Podcasts about Freedom

Have you ever felt the Lord's presence speak directly to you - calling you to step out of your comfort zone for Him?    One night, Cassie Connelly, from our West Cobb community (outside of Atlanta, Georgia), had this personal experience with the Lord as He called her to the world of adoption - a call that had been placed in her heart since she was a little girl. Beautifully illustrated and told, Cassie will take you on a journey to China, where her family adopted her daughter.   Through it all, you will be reminded of the Lord's provision and providential care and encouraged to know that when the Lord calls you to do something, you are never alone. He is with you all the way. ____________________________________________ VERSE OF THE WEEK: "God will meet all your needs according to the riches of his glory in Christ Jesus." Philippians 4:19   CHALLENGE OF THE WEEK: In what ways have you seen the puzzle pieces of your life come together for the glory of God? This Christmas season, sit in remembrance of what the Lord has done in your life over the years and ask Him what He's calling you to do next.    Links:   Thank you to Waverly Advisors for being one of StoryTellers Live's ministry sponsors! Listen to Jessica Prier's story- Ep. 312- Jessica Prier: "Hands Wide Open- A Story of Starting Business"   Listen to a similar story: Eva- Ep. 95: God's Perfect Timing:: An Adoption Story"   Download a phone background of the weekly verse HERE    Give to StoryTellers Live in honor of Cassie and any of our past storytellers!   Become a Patreon Insider to access bonus content~ including a Continue the Conversation with Lindy, Katie, and Robyn. Robyn shares her personal experience of adopting a child.     Shop for our When God Shows Up Bible Study series~ Stories of Hope, Stories of Freedom, Stories of Faith Are you interested in one-on-one coaching with our very own Robyn Kown!?  Click HERE!   Check out all of our live speaking engagement opportunities on our website.   Sign up to receive StoryTellers Live's weekly newsletter for updates and details on our live gatherings.

Steve spent more than two decades building video games, working with a team that felt more like family than coworkers. By all measures, he loved his work. But a heart attack in 2021 changed everything, and it became the moment that pushed him to rethink the one thing he'd always said he wanted someday: an early retirement.In this episode, Steve sits down with James Conole, CFP®, to share how a health scare, a divorce, and years of slowly learning how to budget and invest turned into the freedom he now wakes up to every day. He didn't leave work because he hated his job. He left because he finally understood how valuable his time had become and how much life he still wanted to live.Steve talks about losing 70 pounds, rebuilding his health through trial-and-error fitness routines, and the joy of discovering things he never had energy for during his career: jazz bands, improv lessons, spontaneous travel, and even acting classes. He also opens up about moving back to Arizona just in time to support his mom through a cancer diagnosis, a moment that revealed exactly how meaningful this new freedom is.His story is a reminder that retirement isn't just a math problem. It's a life problem that you can solve by knowing what you value and experimenting until your days feel like your own again. And for Steve, these last two and half years have been better than he imagined.Watch this episode of Retirement Reality — where real retirees share the wake-up calls, reinventions, and surprising joys that define life on the other side of work.Want to be a guest on James' show to help others by sharing your story? Complete this form: https://vwo3759x8i7.typeform.com/to/IwyScIeR-Steve is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

You keep thinking fear is a sign to stop. But fear is the portal. In this episode, I show you why your fear is the exact doorway to the reality you keep begging the universe for, and how your old belief loops, trauma bonds, and energy leaks are the only things blocking it. If you've been stuck in lack, looping in “I can't,” this one's going to crack you open.Get the first month of SSOM free with code FREE1SSOM: manifestingmiracles.thinkific.com/pages/membershipsCHAPTERS:1:45 – The Energy of Fear and Why It's Trying to Help You3:20 – Why Everything in Your Life Is Just a Reflection of Your Belief Loops6:10 – Childhood Lies, Ancestral Trauma, and How You Got Programmed9:00 – Nervous System Regulation and the Frequency of Wealth11:30 – Subconscious Healing + Community Support12:50 – Soul Contract Course + 2026 Energy Reset16:00 – Stop Blocking the Life That's Begging to Find You

The post God ordains and arranges circumstances. appeared first on Key Life.

Bobby and mama c talk about newfound freedoms and what it's been like for the two of them since Bobby's been out these past few weeks. He shares how he broke down and cried for hours when memories of Monica and Corey came up, something he couldn't do in prison. He shares what his 3 favorite meals were, and experiencing grocery shopping again. Even though Bobby is out of prison the goal is still the same, sharing his life with the hope of helping others and finding beauty when things may seem dark. You can read more about Bobby and prison reform on our website:   notesfromthepen.comYouTube: https://www.youtube.com/@notesfromthepen9604Instagram: https://www.instagram.com/p/CJYuOh4pKxa/?igshid=y8lo9kbdifvq   TikTok: https://www.tiktok.com/@bobbyb.l.a.c.k1X: https://twitter.com/NotesFromThePenBluesky: https://bsky.app/profile/notesfromthepen.bsky.socialShout-out to JD and Ashely Bell for all their behind the scenes support.Intro and Outro music created just for Notes From The Pen by PJ Trofibio and Jeff Quintero and used with permission.

Freedom begins when you stop trying to appeal to everyone and start showing up for the people who are actually meant for you. Show Notes In this episode, Baylor shares a hilarious long-running Crocs joke that leads to a powerful truth about identity, audience, and purpose. Using everything from candy corn to corporate feedback surveys, he explains why trying to be universally liked is one of the fastest ways to dilute your impact. Baylor breaks down why it's not your job to convert critics or win over everyone in the room. Your job is to serve the people who resonate with who you are and how you show up. Just like Crocs doesn't worry about the people who hate their shoes, you shouldn't worry about the people who simply aren't your market. He also dives into the importance of knowing when to speak and when to stay silent. Not every topic deserves your opinion, and not every conversation leads to solutions. Sometimes the most powerful move is recognizing that your words either build or add to the noise. This episode reminds you to stay grounded in your lane, serve your real audience, and let go of the pressure to be everything to everyone. What You'll Learn • Why your job is not to be universally liked • How trying to appeal to everyone puts you in unnecessary competition • Why doubling down on your lane actually attracts the right people • How to decide whether your opinion is adding value or adding noise • The freedom that comes from accepting that not everyone will get you Featured Quote "You're not going to be everybody's cup of tea, because not everybody likes tea."

This week on The Broski Report, Fearless Leader Brittany Broski recaps Wuthering Heights by Emily Brontë, discusses Studio Ghibli, and recounts seeing Robert Downey Jr.  Watch The Broski Report AD FREE: https://patreon.com/broskireport  The OFFICIAL Songs of The Week Playlist: https://open.spotify.com/playlist/3ULrcEqO2JafGZPeonyuje?si=061c5c0dd4664f01 

Have you ever felt like your reactions are out of your control? Today, Rosie and Tamara explore the roots of self-judgment and shame with Coaches Cole and Hayley, Alcohol Freedom Guides for The Path. Rosie is working to reframe her reactive responses to stress and anxiety, which she realizes are tied to a childhood feeling of being "shut down." Tamara uncovers her core belief that she isn't "good enough," a pattern reinforced by past relationships and growing up with a parent who struggled with alcohol use. These conversations show how identifying deeply rooted beliefs can be the first step in breaking the cycle of self-criticism and building a new way forward. Rosie's Session: Understanding her "knee-jerk reactions" to stress & anxiety Linking current reactivity to past experiences of feeling shut down or unheard Reframing shame & self-judgmentUsing curiosity and awareness with emotional responses Creating a "pause" between an external trigger & her reaction Practicing new skills for changing long-standing patterns Seeing her anger as a "guard dog" trying to protect her Tamara's Session: Facing fear of rejection & feeling "not good enough" Naming the origin of her core beliefs in childhood experiences of feeling a lack of attention & love Seeing how her beliefs were reinforced by a parent's alcohol use & pressure to "over-excel" Noticing how anxiety & panic led her to drink to cope Finding other tools for self-regulation like journaling & yoga Embracing glimmers of joy & self-worth Listing positive qualities to build self-validation & quiet her inner critic Using self-reflection as a catalyst for growth Cole Harvey is a certified Naked Mind Senior Coach. For years, he felt lost and used alcohol as a way to cope, until he decided to go alcohol-free and focus on finding his purpose. Through curiosity, self-compassion, and adventure, he transformed his life. As a habit change and mindset coach, Cole helps young men understand themselves, build better habits, and find meaning. More on Cole: https://thisnakedmind.com/coach/cole-harvey/ Hayley Scherders is a certified TNM Coach with training from the Canadian Addiction and Mental Health Association. Drawing from personal experiences, Hayley understands how tough change can be and provides a safe, compassionate, and judgment-free space where her clients can feel supported. She believes that with the right mindset, anyone can change their life at any time. More on Hayley: https://thisnakedmind.com/coach/hayley-scherders/ Episode links: nakedmindpath.com Related Episodes: Why Does It Take So Long To Feel Confident After Quitting Alcohol? - Alcohol Freedom Coaching - E833 - https://thisnakedmind.com/why-does-it-take-so-long-to-feel-confident-after-quitting-alcohol/ How do you get rid of the punishing voice inside your head? - Reader Question - E634 - https://thisnakedmind.com/ep-634-readers-question-how-do-you-get-rid-of-the-punishing-voice-inside-your-head/ You're Enough Without the Drink - Alcohol Freedom Coaching - E815 - https://thisnakedmind.com/how-to-set-healthy-boundaries-with-alcohol-e815/ Ready to take the next step on your journey?  Visit https://learn.thisnakedmind.com/podcast-resources for free resources, programs, & more. Quince: Find gifts so good you'll want to keep them with Quince. Go to ⁠⁠Quince.com/naked⁠⁠ for free shipping on your order and 365-day returns  Hungryroot: Get 40% off your first box + a free item for life at ⁠⁠Hungryroot.com/nakedmind⁠⁠ with code nakedmind Shopify: Sign up for your one-dollar-per-month trial and start selling today at ⁠⁠Shopify.com/mind⁠⁠  Aura Frame: Get $35 off Aura's Carver Mat frame at ⁠⁠AuraFrames.com⁠⁠ with promo code NAKEDMIND Masterclass: Get 15% off any annual membership at ⁠⁠MasterClass.com/NAKEDMIND⁠

Some of you may have gotten the wrong audio when we posted this episode on 11/21/26. SORRY!Today we're thrilled to feature the recent interview featuring Autumn from ⁠Next Economy Now⁠ with Ryan Honeyman. In this episode, she shares her journey of moving from cooperative leadership at AORTA into a new phase of life focused on music, writing, and martial arts, as well as her forthcoming book on fugitivity. At the heart of her work is the question: how do we practice freedom in an unfree world? Together, Autumn and Ryan dive into what has shifted since 2020—exploring the backlash to racial justice movements, the difference between symbolic versus relational change, and why so much of today's organizing can feel performative when not grounded in real relationship. Autumn emphasizes the need to move beyond fear, resentment, or judgment and instead organize from love, courage, and grief—energies that replenish rather than deplete. The conversation touches on coalition building across difference, how to choose when to hold firm and when to meet people where they are, and what it means to reach for governing power while staying rooted in liberatory practice.Toward the end, the two reflect on martial arts as a surprising but powerful practice for those committed to nonviolence. Autumn shares how Aikido has reshaped her relationship to conflict and power, while Ryan reflects on his own entry into boxing as a healthy channel for rage and resilience. Though a smaller part of the discussion, it underscores a central theme: the practices that help us stay grounded, embodied, and awake are essential to sustaining movements and our lives within them.Links Mentioned in Today's Episode:Autumn Brown:⁠ https://www.iambrown.org/⁠ Autumn Brown on LinkedIn:⁠ https://www.linkedin.com/in/autumn-brown-0bab514/⁠ Autumn Brown on Instagram:⁠ https://www.instagram.com/autumnmeghanbrown/⁠ How to Survive the End of the World:⁠ https://endoftheworldshow.org/⁠ Stay Connected To Next Economy News with their Newsletter!                                                                                       Interested in receiving the latest news from the Next Economy? Sign up for our newsletter and receive monthly tips, advice, and resources from our team and partners:⁠ https://lifteconomy.com/newsletter⁠

They Lied to You – Dr. Peter McCullough Reveals The Truth About COVID Vaccines Watch the full interview for free at https://freedomplatform.tv/they-lied-... When renowned cardiologist, epidemiologist and author Dr. Peter McCullough last joined me in August 2023, the world was already at a turning point. Now, just two years later, everything has changed: Donald Trump is back in the White House RFK Jr. is the new U.S. Health Secretary New voices have joined the Advisory Committee on Immunization Practices, including Dr. Robert Malone and Dr. Martin Kulldorff The U.S. government has moved to pull funding from mRNA vaccine development On Tuesday 12 August at 5pm UK time / noon EST, Dr. McCullough returns to the London Real Digital Freedom Platform for a no-holds-barred conversation you won't see on mainstream media. Watch this clip at- https://youtu.be/FpO7nEJjch4?si=6kQPUcY6Jaqpce1I London Real 2.26M subscribers 7,061 views Premiered Dec 1, 2025 #LondonRealTV #LondonReal #BrianRose

Did anyone ask you to sign a contract that gives your government permission to pay for immoral things you never supported like stockpiling nuclear weapons?Mark Gober explores the many problems with the numerous abstract social contracts you never agreed to and how open-eyed compassion and discernment can light a path to more informed, people-centric decisions this week on Spirit Gym.Find out more about Mark on his website and on social media via Facebook, Instagram, Twitter/X, LinkedIn, YouTube and Telegram.Timestamps3:13 Before 2020, Mark had less than zero interest in politics.10:23 Liberty and the non-aggression principle.13:41 Authority figures.26:51 A rite of passage at an unconscious level.30:46 “I think you're probably right about this, but my life is good the way it is…”35:18 The connection between liberty and free will.40:29 Applying near-death experiences to the Golden Rule.54:33 Statism.1:07:58 A very different approach to medicine.1:11:23 Are we living in a Leviathan state?1:24:29 A need for compassion and discernment.1:38:02 The Austrian school of economics theory.1:50:35 A metaphysical political philosophy.2:08:33 “I can't control the outcome of the world but what I can control is my own behavior.”2:15:07 The earth is an elementary school for young souls.2:23:19 The Riddler.ResourcesAn End to Upside Down Liberty by Mark GoberPaul's Spirit Gym conversations with Dr. Christiane Northrup and Anne HelferFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesKorrect SPIRITGYMPique LifeCHEK Institute We may earn commissions from qualifying purchases using affiliate links.

$20,000 bitcoin by June 2026? Traders are picking up bitcoin put options at $20,000, hoping for potential moonshot payoffs if BTC swings wild. The deep out-of-the-money put options are lighting up for June 2026 expiries on Deribit, with the $20,000 strike put becoming the second most popular option. Will you buy this lottery ticket? CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠midnight.network/break-free⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Need liquidity without selling your crypto? Take out a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Figure Crypto-Backed Loan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms and no prepayment penalties. They have the lowest rates in the industry at 8.91%, allowing you to access instant cash or buy more Bitcoin without triggering a tax event. Unlock your crypto's potential today at Figure! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://figuremarkets.co/coindesk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

Struggling with controlling your thoughts? The battle for the Christian life is the battle for the Christian mind. In this episode, we dive deep into Romans 12:1-2 and explore seven biblical principles for renewing your mind and experiencing true transformation.This episode is brought to you by our ministry partner Accountable2You. To join thousands living in Freedom with nothing to hide visit https://accountable2you.com/dialin. **Use our unique code: DIALIN to get 25% off your first year of an Accountable2You Personal or Family Plan**Key Topics:- Biblical mind renewal- Overcoming sinful thoughts- Neuroplasticity and Scripture- Breaking free from worldly conformity- Spirit-filled living- Christian sanctification- Fighting temptation- The explosive power of greater affectionsAs a man thinks within himself, so he is (Proverbs 23:7). Learn how to practically renew your mind through Scripture meditation, rejecting lies, and walking in the power of the Holy Spirit.Key Scriptures: Romans 12:1-2, Philippians 4:8, Colossians 3:2, Galatians 5:16, Ephesians 4:23

Doug Billings dissects Marjorie Taylor Greene's embarrassing 60 Minutes pivot—ditching MAGA for drama—proving her reputation in ruins while the GOP stands united with Trump. Reassurance: MAGA IS America First, backed by most Americans! Tune in for the loyalty wake-up call. Please subscribe & set notifications for this channel!Also, prayerfully consider contributing at: www.DougBillings.usSupport the show

Read Online“Come to me, all you who labor and are burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am meek and humble of heart; and you will find rest for yourselves. For my yoke is easy, and my burden light.” Matthew 11:28–30Each of us needs to hear these gentle and inviting words more than we realize. On the surface, many people project an image of happiness, as if they have it all together. Social media profiles often present the happy, successful, fun, and impressive aspects of a person's life. The good news is that there is much to rejoice in, and many people do have blessings to share. However, there are also times when Jesus' words above are needed more than ever.What burdens you? What weighs you down the most? Sometimes, we are not even self-aware enough to identify the root cause of our burdens. We might point to external factors beyond our control as the source of our discontentment. The truth, however, is that the deepest burdens we carry are those caused by our own sin. Those who love God with their whole heart, mind, soul, and strength, and love their neighbor with the Heart of Christ, cannot be burdened or overwhelmed by anything in this life when they are free from sin. Even the worst tragedies or the heaviest crosses become opportunities for a deeper encounter with God, resulting in profound peace and joy, even in the midst of suffering.“Come to me, all you who labor and are burdened, and I will give you rest.” This invitation from Jesus is not just a call to find relief from life's challenges; it's an invitation to be unburdened by sin, so that we can carry Jesus' Cross of pure sacrificial love. Freedom from sin leads to divine love, which is always sacrificial and self-giving. Sacrificial love, in turn, is more fulfilling, light, and joyful than anything else in life. When we learn to love God rather than sin, we begin to love with His Heart, selflessly laying down our lives for others in imitation of Jesus. This act of love then becomes our greatest joy. Reflect today on this deeply personal invitation spoken from Jesus' Heart to yours. Hear Him say it to you. Look into your own life, become fully self-aware in Christ, identify the sins that burden you the most, entrust them to our Lord, and let Him free you so that you can love Him and others with His Heart. This is the yoke of Christ, and carrying it will become your greatest joy in life. My inviting Lord, You call me to look into my soul to discover the sin that burdens me and keeps me from the freedom I deeply desire. Please open my eyes, dear Lord, and lift the burdens caused by my sins so that I can carry Your Cross of selfless and sacrificial love, finding perfect joy and contentment in doing so. Jesus, I trust in You. Image via Adobe StockSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

Trump's antics :: "This is war" - Trump about Venezuela :: MK Ultra is real, the gov looked into woo woo subjects :: People who are trying to ring the alarm that AI is dangerous :: Legalizing drugs would end fent problems faster and better than war would :: Gypsy Rose Blanchard and psychopathy :: The psychopaths want us to not care :: Movies actually mind control :: The US knew the Japanese were going to bomb Pearl Harbor :: Caller asks about convo with Bonnie from Porcfest and Tether :: EU fines Elon Musk's X $140,000,000 :: Turd's problem with Indians :: Is there a NAP argument for cop unalivings? :: Candace Owens saga and cult families in Delaware :: Trannies enslaved to big pharma :: 2025-12-07 Hosts: Bonnie, Angelo and Riley O'Bill

In today's episode, Larry and Cody expand on last week's discussion about trust and move into the next critical phase of every professional conversation: certainty. Once a client trusts you, they still need clarity around four specific dimensions before they feel ready to commit their time, money, and emotional energy to a meaningful process. This episode breaks down each of those certainties—what they mean, why they matter, and how to address them directly instead of hoping they resolve themselves.  They start with certainty in themselves, exploring why clients often doubt their ability to follow through and why coaches must help them uncover their past successes, failures, support systems, and obstacles. From there, they move into certainty in the plan, walking listeners through the four-phase Active Life method—Assess, Develop, Ascend, Freedom—and how to tailor detail or simplicity depending on personality type. This proactive clarity helps clients visualize the journey and understand what long-term success will require.  Finally, the conversation moves to certainty in support and certainty in the decision. Larry and Cody unpack how clients evaluate the professional and the environment: Do they trust the team? Do they understand the support structure? Is the timing right? They highlight how the best coaches stay calm during this phase by being agnostic to the outcome, genuinely committed to helping people find the right fit—not just making a sale. This episode gives professionals a complete blueprint for guiding clients through confident, aligned decisions. 

If people were given a resource that laid out the chronology of immunization, would they still vaccinate? Billions of people, all across the world, have either received a shot or been recommended to get one. And every day, novel injections are being developed, tested and rolled out to the public. While many are refused proper informed consent, others remain ignorant to the dangers of these products because of censorship. That is why Shaz Khan has written a tool, referencing over fifteen hundred years worth of information, pertaining to the timeline of vaccination. This essential resource is made for everyone — whether a parent or practitioner, student or scientist, representative or researcher. Find out more about its release with Shaz Khan and Paul Thomas on “Pediatric Perspectives” this week!

Travis and producer Eric break down how “lifestyle creep” quietly traps people in careers and businesses they don't even like. Using Travis's own journey—from upgrading houses and stuffing the biggest U‑Haul available, to downsizing into an 800 sq ft apartment with his brother‑in‑law so he could rebuild—this episode shows how controlling lifestyle and expenses can buy the freedom to switch careers, start a business, and actually enjoy the process. On this episode we talk about: How innocently “just upgrading a little” turns into bigger houses, pools, and piles of stuff that quietly dictate your career choices The story of walking away from a big Vegas house, throwing away and selling most possessions, and moving into a tiny apartment to make room for a new business chapter The real cost of “nice things” like backyard pools—and how ongoing utilities, maintenance, and repairs add up far beyond the install price Why most people use money from work they dislike to finance a lifestyle they don't really care about, locking themselves into golden handcuffs Practical ways to improve your lifestyle without killing your margin for growth, including setting income/expense targets and channeling surplus into skills, networks, and investments Top 3 Takeaways If you don't consciously tell your money where to go, lifestyle creep will decide for you—there is always a nicer car, neighborhood, or upgrade waiting to absorb the raise you just got. Freedom comes from the gap between what you earn and what you spend; increasing income only helps if you keep your lifestyle intentionally below your means and invest the difference. You can have most of what you want—just not all of it right now; delaying some gratification to build skills, relationships, and assets can compress your timeline to real wealth by decades. Notable Quotes "If you don't give your money a job, it will start doing whatever it wants—usually in the form of upgrades you didn't actually need." "Most people are doing work they don't like to pay for a lifestyle that doesn't really matter to them, and that trade keeps them stuck." "Your attitude matters more than your circumstances; plenty of people with far less than you are far happier, because they're not trying to impress anyone." ✖️✖️✖️✖️

The post If you think of a Bible verse, it might be the Holy Spirit. appeared first on Key Life.

On this episode of Compared to Who?, Heather Creekmore sits down for a candid conversation with Nicole Warren Renard, also known as Nicole the Nomad. Nicole’s journey has taken her through pageants, the Miss America stage, social media influence, and even to competing on Next Level Chef with Gordon Ramsay. But beneath the highlight reel, Nicole opens up about the ever-present challenge of comparison—whether it's sizing herself up against others, herself from different seasons of life, or the high-pressure environments of televised competitions and motherhood. What’s Inside: Facing Comparison in High-Pressure Environments: Nicole reflects on feeling like the "least experienced, least qualified" contestant on Next Level Chef, and how self-doubt and comparison can trip us up—even in the most exciting opportunities. Identity and Confidence: Discover how grounding her worth in Christ empowered Nicole to compete in both pageants and cooking shows without letting failure or criticism define her. Comparison in Motherhood: Nicole shares honestly about the struggles of comparing herself to other moms on social media, and even to her pre-mom self. She offers practical ways to keep your heart and mind anchored in truth during big life transitions. Practical Tips for Freedom from Comparison: Breath prayers and staying in constant conversation with God Practicing gratitude to shift focus away from “not enough” Setting healthy boundaries with social media Keeping an eternal perspective during mundane or behind-the-scenes seasons Life Skills and Pageant Myths: Nicole debunks stereotypes about the pageant world, explains how it developed her confidence and skills, and how she focused on the positive outcomes rather than just winning. Holistic Health & Rhythms: Nicole shares the value of consistency and structure in daily routines for mind, body, and soul health. Faith in the Everyday: Learn how Nicole incorporates prayer and scripture into her daily life, even as a busy new mom, modeling an abiding relationship with God for her daughter. Favorite Quotes: “At the end of the day, if all of that was stripped away, nothing I do or don't do changes the fact that I'm a human created with purpose and that I have value that is given to me through Christ.” “I'm quick to give up on myself and say, well, I don’t know what else it could be… And I compare myself to that.” We Talk About: The mental game of competition and why comparison can knock out even the most talented contestants How gratitude can’t coexist with complaining, and practical ways to cultivate a grateful heart Why embracing every season—including the “unseen” work of motherhood—is building an eternal legacy Sponsored by:WeShare Christian Medical Health Sharing — health care designed with your peace of mind. Get a free, no-obligation quote and waive the $149 application fee by going to: www.weshare.org/heather Connect:Find Nicole on Instagram, TikTok, YouTube, and more as Nicole the Nomad. Get recipes, travel guides, and more at Nicole the Nomad’s website. Next Steps: Sign up for Compared to Who?'s 40 Day Journey or grab the 40 Day Body Image Workbook on Amazon. Leave a 5-star review and share this episode if it encouraged you! Remember:You can stop comparing—and start living! Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

In this reflective and brutally practical episode, Eric reveals the seven lessons that turned his messy, uncertain 20s into the foundation for multiple million-dollar businesses. From mastering high-value skills to buying back his time, building quietly, learning real money math, and valuing relationships, Eric walks through the decisions, mentors, and mindset shifts that created his construction, real estate, and digital-product success. He shares vulnerable stories—like missing his aunt's final moments due to work—that reshaped his priorities and led him to build a life centered on freedom, not just income. This episode is a blueprint for anyone who wants to avoid wasted years, build wealth intentionally, and design a life that actually feels good. Key Takeaways Skills outlive job titles—sales, persuasion, and leverage are the $10M skill sets that pay forever. Buy back your time early: outsource, document, delegate, and focus on high-value work. Freedom is the real finish line—build income that supports your life, not a life that serves your income. Learn more: https://federalhelpcenter.com/ https://govcongiants.org/  Join the bootcamp: https://govcongiants.org/bootcamp  Watch the full Youtube Episode here: https://youtu.be/12MN6KEQmAg 

If you feel weighed down by emotional pain, you're not alone. So much of your struggle may trace back to just three basic beliefs you might not even realize you carry. You can actually make real changes when you understand what's behind your pain and learn what to do about it. In this episode, you'll hear from Aaron Abke, author of The Three Beliefs of Ego: A Sufferer's Guide to Freedom. Aaron doesn't ask you to fight your ego but to see it in a new way and spot these patterns in yourself. Aaron Abke is a spiritual teacher and thought leader who delivers a fresh new perspective on self-realization, his online academy for consciousness expansion, 4D University, has more than 10,000 members. Multiple Gaia TV series, chart-topping spirituality podcasts, and SiriusXM radio programs have showcased Abke's passion and purpose, which is to awaken this planet to the awareness of our oneness. Aaron's approach to healing is straightforward and filled with hope. He believes that facing your pain teaches you more than running away from it ever could. In this episode he shares tools and a simple mindset shift, to help you let go of the old stories that keep you stuck. Tune in to learn how to step out of ego-driven suffering and start living with more freedom and clarity.

In this special episode, Shannon Waller sits down with Program Coach Chad Johnson to explore his entrepreneurial journey, what he's learned along the way, and how he helps Strategic Coach® members grow bigger, simpler, and more rewarding businesses. Here's some of what you'll learn in this episode:Why many of Chad's early entrepreneurial ventures were short-lived.The turning point that made him get serious about building a real business.How Chad defines the entrepreneurial mindset and lives it daily.What sets Strategic Coach Program Coaches apart from traditional business coaches. Show Notes: There's value around you all the time; often, it just takes a moment of attention to see it. You can't scale a business on ambition and positive attitude alone. It's natural for entrepreneurs to want to jump to the next project, but that impulse needs to be managed. The right life partner can act as an accelerant for everything you want in life. In great organizations, everyone makes everyone else better. The work you do as an entrepreneur is closely tied to the growth you do at home. For entrepreneurs, business is not just what you do—it's part of who you are. Strategic Coach coaches are also members, so they live the tools they teach. Any new concept has to work for the coach first before it's shared with members. Freedom is often the deepest motivation for entrepreneurs. It can take time for your real-world experience to catch up with your mindset and goals. Long-term success comes from committing to a few important things, not chasing every new idea. The right coach relationship helps you turn everyday experiences into breakthroughs. Resources: How to Win a Heart by Chad JohnsonUnique Ability®The Gap And The Gain by Dan Sullivan with Dr. Benjamin HardyThe Impact Filter®10x Is Easier Than 2x by Dan Sullivan with Dr. Benjamin HardyThe 4 Freedoms That Motivate Successful EntrepreneursHow To Foster A Longevity Mindset & Reap The BenefitsThe Entrepreneur's Guide To Time ManagementThe Bigger Future™ CountdownYour Life As A Strategy Circle by Dan SullivanThe Positive Focus®The Team Success PodcastThe Only Leaders Worth* Following by Tim SpikerG5 SummitThe Big Ski Family

12/07/25 Fr Augustine Joseph - 2nd Sunday of Advent (English) by St. Peter's Chaldean Catholic Diocese

Kaninka Vasudava is a speaker, Corporate Leader-Turned Energy Coach, Radiant Empowerment Coach, and Akashic Records Reader who helps people step into a new level of clarity, self-trust, and authentic leadership.   Kaninka explains how her journey began after the loss of her daughter. Through the depths of grief, anxiety, and a spiritual awakening led her to unexpected places, including exploring past lives, ancestral patterns, and soul contracts, and gaining a deeper understanding of how true healing really works. She describes how energy healing and the Akashic Records didn't just help her move forward—they opened up a whole new way of living. Today, my deepest joy is guiding spiritual entrepreneurs, leaders, and changemakers who are craving more: more expansion, more clarity, more radiance, more soul-led purpose, and more everyday joy. Kaninka shares her poignant story and message with heartfelt sincerity while weaving together the spiritual and energetic world with ancestral patterns and through the lens of a scientific education and background. Fascinating conversation with incredible insights into energy, healing, and spirituality, as well as hope for a better future, through the healing power of wisdom, expansion, and freedom!  Connect with Kanika: https://artoflifecenter.com/call https://www.youtube.com/@kanikaenergycoach https://www.instagram.com/kanikaenergycoach/ https://www.linkedin.com/in/kanikaenergycoach/ https://www.tiktok.com/@kanikaenergycoach Want to be a guest on TheFemiNinjaProject? Send Cheryl Ilov a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1620842117560x116520069523704300

Get ready to elevate your passive income strategy! Join us for the Beyond the Bank: Land Investing, Debt Funds, and IBC for Smart Passive Income Triple Play Masterclass on Dec 10, 2025 (1:00–4:00 PM CT). Learn from industry experts Anthony Faso & Cameron Christiansen, Justin Sliva, and Whitney Elkins-Hutten as they reveal how to leverage Land Investing, Debt Funds, and Infinite Banking for a winning investment strategy.

What happens, how do you react when you believe the thought, “I know what is and isn't possible in life"? What kind of life do you find yourself reading with this thought? What kind of Universe is it? Friendly or malicious? In this group meditation, participants question this belief among others and discover some profound things – including an ever-present fear of a ‘cosmic bitch slap.' If you can relate, this week's episode of Love Is The Power is for you.

How do you actually build a sustainable growth and lasting sales strategy in freight? Mike Mikulik from SPI Logistics is back and live to share how they're driving real year-over-year growth by doubling down on existing customers, tightening up their cold-calling strategy, and investing heavily in tech that actually moves the needle! We discuss how respecting people's time builds long-term trust, why agent recruitment needs to be transparent, fast, and rooted in support, and how SPI's push into international air and ocean freight is helping agents deepen their book, navigate supply chain volatility, and stay competitive in a noisy market!   About Mike Mikulik Mike Mikulik is the Senior Vice President and Chief Revenue Officer at SPI Logistics. He is a very personable and enthusiastic person who is a collaborator and thinks out of the box. Mike has a unique background in all sides of the transportation industry from trucking to international freight forwarding and special projects. With over 25 years' experience he credits his School of Hard Knocks for his success. You will find Mike easily engaging in conversation and his willingness to help and draw out the best in people. His positiveness is contagious and willingness to support his team grow personally and professionally. Mike is a collaborator and think out of the box guy. He has had tremendous success in strategically enhancing the customer experience which in turn has led to new opportunities and revenue growth. Mike lives and resides in Vancouver Canada where he has lived all his life.  

Tuesday, December 9, 2025 Kerby Anderson hosts our busy show! His first guest is long time friend Paul Barreca. Paul joins Kerby in the studio. They'll discuss Israel, Zionism, and the current politics. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS with your opinions or comments. Looking for just the Highlights? Follow […]

Tuesday, December 9, 2025 In the second hour, Kerby spends time sharing the day's headlines from a biblical perspective. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS with your opinions or comments. Looking for just the Highlights? Follow us on Spotify at Point of View Highlights and get weekly highlights from some of […]

Why choosing less leads to more clarity, wellness, and connection. Act One: Less Is Liberation by Christine Platt Act Two: Work Won't Love You Back by Sarah Jaffe Learn more about your ad choices. Visit megaphone.fm/adchoices

The school choice movement is often seen as a modern, partisan undermining of a cherished institution: public education. Fighting for the Freedom to Learn shows that the struggle for educational freedom is not new but an enduring part of US history. It is rooted in traditions of parents and communities shaping how children learn and perpetual struggles for people without political power to get the education they believe they need.Join us to discuss this important new book! Hosted on Acast. See acast.com/privacy for more information.

 Can the promise of economic progress ever justify conquest, coercion, and control over other people's lives? Economist William Easterly joins EconTalk's Russ Roberts to argue no--and to rethink what "development" really means in theory, in history, and in our politics today. Drawing on his new book, Violent Saviors: The West's Conquest of the Rest, Easterly explores how colonial powers and later regimes like the Soviet Union claimed to increase people's material well-being while stripping them of freedom, dignity, and any say in their own fate. Russ and Easterly dig into the idea of agency--the ability of people to choose for themselves--through the lens of Adam Smith, John Stuart Mill, Kant, Frederick Douglass, and modern debates over foreign aid, autocrats, and technocratic "solutions" imposed from afar.

In today's episode, Ted interviews Chris Naugle, former pro snowboarder turned wealth strategist and America's #1 money mentor. Chris has helped thousands of people rethink the way they save, invest, and build long-term security through simple, proven financial principles.  Together, Ted and Chris break down the traps most people fall into: relying on traditional banks, following outdated financial advice, letting emotions drive decisions, and misunderstanding how wealth is really created. Chris also introduces the "infinite banking" concept, explaining how high performers can grow their money, protect themselves from downturns, and create generational wealth—without taking unnecessary risks.  If you're ready to take control of your financial future and make smarter decisions with your hard-earned money, this conversation will give you the clarity and confidence you've been missing. Listen now!  Today's Guest  Chris Naugle  Chris Naugle is a wealth strategist, author, and the nation's top expert in privatized banking and infinite banking strategies. A former professional snowboarder turned entrepreneur, he has built multiple businesses, managed millions in assets, and helped thousands rethink how they save, invest, and create long-term financial security by using simple, effective wealth-building principles.  Connect to Chris Naugle:  Website: ChrisNaugle.com   YouTube: Chris Naugle  X: Chris Naugle  Facebook: Chris Naugle    You'll learn:  Why most people follow broken financial advice without realizing it  How traditional banks profit while consumers stay stuck  Why liquidity, control, and safety matter more than high returns  How to protect your wealth from market volatility  Practical steps to start taking control of your financial future today   Chapters:  (00:00) Introduction  (02:26) Meet Chris Noggle: From Snowboarder to Money Mentor  (02:58) The Connection Between Financial and Physical Health  (04:43) Chris Noggle's Journey to Financial Freedom  (16:28) The Infinite Banking Concept Explained  (29:07) Understanding Inflation and Whole Life Insurance  (30:44) The Drawbacks of Whole Life Policies  (31:54) The Importance of Financial Discipline  (32:36) The Role of Technology in Financial Management  (37:02) The Psychology of Money and Personal Stories  (41:31) Chris's Personal Health Journey  (43:50) The Power of Giving and Mindset  (47:28) Building Healthy Habits and Routines  (52:31) Conclusion and Final Thoughts 

The $100 Silver Window Is Almost Gone — And This Time It Won't Reopen Watch this video at- https://youtu.be/bXIi8jBSW6Y?si=XOflk-EgU8fzw665 Money Rewind 29 subscribers 788 views Dec 4, 2025 This documentary investigates a recurring four-stage pattern in commodity markets, analyzing its potential application to the contemporary silver market. The central thesis posits that assets historically used as money often undergo a cycle of Establishment, Manipulation, Squeeze, and eventual Break of the paper derivative market. This analysis is contextualized through an examination of current market phenomena, including significant physical silver withdrawals from COMEX vaults, the suspension of silver sales by major international banks, and the presence of market backwardation—a key indicator of acute physical demand. The narrative draws parallels to major historical precedents, including the 1980 silver crisis precipitated by the Hunt brothers, the 1971 "Nixon Shock" which severed the U.S. dollar's final link to gold, and the 2001 palladium supply shock. By dissecting silver's dual role as both a historic monetary asset and an indispensable industrial commodity facing a structural supply deficit, the film argues that the modern silver market is exhibiting classic signs of the "Squeeze" phase, signaling a potential decoupling between the price of physical metal and its paper equivalents. KEY CONCEPTS The Four-Stage Market Cycle (Establishment, Manipulation, Squeeze, Break) Physical vs. Paper Assets (Commodity vs. Derivative) Market Backwardation and Contango The Hunt Brothers & Silver Thursday (1980) The Nixon Shock & The Gold Standard (1971) Silver's Dual Demand (Monetary & Industrial) Commodity Futures Markets (COMEX) Counterparty Risk in Exchange-Traded Funds (ETFs) Structural Supply & Demand Deficits RESEARCH & REFERENCES GOVERNMENT DOCUMENTS The Coinage Act of 1965: Public Law 89-81, which eliminated silver from the United States' circulating dime and quarter-dollar coins and reduced the silver content of the half-dollar. A Study of the Silver Futures Market: A 1982 report by the Division of Economics and Education, Commodity Futures Trading Commission (CFTC), detailing the events surrounding the 1979-1980 silver market volatility. Stock Exchange Practices: Report of the Committee on Banking and Currency (The Pecora Report), 1934: A landmark investigation into the causes of the Wall Street Crash of 1929, providing historical context on market manipulation. ACADEMIC & HISTORICAL LITERATURE A Monetary History of the United States, 1867-1960 by Milton Friedman and Anna Schwartz: A foundational text on the history of U.S. monetary policy, providing critical background for understanding the abandonment of commodity-backed currency. The New Case for Gold by James Rickards: Explores the historical role of precious metals as monetary assets and the inherent instabilities of fiat currency systems. INSTITUTIONAL REPORTS World Silver Survey: An annual report published by The Silver Institute, providing comprehensive global data on silver supply, demand, mine production, and investment trends. --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. -----------------------------------------------------------------------------------------   

Do you feel like what you have to offer isn't enough? If you wish you had more to do more in your life, then this episode will encourage you to shift your perspective and focus on stewarding the small things well. In this episode, I discuss the power of using what you have to cultivate seeds right where you are. This message will encourage you to embrace small beginnings and make room for God to multiply every seed you faithfully sow. Highlights from Today's Episode Participating in God's plan Building capacity through consistency Implementing rhythms and routines Related Resources Check out this podcast episode to hear more about The Importance of Small Great Things. Listen to this podcast episode to learn How to Build Habits That Last. Read more about “doing what you can with what you have” in chapter 14 of my book She's Still There. CLICK HERE FOR FULL SHOW NOTES The post #558 – When God Multiplies the Little Things first appeared on Chrystal Evans Hurst.

What if the key to better metabolism, faster fat loss, deeper detox, and emotional healing wasn't a pill or protocol… but light? In this in-depth episode of the Metabolic Freedom Podcast, Ben Azadi sits down with Brian Richards, founder of SaunaSpace, for a powerful exploration of near-infrared light, red light therapy, and heat therapy as metabolic medicine. Brian breaks down the science behind how near-infrared light and sauna use can: Mobilize stubborn visceral fat Boost autophagy and mitochondrial function Increase melatonin and glutathione naturally Reduce inflammation at the cellular level Support testosterone and hormone balance Improve cardiovascular health Remove toxins, endocrine disruptors, heavy metals, and even microplastics Ben and Brian also explore the emotional and spiritual side of sauna use, from trauma release to clarity and mental resilience. You'll hear real testimonials, personal stories, and a special, limited-time SaunaSpace discount available ONLY to Metabolic Freedom listeners. If you've been curious about sauna therapy, peptides, longevity, detoxification, or natural hormone support, this episode is packed with insights you can apply today.

Dapper Labs Co-Founder & CEO, Roham Gharegozlou discusses the expansion of the Flow ecosystem into DeFi and how programmable assets and Agentic AI will power the next generation of tokenized creator economies. Dapper Labs Co-Founder & CEO Roham Gharegozlou joins Gen C to discuss the evolution of digital collectibles and the next major wave of crypto adoption. He shares the strategy behind building the Flow blockchain, from NBA Top Shot's success to onboarding millions of consumers, emphasizing economic alignment through their pivot to DeFi with Peak Money. He sees the future powered by stablecoins and Agentic AI, where every creator manages their own tokenized economy on platforms like Disney and TikTok. - Links mentioned from the podcast:  Roham's Twitter Dapper Labs Website -Follow us on Twitter: Sam Ewen, CoinDesk -From our sponsors: Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit midnight.network/break-free Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms and no prepayment penalties. They have the lowest rates in the industry at 8.91%, allowing you to access instant cash or buy more Bitcoin without triggering a tax event.Unlock your crypto's potential today at Figure! https://figuremarkets.co/coindesk - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

Will the Fed cut rates? Bitcoin traded above $91,000 as markets are anticipating the Federal Reserve to lower the rates in December. Bettors on Polymarket now see a 94% chance of a 25bps cut, and the CME FedWatch tool places the odds at 87.4%. CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠midnight.network/break-free⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Need liquidity without selling your crypto? Take out a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Figure Crypto-Backed Loan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms and no prepayment penalties. They have the lowest rates in the industry at 8.91%, allowing you to access instant cash or buy more Bitcoin without triggering a tax event. Unlock your crypto's potential today at Figure! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://figuremarkets.co/coindesk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

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  

Mark Rampolla is the founder of ZICO Coconut Water and the Mark Rampolla is the founder of ZICO Coconut Water and author of An Entrepreneur's Guide to Freedom. After starting ZICO and growing it into a global brand acquired by Coca-Cola, he went on to co-found PowerPlant Partners, an investment firm backing mission-driven companies. Today, he mentors entrepreneurs and shares his insights on building businesses that create both success and personal freedom. Connect with Mark Rampolla: Website: www.groundforcecapital.com LinkedIn: https://www.linkedin.com/in/marksrampolla/ TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

Trump's antics :: "This is war" - Trump about Venezuela :: MK Ultra is real, the gov looked into woo woo subjects :: People who are trying to ring the alarm that AI is dangerous :: Legalizing drugs would end fent problems faster and better than war would :: Gypsy Rose Blanchard and psychopathy :: The psychopaths want us to not care :: Movies actually mind control :: The US knew the Japanese were going to bomb Pearl Harbor :: Caller asks about convo with Bonnie from Porcfest and Tether :: EU fines Elon Musk's X $140,000,000 :: Turd's problem with Indians :: Is there a NAP argument for cop unalivings? :: Candace Owens saga and cult families in Delaware :: Trannies enslaved to big pharma :: 2025-12-07 Hosts: Bonnie, Angelo and Riley O'Bill

The post Are you celebrating Christmas the wrong way? We’re here to help. appeared first on Key Life.

Pour yourself a damn good cup of Gun Barrel Coffee and kick the day in the balls! Save 10% by using code "FREEDOM" at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.gunbarrelcoffee.com/pages/freedom-friends⁠⁠⁠⁠If you want to support the show support us on Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/freedomfriendspodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Mikey is going on tour! Get your tickets to see Mikey and Jason Vest LIVE January 3rd! ⁠⁠⁠Tickets Here⁠⁠⁠If you want to get some of the fine smokey treats you see us having, check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.warfightertobacco.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For all your games, drinks and high jinks at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://battlepub.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the guys here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/warfighter_jon/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/hooliganmikey/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/warfighter_scott/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/qlabjas/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/qlabjustin/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/FreedomFriendspodcast⁠⁠⁠⁠⁠⁠

EPI: 339Today on Our Sleeved Life Podcast, Mel sits down with Kimberly for a powerful and emotional patient story you'll never forget. After surviving long-haul COVID, battling cardiomyopathy, going through a hysterectomy, and reaching her highest weight of 360 lbs, Kimberly made the life-changing decision to undergo VSG (Vertical Sleeve Gastrectomy).Now, 14 months later, she has lost 145 pounds, reversed major health risks, and completely transformed her daily life.In this episode, we dive into:• What long-haul COVID really feels like• How cardiomyopathy and high blood pressure became Kimberly's turning point• The emotional toll of weight gain after hysterectomy• The bariatric surgery approval process and choosing the right surgeon• Stress eating, emotional triggers, and food addiction• Building habits during the honeymoon phase• Life-changing non-scale victories• How therapy and mental health play into sustainable weight loss• Daily weigh-ins, accountability tools, and managing fear of regainWhether you're researching weight-loss surgery, considering VSG, looking for real patient experiences, or trying to understand obesity and post-op mental health, this episode is packed with insight, hope, and relatable moments.Watch the full conversation to learn how Kimberly reclaimed her freedom, her mobility, and her life.Listen on all major podcast platforms + watch the full video on YouTube! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's time to build your family's future on a foundation of true health and freedom. Join us at Future Foundations—because your future generations deserve the best start to the mission that will outlive us… Check it out here. Use code FREEDOM25 for 25% off!    Whether you're looking for tinctures, topicals or teas or a deeper connection to your INNATE healing capacity, Noble Task Homestead is here to serve you. Join the movement. Visit NobleTaskHomestead.com/noblestan today and enjoy a 10% discount on your order.   San Diego area residents, take advantage of our special New Patient offer exclusively for podcast listeners here. We can't wait to experience miracles with you! Welcome to a New Episode of Future Generations Podcast: Dr. Stanton Hom welcomes Michelle West, a dynamic health advocate and non-toxic living expert who has transformed her life and platform after experiencing a profound health crisis. In this powerful episode, Michelle candidly shares her journey from being a fashion influencer to becoming a passionate clean living educator, detailing her struggles with unexplained health issues, parasites, and hormonal imbalances. Listeners will gain incredible insights into navigating toxic environments, making gradual lifestyle changes, and understanding the importance of holistic health – making this episode essential for anyone interested in wellness, parenting, nutrition, and taking proactive steps toward a healthier lifestyle.   Highlights:   "Progress, not perfection. Do things one thing at a time."   "A little bit here, a little bit there, adds up to eventually your body hitting a wall."   "Science is slow. Logic is fast."   "Trust your gut when it comes to your kid, because you're the only one with them 24/7."   "We have a society so scared of cancer and chronic illness, but they're not terrified to eat Skittles and Burger King daily."   Timestamps: 1:10 - Michelle's Niche Transformation 2:32 - Becoming the "Ingredient Label Bestie" 3:40 - Initial Health Symptoms and Doctor Encounters 13:31 - Journey to Optimal Health 14:03 - Discovering Toxicity in Everyday Products 22:46 - Detoxification and Product Replacement Strategy 26:23 - Community Support and Engagement 27:55 - Biggest Challenges in Non-Toxic Living 52:47 - Vision for a Healthier Future 1:05:14 - Importance of Parental Intuition in Child Health   Resources:   Remember to Rate, Review, and Subscribe on iTunes and Follow us on Spotify!   Learn more about Dr. Stanton Hom on:   Instagram: https://www.instagram.com/drstantonhom  Website: https://futuregenerationssd.com/    Podcast Website: https://thefuturegen.com Twitter: https://twitter.com/drstantonhom  LinkedIn: https://www.linkedin.com/in/stanhomdc  Stay Connected with the Future Generations Podcast:   Instagram:  https://www.instagram.com/futuregenpodcast  Facebook: https://www.facebook.com/futuregenpodcast/    Links:    https://www.thehivemethod.co/ https://www.instagram.com/thehivemethod.co   About:   Michelle West is a wellness advocate, entrepreneur, and the creator behind The Michelle West Platform..a trusted resource for non-toxic and clean living. After navigating a difficult and traumatic health journey, Michelle discovered the power of detoxing her lifestyle from harmful chemicals. Today, she inspires thousands to embrace healthier, low-tox choices for their beauty, wellness, and home. Through her curated brand directory and her Toxin Free Transformation community, Michelle empowers people to reclaim their health by making sustainable, safer choices without sacrificing effectiveness or joy. The desire to go off grid and have the ability to grow your own food has never been stronger than before. No matter the size of your property, Food Forest Abundance can help you design a regenerative layout that utilizes your resources in the most synergistic and sustainable manner. If you are interested in breaking free from the system, please visit www.foodforestabundance.com and use code "thefuturegen" to receive a discount on their incredible services.   Show your eyes some love with a pair of daylight or sunset (or both!) blue-light blocking glasses from Ra Optics. They have graciously offered Future Generations podcast listeners 10% off any purchase. Use code FGPOD or click here to access this discount, and let us know how your glasses are treating you!   One of the single best companies whose clean products have supported the optimal wellness of our family is Earthley Wellness. Long before there was a 2020, Kate Tetje and her team have stood for TRUTH, HEALTH and FREEDOM in ways that paved the way for so many of us. In collaboration with this incredible team, we are proud to offer you 10% off of your first purchase by shopping here.   Are you concerned about food supply insecurity? Our family has rigorously sourced our foods for over a decade and one of our favorite sources is Farm Match and specifically for San Diego locals, "Real Food Club PMA". My kids are literally made from their maple breakfast sausage and the amazing carnitas we make from their pasture raised pork. We are thrilled to share 10% off your first order when you shop at this link.   Another important way to bolster food security is by supporting local ranchers. Our favorite local regenerative ranch is Perennial Pastures. They have the best nutrient-dense meats that are 100% grass-fed and pasture-raised. You can get $10 off of your first purchase when you use the code: "FUTUREGENERATIONS" at checkout. Start shopping here.

The Old Testament is full of imagery of God's holiness. The consecration of the priests and vessels for the temple powerfully illustrate how we must reflect that holiness ourselves. But a lot of Christians today seem to think holy and consecrated lifestyles are just for those who lived during the "first big section of the Bible."   But the truth is, they really do apply to our lives today, and are deeply connected to victory over sexual sin.   Pure Life Ministries 26th Annual Conference   Resources we mentioned: #359 - What Role Does Consecration Play in Freedom from Porn? (Podcast Episode) By Pure Life Ministries #513 - A Holy Home | Key Lessons on the Road to Freedom (Podcast Episode) By Pure Life Ministries Download Our Smartphone App

Ready to set your fee? You choose the dream, we'll do the math.

Veteran Ron Beckner, who served 24 years across the U.S. Navy, Coast Guard, and Naval Reserves, shares his unique story from a career as a pipe fitter to the founder of Peaks Integrity Wealth Management. Driven by his working-class background and military integrity, Ron emphasizes the critical need for financial education among working-class Americans, viewing money as a tool and stressing smarter tax strategies. He introduces his Financial STAR process as a blueprint for financial planning, and discusses his book, "A Blueprint and Financial Guide for the Working-Class American." Ron utilizes a hands-on approach to ensure client investments meet their lifestyle and goals, ultimately advising aspiring financial professionals to enter the industry with genuine passion. Episode Resources: Peaks Integrity - Westcliffe, CO  Phone: 719-581-7325     About Our Guest A military veteran of 24 years that included the US Navy, US Coast Guard and the US Naval reserves, Ron blends integrity, hard work and willingness to focus on each client as if they are the only client in the world. Ron uses a hands-on approach when meeting clients to ensure suitability of their investments meets their lifestyle and sustains their objectives for life. The Financial STAR process is one of the main keys to helping working-class Americans understand and plan for their financial future. Ron also has recently published a book titled, "A Blueprint and Financial Guide for the Working-Class American" that is currently available on Amazon.   About Our Sponsors Navy Federal Credit Union   Navy Federal Credit Union offers exclusive benefits to all of their members. All Veterans, Active Duty and their families can become members. Have you been saving up for the season of cheer and joy that is just around the corner? With Navy Federal Credit Union's cashRewards and cashRewards Plus cards, you could earn a $250 cash bonus when you spend $2,500 in the first 90 days. Offer ends 1/1/26. You could earn up to 2% unlimited cash back with the cashRewards and cashRewards Plus cards. With Navy Federal, members have access to financial advice and money management and 24/7 access to award-winning service. Whether you're a Veteran of the Army, Marine Corps, Navy, Air Force, Space Force or Coast Guard, you and your family can become members. Join now at Navy Federal Credit Union. At Navy Federal, our members are the mission.      Join the conversation on Facebook! Check out Veteran on the Move on Facebook to connect with our guests and other listeners. A place where you can network with other like-minded veterans who are transitioning to entrepreneurship and get updates on people, programs and resources to help you in YOUR transition to entrepreneurship.   Want to be our next guest? Send us an email at interview@veteranonthemove.com.  Did you love this episode? Leave us a 5-star rating and review!  Download Joe Crane's Top 7 Paths to Freedom or get it on your mobile device. Text VETERAN to 38470. Veteran On the Move podcast has published 500 episodes. Our listeners have the opportunity to hear in-depth interviews conducted by host Joe Crane. The podcast features people, programs, and resources to assist veterans in their transition to entrepreneurship.  As a result, Veteran On the Move has over 7,000,000 verified downloads through Stitcher Radio, SoundCloud, iTunes and RSS Feed Syndication making it one of the most popular Military Entrepreneur Shows on the Internet Today.