Podcasts about goals

Point systems are everywhere. Ready for movie night? Consult Rotten Tomatoes. Vetting a new pediatrician? See how many stars they have. At work, it can be even more pervasive: There's KPIs and ROIs because success has to be measurable.  But what happens when we boil something down to one nice number? What do we lose? Philosopher C. Thi Nguyen, author of the new book The Score, joins Host Flora Lichtman to explore how metrics can be soul-crushing in work and in life, yet keeping score is freeing in the world of games. Read an excerpt from The Score: How to Stop Playing Somebody Else's Game.Guest:Dr. C. Thi Nguyen is a philosophy professor at the University of Utah in Salt Lake City. He's the author of The Score: How to Stop Playing Somebody Else's Game.Transcripts for each episode are available within 1-3 days at sciencefriday.com. Subscribe to this podcast. Plus, to stay updated on all things science, sign up for Science Friday's newsletters.

Most business owners set goals forward but don't plan backward. They know where they want to end up in December, but don't know what has to be true in March to make that possible. They then miss their targets because they never figured out what would have to be true - operationally, financially, structurally - to make it happen. Goals without a sequence are just hopes and wishes. Set your goal, and build your plan.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 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   Speaker 1  1:14   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  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Episode SummaryI share 12 productivity strategies from David Allen's legendary book, Getting Things Done..Show Notes Pagejeffsanders.com/612.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsSee current deals from sponsors of The 5 AM Miracle.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Want the Full Episode? Upgrade to the Premium Podcast Experience - https://rachelhollis.supercast.comDive even Deeper in the Coaching Community - Rachel Hollis CoachingCheck out Upcoming Live Events!!In today's episode, Rachel addresses the common struggle of losing momentum with new goals shortly after setting them, especially at the start of a new year. Instead of focusing solely on the goal, she emphasize the importance of building sustainable systems that can support achieving these goals. Let's figure our your system!Get your copy of Rachel's New Book Here: Audible, Amazon, Barnes & Noble, Books-A-Millon, Bookshop.org, or wherever books are sold!00:00 The Excitement and Disappointment of New Year Goals00:39 The Importance of Systems Over Goals01:57 Defining Your 2026 Vision03:32 Building Effective Systems for Success04:41 Recap and Setting Up for February08:52 Personal Health Journey and System Failures14:22 Experimentation and Perfectionism in Systems15:20 Creating Your Personalized System Framework21:18 Exclusive Content and CommunitySign up for Rachel's weekly email: https://msrachelhollis.com/insider/Call the podcast hotline and leave a voicemail! Call (737) 400-4626Watch the podcast on YouTube: http://youtube.com/@MsRachelHollisFollow along on Instagram: https://www.instagram.com/MsRachelHollisTo learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this solo round episode of A Voice and Beyond, Marisa Lee explores why so many people struggle to achieve their goals and how support, alignment, and clarity of vision are often the missing pieces.In this episode, you'll discover:Why lack of support is one of the biggest reasons people abandon their goalsHow trying to “do it all alone” keeps people stuck and disconnected from their purposeThe difference between chasing the how versus clarifying the visionWhy alignment creates momentum, and hustle often creates burnoutA powerful childhood story about dreaming, belief, and living in alignmentHow mentorship and coaching accelerate growth and confidenceWhy success begins internally before it shows up externallyPractical mindset shifts to help you reconnect with your vision for 2026Marisa also shares real-life examples of how living in alignment has created unexpected opportunities, meaningful support, and tangible results, reinforcing the idea that when you align with who you're becoming, the path opens up.✨ If this episode resonates with you and you're ready for support, head to the show notes to explore Marisa's coaching program and discover how you can bring your vision to life with guidance, clarity, and confidence.Find Marisa online: Website: https://drmarisaleenaismith.com/ LinkedIn: https://www.linkedin.com/in/drmarisaleenaismith/ Instagram: https://www.instagram.com/drmarisaleenaismith/ Facebook: https://www.facebook.com/marisa.lee.12 YouTube: https://www.youtube.com/@avoiceandbeyond3519/videos Resources: MLN Coaching Program: https://drmarisaleenaismith.com/mentoring/ Schedule a Free Clarity Call: https://calendly.com/info-56015/discovery Gratitude Journal: https://drmarisaleenaismith.com/product/in-gratitude-my-daily-self-journal/ Download your eBook: Thriving in a Creative Industry: https://drmarisaleenaismith.com/product/ebook-thriving-in-a-creative-industry-dr-marisa-lee-naismith/ Like this episode? Please leave a review here - even ...

In today's episode of Next Level University, hosts Kevin Palmieri and Alan Lazaros break down why ambitious people stay stuck even while working hard. They reveal how conflicting goals, comfort, and lifestyle choices quietly erode focus, discipline, and long-term progress.This conversation challenges the belief that you can chase everything at once and still win. You will learn why misaligned priorities drain momentum and how simplifying your focus leads to stronger results in health, wealth, relationships, and personal development. If you want clarity, consistency, and real performance, this episode will sharpen how you pursue what matters most._______________________Learn more about:Track the Work. Earn the Results. 10 Pounds in 10 Weeks Challenge. To know more about the Next Level Fitness Accountability Group or get directly connected via Instagram:Kevin: https://www.instagram.com/neverquitkid/Alan: https://www.instagram.com/alazaros88/Where learning turns into action. “Next Level Book Club”  every Saturday:https://zoom.us/meeting/register/tJMkcuiupjIqE9QlkptiKDQykRtKyFB5Jbhc_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.

Join Fr. Anthony Messeh for part 2 of "REALationship Goals" a 4-part series at The Well.https://www.youtube.com/stsachurchhttps://www.stsa.church/the-well

It's time for our monthly check in where we review our goals from last month and see what's coming up for the next.Do you set yourself monthly goals and if so, how many do you set? Juan and I on the first week of every month go over our progress from the previous month and where we are heading for the next. Emphasis as always is on the shortcomings; what we didn't achieve in the previous monthly goals and how we will fix that for the month that comes. We hope you get some value from this series, showcasing our own methodology. What do you do differently and why?Stan Link: https://stan.store/meremortalsTimeline: (00:00:00) Intro(00:00:36) Juan's January 2026 Recap(00:06:10) Kyrin's January 2026 Recap(00:12:51) Support Overview(00:13:27) Juan's February 2026 Goals(00:18:24) Kyrin's February 2026 Goals(00:24:01) Moltbot Sidenote(00:32:21) Fitness(00:37:00) V4V Connect with Mere Mortals:Website: https://www.meremortalspodcasts.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcastsValue 4 Value Support:Boostagram: https://www.meremortalspodcasts.com/supportPaypal: https://www.paypal.com/paypalme/meremortalspodcast

Peter Stansky attributes the pessimism in 1984 to Orwell's belief that leaders prioritize power over revolutionary goals, though he remained optimistic about the English people, noting the novel's enduring relevance regarding modern technology, political disinformation, and its historical use as a Cold War cultural document.1899 LITTLE RUSSIA

Peter Stansky attributes the pessimism in 1984 to Orwell's belief that leaders prioritize power over revolutionary goals, though he remained optimistic about the English people, noting the novel's enduring relevance regarding modern technology and political disinformation.1951

And a few boring ones

In this episode of Quah (Q & A), Sal, Adam & Justin answer four Pump Head questions drawn from last Sunday's Quah post on the @mindpumpmedia Instagram page. Mind Pump Fit Tip: Which Rep Range Is Best for Your Goals? (2:16) Research on how much acetaldehyde is released in the gut. (32:15) The rules of the bathroom. (36:02) Carnival King. (41:02) Will resources solve all our problems? (42:13) The dangers of Tylenol/acetaminophen. (51:00) Ready-to-go protein drink that can go mainstream! (54:27) Eating for abundance, and kids & food preferences. (57:10) #Quah question #1 – Maybe this is silly, but I'm trying to take rest periods seriously and have a question. During my two to three minutes, do I need to sit still that whole time or can I prep the bar for my next workout and/or like stretch? (1:04:25) #Quah question #2 – How can I build my legs/glutes when I have really bad knees? (1:07:37) #Quah question #3 – Why can't you do trigger sessions all at once like a set of three instead of three different times a day?! (1:10:32) #Quah question #4 – What are the pros and cons of cold plunge/ice baths, sauna, and hot tubs/hot baths? Is one better for weight loss, muscle gain, and mental health/recovery? (1:12:22) Related Links/Products Mentioned Visit Pre-Alcohol by ZBiotics for an exclusive offer for Mind Pump listeners! ** Code "MINDPUMP26″ for 15% for first-time purchasers on either one-time purchases, (3, 6, 12-packs) or subscriptions (6, 12-pack). ** Experience the difference of Liposomal Technology. Use code MINDPUMP for 20% OFF everything. Visit: https://www.rhonutrition.com/discount/MINDPUMP January Promotion: Code NEWYEAR50 at checkout for 50% off the following programs: MAPS Starter, Transform, Anabolic, and Performance! Visit: http://mapsjanuary.com/  Mind Pump Store Mind Pump #1827: The 3 Best Rep Ranges to Build Muscle & Burn Fat What Is Acetaldehyde and How Is It Linked to Alcohol? Elon Musk SHOCKS! "10 Billion Humanoid Robots by 2040" Elon Musk Says Saving for Retirement Is Pointless "It took me 50+ years to realize what I'll tell you in 69 minutes" - Tony Robbins Major review finds no autism or ADHD risk from pregnancy Tylenol Visit Seed for an exclusive offer for Mind Pump listeners! ** Code 20MINDPUMP for 20% off your first month of Seed's DS-01® Daily Synbiotic. ** MAPS Prime Pro Webinar The Most Overlooked Muscle Building Principle - Mind Pump Media Sauna Use Associated with Reduced Risk of Cardiac, All-Cause Mortality Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Stan "Rhino" Efferding (@stanefferding) Instagram Alex Hormozi (@hormozi) Instagram Tony Robbins (@tonyrobbins) Instagram Peter Attia, M.D. (@peterattiamd) Instagram  

Rachel Entrekin - American elite ultramarathon runner and physical therapist known for her remarkable performances in some of the world's toughest long-distance trail races.  Rachel joins the Keep Hammering Collective to talk about her path from a full-time job to life as a full-time athlete, balancing sponsorships, science, and the grit of mountain running. She opens up about overcoming an eating disorder, finding strength through lifting, embracing imperfections, and building a “bulletproof” life - on and off the trails. From Hardrock dreams and Courtney Dauwalter inspiration to pain caves, haters, and why speedwork is still the worst, this episode is honest, motivating, and unapologetically real. Follow along: Instagram: https://www.instagram.com/cameronrhanes  Twitter: https://twitter.com/cameronhanes  Facebook: https://www.facebook.com/camhanes/  Website: https://www.cameronhanes.com  Follow Rachel: https://www.instagram.com/rachel__entrekin/  Timestamps: 00:00:00 – Full Time Job to Full Time Athlete 00:07:14 – Rachel's Sponsorships 00:15:10 – Dirtbag Runner with a Doctorate Degree 00:22:48 – Eating Disorder, Rehab, and Finding a Love for Mountain Running 00:36:29 – Learning How to Shoot a Bow & the Appreciation of Helping Others 00:48:17 – Spike Camp & Encouragement from Rachel 00:55:23 – Elevation & Gain in Running and Making an Impact 01:00:27 – A Mental Block with Lifting & Creating a Bullet Proof Life with Strength 01:04:18 – Who Inspires Rachel: Courtney Dauwalter 01:11:27 – People That Don't Believe in You - Haters 01:17:51 – Goals for 2026 01:26:52 – Upcoming Opportunities 01:30:24 – Personalities in Running and the Inspiration of Imperfections 01:38:19 – Podcast Experiences and Learning from Others 01:43:08 – F**k, Marry, Kill: Hardrock, Western States, UTMB 01:44:19 – Is a 50k an Ultra Race? 01:46:50 – Rachel's “Pain Cave” or “Filing” Cabinet” When Things Get Hard 01:50:01 – Who Rachel Would Switch Minds with During a Race 01:51:40 – Always Excited to Run … Unless it's Speedwork 01:53:29 – The Power of Everything Going Wrong 01:57:54 – Final Thoughts and New Bow Thank you to our sponsors: https://cameronhanes.com/pages/sponsors 

Sign up for the Healthy Habits Bootcamp (begins Feb. 2nd) HERE:https://brittany-pearson-0916.mykajabi.com/offers/p4xZyP4f(this is FREE for Chasing Greatness Premium members- no need to purchase!)Join Chasing Greatness right here: https://brittany-pearson-0916.mykajabi.com/joinus-c314ce99-4585-4cae-b251-ccae6f397184/PERSONALIZED WORKOUT OPTIONS: found at the bottom of this page: https://www.healthycatholicmoms.com/services/Start losing fat NOW with this FREE guide: https://mailchi.mp/fbd438cb9e15/free-macro-downloadTry my FREE 3 Day Pregnancy Workout Challenge here: https://mailchi.mp/3544a2978243/threedaypregnancyprogramGet the FREE GUIDE to Exercising Postpartum!https://mailchi.mp/4e93de16eeaf/q047rmh7veMy pregnancy and postpartum programs are ALWAYS available right here:https://www.healthycatholicmoms.com/services/Shop Healthy Catholic Moms merch here! Mugs, shirts, and more...https://www.healthycatholicmoms.com/shop/Join my email list here: https://www.healthycatholicmoms.com/____________________________________________________________________________________Schedule a 30 minute coaching call with me here:https://www.healthycatholicmoms.com/services/____________________________________________________________________________For recipes, workouts, and tips- follow me on:Instagram: https://www.instagram.com/healthycatholicmoms/Facebook: https://www.facebook.com/healthycatholicmomsEmail: brittany@healthycatholicmoms.com

                                          Listen in as Erin and Ruben discuss: How perseverance (not talent) was Ruben's edge — he decided early to stop quitting. How Ruben reverse-engineered a plan around his strengths and chose the luge because it rewarded tenacity and outlasting the quitters. The power of mentorship as a true "shortcut": borrow someone else's belief, follow their proven path, and stop arguing logical reasons you can't do it. Proximity + authenticity win: your energy is the currency, and habits change in the right rooms. … and much more!                                               About Ruben Gonzalez is a common man who achieved extraordinary things. He wasn't a gifted athlete. In school he was always the last kid picked to play sports. He didn't take up the sport of luge until he was 21. Four years and a few broken bones later, Ruben was competing in the Calgary Winter Olympics. When he competed at the Vancouver Olympics at the age of 47, Ruben became the first person to ever compete in four Winter Olympics each in a different decade. Since 2002 Ruben has spoken for over 100 of the Fortune 500 companies. He's considered one of the top motivational and inspirational speakers in America. His bestselling books have sold over 300,000 copies and have been translated to over 10 languages. His incredible story takes people's excuses away and fills them with the belief and inspiration to face their challenges and fight for their goals and dreams. People buy into what Ruben teaches because they can relate to him.  How to Connect With Ruben Website: TheLugeMan.com LinkedIn: https://www.linkedin.com/in/ruben-gonzalez-olympian/ Facebook: https://www.facebook.com/thelugeman Recommended Resources  Success Principles Coaching: RubenU.com  Ruben's latest book: TheShortcutBook.com Pursuing Freedom Podcast interview with Damon Lembi

Get your FREE Illustration Training Plan Worksheet (PDF) — tomfroese.com/freetrainingplan"It's a marathon, not a sprint"—but what does that actually mean for your creative career? In this episode, Tom looks back at his biggest insights from 2025 and explains why trying to "do it all" is the fastest way to stall your progress.Using his experience as an ultramarathoner, Tom shares how to apply a training framework to your illustration practice to ensure you're building "functional strength" rather than just busy work.The Danger of Dabbling: Why multiple professional roles create competing interests.Training Blocks: How standard timelines help you build progressive fitness in your art.Functional Strength: Identifying which habits support your main goal and which ones undermine it.The Power of One: Why 2026 is the year of doing one thing exceptionally well.[Download] FREE Illustration Training Plan Worksheet[Read] 2025: The Year in Review (Substack)[Listen] The One Big Shift for Social Media in 2026I'm building a new signature course for illustrators and I need your input. Take this 5-minute survey to help me build it, and get 20% off at launch!

Before you dive into writing, learn these three things that can thwart you from reaching your author goals this year. Listen in!Next Steps:Step 1: Join a supportive community of nonfiction Christian writers at the free Facebook group Publish Like a Pro.Step 2: Get more personalized support through 1:1 book coaching at www.dalenebickel.com/bookworthy-coaching Connect with Dalene:Contact - > info@inkandimpact.comPodcast -＞www.inkandimpact.comFB/IG/LI -＞@dalenebickel What additional topics would you like to learn about?Ready to write and self-publish your first nonfiction book and make a kingdom impact? Join the FREE Publish Like a Pro Facebook group!

Struggling with goals as someone with ADHD? You're not alone. In this video, I break down a practical, compassionate approach to making goals that actually fit your brain.We'll cover:How to breathe life into your goals and make them meaningfulBreaking goals into small, achievable stepsCelebrating tiny wins to keep motivation aliveBecoming flexible with restarts without shameEliminating friction that gets in the way of progressIf you want ADHD-friendly, no-shame strategies for achieving goals that matter, this episode is for you.group coachingeating with ADHD group1:1 coaching

Episode SummaryI share my best morning routine ever. This simple strategy has proven to be the most effective way to start your day!.Show Notes Pagejeffsanders.com/611a.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsClickUp → Use my code MIRACLE to get 15% off all AI add ons.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Frank and Stacey break down the critical difference between goals and purpose, why confusing the two leads to burnout, and how advisors who reconnect to their “why” build stronger client relationships, make better transition decisions, and enjoy their careers longer. Key questions answered in this episode: What is the difference between a financial advisor's goals and their purpose? Goals define outcomes; purpose defines motivation. Advisors who mistake goals for purpose often feel lost after achieving success. Why do advisors feel unfulfilled after hitting major milestones? Reaching AUM targets, exit valuations, or retirement dates doesn't replace the deeper fulfillment that comes from meaningful client impact. How does purpose improve advisor-client relationships? Advisors who understand a client's underlying purpose - not just financial objectives - build deeper trust and longer-lasting relationships. Why do many advisors think they want to retire when they really want a better environment? Burnout is often driven by firm constraints, not a loss of passion for clients. What conversations should advisors be having with clients that most never do? Purpose-driven conversations lead to better outcomes for both advisors and clients. If you're a financial advisor questioning your next move, feeling disconnected from your work, or considering a transition, this episode provides a framework to rethink success - and reconnect with why you started in the first place. For many advisors, rediscovering purpose is also what clarifies whether a firm transition is necessary - or whether the real issue is the environment they're in. Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

Today we break down the viral Alex Pretti protest clip, why it doesn't "change everything," and why accountability matters even when someone's acting reckless. Then we dig into the real deportation numbers, the incentives behind ICE stats, and Rand Paul's spicy compromise: work without citizenship (plus what we'd add to make it actually work).  

Resistant readers are often reacting to confusion, not a lack of ability, and that's exactly where the Four Reading Realms come in! In this episode, we walk through a framework Amanda developed to clarify the purpose behind different reading tasks, helping students understand what kind of thinking is required and why it matters. By separating reading into intentional realms (focused on identity, perseverance, efficiency, and discernment), we can set clearer expectations, build trust, and support deeper engagement, even for students who have struggled with reading in the past.

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One more episode before we take a little winter break (with some great best of's!) we do our annual setting of goals. This year we mix in one non-cycling goal on top of the others. Hey if I hit all of these it's going to be a great year! Adventure Goals for 2026 Continued fitness upgrades Oh Canada! New bike(s) Ultralight gear and ultralight tours A Brompton adventure Seattle S24Os Big toe dip: backpacking… Hoh Rainforest? A transit-assisted adventure A food and beverage-centric adventure A ferry-centric adventure

Most goals do not fail because of a lack of motivation. They fail because people misunderstand the odds. Kyle Austin Young explains why goal setting breaks down, how hidden risks quietly derail progress, and how his probability hacking framework helps leaders and entrepreneurs intentionally improve their chances of success. The conversation explores decision making under uncertainty, resilience, and why thinking about what could go wrong is often the smartest path forward. If you want a more realistic, strategic way to achieve big goals, this episode reframes how success actually works. Today we discussed: 00:00 Why Goals Are About Odds, Not Motivation 03:22 Thinking Negative to Prevent Failure 04:06 Probability Hacking and the Success Diagram 07:39 How to Build a Success Diagram Step by Step 09:09 Why Averaging Odds Fails Your Goals 11:55 Failure, Repetition, and Multiple Attempts 15:38 Advantage, Persistence, and Playing the Odds 18:26 Edison, Experiments, and True Resilience 20:05 Why Reverse Engineering Success Is Risky 21:27 Where to Connect Rate, Review, & Follow If you liked this episode, please rate and review the show. Let us know what you loved most about the episode. Struggling with strategy? Unlock your free AI-powered prompts now and start building a winning strategy today!

Happy 2026! Looking to strengthen your fundraising this year? Andrew and Rhen are back with a practical episode on metrics and goal setting that goes beyond typical New Year's resolutions. In this episode, they break down the key metrics fundraisers should track to build a stronger program—including the important difference between lead measures (what predicts success) and lag measures (what shows results). Andrew shares realistic benchmarks for dollars raised, donor meetings, communication frequency, database growth, and more.Whether you're new to tracking metrics or refining your approach, this episode will help you focus on the numbers that actually drive fundraising growth.And if you want to learn more about fundraising metrics and development strategies, join us at an upcoming Petrus RAISE workshop! Texas, we're headed your way first—sign up now!

In this episode, Dani Moreno and EmKay Sullivan interview Cam Smith, a rare dual-threat athlete who's carved his way from Vertical K and uphill mountain running to earning a spot on Team USA's Olympic skimo team.Cam breaks down how long he has been eyeing the 2026 Winter Olympics, what it actually takes to make an Olympic team in a endurance sport, and dives into his history of injuries and comebacks these past few years. ---

In this packed episode, Alex, Erich, Evan, Corey, Tim, Jaimen and Randy braved the "drifty" 13 to 18-inch Hudson Valley snowfall to look back at a massive year of growth and look forward to what 2026 holds for the local scene. We officially crown our 2025 Players of the Year in the FPO and MPO divisions, recap both Nine Pin Cider Putting League Week 3 and Fence Road Farm Brewery Winter Putting League Week 1, and wrap things up with one of the most chaotic rounds of Disc or No Disc yet.Key Takeaways & Highlights:The 2025 Honor Roll: Using Justin Michelli's multi-metric "weighted" spreadsheet, we reveal the FPO and MPO Players of the Year. Is it a consensus, or is there a debate?2026 New Year's Resolutions: From Alex's road to AmWorlds to Tim's quest for a "healthy" season and a backhand turnover, the guys lay out their quantifiable goals for the coming year.Course Talk: Updates on the back nine at OKDGC, the Greg Kurtz "Workday" philosophy and Tim gets the spreadsheets he's been waiting for.The Big Quiz: A high-stakes "Disc or No Disc" featuring everything from mythology to the Halo franchise and a very specific demon from the movie Dogma.Note: Nine Pin is taking a week off on February 2nd, but they'll add that week to the end of the season!Note 2: This episode description was written with the help of Google GeminiSupport the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari, Erik Haenel and Ross O'Toole.

The Utah Royals crew returns with the snowfall to give you something to do while you sweep (shoveling is a pipedream) your driveway and sidewalk.We love your earholes and we will return with regular episodes as the season gets closer.Come on you Royals!00:56 Cold Open02:53 Car Troubles no more05:30 Pod Crew Updates 8:45 NWSL Expansion Teams: Boston and Denver13:45 High Impact Player Rule and Roster Changes18:09 NWSL Schedule Release and Game Predictions20:56 New Signings and Player Departures23:51 Community Engagement and Fan Support27:12 Anticipating the Upcoming Season30:07 Final Thoughts and Season Kickoff

Your real estate goals can both build your business and honor God simultaneously. The industry tries to separate the two, but you don't have to give into the pressure to fit the mold.In this powerful conversation on The Faithful Agent Podcast, Garrett Maroon sits down with global real estate leader and holistic business coach Cari Briner to unpack what it really means to pursue real estate agent goals that are rooted in obedience — not hustle culture.Cari shares her journey from transactional success to intentional faith driven business leadership, revealing how God began using her real estate career as a platform for marketplace ministry. From building a 10,000-square-foot coworking space led by prayer, to boldly weaving faith into her organization, Cari's story challenges Christian realtors to redefine success beyond volume and visibility.This episode dives deep into real estate goals, realtor structure, realtor systems, and the unseen spiritual framework behind sustainable growth. Cari, a real estate mom, explains why obedience creates momentum, why distraction blocks clarity, and why your business expands fastest when your identity is no longer tied to production.You'll also hear how God used small, faithful steps — not massive strategies — to grow a national real estate organization that now sells hundreds of millions in volume. Along the way, Cari opens up about hardship, surrender, and how leaning into God-given purpose transformed her leadership, peace, and priorities.If you've been setting real estate agent goals without first asking God what He wants your business to become, this conversation will reset your framework.

Send us a textThe headlines won't slow down, and neither will the knot in your chest, anger, grief, fear, and that creeping numbness that pretends it's relief. We go straight at those feelings, not to minimize them, but to name them as signs your empathy still works. From there, we draw a line from Scripture to our moment: Jesus moving through a charged, divided world; a crowd swayed to choose Barabbas; Isaiah's warning about a nation busy with religion but empty on justice. The pattern is old: fear manipulates, innocence pays, and power protects its pockets. Naming it clearly is the first act of courage.We don't stop at diagnosis. We talk about redemptive anger that refuses cruelty, and the nervous system care that makes it possible. Breathwork, walks, sunlight, and limits on doom scrolling help you drop out of fight or flight so you can act with wisdom. We share practical, local moves: listen before you post, speak truth without spite, support a family under pressure, serve at a pantry or school, and pray with intention that nudges you toward courage. If public protest fits your wiring, go in peace; if not, serve where you're steady and safe. Community is essential, find the friend you can hike with and cry with, the circle where silence and prayer can hold what words can't.Most of all, we anchor in meaning over outcomes. We can't undo a decade of damage overnight, and another election won't heal our hearts. But ordinary goodness, quiet, stubborn, and daily, keeps compassion alive. Ask what is yours to carry and what belongs to God. You can feel anger without becoming cruel, grieve without losing hope, and feel fear without letting it run your life. If you're ready to turn outrage into mercy and helplessness into small, faithful steps that matter, press play and walk with us. Subscribe, share this with a friend who needs steadiness today, and leave a review to help others find the conversation.Connect with Leslie: Follow on IG: @yourjoyfulorderstyle Website: https://shopjoyfulorder.com/Email: lmartinez@yourjoyfulorder.com to schedule- Speaking Events, Interviews or Life Coaching SessionsShop my SOAP Journal & Digital Products: https://shopjoyfulorder.com/Watch this Episode on You Tube: https://www.youtube.com/channel/UCsXoAYIM2mfclNtYiaOzIUw Shop my Gratitude, Goals & Prayer Journal on Amazon:https://a.co/d/09Djvaw

Elliot Rudell was a hardcore hippie living a hedonistic lifestyle of sex, drugs, and rock ‘n' roll before he was radically saved and delivered by Jesus in 1973. A transformative spiritual ‘ambush' at a friend's wedding set him on a path he never would have imagined! Today, Elliot is a professional toy and game inventor with over 150 patents and the owner of Rudell Design. From the Jewish lineage, Elliot is very concerned about the potential damage both to the Jewish people and the Church as a result of the deceptive doctrine of Replacement Theology. Elliot believes it contradicts the fullness of both testament teachings. He references Jeremiah 31 and Romans 10-11 and points to the importance of studying and embracing the New and Old Testaments as one complete message, noting that the Old Testament constitutes nearly 80% of the entire word of God.TAKEAWAYSJesus is absolutely true and absolutely righteous and the Bible is intended to be viewed as one complete (‘echad') bookGod has predestined that each man has a free will to accept and love, or refuse and reject God and His salvationIsrael is under an eternal and special covenant with God, and He is jealous for His peopleSanctification means you have been called to holiness, but not that you are automatically holy - that is a choice of your free will

You know what to do for your health. You've known for years. But knowing hasn't made it stick - and starting over is getting exhausting.This episode picks up where my conversation with Dr. Amy Beheimer left off and slows things down enough to look at what actually stops health habits from sticking. Not willpower. Not discipline. The thoughts and feelings that show up before you ever take action.This is a guided journaling episode designed to help you understand why certain health goals keep falling apart - and what needs to shift so you can follow through in a way that actually fits your life.We go beyond “I should be doing this” and into the beliefs, expectations, and quiet pressure that keep pulling you back into the same cycle.Journal through these prompts:What health habit do you know you “should” be doing, but keep not doing because it feels too small to matter?When you think about doing that habit, what do you tell yourself that stops you? Not the logical reason - the automatic thought that shows up.If you're brutally honest, do you actually want this health goal? Or do you think you should want it because everyone else does? If you don't want it, what would feel good to your body instead?What would need to change about this habit for you to genuinely want to do it? Not force yourself. Not white-knuckle it. Actually want it.Dr. Amy says habits aren't just what we do or don't do - they're the thoughts and feelings that come first. Work with me:Breakthrough Intensive - You already know you should slow down, delegate more, stop overcommitting & be emotionally present. So why can't you? That's what we figure out in 90 minutes + integration call 2 weeks later. Book your BreakthroughExhale: Private Coaching - For women ready to do this work until it sticks and you can't revert back. 4 open spots: Work with meConnect with Sam: Instagram | Facebook

[00:00] - Intro[01:43] - New Baby and 2026 Goals[05:44] - Service 2211 has been recorded, and will soon be online[07:48] - 2026: A Building Year for Watershape U[09:01] - Watershape U = Education + Reinforcement and Networking[12:10] - The new WU Service Track[13:33] - Upcoming WU Classes at Shows[20:20] - Closing[21:27] - Service 2211: Essential Water Chemistry - Unit A, Part 1[24:49] - Learning Outcomes and Introduction[27:13] - A.1 Hydrolysis, Saturation and Solubility[31:51] - A.2 Water Chemistry Ranges ______________________________Connect with us! Realize your full potential.Watershape University®Water chemistry questions?Orenda®Questions? Comments? Or apply to sponsor the show:ruleyourpool@gmail.com Facebook: @ruleyourpoolYouTube: @rule-your-pool

Can this still be the year that makes all the difference?If you have decided to be intentional about achieving your dream of an entrepreneurial lifestyle, you will want to set goals. Real, powerful, you will not forget goals. Not vague hopes. Not wishful thinking. But real goals.  In this episode, Case discusses the success path of goal setters. From NFL football teams who start planning to win the Super Bowl one second after the Super Bowl ends, to public corporations that begin the year by declaring revenue targets, growth objectives, and strategic priorities. Everyone gets the memo, except most individuals who are never taught to set goals. Successful people don't drift into outcomes. They decide what they're going to accomplish — and then align their actions accordingly. Your Action PlanDefine the life you actually wantTranslate lifestyle into online business requirementsCreate near-term execution goalsTo have an enjoyable life  in our global, advanced tech society, you can create value.  To have the business, career, finances and lifestyle you desire, follow a proven path that has delivered in all economies.  The path of entrepreneurship. And online entrepreneurship is the fast track for aspiring entrepreneurs.Learn the skills, access the resources and be inspired to live the life of your dreams right here on the Ready Entrepreneur podcastTo find more resources, strategies and ideas for aspiring entrepreneurs visit the Ready Entrepreneur website: https://www.readyentrepreneur.com/To download a free guide for Preparing to Become an Online Entrepreneur, click here:  https://www.readyentrepreneur.com/start/You can get an exclusive discount on the ebook and audiobook version of Recast: The Aspiring Entrepreneur's Practical Guide to Getting Started with an Online Business click here: https://www.caselane.net/recastConnect with CaseFacebook: @readyentrepreneurHQ Instagram: @readyentrepreneur Twitter X: @caselaneworld Pinterest @caselane 

Goals to Grow workbook: https://curtlandry.com/goals26 Discover your divine design with PurposeQuest: https://mypurposequest.com/beginLearn more about the Hebrew Months at https://www.curtlandry.com/tag/hebrew-month Are you ready to take the hand of your Heavenly Father and go higher up the mountain?In this episode of the Curt Landry Podcast, Rabbi Curt is joined by Pastor Michael Hirsch to discuss the Hebrew month of Shevat and how to receive God's fresh outpouring of instruction. It starts by intentionally seeking God's Kingdom first and His righteousness, desiring Kingdom instruction to guide your daily life. Once we receive the instruction, we must embrace it by choosing habits and patterns that reinforce the truth God revealed–letting go of the old way, not nursing and rehearsing the past, but nurturing and cultivating God's vision for your future. This happens little by little, consistent baby steps forward. Do not despise small beginnings–it's less about achieving the goal itself and more about who you are becoming in the process. God doesn't want you to just be inspired. He doesn't want you to operate in your own strength. His desire is for you to be transformed into His very likeness. Join Rabbi and Pastor Michael as they discuss the importance of International Holocaust Remembrance Day, a significant date that falls in Shevat; the power of aligning with a Kingdom-minded community; and the transformation that comes when we encounter the Father-heart of God.

#263: Chris breaks down exactly how he's earned millions of points and miles, and why simplicity matters more than optimization. He covers signup bonuses, spending strategies, credit score impacts, business cards, cash-back alternatives, and how to decide when a card (or perk) is actually worth it. Link to Full Show Notes: https://chrishutchins.com/points-and-miles-simplified-credit-cards Partner Deals Fabric: Affordable term life insurance for you and your family Bilt Rewards: Earn the most valuable points when you pay rent Gusto: Free 3-month trial of the #1 payroll software Notion: Try Notion Agent free to automate tedious tasks and streamline your work Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards: Best Cards Page Alaska Airlines Visa® American Express® Green Card American Express Platinum Card for Schwab Atmos™ Rewards Summit Visa Infinite® Card Bank of America® Premium Rewards® Elite Bank of America® Unlimited Cash Rewards Bilt Palladium Card (Rates and fees here) Capital One Venture X Business Capital One Venture X Rewards Credit Card Citi® / AAdvantage® Executive World Elite Mastercard® Coinbase One Card Costco Anywhere Visa® Card by Citi Hilton Honors American Express Aspire Card Robinhood Gold Card The Business Platinum Card® from American Express U.S. Bank Altitude® Reserve Visa Infinite® Card Venmo Credit Card Wells Fargo Autograph℠ Card Rakuten: Free $50 here Business Payment Platforms: Plastiq | Melio IRS Authorized Payment Providers Pay1040 ACI Payments Reddit: Credit Card Spend Needed to Achieve Each Airline Status Tier ATH Podcast Chris' Credit Card Optimizer Tool Ask Chris Anything! Membership Gift Card Site Ep #164: Earn Points Paying Taxes with a Credit Card (+ Latest Deals/News) Ep #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucci Ep #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact Ep #247: Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back) Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Ep #258: My Top 5 Mistakes with Points & Miles Ep #261: Goals, Tools, and Mindset Shifts for a Better 2026 with Kevin Rose Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction(01:26) How Chris Has Earned 15+ Million Points(03:46) Why Signup Bonuses Still Matter More than Everything Else(05:04) The Role Everyday Spending Actually Plays(08:42) When Transfer Bonuses Are Worth It(12:24) How Chris Leverages Referral Bonuses(13:24) What Having "Too Many" Credit Cards Really Does to Your Credit Score(16:13) How Many Signup Bonuses per Year Is Reasonable?(16:44) Why Spend Requirements Are the Real Bottleneck(18:23) Approval Odds and Timing Applications(22:04) Getting Approved for Business Cards (Without A Business)(27:23) Maximizing Rewards without Overcomplicating It(30:18) When Cash Back Is the Better Option(32:48) Best Cards for Big, One-Time Expenses like Weddings(37:24) Making Sense of Card Rules and Restrictions (38:13) Annual Fees: How to Decide if They're Worth Paying(41:12) Paying Taxes with a Credit Card(46:28) How to Think about Points if You Mostly Care about Hotels(49:10) Is CLEAR Worth It?(51:48) How DoorDash Credits Work(53:25) Is There a Shortcut to Airline Loyalty Status?(57:04) The Best Credit Card for Costco Spending(59:19) Are the New Bilt Cards Actually Bad? Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

"Your destiny is what you're given. Your freedom is how you respond to it." What if your deepest struggles weren't random? What if your entire life was part of a sacred pattern you just haven't fully seen yet? In this profound and illuminating episode of SoulTalk, I sit down with spiritual teacher, and physician Dr. Gabriel Cousens for a raw conversation that goes beyond surface-level spirituality. Together, we explore the deeper design of your life, not as something to fix or escape, but as something your soul chose in order to awaken through. With decades of spiritual practice and clinical healing behind him, Dr. Cousens shares a rare, integrated understanding of karma, suffering, purpose, and awakening. This isn't about bypassing your pain or floating into enlightenment, it's about meeting life as it is, with wisdom, courage, and clarity. The conversation bridges worlds: the mystical and the practical, the energetic and the embodied, the soul's journey and the human experience. If you've ever questioned why your path has been so difficult… if you've sensed there's a deeper reason you were born into this life, this family, this moment… or if you're simply trying to reconcile your desire for spiritual growth with the complexity of being fully human, this episode will speak to you.  Listen now to awaken a deeper understanding of your life and finally remember why you came here in the first place. Timestamps (00:02:10) - Dr. Cousens' spiritual awakening journey (00:05:20) -  Kundalini energy explained (00:09:30) - Can awakening be triggered safely? (00:14:40) - Food, energy & spiritual nutrition (00:18:10) - What enlightenment really means (00:22:40) - Awakening and human relationships (00:26:50) - Reincarnation & the meaning of suffering (00:31:30) - Past lives & clearing karma (00:35:50) - Healing through service & awareness (00:39:30) - Destiny vs. free will (00:42:55) - Goals, ego & spiritual alignment (00:46:30) - Money, responsibility & spiritual life (00:49:30) - Osho, wealth & spiritual symbolism (00:51:20) - Life as a play of consciousness In This Episode, You'll Learn: What spiritual awakening and enlightenment really mean in real life Why pain, loss, and suffering are not random, and how to find meaning in them How to live spiritually without escaping money, work, or relationships The truth about karma, free will, and repeating life patterns Why life isn't something to fix or escape, but something to fully live Some Questions I Ask: What does spiritual awakening actually mean and is it for everyone? Why do painful things keep happening, even when you're a good person? Can you be deeply spiritual and still care about money, work, and relationships? How much of our life is destiny, and how much is free will? Is enlightenment about escaping life or learning how to fully live it? Get in Touch: Email me at kuteblackson@kuteblackson.com Visit my website: www.kuteblackson.com Create a life that is a masterpiece! Join me on a life-changing journey: www.boundlessblissbali.com

During the show tonight, Brooks and the boys are going to discuss Darian Mensah being set free from Duke. We are also going to discuss if college football is actually going to fix targeting. During the local hour, we are going to give our goals for Georgia for the 2026 season. Follow Brooks on Twitter: twitter.com/brooksaustinba Follow Brooks on Instagram: Instagram.com/brooksaustinba Subscribe to Patreon: https://www.patreon.com/brooksaustin Use promo code BROOKS on Sleeper and get 100% match up to $100! https://Sleeper.com/promo/BROOKS. Terms and conditions apply. #Sleeper Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/FILMGUY10 Sponsored by SeatGeek. *Restrictions apply. Max $20 discount Merch: https://www.universitiesforever.com/collections/the-film-guy?srsltid=AfmBOorER1HarPFY2LnaE-o7-Buoaixs652Lkv_NzIGKModpY-HVb1sV Follow Brooks on Twitter: twitter.com/brooksaustinba Follow Brooks on Instagram: Instagram.com/brooksaustinba Subscribe to Patreon: https://www.patreon.com/brooksaustin Merch: https://www.universitiesforever.com/collections/the-film-guy?srsltid=AfmBOorSWVqg5rlU_J9F7pluw8PS5w0WleTpUI__e81vY_hCHSllA_mN Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Which players are due an attacking return in FPL?! Marc and Joe are here to study the 'Goals Imminent' and 'Assist Imminent' tables to pick out the players who's underlying data is not matching with their output!

Suave Golf's Kyle Surlow and Steve 'Beige' Berger congregate to discuss their bold predictions for 2026, both for professional golf and their own personal golf games. Before that, they cover some exciting news in the world of golf course development, discuss Scottie Scheffler's 20th career PGA Tour victory in Palm Desert, Blades Brown, and LIV's new race-based qualification criteria. Music provided by broiler - ⁠⁠⁠⁠⁠⁠⁠⁠⁠listen to and download his music here⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support those who support us! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUAVE GOLF⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - world-class golf sabbaticals and fine goods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hot Drops⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ fermented & flavorful condiments ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Golf Guide⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - purveyors of discounted greens fees across Northern California WATCH - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Like & Subscribe to Nice Grass Nice People⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on YouTube Email us! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠nicegrassnicepeople@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Desert Roots and Gospel GoalsMatthew and Daniel Leo grew up in the Middle East, where sunbaked streets doubled as soccer fields and neighbors quickly became family. Their childhood was filled with the rhythms of daily life, including shared meals, local traditions, and long afternoons chasing a ball through the dust. With parents devoted to humanitarian work, the brothers were immersed in a life of service and shaped by a deep love for people, culture, and faith that would stay with them wherever they went.Now students at Cedarville University, the brothers lace up their cleats as members of the University's soccer team. But if you ask them, they'll tell you their identity goes far deeper than their roles on the field or in the classroom. As they shared recently on the Cedarville Stories podcast, they see themselves first and foremost as children of God — young men whose purpose isn't just to win games but to live lives that reflect Christ.Matthew shared how his identity as a follower of Jesus isn't something he sets aside when he steps onto the field. When he's playing in front of a crowd or pushing through a tough match, his faith remains central to who he is. The way he competes, responds to pressure, and carries himself flows from that deeper commitment. For him, soccer isn't separate from his spiritual life; it's another place where his walk with Christ is lived out.Daniel followed with a heartfelt message for those who may not yet know Christ. He encouraged listeners to explore the Bible with an open heart, describing it as a powerful collection of stories about real people — flawed, broken, and often struggling — who encountered God's grace. Through those stories, he explained, there's a clear picture of hope, redemption, and purpose. Both brothers emphasized that a life shaped by faith is not about perfection but about daily trust and living in a way that reflects something greater than themselves.Their future plans? The Leo brothers hope to return to the Middle East after graduation to continue the work their parents started. They want to invest in people, love their neighbors, and serve in a region they still call home.In a world often driven by status or stats, Matthew and Daniel's story is refreshingly simple and deeply inspiring: two brothers chasing a ball, loving deeply, and running toward a calling far greater than themselves.https://share.transistor.fm/s/aa08bb61https://youtu.be/m9WnRUATlJE

Send us a textWe've hit another milestone episode! And that's all thanks to you. In this episode, I'm sharing my personal 2026 New Year's resolution and how I'm approaching goals differently this year. I will walk you through how I think about vision versus process goals, why your “why” matters more than doing things perfectly, and the simple daily practices I'm using to create more presence and peace. Whether you're setting goals at the start of the year or redefining direction at any point, this episode will help you rethink goal-setting in a more grounded, sustainable way.Find show notes at bicepsafterbabies.com/400Follow me on Instagram and Tiktok!

If you've ever felt like you're doing all the “right” things, building the business, checking the boxes, hitting the milestones, but still feel restless, exhausted, or disconnected… this episode is going to land right in your chest.In this episode of The Happy Hustle Podcast, I sit down with Dr. Barbara Eaton, and let me tell you, this conversation goes way beyond business strategy. Dr. Barbara is a highly sought-after transformational coach, female business strategist, keynote speaker, and the founder of a neuroscience-based coaching practice that helps purpose-driven entrepreneurs build thriving businesses without sacrificing peace, presence, or well-being. She's also a wife, a mother, a five-time grandma (yes, crushing life), a woman of deep faith, and someone who has lived both sides of hustle culture, the grind that looks successful on the outside and the burnout it quietly creates on the inside.What makes this episode matter is that Dr. Barbara doesn't speak from theory; she speaks from experience. From survival-driven entrepreneurship, performance addiction, and emotional disconnection, to radical surrender, rewiring her nervous system, and rediscovering peace as a starting point, not a finish line. We talk about how most high performers are still operating from old survival wiring, why rest feels unsafe for so many entrepreneurs, and how hustle doesn't just affect your business, it affects your marriage, your kids, your health, and your soul.Here are a few powerful takeaways from this conversation:• Burnout isn't a time problem; it's a nervous system and alignment problem. When you're stuck in fight-or-flight, your brain literally shuts down empathy, presence, and clarity. You can't “think” your way out, you have to rewire from the inside out.• Peace is not something you earn after success. It's something you're meant to come from. Dr. Barbara reminds us that there is no magical revenue number, milestone, or achievement that suddenly unlocks fulfillment. Peace is a state of being, not a reward.• Hustle often comes from old survival patterns, not purpose. Many entrepreneurs started their journey out of necessity or fear, and never updated the operating system, even when survival is no longer required.• Presence is the greatest gift you can give to your partner, your kids, your clients, and yourself. You can be physically there and still emotionally unavailable. True leadership starts with nervous system regulation and quiet listening.• Surrender isn't weakness; it's power. Letting go of control, performance, and comparison opens the door to clarity, health, deeper relationships, and sustainable success.We also dive into the importance of faith, stillness, rest, nature, and community, especially for high-achieving women, and how Dr. Barbara creates transformational experiences through her Ruggedly Sophisticated Female Adventure Masterminds and the Wealth & Freedom Collective.This episode is a reminder that happy hustling isn't something you arrive at someday, it's the foundation you build everything from.If you're ready to stop chasing peace and start living from it, this conversation is for you.What does Happy Hustlin mean to you?Barbara says it's the come from. It's the starting point, the foundation. It's not something to get to. It's the starting way in which you do the foundation in which you live your life. We still work. We just do it with happiness and peace.Connect with BarbaraInstagramYoutubeFacebookXLinkedinFind Barbara on her website: https://barbaraeaton.com Connect with Cary!InstagramFacebookLinkedinTwitterYoutube Get a copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful BalanceSign up for The Journey: 10 Days To Become a Happy Hustler Online CourseApply to the Montana Mastermind Epic Camping Adventure“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at bioptimizers.com/happy and use code HAPPY10 for 10% OFF.

On today's episode, I'm joined by Jacq Gould for a grounded, honest conversation about building self trust, reconnecting with yourself, and navigating seasons where you feel stuck or disconnected. We explore what self connection really looks like in daily life, the common signs of disconnection like perfectionism, people pleasing, and overextending, and why worthiness isn't something you earn after achieving a goal—but something that's built through self trust. Jacq shares her personal journey into this work, the power of group healing, and practical tools like daily nourishment practices, collecting evidence when things work out, and knowing when it's time to redirect a goal instead of forcing it. From reframing self-talk and releasing fear-based thinking to balancing self connection through motherhood, this episode offers thoughtful insights and tangible practices to help you feel more grounded, confident, and aligned with yourself. Enjoy!To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. To connect with Jacq on Instagram, click HERE.To connect with Jacq on Tiktok, click HERE.To check out Your Inner Babe, click HERE.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Save 15% off my favorite Red Light Face Mask from BON CHARGE by using code DREAMBIGGER at www.boncharge.comGet $25 off your first purchase when you go to TheRealReal.com/dreambiggerAnd here's the good news – Branch Basics is now available everywhere you shop: Target, Target.com, Amazon, and of course, BranchBasics.com. Tossing the toxins has never been more convenient! And for anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code DREAMBIGGER. Just use code DREAMBIGGER for 15% off the Premium Starter Kit at BranchBasics.com. After you purchase, when they ask where you about them, please make sure to mention our show!Get started with the Experian App now!If 2026 is your year, go to shopify.com/dreambigger and make your move.Text DREAM to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why do so many people start the year feeling motivated — and then quietly give up on their goals just weeks later? In this episode, we're breaking down the real reason most goals don't stick, and it has nothing to do with discipline, willpower, or motivation. The real issue is that most people approach their goals with interest instead of commitment — and when uncertainty shows up, they quit. You'll learn why nearly half of people abandon their goals by the end of January, why your brain would rather cling to the certainty of failure than tolerate the uncertainty of success, and how misaligned expectations cause people to give up right before progress compounds. We'll talk about the neuroscience behind quitting, the emotional discomfort that shows up in the "messy middle," and how to reframe uncertainty as a sign that you're actually doing something right — not wrong. This episode will help you stop abandoning yourself when things get hard and start building the emotional resilience required to follow through on what you say you want.  

"In the DNA."   Chatter rolls through snowmageddon with Claude, David, Jamie, and Torie.  Nancy Baenen of Arcadia Books returns to nominate their first author for "The Pitch", James DeVita and his book "Sanctuary," post-apocalyptic yet scarily current.  Then Mark Medley zooms in to share "Live to See the Day," his empathetic search to answer the question: what keeps people going against insurmountable odds?  Over five years, multiple continents, and hundreds of interviews Mark finds the true meaning of hope against the odds.  It's fun, inspirational, and we want to take all of Mark's people to dinner! 

Save up to $200 on our B2+C1 English Fluency New Year Bundle. ⁠Offer expires Feb 1st at midnight. ⁠Go here to get the special price. Want to know your English level? Take our free English-level quiz here to find out what your current English level is.  Do you love All Ears English?  Try our other podcasts here: Business English Podcast: Improve your Business English with 3 episodes per week, featuring Lindsay, Michelle, and Aubrey IELTS Energy Podcast: Learn IELTS from a former Examiner and achieve your Band 7 or higher, featuring Lindsay McMahon and Aubrey Carter with Jessica Beck in previous episodes Visit our website here or https://lnk.to/website-sn If you love this podcast, hit the follow button now so that you don't miss five fresh and fun episodes every single week.  Don't forget to leave us a review wherever you listen to the show. Send your English question or episode topic idea to support@allearsenglish.com Learn more about your ad choices. Visit podcastchoices.com/adchoices