Podcasts about Great Recession

Creative people love ideas. We love the sketch, the concept, the big vision, the possibility of something that doesn't exist yet.But eventually, somebody has to build it.And that's where creativity runs into budgets, materials, clients, regulations, deadlines, economic downturns—and all the other realities that can either sharpen an idea or stop it altogether.My guest today knows that intersection especially well.Lance Cayko has worked with his hands in the construction trades, studied environmental design and architecture, built an award-winning architecture and design-build firm, taught the next generation of architects, developed real estate, launched community projects, and even built a successful podcast around the business of architecture.Lance's WebsiteLance on YouTube@F9Productions on InstagramLance's Facebook pageLinkedIn: https://www.linkedin.com/in/lance-cayko-1227031a/He co-founded F9 Productions with Alex Gore in 2009—right in the middle of the Great Recession—with about $1,000 and the willingness to find a way forward. Since then, the firm has grown dramatically and produced projects ranging from custom homes and multifamily developments to the internationally recognized Atlas Tiny House and Eastwatch retreat.1. CREATING WHEN THE CONDITIONS ARE TERRIBLE: Sometimes constraints don't kill creativity—they force us to become more creative.2. THE HAMMER AND THE BLUEPRINT: How actually building things with your hands changes the way you think creatively as an architect3. INNOVATION THAT EARNS ATTENTION: creating something genuinely better versus simply creating something different4. SCALING CREATIVITY WITHOUT LOSING IT: extending the definition of “building”5. BUILDING SOMETHING BIGGER THAN YOURSELF: sharing knowledge and creating community.Lance leaves listeners with something they can put into practice this week.You can learn more about Lance, explore his work, and listen to Inside the Firm at InsideTheFirmPodcast.com.And wherever you're listening today, be sure to follow, rate, and review YOUR WORLD OF CREATIVITY. Share this episode with another creative professional, entrepreneur, architect, designer—or anyone who has an idea they're ready to move from blueprint to reality.Until next time, we'll keep traveling around the world, talking with creative people about how they get inspired, organize their ideas, and gain the confidence to make them real.Keep unlocking YOUR WORLD OF CREATIVITY.

A lot of things are on track to get more expensive. The U.S. Treasury market is the bedrock of the global economy. When yields on those Treasuries go up, mortgages, car loans and credit cards get more expensive, and it can hit the stock market, too. And yields have been going up – to levels we haven't seen consistently since before the Great Recession – inspiring some erratic and futile efforts from the Trump administration to push them back down. So why are yields creeping higher? What is the administration trying to do about it? And if this continues, what's in store for the economy? Robin Wigglesworth is the editor of the Financial Times blog Alphaville, a host of the podcast “The Story of Money” and the author of the forthcoming book “A Fabulous Debt: The Epic Story of How Bonds Built the Modern World.” This conversation was recorded on August 24, 2026. Mentioned: “An Economic D-Day Is Coming for Iran” by Scott Bessent Book Recommendations: Barbarians at the Gate by Bryan Burrough and John HelyarThe Prize by Daniel YerginLords of Finance by Liaquat Ahamed Thoughts? Guest suggestions? Email us at ezrakleinshow@nytimes.com. You can find the transcript and more episodes of “The Ezra Klein Show” at nytimes.com/ezra-klein-podcast. Book recommendations from all our guests are listed at https://www.nytimes.com/article/ezra-klein-show-book-recs.html This episode of “The Ezra Klein Show” was produced by Rollin Hu. Fact-checking by Michelle Harris, with Kate Sinclair and Mary Marge Locker. Our senior engineer is Jeff Geld, with additional mixing by Aman Sahota. Our recording engineer is Aman Sahota. Cinematography by Marina King. Video editing by Kristen Williamson, Brandon Belk-Yee and Dani Dillon. Our executive producer is Claire Gordon. The show's production team also includes Marie Cascione, Annie Galvin, Kristin Lin, Emma Kehlbeck, Jack McCordick and Jan Kobal. Original music by Pat McCusker. Audience strategy by Shannon Busta. The director of New York Times Opinion Shows is Annie-Rose Strasser. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We all have a plan until life decides otherwise. One phone call, one diagnosis, one unexpected loss, and suddenly the path we thought we were on doesn't look the same anymore. Maybe navigating unexpected challenges isn't about having the perfect plan, maybe it's about learning how to find your footing when the plan changes completely. Bill Derrick, a business leader who guided his family's construction company through the Great Recession before later being diagnosed with incurable blood cancer, joins host Swati to talk about what resilience actually looks like day to day, why hiding struggle rarely works in the long run, and what he's learned about the two things we can always control: attitude and effort. About the Guest: Bill Derrick is a Christian business leader, author, and public speaker who led his family's construction and real estate firm, Derrick Companies, through the Great Recession, and later navigated a diagnosis of multiple myeloma, an incurable blood cancer. He is the author of Restored by the Storm: Navigating Through Life's Unexpected Challenges. Key Takeaways: Being told "you'll look back and this will be the best thing that happened to you" rarely helps, empathy and a genuine offer to help mean more. There are two things you can always control, no matter what's happening around you: your attitude and your effort. Hiding a struggle might work short term, but eventually it shows up in performance, tardiness, or how you treat people, it rarely holds up long term. The storm always ends eventually, even when it feels permanent, situations change and you'll end up somewhere different than where you started. Progress often looks like two steps forward, one step back, a setback doesn't erase how far you've already come. Connect With the Guest: Website: https://www.billderrick.com Book: Restored by the Storm: Navigating Through Life's Unexpected Challenges (Amazon, Barnes & Noble, and wherever books are sold) X (Twitter): https://x.com/wmderrick Episode Chapters: [00:00] What We Get Wrong About "Just Bounce Back" — the real question behind this episode [01:45] Why Resilience Isn't About Having All the Answers [04:51] What Happens Beneath the Surface When Your Sense of Control Is Shaken [08:31] The Quiet Signs Someone Is Struggling More Than They're Letting On [13:32] Finding the Next Step When You Don't Know Which Direction to Take [19:31] Handling Setbacks Without Feeling Like You've Lost All Your Progress (approx.)   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This episode is produced for educational and informational purposes only. All views expressed by the guest are their personal opinions alone and do not represent the views of the host or Healthy Mind by Avik™. The Network does not verify, endorse, or assume responsibility for any guest statements. Nothing in this episode constitutes medical, legal, financial, or professional advice, please consult a qualified professional before making any decisions. Listeners are encouraged to engage critically and independently with all content do not consume blindly. Use this content as a starting point for your own reflection and research, not as a substitute for professional guidance. Third-party content is referenced under fair use for informational purposes only. Guest speakers are solely responsible for their own statements. If you have concerns about any content, please contact us here By listening, you acknowledge and accept this disclaimer in full. Read detailed disclaimer here. Healthy Mind By Avik™️is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty, storyteller, survivor, and wellness advocate. With over 6500+ episodes and 200K+ global listeners, we unite voices, break stigma, and build a world where every story matters.

Another month, another PCE report that put annual core inflation meaningfully above the Fed's 2% target. The central bank has been fighting high inflation for more than five years now. At a certain point, you might start to wonder, does the Fed even have the power to fix it? Also in this episode: Consumer confidence falls, transportation durable goods orders tick up, and Arizona's Great Recession-era bid to save the state budget offers insight into how AI might change our tax structure.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:Inflation is stuck above 2%. Can the Fed really do anything about it?Consumers are pessimistic about the next six monthsHow Arizona's "Capitol-ism" points to a potential tax fix for the AI ageWhat's driving an increase in orders for transportation equipment?Running a historic motel off Route 66 is no easy pursuitThe Gila River Indian Community "walks the walk" on water conservation

Another month, another PCE report that put annual core inflation meaningfully above the Fed's 2% target. The central bank has been fighting high inflation for more than five years now. At a certain point, you might start to wonder, does the Fed even have the power to fix it? Also in this episode: Consumer confidence falls, transportation durable goods orders tick up, and Arizona's Great Recession-era bid to save the state budget offers insight into how AI might change our tax structure.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:Inflation is stuck above 2%. Can the Fed really do anything about it?Consumers are pessimistic about the next six monthsHow Arizona's "Capitol-ism" points to a potential tax fix for the AI ageWhat's driving an increase in orders for transportation equipment?Running a historic motel off Route 66 is no easy pursuitThe Gila River Indian Community "walks the walk" on water conservation

Jason welcomes his long-term client David Porter, a retired executive who began investing in residential real estate around 2008. David explains his unique "free lunch metric," which he used to identify stable neighborhoods by ensuring fewer than 50% of local students qualified for government-assisted meals. Throughout the discussion, the pair explores the benefits of buy-and-hold strategies in linear markets like Indianapolis, emphasizing cash flow over speculative appreciation. David shares practical advice on managing property managers, maintaining financial buffers, and the importance of professional oversight for supposedly passive investments. They conclude by highlighting how David's courageous investing during the Great Recession successfully built a reliable income stream for his retirement.   EmpoweredInvestor.com/Wednesday PropertyTracker.com   Key Takeaways: 0:00 The 'Free Lunch' Metric 5:28 3 Markets and TGF crisis 9:00 Lessons learned along the way 17:46 Here's the key 22:05 Tools and market updates 24:46 Thoughts of giving up and insurance 27:34 The great tenant  _______________________________________________________________ Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://empoweredinvestor.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: https://empoweredinvestor.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: https://empoweredinvestor.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://empoweredinvestor.com/deals Special Offer from Ron LeGrand: https://empoweredinvestor.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Third Coast Bancshares Founder and CEO Bart Caraway joins Inside the ICE House to discuss building a Texas-based community bank from a vision into a publicly traded company now listed on the New York Stock Exchange. He reflects on launching the bank in 2008 at the onset of the Great Recession and how a commitment to servant leadership and community impact has driven the bank's growth. He also highlights the bank's dual listing on NYSE Texas, sharing his enthusiasm for the listing and the exchange as a symbol of the state's expanding economic influence and entrepreneurial spirit.

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Brandon Sedloff and Bill McMorrow trace the evolution of Kennedy Wilson from a $57,000 real estate auction company in 1988 to a global investment firm managing nearly $38 billion in assets. McMorrow shares how a series of pivotal relationships, from early banking mentors to partnerships with George Graziadio and Fairfax Financial's Prem Watsa, shaped the firm's trajectory across four decades of real estate cycles. The conversation on The Distribution reveals how McMorrow identified opportunities in Japan during the 1990s, Ireland and the UK following the Great Recession, and multifamily housing markets when regional banks retreated in 2023. They discuss: - Why McMorrow focuses exclusively on housing across the US, Ireland, and the UK after owning every asset type - How a half-hour conversation at a Berkshire Hathaway meeting led to $20 billion in joint ventures over sixteen years - The discipline of saying yes to start the journey, even when the path forward isn't clear - Why narrowing focus and tuning out noise matters more than ever in today's information-saturated environment - What McMorrow learned from working on commercial fishing boats, in a slaughterhouse, and growing up in a family of nine kids This episode offers insight for investors navigating uncertainty, building long-term institutional relationships, and recognizing contrarian opportunities when markets feel murky. Topics: (00:00:00) - Intro (00:02:43) - Bill McMorrow's early life and formative years (00:05:31) - Banking career and move to Philadelphia (00:08:43) - Acquiring Kennedy Wilson in 1988 (00:10:51) - Expanding to Japan in the 1990s (00:12:14) - The Great Recession and meeting Prem Watsa (00:15:06) - Kennedy Wilson's culture and growth to $38 billion (00:16:36) - Growing up in a family of nine (00:22:25) - Building relationships with foreign investors (00:24:25) - The Ireland opportunity and Bank of Ireland deal (00:30:55) - Kennedy Wilson's business model today (00:31:24) - Focus on housing and recent acquisitions (00:39:11) - Staying focused and tuning out the noise (00:44:22) - The importance of starting the journey (00:45:39) - Taking chances and betting against the crowd (00:47:45) - Looking ahead: opportunities and strategy (00:54:34) - Closing thoughts Links: Kennedy Wilson - https://www.kennedywilson.com/ Juniper Square - ⁠⁠https://www.junipersquare.com/⁠⁠ Brandon on LinkedIn - ⁠⁠https://www.linkedin.com/in/brandonsedloff/⁠

When God Doesn't Answer the Way You Prayed | Before You Quit #2 When you've prayed, sacrificed, and trusted God for years—and the answer still doesn't come—what happens to your faith? In Day 2 of Rob Skinner's new book, Before You Quit: Hope for the Christian Who Feels Done, Rob shares one of the most personal and painful stories in the book. After becoming a Christian, Rob prayed intensely for his parents to come to faith. He hoped his father would turn to God before dying of pancreatic cancer. Years later, Rob moved his wife and three children to Ashland, Oregon, gave up a paid ministry position, started a church in his living room, began a new career, and endured significant financial loss during the Great Recession—all while hoping his mother would eventually respond to the gospel. She never did. On her deathbed, she told him to stop praying for her. That loss opened what Rob describes as a hole in his soul. He had prayed. He had sacrificed. He had rearranged his life. And somewhere along the way, he began believing that God owed him the outcome he wanted. In this deeply personal episode, Rob talks about quiet disappointment with God, unanswered prayer, grief, delayed hope, and what happens when our expectations of God collide with His sovereignty. You'll hear about: Rob's years of praying for his parents His father's death and the hoped-for "thief on the cross" moment that never came Why Rob moved his family back to southern Oregon Starting a church while supporting his family through real estate Losing retirement savings and property during the Great Recession His mother's resistance to Christianity The spiritual collapse Rob felt after her death Why he began feeling that God "owed" him Romans 9 and the difficult lesson of trusting the Potter How to continue loving God when His silence hurts Why disappointment doesn't have to become distance If you're carrying unanswered prayers, disappointment with God, grief, or the feeling that your sacrifice should have produced a different outcome, this episode is for you. You may not have the answer you wanted. But you do not have to walk away. Keep going. Before You Quit: Hope for the Christian Who Feels Done is available on Amazon and through RobSkinner.com. If you know someone who is struggling with disappointment toward God or considering leaving the faith, send them this episode. Rob's goal is to inspire you to live a no-regrets life, make this life count, and multiply disciples, leaders, and churches.

Bill Derrick is a second-generation construction leader with more than 50 years of experience as President of the Derrick Companies. He helped guide his family business through the Great Recession, only to face another unexpected challenge when he was diagnosed with multiple myeloma, an incurable blood cancer. Through both business and personal adversity, Bill developed a deeper perspective on resilience, faith, and leadership. He shares those lessons in his book, Restored by the Storm: Navigating Through Life's Unexpected Challenges.

Ep 130: Day 13 Explaining Investing Through a TJ Maxx Run with Nadia C. Vanderhall of Brands + BandsPart of noseyAF's 31 Days of Black Business series

Credit card delinquencies are sitting at 13% so far this year. It's the highest national rate since the tail-end of the Great Recession. The aftermath of the COVID-19 pandemic, including high inflation and job uncertainty, is partially to blame. Also in this episode: Home equity lines of credit become more popular as traditional borrowing rates climb, small business owners are cautious but optimistic — and trying to hire — and Kyla Scanlon explains economic nihilism.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:Younger consumers are turning to "little treats" in the face of economic nihilismWhy lines of credit have become a preferred piggy bank for homeownersCredit card delinquencies approach Great Recession levelsChina is shaping the technology of the future. Where does that leave the U.S.?Small business owners are feeling uncertain but optimistic

Credit card delinquencies are sitting at 13% so far this year. It's the highest national rate since the tail-end of the Great Recession. The aftermath of the COVID-19 pandemic, including high inflation and job uncertainty, is partially to blame. Also in this episode: Home equity lines of credit become more popular as traditional borrowing rates climb, small business owners are cautious but optimistic — and trying to hire — and Kyla Scanlon explains economic nihilism.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:Younger consumers are turning to "little treats" in the face of economic nihilismWhy lines of credit have become a preferred piggy bank for homeownersCredit card delinquencies approach Great Recession levelsChina is shaping the technology of the future. Where does that leave the U.S.?Small business owners are feeling uncertain but optimistic

What if you could make six, seven, or even eight figures on a piece of land - without ever picking up a hammer? In this episode of The A Game Podcast, Nick Lamagna sits down with Cody Bjugan, founder of VestRight and creator of the LDP (Land with Development Potential) model, to break down the most overlooked niche in real estate investing: land entitlement. Cody built a $900M+ portfolio by controlling raw land, walking it through the city approval process, and exiting to national homebuilders - often doubling his money without spending a dollar of his own on construction. He shares exactly how the LDP model works, how to source off-market land deals, how to negotiate with landowners, and how to win over difficult city councils and NIMBY neighbors during the entitlement process. But before the tactics, Cody gets real about the mindset work behind the money - losing 90% of his net worth in the Great Recession, quitting alcohol, redefining his identity outside of wealth, and learning to lead with faith and humility instead of ego. This episode is part real estate masterclass, part personal development deep-dive for entrepreneurs chasing their next level. In this episode, you'll learn: ✅ What "LDP" (Land with Development Potential) actually means and why it's called the best-kept secret in real estate ✅ How to control land without owning it, and exit through a double closing with a homebuilder ✅ Why the hardest, most restrictive markets often produce the highest returns ✅ How to navigate city planning, zoning boards, and NIMBY opposition without burning bridges ✅ Why chasing money without purpose leads to emptiness - and what to chase instead   Connect with Cody: www.codybjugan.com Cody Bjugan on Instagram Cody Bjugan on Facebook Cody Bjugan on YouTube Cody Bjugan on LinkedIn Cody Bjugan on Twitter Cody Bjugan on TikTok   Connect with VestRight: www.vestright.com VestRight on Instagram VestRight on Facebook VestRight on YouTube VestRight on LinkedIn VestRight on TikTok   GET YOUR FREE LDP CALCULATOR HERE!   --- Connect with Nick Lamagna www.nicknicknick.com Podcast@NickNickNick.com Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers  

Once you have learned the fundamentals of Infinite Banking and decided to put it into action, one question tends to surface almost immediately: What is the best whole life insurance company for Infinite Banking? It is a good question. The carrier you choose forms a long-term relationship, one that stays in place for the rest of your life if you keep the policy in force. https://youtu.be/QzNg3h_7tcI So let's be upfront: this article will not hand you a ranked list of the best dividend paying whole life insurance companies by name. Public comparisons between named carriers are riddled with the bias of whoever is doing the comparing, and ranking companies without knowing what you are trying to accomplish is the wrong way to do it. What you will get instead is more durable than any ranked list: the criteria to evaluate any carrier with confidence, on your own terms. Table of ContentsWhy the Whole Life Insurance Company You Choose Matters for Infinite BankingHow to Choose a Whole Life Insurance Company: The Criteria That Actually MatterCriterion 1: It Must Be a Mutual CompanyCriterion 2: Dividend History, Not Today's Dividend RateCriterion 3: Financial Strength Ratings, Used CorrectlyCriterion 4: Ease of Doing Business and Alignment With Infinite BankingThe Right Way to Compare Whole Life Insurance CompaniesWhy Working With an Infinite Banking Practitioner Changes the DecisionChoosing the Right Company Is About Fit, Not RankingsFrequently Asked QuestionsHow do I choose the best whole life insurance company for Infinite Banking?What makes a whole life insurance company good for cash value?Why doesn't The Money Advantage rank specific whole life insurance companies?Does the company have to be a mutual company?Is a mutual holding company a bad sign?Should I pick the company with the highest dividend rate?How important are financial ratings when choosing a carrier?What is the right way to compare whole life insurance companies?Does the company matter more than my own behavior? Key takeaways: This is a decades-long relationship, not a one-time purchase Look past surface numbers like illustration projections and ratings alone Four criteria matter most: mutual structure, dividend history, ratings used correctly, and ease of doing business, plus alignment Compare carriers by stress testing them, not racing their illustrations A knowledgeable practitioner adds real value on top of these criteria Why the Whole Life Insurance Company You Choose Matters for Infinite Banking With term insurance, the company mainly needs to be solvent enough to pay a claim someday. Whole life insurance built for Infinite Banking is different. You are storing capital and using the cash value throughout your life. The death benefit may not be paid for decades. If the insured survives to the policy's contractual maturity age (often age 120 or 121), the policy endows, and the value is paid to the owner. That makes this one of the most consequential financial choices you will make. It is easy to judge a company by what is easiest to see: a bigger illustration number, a higher rating than the next carrier on the list. But those numbers are effects, not causes. They are the visible result of internal factors most people never think to check. It is a bit like judging character by appearance. You are only seeing half the picture. What actually matters is whether a company can weather economic cycles and stretches of low interest rates across the entire span of your policy, not whether it looks strong today or even over the next ten years. One more thing worth sitting with: among solid, well-established mutual carriers, the differences that matter to your outcome are often smaller than people assume. Your own behavior, how consistently you fund the policy, and how you use it, tends to shape your results more than which specific company issued the contract. How to Choose a Whole Life Insurance Company: The Criteria That Actually Matter Here is how to evaluate the internal qualities that drive long-term performance. Criterion 1: It Must Be a Mutual Company This filter is non-negotiable. A mutual company, or a mutual holding company, is owned by its policyholders. When it performs well, profits are distributed back through dividends. A stock company works differently: its primary beneficiaries are stockholders, and sharing in that upside would mean owning the stock itself, not just holding a policy. For Infinite Banking, you want to be an owner. Dividends grow your cash value beyond the guaranteed rate and fund paid-up additions, which pushes the death benefit further ahead of the cash value. Because the two are designed to meet around age 120 or 121, dividends are built to compound larger over time. Do not let the word "holding" throw you off. The nuance between a mutual company and a mutual holding company matters less than you would think. What is worth knowing here is why a mutual converts in the first place. It is usually about raising capital, sometimes under regulatory pressure, but often simply to fund better systems through a merger. The better question is not whether a company converted, but why. Criterion 2: Dividend History, Not Today's Dividend Rate Resist comparing two illustrations and picking whichever shows the higher declared rate. Rates shift year to year, and the same stated rate does not mean the same thing at two companies, since how a dividend is credited to your policy is proprietary information that varies by carrier. What deserves your attention is the track record. Has the company paid dividends with discipline through the Great Recession and other hard times? The large, established mutuals in this space have paid dividends for well over 125 years, and many have never missed a payment. Resist chasing whichever company posted the single highest dividend in its history, too. A one-year spike can be propped up by other business lines entirely unrelated to your policy. What you want is stability: a company that avoids wild swings in either direction, a sign of disciplined management built to sustain performance long term. A quick aside on bonds, since this trips people up. When interest rates rise, the market value of existing long-dated bonds falls. That is real, but only if those bonds are sold. A well-run insurer simply keeps collecting the yield and lets them mature at par. Insurers manage across a hundred-year horizon, not daily headlines, which is exactly the consistency you are trying to identify. Criterion 3: Financial Strength Ratings, Used Correctly Agencies like AM Best, Fitch, and Moody's, along with composite scores like Comdex, offer an objective read on financial strength. As a rule of thumb, look for carriers in the top ten of these systems, ideally the top five. Do not stop at the letter grade. Look at the trajectory. Is the company's capital-to-asset ratio strong and improving? That signals its ability to weather economic turmoil across the full life of your policy, not just hold up well in calm markets. Criterion 4: Ease of Doing Business and Alignment With Infinite Banking This is the most overlooked criterion. A carrier can have excellent ratings and an attractive illustration and still be difficult to work with. Every insurer must allow policy loans by law, but not every insurer makes that process easy. A company with more of an accumulation mindset may be slower to process loans, harder to reach, or saddled with a clunky portal. Some carriers publish service metrics, like the percentage of calls answered within a set time, and those are worth checking. Alongside ease of doing business sits philosophical alignment. Does this carrier actively support the Infinite Banking community, or merely tolerate it? Carriers vary a lot on paid-up additions flexibility: how much you can skip in a given year, and how much you can catch up later if life gets in the way. That flexibility is worth understanding before you commit to a design. The Right Way to Compare Whole Life Insurance Companies It is tempting to pull up two illustrations and pick whichever shows the bigger number. Resist it, since chasing the higher dividend rate this way tends to mislead more than it helps. The one certainty about any illustration is that it will end up being wrong. The non-guaranteed portion extrapolates today's dividend rate forward as if it will never change. It will change. The guaranteed portion shows what would happen with zero dividends ever paid, which is not realistic for a carrier with a century-plus history of paying them. Neither column is where you will actually land. A better approach is to stress test the policy instead. What happens if dividends drop for a few years? If you miss a premium? If you skip paid-up additions for two or three years and then resume? These "life happens" questions reveal more about how a policy will perform for you than any projected number ever could, and notice how much of this still comes back to your own behavior. Why Working With an Infinite Banking Practitioner Changes the Decision Everything above is something you can evaluate on your own. That is the point. But there is real value in working alongside someone who knows this terrain well. A knowledgeable practitioner typically works with a modest number of carriers, often four to six, understanding a handful deeply rather than spreading thin. That depth matters because the nuances between carriers are hard to master at scale. A good practitioner also tends to have real relationships within these companies, which can occasionally open doors that would otherwise stay closed. The goal is not just picking a company. It is matching the right company, policy design, and professional guidance to your situation. Choosing the Right Company Is About Fit, Not Rankings ...

It's time for another Euro Trip and resume our story of the 2008 Financial Crisis and the subsequent Great Recession. Austerity Bites as we visit Greece, Germany, Ireland, Spain, Portugal, Italy, Iceland and the UK to see what the heck is going on across the bloody bond in the economies of Europe. Have you ever looked at monetary policy of the Euro and thought “It's all Greek to me!” well then this episode is for you as your Shuffle hosts simplify as much as possible the inner workings of a 17 state shared currency system. ⁠Give Remember Shuffle a follow on Twitter⁠⁠⁠⁠⁠⁠⁠ And on Instagram⁠⁠⁠⁠⁠⁠ ⁠@RememberShufflePod⁠⁠⁠⁠⁠⁠⁠ to interact with the show between episodes. It also makes it easier to book guests.  Bibliography:Crashed: Adam ToozeBoomerang: Michael LewisThe Adults in the Room: Yanis Varoufakis'Joseph Stiglitz: The Euro

This is a free preview of a paid episode. To hear more, visit andrewsullivan.substack.comRoss is a journalist and novelist. He's the editor-in-chief of The Metropolitan Review, and a columnist for the Nation and UnHerd. He's the author of six books, including his new novel, Colossus. A new non-fiction book, about the rise of Zohran Mamdani, is coming soon. Find much more of his writing on his substack, “Political Currents.”For two clips of the episode — on whether the DSA is truly dangerous, and the US elites' obsession with Israel — head to our YouTube page.Other topics: growing up Jewish in diverse Bay Ridge, BK; parents both federal workers; his dad working at the WTC on 9/11; Ross' cynicism over Obama's rise; coming of age in the Great Recession; the DNC screwing over Bernie in ‘16; Ross running for the state senate with Mamdani as his manager; identifying as “left-populist, woke-skeptical”; engaging and persuading ideological rivals; universal health care; questioning Covid policies; US aid to Israel; the horrors of Oct 7; the war in Gaza and the civilian toll; no pro-Palestine speakers at the ‘24 Dem convention; the decentralized DSA; calls to abolish prisons and the Senate; Jon Chait; AOC's move to the center; border security; Trump's norm-busting; Buckley and the Birchers; trans athletes; the + in LGBTQ+; corporations ditching DEI; the Arday scandal; The Odyssey; Jon Ossoff; the surprising surge of El-Sayed; and debating whether wokeness is dead.Browse the Dishcast archive for an episode you might enjoy. Coming up: John O'Sullivan on conservatism, Emily Eakin on postmodernism, Azam Ahmed on terrifying new drugs, and Arianna Huffington on anything but politics. Please send any guest recs, dissents, and other comments to dish@andrewsullivan.com.

Henry Richardson, a former national champion diver, has built a career centered around health, wellbeing, and community. After earning his MBA at Rice Business, Henry founded the fitness studio chain, DEFINE body & mind, a nod to a professor's words about defining your role in this world.  Henry's work with DEFINE has since evolved into Define Living, apartment communities with health and wellbeing at their core. In this episode of Owl Have You Know, hosted by Brian Jackson ‘21, Henry shares his journey from all-star athlete to entrepreneur, how he's creating environments that shape behavior and improve wellbeing, and why he believes business, at its best, is a spiritual practice.Episode Guide:00:00 Meet Henry Richardson00:55 Life in Tepoztlán02:40 From Diving to Teaching05:33 Yoga Turning Point09:19 Choosing Rice MBA10:39 The Moment That Sparked DEFINE14:29 Environment Shapes Behavior16:34 Define Living Community Model22:10 Leadership in Real Estate25:14 Positive Psychology Proof27:26 Feronia Retreat Vision31:56 Business As A Spiritual Practice35:46 Advice for Disconnection38:10 Defining His Role TodayThe Owl Have You Know Podcast is a production of Rice Business and is produced by University FM.Episode Quotes:The lightbulb moment Henry knew he had to build something of his own[11:34]  I was in business school 2007 through 2009, and that was literally the time of the Great Recession. And so my first semester of my second year was when everything just essentially was bleak. I remember one of my professors, he said, "Look, last year 75% of students at this point had job offers, and this year only 25%. So it's a complete flip, right? And so things aren't as hopeful as they perhaps were over a year ago.”  And he said the phrase you just mentioned. He said, "Listen, don't take a job just because it's available. Take something that's going to define your role in this world." And I just, like, stopped in my foot track, like, this may not be exactly what I do, but if I do, if I open up a studio, a fitness studio, I'm calling it Define.That's exactly the thing I needed. And I actually have to admit, I cut my next class, which I am not one prone to do. I feel like I'm a good student, right? But I cut my next class, and I filed my DBA for Define in Harris County. On why Henry sees business as a spiritual practice, not just a hustle [32:12] Business is actually a very spiritual process. It is discipline. It's devotion. It is connecting to something that's bigger than yourself so that you can be better than just the individual self that you are. And I think business is very much like that. I feel like if you are working in an industry that you're passionate about, that you want to contribute to, it can be something that can be utilized for the good of humanity. You know, doing well by doing good, that whole mindset. His calculated approach to big leaps like taking the plunge at Rice Business School [13:17] I'm creative, and I'm adventurous for sure. I mean, I used to dive from a 10-meter platform. But I'm not just, like, blindly foolish in anything I do. I'm pretty calculated in terms of the approach that I take to most things. Like in diving, you start on the one meter, and then you go to the three, and then you go to the five, and then you go to the seven, and then you go to the ten. And so there's these steps that take you along this path, and the exact same thing happened with me at business school. And it was so powerful because Rice was the quote-unquote "platform" for me to dive and jump into my business, and it gave me the path and the training to feel confident.Show Links: Define LivingFeronia | Retreat and Event VenueBreathing Life Back in Business, Henry Richardson | TEDxTranscriptGuest Profile:Henry Richardson | LinkedInHenry Richardson | Rice Business

This episode of Let's Talk Housing explores why the housing market is cooling as summer progresses, but remains far from a crash. Steven Thomas of Reports On Housing breaks down the economic reports that matter most, including inflation, jobs, and Federal Reserve policy. The discussion also examines the difference between sluggish and collapsing demand, the three ingredients required for a housing crash, and why today's market conditions look very different from those of the Great Recession. This data-driven episode provides important context for understanding current housing trends.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction00:37-What Happens in August04:40-Economic Reports That Matter06:07-Inflation and the Fed10:13-Cooling vs Crashing Housing Market13:53-The Three Crash Ingredients16:38-Housing Crash Headlines Explained20:12-Why the Data Says Otherwise20:50-Conclusion

Why haven't Michigan home prices crashed yet? In this video, I compare today's Michigan housing market with the 2008 housing crash and reveal the hidden number affecting many home sales: seller concessions.Using Metro Detroit MLS data, we'll look at what caused home prices to collapse during the Great Recession, why today's inventory and lending conditions are dramatically different, and how sellers are quietly adjusting without always reducing the recorded sale price.According to the national Redfin data discussed in this video, nearly half of recent home sellers provided buyers with some form of concession. That may include money toward closing costs, mortgage-rate buydowns, repairs or other credits. These incentives typically do not appear in the publicly reported sale price, which means the number you see online may not tell the entire story.

How much of your financial life have you never said out loud to another person, and what is that silence actually costing you?Sam sits down with Dr. Megan McCoy, the first Certified Financial Therapist and Acting Chair of the Personal Financial Planning program at Kansas State University. Megan knew she wanted to be a therapist as a kid. She was midway through a doctorate in family therapy when the Great Recession hit, and her faculty started cross-training marriage and family therapists alongside financial planning students. Sitting next to a financial planner while treating clients changed her practice permanently, and she never stopped taking the finance coursework. She now runs the financial planning program at K-State, co-edits the Financial Planning Review, and researches the intersection most financial plans ignore entirely: money and well-being.In this conversation:What a financial therapist actually is, and how the discipline came out of the Great RecessionWhy the emotional case for a paid-off mortgage can beat the math on paperThe shame that followed 2008, and why self-forgiveness is a financial stepHow retirement takes your identity along with your title, and who it hits hardestWhy your ten-year dream stays vague, and the questions that force it into focusThe quarterly lottery ticket date she runs with her husbandThe $20 experiment proving giving beats spending, even when people are forced into itWhy 70% of people have not talked to a living soul about money in a yearFinancial infidelity, and why it damages a marriage close to the level of actual infidelityThe prenup reframe that takes money off the table instead of putting it onWhy charitable giving is one of the biggest fights couples have about moneyHow spenders and savers slowly push each other to opposite extremesThe money story parents pass to their kids without ever saying it out loudMaking a 12-year-old earn a $400 bat, and where enabling actually comes fromWhether college still makes sense, and the two-plus-two path she recommendsTopics covered: financial therapy, money psychology, behavioral finance, money and marriage, financial infidelity, joint accounts, prenuptial agreements, divorce planning, spending and happiness, charitable giving, financial socialization, raising kids with wealth, enabling adult children, retirement identity, college ROI, one income households, wealth psychologyGuest: Megan McCoy, Ph.D., Acting Chair of Personal Financial Planning, Kansas State University | https://www.linkedin.com/in/megan-mccoy-phdNewsletter: https://www.mechanicsofmoney.coWebsite: https://silvermancapital.comSubscribe for weekly conversations on private markets, alternative investments, and the mechanics behind building real wealth.#financialtherapy #moneyandmarriage #wealthpsychology #behavioralfinance #financialinfidelity #moneymindset #raisingwealthykids #privatemarkets #personalfinance #mechanicsofmoney

Katy, Rachel, and Haley welcome Oregon-based dark fantasy and Gothic author Justin Michael Greenway to the circle. After the devastation of the Great Recession stripped away his financial prosperity, Justin returned to his childhood home of Portland. It was during those heavy, uncertain years of struggle and unemployment that he chose to fulfill a lifelong dream—transforming his hardships into the pages of his debut novel, Ravenword and The House of the Red Death. Join us around the fire as we talk with Justin about: The Healing Power of the Dark Woods: How the atmospheric landscape of the Pacific Northwest inspired a journey from financial ruin to literary creation. Testing the Waters: The raw reality of self-publishing Ravenword on Amazon's CreateSpace as a new author, and the invaluable feedback that shaped his craft. The Journey Forward: Justin's travels to network with industry professionals, his work on two brand-new secret projects, and his current mission to bring Ravenword to an even wider global audience.Pour a warm mug of tea, draw your chair closer to the flames, and join the conversation. Sometimes, the path through the ruins leads exactly where you were always meant to go.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

#737: Beth Kobliner has covered personal finance for people in their 20s and 30s for over three decades — and she says this is the hardest she's ever seen it. One in four young people now believe that betting on gambling sites and prediction markets counts as investing. Beth Kobliner is a personal finance journalist and New York Times bestselling author of Get a Financial Life, who served on President Obama's Advisory Council on Financial Capability for Young Americans. In this episode, we discuss: Why unemployment for college grads is now worse than the general population Why the average first-time homebuyer is now 40 instead of 28 How tap-to-pay and neobank apps quietly drive up spending without you noticing Why so many young people believe gambling sites count as investing — and what the real odds say Whether AI is making it harder or easier for young workers to break in Why index funds still beat both active management and a lucky bet, long-term Whether college is still worth the cost in today's job market Whether you're just starting out or already feel behind, this episode makes the case for the boring, unglamorous plan over the tempting quick one — and explains why that plan still works. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (00:39) Why today's 20- and 30-somethings have it harder than any generation Beth's covered (03:04) The consumer sentiment reading that's worse than the pandemic and the Great Recession (05:14) Why record-low unemployment doesn't mean what you think for new grads (10:23) Why the median first-time homebuyer is now pushing 40 (13:36) The real reason behind the boom in crypto, sports betting, and meme stocks (15:52) The "giving up" factor economists say is driving risky bets (17:15) Why a tiny sliver of prediction-market bettors take home most of the winnings (23:26) Is the "avocado toast" spending story about young people even true? (43:44) How tapping your phone quietly makes you spend more than a credit card (01:04:13) Why financial optimism is rising in countries poorer than the U.S.

Two U.S. banks are already gone in 2026 — Metropolitan Capital Bank in Chicago and Community Bank & Trust in Georgia — and federal regulators are not calling these isolated incidents. The Office of the Comptroller of the Currency and the Federal Reserve are both issuing stark warnings about rising credit stress across the financial system, and they're pointing at the same pressure point: commercial real estate loans coming due in a high-rate environment with no viable exit.The mechanism is straightforward once you see it. Commercial real estate doesn't run on 30-year mortgages. Buildings purchased between 2016 and 2019 at low rates are now hitting refinance windows with offices running half empty and interest rates nowhere near where they need to be. When the math doesn't pencil out, the loan goes bad. When enough loans go bad, the bank follows. Sean walks through how Metropolitan Capital was unwound through a Detroit acquirer and how the LaGrange failure tracked the same pattern — and why regulators are no longer willing to call them coincidences.Downtown cores hollowed out by remote work are the kindling. Seattle is running 40% office vacancy. The cap rates don't support the debt. The two bank failures we've seen are early signals, not outliers — and this is the same opening chapter the S&L crisis and the Great Recession both started with before everyone decided it was a big deal. The closures are going to cluster.Subscribe to @reasonablenews and hit the notification bell — Sean will be tracking this as it develops, and you'll want to be ahead of it when the next one drops.#SanAntonio #MinimumWage #TexasPoliticsGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

One of Oakland's most recognizable towers just defaulted on a $97.1 million loan — and its market value has collapsed by 75%. One Kaiser Plaza, the Ordway building that serves as Kaiser Permanente's national headquarters, missed its mortgage maturity date on July 1st. The lender is now seizing rents, the owners are in technical default, and the story is public because a Form 8-K doesn't lie. When a publicly traded company can't hide the math, the math tells the whole story.This isn't a market anomaly — it's a policy outcome. Kaiser's own internal memos warned employees to stay inside during lunch because of street crime. Now Kaiser is shrinking its California footprint, downtown Oakland foot traffic has evaporated, and a marquee office tower that once anchored the city's skyline is sitting in its lender's lap. A 75% markdown on a flagship property isn't a blip. That's a verdict.The commercial real estate reckoning playing out in Oakland echoes the worst of the Great Recession — except this time the damage is entirely self-inflicted. Cities that tolerated disorder, chased out employers, and treated crime as a housing problem are now watching their tax base get marked down in real time. Oakland isn't just losing a tower. It's losing the argument that progressive urban policy is survivable at scale.CHAPTERS0:00 Downtown Gut Punch: Oakland Kaiser…0:55 Kaiser Tower Takes 75% Value Hit1:32 One Kaiser Plaza Enters Loan Default2:16 Kaiser's Exit Hollows Downtown Oakland3:16 Commercial Real Estate Squeezes Local…3:55 The Refinance Math That Broke the Deal5:45 Commercial Resets Mirror the Great…7:41 75% Markdown Leaves No Equity Cushion8:16 Oakland Crime Forces Kaiser's Lunch Memo10:07 Kaiser Moves Workers Out of Downtown10:50 Oakland Crime Drives Kaiser's Pullout11:58 What Comes Next for Kaiser Tower12:42 Major Employers Abandoning Oakland and…14:06 Oakland's Crime Optics Drive Tenants…16:32 Subscribe for the Next EpisodeSubscribe to @reasonablenews and hit the notification bell so you don't miss the next episode of News for Reasonable People.#NFRP #Oakland #KaiserTowerGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

Connect With ChazScott Arias built ACE Consulting into an eight-figure commercial construction consulting company with 223 employees, over 3,000 client companies, and what he claims is a 100 percent A-player team. He overcame a devastating motorcycle accident and prescription drug addiction to do it. And he has done it by building something most contractors never build: a system for identifying, hiring, and leading people across three completely different generations simultaneously.In this conversation with Chaz Wolfe, Scott breaks down why generations are defined by historical events, not arbitrary birth year ranges, what each generation actually needs to perform at the highest level, the specific interview questions he uses to filter for A players, and why the biggest mistake most Gen X and Boomer leaders make is assuming their generation had it right.People problems are the number one drain on every contractor doing $1M+. This episode is the framework for fixing that.Key Takeaways:People issues consume more time and resources than any other problem in a small business. Every contractor owner already knows this. Scott built an entire company to solve it for his clients.Generations are not defined by birth year ranges. They are defined by the significant historical events that shaped their formative years. Gen X was shaped by the "me generation" of the 80s. Millennials were shaped by 9/11 and a world that demanded teamwork. Gen Z was shaped by the Great Recession and COVID.Gen X lived to work. Millennials and Gen Z work to live. Neither is wrong. They are a product of the world they grew up in. The leader who understands this stops fighting it and starts leading more effectively.Gen X values individual performance. Millennials value the team winning. Gen Z is individual-performance focused but motivated by team identity. Know which one you are leading and adjust your approach.No generation respects another naturally. Every generation thinks their way is the right way. The leader's job is to bridge the gap, not pick a side.Technology is not a generational preference. It is the reality. If your younger staff would rather text than call, that is not laziness. It is how they process information. Adapt your systems to meet them where they are.To get A players you have to know what an A player is, be able to identify one in an interview, and be willing to pass on everyone who is not one. Most hiring managers settle because they are behind on a project. That is how B players get in.Scott's interview questions are built to reveal character, not competence. Competence can be trained. Character cannot.The best thing a Gen X leader can do is acknowledge that the millennial or Gen Z approach might actually be better in some areas. That acknowledgment earns trust faster than any perks or pay.Silence is a leadership tool. Scott calls it a crucial function of leadership. The ability to sit with discomfort in a conversation rather than filling it with noise is one of the rarest skills in any generation.If you are a contractor business owner doing $1M+ and you feel stuck in the day-to-day, we built GTK for you.Through peer mastermind and 1:1 coaching, we help you:increase profitinstall real systemsbuild a team that runs the businessget your time backVisit www.gatheringthekings.com for information on how to apply.Connect with Chaz Wolfe (Host):WebsiteFacebookInstagramLinkedInYouTube Profit Starts with Better Books!Clean books. Clear reports. Monthly bookkeeping built by business owners, for business owners.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showLike what you heard? Share this episode with a friend and leave us a review on Apple Podcasts or Spotify! Join the conversation by visiting GatheringTheKings.com and apply to connect with other high-performing entrepreneurs and their families.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3643: Andy Hill reflects on five costly financial mistakes, from buying a house beyond his means to trusting the wrong investment advice, and explains how each one reshaped his approach to money. His experiences show how patience, financial education, and simple long-term decisions can help you avoid expensive setbacks and build lasting wealth. Read along with the original article(s) here: https://marriagekidsandmoney.com/5-major-money-mistakes-ive-made-and-how-you-can-avoid-them Quotes to ponder: "I leased the four rings when I could only afford one!" "I should have known not to put any money in the stock market or bond market if I want it back in less than 5 years." "I like to keep things simple, have patience and realize that good things come with time and education." Episode references: LIBOR: https://www.investopedia.com/terms/l/libor.asp Home Equity Line of Credit (HELOC): https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-287/ The Great Recession: https://www.federalreservehistory.org/essays/great-recession-of-200709 Roth IRA: https://www.irs.gov/retirement-plans/roth-iras Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3643: Andy Hill reflects on five costly financial mistakes, from buying a house beyond his means to trusting the wrong investment advice, and explains how each one reshaped his approach to money. His experiences show how patience, financial education, and simple long-term decisions can help you avoid expensive setbacks and build lasting wealth. Read along with the original article(s) here: https://marriagekidsandmoney.com/5-major-money-mistakes-ive-made-and-how-you-can-avoid-them Quotes to ponder: "I leased the four rings when I could only afford one!" "I should have known not to put any money in the stock market or bond market if I want it back in less than 5 years." "I like to keep things simple, have patience and realize that good things come with time and education." Episode references: LIBOR: https://www.investopedia.com/terms/l/libor.asp Home Equity Line of Credit (HELOC): https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-287/ The Great Recession: https://www.federalreservehistory.org/essays/great-recession-of-200709 Roth IRA: https://www.irs.gov/retirement-plans/roth-iras Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3643: Andy Hill reflects on five costly financial mistakes, from buying a house beyond his means to trusting the wrong investment advice, and explains how each one reshaped his approach to money. His experiences show how patience, financial education, and simple long-term decisions can help you avoid expensive setbacks and build lasting wealth. Read along with the original article(s) here: https://marriagekidsandmoney.com/5-major-money-mistakes-ive-made-and-how-you-can-avoid-them Quotes to ponder: "I leased the four rings when I could only afford one!" "I should have known not to put any money in the stock market or bond market if I want it back in less than 5 years." "I like to keep things simple, have patience and realize that good things come with time and education." Episode references: LIBOR: https://www.investopedia.com/terms/l/libor.asp Home Equity Line of Credit (HELOC): https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-287/ The Great Recession: https://www.federalreservehistory.org/essays/great-recession-of-200709 Roth IRA: https://www.irs.gov/retirement-plans/roth-iras Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailSend us Fan MailIn this dynamic episode of Living the Dream with Curveball, we sit down with Chris Hallberg, affectionately known as the Business Sergeant. Chris is a renowned leadership expert and business strategist who has transformed organizations through his practical, no-nonsense approach to leadership and culture. With a wealth of experience guiding over 100 leadership teams, he shares his insights on building high-performing cultures and the unique strengths veterans bring to the business world.Chris recounts his journey from a military career as a National Guard military police sergeant to becoming a successful entrepreneur who built an award-winning energy-efficient remodeling company during the Great Recession. He emphasizes the importance of accountability, clear communication, and the necessity of having the right people in the right roles to foster organizational success.Listeners will learn about:- The common blind spots that hold leaders back from greatness- Strategies for creating a culture that employees genuinely want to be a part of- How to increase employee engagement without a budget increase- The hidden value of hiring veterans and the leadership skills they possess- Insights into Chris's upcoming projects, including the innovative Go Expand software and his veteran-powered recruiting initiativeJoin us for an insightful conversation that challenges conventional leadership wisdom and inspires you to elevate your organizational practices. For more information on Chris Hallberg and his work, visit businesssargent.com and connect with him on LinkedIn for ongoing updates and resources.Support the show

The yield on a 30-year Treasury bond has been hovering above 5% for a couple weeks — the longest stretch since the Great Recession. One reason is Treasury bonds are competing with Big Tech debt. We'll explain, with help from one reporter's shady gym membership deal. Also in this episode: AT&T attributes strong earnings to service bundles, a customs broker updates us on shipping logistics amid tariff changes, and Kai explains why Fed economists want to keep inflation expectations "anchored."Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:30-year Treasury yields stick above 5%China's consumer economy is losing steamAT&T's service bundles make for an earnings boonInside the "tariff whirlpool" with a brokerage managerWhat “anchored inflation expectations” mean for the Fed

The yield on a 30-year Treasury bond has been hovering above 5% for a couple weeks — the longest stretch since the Great Recession. One reason is Treasury bonds are competing with Big Tech debt. We'll explain, with help from one reporter's shady gym membership deal. Also in this episode: AT&T attributes strong earnings to service bundles, a customs broker updates us on shipping logistics amid tariff changes, and Kai explains why Fed economists want to keep inflation expectations "anchored."Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Read the stories in today's episode:30-year Treasury yields stick above 5%China's consumer economy is losing steamAT&T's service bundles make for an earnings boonInside the "tariff whirlpool" with a brokerage managerWhat “anchored inflation expectations” mean for the Fed

Title: How to Beat the #1 Agent in Your Area Every Time Host: Michael J. Maher Guest: Christina Ward Description: What does it take to build a real estate business that consistently closes approximately 100 transactions a year through relationships and referrals? In this episode of the Referrals Podcast, Michael J. Maher sits down with Christina Ward, a top-producing real estate broker and leader of Christina & Company at Keller Williams Realty Boise. Christina shares how she entered real estate at just 22 years old, built her business during the Great Recession, and used coaching, consistency, and a willingness to follow proven systems to create long-term success. She explains how her team stays connected to a database of nearly 7,000 people through weekly emails, meaningful community content, client success stories, and three major annual events. You'll also hear how Christina's systems help her team deliver a consistent client experience while still allowing them to go above and beyond when a client needs extra support. Christina shares powerful stories of generosity, including her team's annual home makeover and the life-changing support they provided to a homeless high school wrestler pursuing a college scholarship. This conversation is a reminder that becoming the most referred professional in your community is not about doing everything at once. It begins with choosing one meaningful strategy, implementing it consistently, and building a business rooted in authenticity, trust, service, and generosity. (7L) Referral Strategies: * Communication Plan * Events * Success Stories * DISC * Support causes that bring purpose to your team   Special Offer: Ready to build a business based on relationships, referrals, and generosity? Learn the proven strategies from Michael J. Maher's bestselling book, *The Seven Levels of Communication*, and discover how to become the most referred professional in your community at ReferralMasteryAcademy.com.

How do you build a resilient, scaling business when the rules of the market are constantly changing? In this episode of Behind The Numbers, host Dave Bookbinder sits down with Cass Bailey, founder and CEO of Slice Communications, to unpack the realities of modern entrepreneurship, leadership evolution, and the art of strategic communication. Cass shares her unconventional journey to launching Slice during the Great Recession, the hard-won lessons from selling and later reacquiring her company, and how her leadership style has adapted alongside her business's growth. Inside this episode, you'll discover: Earning Attention: What it actually takes to stand out in today's oversaturated marketplace. The ROI of Storytelling: Why authentic leadership and internal alignment are critical for connecting with employees, customers, and stakeholders. AI with a Human Touch: How Slice Communications leverages artificial intelligence to supercharge research and planning while keeping human creativity at the center. CEO Schooling: The executive education programs, frameworks, and advisory networks that shaped Cass's growth. A Quick-Win Tool: A simple, powerful listening technique that any leader can put into practice today. Whether you're an established business owner, an aspiring entrepreneur, or a team leader, this conversation is packed with actionable strategies to help you scale your company, sharpen your communication, and future-proof your organization. About Our Guest: Cassandra (Cass) M. Bailey is the CEO of Slice Communications, founder and current Chairwoman of Social Media Day, Inc., creator of the My Mom Is… children's book series and has been working in marketing communications for more than 20 years. She believes that integrated public relations, social media, and email marketing efforts are critical for growing businesses and non-profits looking to accomplish their goals. Cass has appeared on Good Morning America, CBS This Morning, and The Today Show and has written for, or been quoted in, Forbes, Philadelphia Magazine, Black Enterprise Magazine, TheNextWeb, and a number of other publications. Cass has also been named as a “Rising Star” by the Women's Business Enterprise National Council (WBENC) and received the “Brava” award from Philadelphia Smart CEO. About the Host: Dave Bookbinder is known as a trusted provider for independent business valuations, corporate asset appraisals, and exit planning advisory and he is the person that business owners and their advisors reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.  Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.  He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.” Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.

【欢迎订阅】 每天早上5:30，准时更新。 【阅读原文】 标题：The hottest college major hit a wall. What happened?Computer science has been a top pick for 15 years. Enrollment data suddenly shows a big drop.正文：A lot of students took the advice to learn to code. Since the Great Recession left technology as a rare spot of optimism in American industry, computer science has been among the fastest-growing college majors in the country,according to indispensable degree data from the National Center for Education Statistics. From 2008 to 2024, the number of four-year computer science degrees granted rose about fivefold. That's more than double the pace of the next fastest-growing large majors: exercise science, nursing and mechanical engineering.知识点：code/kəʊd/（英） /koʊd/（美） 动词本义为 “编码；写代码”，教育就业语境核心义为 编程、编写程序，指掌握计算机程序开发的核心技能，是数字时代极具就业导向性的实用技能，常作为学生提升职业竞争力的学习方向（本文中指大量学生听从就业建议，将编程作为核心学习技能）核心搭配：learn to code、code literacy、code bootcamp、basic code skills・An increasing number of non-tech majors are starting to learn to code to expand their career boundaries.越来越多非理工科专业的学生开始学习编程，以此拓宽职业边界。・Career advisors often highlight that mastering code skills can significantly boost one's competitiveness in the job market.职业顾问常强调，掌握编程技能能大幅提升个人在就业市场的竞争力。【节目介绍】 《早安英文-每日外刊精读》，带你精读最新外刊，了解国际最热事件：分析语法结构，拆解长难句，最接地气的翻译，还有重点词汇讲解。 所有选题均来自于《经济学人》《纽约时报》《华尔街日报》《华盛顿邮报》《大西洋月刊》《科学杂志》《国家地理》等国际一线外刊。 【适合谁听】 1、关注时事热点新闻，想要学习最新最潮流英文表达的英文学习者 2、任何想通过地道英文提高听、说、读、写能力的英文学习者 3、想快速掌握表达，有出国学习和旅游计划的英语爱好者 4、参加各类英语考试的应试者（如大学英语四六级、托福雅思、考研等） 【你将获得】 1、超过1000篇外刊精读课程，拓展丰富语言表达和文化背景 2、逐词、逐句精确讲解，系统掌握英语词汇、听力、阅读和语法 3、每期内附学习笔记，包含全文注释、长难句解析、疑难语法点等，帮助扫除阅读障碍。

What happens when sharing the parts of your career that feel hardest to talk about helps create a community where others finally feel understood?  In this episode of our Golden Hoodie Winners series, we speak with Katie Villanueva, a Salesforce Administrator, community leader, mental health advocate, and 2023 Salesforce Golden Hoodie recipient. Katie shares how speaking openly about living with bipolar disorder and her experiences as a Salesforce professional led her to create a virtual community where people could talk openly about mental health, mental illness, work, and the pressures that often follow us throughout our careers.  Her willingness to start those conversations brought people together across the Salesforce ecosystem and led to her receiving a Golden Hoodie on the Dreamforce Admin Keynote stage.  Creating The Community She Wanted To See  Katie discovered the Trailblazer Community after starting her Salesforce career during the pandemic. She wanted to contribute and speak at community events, but lacked confidence in delivering technical presentations. Instead, she began sharing her personal experiences of bipolar disorder, mental health, and how the Salesforce community had helped her become a better professional.  The response showed that many people were looking for a place to have similar conversations. Katie took that community to Salesforce and asked to create a virtual user group dedicated to mental health and mental illness. The group now brings people together each month to share resources, have meaningful conversations, and build relationships with others who understand the pressures of working in technology while managing the rest of their lives.  From Call Center Employee To Salesforce Administrator  Katie's route into Salesforce was far from straightforward. She originally studied farming before graduating in communications and mass communications during the Great Recession. After struggling to find work, she moved through roles in mortgage refinancing, energy data analysis, and eventually a call center where she first encountered Salesforce.  Her next employer had a very different Salesforce setup. The company had no dedicated administrator, and Katie quickly recognized opportunities to improve how the platform was being managed. She wasn't enjoying sales, so she asked if she could become the Salesforce Administrator instead. That decision changed the direction of her career.  Katie learned on Trailhead and applied those lessons directly in a live Salesforce environment. The experience gave her the confidence and practical skills to continue building her career.  Why You Never Stop Being An Admin  One of Katie's biggest career realizations came from understanding that becoming an architect, developer, or taking another role doesn't mean leaving your Salesforce Admin skills behind.  As she puts it, "Admin's where we begin, but it never ends."  Those core skills continue to influence how professionals solve problems, understand business processes, manage technology, and support users throughout their careers.  Katie also shares what she is learning from working on a Salesforce team after spending much of her career managing environments independently, including the value of mentorship and learning from people in roles she previously held without knowing their official job titles.  Speaking Up For Underrepresented Communities  Our conversation also turns to representation within the Salesforce ecosystem. Katie discusses her work supporting Latino and Hispanic professionals in the United States and her desire to help people build stronger professional connections.  She explains why creating opportunities for people to meet, share experiences, and see others like them progress in technology can have a lasting impact on confidence and career development.  For Katie, community leadership means creating spaces where other voices can be heard and helping people find connections that may open doors throughout their careers.  Admitting You Have AI Imposter Syndrome  Despite receiving a Golden Hoodie and becoming a recognized Salesforce community leader, Katie openly admits she experiences imposter syndrome when it comes to AI and Agentforce.  She shares the pressure that can come with external recognition, especially when people assume that wearing a Golden Hoodie means knowing everything about Salesforce.  Katie's message is reassuring for anyone struggling to keep up with the pace of AI development.  Everyone is at a different stage of their learning journey.  She explains why Salesforce professionals don't need to abandon the skills they already have and how she stays informed about Agentforce. At the same time, her employer hasn't adopted it. Still, professionals can prepare themselves by following community conversations, attending workshops, completing Trailhead learning, and experimenting with the tools available to them.  Learning AI Without Trying To Learn Everything  Katie shares her practical approach to learning AI, beginning with Prompt Builder and understanding how better prompts can improve the results people receive from AI systems.  We discuss how she uses ChatGPT to understand Salesforce Flows, solve problems, support her work, and even help with everyday tasks outside her career. She also explains why professionals should treat AI as a starting point rather than accepting every answer it provides.  The conversation turns to the growing importance of testing AI systems, understanding the role of human oversight, and preparing for AI adoption by strengthening existing Salesforce skills.  Katie's advice is simple and reassuring: stay informed, experiment where you can, and focus your learning on the areas that matter to your career and the problems you're trying to solve.  About Mums On Cloud Nine  Mums on Cloud Nine is your go-to destination for inspiring content that empowers women to build a life and career they love.  Each week, we share expert advice, personal stories, and practical tips across a range of topics, from health and mindset to money and career growth.  Check out our website at www.mumsoncloudnine.co.uk and subscribe for weekly tips to elevate your mindset.  About Supermums  Founded by Heather Black, a Salesforce Golden Hoodie winner, Supermums helps relaunchers and seasoned Salesforce professionals accelerate their careers in tech through expert training, career coaching and recruitment support.  Whether someone is returning to work, pivoting into a new role, or ready to step up in the Salesforce ecosystem, Supermums provides practical training, mentoring and access to job opportunities to help them build confidence, sharpen their skills and progress faster.  Alongside its career development programmes, Supermums partners with employers to connect them with talented Salesforce professionals who are ready to make an impact. Find out more here https://supermums.org/podcast-intro   About our Sponsor, Hubbl Technologies  Hubbl gives Salesforce teams the clarity they need to move faster. By connecting technical metadata with real business processes, Hubbl reveals what is happening inside your Salesforce org — from security and access risks to process gaps, tech debt, and AI readiness. The result: less guesswork, faster audits, better documentation, and smarter decisions for teams who want to build, scale, and innovate with confidence  Find out more about https://qrco.de/bgY7zw 

When the Great Recession hit, Andy Gil lost his business. Suddenly, he was forced to start over. But the fear of losing everything again was the driving force behind what would come next. Andy got serious, raising his young kids in an 800-square-foot house, driving 10-year-old cars, and funneling every spare dollar into savings so he could start buying rental properties. These were the types of sacrifices the average investor probably wouldn't make, but they became the catalyst for scaling to 58 rental units in just four years! What's more, Andy has never had the benefit of 3% mortgage rates. He got into real estate investing at the tail end of 2022, meaning he's been able to grow his large, cash-flowing real estate portfolio in a tough housing market with high interest rates—all while using very little of his own money. Today, he manages his own rentals and other people's properties, deploying a unique investing strategy that has even helped him acquire a 30-unit property. In this episode, he's sharing exactly what that strategy is (and how YOU can implement it), what he's learned in over 20 years of contracting experience, and how to use AI to gain an edge in today's market. In This Episode We Cover Andy's journey from losing his business to buying 58 rental units in four years The massive sacrifices Andy and his family have had to make to invest in real estate How to accelerate your investing journey by living within your means The secrets to managing a large rental portfolio (on your own!) How Andy uses artificial intelligence (AI) throughout his real estate business Why persistence is the key to finding great real estate deals in 2026 And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1303. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does a 65-year friendship with President Donald Trump reveal about the man behind the headlines—and what happens when an attorney who has spent more than five decades taking on powerful institutions turns his attention to some of the most controversial legal battles in America? Attorney Peter Ticktin, founder and Senior Managing Partner of The Ticktin Law Group, joins Michael Jaco for a wide-ranging conversation about his lifelong friendship with President Trump, the American justice system, election integrity, Tina Peters, January 6 defendants, due process, and why he continues to take on cases others won't touch. Peter shares stories from his years with Donald Trump at the New York Military Academy and offers his personal perspective on the character, loyalty, leadership, and determination of the man he has known for more than six decades. The conversation also examines Peter's extraordinary legal career—from challenging established legal systems and helping expose the robo-signing scandal during the Great Recession to representing clients in complex, politically charged cases. Michael and Peter discuss Tina Peters and the ongoing legal battles surrounding election records and election integrity, Peter's work seeking justice for members of the J6 community, concerns about constitutional rights and due process, and why defending the rule of law matters regardless of political pressure or public opinion. Peter also discusses the cases of individuals such as Bitcoin pioneer Joby Weeks, his concerns about prolonged detention and the right to bail and a speedy trial, and why he believes attorneys must have the courage to stand up for people when the government, media, and powerful institutions have already decided the narrative. This is a conversation about President Trump, election integrity, political prosecutions, constitutional rights, government accountability, and one attorney's lifelong commitment to fighting for the underdog. ⚖️ Learn More About Peter Ticktin & The Ticktin Law Group: LegalBrains.com

Danielle DiMartino Booth praises the FOMC minutes as "clean" under new Fed Chair Kevin Warsh—no manipulation of data like Janet Yellen did in 2013—and notes Warsh has successfully convened consensus around "less is more" Fed communications with an unusually quiet media environment. The real bombshell is the July jobs data: the unemployment rate fell to 4.2% only because 720,000 Americans gave up looking for work in a single month, representing a 50-year low in labor force participation since 1976, while 49% of adults under 30 now live with their parents as affordability collapses and job insecurity rises. Danielle warns the official narrative of economic strength masks a deteriorating real economy: revolving credit declined (a sign lenders are tightening), consumer confidence shows jobs are hard to get, and vacation spending has crashed to Great Recession levels—yet mainstream media remains fixated on an inflation narrative unsupported by broad data. The biggest systemic risk is the "too big to fail" stock market: 51% of global assets now sit outside the regulated banking system, asset managers hold assets larger than major banks, and the government can't allow equity market collapse when 401(k)s are the only retirement plans left, implying inevitable Fed monetization and the "end of capitalism." Her source of hope: summer interns aged 18-28 who are hungry, hardworking, and reject the "too big to fail" mentality—representing a generation determined to work their way out rather than accept billionaire UBI schemes designed to maintain inequality.Thank you to our sponsors: Kalshi - download the Kalshi app and use code JULIA to get $10 when you trade $10. http://kalshi.com/r/JULIA Monetary Metals - learn more at https://www.monetary-metals.com/julia/Links: Danielle's Twitter/X: https://twitter.com/dimartinobooth Substack: https://dimartinobooth.substack.com/ YouTube: https://www.youtube.com/@DanielleDiMartinoBoothQIFed Up: https://www.amazon.com/Fed-Up-Insiders-Federal-Reserve/dp/0735211655Timestamps: 00:00 Intro and welcome back Danielle DiMartino Booth 00:40 FOMC minutes from June - Clean, Warsh didn't manipulate data1:30 Warsh convened consensus, less is more communications working2:57 Forward guidance removal, Fed less visible, refreshingly quiet3:20 Elizabeth Warren defends bloated 12 district banks, Waller calling it out4:38 Warsh has convened consensus around leadership position5:13 Warsh refuses forward guidance, hints at ending dot plot6:23 Inflation cooling seen but Iran hostilities change calculus6:59 No press conference if nothing to say - Hail Mary move7:25 Mervyn King taking communications, five task forces with outsiders8:49 Kalshi traders: 79% hold rates in July, 76% expect no cuts 20269:36 Labor force participation 50-year low since 197615:35 720,000 Americans gave up looking for work in one month16:05 Unemployment fell to 4.2% but for wrong reasons16:59 Full-time jobs destroyed, replaced by gig workers17:36 Labor market called stable but disconnect with data18:18 Jobs hard to get at highest level, Americans aware19:30 Revolving credit down, unusual sign of lender tightening20:20 49% of adults under 30 living with parents21:12 Five of 20 K-Shiller metro areas below 2000 price levels22:35 Young people disenfranchised, AI destroying college degree value24:32 Stock market too big to fail - implies Fed buying equities25:01 Inequality gap - bottom 10% stock holdings fell 3% to 1%26:14 Top 0.1% holdings doubled, bottom K getting bigger26:33 Worry about social fabric fraying with K-shaped economy29:16 Billionaires pushing UBI while controlling AI benefits30:14 Work ethic is what made America great30:30 Writing piece on too big to fail for weekly flagship32:08 51% of global assets outside regulated banking system33:34 Summer interns give hope - bright, hungry, great work ethic34:45 Young generation rejects too big to fail narrative 

Keith breaks down five major mortgage myths, including the belief that today's mortgage rates are unusually high, that the Fed directly sets them, and that rising rates automatically push home prices down.  Drawing on historical patterns, he explains why mortgage rates and home prices often move together, and why waiting on the sidelines for "better" rates can quietly erode your long-term wealth.  Keith also explains how inflation can benefit borrowers by shrinking the real burden of fixed-rate debt and shows how leveraged real estate can outperform traditional stock investing.  He ties these insights into today's K-shaped economy and the growing role of AI, and explains how strategic action and the right guidance can help position investors on the winning side of these trends. Episode Page: GetRichEducation.com/613 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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. There are myriad misunderstandings about mortgages. I dispel the myths and discuss the expected mortgage rate level in 2030 You will know more about mortgages than 99% of people today on Get Rich education, you know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach. For nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally. You can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 they provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your pre-qual, and even chat directly with President Caeli Ridge, while it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com   Keith Weinhold  2:07   Flock Homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes.com/G R E.   Speaker 1  2:40   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  2:56   Welcome to GRE, from Keene, New Hampshire, to Kenai, Alaska, and across 188 nations worldwide, I'm Keith Weinholding. You're listening to Get Rich Education. Everybody knows that a mortgage rate is the interest rate that a borrower pays on a property loan. Okay, sure, that part is easy. And then, oh boy, the misunderstandings begin about eight seconds later, where will mortgage rates be in 2030 I want to tell you about this and more, because mortgage rates are one of the most talked about parts of real estate, and people discuss them with this confidence and bravado of a guy at a semi quincentennial barbecue that's explaining crypto and nutrition between bites of potato salad, yet he's probably got a lot of things wrong. In the next few minutes, though, you're gonna know more about mortgages than 99% of Americans. Let me tell you about five Goliath mortgage myths that throw a lot of people off, and this includes what mortgage rates are going to be, both next year and in 2030 The first myth is that mortgage rates are high today. I almost can't believe the number of people that say this in the world that I'm in. I hear it almost every day. The reality is that mortgage rates have normalized. The 30 year rate is currently normal to low. Now, I shared with you before that the long term average is 7.7% per Freddie Mac. They have the best, most respected stat set on historic mortgage rates, and theirs go back to 1971 Well, today's rate is between six and 7% They just don't feel low after the freakishly low era about five years ago. Now, after I tell you about mortgage rates in 2030 I'll tell you also about whether we're ever going to go back to the. 3% mortgage times. Understand, it's not just mortgages, but most other interest rate types are also on the low side today. A lot of rate types are based on the effective federal funds rate. What's based off of that are rates for credit cards, HELOCs, some business loans and personal loans, they are all based on the prime rate, which is based off of the federal funds rate. Well, the federal funds rate's long-term average is 4.6% Do you know where they're at today? 3.6% So, the fed rate is fully 1% below the long run average. The second myth, gosh, and this is such a pervasive one too, is that when mortgage rates rise, home prices fall. This is such a myth, and because I've talked about this premise before, let me bring some fresh angles to it for you today, with some historical accounts too, because the reality is that when mortgage rates rise, home prices usually rise right along with them, but sharply rising rates can slow appreciation, and before we move on, one of the most famous, I suppose, American real estate investors ever. He spoke about mortgage rates recently. Let's see what he says. This is under a minute in length. Oh, and he also happens to be the current White House occupant.   Donald Trump  6:34   I made billions of dollars with housing. I know housing better than anybody, maybe anywhere. It's all about the interest rate. Lower the interest rates. You can have all the housing you want, but you have to understand, I don't want to have - I don't want to hurt people that own houses, too. These people, for the first time in their lives, they have valuable houses, they become rich. I don't want to hurt them either. What you want to do is what's good for everyone? Get the interest rates down. We have this num skull that was the head of the Fed before, and he's a stupid person, and we call him too late because he was too late with the interest rates all the time. We need low interest rates. Low interest rates will solve everything, will solve that.   Keith Weinhold  7:18   Well, lower interest rates don't solve the main problem, though. We need to build more housing no other than the fact that low rates could make it a little easier for builders to finance their operations. Lower mortgage rates do nothing to increase the housing supply, and, contrary to what most people think, rates have exceedingly little to do with home prices. When mortgage rates blew past 18% in 1981 they were between 18 and a half and 19% Then, what do you think that home prices did? Well, they kept on rising right through it since 1994 Mortgage rates rose 1% or more six different times, and home prices went up all six times. Even when mortgage rates tripled three years ago, home prices still climbed on a nominal basis. How do they do that? Well, the short version here is that we've got to think about what's happening in the larger economy when rates rise. What does that mean? What does that signal? What is that a symptom of rates rise to keep a hot economy from overheating, and when the economy is hot like this, that usually means people are employed and they're confident and they're financially flush, so then what do they want to do? They want to buy a home, and therefore there are more bidders. That's why higher rates usually lead to higher home prices, and they're talking about raising rates again, because employment has been resilient, and inflation is more than double the Fed target. All right, well, if higher rates usually correlate with higher home prices, then do lower rates mean lower home prices, no, because nominally home prices rarely fall at all. Now, what then did rates do when real estate prices had a rare national fall in those years around the 2008 global financial crisis? Do you know? Do you know what mortgage rates did then? Do you think that mortgage rates were up or down during the global financial crisis? And this is a definitive answer. There's no gray area. They were clearly either boldly up or boldly down. What do you think during the global financial crisis? Mortgage rates plummet. Did more than 2% so the only time since the Great Depression that national home prices fell substantially, mortgage rates also fell substantially.    Keith Weinhold  8:05   The problem in that era, around 2008 is that you often could not get a loan, banks were barely lending, man. People overlook this. You can't just assume that you can get a loan whenever you want it, even if you qualify. But yeah, it's just amazing how many people believe this. I guess second myth. I mean, it is one of real estate's most persistent fairy tales that when mortgage rates rise, home prices fall, that just doesn't happen. And gosh, it feels like I explain this to somebody every week, that when mortgage rates rise, home prices usually do too. If you explain this phenomenon to somebody, I think what you can tell them is that history shows, and as I like to say, take history over hunches. History shows that mortgage rates don't have much to do with home prices. The, I guess, third mortgage myth out of five is that the Fed sets mortgage rates. The reality is that they don't, and you probably already knew about this one, because you're unusually sharp, and you're listening to this. Mortgage rates are more closely tied to the 10 year treasury yield, and inflation expectations, and bond market demand, and lender spreads, and the appetite from investors for mortgage-backed securities, and even your credit score, that's what mortgage rates are tied to. The fourth one here is that you should wait for mortgage rates to fall before buying, and the reality is that maybe you should, but usually not. And again, we can look at history here almost every time you look back at when you purchase property and how much property you owned when you added it into your portfolio, there you know. Do you ever think, oh gosh, I sure would have been better off had I waited two years. Now, if you do wait two years, what happens? Prices will almost certainly be higher, and you don't know where mortgage rates are going to be. Run the numbers, and you'll probably see that waiting is not the free lunch that some people think it is.   Keith Weinhold  9:13   The main problem with waiting is that it delays how the real wealth gets created from the five ways real estate pays, and to my earlier point, if you do wait, you're probably still going to be able to get a loan, but mortgage markets can seize up in times of distress, and you might not be able to get a loan at all. A lot of people just assume that credit is always going to be available. We don't know that for sure. Now, let's take a look at my most ill-timed real estate purchase ever, since we're talking about timing, and this is when I bought a green fourplex building in May of 2007 right on the precipice, just as we were about to tilt in to the global financial crisis. I paid $530,000 for this property. It was pretty nice, like not a beautiful building, but just a good setup where every tenant had their own attached one car garage in that building. Okay, so I did not wait, and by the way, this was a big purchase for me at the time. I mean, 530k perhaps that's about a million dollar purchase in today's inflation-adjusted terms. Back at that time, that was my biggest property yet, until I got into larger apartment buildings and other single-family homes and things like that. But what happened just after I bought this in 2007 Well, that green fourplexes value temporarily went down, and during this time I was paid the other four ways that real estate pays. Rates fell during the global financial crisis, so I had a refinance opportunity, and then that green fourplexes value had fully recovered by about 2012 or 2013 and it paid me positive cash flow every single month that entire time, and that's it. That was actually my worst timed purchase ever. That scenario, the worst mortgage conditions in anyone's lifetime, and it still wasn't so bad. Well, here's what else happens with the strategy of waiting for rates to fall. When rates fall, more buyers tend to rush in, and because you've got more buyers that qualify for a. Mortgage that didn't qualify previously, that means more competition. There are fewer seller concessions, if any, and there are higher prices. It might even create bidding wars, somewhat like we had in 2021.    Keith Weinhold  9:13   The last of the mortgage myths is that mortgage rates can be predicted, so you had better pay close attention to forecasts. Oh no, the reality is that trying to predict mortgage rates is about as predictable as to whether your contractor is actually coming on Tuesday. Let me tell you, all right, what the prominent analysts and agencies have to say about the future of mortgage rates, amalgamating forecasts from Fannie Mae, Wells Fargo, the Mortgage Bankers Association, a Reuters poll of economists, and more. By the end of next year, okay, so about 18 months away, they all cluster in a range of 6.2 to 6.5% This is for the 30 year fixed rate mortgage by the end of next year, and for 2030 it is about 5.8% That's what we're looking at for crystal balls of all these agencies, if you average them together, and you know what I have to say about these numbers, don't count on these at all. These people do not know, nobody does, they'll probably even tell you that they don't know. Okay, they are your forecasts right there. And what about us here? GRE does not make mortgage rate forecasts. We only make a home price appreciation forecast annually, and we are not about to make mortgage rate forecasts here. That is because they're just really hard to predict, and therefore that would not serve you. It's really just a form of entertainment that's a poor use of your time. It doesn't serve you. Making a bold mortgage rate prediction is exactly how economists audition for humiliation.   Keith Weinhold  17:14   Mortgage rates, future direction, that's based on so many factors, like inflation, jobs, treasury yields, deficits, geopolitics, oil prices, and wars, and the future direction of mortgage rates has to do with investor sentiment, which often changes and often doesn't make sense, and whatever new fresh economic surprise is going to wander in tomorrow, and you know, I'll tell you, when I was a pretty new real estate investor, and I had a property under contract, I remember sometimes asking my mortgage loan officer over the phone, now, do you think that mortgage rates are going to be lower next week, because maybe then I should wait and lock in. I mean, that's a question I asked a number of times. I mean, sheesh, it would have been just as useful if they answered by reading me their horoscope. Now, that is not a knock on mortgage loan officers in any way. They're smart people, but they just know the borrowers do want some insight, but it's just so hard to forecast now that you know that most forecasts base around 5% mortgage rates in 2030 which is useless information. Will rates ever be 3% again like they were about five years ago? There is no forecast by any of these agencies that predicts a 3% mortgage rate at all in the next five years, but you know, really, you have to ask, Who saw that there would be such low home loan rates on the horizon back in 2007 and things like the Great Recession and a global pandemic, you know, those sort of black swan events, they're just rarely, if ever, on the radar, and see drastic events like that are what it takes to move mortgage rates down into the seller, but a couple things are for sure, 3% mortgage rates anytime soon are extremely unlikely, and if that does happen, it probably means that there has been a real world calamity. Okay, that's what I can tell you.    Keith Weinhold  19:31   I've got more to tell you here, but to summarize what you've learned so far today, in this era, rates of all types are historically a little low, contrary to popular belief, mortgage rates have little to do with home prices. Waiting for rates to fall rarely works, and mortgage rates are nearly impossible to predict. And my favorite way to make it easy for you to remember how interest rates move in an account. Economy is that they are like walls. A high interest rate is like a high wall. It's an impediment to the movement of money, because people are less likely to borrow and more likely to save, since savings accounts yield more. And then a low interest rate is like a low wall that you can easily just step over it facilitates the movement of money, making you more likely to borrow and less likely to save. And if you want to understand more about how interest rates move economies and affect real estate, and you like analogies like that, I discuss more about how interest rates are like money walls in the latter portion of GRE episode 573 I've got so much more for you today. Straight ahead, I'm Keith Weinhold. You're listening to Get Rich Education.    Keith Weinhold  20:53   Flock Homes helps you retire from real estate and land learning, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 through residential real estate. Request your initial valuation, see if your properties qualify at flockhomes.com/gre that's F L O C K homes.com/G R E. Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility.   Keith Weinhold  22:14   Go to Freedom Family investments.com to book a clarity call, or text family to 668 66 That's that's family 266866 This is Rich Dad Advisor Tong Wheelwright. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Keith, welcome back to Get Rich Education. I'm your host, Keith Weinhold, and let me help you with a couple questions that some of you have had, and when listeners or followers like you engage with us, whether that's through our general inbox or our investment coaching, or even my face-to-face interactions with people. Sometimes I hear something like, "Hey, well, I am waiting for the crash until I build my real estate portfolio. Now, I don't know how to take this always. Sometimes I think people are joking. Other times I actually think that they are serious, and see what happens is that an awful lot of media creators, they will produce a video or a blog or a podcast, and they like to talk about how a housing crash is imminent because that type of material really gets attention, words like crash and collapse, they're hype words, and these hype words like crash and collapse, they really play on people's very real primordial survival instincts that are produced in your brain's amygdala, that's why people keep consuming them, and it's also why fear-producing media gets lots of attention. I mean, it's the if it bleeds it leads phenomenon, you know. In fact, I have one real estate pro friend, and he's told me that if instead of talking about real estate logically and with an education bent in the way that I do here at GRE, well, instead if I flip that and I talk about doom and all the improbably bad things that could happen that could make my material so interesting that it would create a following so big that would transcend real estate circles, and I'd be a regular on whatever CNBC and The Joe Rogan Show. This friend somewhat jokingly suggested that with the way I use the pre. Frontal cortex to discuss real estate. I should speak from the amygdala instead. I could become a doomer, a crashaholic, an appreciation denier. And by the way, the prefrontal cortex is the sort of executive brain. It helps you think things through, compare options, solve problems, make plans. Ask yourself the question, is this actually a good idea? Logically, it's the logical part of the brain.    Keith Weinhold  25:33   Oppositely, the amygdala, that's what tells you something feels dangerous, I better react now. And your prefrontal cortex tells you, hold on, let's think this through. It's what's logical, and you know, though, this is what we've always done here, the logical, because scaring you is not serving you, it's only entertaining you. In fact, lately, there are even some people that were calling for a home price decline that no longer are doing so, and the NAR just revised their home price appreciation forecast this year up to 4% and then the other piece is that I've received more feedback recently from listeners about something that you're trying to grasp, and that is the concept of inflation profiting on your debt, which I've always presented as the fifth of five ways that you're simultaneously paid through real estate, and really the feedback it goes something like this: I don't see where I'm profiting at all if I borrow 100k on a mortgage, and then 10 years later I still owe 100k because I still owe 100k So, how is this getting me ahead, even if the tenant pays all the interest? Really, that's the question. And before I answer that, you can always reach out to us at our general inbox at Get Rich education.com/contact How do you contact us? Get rich education.com/contact where we have a real human being here at GRE monitoring the inbox for you, and oftentimes we also get comments on our videos at the Get Rich Education YouTube channel, so that's a less formal feedback mechanism, but if you're trying to grasp inflation profiting, think of it through the opposite lens. What if you put 100k in cash under the mattress, you slid it under there, and you left it there for 10 years, and then you unearthed it. Well, you probably wouldn't want to do that. Why not?   Keith Weinhold  27:49   It's still 100k We all know full well that, because at 3% inflation over 10 years, it will get worn down to about 74k of purchasing power since prices and rents and everything else is now higher. Well, in a similar way, 100k in debt after 10 years is still 100k same name, but it will only have 74k in real value. That is the way to think of it. The saver lost purchasing power, the borrower gained repayment power. Hopefully, those two persistent questions about a housing crash and about inflation profiting gave you some satisfying answers. And you know any more, so much of what we've discussed with you here every week since 2014 it is now in view, or actually it's not even in view as much as you are living inside it, that hollowing out of the middle class represented by the K-shaped economy, we are living in it, and when I told you about it, perhaps a decade ago, I was not using that term, K-shaped economy. However, that term was born in 2020 and it was popularized on Twitter back then. When we had our big wave of inflation five years ago, the asset owners recovered, if they ever suffered at all, they're the ones on the upper branch of the K, and the middle class and lower class that do not own assets. They were not able to recover, and inflation makes their standard of living sink lower. Where we're at today is that the top 10% of US earners now account for fully half of all US spending. Well, how much time do you have if you haven't yet? How much time do you have left to build your portfolio to make sure your trajectory has you on the upper branch of the K, not the lower branch? Rich, five years, you only have five years left to get rich, all right. Now that's not my answer, but that's what Andre G says, and I like some of his material, and I don't know if I'm saying Andre's name correctly, but according to him, the reason that you only have five years left to move economic lines trajectories to move from the K's lower branch to the upper branch is because of AI. You've got five years to learn a skill, start a business, or invest in real estate. The reason why is that upward mobility comes from finding efficiencies where you can make things better, but artificial intelligence makes things so much faster and more efficient, so that gap between the way things are right now and the way they will be in the future is going to close.    Keith Weinhold  30:56   AI compresses that gap to almost zero, because when everyone can use AI to build websites, write code, analyze markets, automate workflows, whatever it is, is because it becomes really easy for anyone to do anything, and it becomes a lot harder to move from the bottom of the K to the top, so for those at the bottom, there are fewer inefficiencies to solve and get ahead, and this is why the saying "the rich get richer and the poor get poorer" has the propensity to speed up. So, what can you do? I've described elsewhere about how stocks are not a wealth building tool, they're a wealth preservation tool. If you already have wealth, stock price to earnings ratios are bloated. It's good to select an asset or business that's hard to be replaced by AI, and then get good at that thing, like HVAC, plumbing, pest control, electrical, roofing, masonry, or investing in real estate be in a niche that AI is going to have a hard time replacing. Just buy some rental houses, and here at GRE, we talk about optimizing the five ways that you're paid all the time. Buyers who are waiting for 5% mortgage rates, you know, they're a little like people who refuse to buy gas at $4 because they remember $2. Okay, those days are not coming back. The market rewards action, not nostalgia. Actually, you can get 5% mortgage rates today through our GRE investment coaches, because we know the builders that are buying them down to that level for you.   Keith Weinhold  32:54   Now, do you realize that even with zero appreciation and zero cash flow on a property, you're probably still going to win bigger than stocks in their average returns of 10% That's right, even if you get zero appreciation and zero cash flow on a property, because with a historic average from your ROA, from your tax benefits, and inflation profiting alone, that's a 14% total return, just using today's mortgage and inflation rates. A 14% return, even with zero appreciation or cash flow, you're probably going to have more than zero from those. This is why we do what we do here, and you're owning your own deal, your own rental property, and you don't have to be the manager. I'm talking about your own and emphasizing that because a lot of investors got burnt recently because they said, "Oh, I'm going to invest in this influencer's deal, he's pooling all this money together for a deal. Instead of that, you can invest in and control your own deal without having to be the day-to-day manager. Those that bought property through our GRE marketplace with our coaching a few years ago, they are rich today. We had a number of those listeners come right here on the show last year, and joined me for an episode, and you heard some of them say, "Here is what my life is like now. They got on the upper branch of the K, they turned get rich education into got rich education, and it's not just for beginners, you know, we also have listeners that booked a free coaching session with us, and they gave real estate another shot after their first attempt at real estate investing failed, and that's because here they got a coherent strategy from a GRE investment coach, and then they got the outcome. It's actually pretty straightforward. Here's how it works. Our coaching actually understands this business because they work with investors like you every single day, and we are investors ourselves. What they do is they sit down with you, probably virtually, understand your situation, your goals, your timeline, where you're at financially, what your preferences are, what your concerns are, and they ask you the right questions. They listen, and then they show you what's actually possible, given your specific situation. A big difference between what we do and what a lot of others in the business do is that we are focused on your big picture strategy.    Keith Weinhold  35:44   See, we're not attached to any one market. Take local agents and local operators. Now, those people can be helpful, but they're clearly incentivized to have you buy whatever their product in their geographic market is well, RGRE investment coaching doesn't have that conflict of interest, and that's why, for free, our followers have such a good success rate in making sure they occupy the upper branch of that K. To find what's best for you, we'll walk you through different markets, different property types, and different strategies, depending on what makes sense for your situation. And it's truly free. There's no weird pleading to have you do something else. We don't try to sell you some paid coaching program or anything else like that. In fact, if you want to buy something from GRE, you simply cannot do it, because we don't even have anything for sale in almost any other industry. You would have to pay to talk to someone this knowledgeable, but you'll know more when you hang up than when you called. So, if you're ready to add real income-producing property to your portfolio, that's exactly where we can help, but it's more than that. If you want, come away with a plan to retire in five to 10 years, because it's about a total strategy. You are cordially invited. You can book a free coaching call at GRE Investment coach.com Until next week. I'm your host, Keith Weinhold. Don't quit True Daydream.   Speaker 1  37:28   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  37:56   The preceding program was brought to you by Your Home for Wealth Building Get Rich education.com.  

Celebrating 18 Years of TW3 The Principles That Outlasted Every Recession, Every Technology Shift, and Every Trend What began during the financial crisis of 2008 has survived the Great Recession, healthcare reform, dramatic shifts in digital marketing, COVID-19, and now the rise of Artificial Intelligence. Not because we guessed what…

Raise Your Glass-Stegal, tonight's the night, this podcast episode will go on forever, but it's also the last podcast of your life. Remember Shuffle regular Colette Shade joins us to talk about the culture of the Great Recession: Recession Pop, Stomp Clap, the Death of Bling Rap, DIY, Prepping, Indiesleaze, and so much more—forget the banking executives, let's do a people's history of the Great Recession.⁠Give Remember Shuffle a follow on Twitter⁠⁠⁠⁠⁠⁠⁠ And on Instagram⁠⁠⁠⁠⁠⁠ ⁠@RememberShufflePod⁠⁠⁠⁠⁠⁠⁠ to interact with the show between episodes. It also makes it easier to book guests.  For more on Colette Shade, check out her website and give her a follow on BlueSky.Articles mentioned in the episode:This shitty vice article on how no pop acts responded to the Great Recession:https://www.vox.com/culture/2018/7/30/17561470/music-of-inequalityThis blog post on Recession Pop:https://soundstudiesblog.com/2019/10/21/tik-tok-post-crash-party-pop-compulsory-presentism-and-the-2008-financial-collapse/ This Defector piece on Stomp Clap Hey:https://defector.com/the-tragedy-of-stomp-clap-hey This other blog post on Stomp Clap Hey music:https://dirt.fyi/article/2021/11/stomp-clap-hey?utm_source=chatgpt.com Another piece on the History of Stomp Clap Hey music:https://www.culturesonar.com/stomp-clap-hey-a-short-lived-genre/?utm_source=chatgpt.com This piece on Obamacore:https://www.vulture.com/article/obamacore-obama-pop-culture-kamala-harris.html This article on how the Great Recession changed hiphop:https://pure.rug.nl/ws/portalfiles/portal/111904168/Gilbers2018_Chapter_HowTheFinancialCrisisChangedHi.pdf Colette's essay on the recessionhttps://www.teenvogue.com/story/great-recession-what-happened-aftermath-trump

Jared Bell never planned to own a fencing business. He took a summer job at Butte Fence in 1994, liked the work, and decided to skip college and stay. Thirteen years later, he bought out a partner and took over day-to-day operations—just in time for the Great Recession. The company survived that challenge and has gone on to thrive, but not by following a conventional growth playbook. Bell has expanded the business by repeatedly asking a simple question: Why buy from a supplier when we can do it better ourselves? Over the years, Butte Fence has developed new products, configured more efficient processes, and steadily moved upstream, turning vendors into competitors and creating entirely new businesses along the way. In our conversation, Bell explains how that strategy evolved, what it takes to pull it off, and how a small business can identify opportunities hiding in its own supply chain.

What if your next retreat venue was a walkable, luxury beach community on the Texas Coast — fully furnished, photographer-ready, and designed to make your attendees feel like they're living in a neighborhood instead of checking into a hotel? In this episode, Shannon sits down with Lee Ann Peters, the powerhouse behind Cinnamon Shore — a New Urbanist luxury beach community on the Texas Coast that has become one of Southern Living's Top 10 Beach Towns in the United States. Lee Ann left a successful Atlanta real estate career in the middle of the Great Recession to build something most people said couldn't be done. 700+ residences later, she's still building — and retreat leaders are starting to take notice. Shannon shares her own experience hosting a sold-out (and oversold!) retreat at Cinnamon Shore — and breaks down exactly why this community works so well for retreat business planning. From scalable home rentals and built-in community amenities to a luxury aesthetic that elevates your retreat brand without the resort price tag, this episode is packed with practical inspiration for retreat leaders ready to think differently about venue selection. In this episode: Why Cinnamon Shore is an underrated goldmine for retreat leaders How to scale your retreat from intimate to large by renting multiple adjacent homes The New Urbanist design philosophy that creates a built-in retreat environment Why a Texas beach retreat is a surprisingly powerful niche with massive market reach How the right venue elevates your retreat brand and drives word-of-mouth The support system at Cinnamon Shore that makes hosting effortless for retreat leaders Lee Ann's story of building a legacy community from the ground up — and what retreat leaders can learn from her vision If you've been searching for a venue that does the heavy lifting for your retreat experience, this episode is your sign. Learn more at CinnamonShore.com The Retreat Leaders Podcast Resources and Links: Learn to Host Retreats Join our private Facebook Group Get your legal docs for retreats Join our LinkedIn Group Apply to be a guest on our show Grab the AI + SEO Mini Course Thanks for tuning into the Retreat Leaders Podcast. Remember to subscribe for more insightful episodes, and visit our website for additional resources. Let's create a vibrant retreat community together! Subscribe:  Apple Podcast | Google Podcast | Spotify ------- TIMESTAMPS The Story of Cinnamon Shore (00:01:13) Leanne Peters' journey of building the Cinnamon Shore community on the Texas coast, starting in 2007 during the recession. A Personal Connection (00:01:53) Shannon shares her personal history with Cinnamon Shore and the success of her first retreat hosted at the location. Building a Community (00:02:22) Leanne discusses the team effort and vision behind Cinnamon Shore, aiming to replicate the popular 30A Florida experience in Texas. Cinnamon Shore vs. 30A (00:04:42) A comparison between Cinnamon Shore and Florida's 30A, highlighting Cinnamon Shore's strong community feel and accessibility for Texans. On-Site Amenities (00:07:17) Discussion of the numerous amenities available, including restaurants, pools, fitness centers, live music, and a new on-site market. A Perfect Retreat Location (00:11:34) Shannon explains why Cinnamon Shore is ideal for retreats, citing its aesthetic, diverse activities, and broad appeal beyond Texas. Hosting Events at Cinnamon Shore (00:13:19) Leanne describes a successful owners-only women's event, showcasing the community's capacity for hosting organized group activities and events. Versatile Accommodations for Retreats (00:14:10) The variety of luxury rental homes available, from small condos to large houses, accommodating different retreat sizes and needs. Exceptional Guest Support (00:16:39) Praise for the helpful and responsive on-site team that assists with logistics, recommendations, and any issues that may arise. Building Relationships (00:19:58) The ability for guests and retreat leaders to build a relationship with specific homes and the staff, ensuring consistent experiences. Prestigious Show Homes (00:22:03) Leanne highlights Cinnamon Shore's history with Southern Living, Coastal Living, and Texas Monthly show homes, elevating the community's profile. Accessibility and Travel (00:27:31) The ease of getting to Cinnamon Shore via nearby airports in Corpus Christi, San Antonio, and Austin, including private options. Future Developments (00:28:27) An overview of upcoming developments in both Cinnamon Shore North and South, including new restaurants and a town square. Invaluable Resources for Hosts (00:30:25) The benefit of using the staff's vetted recommendations for services like private chefs, photographers, and other local vendors. A Desirable Family Destination (00:32:46) Shannon shares how her own family now prefers vacationing at Cinnamon Shore over other popular destinations like Disney cruises.

Former Fed Chairman Alan Greenspan died this week at the age of 100. He was a towering figure in modern finance who oversaw unprecedented growth in the US economy. But Greenspan was also blamed for stripping away safeguards that might have prevented the Great Recession. WSJ's Nick Timiraos explains that while Greenspan retired two decades ago, his ideas are providing a model for the new Fed chairman Kevin Warsh. Ryan Knutson hosts. Further Listening: - Who Is the New Fed Chair? - Barney Frank's Legacy of Financial Reform  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailAI isn't here to replace you. It's here to multiply you.In this Spartan Leadership episode, Josh sits down with entrepreneur and operator Matt Schmitt to break down why his core thesis is simple: AI + humans = superpowers. Matt shares how he went from an IT grad in the Great Recession, to buying cans for Anheuser-Busch, to building and exiting e‑commerce brands, and now to building AI tools that help small operators move like an army without losing the handshake, the character, or the relationship.They talk about how to use AI without handing over your thinking, why the “big guys” will cut people while the real competitive advantage for small businesses is keeping your people and equipping them, and how faith, marriage, and fatherhood have shaped the way Matt builds.Connect with Josh Kosnick: https://joshkosnick.comConnect with Matt Schmitt: https://www.linkedin.com/in/realmattschmittSupport the showCONNECT WITH ME HERE:FacebookInstagramLinkedInTwitterTikTokYouTubeSUBSCRIBE TO THE PODCAST HERE:Apple PodcastsSpotifyYouTube

In part four of their ongoing series on the Great Recession, the Shuffle Bois turn to a topic near and dear to their hearts, the automotive bailouts of 2008/9. When cheap and easy credit dried up due to the sub-prime mortgage crisis and the dominos of financialization began to fall, the three struggling American automotive companies were hit particularly hard. In this episode, the shuffle bois go through the history of the automotive industry, laying out both its long term chronic and short term acute issues, before tracing the Obama administration's response. It's a sprawling episode covering labour relations, corporate mismanagement, globalization, the place of the car in American identity, financialization and private equity, and environmentalismBibliography:Dan Georgakas and Marvin Surkin, Detroit: I do mind dying. Cambridge: South End Press, 1998Paul Ingrassia, Crash Course: the American auto industry's road to bankruptcy and bailout - and beyond. New York: Random House, 2011Steven Rattner, Overhaul: an insider's account of the Obama administration's emergency rescue of the auto industry. Boston: Mariner Books, 2011Check out our website to search for episodes at: remembershuffle.comGive Remember Shuffle a follow on Twitter⁠⁠⁠⁠⁠ And on Instagram⁠⁠⁠⁠ ⁠@RememberShufflePod⁠⁠⁠⁠⁠ to interact with the show between episodes. It also makes it easier to book guests. And don't forget to check out our patreon! https://www.patreon.com/c/RememberShuffle

STREAMING THE MAKING OF THE JOHN BATCHELOR SHOW, FEATURING THADDEUS MCCOTTER, 6-2-2026BRUSSELS1810 ANTWERP GATE BRUSSELSThis dialogue explores the significant political and economic challenges facing the Republican party during an election cycle. The speakers highlight record-low economic confidence among independent voters, noting that current dissatisfaction levels rival those seen during the Great Recession and the 1980s. This domestic frustration is further complicated by a conflicting and confusing foreign policy, specifically regarding the administration's handling of Middle Eastern conflicts and the Iranian regime. The participants argue that the interconnected nature of global instability and domestic inflation poses a severe threat to incumbent candidates. Ultimately, the discussion suggests that unless the administration can demonstrate concrete economic progress and clear diplomatic leadership, they risk losing the support of critical swing voters.

Newt talks with Senator Lamar Alexander, former Governor of Tennessee and U.S. Education Secretary, about his memoir, “The Education of a Senator: From JFK to Trump.” He traces his public life from a 1963 Justice Department job under Robert Kennedy, where he heard Martin Luther King Jr.’s “I Have a Dream” speech, through the rise of “digital democracy,” social media, globalization, the Great Recession, and the Obama and Trump eras, arguing that social media and economic disruption have transformed American politics since around 2008. Alexander contrasts gubernatorial and senatorial leadership, likening governors to Moses and Senate leaders to drum majors who must recruit, align, and manage diverse “marchers,” and notes that many governors find the Senate frustrating while some senators struggle as pragmatic executives. He credits Howard Baker with teaching him to be an “eloquent listener,” to “learn to count” votes, and to remember “the other fellow might be right.” Relationships, he argues, are the essence of the Senate: he cultivated them by visiting House counterparts, maintaining courtesy, and hosting about 60 Senate couples, both Republicans and Democrats alike, at his Tennessee home. Alexander reflects on his own presidential bids, which he compares to moving from eighth-grade basketball to the NBA finals. He warns that presidential politics are increasingly dominated by “media and money,” recalling a 1999 quip predicting a Trump-like figure emerging from this environment.See omnystudio.com/listener for privacy information.