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Let's talk about.... that time I tased myself. That time I stabbed myself. How people pay to run marathons. My tiny feet. My crooked leg. Not surviving the zombie apocalypse. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
President Trump suggests that the high price of oil—surging upward because of his war in Iran—is a good thing, because the United States makes "a lot of money." Jon and Dan discuss the President's unique affordability message, his claim that the war has already been won, and what Joe Rogan, Marjorie Taylor Greene, and Gen Z men are saying about Iran. Then, they check in on the GOP, including the party's mass deportation messaging "hiccup," the lengths some on the right are going to in order to pass the SAVE Act, and MAGA's full embrace of Islamophobia. Finally, they react to former DOGE staffers trying to explain DEI under oath, and to Marco Rubio allegedly lying about his shoe size to the President of the United States.
In this episode, Allie talks with Pastor Jeff Schwarzentraub of Brave Church in Denver, Colorado, about proclaiming biblical truth in an increasingly hostile cultural and political environment. Jeff describes Denver's hedonistic, progressive shift, Colorado's radical transgender and abortion laws, and how COVID-19 convicted him to keep his church open and boldly proclaim the gospel in a time of fear and uncertainty. They discuss the pastor's role in speaking to moral issues like gender and abortion, the cost of courage, Christian engagement in government, raising faithful kids in a dark culture, and the hopeful signs Jeff sees in Gen Z and the next generation of believers. Tune in to this encouraging and inspiring episode! Learn more about Pastor Jeff here: https://pastorjeff.com Share the Arrows 2026 is on October 10 in Dallas, Texas! Tickets are on sale now at: https://sharethearrows.com Buy Allie's book “Toxic Empathy: How Progressives Exploit Christian Compassion”: https://www.toxicempathy.com — Timecodes: (00:00) Intro (01:20) Colorado's Cultural Shift (07:15) Gender Ideology (16:30) The Pastor's Role (20:20) Operating During COVID-19 (24:10) Church vs. State (30:00) Cost of Speaking Truth (37:45) Abortion Policy (40:50) Encouragement to Pastors (47:50) Hope for the Next Generation — Today's Sponsors: Concerned Women for America | When you go to ConcernedWomen.org/Allie and donate $20 or more, you will get a copy of their booklet on Socialism. This comprehensive guide is enlightening and will arm you with the facts to defeat the left's irrational emotions. Alliance Defending Freedom | Go to joinadf.com/allie or text ALLIE to 83848 to send her an encouraging note or Bible verse and thank Adaleia for bravely standing for the truth. Cozy Earth | Discover how care in every detail transforms simple routines into real comfort. Head to cozyearth.com and use my code RELATABLE for up to 20% off. And if you get a post-purchase survey, be sure to mention you heard about Cozy Earth right here. Good Ranchers | To support a company that honors America's past, present, and future, visit GoodRanchers.com today. When you start your plan, you'll get to pick a free meat that will be included in every order for life, and you'll get $25 off your first order using my exclusive code, ALLIE. We Heart Nutrition | If you're looking for the best way to save, you need to use their Build Your Box & Save option. You can use my code ALLIE for an extra 20% off, & it stacks with the Build Your Box savings. Go to weheartnurtition.com. — Related Episodes: Ep 1291 | Warning to Churches: Here's What's Coming Your Way https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000746104225 Ep 1246 | Unbiblical Churches: A Pastor's List of Red Flags | Todd Wagner https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000728601346 Ep 539 | The Rise of the Metaverse Church & the Fall of COVID | Guest: Steve Deace https://podcasts.apple.com/us/podcast/ep-539-the-rise-of-the-metaverse-church-the/id1359249098?i=1000545094487 Ep 372 | Canadian Pastor Jailed & Lessons from Limbaugh https://podcasts.apple.com/us/podcast/ep-372-canadian-pastor-jailed-lessons-from-limbaugh/id1359249098?i=1000509730602 — Buy Allie's book "You're Not Enough (and That's Okay): Escaping the Toxic Culture of Self-Love": https://www.alliebethstuckey.com Relatable merchandise: Use promo code ALLIE10 for a discount: https://shop.blazemedia.com/collections/allie-stuckey
This is The Briefing, a daily analysis of news and events from a Christian worldview.On today's edition of The Briefing, Dr. Mohler discusses the marketing by prediction markets to young women, how sports betting is wrecking Gen Z lives, and he answers questions about continuing to try to have children after miscarriages, what it means to be an American and if ethnicity is tied to it, and if communism is contradictory to Christianity.Part I (00:14 – 10:03)Enticing Young Women to Gamble: Prediction Markets are Marketing to Young Women, But Young Women are More Risk-Evasive Than Young Men – That's Just Creation OrderWomen Wanted: Kalshi Pushes to Expand Far Beyond Sport Bets by The Wall Street Journal (Hannah Erin Lang and and Oyin Adedoyin)Part II (10:03 – 15:41)Sports Betting is Wrecking Gen Z Lives: Young Men are Especially Susceptible to This Temptation – Parents and Young Men, Be WarnedI'm a College Student. Gen Z Sports Betting Is Wrecking My Friends' Lives. by The Wall Street Journal (Eli Thompson)Part III (15:41 – 18:08)My Wife and I Keep Having Miscarriages. Should We Continue to Try to Have Children? — Dr. Mohler Responds to Letters From Listeners of The BriefingPart IV (18:08 – 25:02)What Defines an American? Is Ethnicity Tied to American Identity? — Dr. Mohler Responds to a Letter From a 17-Year-Old Listener of The BriefingPart V (25:02 – 28:28)I Am a Communist. Is Communism Contradictory to Christianity? — Dr. Mohler Responds to Letters From Listeners of The BriefingSign up to receive The Briefing in your inbox every weekday morning.Follow Dr. Mohler:X | Instagram | Facebook | YouTubeFor more information on The Southern Baptist Theological Seminary, go to sbts.edu.For more information on Boyce College, just go to BoyceCollege.com.To write Dr. Mohler or submit a question for The Mailbox, go here.
On this week's Slate Plus exclusive, Timothée Chalamet enters the pas de deux between an Oscar-nominated actor and a public itching for a villain. But as one Gen Z star's public approval goes down, another's rises, on the strength of a “bixie.” Guest: Nadira Goffe, Slate culture writer.This episode is member-exclusive. Listen to it now by subscribing to Slate Plus. By joining, not only will you unlock exclusive episodes of What Next —you'll also access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the What Next show page on Apple Podcasts and Spotify. Or, visit slate.com/whatnextplus to get access wherever you listen.Podcast production by Elena Schwartz, Paige Osburn, Anna Phillips, Madeline Ducharme, and Rob Gunther. Hosted on Acast. See acast.com/privacy for more information.
On this week's Slate Plus exclusive, Timothée Chalamet enters the pas de deux between an Oscar-nominated actor and a public itching for a villain. But as one Gen Z star's public approval goes down, another's rises, on the strength of a “bixie.” Guest: Nadira Goffe, Slate culture writer.This episode is member-exclusive. Listen to it now by subscribing to Slate Plus. By joining, not only will you unlock exclusive episodes of What Next —you'll also access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the What Next show page on Apple Podcasts and Spotify. Or, visit slate.com/whatnextplus to get access wherever you listen.Podcast production by Elena Schwartz, Paige Osburn, Anna Phillips, Madeline Ducharme, and Rob Gunther. Hosted on Acast. See acast.com/privacy for more information.
Three Big Conversations: Timothée Chalamet angers opera singers and ballerinas - 06:46 Harry Styles' new album debuts to middling reviews - 19:00 Donna Kelce's home renovation becomes the internet's favorite distraction - 30:26 Slang of the Week: "Big Chungus Life" - 01:34 In Other News: - 45:45 Miami Heat player Bam Adebayo scored 83 points in a game this week, passing Kobe Bryant's 81 points for the second-most points in a single game in NBA history. (Wilt Chamberlain's 100-point game from 1962 still stands as the #1 record.) According to the Wall Street Journal (paywall), Gen Z is driving a resurgence in mall shopping, with many malls redesigning public spaces to be more "photogenic" and social-media friendly, as well as popular online stores like Edikted opening brick-and-mortar locations. For some middle schoolers, the word "burger" is now funny, thanks to a clip from Disney+'s show Just Beyond going viral, alongside absurd TikTok edits like this one. The controversial AI-generated "actress" Tilly Norwood was featured in a new music video, in which she was made to sing verses like "AI's not the enemy, it's the key." According to an article from Fortune (paywall), Gen Z is becoming more skeptical of TikTok, with 53 percent saying TikTok feels more commercial than it did a year ago, and 72 percent agreeing that content now feels more staged and performative.
Robert explains how incel terminology met the social internet, particularly reddit, and became tied inexorably with Gen Z slang.See omnystudio.com/listener for privacy information.
Live… from Washington… it's The Best One Yet!We performed live at DC's wild Arlington Drafthouse. Some extra razzle dazzle & sprinkle dinkle — but our usual daily Takeaways you know & love.#1. Despite a Slop Bowl Recession, Cava's crushing Sweetgreen… And just launched a secret invite-only club.#2. The F-35 fighter jet is the most expensive weapon in history… but disruption takes a lifetime.#3. Gen Z is driving a Mall Renaissance… because they crave the bPhone era (“Before iPhone”).Plus, the microwave, the robotaxi, GPS, even Silly Puddy… all funded by the government - DC's CIA is the OG VC.Want to see the LIVE show in action? Watch it on YouTube or check out the highlights on Instagram @tboypod.Even better… want to go to our next LIVE show? Buy tickets to The IPO Tour (our In-Person Offering) TODAYNew York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): SOLD OUTNEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.
In episode 2021, Jack and Miles are joined by comedian, Beth Stelling, to discuss… Welcome Back To 2002! Trump Playing 4D Checkers Baby With Save Act, Chinese Business Leaders Mocking Prayers Around Trump, Erika Kirk Joins U.S. Air Force Academy Board, One Of The Manosphere’s Favorite Anti-Porn Apps Has A “Major Security Flaw” and more! Sen. Roger Marshall on high gas prices: "Freedom is not free. Americans are gonna have to make some sacrifices." Nuclear experts undercut White House claims about Iran reactor at heart of case for war Donald Trump targets trans kids while abandoning Americans’ real needs around affordability Meanwhile in China, the viral White House prayer scene has turned into a full-blown social media trend. Trump names Erika Kirk to key advisory board of US Air Force Academy Erika Kirk's Quiet Government Appointment Sparks Backlash: 'What Even Are Her Qualifications?' Plans to honor Charlie Kirk at Air Force Academy Association meeting withdrawn Trump Appoints Man Fearful of Black Pilots to Air Force Academy Advisory Board Mike Johnson Admits He and His Son Monitor Each Other’s Porn Intake in Resurfaced Video Viral anti-masturbation app exposed sensitive user data Gen Z Guys Want to Quit Watching Porn. These Companies Are Ready to Help. The Gen-Z Founders Trying to Get Guys to Stop Watching Porn Masturbation abstinence is popular online. Doctors and therapists are worried Viral 'Quittr' Porn Addiction App Exposed the Masturbation Habits of Hundreds of Thousands of Users LISTEN: Mindfulness by C Y G NSee omnystudio.com/listener for privacy information.
Is your attachment style running the relationship?This week on Daddy Issues, Violet sits down with relationship expert Thais Gibson to break down why you chase, why he pulls away, and how subconscious wiring shapes the way you date.Thais Gibson is a best-selling author, counselor, and founder of the Personal Development School, known for her work on attachment styles and subconscious relationship patterns.They discuss the four attachment styles, the anxious-avoidant cycle, emotional triggers, and how childhood conditioning shapes the way you give and receive love.If the same dating patterns keep repeating in your life, this episode helps you understand why and how to start changing them.Connect with Thais Gibson: university.personaldevelopmentschool.comThanks to our sponsors:Shopify: Sign up for your one-dollar-per-month trial today at Shopify.com/adulting See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Join us at Exiles Minneapolis!Sissy Goff (LPC-MHSP) and David Thomas (LMSW) are children and family therapists and co-executive directors at Daystar Counseling Ministries, where they've served for over three decades. They've written several books together including their most recent book: Capable: How to Teach Your Kids the Strengths, Skills, and Strategies to Build Resilience, which is an awesome book. If you are a parent in 2026, then you need to check out this book—it's immensely helpfulSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Ever since the US and Israel began their war against Iran, economies around the world have been coping with the impacts of energy prices and food security.South Korea has introduced an energy price cap, universities have closed in Bangladesh and India has been granted access to sanctioned Russian oil to ease pressures.We hear where is being impacted the most and how quickly, and if this will see the world move away from its reliance on imports.If you'd like to get in touch with the team, our email address is businessdaily@bbc.co.ukPresenter: Rahul Tandon Producers: Matt Lines and Sarah Rogers Additional reporting: Sarah RogersBusiness Daily is the home of in-depth audio journalism devoted to the world of money and work. From small startup stories to big corporate takeovers, global economic shifts to trends in technology, we look at the key figures, ideas and events shaping business.Each episode is a 17-minute, daily deep dive into a single topic, featuring expert analysis and the people at the heart of the story.Recent episodes explore the weight-loss drug revolution, the growth in AI, the cost of living, why bond markets are so powerful, China's property bubble, and Gen Z's experience of the current job market.We also feature in-depth interviews with company founders and some of the world's most prominent CEOs. These include Google's Sundar Pichai, Wikipedia founder Jimmy Wales, and the CEO of Canva, Melanie Perkins.(Picture: Motorists wait in line to purchase fuel at a petrol station in the Mohammadpur area of Dhaka, Bangladesh, amid concerns over global oil supply disruptions linked to escalating tensions in the Middle East. Credit: Getty Images)
March 12, 2026: Companies are failing to communicate the real promise and potential of AI to their people. Sam Altman stood in front of BlackRock and admitted nobody knows what to do about the labor-capital shift AI is creating. At Morgan Stanley's TMT Conference, the dominant investor question was what AI means for the next generation of workers — and the anxiety in that room is trickling down into every organization. Axios published data showing white-collar job cuts have been compounding for three years, giving employees every reason to be pessimistic. Gen Z is bringing parents to job interviews and planning early retirement in their 40s — two symptoms of a generation that has stopped believing the employment system will work for them. And Fast Company makes the case that women over 50 are the most undervalued workforce asset in the AI age — a missed opportunity hiding in plain sight.
Timothée Chalamet angers opera singers and ballerinas, Harry Styles' new album debuts to middling reviews, and Donna Kelce's home renovation becomes the internet's favorite distraction. Slang of the Week: "Big Chungus Life" In Other News: Miami Heat player Bam Adebayo scored 83 points in a game this week, passing Kobe Bryant's 81 points for the second-most points in a single game in NBA history. (Wilt Chamberlain's 100-point game from 1962 still stands as the #1 record.) According to the Wall Street Journal (paywall), Gen Z is driving a resurgence in mall shopping, with many malls redesigning public spaces to be more "photogenic" and social-media friendly, as well as popular online stores like Edikted opening brick-and-mortar locations. For some middle schoolers, the word "burger" is now funny, thanks to a clip from Disney+'s show Just Beyond going viral, alongside absurd TikTok edits like this one. The controversial AI-generated "actress" Tilly Norwood was featured in a new music video, in which she was made to sing verses like "AI's not the enemy, it's the key." According to an article from Fortune (paywall), Gen Z is becoming more skeptical of TikTok, with 53 percent saying TikTok feels more commercial than it did a year ago, and 72 percent agreeing that content now feels more staged and performative.
When discussing Gen Z and "ghosting," the term often refers to young adults abruptly cutting communication in relationships or at work. But research shows this group is now ghosting alcohol. According to the data, Gen Z and millennials are turning away from drinking and traditional nights out. Being "sober curious" is becoming more popular. But Alcohol Use Disorder (AUD) remains a health concern in this country. The NIH reports that nearly 28 million Americans ages 12 and older struggled with AUD from 2024-2025. A new play at Blackfriars Theatre called "The White Chip" tells the story of one man's struggle living with addiction and his path to recovery. Our guests tell us what we can learn from the play — and from lived experience. In studio: Matt Ames, director of "The White Chip" Katelyn Machnica, Actor #1 in "The White Chip" Kara Izzo, peer support program manager at ROCovery Netzi Montano, FNP-C, nurse practitioner at Delphi Rise ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.
當安靜的「閱讀」和喧鬧的「派對」結合起來，出現在你腦中的畫面是什麼？ Gen Z 現在流行交流書單，當個 ”Hot Nerd”？ - 與傳統的讀書會不同，閱讀派對的參與者不需要閱讀同一本書、努力鑽研這本書的意義，然後再嚴肅討論這本書的價值。 閱讀派對更像一個新型態的社交活動，大家可以帶著自己想看的書到現場閱讀，並自由的交流彼此的書單。 - 今天的書送話題，我們邀請社會系教授劉維公，來跟我們分享舉辦閱讀派對的經驗，帶你認識這個新興的世界潮流！ . 來賓｜劉維公（社會系教授） 主持｜幸芳（誠品職人） . ▍延伸閱讀 偉大的好所在 ☞ https://eslite.me/8tknz9 . ⭓ 誠品聯名卡︱天天賺回饋 活動詳情
China's Two Sessions spotlight the policies and priorities shaping the country's future. How will China build a greener society while supporting a rapidly aging population? And how can the country ensure food security for 1.4 billion people in the years ahead? In this edition of The Hub, our Gen-Z reporters Wang Naiqian and Liu Mengling were at the scene, exploring several major issues discussed during the 2026 Two Sessions. As China pushes for greener development and examines how legislative efforts are strengthening the country's environmental commitments, it also looks at the rise of the silver economy and discusses how longer life expectancy is transforming lifestyles, opportunities, and services for older adults. Regarding agriculture and food security, they also see how China continues to feed its large population while expanding the diversity and quality of food choices.
Join Revolut business with CEOCAST and earn £200 if you add money to your account by 31/03/2026! Sign up using the link below: https://www.revolut.com/rb/ceocast/champt/Improve your health and life with Sunna Supplements, our official partner. Use code 'CEOCAST' at checkout for 10% off your order:https://sunnasupplements.comIn this episode of CEOCAST, I sit down with Champ to unpack what happens when you make $1M and still feel poor, exploring the Gen Z wealth trap, the rise of internet entrepreneurs, and the reality behind the creator economy. We discuss how YouTube, content, crypto, and online business are creating a new generation of digital entrepreneurs, why more young people are choosing the internet over traditional careers, and how attention and personal brands are being turned into real businesses. This conversation dives into YouTube growth, online business, internet money, creator economy trends, Gen Z entrepreneurship, and the psychology of success in today's digital economy.Follow Raheem Here:https://www.instagram.com/raheemka/ @MrCEOX Follow Champ Here: @champtgram Work with us/collaborations:info@theceocast.com
Tommy and Ben unpack the latest twists in Donald Trump's chaotic regime-change war with Iran, which eleven days in is still plagued by shifting goals, contradictory messaging, and rising regional consequences. They break down the White House's confusing claims of victory despite unresolved threats—from the hundreds of pounds of highly enriched uranium still loose inside Iran to signs that Tehran may be mining the Strait of Hormuz. The guys discuss the war's mounting casualties, environmental devastation from Israeli strikes on Iranian fuel depots, and the dangerous escalation of attacks on desalination plants across the Gulf. They also dig into what we know about Iran's new supreme leader, Mojtaba Khamenei, explain why sending troops into Iran to secure its nuclear materials—or seize the oil hub of Kharg Island—would be a massive and risky military mission, and why Democrats in Congress must refuse to authorize more funding for the war. Plus: Israel's widening war in Lebanon, the U.S. military's new role in Ecuador's fight against drug cartels, and the election of a GenZ rapper-turned-politician in Nepal. Then Tommy speaks to Michael C. Horowitz, Senior Fellow for Tech & Innovation at the Council on Foreign Relations, about the Pentagon's fight with Anthropic and how AI is being used by the military.For Friends of the Pod the guys answer questions about whether assassination-as-foreign-policy is making a comeback, which US military interventions were actually successful in the post-WWII era, and, like…dude, what the fuck.Preorder Ben's book All We Say: The Battle for American Identity: A History in 15 Speeches and subscribe to his Substack here.
We played a round of the Bobby Feud. Can you name the Top 10 Company mascots?Carolina Roy calls in to pick a bone with Bobby about music we play on the radio and wants to know who Bobby thinks is an underrated artist. We talked about a story regarding Gen Z men's views on traditional roles. The team shared various perspectives. We talked about chaos at a Golden Corral after someone was stabbed with a fork and suffered "irreversible injuries" during an attack by employees. And the Florida parents who allegedly lied about their teenage son having cancer to raise donations.See omnystudio.com/listener for privacy information.
Gen z is tired of feminism and women trying to be men. Study after study shows it, its over Become A Member http://youtube.com/timcastnews/join The Green Room - https://rumble.com/playlists/aa56qw_g-j0 BUY CAST BREW COFFEE TO FIGHT BACK - https://castbrew.com/ Join The Discord Server - https://timcast.com/join-us/ Hang Out With Tim Pool & Crew LIVE At - http://Youtube.com/TimcastIRL
(0:00) Jason and Chamath welcome SEC's Paul Atkins and CFTC's Michael Selig (0:53) Atkins on how US markets have changed over his 40 year career (3:04) Top priorities across both agencies: Fixing the IPO drought, crypto regulation, cutting unnecessary rules (8:16) AI trading bots, autonomous hedge funds, and investing with leverage (15:30) Ending the "Turf War" between the SEC and CFTC, super app vision (19:15) Prediction markets, insider trading, gray area (26:56) Trump advocates for changing quarterly earnings to bi-annual (30:30) Changing the accreditation rules a priority for 2026 (34:56) HFT firms that dominate the futures markets, swap reporting (40:36) VC fund formation (46:18) US markets vs the world, crypto classification (52:54) Biggest risks: Market manipulation, crypto scams, and the Gen Z gambling crisis SEC Chair Paul Atkins: https://x.com/SECPaulSAtkins CFTC Chair Michael Selig: https://x.com/ChairmanSelig Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect
Lucky Stripes are the least of Lazlo's doctors' worries. SlimFast has a new true crime story, and Gen Z is obsessed with JFK Jr. Lazlo has the most insane insurance story. Do the guys like self-help books and gurus? Stream The Church of Lazlo podcast on Apple Podcasts, Spotify, or wherever you get your podcasts!
Episode 975 takes a trip back to Chicago to explore how big cities weather economic shocks that would destroy smaller towns—a lesson that matters as Trump's oil crisis, job losses, and ACA cuts hit rural Trump voters hardest. Driftglass and Blue Gal examine the fragile interconnectedness of small-town economies and why cascade failures are coming to red America, where MAGA voters are about to learn the hard way that Obamacare and the ACA are the same thing. The episode explores how scale matters in both directions, from moving government jobs between cities to surviving the economic voodoo practiced by a corrupt racist lunatic. Plus, a language lesson about Gen Z reclaiming the "C" word, and how that impacts us "olds." More at proleftpod.com.Stay in Touch! Email: proleftpodcast@gmail.com Website: proleftpod.com Support via Patreon: patreon.com/proleftpod or Donate in the Venmo App @proleftpodMail: The Professional Left, PO Box 9133, Springfield, Illinois, 62791Support the show
Are the markets ignoring the noise, or is a massive shift brewing beneath the surface? This week on Money Moves, Matty A. and Ryan Breedwell break down the chaotic surge in oil prices, the "proxy war" between Israel and Iran, and why the market remains less than 5% off all-time highs despite geopolitical turmoil.Inside This Episode:Geopolitical Chess: Why three major Gulf nations are threatening to withdraw $2 trillion in US investments and how Trump is navigating the Middle East.The Oil Rollercoaster: From $130 a barrel back down to $83—analyzing the "ping-pong" volatility and its impact on your portfolio.Labor Market Red Flags: Record unemployment for college graduates and the "Gen Z drag" on the economy.Crypto vs. The Banks: The growing tension over stablecoin regulation and why Americans now hold more Bitcoin than gold.Housing Market Unwind: Price declines are hitting Florida hard (up to 11% in some cities) as affordability reaches historic lows.The "Trump 18D Chess" Theory: A deep dive into the viral idea that Middle East strikes are actually a play for American financial supremacy 2.0 via crypto.Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text "XRAY" to 844-447-1555
We look at the rising threat of kidnap for ransom. In West Africa, it's a growing criminal industry.But how should any of us respond if or when the worst happens to us and a loved one is taken?If you'd like to get in touch with the team, our email address is businessdaily@bbc.co.ukPresented and produced by Ed ButlerBusiness Daily is the home of in-depth audio journalism devoted to the world of money and work. From small startup stories to big corporate takeovers, global economic shifts to trends in technology, we look at the key figures, ideas and events shaping business.Each episode is a 17-minute, daily deep dive into a single topic, featuring expert analysis and the people at the heart of the story.Recent episodes explore the weight-loss drug revolution, the growth in AI, the cost of living, why bond markets are so powerful, China's property bubble, and Gen Z's experience of the current job market.We also feature in-depth interviews with company founders and some of the world's most prominent CEOs. These include Google's Sundar Pichai, Wikipedia founder Jimmy Wales, and the CEO of Canva, Melanie Perkins.(Picture: Security officers stand guard next to a bus carrying freed worshippers at the Government House in Kaduna on the 5th of February 2026. More than 160 Christian worshippers were initially feared kidnapped during coordinated attacks on three churches in Kurmin Wali, Kajuru area, on the 18th of January. Credit: Getty Images)
March 11, 2026: Your daily rundown of health and wellness news, in under 5 minutes. Today's top stories: Bank of America data shows Gen Z gym memberships up 9% while binge drinking among 21-34 year-olds falls 10% over past decade Mintel reports consumers shifting to science-backed skincare with "clinically proven" claims up 45% and biohacking interest rising 35% year-over-year Universal Health Services acquires Talkspace for $835M, gaining access to 6,000 clinicians and 200M+ covered lives to build full behavioral health stack Today's episode is brought to you by AIIR — a modern communications and experiential agency for health, wellness, fitness, and performance brands. From earned media to events and creator-led campaigns, AIIR helps companies sharpen their story, earn attention, and build trust that compounds. Visit https://aiir.agency to learn more. More from Fitt: Fitt Insider breaks down the convergence of fitness, wellness, and healthcare — and what it means for business, culture, and capital. Subscribe to our newsletter → insider.fitt.co/subscribe Work with our recruiting firm → https://talent.fitt.co/ Follow us on Instagram → https://www.instagram.com/fittinsider/ Follow us on LinkedIn → linkedin.com/company/fittinsider Reach out → insider@fitt.co
What if the price you're seeing isn't the price everyone is seeing?
A special episode focused on Leading Gen Z. Including a new version of the Young Influencers LIst, with 50 young leaders to know. As well as 20 organizations that are gathering, resourcing, connecting and equipping Gen Z and the next generation. And the Top Weekly Leadership Links, with a special emphasis on Gen Z, including recommendations on podcasts and books. And a special Leadership Nugget segment with 7 keys to leading young leaders. Make sure to visit http://h3leadership.com to access all the show notes. Thanks again to our partner for this episode: CONVOY OF HOPE - Please donate to help bring hope to those impacted by disasters at http://convoyofhope.org/donate. Convoy is my trusted partner for delivering food and relief by responding to disasters in the US and all around the world. Right now, Convoy of Hope is responding to the Jamaica hurricane, Texas Floods destruction, the LA fires rebuilding efforts, providing basic needs like food, hygiene supplies, medical supplies, blankets, bedding, clothing and more. All through partnering with local Churches. Join me and please support their incredible work. To donate visit http://convoyofhope.org/donate. And SUBSPLASH – engage your congregation through Subsplash. Schedule your free demo at http://subsplash.com/brad. Subsplash is the platform made to help maximize your church's giving, growth, and engagement. The go to for mobile apps, messaging, and streaming, along with building websites, groups, giving and more, Subsplash puts today's most innovative church technology into your hands so you can focus completely on ministry. Visit http://subsplash.com/brad and join more than 20,000 churches and ministries who partner with Subsplash. Again, visit http://subsplash.com/brad to schedule a quick, no obligation demo.
There is a short walk between video games and gambling. The risk-reward and microtransaction economy mirrors casinos. Now, with the rise of sports betting apps and prediction market platforms like Kalshi, teens are falling into “get rich quick” gambling schemes. They are being fed a lie that the modern economy and market no longer reward prudence and delayed gratification. Of course, this issue runs much deeper than apps and games – it’s a worldview and anthropological issue about what it means to be human. In this episode, Kelly explains the growing and concerning trend of gablification and offers wisdom and next steps for parents. Articles referenced: Brave Parenting Guide to Sports Betting Apps Gen Z is Playing the Economy Like a Casino Financial nihilism: Gen Z gambling meme stock options (Recently Renamed: Why My Generation is Turning to Financial Nihilism) Common Sense Media: Understanding Gambling Among Adolescent Boys Hooked and Hustled: The Predatory Allure of Gamblified Finance Articles that are worthy of reading that were released after this episode was recorded: Women Wanted: Kalshi Pushes to Expand Far Beyond Sport Bets Wanna Bet? How Polymarket and Kalshi are Gamifying Truth Scripture referenced: Genesis 2:3 Genesis 3 Proverbs 8:12 Proverbs 27:12 Proverbs 13:16 Proverbs 21:25 2 Thessalonians 3:10 Colossians 3:23 Ecclesiastes 5:10, 14, 18 Ecclesiastes 8:7 Proverbs 1:7 Book a Speaking Event!! Buy the NEWLY UPDATED book: Managing Media Creating Character (2024 Revised & Updated) Get Kelly’s new Study Guide & Workbook, with video teachings for small groups. Check out our brand new Brave Parenting Merch Sign up for the Brave Bullet Points newsletter! This helps us communicate what’s happening without social media – a win for everyone!
The morning after last week's show, Apple confirmed our thoughts, and the rumors, announcing the all-new MacBook Neo. Starting at $599, this laptop packs a punch. We discuss who it's for (spoiler, a lot of people) and what it means for Windows Laptops. Plus, we have plenty of other tech news to get caught up on and all our usual segments, to help you get out there and tech better! Watch on YouTube! - Notnerd.com and Notpicks.com INTRO (00:00) Asteroid 2024 YR4 will not impact the Moon (03:45) MAIN TOPIC: MacBook Neo (06:05) Say hello to MacBook Neo I can't believe it: Apple's $599 MacBook Neo just lit a monstrous fire under the Windows laptop market — Microsoft better be panicking Apple's strange TikTok videos capturing Gen Z's attention DAVE'S PRO-TIP OF THE WEEK: Set a timer to finish at… (19:20) JUST THE HEADLINES: (24:45) United Airlines can now boot passengers who refuse to use headphones with their devices Seagate just unleashed 44TB hard drives Walgreens testing body-worn cameras for employees Robotic surgery performed remotely on patient 1,500 miles away Hacked Tehran traffic cameras fed Israeli intelligence before strike on Khamenei Florida woman given major jail sentence for illegally selling Microsoft product keys IBM scientists unveil first-ever 'half-mobius' molecule WITHIN REACH! Tied 1-1, this is round 3 (28:10) TAKES: Meta's AI display glasses reportedly share intimate videos with human moderators - A new app alerts you if someone nearby is wearing smart glasses (35:10) Grammarly is using generative AI to provide 'expert' reviews from famous authors and academics (40:20) Anthropic finds 22 Firefox vulnerabilities using Claude Opus 4.6 AI model (42:40) BONUS ODD TAKE: Walkmanland (44:35) PICKS OF THE WEEK: Dave: Small Cream Cheese Spreader Knives Set,Wooden 5in,Stainless Steel Butter Knife Spreader for Cocktail, Condimets, Dips, Appetizers, Jam, Pastry, Sandwich, Toast, Bagel, Charcuterie Board Serving Party Supplies (49:55) Nate: Veken Coffee Canister, Airtight Stainless Steel Kitchen Food Storage Container with Date Tracker and Scoop for Beans, Grounds, Tea, Flour, Cereal, Sugar, 16OZ, Gray (54:05) RAMAZON PURCHASE OF THE WEEK (56:35)
The biggest tech news & social media trends on the internet from March 11th, 2026.Join our Patreon https://www.patreon.com/cw/CentennialWorld Timestamps:0:42 Macbook Neo launches with Gen Z-focused social strategy7:49 Alleged AI influencer uses likeness of hiking/travel creator12:37 TechCrunch feuds with Cluely CEO Roy Lee18:11 Moltbook acquired by Meta 21:05 Anthropic sues US Department of WarSubscribe to Spotify: https://open.spotify.com/show/18cqrQI7gMiVfxIMRAeULF Subscribe to Apple Podcasts: https://podcasts.apple.com/au/podcast/infinite-scroll/id1499785732 Subscribe to our weekly Substack: https://centennialworld.substack.com/ Follow us on Instagram: https://www.instagram.com/infinitescrollpodcast/ Follow our publication: https://www.tiktok.com/@centennialworld Follow Lauren on Instagram: https://www.instagram.com/laurenmeisner_/ Follow Lauren on TikTok: https://www.tiktok.com/@laurenmeisner_Please consider buying us a coffee to help keep Centennial World's weekly podcasts going! Every single dollar goes back into this business
In this episode of the Mission Matters podcast, Ted and Matthew talk to Dave Jacob from Gospel Mobilization and Katy White from GoCorp. They unpack findings from the 2025 Launch Survey, a North American study of 2,400 new and aspiring missionaries. The survey explored what motivates people toward long-term missions and what barriers hold them back. Across generations, the strongest motivators were God's guidance through Scripture and prayer, concern for the personal salvation of others, and the desire to use specific skills and gifts to meet practical needs. For Gen Z in particular, healthy teams and organizational culture mattered deeply.The most significant barrier across all generations was a lack of clear calling or direction, followed by role ambiguity and financial support concerns. Gen Z also expressed heightened concern about spiritual preparedness and loneliness. The conversation challenges churches to disciple young people early, clarify a biblical understanding of calling, and actively mentor those exploring missions. For mission agencies, the findings highlight the need for organizational health, transparency, strong team environments, and intentional spiritual formation throughout the mobilization pipeline.https://gospelmobilization.org/launchsurveyThe Mission Matters Podcast is a place to talk about the importance of our Mission as Christians. The Mission Matters is a partnership of Missio Nexus and Sixteen:Fifteen, who have a shared passion to mobilize God's people to be a part of His mission.
Meet my friends, Clay Travis and Buck Sexton! If you love Verdict, the Clay Travis and Buck Sexton Show might also be in your audio wheelhouse. Politics, news analysis, and some pop culture and comedy thrown in too. Here’s a sample episode recapping four takeaways. Give the guys a listen and then follow and subscribe wherever you get your podcasts. Iran Endgame Clay and Buck open the hour analyzing remarks from Secretary of War Pete Hegseth, who describes increasingly intense American airstrikes and the destruction of Iranian missile sites, naval assets, and military infrastructure. President Donald Trump’s comments from an event in Doral underscore the scope of the operation, with Trump highlighting that U.S. forces have struck thousands of targets and sunk dozens of Iranian naval vessels. This leads the hosts into a broader conversation about the endgame in Iran—specifically the uncertainty over who might take power if the regime collapses and whether the U.S. or Israel has viable contacts who could help stabilize the country. Questions arise about whether any Iranian political figures could work with the West, even discreetly, and whether the U.S. intends to pursue regime change or simply force strategic concessions. The discussion shifts toward the economic consequences of the conflict, particularly the dramatic price fluctuations in global oil markets. Clay notes that oil surged to $120 per barrel before rapidly falling to around $85, emphasizing how the United States’ role as the world’s top oil and gas producer provides a buffer against global shocks. The hosts contrast this national strength with states like California, which has severely limited oil and gas production despite having abundant resources. They argue that nationwide energy independence—driven largely by fracking—has dramatically reduced the geopolitical leverage of petro‑dictator states like Iran, Russia, and Venezuela. Michael Whatley Must Win Senate candidate Michael Watley of North Carolina joins to lay out why he believes his race will become the most expensive Senate contest in American history, with more than $600 million expected to pour into the state. Watley contrasts his platform with Democrat Roy Cooper’s record on crime, taxes, immigration enforcement, and cultural issues, arguing that Cooper repeatedly vetoed legislation aimed at keeping violent illegal immigrants out of North Carolina and supported policies allowing biological males into women’s sports and locker rooms. He highlights the massive federal recovery effort after Hurricane Helene, crediting Trump‑aligned leadership for billions in rebuilding investments across western North Carolina. Watley emphasizes that suburban, college‑educated independent voters—particularly those concerned about inflation, housing affordability, and public safety—will determine the outcome of the race, which historically has been decided by razor‑thin margins. Watley lays out pro‑growth policies he hopes to implement in the Senate, including extending Trump’s middle‑class tax cuts, eliminating taxes on overtime, tips, and Social Security, and pursuing regulatory and trade reforms designed to strengthen manufacturing, small businesses, and farms. He notes skyrocketing housing costs across the state and previews an upcoming meeting with federal housing officials aimed at increasing supply, lowering prices, expanding first‑time homebuyer access, and reducing interest rate pressure. Clay and Buck underscore how these affordability issues have become decisive for independent voters in states experiencing rapid population growth. Nothing is Impossible Shannon Bream, Chief Legal Correspondent at the Fox News Channel, nerds out with Clay and Buck over several high‑stakes Supreme Court cases expected in the coming months. She details upcoming rulings on redistricting, race‑based gerrymandering, and executive power, noting that the timing of decisions could influence how states draw congressional maps ahead of the 2026 midterms. The conversation expands to unresolved tariff‑refund disputes created by recent court rulings and the Supreme Court’s stalled investigation into the Dobbs leak, which she says produced no identified culprit and may be difficult to reopen. Clay and Buck also ask about speculation that aging justices like Samuel Alito might retire while Trump still controls Senate confirmations, though Bream says there are no signs of imminent departures. She also talked about her new book out today: “Nothing is Impossible with God: Eleven Heroes. One God. Endless Lessons in Overcoming”. Suspicious Packages Breaking news emerges as Clay and Buck monitor reports of suspicious packages near Gracie Mansion in New York City following a series of politically charged protests. Clay and Buck highlight how rising tensions around radicalism, counter‑protests, and public safety are shaping the national conversation. This leads into a blistering critique of CNN’s framing of an incident involving homemade bombs thrown outside the home of New York City Mayor Zohran Mamdani. The hosts argue that CNN’s softened, narrative‑driven portrayal of the suspects reveals deep cultural bias within the network’s editorial process, reinforcing their long‑held belief that CNN’s institutional culture needs a complete overhaul. The hour pivots to the broader media environment, with Clay and Buck praising Elon Musk and the transformation of Twitter into a platform that no longer suppresses stories unfavorable to the left. This launches a humorous sidebar about Gen Z slang terms like “glazing,” “mogging,” and “looksmaxxing,” as the hosts poke fun at generational language shifts and how social media influences cultural vocabulary. From there, the show transitions back to serious geopolitical analysis as Caroline Levitt delivers a White House briefing outlining President Trump’s strategy to stabilize global energy markets during the Iran conflict. Clay and Buck explain how the administration’s rapid response—including offering naval escorts for tankers, waiving certain sanctions, and providing political risk insurance—has helped reverse the temporary oil price spike that rattled markets the previous day. Make sure you never miss a second of the show by subscribing to the Clay Travis & Buck Sexton show podcast wherever you get your podcasts! ihr.fm/3InlkL8 For the latest updates from Clay and Buck: https://www.clayandbuck.com/ Connect with Clay Travis and Buck Sexton on Social Media: X - https://x.com/clayandbuck FB - https://www.facebook.com/ClayandBuck/ IG - https://www.instagram.com/clayandbuck/ YouTube - https://www.youtube.com/c/clayandbuck Rumble - https://rumble.com/c/ClayandBuck TikTok - https://www.tiktok.com/@clayandbuckYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.
Timothée Chalamet vs Opera and Ballet, Dak Prescott breakup theories, Liza Minnelli is out of it, Richie Sambora needs help, Jack White attack by Swifties, Alexander brothers guilty of rape, and Teen Takeovers. Rock & Brews is getting ready to open up in Royal Oak. Check out their upcoming concerts. Nino Brown Sports breaks down the separation of Dak Prescott and Sarah Jane Ramos. The NY Post has their own theory. Timothée Chalamet hates ballet and opera. He correctly calls them dying arts. Some people are cracking down on him, but Drew believes it's an Oscar smear campaign. Marc really wants the rest of the show to watch War Machine. Liza Minnelli looks great on her book tour. Totally lucid too. Music: Jack White popped off on the Taylor Swift method. Gene Simmons is sick and tired of celebrities lecturing the public. Jello Biafra of the Dead Kennedys suffered a stroke. Long-lost George Michael film and album are set to be released. “Daryl Hall needs to retire.” We check out Richie Sambora on The Magnificent Others with Billy Corgan. The girl who shot up Rihanna's house is crazy. Rihanna has a five-head. Clavicular (Braden Peters) is the king of looksmaxxing. Gen Z men want submissive women. The creepy Alexander brothers have been found GUILTY of sex trafficking and rape. Criss Angel is being sued by an audience member who just wanted to text his mom. The Red Wings' Dylan Larkin is hurt. Love Story remains a must-watch. JFK Jr. once saved Daryl Hannah from Jackson Browne… and then nailed her. ‘Teen Takeovers' are running amok. Murderer Chris Watts was over the moon for Nichol Kessinger and her smoking hot body. Drew is upset with the loss of the penny and the practice of 'rounding-up'. Britney Spears' mugshot is too important for you to see. She is still fuming at her father. NYC IEDs: NYPD Chief Aaron Edwards has entered meme-level fame. The perpetrators are incredibly young. Jeffrey Epstein's ranch is FINALLY searched. Slow down. Jim's Picks will be bright tomorrow. Merch is still available. Buy it before it's gone. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon)
Today's episode of The Rizzuto Show gets a full generational shake-up when Rizz's son and his friends roll into the studio with a bold idea: kick the adults out and run the show themselves. Yes, really. Armed with a whiteboard presentation, questionable planning skills, and the confidence that only teenagers possess, the crew gets a firsthand look at what happens when Gen-Z tries to take over a morning radio comedy podcast.The result? Equal parts hilarious, awkward, and surprisingly insightful.The boys pitch their brilliant plan for programming (which mostly consists of “talk about movies… good ones”), while the Rizz Show crew grills them about life, music, and whether people in their 40s officially count as “old.” Spoiler: the teens generously declare that real old age doesn't start until your late 50s… which the adults in the room are extremely grateful to hear.From there, the show turns into a full-blown Battle of the Generations. The teens hand over a playlist of songs they claim to love, and the adults attempt to identify them. That means everything from classic 90s hip-hop like 50 Cent and The Notorious B.I.G. to modern artists like Travis Scott and Don Toliver. Shockingly, the “old people” actually hold their own… which leaves the teens slightly concerned about how cool their parents secretly are.Along the way, the group debates whether teenagers really listen to vintage hip-hop, breaks down how music trends keep recycling every decade, and learns that the Rizz Show crew might be a little more plugged into modern music than anyone expected.There are also brutal honesty moments when the teens attempt to guess Learn's age (a dangerous game), observations about identical high-school haircuts and sweatshirts, and the realization that running a radio show for two hours might actually require more planning than “uh… movies.”It's a rare behind-the-scenes look at what happens when teenagers collide with a long-running morning radio crew — and it turns into one of the most unpredictable episodes of the comedy podcast so far.If you've ever wondered what Gen-Z really thinks about millennials and Gen-X… this episode delivers the answers in hilarious fashion.And if the kids actually take over the show someday… well… at least now we know how that might go.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.St. Peters mom went looking for her daughters at a party. She ended up shooting the hostSt. Louis nominated top beer city in USA TODAY 10Best awardsBlue Jay Brewing named “Brewery of the Year” by VinePairLouisiana woman receives Raising Cane's order from DoorDash. Then she learns the driver is responsible for making the drinkCahokia Heights leaders, Illinois American Water push back on claims of E.coli in water samplesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The Boys are stoned and the wind is howling - can they make it through the podcast? Before the the f**kin' trailer takes off, they reveal more about their new show, why spending winter in jail is awesome, and a naked high-speed ambulance chase! Plus: Get learnt about Gen Z love language - is Ricky delulu?
War with Iran. An attack on the residence of New York City's Mayor. What do New Yorkers have to say about all of this? Independent Journalist Nick Shirley shares the attitude on the streets regarding recent events, sharing how people across the political spectrum feel about Iran, ICE, and much more. Nick also goes over his efforts to expose the rampant scammers selling counterfeit goods on Canal St.Plus, Will and The Crew address the calls for Will to run for office, the decline of community involvement, particularly among Gen Z, and the dark secret behind the Iranian women's soccer team.Subscribe to ‘Will Cain Country' on YouTube here: Watch Will Cain Country!Follow ‘Will Cain Country' on X (@willcainshow), Instagram (@willcainshow), TikTok (@willcainshow), and Facebook (@willcainnews)Follow Will on X: @WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices
Independent reporter Aaron Parnas has built one of the fastest-growing news audiences on social media, with millions of followers across TikTok and Instagram. Known for breaking down politics in a casual, direct style, Parnas has become a trusted source for many Gen Z viewers who aren't watching traditional TV news. Parnas joins USA TODAY Senior Reporter Jay Stahl to discuss how he built that audience, why younger Americans are turning to creators for news and what the shift means for the future of journalismLet us know what you think of this episode by sending an email to podcasts@usatoday.com. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
From humble beginnings in England in the 12th century, to landmark civil rights court cases in the US in the 1960s, class actions are now rarely out of the headlines.They're a means of bringing together large groups of people – sometimes millions – under the umbrella of a collective claim for damages.Their popularity has spread from the US back to Europe and beyond, which is becoming a concern for businesses fearful of finding themselves in multi-million-dollar litigation cases. Now, there are growing calls for legislation to curb their rise.If you'd like to get in touch with the programme, our email address is businessdaily@bbc.co.ukPresenter: Ed Butler Producer: Craig HendersonBusiness Daily is the home of in-depth audio journalism devoted to the world of money and work. From small startup stories to big corporate takeovers, global economic shifts to trends in technology, we look at the key figures, ideas and events shaping business.Each episode is a 17-minute, daily deep dive into a single topic, featuring expert analysis and the people at the heart of the story.Recent episodes explore the weight-loss drug revolution, the growth in AI, the cost of living, why bond markets are so powerful, China's property bubble, and Gen Z's experience of the current job market.We also feature in-depth interviews with company founders and some of the world's most prominent CEOs. These include Google's Sundar Pichai, Wikipedia founder Jimmy Wales, and the CEO of Starbucks, Brian Niccol.(Picture: High angle view of lawyers researching at a table in a board room. Credit: Getty Images)
Erin McGoff is an award-winning filmmaker, content creator, and career advice expert known online as the internet's “big sister.” Through her Advice With Erin platform, she has built a massive audience of Gen Z and millennial professionals by sharing practical, no-nonsense guidance on careers, communication, and navigating the workplace. A Pulitzer Fellowship recipient and Forbes 30 Under 30 (2025) honoree, Erin's work has been featured in major publications including the New York Times, Washington Post, and Business Insider. In this episode, Erin shares how she turned filmmaking skills into a thriving creator career, what professionals misunderstand about salary negotiations, and how mastering communication can dramatically increase your earning potential. On this episode we talk about: How Erin transitioned from filmmaking into becoming a viral career advice creator Why authenticity and simplicity helped her build millions of followers online The mindset shift that turns your salary into a “floor” instead of a ceiling Practical strategies for negotiating raises and increasing compensation Why written communication is one of the most valuable workplace skills today Top 3 Takeaways Your salary is the floor, not the ceiling. In today's economy, professionals should think beyond their paycheck and look for ways to build additional income streams or leverage their skills in new ways. Value drives compensation. Raises don't come from personal circumstances—they come from demonstrating measurable value to your organization and clearly communicating it. Visibility matters in your career. Many talented professionals go unnoticed because they don't communicate their impact. Making your contributions visible to leadership can significantly improve career growth. Notable Quotes “Your salary is not the ceiling of what you can earn in a year—it's the floor.” “Close mouths don't get fed. If you want something in your career, you have to ask for it.” “The biggest mistake people make when asking for a raise is talking about themselves instead of the value they bring.” Connect with Erin McGoff: Book: The Secret Language of Work Instagram: https://www.instagram.com/advicewitherin Other: https://advicewitherin.com Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices
John (JD Farmer) is back on the program. John is of the Gen Z generation and it's good to get the perspective of young people let's get into it.
Research shows that Gen Z will be the first generation to score lower on standardized tests than their parents. A number of educators argue that the arrival of technology in the classroom was the downfall. They say that the smartboards, laptops, and other technology geared at helping schools modernize and helping kids keep up has set students back. What can reignite kids' love of learning? The leaders of the Rochester Education Foundation's Smile program say its hands-on learning experiences are boosting students' STEM skills and their passion for education — without relying exclusively on tech. We discuss it with our guests. In studio: Amy Stein, executive director of the Rochester Education Foundation Sean Coffey, Ed.D., executive director of science in the Department of Teaching and Learning at the Rochester City School District Ryan Clair, principal of Dr. David and Ruth Anderson Academy School No. 16 in the Rochester City School District Harmony Davis, 5th grade student at Dr. David and Ruth Anderson Academy School No. 16 in the Rochester City School District ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.
A massive political firestorm erupts after shocking revelations about Zohran Mamdani, including controversy surrounding social media posts linked to October 7th and a violent incident at an anti-Zohran protest in New York where an IED was reportedly thrown. The episode also dives into the broader geopolitical crisis involving Iran, including rising oil prices, and debate over whether the United States should escalate its involvement. Meanwhile, the culture war explodes online. Bill Maher delivers a brutal roast of Adam Schiff, while conservative commentators clash as Candace Owens, Ben Shapiro, and Tucker Carlson find themselves at the center of growing backlash and accusations of misinformation. The discussion also explores the rise of the so-called “woke right” and how online influencers are shaping political views among younger voters.Other moments include Brittney Spears' ex-husband speaking out on the Iran conflict, new polling on Gen Z politics, illegal voting allegations in Pennsylvania, and viral media feuds involving Megyn Kelly, Andrew Klavan, and more.SUPPORT OUR SPONSORS TO SUPPORT OUR SHOW!Introduce red light therapy into your skincare routine with Bon Charge. Visit https://boncharge.com/chicks and use code CHICKS for 15% off sitewide. Make the switch and feel the difference of truly fast, modern antivirus protection from Webroot. Get 60% off at https://Webroot.com/ChicksDon't change your dog's food—just add Ruff Greens. Get your FREE jumpstart trial bag (cover shipping) with code CHICKS at https://RuffChicks.comSubscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore InfoWebsite
This episode originally aired 9/23/24. After the Cute Ones fight about Lifetime movie look-a-likes and Tony Danza appearing gay, they spend the time figuring out who is the Crazy One as they cover the 2002 feminist flop, Swimfan. They spend the hour comparing their motives for being nuts, contemplating if Donny is having a midlife crisis, praying for the release of Jesse Bradford and Azealia Banks' leaked tapes, and arguing with Gen Z about their hatred of sex. Then, Chelsea talks about her hatred of silver jewelry while Donny shames unprofessional restaurant employees. Shoutout to our UK Cuties; your music is more fun! To access AD FREE versions of our episodes, as well as bonus episodes and uncut audio and video, subscribe to our Patreon! If today's episode makes you laugh or scream, please do us a favor and rate our show 5 STARS on Apple or Spotify This is the easiest way for us to grow our community! Get your Cutie MERCH! We're on YOUTUBE! Be sure to subscribe so you don't miss a second of our hijinx - now on video! Follow Us on Social Media! TikTok: cuteonepodcast Chelsea: @ohnochels Donny: @realdonnywood Learn more about your ad choices. Visit megaphone.fm/adchoices
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Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory. They explore why entry-level homes are so constrained and what that means for both investors and homebuyers. They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 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 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education. Speaker 1 0:19 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Keith Weinhold 1:03 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Speaker 2 1:36 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 1:46 Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education. Keith Weinhold 10:39 Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. Keith Weinhold 11:16 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989, Kathy Fettke 12:27 this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You Keith Weinhold 12:46 Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga, Rick Sharga 13:39 good to see you again. Keith, thanks for inviting me. Keith Weinhold 13:41 You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this? Rick Sharga 14:46 Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website Keith Weinhold 18:05 right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to Rick Sharga 18:53 it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan. Keith Weinhold 19:54 Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage, Rick Sharga 20:44 I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year, Keith Weinhold 23:42 we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that? Rick Sharga 24:23 It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market. Keith Weinhold 27:18 Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak, Rick Sharga 27:54 yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing Keith Weinhold 29:23 this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that? Rick Sharga 30:08 We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going. Keith Weinhold 34:18 In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall? Rick Sharga 34:33 I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well Keith Weinhold 35:58 housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that. Rick Sharga 36:12 Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit. Keith Weinhold 36:56 Housing supply is coming up short, but Rick never does. It's been great having you back on the show. Rick Sharga 37:02 We'll do it again soon, Keith, It's great talking to you. Keith Weinhold 37:10 Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 3 40:39 Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. Keith Weinhold 40:58 The preceding program was brought to you by your home for wealth, building, get richeducation.com
A new study just released in time for International Women’s Day reveals that Gen Z men think a wife should always obey her husband. What’s even more interesting, that’s double the number of what older generations think, with just 13 percent of baby boomers agreeing. What is going on with men under the age of 30? See omnystudio.com/listener for privacy information.
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