Podcasts about Great Recession

Two of the three major credit bureaus are dismissing a larger share of consumer complaints. At the same time, the Trump administration has attempted to gut the Consumer Financial Protection Bureau — the government watchdog agency established following the Great Recession. Today, we'll delve into what it means for consumer protections. Also, the price of a barrel of Brent crude is about 50% higher than it was a month ago. Where do things go from here?

Two of the three major credit bureaus are dismissing a larger share of consumer complaints. At the same time, the Trump administration has attempted to gut the Consumer Financial Protection Bureau — the government watchdog agency established following the Great Recession. Today, we'll delve into what it means for consumer protections. Also, the price of a barrel of Brent crude is about 50% higher than it was a month ago. Where do things go from here?

In this week's episode, Kelly is joined by community builder Maryam Banikarim! She was the former Chief Marketing Officer of many global organizations, She is the Co-Founder of Longest Table, and Host of the podcast “The Messy Parts”.  Kelly asks Maryam about coming to The United States from Iran. Maryam talks about her experience living in Iran and in California. She talks about her first trip to the East Coast and how she got into Barnard off the wait list.  Maryam talks about life in NYC in the 80s. She tells us about a fateful encounter she had on the subway, fast talking her way into night clubs, and joining Chippendales! Kelly asks her about her experience doing a TedTalk. Maryam tells us how she got the opportunity to do the talk, what her process was in coming up with topics for it, and how she was able to practice and perfect her performance.  Maryam then talks about putting together The Longest Table. She discusses challenges that she faced when putting on the first event. She talks about how the obstacles become obstacle courses in how she navigates regection and keeps it from letting it affect her.  She then talks about New York Next and how during covid, she and a group of concerned New Yorkers got together to put together an incredible video to help support artists during that dark time.  Kelly asks Maryam about the formation of "The Messy Parts". The two talk about their experience being podcast hosts, and the unique challenges that face them. They discuss the creation of Maryam's show: From inspiration to early planning and to how it is now. Finally, Maryam tells the audience about her wedding anniversary, as it is the same day that they recorded the podcast. Maryam met her husband on the Subway! And she recounts her classic New York Story for us.  But above all else; Maryam Banikarim is a New Yorker. Kelly's Social Media @NewYorkCityKopp Maryam's Social Media @mbanikarim @LongestTableCommunity @TheMessyPartsPodcast Jae's Social Media @Studiojae170 Chapters (00:00:00) - New Yorkers(00:00:59) - Meet New Yorker Miriam Banakaram(00:01:39) - Winter in New York(00:02:22) - How To Ride the Subway As A Woman(00:03:05) - I Was Invited To Iftars By A Muslim Influencer(00:07:25) - In the Elevator With My Parents in Iran(00:08:54) - Coming to Barnard College at 16(00:12:51) - "I Tried Chippendales"(00:13:28) - You Had To Give a TED Talk(00:16:53) - Covid: The Long Table(00:21:48) - Neighbors' meals for the homeless(00:25:58) - The Longest Table in New York(00:27:49) - A Taste of the Longest Table(00:30:15) - The We Love New York City Campaign(00:34:31) - I Love NY: The Campaign(00:38:14) - The New Yorkers Sing During the Great Recession(00:39:09) - The Messy Parts: Miriam on Her Podcast(00:43:35) - Jay Leno on Being On The Podcast(00:47:11) - The Bar Manager Has a Message For Regulars(00:49:03) - I Met My Husband On The Subway(00:50:02) - How We Met : On The Subway(00:52:14) - What Keeps You Inspired In NYC?(00:54:06) - The New Yorkers of We Love NYC(00:56:25) - Meet New Yorker Miriam Banakaram(00:57:31) - New Yorkers Podcast: The New Yorkers

Story of the Week (DR):WarSaudi Aramco CEO issues stark warning: Iran war could bring ‘catastrophic' shock to global oilPrediction markets face questions on Iran war bets, from regime change to nuclear detonationThe Maduro Capture (Jan 2026): Just hours before the U.S. captured Venezuelan President Nicolás Maduro, a new Polymarket account wagered $30,000 on his removalIsraeli Military Indictments (Feb 2026): At least two individuals in the Israeli defense forces were reportedly indicted for using classified intelligence to place winning bets on the specific dates of military strikes in IranNational Security Risk: A recent report by Responsible Statecraft warns that officials with the power to influence military timing could alter operations to maximize their payout The Atlantic Council recently warned that foreign adversaries can "weaponize the odds" by dumping money into a thinly traded market to create a false narrative that a country is about to collapse, potentially triggering a real-world panic or bank run.Kalshi (private)1/13/25: Kalshi names Donald Trump Jr. as strategic advisorPolymarket (college dropout Shayne Coplan)8/26/25: Kalshi Advisor Donald Trump Jr. Joins Rival Polymarket BoardTrump Jr.'s 1789 Capital is making an eight-figure investment in the controversial prediction-market company.AI JobsAnthropic just mapped out which jobs AI could potentially replace. A ‘Great Recession for white-collar workers' is absolutely possibleThe most AI-exposed group is 16 percentage points more likely to be female, earns 47% more on average, and is nearly four times as likely to hold a graduate degree compared to the least exposed group.Sam Altman admits AI is killing the labor-capital balance—and says nobody knows what to do about itOracle expected to slash thousands of jobs as massive AI spending creates financial cash crisisLayoffs are feeling awfully tempting for a lot of companies right nowCEOs are using one number in the AI age to decide how many people they still needRevenue per employeePatreon's CEO says AI will be a 'bloodbath for the world's creative people' unless tech companies pay upAtlassian slashes 10% of workforce to 'self-fund' investments in AI and enterprise salesThe unexpected 92,000 drop in payrolls is a clue we might be reading the AI jobs narrative all wrongWorker painAI Is Forcing Employees to Work Harder Than EverAI Job Loss Is Breaking the Psyche of Workers, Psychiatrist Warns‘AI brain fry' is real — and it's making workers more exhausted, not more productive, new study findsEconomist Dambisa Moyo says CEOs must play a role in sustaining the consumer class as AI eliminates jobsThis could only happen if we weren't controlled by the TechBro Dropout GangCII‘Not a goodbye…': What Adobe CEO Shantanu Narayen told employees after announcing decision to step downShantanu Narayen, CEO of Adobe for 18 years, will step down once a successor is appointed, while continuing as board chairman.Google Hands Sundar Pichai $692M Package Tied to AI BetsPackage uniquely ties executive pay to Waymo autonomous vehicle and Wing drone delivery venture performanceCompensation structure sets precedent for linking CEO pay to specific AI business unit success rather than overall company metricsSo now CEOs can either game their bonus by obsessively focusing on one thing or doom the rest of the company by obsessively focusing on one thing or bothAs You Sow Files Lawsuit Challenging Chubb's Refusal to Put Shareholder Proposal Addressing Climate-Driven Insurance Crisis on Company ProxyThe proposal asks shareholders to vote on whether Chubb should commission a report assessing whether pursuing subrogation claims against parties responsible for climate change could reduce losses, benefit shareholders, and help preserve affordable homeowners insurance.This lawsuit follows the SEC's decision to abandon its longstanding role as a neutral arbiter in the shareholder proposal process. In November 2025, the SEC announced that it would no longer review corporate no-action requests under Rule 14a-8, effectively forcing these matters into court—an expensive and lengthy process.Sen. Elizabeth Warren Slams SEC As 'Lap Dog For Trump's Billionaire Buddies' After It Dismisses Another Crypto Case"The SEC should not be a lap dog for Trump's billionaire buddies"Live Nation, Ticketmaster's Owner, Settles Antitrust Case With Justice DeptThat was fastLive Nation Entertainment board includes Trump administration bro Richard Grenell 2 of 12 are womenGrenell is somehow the president of the Kennedy Center for the Performing Arts despite no background in anything resembling “the Arts.”He replaced a woman, Deborah Rutter. The chair is President Trump. Of course. And the board now is down to only one woman: 2 years ago it was 60% female.Glass Lewis recommends voting against Starbucks director over ‘board-level E&S oversight'New York State Comptroller, New York City Comptroller, SOC Investment Group, Canadian responsible investment association SHARE, Merseyside Pension Fund, and Trillium oppose the re-election of lead independent director Jørgen Vig Knudstorp, as well as Beth Ford, chair of Starbucks' Nominating and Corporate Governance (NCG) committee.Ford was chair of the EPCI committee and now leads the NCG committee, which assumed some of the responsibilities of the EPCI when it was disbanded.In its benchmark policy proxy paper, Glass Lewis has recommended investors vote against Ford.Goodliest of the Week (MM/DR):DR:Uber rolls out women-only option in the USDR: CEOs of failed banks would have to surrender pay under bipartisan planSenate legislation would mandate “clawbacks” of executive pay, three years after the collapse of Silicon Valley Bank.MM: 24 states, Nintendo sue Trump over tariffs as refund fight growsCostco CEO Ron Vachris Pledges to Return Tariff Refunds to ShoppersMM: Andrew Yang says we should stop taxing workers — and start taxing AIAssholiest of the Week (MM):War on Women: part 1Alex KarpPalantir CEO Makes Shocking Confession on Disrupting Democratic PowerPalantir CEO Alex Karp thinks his AI technology will lessen the power of “highly educated, often female voters, who vote mostly Democrat” while increasing the power of working-class men.“This technology disrupts humanities-trained—largely Democratic—voters, and makes their economic power less. And increases the economic power of vocationally trained, working-class, often male, working-class voters,” Karp said in a CNBC interview Thursday. “And so these disruptions are gonna disrupt every aspect of our society. And to make this work, we have to come to an agreement of what it is we're going to do with the technology; how are we gonna explain to people who are likely gonna have less good, and less interesting jobs.”To Alexandra Schiff, ex WSJ reporter and daughter of Tom Wolfe, who wrote a semi adoring Silicon Valley book in 2017 holding Peter Thiel as a god (and now sits on this board with Thiel), and to Lauren Friedman Stat, who only seems to post Palantir sizzle reels and as best I can tell is married to a “David Stat” who is the name of a “Director” (not on the board?) of Palantir who is in a Form 4 for selling stock:What the fuck are you doing. Do you read what this dude says? Are you that cucked to the tech bro elite you can't stop and say, “Hey, Alex, maybe tone down the suggestion you're trying to stop female Democrats from voting?”War on Women: part 2Glass Lewis recommends voting against Starbucks director over ‘board-level E&S oversight'Because Starbucks disbanded the Environmental, Partner and Community Impact committee of the board - launched in 2023, dissolved in November 2025Committee launched after majority supported SHP to focus on labor issuesJorgen Knudstorp and Daniel Servitje, the OTHER committee members, somehow escape entirelyKnudstorp is the Lead independent director, Niccol is the CEO and chair of the board (yes, chair)But instead of targeting Niccol or even Knudstorp, Glass Lewis targeted the female chair of the committee… ONLYIf the CEO gets to be chair - doesn't the CEO have to take responsibility for board overall? If you have an LID, are they accountable?? Why would the chair of a committee be target without the chair of the board or LID? Can a committee chair dissolve their own committee??Cracker Barrel - the scapegoat was the person of color who had “diversity” in their job description, not the longest tenured director who was also chair of the board but was a white guy - and Glass Lewis suggested voting out the brown dudeWar on Women: part 3 speed roundDOGE, DEI, and climate changeBlack women were disproportionately impacted by DOGE cuts. A year later, they're rebuilding careers for themselves and each otherI Watched 6 Hours of DOGE Bro Testimony. Here's What They Had to Say For ThemselvesOver the course of a six hour long or so deposition, Justin Fox, a former investment banker turned DOGE bro, refused to define what he believes counts as DEI; admitted he used ChatGPT to scan government contracts for terms such as “Black” and “homosexual” but not “white” or “caucasian;” and said that one of the grants he helped slash was “not for the benefit of humankind” before walking that claim back.Why ‘bringing your whole self to work' is a trap, especially for womenFormer Goldman Sachs CEO says DEI programs are ‘counterproductive,' arguing ‘you're branding the people in that program'Climate change: Women face worst impacts as funding support falls shortIn 2025, a UN women report warned that under a worst-case climate scenario, up to 158.3 million more women and girls may live in extreme poverty globally as a result of climate change by 2050Headliniest of the WeekDR: Shell CEO's Pay Jumps 60% Despite Profit Drop and Fatal AccidentsDR: Jack Dorsey Defends Wearing “Love” Hat While Firing 4,000 Employees in Pivot to AI: "I wanted to approach the whole situation with love."MM: Ozempic mania has even Olive Garden and The Cheesecake Factory cutting back on portion sizesMM: Cracker Barrel sales, traffic continue to slump months after failed rebrandWho Won the Week?DR: National Museum of the American Indian and the coffee at CII, was actually pretty not grossMM: The Council for Institutional Investors Spring Conference, who got to witness Proxy Countdown livePredictionsDR: CII loses our phone numberMM: The women start the uprising now:

A sudden loss changed everything. In this episode, I sit down with Chanoa Inez, whose life took an unexpected turn when a joyful trip overseas became the beginning of a long journey through grief, healing, and transformation. Chanoa shares how losing her partner while living abroad forced her to face deep emotional challenges and rebuild her life from the ground up. Along the way she developed a thriving copywriting career, explored the deeper roots of resilience and self-love, and eventually wrote her book Dream On to help others navigate upheaval and loss. As you listen, I believe you will hear how Chanoa discovered that joy, purpose, and even a dream life can emerge again when we learn to understand our stories, trust ourselves, and move forward with an unstoppable mindset. Highlights: ·  00:10 — Why Michael created the Unstoppable Mindset podcast to show people they are more capable than they think. ·  10:39 — How graduating during the Great Recession led Chanoa to discover freelance writing and build her copywriting career. ·  17:07 — The life-changing moment when her boyfriend unexpectedly passed away while they were living in Montenegro. ·  25:00 — How starting and growing her copywriting business helped her rebuild stability after loss. ·  36:59 — Why Chanoa decided to write her book Dream On about rebuilding life after upheaval. ·  48:55 — How Chanoa defines joy as “energized happiness” and why reconnecting to it changes everything. Top of Form Bottom of Form About the Guest: Chanoa Inez is a Los Angeles-based author, personal transformation advisor (for people) and a messaging strategist (for brands). She's passionate about helping people and businesses lean into who and what they really are so they can stand out and make a real impact. When it comes to people, she makes that happen through her programs in MAGNETIZE YOUR PERSONAL BRAND™. Chanoa helps her clients become more memorable to attract more (and better) opportunities by showing them how to lean into their true selves, position their personal brands, embrace visibility, elevate their verbal and nonverbal communication, and more. In her work supporting startups and Fortune 500 corporations alike, Chanoa helps tech, fintech, and luxury companies develop memorable brand messaging and content that clarifies their place in the market, attracts their ideal clients, and helps them stand out in a sea of industry-speak and sameness; she's a brand voice specialist too. Years after a difficult, sudden loss, Chanoa Inez realized every area of her life was still touched by the immense grief from that fateful morning in Montenegro. So she set down a path for change marked by challenging hurdles but also awe and amazing opportunities. Steeped in gratitude for her life's transformation, she couldn't wait to share the techniques and perspectives that helped her achieve more and more happiness, health, and success.  In her book Dream On: How to create the new life of your dreams after upheaval or loss, Chanoa helps readers skip years of trial and error, delivering those learnings with the momentum of her craft as a copywriter. Readers are greeted with a set of meaningful paths designed to help them achieve the new lives of their dreams with far greater speed. Ways to connect with Chanoa: Website: https://www.chanoainez.com/ LinkedIn: https://www.linkedin.com/in/chanoa/ Instagram: https://www.instagram.com/chanoainez/ About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes:

About nine thousand tech workers in the Seattle area have lost their jobs in the past year. That could be nine thousand people competing for a shrinking pool of tech jobs. This year started off with the most layoffs we’ve seen in a January since the Great Recession, and the lowest hiring on record. Many companies are now citing artificial intelligence in their layoff announcements. On today's episode, where have all the laid off tech workers gone? And what can the rest of us learn from the first shock in the AI earthquake? Do you have an idea for a Booming episode? Give us a call at (206) 221-7158 and leave a voicemail. You can also email us at booming@kuow.org.Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/boomingnotes.Booming is a production of KUOW in Seattle, a proud member of the NPR Network. Our editor is Carol Smith. Our producers are Lucy Soucek and Alec Cowan. Our hosts are Joshua McNichols and Monica Nickelsburg.Support the show: https://kuow.org/donateSee omnystudio.com/listener for privacy information.

In this episode, physician and scientist Dr. Robert Malone—known for his early work in mRNA vaccine technology—shares the story behind his journey into homesteading. From early farm work to rebuilding a farm in rural Virginia after significant financial setbacks, he reflects on how life on the land has shaped his perspective. Join us for this episode to hear more about his story, his farm today, and why homesteading remains central to his life even alongside a demanding public career. In this episode, we cover:- Robert shares the story behind his homesteading life: early years working on farms and learning practical skills long before his scientific career- The financial setbacks that impacted him along the way, including major losses during the Great Recession and the decision to start over again- Finding their current farm in rural Virginia and slowly rebuilding the property from raw hay land- What life looked like in the early days: living in a construction trailer with no power or water while restoring old farm buildings- A look at Robert's current farm today, including horse breeding, orchards, poultry, and a growing collection of livestock- Why homesteading remains central to his life despite a demanding public career and frequent travel- How the farm provides perspective and a mental reset from high-pressure work- Reflections on the values behind homesteading, stewardship of the land, and building a life with intentionView full show notes and transcript on the blog + watch this episode on YouTube.Thank you to our sponsors!KubotaUSA.com | Providing the right equipment to keep us moving, shaping, and growing America's farms, fields, and constructionPremier1Supplies.com | Your one-stop shop for a variety of homesteading supplies and expert adviceRESOURCES MENTIONEDExplore Dr. Robert Malone's websiteCheck out his books:- PsyWar: Enforcing the New World Order- Lies My Gov't Told Me: And the Better Future Coming- Novel Coronavirus: A Practical Guide for Preparation and ProtectionFollow his latest work on SubstackCONNECTDr. Robert Malone | Website | X | Media Homesteaders of America | Website | Instagram | Facebook | YouTube | Pinterest

AI hasn't caused mass unemployment. Yet.

Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.    Keith Weinhold  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

Send a textBill is a family business leader with over 50 years of experience in the construction industry. He helped lead his company through the trials of the Great Recession in the construction and real estate industry.  Bill's book, "Restored by the Storm - Navigating Through Life's Unexpected Challenges," instills a sense of inspiration essential for anyone seeking to find meaning and strength in the midst of life's storms, assuring them that there is still much to achieve and cherish, even after significant losses.  This only scratches the surface of Bill's battles.  This is his story.  Listen now.His website:  https://www.billderrick.com/Contact US:  Rumble/ YouTube/ IG: @powerofmanpodcastEmail: powerofmanpodcast@gmail.com.Twitter: @rorypaquetteSTART YOUR OWN MEN"S MOVEMENT!  We NEED more men to LEAD!  Join us here to learn how!   https://www.facebook.com/groups/490821906341560/?ref=share_group_linkYou have VALUE!  You are WORTH IT!  BELIEVE IT!

Is AI fear slowing the housing market in 2026? In this episode of Let's Talk Housing, Steven Thomas of Reports On Housing breaks down mortgage rates near 6 percent, subdued demand, and why headlines comparing today to 2008 are misleading. Learn how supply, inventory, and homeowner equity differ drastically from the Great Recession and why prices remain sticky despite lower sales. Get proper context on mortgage spreads, the Federal Reserve, and what could unlock more demand this spring.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-Introduction02:25-Supply and Demand Update 202605:00-Mortgage Rates Hit 5.99%06:40-Why Rates Fell in 202607:40-Geopolitical Impact on Rates10:17-Should Buyers Be Worried?11:40-AI Fear Impacting Demand15:48-2008 Crash Headlines Debunked20:00-Why Prices Are Not Plunging22:43-Has Housing Recalibrated?26:52-What Happens If Rates Fall27:56-Capital Gains Tax Discussion30:44-Conclusion

What does it take to build a multi-unit restaurant group starting with $70,000 during the Great Recession? In this episode of Restaurant Rockstars, Roger talks with Molly Irani, co-founder of Chai Pani Restaurant Group, about the leadership discipline and people-first culture that turned a bootstrap startup into a nationally recognized brand. This is a practical conversation about restaurant leadership and profitability — how culture drives retention, how operational leaks impact margins, and why scaling requires systems, not heroics. If you're navigating labor pressure, tighter margins, or growth decisions, this episode delivers real-world perspective you can apply immediately. In This Episode: • Launching during a recession • Building culture as a competitive advantage • Protecting margins through operational discipline • Retaining great people in a tough labor market • Scaling beyond the dining room Join the 5-Day Menu Margin Makeover Challenge Improve margins without guessing on price increases:

There's a moment in every high achiever's life when the outside success no longer matches the inside truth. You have the title. The team. The salary. The symbols. And yet… something feels off. In this powerful episode of Passion, Purpose, and Personal Brand, Lisa McGuire sits down with Chris Lalomia, founder of The Trusted Toolbox and host of Small Business Safari, to unpack what it really looks like to walk away from corporate security and step into the unpredictable, often messy, but deeply fulfilling world of entrepreneurship. Chris didn't just leave a job. He left an identity. From Senior Vice President with custom suits and a Mercedes… to hauling trash in white vans and earning credibility one home at a time. This is not a highlight reel conversation. This is about ego checks, near-missed payrolls, launching a company before the Great Recession, building systems in an unregulated industry, and discovering that the "wild" may be dangerous—but it's also where purpose wakes up. If you've ever felt "successfully stuck," this episode is your mirror. Key Takeaways "Successfully stuck" is real — outward success can mask internal misalignment. Leaving corporate isn't just a career shift. It's an identity shift. Passion isn't enough, but it's essential when everything gets hard. Financial resilience determines survival more than optimism does. Systems save you when emotion fails you. Entrepreneurship is freedom, but it's also full responsibility. Professionalizing a fragmented industry requires leadership and vision CONNECT WITH CHRIS LINKEDIN: https://www.linkedin.com/in/chrislalomia/  WEBSITE: https://www.chrislalomia.com/  COMPANY WEBSITE: https://thetrustedtoolbox.com/  CONNECT WITH LISA LINKEDIN: https://www.linkedin.com/in/lisa-mcguire/  WEBSITE: https://lisamcguire.com Beyond the Transaction Mastermind -  Apply to join the group: https://beyondthetransactionmm.com/register Sign up for Lisa's "so much more" newsletter: https://www.thediyframework.com/so-much-more-subscribe  Freedom Reset: Your Next Steps to Realignment  Register: https://go.lisamcguire.com/freedom-reset  Human Design Masterclass Waitlist: https://go.lisamcguire.com/human-design-masterclass-waitlist  Ideal Client Workshop Waitlist: https://go.lisamcguire.com/ideal-client-workshop-waitlist-icww785155  Get your free Human Design Bodygraph: https://lisamcguire.com/get-your-free-chart/ 

Send a textThe silence of the house on the first night the kids aren't there. The urge to overcompensate by buying them gifts. The crushing feeling of being a "visitor" in your own children's lives.If you are a newly single father, these are the heavy realities you are facing right now. But you do not have to navigate them blindly.Today, I sit down with Ronald Platt, the co-founder and CEO of the National Association for Single and Divorced Families (NASDF). Think of NASDF as the AARP for single-parent households—providing everything from discounted mental health care to a groundbreaking "Support Insured" product that covers child support and alimony payments if you lose your job, become disabled, or face business bankruptcy.But Ron isn't just an executive; he has lived in the trenches. He shares his deeply personal journey of surviving a 14-year relationship with an addict, fostering and adopting a teenager, and rebuilding his life from a 450-square-foot studio apartment after losing his business during the Great Recession.In this episode, we cover:The NASDF Blueprint: How this organization is changing the game for divorced parents and single families.Beating the "Visitor" Mindset: Why overcompensating with toys backfires, and how creating a strict, predictable structure is the real key to helping your kids (and yourself) feel safe.Surviving the Quiet House: Ron's daily protocol of journaling, affirmations, and gratitude that saved his life when he was starting completely over.Unconditional Love: A powerful realization about how we parent our children, the dangers of conditional love, and the life-changing magic of simply apologizing to your kids when you mess up.The Dating Hiatus: Why jumping back into the dating pool too fast usually just means you end up dating your ex in a different body.Guest Bio:Ronald Platt is the CEO of NASDF.org, an organization dedicated to providing resources, products, and support for individuals going through a divorce or running a single-family household.Resources:Website: NASDF.org  Support the showhttps://www.risingphoenixpodcast.com

Former hockey enforcer Dave Burnett took punches for a living, then helped build Achievers.com (sold for $110M), watched his own business go to zero twice, and came back both times. In this episode, we dig into why founders with non-traditional backgrounds often outperform the textbook startup playbook, how to make sure AI models actually know your startup exists, and a time management system built around 1,440 minutes that will change how you think about your day. CHAPTERS0:00 Intro0:32 Dave's path from hockey enforcer to serial entrepreneur1:36 Building Achievers.com and the $110M exit3:08 Why non-traditional founders have an edge3:52 The enforcer mentality and entrepreneurial grit7:05 Building for the future: swappable AI engines8:25 AI models are commodities, not loyalties10:30 AI is table stakes now10:43 The dumbbell theory: where to build in the age of AI15:53 AI visibility: does ChatGPT, Claude, or Gemini know your startup exists?19:47 What separates visible companies from invisible ones21:00 How to use LLMTel to check your AI visibility23:01 What early-stage founders should do now to show up in AI25:18 GEO vs. SEO: what's different, what's the same26:48 Mid-roll break27:09 The 1,440-minute time management system31:04 Color-coding your day in 10-minute blocks32:23 Constraint-based prioritization: always work on the bottleneck34:36 Embracing uncertainty and getting comfortable with failure36:23 Building things nobody wants (and how to avoid it)38:27 Why Dave went so granular on time tracking40:51 Surviving a traumatic brain injury while running multiple companies41:51 Notifications are other people's priorities46:54 It's going to suck, and that's normal47:59 When to pivot vs. when to double down50:23 Going to zero twice: Great Recession and COVID53:03 Business as an infinite game55:01 Closing thoughts

This is our last Virgo full moon eclipse for 18 years....the last season/stretch of this was back in the Great Recession era....which I know helped many of us fall "asleep" and start to choose partnerships from deep scarcity wounding, as well as succumb to health issues and relationships that definitely were destined to fall apart...which many now are, if they haven't already Why is this?   Welcome to eclipse season!!! Welcome to a planetary awakening where ALL the shadows are coming up/put for review Virgo is the Virgin priestess energy - the divine feminine - and she she is wanting us to let go of perfectionism, overthinking, over doing, over criticising, over giving, over sacrficing...... Also Virgo is ruled by mercury and we are in a mercury retrograde to boot....Mars going into Pisces today and well....aw hell....this is one week for the books The old you can't move past this eclipse and what you set into motion in the next 24-48 hours may very well set you up for the next 6 months What seeds you planting after this lunar eclipse emotional release??   In health, wealth and relationships? We will hear from the Runes today Buckle up and have your notes and intuition at the ready Join Magdalena Grace for a potent reading to help you awaken/stir within to gain more clarity For as within, so without!   Let's make the unconscious, conscious Go to www.MagdalenaGrace.com to sign up for your own Runes reading

Trump's State of the Union was a two-hour Willie Horton ad designed to keep his shrinking base loyal through blood-soaked imagery borrowed from imperial Rome. Proleftpod traces how Michele Bachmann's 2011 Tea Party response prefigured today's MAGA lies by pretending the Great Recession never happened, just as Trump pretends away ICE murders, the Epstein files, and economic chaos. It's about memory, manipulation, and why the anomalies we remember from the past tell us exactly where we're headed. More at proleftpod.com.LINKS FOR THIS EPISODE:  Driftglass covers SOTU on The Bob Cesca Show: https://www.bobcesca.com/the-bob-cesca-interview-driftglass-day-2-25-26/ Driftglass (with Digby and Desi) on the Bradcast with Brad Friedman: https://bradblog.com/?p=15649Stay in Touch! Email: proleftpodcast@gmail.comWebsite: proleftpod.comSupport via Patreon: patreon.com/proleftpodor Donate in the Venmo App @proleftpodMail: The Professional Left, PO Box 9133, Springfield, Illinois, 62791Support the show

Jim Schowalter is the former MMB Commissioner. He joins Blois Olson to discuss the budget forecast for the state of Minnesota. Blois asks about the relevance of macroeconomic trends/data like GDP and unemployment numbers. Jim says that the employment numbers are concerning for the future and that the numbers are a little weaker than last year. Blois references some economic factors he noticed during the Great Recession and asks Jim about the operationality of the budget team. They also discuss the uncertainty around the gubernatorial race/potential elect and how its impacting the state government now.

What if the only thing standing between you and your next breakthrough is the decision to move before you feel ready? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Debbi DiMaggio. Debbi shares how clarity, belief, and relentless action shaped her 35 year career in real estate and her life beyond it. From writing down ten things she wanted at age 25 to building a thriving business during the Great Recession, Debbi reveals how mindset in motion became her secret weapon. She explains why most agents do not need more motivation. They need movement. Debbi also opens up about running the LA Marathon with almost no training, launching a company in one of the toughest markets in history, and writing her fifth book Mindset in Motion. Through real stories and practical wisdom, she breaks down her five step framework that turns intention into aligned action. This conversation is a masterclass in momentum, resilience, and activating your potential when it matters most. If you are ready to stop waiting and start moving, share this episode with a fellow agent, subscribe to the podcast, and commit to one bold action today that moves you closer to your goal.   Highlights 0:00 - 3:00 Missing Link Between Goals and Results Why goals stall without a method Motion beats waiting for motivation Action creates momentum and confidence What you will learn in this episode 3:00 - 14:48 Debbi's Path Into Real Estate Why she avoided real estate growing up The ten things list that gave her direction Starting in San Francisco rentals pre internet How rentals turned into a long term pipeline 14:48 - 28:42 Why She Wrote Mindset In Motion A Ted talk course triggered the idea She needed a clear repeatable message Turning life wins into a framework Marathon story as the proof point 28:42 - 39:55 The Five Step Method Get clear on one specific goal Choose belief before the how Internalize with writing and vision Activate with people resources and accountability 39:55 - 1:05:49 Momentum Habits and Routine Smallest move when stuck get up and leave home Protect mornings from noise and distractions Her early routine meditation water meetings One on ones to build relationships and referrals 1:05:49 - 1:17:54 Challenge and Closing Seven-day challenge to build momentum Start with ten minutes of daily meditation BNI and community to stay in motion How to connect and what comes next   Quotes: "Action builds momentum. Momentum builds confidence, and confidence delivers results." – Debbi DiMaggio "No is not an option. I finish what I begin." – Debbi DiMaggio "You never know unless you ask." – Debbi DiMaggio "I never know what is going to happen. I am always looking for the magic." – Debbi DiMaggio   To contact Debbi DiMaggio, learn more about her business, and make her a part of your network, make sure to follow her Website, Podcast, X, Instagram, Facebook, YouTube, and LinkedIn.   Connect with Debbi DiMaggio! Website: https://www.debbidimaggio.com Podcast: https://youtube.com/@debbidimaggio X: https://x.com/debbidimaggio Instagram: https://www.instagram.com/debbidimaggio Facebook: https://www.facebook.com/DiMaggioBettaGroup YouTube: https://youtube.com/@debbidimaggio LinkedIn: https://youtube.com/@debbidimaggio   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #MindsetInMotion #RealEstateExcellence #RealEstatePodcast #DebbiDiMaggio #MindsetMatters #Momentum #TakeAction #PeakPerformance #GoalSetting #HighPerformanceHabits #RealEstateAgentLife #RealtorMindset #AuthenticBrand #Networking #OneOnOnes #Accountability #BNI #MarathonMindset #Resilience #PersonalGrowth

The private credit market has grown fivefold since 2008 — it's somewhere near the $2 trillion-mark globally. In this episode, we explain why policies aimed at alleviating the Great Recession triggered an explosion of non-bank lenders, and why their loans are riskier for the economy than traditional loans. Plus: Analysts expect wholesale inflation cooled a bit in January, retailers fret over a late-winter slump, and stock market predictions are sort of like baking a cake. 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.

The private credit market has grown fivefold since 2008 — it's somewhere near the $2 trillion-mark globally. In this episode, we explain why policies aimed at alleviating the Great Recession triggered an explosion of non-bank lenders, and why their loans are riskier for the economy than traditional loans. Plus: Analysts expect wholesale inflation cooled a bit in January, retailers fret over a late-winter slump, and stock market predictions are sort of like baking a cake. 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.

Interview recorded - 19th of February, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming on Barry Eichengreen. Barry is a renowned economist and Professor of Economics and Political Science at the University of California, Berkeley, where he has taught since 1987. He is also the author of many books, including the upcoming book “Money Beyond Borders: Global Currencies from Croesus to Crypto”During our conversation we spoke about his thoughts on the economy, the K-shaped economy, geopolitical shift, move away from the US dollar, what it means for the future and more. I hope you enjoy!0:00 - Introduction1:08 - Overview of the economy2:18 - K-shaped economy3:41 - Geopolitical shift6:13 - Europe becoming a world power?9:23 - US currency12:53 - China be trusted?14:58 - Precious metals movements17:09 - Next reserve currencies?19:58 - US Dollar devaluing21:47 - Bifurcating currency world23:56 - Influence for writing the book?25:58 - Any surprises?28:00 - One message to takeaway?Barry Eichengreen is George C. Pardee & Helen N. Pardee Chair and Distinguished Professor of Economics and Political Science at the University of California, Berkeley, where he has taught since 1987. He is a Research Associate of the National Bureau of Economic Research (Cambridge, Massachusetts) and Research Fellow of the Centre for Economic Policy Research (London, England). In 1997-98 he was Senior Policy Advisor at the International Monetary Fund. He is a fellow of the American Academy of Arts and Sciences (class of 1997). Professor Eichengreen is the convener of the Bellagio Group of academics and economic officials and chair of the Academic Advisory Committee of the Peterson Institute of International Economics. He has held Guggenheim and Fulbright Fellowships and has been a fellow of the Center for Advanced Study in the Behavioral Sciences (Palo Alto) and the Institute for Advanced Study (Berlin). He is a regular monthly columnist for Project Syndicate. His books include The Populist Temptation: Economic Grievance and Political Reaction in the Modern Era (2018), How Global Currencies Work: Past, Present, and Future, with Livia Chitu and Arnaud Mehl, (2017), The Korean Economy: From a Miraculous Past to a Sustainable Future (Harvard East Asian Monographs) with Wonhyuk Lim, Yung Chul Park and Dwight H. Perkins, (2015), Renminbi Internationalization: Achievements, Prospects, and Challenges, co-edited with Masahiro Kawai, (2015), Hall of Mirrors: The Great Depression, The Great Recession, and the Uses-and Misuses-of History, (2015). He was awarded the Economic History Association's Jonathan R.T. Hughes Prize for Excellence in Teaching in 2002 and the University of California at Berkeley Social Science Division's Distinguished Teaching Award in 2004. He is also the recipient of a doctor honoris causa from the American University in Paris.Barry Eichengreen - Website - https://eml.berkeley.edu/~eichengr/X - https://x.com/B_EichengreenBook - https://press.princeton.edu/books/hardcover/9780691280530/money-beyond-borders?_glWTFinance - Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

What does it take to lead a university for over two decades, and still love the work?In this special farewell episode of Start the Week with Wisdom, hosts Bridget Burns and Sarah Custer sit down with President Satish Tripathi of the University at Buffalo as he reflects on a remarkable 22-year legacy of leadership, innovation, and transformation. With retirement on the horizon, President Tripathi shares candid reflections on what's changed, what he's proudest of, and what it really takes to lead through complexity, uncertainty, and change.From moving a medical school to revitalizing a city, to pioneering national research in AI and drug discovery, Tripathi's tenure is marked by bold vision and patient execution. But beyond the milestones, he shares what shaped his leadership, from growing up in a small Indian village to navigating crises like the Great Recession and the COVID-19 pandemic. He also offers unfiltered advice for aspiring higher ed leaders, and a surprising answer about what he's looking forward to most after stepping down.Key Takeaways:→ Big change requires long-term vision: Transformational projects like relocating UB's medical school or launching NSF research centers took years, and a relentless commitment to mission.→ Naivete can be a secret weapon: Not knowing how hard something will be might just be the key to starting it at all.→ Legacy is defined by others: True leadership means focusing on impact, not recognition.→ Leadership evolves: Tripathi now leads with more listening, humility, and trust in his team than when he began.→ Great leadership isn't about the next job, it's about doing the current one with excellence.“If you're always thinking about the next job, you're not doing your current job well. Excellence now is what leads you forward.” – President Satish TripathiIf this conversation inspired you, share it with a colleague, subscribe for more wisdom-filled episodes, and take a moment to journal: what long-term impact are you building today?Learn more about the UIA by visiting:WebsiteLinkedInTwitterYouTubeFacebookThis week's episode is sponsored by Mainstay, a student retention and engagement tool where you can increase student and staff engagement with the only platform consistently proven to boost engagement, retention, and wellbeing. To learn more about Mainstay, click here.

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.       1. An annual review with a client who received 20% return with their index annuity this past year.      2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..      3. Planning meeting that potentially doubled income for retirement.   US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.    Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.   Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.   Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.   Realtor.com states one of the following needs to occur for homebuyer demand to return:      1. Mortgage rates fall to 2.65%.    2. Household incomes rise 56% to a median of $132,171.    3. Median home prices drop 35% to a median of $273,000.

Regulators tightened banking rules after the Great Recession. At a conference yesterday, Federal Reserve Vice Chair Michelle Bowman said the Fed is looking into easing rules for banks in hopes that this may mean more mortgage loans. But it also means banks may be more vulnerable to the next financial crisis. So why now? Plus, we take you on a tour of some of the physical infrastructure powering the AI boom.

Regulators tightened banking rules after the Great Recession. At a conference yesterday, Federal Reserve Vice Chair Michelle Bowman said the Fed is looking into easing rules for banks in hopes that this may mean more mortgage loans. But it also means banks may be more vulnerable to the next financial crisis. So why now? Plus, we take you on a tour of some of the physical infrastructure powering the AI boom.

Jason Green was serving in the Obama White House when a phone call from his mother sent him home to sit with his grandmother in the hospital — and into a story he never knew was his. In this conversation, we talk about the hidden history of Quince Orchard, a Black community founded after emancipation, and three segregated churches that chose to merge in 1968 after Dr. King's assassination. We explore remembrance before reconciliation, the communal strength of the Black church, breaking cycles of harm, and what it actually costs to build resilient, integrated community in a divided time. If you're asking where we go from here — chaos or community — this episode is for you.Jason G. Green is a Maryland-born community organizer, attorney, entrepreneur, and storyteller whose work sits at the intersection of economic opportunity, community trust-building, and democratic renewal. He is the author of the forthcoming book Too Precious to Lose (One World | Penguin Random House, 2026), an intimate narrative that blends a personal, community history with a broader call to repair the connections that bind us together.Green served as Special Assistant to the President and Associate White House Counsel to President Obama, advising on domestic and economic policy during the recovery from the Great Recession. He later co-founded SkillSmart, a pioneering workforce and economic-impact software company that has helped quantify more than $100 billion in economic development activity and supported a talent pipeline of more than 50,000 skilled workers across the United States.He is the President and CEO of EverGreen Labs, a strategy studio that helps organizations deepen stakeholder alignment, improve market positioning, and drive measurable business outcomes. Green previously served as Executive-in-Residence at Zeal Capital Partners, supporting early-stage companies focused on the future of work, financial technology, and health equity.A civic leader deeply committed to history, memory, and reconciliation, Green is a trustee of the Pleasant View Historic Association and a founding commissioner and former chair of the Montgomery County Commission on Remembrance and Reconciliation. His award-winning PBS documentary, Finding Fellowship, explores the intertwined Black and white history of Quince Orchard and the community-led fight to preserve its legacyGreen has served several corporate and nonprofit boards, including Daivergent, Flare, Clear Impact, Per Scholas, the Arena, the Washington University Alumni Board of Governors and Regional Cabinet, and the Yale Law School Executive Committee and is a non-resident fellow at the Urban Institute. He holds a J.D. from Yale Law School and a B.A. from Washington University in St. Louis.His work—spanning technology, public service, storytelling, and community leadership—is rooted in a belief that our shared future depends on our capacity to connect and build together. Green currently lives in Dallas, Texas, with his wife Ritu and their son Aidan.Jason's Book:Too Precious to LoseJason's Recommendation:Great ExpectationsConnect with Joshua: jjohnson@shiftingculturepodcast.comGo to www.shiftingculturepodcast.com to interact and donate. Every donation helps to produce more podcasts for you to enjoy.Follow on Facebook, Instagram, Twitter, ThreaGet Your Sidekick Support the show

Gene Sperling — the only person to serve as Director of the National Economic Council under two presidents (Clinton and Obama), a senior advisor to President Biden who oversaw the American Rescue Plan, and a consultant and co-writer on NBC's The West Wing — joins the Chuck Toddcast for a wide-ranging conversation. Sperling shares the wild story of how he ended up in Santa Monica, his brush with Aaron Sorkin's legal troubles, and his insider take on how real Washington compares to its fictional portrayals. The conversation then turns to Sperling's deep expertise on the economy, from his defense of the Biden administration's "soft landing" amid global post-Covid inflation to the political lessons of how rising prices have sunk presidencies on both sides of the aisle — including Biden's own re-election bid. The back half of the episode looks squarely at the future. Sperling, who says he's unlikely to serve in another Democratic administration, offers a forceful argument about what comes next: the rising threat of unchecked corporate and tech power, the urgent need for AI policy that puts working people first, and the lessons of globalization that policymakers can't afford to repeat. Drawing on themes from his book Economic Dignity, he makes the case that Americans are hungry for leaders who pair optimism with a real confrontation of economic injustice — and warns that a handful of AI and crypto companies, flush with lobbying dollars, could end up shaping the structure of the economy if left unchallenged. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Gene Sperling joins the Chuck Toddcast 02:00 The wild story of how Gene ended up in Santa Monica 03:15 Aaron Sorkin couldn’t meet with Gene due to legal trouble 06:15 Real politics/news look nothing like “West Wing” or “The Newsroom” 07:30 The one truism about the West Wing is good people trying to do good 09:15 Politics is NOT like House of Cards 10:45 West Wing still remains viable, any chance of a reboot? 12:00 What’s the state of the economy? What do you look for? 12:45 Biden economy was strong growth, but high inflation 13:30 Biden achieved the “soft landing” they were trying for 14:45 Inflation was global and mostly due to Covid supply chain shocks 16:15 The American Rescue Plan had many positive effects 17:15 Every head of state poured money into economies during Covid 18:15 Covid was going to result in either inflation or recession 20:00 Obama couldn’t pass enough stimulus during Great Recession 21:00 A little extra stimulus can help offset future unknowns 21:45 Millennials’ future was permanently damaged by Great Recession 23:00 A generation had never seen high inflation until Covid 24:00 Anger over inflation sunk Biden’s re-election 25:00 Inflation is bipartisan, took down 3 different presidents 26:00 Inflation affects everyone, jobs & unemployment don’t 27:15 Every head of state suffered politically post pandemic 29:15 Will Biden baggage sink Pete Buttigieg, or is that overstated? 31:00 Biden’s conflict was empathy for suffering vs touting achievements 33:15 Biden had the tiniest of margins to pass major legislation 34:30 Gene is unlikely to work in a future Democratic administration 35:15 Pitchforks are being sharpened for corporations and big tech 36:00 Will worker rage fuel the next election? 37:00 Presidents that do well offer optimism, but confront economic injustice 38:30 People don’t want to feel like they are being extracted for profits 40:30 AI growth can’t come at the expense of working people 42:00 AI policy should be shaped around improving conditions for people 43:15 What lessons from globalization can be used to alleviate AI disruption? 45:00 Clinton believed in robust response to globalization 46:00 Clinton couldn’t implement strong safety net after losing congress 47:45 You have to have policies where people don’t feel left behind 49:30 We need to create and fund jobs that create dignity 50:15 We need to create an economic dignity floor for all Americans 52:15 When is a company too big to regulate? 54:30 If companies are disproportionately determining policies, they’re too big 55:15 Crypto & AI are getting what they want from huge lobbying money 56:00 A handful of AI companies could determine structure of the economy 58:15 The Trump White House has invited corporate influenceSee omnystudio.com/listener for privacy information.

Chuck Todd takes a hard look at the state of American governance and institutional trust — or the lack of it. He starts by reflecting on the historical significance of three consecutive one-term presidents, ranking his top five most underrated commanders-in-chief and arguing that both Biden and Trump are unlikely to be viewed as consequential a century from now. From there, Todd pivots to a searing indictment of the current moment: from the Epstein reckoning exposing the government's inability to tell the truth, to DHS being treated as a political plaything by Kristi Noem and Corey Lewandowski, to the DOD endangering lives in the El Paso FAA incident with zero accountability, to Moderna alleging that HHS refused to even review an mRNA flu vaccine under RFK Jr.'s watch. He connects the dots across a pattern of institutional dishonesty — a Justice Department focused on narrative management, masked ICE agents no one can justify, a fired antitrust chief clearing the way for powerful interests, and a "hostage system" style of governing that holds federal paychecks as leverage — making the case that when the government lies this often, it forfeits the benefit of the doubt on everything, and that the Epstein scandal isn't just a story about one man, but a mirror reflecting a system designed to protect the powerful. Then, Gene Sperling — the only person to serve as Director of the National Economic Council under two presidents (Clinton and Obama), a senior advisor to President Biden who oversaw the American Rescue Plan, and a consultant and co-writer on NBC's The West Wing — joins the Chuck Toddcast for a wide-ranging conversation. Sperling shares the wild story of how he ended up in Santa Monica, his brush with Aaron Sorkin's legal troubles, and his insider take on how real Washington compares to its fictional portrayals. The conversation then turns to Sperling's deep expertise on the economy, from his defense of the Biden administration's "soft landing" amid global post-Covid inflation to the political lessons of how rising prices have sunk presidencies on both sides of the aisle — including Biden's own re-election bid. The back half of the episode looks squarely at the future. Sperling, who says he's unlikely to serve in another Democratic administration, offers a forceful argument about what comes next: the rising threat of unchecked corporate and tech power, the urgent need for AI policy that puts working people first, and the lessons of globalization that policymakers can't afford to repeat. Drawing on themes from his book Economic Dignity, he makes the case that Americans are hungry for leaders who pair optimism with a real confrontation of economic injustice — and warns that a handful of AI and crypto companies, flush with lobbying dollars, could end up shaping the structure of the economy if left unchallenged. Finally, Chuck hops into the ToddCast Time Machine to revisit the publishing of the Communist Manifesto and argues that while its critiques of the excesses of capitalism were correct… it’s revolutionary prescriptions led to the worst authoritarian states in modern history. He also answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 03:30 We’ve had 3 straight one term presidents, deem them all failures 04:45 Inability to win reelection will always be seen as an asterisk 05:45 Top 5 most underrated presidents 06:00 James Polk was the only voluntary one term president 06:45 James Garfield was a fierce advocate for civil rights 07:30 George H.W. Bush was accomplished, but not a good politician 08:30 John Quincy Adams laid out modern American infrastructure 09:00 Jimmy Carter did many things that have aged well 10:15 In 100 years, Biden & Trump likely won’t be viewed as consequential 11:45 Biden & Trump can’t be evaluated fairly for many years 12:30 What does a real reckoning look like in the Trump era? 13:45 The institution least capable of reckoning with Epstein is the government 14:15 The private sector is forcing accountability, the government isn’t 15:15 Trust is the currency of government, and Trump’s doesn’t have it 16:15 The Justice Department is only worried about narrative management 17:30 The system looks like a club, designed to protect the powerful 18:45 Epstein is a test of whether the government can tell the truth 20:00 DHS shutting down, politicians using paychecks as leverage 20:30 We a governing via a “hostage system” 21:45 There isn’t a single good argument for masking ICE agents 22:15 The Democrats’ demands are not extreme, they’re common sense 23:15 Noem & Lewandowski treating DHS like their personal plaything 24:00 Pattern of government saying one thing, facts saying another 25:15 Whatever Noem says first, you can’t believe it. She gaslights the public 26:00 The government has lied too many times, gets no benefit of the doubt 26:45 El Paso FAA incident is case study for public distrusting institutions 27:45 DoD was lying to the FAA, FAA pulled the emergency brakes 29:00 DoD put lives in danger with no accountability 29:30 Moderna says HHS refused to review MRNA flu vaccine 30:15 The U.S. is not a stable country to develop & release products 31:00 Kennedy only offers crackpot theories & totally unfit for office 32:00 We can’t trust the government to tell us the truth about anything 32:30 DOJ fired antitrust chief, powerful interests get what they want 34:00 Epstein isn’t just a scandal, it’s a mirror 43:30 Gene Sperling joins the Chuck Toddcast 45:30 The wild story of how Gene ended up in Santa Monica 46:45 Aaron Sorkin couldn’t meet with Gene due to legal trouble 49:45 Real politics/news look nothing like “West Wing” or “The Newsroom” 51:00 The one truism about the West Wing is good people trying to do good 52:45 Politics is NOT like House of Cards 54:15 West Wing still remains viable, any chance of a reboot? 55:30 What’s the state of the economy? What do you look for? 56:15 Biden economy was strong growth, but high inflation 57:00 Biden achieved the “soft landing” they were trying for 58:15 Inflation was global and mostly due to Covid supply chain shocks 59:45 The American Rescue Plan had many positive effects 1:00:45 Every head of state poured money into economies during Covid 1:01:45 Covid was going to result in either inflation or recession 1:03:30 Obama couldn’t pass enough stimulus during Great Recession 1:04:30 A little extra stimulus can help offset future unknowns 1:05:15 Millennials’ future was permanently damaged by Great Recession 1:06:30 A generation had never seen high inflation until Covid 1:07:30 Anger over inflation sunk Biden’s re-election 1:08:30 Inflation is bipartisan, took down 3 different presidents 1:09:30 Inflation affects everyone, jobs & unemployment don’t 1:10:45 Every head of state suffered politically post pandemic 1:12:45 Will Biden baggage sink Pete Buttigieg, or is that overstated? 1:14:30 Biden’s conflict was empathy for suffering vs touting achievements 1:16:45 Biden had the tiniest of margins to pass major legislation 1:18:00 Gene is unlikely to work in a future Democratic administration 1:18:45 Pitchforks are being sharpened for corporations and big tech 1:19:30 Will worker rage fuel the next election? 1:20:30 Presidents that do well offer optimism, but confront economic injustice 1:22:00 People don’t want to feel like they are being extracted for profits 1:24:00 AI growth can’t come at the expense of working people 1:25:30 AI policy should be shaped around improving conditions for people 1:26:45 What lessons from globalization can be used to alleviate AI disruption? 1:28:30 Clinton believed in robust response to globalization 1:29:30 Clinton couldn’t implement strong safety net after losing congress 1:31:15 You have to have policies where people don’t feel left behind 1:33:00 We need to create and fund jobs that create dignity 1:33:45 We need to create an economic dignity floor for all Americans 1:35:45 When is a company too big to regulate? 1:38:00 If companies are disproportionately determining policies, they’re too big 1:38:45 Crypto & AI are getting what they want from huge lobbying money 1:39:30 A handful of AI companies could determine structure of the economy 1:41:45 The Trump White House has invited corporate influence 1:49:45 What if Ro Khanna and Thomas Massie ran on “accountability” ticket 1:51:00 A bipartisan ticket of “pox on both their houses” could be powerful 1:51:45 ToddCast Time Machine February 21st, 1848 1:52:00 Marx & Engels publish the communist manifesto 1:52:45 Monarchies were colliding with modern economic forces 1:54:15 Marx argued that capitalism is destabilizing if left unchecked 1:55:15 If the manifesto was called something else, how would we view it? 1:55:45 Marx doesn’t argue reform, says that capitalism will destroy itself 1:56:30 Communist states didn’t emerge until decades after manifesto 1:57:15 Manifesto gave dictators arguments to grab power 1:58:00 Marx talked in economics, dictators exploited his language 1:59:30 Communism took hold in places where industrialization fell behind 2:00:15 Manifesto gets invoked badly by both sides in American politics 2:01:00 Marx’s diagnosis was spot on, his solutions were questionable 2:02:30 Lack of regulation for AI will push people to radicalism 2:03:00 Ask Chuck 2:03:15 Does something seem off with the administration’s economic numbers? 2:07:30 Do we need a punchier title than “Gate” for political scandals? 2:10:00 Do we need to withhold congressional salaries during shutdowns? 2:14:00 Missing intellectuals like Rahm Emmanuel leading the country 2:16:00 What is the criteria for impeachment of cabinet members? 2:18:45 Favorite football/baseball players as a kid?See omnystudio.com/listener for privacy information.

Don't miss this special 3-year anniversary of 'Catching Up to FI' as Bill marks the moment by doing something he's been helping everyone else do for years: officially 'coming out' as financially independent (FI)! It is hard to believe that the show has been around for 3 years, 196 episodes, 20k Facebook Community members, 1.4M audio downloads and 300k views on YouTube. Is this real?   Today we celebrate Bill's journey from Episode #1: 'A Boat Named Yolo', to officially reaching FI, but feels more like the 'The Fog of FI'. During this interview, Jackie gets Bill to open up and vulnerably share details of his wake-up call at 50: burned out, sued, house-poor after a disastrous renovation and de-risking at the bottom of the Great Recession, and still living paycheck to paycheck despite a 'rich doctor' income. He walks through discovering FI via blogs and books, taking a full year to reclaim his money from private bankers and whole life policies (he's naming names!). Bill's real superpower was boosting his savings rate up to ~40% in his early 50s using Mr. Money Mustache's 'shockingly simple math' to accept a 10 to 15-year timeline.   Fast-forward to 60 and a retirement-readiness check with a flat-fee, advice-only planner: after three years of expense tracking in Monarch Money, a comprehensive plan, and stress-testing with risk-parity portfolios, Bill gets the verdict every late starter dreams of, 'you could retire tomorrow'— and feels weirdly flat. We also dig into the emotional side: the identity crisis of possibly leaving medicine, using newfound leverage to negotiate work on his own terms, the choice to glide out over several years instead of cliff-retiring, and the shift from building wealth to giving with warm hands, mentoring younger docs, and helping his adult sons lay foundations he never had.   We close with Bill's hard-earned advice:  ➡️ Reverse-engineer your life from your tombstone ➡️ Focus on health span as fiercely as net worth ➡️ Stop over-identifying with your job or your number ➡️ Remember that for late starters, the real win is feeling less alone while you build a life you won't regret.   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

EPISODE SUMMARY In this deeply personal episode, Gary shares the full story behind one of the most common questions he receives: Why would a nuclear submarine commander on track for admiral leave it all to sell life insurance? The answer isn't about career change — it's about calling. Gary walks through pivotal life moments: growing up broke, attending the Naval Academy, commanding a submarine, losing half his wealth in the Great Recession, and realizing he had outsourced responsibility for his financial future. That wake-up call forced him to rethink everything — not just investing, but fatherhood, leadership, and legacy. He explains how shifting from market speculation to real estate ownership and liquidity-based financial strategies changed his trajectory. He also shares how mentorship at Paradigm Life introduced him to the power of safe, liquid capital as a foundation for business growth. Ultimately, this episode is about agency — taking control of your household first, then helping others scale their gifts through business ownership, liquidity, and intentional wealth-building. This is not just a career story. It's a mission story.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360   KEYWORDS Agency Financial independence Liquidity Infinite banking Hierarchy of wealth Real estate investing Business ownership Exit planning Financial responsibility Leadership transition Wealth control Family legacy Liquidity strategy Personal finance awakening Economic resilience EPISODE HIGHLIGHTS 00:00–01:05 - Why Gary left a fast-track Navy career on the path to Admiral 01:05–02:12 - The tension between career prestige and personal calling 02:12–03:22 - Early life struggles and the Naval Academy opportunity 03:22–05:00 - His mother's life insurance payout and financial turning point 05:00–06:29 - The realization: outsourcing your finances is a mistake 06:29–07:45 - Losing half his wealth during the Great Recession 07:45–09:07 - Why market losses matter most when timing collides with life decisions 09:07–10:38 - The danger of blind trust in financial "professionals" 10:38–12:13 - Real estate as control vs. market speculation 12:13–13:45 - Liquidity as staying power during crisis 13:45–15:27 - Infinite Banking and building a tier-one foundation 15:27–17:43 - Why government contracting didn't align with his mission 17:43–19:32 - The turning point conversation with Patrick Donahoe 19:32–21:05 - Helping business owners scale their agency 21:05–23:12 - Wealth as fuel for impact — not status 23:12–End - Business ownership as a megaphone for your God-given talents  

As we approach the end of our season highlighting alumni from the University and the impact that the David Eccles School of Business has had on their lives and careers, we welcome back guest-host Annesley Womble, who talks with Dalton Wright, General Partner at Kickstart, a seed-stage venture capital firm with offices in Salt Lake City and Denver.Dalton shares his unique career journey, which began with his involvement in the University Venture Fund and progressed to significant roles in venture capital, including helping to develop Utah's first seed fund through Kickstart. He also discusses his non-linear career path, which included launching a startup and strategically working in venture capital in Mexico.The University of Utah played a critical role in supporting Kickstart during its early formation, providing guidance and infrastructure as the company navigated the challenges of launching a startup. Kickstart's initial investment meetings were held at the University of Utah Technology Transfer Office, and the University was instrumental in the firm's successful launch. Dalton also helped develop the Campus Founders Fund, a student-run investment fund established after his return to Utah. Today, the fund has invested in more than 30 student startups, including one that now generates several hundred million dollars in annual revenue. This University of Utah initiative has helped launch the careers of many students into the venture capital industry.Dalton emphasizes the importance of embracing change, redefining risk, and maintaining curiosity amid the evolving technological landscape. This episode is filled with insights on entrepreneurship, venture capital, and the value of pursuing passion over a linear career path.Eccles Business Buzz is a production of the David Eccles School of Business and is produced by University.fm.Eccles Business Buzz is proud to be selected by FeedSpot as one of the Top 70 Business School podcasts on the web. Learn more at https://podcast.feedspot.com/us_business_school_podcasts. Episode Quotes:Why the best career opportunities often look uncertain at first[10:31] When Kickstart was launching, I saw that as my opportunity to learn seed-stage venture capital with somebody who was the founder, the entrepreneur in that category. And so I was lucky enough to get the job as the first hire with the fund. We had $4 million under management at the time. This is the 2008 Great Recession. So I can empathize with any cohort of students who's graduating and wondering, like, is the world going to change forever? And will there ever be employment opportunities for me again? You know, nobody wanted to fund our fund. People saw it as like a community service project support entrepreneurs, but nobody was looking at it as these guys are going to go build like a franchise venture capital fund. But, you know, most good things look like that in the beginning. They're not yet exciting, they're not yet successful, and you have to be able to suspend what you see in the present moment and imagine what this thing can become in the future.Getting comfortable with fear and risk can help you explore a non-linear career path[11:57] There's one point right after graduating from college where my peers were all pursuing the linear path, and I'm not in any way saying, "Oh, like, they made the wrong choice," because, like, I mean, so many people have different preferences, values, things that they're trying to optimize for. So I never am trying to, like, say, "But my way is like, let me give someone else advice," because my way was my way, and it might not work for somebody else who even wants the same thing, let alone something entirely different. So I decided very early on that I was going to condition myself to feel comfortable with my fears and feel comfortable with the risks that I was taking. And so I think reframing what a risk is is really important if you want to take the nonlinear path.On why knowing your “why” matters more than money when building a startup[35:16] I've encouraged students to really think about the why behind what they're doing. And if it's to make money, a lot of money, it's like you can use that as a motivator, but there's also a lot of maybe easier ways or better ways, faster ways to have that need met. And so when you're grinding it out and you're not making money as a founder, and all of a sudden it's like, Hey, you can go take the consulting job and immediately have like a nice salary. Or you could potentially go get that, what causes you to say, Why would I ever consider that? And so I think if you know why you're building the thing and it's like truly rooted in the problem that you're trying to solve, the customers that you're serving, the change that you want to make in the world, if it's rooted in that, then you can lean on that through the down times to inspire you through that.Show Links:Dalton Wright | LinkedInProfile | Kickstart FundDavid Eccles School of Business (@ubusiness) | InstagramUndergraduate Scholars ProgramsRising Business LeadersEccles Alumni Network (@ecclesalumni) | Instagram Eccles Experience Magazine

Episode SummaryIn this episode of Tacos & Tech, Neal Bloom sits down with Juanny Romero, founder and CEO of Mothership Coffee Roasters, for a raw and deeply human conversation about building businesses rooted in belonging—not hustle.Juanny shares her journey from growing up in Queens, leaving New York after 9/11 in search of agency, opening her first café in Las Vegas with no business plan during the Great Recession, and learning math from fifth-grade textbooks to keep the business alive. What started as a single café became Mothership—now an eight-figure company built around community, connection, and purpose.The conversation explores loneliness in modern society, why baristas are “architects of meaning,” and how revenue becomes a byproduct when people feel they belong. Juanny also shares her bold next chapter: slowing down, rejecting hustle culture, and empowering 1,000 women to become millionaires by giving Mothership away like seeds.Key Topics* Failing forward and finding agency* Building community as the real product* Opening during the Great Recession* Learning numbers to trust intuition* Scaling without losing soul* COVID, chaos, and creativity* Belonging as a business advantage* Mentorship, incentives, and boundaries* Redefining success beyond moneyLinks* Mothership Coffee RoastersConnect on LinkedIn* Juanny Romero* Neal Bloom This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit risingtidepartners.substack.com/subscribe

In this episode, we talk with Melissa A. Washington, award-winning advocate, speaker, author, entrepreneur, and U.S. Navy veteran, about intentional leadership, visibility without compromise, and building community that actually works. Melissa is the founder of Women Veterans Alliance, co-founder of Women Veterans Magazine, and the creator of Veteran Events, a national platform supporting veteran and military-connected communities. From enlisting in the Navy at 18 to reinventing her career during the Great Recession, Melissa shares powerful insights on resilience, reinvention, and creating infrastructure that leads to sustainable impact. This conversation is essential for women veterans, entrepreneurs, nonprofit leaders, and anyone building mission-driven organizations with purpose and clarity. What You'll Learn What intentional leadership really looks like Why visibility matters—without burnout or compromise How community and infrastructure drive lasting impact Lessons from career reinvention and entrepreneurship What it means to be fierce, fearless, and unfuckable in life and business About the Guest Melissa A. Washington is an award-winning advocate, speaker, author, entrepreneur, publisher, and U.S. Navy veteran. She is the founder of Women Veterans Alliance, co-founder of Women Veterans Magazine, and creator of Veteran Events. Melissa supports women veterans, founders, and mission-driven organizations through leadership, strategy, and visibility. Website: https://www.melissawashington.com Women Veterans Alliance: https://www.womenveteransalliance.com LinkedIn: https://www.linkedin.com/in/melissawashington

This week's guest is Elizabeth Gonzales James, screenwriter and bestselling author of the novels, “The Bullet Swallower” and “Mona at Sea,” as well as the chapbook, “Five Conversations About Peter Sellers.”“The Bullet Swallower” is based on mostly true events from her own family lore, a magical realism Western that was named a best book of 2024 by NPR and Esquire.“Mona at Sea,” is a darkly funny coming of age story set against the backdrop of the Great Recession that was inspired by her own experience of long-term unemployment.And “Five Conversations About Peter Sellers” is the result of Elizabeth attempting to sit down and write a reported piece on how the actor Peter Sellers derailed the production of a 1960s movie, “Casino Royale.” That's when the book spins into its own chaos as five different narrators share their point of view about what the original essay is really about.We covered:- How she went from MBA graduate prepping for a career in finance to an unemployed stay at home mom living in her in-law's basement- The one, unfleshed-out idea for a short story that set her on the writing path (with a nudge from the creator of The Perfect Push-up, a made for TV fitness product)- How writing books is like dating- A detailed accounting of the financials for each of her book–and how she knew “The Bullet Swallower” would be her “put-my-kids-through-college” book- Making the jump from writing books to writing screenplays- Why, sometimes, all the tips in the world can't help you write more–and how to give yourself grace during those times- Knowing when to push and be disciplined, and when to back off- Her current productivity hack that involves handicraftsConnect with Elizabeth on Instagram @unefemmejames.For full show notes with links to everything we discuss, plus bonus photos!, visit katehanley.substack.com.Thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Enlightened Family Business Podcast Ep. 153 - A Family Built Startup Story From The Kitchen Table with Mehmet Tascioglu   In this episode of the Enlightened Family Business Podcast, host Chris Yonker interviews Mehmet Tascioglu, the Gen Z founder of Mosaic Cakes, a unique family business based in the Detroit area. Mehmet shares his entrepreneurial journey, starting from his family's experience during the Great Recession, through his initial ventures like Connect Me Tutoring, to the establishment of Mosaic Cakes. The discussion delves into the values instilled by Mehmet's father, the significance of family collaboration, navigating decision-making, and the challenges of introducing a new product to the market. Mehmet offers insights on the importance of mentorship, the influence of cultural heritage, and his vision for Mosaic Cakes as a symbol of the American melting pot. The conversation also explores generational differences, the role of tradition and innovation in family businesses, and the aspiration to build an ethical and impactful brand.   ·       00:54 Meet the Gen Z Founder: Mehmet Tascioglu ·       03:14 The Origin Story of Mosaic Cakes ·       05:38 Building a Business During the Pandemic ·       09:10 The Unique Appeal of Mosaic Cakes ·       13:24 Family Dynamics in Business ·       18:24 Leadership and Decision Making ·       19:08 Defining Family Business Values ·       20:21 Family Influence on Business ·       25:23 Generational Perspectives and Challenges ·       32:12 The Importance of Mentorship ·       34:24 Future Plans for Mosaic Cakes   Websites: ·       fambizforum.com. ·       www.chrisyonker.com ·       Linkedin: @mehmet-tascioglu ·       Instagram: @mosaic_cakes ·       Tiktok @mosaiccakes   Mehmet's Bio: Mehmet is Co-Founder & Managing Partner at Mosaic Cakes. Prior to starting Mosaic Cakes, Mehmet founded the nonprofit Connect Me Tutoring in 2020, which has since grown into the nation's largest youth-run free tutoring service, providing over 40,000 sessions. Mosaic Cakes is a Michigan-based gourmet dessert company pioneering an entirely new category in the American market. Founded by Mehmet (Stanford MS&E), his mother Senay, and his brother Emir, the company transforms a cherished family recipe into handcrafted premium triangular cakes featuring crushed butter cookies folded into signature chocolate sauce with fresh fruits, crunchy nuts, or other premium ingredients, creating a stunning mosaic pattern in every slice. What began as a beloved family tradition—a dessert the founders grew up enjoying at birthday parties, family gatherings, and celebrations—has become a thriving direct-to-consumer and wholesale business. Throughout their lives, the family witnessed how even the pickiest eaters absolutely loved these cakes, validating that this exceptional flavor experience deserved to be shared with communities across America. At its core, the company's mission centers on positivity, inclusivity, and courage, helping Americans discover a dessert experience unavailable anywhere else in grocery stores, bakeries, or restaurants while building a values-driven business that celebrates family heritage and entrepreneurial spirit.

February, 8 2026, 8AM; This week the Labor Department said job openings in December dropped to their lowest level in five years,and layoffs surged in January to their highest level since 2009 during the Great Recession. Even members of President Trump's party are raising the alarm heading into this year's midterms. Senate Repbulicans worry backlash to Trump's handling of the economy and his aggressive deportation policies could cause a Democratic wave that sweeps both the House and Senate. Rep. Debbie Dingell (D-MI) joins The Weekend to discuss the current state of the economy. Actor Lena Waithe also joins The Weekend to discuss her new play Trinity and the Trump administration's attempt to rewrite Black history in America.For more, follow us on social media:Bluesky: @theweekendmsnow.bsky.socialInstagram: @theweekendmsnowTikTok: @theweekendmsnow To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of the MeidasTouch Podcast, we break down the explosive fallout from the latest Epstein Files release, from sudden corporate resignations at home to political shockwaves overseas, and examine new questions about whether Donald Trump was secretly meeting with Epstein in the lead-up to his first term. We also react to Trump's truly bizarre interview on NBC News, unpack devastating new economic data as layoffs surge to Great Recession–level territory and Bitcoin takes a sharp dive, and analyze Democrats' aggressive cross-examination of Treasury Secretary Scott Bessent on Capitol Hill. Ben, Brett, and Jordy discuss all this and more. Subscribe to Meidas+ at https://meidasplus.com Get Meidas Merch: https://store.meidastouch.com Deals from our sponsors!  Better Help: Visit https://BetterHelp.com/meidas to get 10% off your first month. Select Quote: Save more than 50% on term life insurance at https://SelectQuote.com/meidas today to get started! ZBiotics: Head to https://zbiotics.com/MEIDAS to get 15% off your first order when you use MEIDAS at checkout. Fatty15: Get an additional 15% off their 90-day subscription Starter Kit by going to https://fatty15.com/meidas and using code: MEIDAS at checkout. Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

#687: Your tax refund might be $300 to $1,000 bigger this year, and that's just the beginning of what's changing with your money. The Tax Foundation estimates most Americans will see significantly larger refunds thanks to seven major tax cuts. The child tax credit increased by $200. The standard deduction jumped by $750 for individuals or $1,500 for couples. The state and local tax deduction cap now sits at $40,000. Seniors get an extra $6,000 deduction, and deductions for auto loan interest, tips, and overtime work all increased. Retirement accounts saw major changes too. Catch-up contributions for high earners now must go into Roth accounts, which pushed thousands of employers to add Roth options to their 401k plans between 2024 and 2026. Kevin Warsh, the new Fed chair nominee, thinks the Federal Reserve has been doing it all wrong. The former Fed governor and Wall Street banker believes the Fed focuses too much on backward-looking data and reacts too slowly. He wants strategic, forward-thinking policy instead of chasing lagging indicators. President Trump clarified he never asked Warsh to lower interest rates and wanted to "keep it pure." The labor market shows serious cracks. Job openings dropped by nearly one million year over year to 6.5 million. Unemployment claims jumped to 231,000 last week. January layoffs hit 108,435 people — up 118 percent from last year and the worst January since 2009 during the Great Recession. Big Tech continues its massive AI spending spree. Microsoft, Amazon, Google, Meta, and Oracle will collectively spend over $500 billion on AI infrastructure this year. Google's spending alone doubled from 2025, reaching up to $185 billion focused on data centers and Gemini development. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Midterm worries grow as Republicans fear backlash to the administration's policies could cost them Congress – Rep. Ro Khanna (D-CA), who pushed for the Epstein files release, demands answers on the DOJ's redactions – & troubling signs for the economy as jobless claims in January reach the highest number since the Great Recession. Peter Baker, David Drucker, Joyce Vance, Catherine Rampell, Justin Wolfers, Rep. Ro Khanna, and Jonathan Haidt join The 11th Hour this Thursday night. To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jim and Eric kick off this week's show with a mix of snarky social media, surprising Super Bowl ads, and listener-driven questions before pivoting into a deep historical dive. From Universal's well-timed trolling of Disney to a fascinating look at a Middle East theme park that almost happened, this episode blends breaking news with one of those long-form Universal history lessons Jim is known for. NEWS • Universal Orlando trolls Disney following the closure of Dinosaur with a pointed Jurassic Park social post • Xfinity debuts a Super Bowl ad reuniting the original Jurassic Park cast, directed by Taika Waititi • Universal explores walkaround Jurassic Park characters including John Hammond, Ian Malcolm, and Dennis Nedry • Ongoing fan speculation around the Oz-tacular Spectacular trademark and where a Wicked-themed show could land • Listener questions about Epic Universe character appearances, including the elusive Donkey Kong meet-and-greet FEATURE • A detailed history of Universal Studios Dubailand - the ambitious Middle East park that was announced, partially built, and ultimately abandoned • How the Great Recession stalled Universal's international expansion plans • Why Universal quietly walked away from Dubailand after nearly a decade • How this abandoned project connects to Universal's renewed interest in the Middle East and a possible Saudi Arabia theme park HOSTS • Jim Hill - IG: @JimHillMedia | X: @JimHillMedia | Website: JimHillMedia.com • Eric Hersey - IG: @erichersey | X: @erichersey | Website: strongmindedagency.com FOLLOW • Facebook: JimHillMediaNews • Instagram: JimHillMedia • TikTok: JimHillMedia SUPPORT Support the show and access bonus episodes and additional content at Patreon.com/JimHillMedia. PRODUCTION CREDITS Edited by Dave Grey Produced by Eric Hersey - Strong Minded Agency SPONSOR Be Our Guest Vacations Are you planning your next Universal or Disney adventure? Let the experts at Be Our Guest Vacations handle the details. As a Platinum level Authorized Vacation Planner, they offer top-tier concierge service for Universal Orlando, Universal Studios Hollywood, Disney destinations, cruises, and more. Start planning today at BeOurGuestVacations.com and be sure to let them know the Epic Universal Podcast sent you. If you would like to sponsor a show on the Jim Hill Media Podcast Network, reach out today. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mamdani caps 1 month of betrayal with endorsement of right-wing Democrat Kathy Hochul / Layoffs by US firms tripled in January, as mass job cuts accelerate to Great Recession levels / Trump calls for country to “move on” from Epstein files, as scale and scope of criminality, cover-up expand

Finally some good news from the Supreme Court. Donald's pal Kid Rock has his own child rape problem. JD Vance praises Kid Rock ahead of halftime show. Another banner week for the “businessman president.” Highest layoffs since the Great Recession. Economy only added 22K jobs in January, far below expectations. Donald praises his torture ally at Prayer Breakfast. Scott Bessent stands by his awful remarks about Alex Pretti. Evidence that Melania movie tickets were bulk purchased. How to buy podcast downloads. The Washington Post laid off about one-third of its staff. With Jody Hamilton, music by Monday Favors, Seth Adam, and more! Brought to you by Russ Rybicki, SharePower Responsible Investing. Support our new sponsor and get free shipping at Quince.com/bob! Sign up for Buzz Burbank's Substack.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Planet Money book tour ticket info and dates here. A record number of Americans with poor or just okay credit are behind on their car payments. And once last year's numbers are tallied, an estimated 3 million cars will have been repossessed in 2025. That would be on par with how bad it got during the Great Recession. What's going on? And why now? Today on the show, we focus on the micro part of the story to answer the macro question. First, we hear a favorite story of ours from 2019. We follow the lifecycle of a delinquent car loan from three different perspectives: the salesman, the driver, and the repo man. Then we'll hear an update from them in 2026 as we try to find out why so many Americans are behind on their car payments. Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode is hosted by Kenny Malone and Preeti Varathan. It was originally produced by Darian Woods and edited by Bryant Urstadt. Our update was reported by Vito Emanuel and produced by Sam Yellowhorse Kesler, and edited by Planet Money's executive producer, Alex Goldmark.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Dave Rubin of "The Rubin Report" talks about "The View's" Whoopi Goldberg freaking out on-air about how she may be the next journalist arrested after Don Lemon's arrest for violating the FACE Act by participating in the Minnesota church protest against ICE; "The View's" Ana Navarro having her hypocrisy about a her feelings on grand juries exposed after a grand jury charged Don Lemon for breaking the law by participating in the Minnesota church protest against ICE; Don Lemon and Jimmy Kimmel discussing the details of his arrest while leaving out some significant information for why the grand jury charged him; an Australian immigrant successfully raising money on GoFundMe so he can come to the United States to live in Billie Eilish's Malibu mansion after she declared that there are no illegals on stolen land at the Grammys; Chris Madel arguing with CNN's Abby Phillip about Billie Eilish's anti-ICE comment at the Grammys and why regular people no longer care about celebrity activism; Zohran Mamdani telling CNBC's Andrew Ross Sorkin why NYC's budget is in a financial crisis not seen since the Great Recession, and that the only way to solve it is to tax the rich; CNN's Harry Enten sharing some troubling polling data for Donald Trump and the Republican Party after Texas' special election; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Rumble Wallet - Don't let the big banks freeze your accounts. Own Tether Gold - real gold, on the blockchain and get direct ownership of physical gold bars, each one fully allocated, verifiable by serial number, purity, and weight. Download Rumble Wallet now and step away from the big banks — for good!  Go to: https://rumblewallet.onelink.me/bJsX/... Covepure -  A countertop water purifier certified to remove up to 99.9% of impurities including fluoride, PFAs, fertilizer runoff, pharmaceuticals, and others. Go to https://covepure.com/rubin to get $200 off for a limited time only! Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Whether you owe a few thousand or a few million, they can help you. Call 1(800)-958-1000 for a private, free consultation or Go to: https://tnusa.com/dave

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture CA is a disaster, Newsom ran it into the ground follow the great reset and the green new scam. Now people and business are escaping. Walmart is leaving. Energy is the key to a strong manufacturing economy. Poland ramps up on gold. Gold has now overtaken the treasuries, everything is changing. The [DS] is panicking, they don’t have the people behind them like in 2020. Now they are left with their paid agitators. Obama, Clinton and Hollywood are preparing for chaos for the midterms. They have already put out the call. At the same time Trump is exposing Russia hoax, the rigging of the election and the J6 insurrection that the [DS] had against Trump. The D’s are in trouble Trump is putting pressure on the RINOs in the Senate to push the Save Act. Once this is done, it is game over. The D’s will push everything. Message was sent that the plan is in motion. Economy  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/EnergyAbsurdity/status/2016553623270883769?s=20   non-viable alternatives to fossil fuels over the last 30 years: #Wind, #Solar, and #EVs. Despite all those TRILLIONS wasted, fossil fuels now account for an even HIGHER PERCENTAGE – 83% – of primary energy than they did 30 years ago. We must stop throwing away our children’s and grandchildren’s futures on false alternatives that simply do not and cannot work. https://twitter.com/visegrad24/status/2016793453007339819?s=20    be paying the LOWEST INTEREST RATE OF ANY COUNTRY IN THE WORLD. Most of these countries are low interest rate paying cash machines, thought of as elegant, solid, and prime, only because the U.S.A. allows them to be. The Tariffs being charged to them, while bringing in $BILLIONS to us, still allows most of them to have a significant trade surplus, though much smaller, with our beautiful, formerly abused Country. In other words, I have been very nice, kind, and gentle to countries all over the World. With a mere flip of the pen, $BILLIONS more would come into the U.S.A., and these countries would have to go back to making money the old fashioned way, not on the back of America. I hope they all appreciate, although many don't, what our great Country has done for them. The Fed should substantially lower interest rates, NOW! Tariffs have made America strong and powerful again, far stronger and more powerful than any other Nation. Commensurate with this strength, both financial and otherwise, WE SHOULD BE PAYING LOWER INTEREST RATES THAN ANY OTHER COUNTRY IN THE WORLD! Thank you for your attention to this matter. President DONALD J. TRUMP https://twitter.com/JoeLang51440671/status/2016559031574311138?s=20 https://twitter.com/KobeissiLetter/status/2016890828925313192?s=20  TRIPLED since Q4 2019, driven by aggressive purchases by central banks and rising prices. Over this period, central banks have added ~4,500 tonnes of gold, including unreported purchases. At the same time, foreign Treasury holdings have remained unchanged. Gold is redefining the global monetary system. Central banks maintain FX reserves—typically a mix of currencies, bonds, and assets like gold—to stabilize their currencies, manage liquidity, and hedge against economic shocks. U.S. Treasuries have long been the go-to asset because they’re considered ultra-safe, highly liquid, and backed by the world’s dominant reserve currency (the U.S. dollar, which still accounts for about 57% of global reserves). Gold, on the other hand, is a “neutral” asset: it’s not tied to any single government’s policies, can’t be printed at will, and serves as a hedge against inflation, currency debasement, and geopolitical risks.This crossover isn’t just a blip—it’s a structural change driven by several factors: Key Driver Explanation Impact Geopolitical Tensions and Sanctions Events like the Russia-Ukraine war (leading to frozen Russian assets) and U.S. actions (e.g., tariffs, interventions in Venezuela) have eroded trust in dollar-denominated assets. Countries fear their reserves could be seized or devalued overnight. theguardian.com Accelerates “de-dollarization” efforts, especially among BRICS nations (e.g., China, Russia, India), which now buy gold at 3–5 times pre-2022 levels, averaging 60 tons per month. finance.yahoo.com Gold’s share in reserves has doubled to over 25% in the past decade. newsmax.com Rising Gold Prices and Diversification Gold’s price surge (up 70% in 2025 alone) mechanically boosts its reserve value, but central banks are actively adding to holdings rather than selling Treasuries outright. mining.com This reflects a pivot away from U.S. debt amid concerns over America’s $35+ trillion national debt, persistent inflation, and fiscal policies under the Trump administration. fundssociety.com Gold is now the second-largest reserve asset after the dollar (overtaking the euro in 2024), signaling a re-regionalization of global finance where gold absorbs outflows from U.S. bonds. lfde.com The gold and U.S. debt markets are similarly sized (~$25–30 trillion each), making this shift feasible without massive disruptions. Central Bank Strategy Emerging market central banks (e.g., People’s Bank of China, Central Bank of Russia) are prioritizing gold for stability in a multipolar world, while developed banks hold steady. americanhartfordgold.com Net purchases hit 1,000+ tonnes in 2025, with forecasts for similar levels in 2026. gold.org Could push gold prices higher—analysts at Goldman Sachs see $5,400/oz by end-2026, while extreme scenarios (full USD reserve loss) speculate $39,000–$184,000/oz if gold backs global money supply. vaneck.com This isn’t about ditching the dollar entirely but reducing over-reliance.   If trends continue, it could lead to sustained gold demand, higher prices, and a more fragmented international financial landscape. Political/Rights  DOGE Geopolitical https://twitter.com/MarioNawfal/status/2016915491194057147?s=20  https://twitter.com/MarioBojic/status/2016846881079300384?s=20 https://twitter.com/EricLDaugh/status/2016915405327962562?s=20   of China, Russia and Iran.    EU adds Iran’s Revolutionary Guards to terrorist list The European Union has added Iran’s Islamic Revolutionary Guard Corps (IRGC) to its terrorist list in response to Tehran’s deadly crackdown on protesters in recent weeks. The bloc’s top diplomat Kaja Kallas said EU foreign ministers took the “decisive step” because “repression cannot go unanswered”. She said ahead of the decision that the move would put the IRGC – a major military, economic and political force in Iran – on the same level as jihadist groups like al-Qaeda and the Islamic State group. Source: bbc.com   War/Peace https://twitter.com/ianellisjones/status/2015933550822883607?s=20 https://twitter.com/disclosetv/status/2016654714071285944?s=20 Anti-air warfare (AAW): Defending against aircraft, missiles, and drones using its Aegis Combat System, which integrates radar, sensors, and weapons for tracking and engaging threats. Anti-submarine warfare (ASW): Detecting and neutralizing submarines with sonar systems, torpedoes, and embarked MH-60R Seahawk helicopters. Anti-surface warfare (ASuW): Engaging enemy ships or land targets with guns, missiles, and other weapons. Strike warfare: Launching long-range Tomahawk cruise missiles for precision strikes on ground targets. Ballistic missile defense (BMD): Intercepting ballistic missiles in flight, depending on configuration. Additional support roles: Maritime security, search and rescue, and intelligence gathering. https://twitter.com/MarioNawfal/status/2016914233233981950?s=20  right after reports of massive Israeli/US strikes on Iranian nuclear facilities, this is Moscow quietly confirming the hits while trying to de-escalate. Bushehr is Iran's only operating nuclear power reactor (Russian-built, ironically). If it got damaged or threatened, we’d be looking at Chernobyl-level fallout risks. Putin playing both sides: backing Tehran rhetorically but signaling “don’t go too far” to Washington/Jerusalem.   https://twitter.com/ElectionWiz/status/2016697707256025533?s=20 https://twitter.com/MarioNawfal/status/2016934089165853048?s=20      Medical/False Flags [DS] Agenda IT BEGINS: Zohran Mamdani Announces Plans to ‘Tax the Wealthy' to Compensate for NYC Budget Deficit (VIDEO) Well that was fast. Zohran Mamdani has been mayor of New York City for less than a month and he is already talking about raising taxes on the ‘wealthy' to make up the city's budget deficit, which he claims is on par with the Great Recession. Get ready to see a lot of Uhauls leaving the city. CNBC reports: New York Mayor Mamdani says city must hike taxes on wealthy to fill $12 billion deficit New York City Mayor Zohran Mamdani on Wednesday said the city's wealthiest must pay more in taxes to help fill the staggering budget deficit of more than $12 billion that he was left by his predecessor. “This is at a scale that's actually greater than what we saw here in New York City during the Great Recession,” Mamdani said of that budget hole during an interview with CNBC “Squawk Box” co-anchor Andrew Ross Sorkin at City Hall.   Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2016689992932749554?s=20 https://twitter.com/Breaking911/status/2016622314306109944?s=20 https://twitter.com/amuse/status/2016825781926662360?s=20   https://twitter.com/Breaking911/status/2016863073173114959?s=20   https://twitter.com/Breaking911/status/2016855148723593379?s=20 https://twitter.com/christopherrufo/status/2016702846822207663?s=20 https://twitter.com/EricTeetsel/status/2016681981887623280?s=20 https://twitter.com/MattWalshBlog/status/2016688511017947273?s=20 benevolent and humble servant of the oppressed. Then when it turns out — as it literally always does — that he was actually a violent unhinged degenerate weirdo, they will immediately pivot and insist that his character and personal life don’t matter actually. We were told Alex Pretti had no criminal record but we now have video of him spitting on and attacking ICE agents Was he charged for this? https://twitter.com/StevenCheung47/status/2016702063334334904?s=20   https://twitter.com/StevenCheung47/status/2016714718430310577?s=20 https://twitter.com/StevenCheung47/status/2016712434606559516?s=20 https://twitter.com/StevenCheung47/status/2016708027559141441?s=20 https://twitter.com/StevenCheung47/status/2016704306401976345?s=20 https://twitter.com/FrontlinesTPUSA/status/2016734414537990436?s=20 https://twitter.com/Mollyploofkins/status/2016377949121884259?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2016377949121884259%7Ctwgr%5Eb6afd1fffe8094942ed0a2c48dbd21175293b47b%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fwatch-has-been-actress-molly-ringwald-claims-trump%2F   https://twitter.com/CollinRugg/status/2016691592619516200?s=20   “But the rest of us would survive… This is the time for a revolution.” Brandon Johnson Says He's Coordinating With Other Democrat Mayors To Thwart ICE Democratic Chicago Mayor Brandon Johnson admitted Wednesday he was “in regular communication” with other mayors leading so-called “sanctuary cities” in efforts to impede enforcement of federal immigration laws. “To respond to the operation in Chicago, I leaned heavily on other cities' responses, like Los Angeles Mayor Karen Bass shared her experience governing while the city was in Trump's crosshairs,” Johnson said. “We've been in regular communication both at the executive level and the staff level with cities like Minneapolis and Portland, Oakland, Boston, and Denver and Baltimore to learn from each other's experiences and develop strategies to protect our constituents.” Source: dailycaller.com   https://twitter.com/WarClandestine/status/2016645995606552671?s=20 https://twitter.com/bitchuneedsoap/status/2016520711951564977?s=20   https://twitter.com/StephenM/status/2016662505930584574?s=20   President Trump's Plan BREAKING: ICE and CBP to DRAW-DOWN Number of Forces in Minnesota After Tom Homan Strikes Deal with State Officials – Here Are the Details (VIDEO) https://twitter.com/EricLDaugh/status/2016865706126545214?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2016865706126545214%7Ctwgr%5Ef45391945d583495415892fba4a2de7da17713e7%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fbreaking-ice-cbp-draw-down-number-forces-minnesota%2F   just 3 days! Tom Homan means business. https://twitter.com/EricLDaugh/status/2016867645958529115?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2016867645958529115%7Ctwgr%5Ef45391945d583495415892fba4a2de7da17713e7%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fbreaking-ice-cbp-draw-down-number-forces-minnesota%2F   Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2016868888491761913?s=20  https://twitter.com/KurtSchlichter/status/2016584955472838709 https://twitter.com/WarClandestine/status/2016737774288654360?s=20 https://twitter.com/MarioNawfal/status/2016938140326645996?s=20   https://twitter.com/Rasmussen_Poll/status/2016868004798124447?s=20   https://twitter.com/FlipCrypt/status/2016359757557141542?s=20  court” “How do you set the stage” The raid showed pictures of files, one was in a bathroom, and another a stage. Funny because Hilary deleted 600k emails, from a server, kept in her bathroom. What would it look like if we “had it all” How do you set the stage? How do you inject evidence into a Grand Jury conspiracy case for Russiagate? I think a lot of the comms right now, and the actions around the country show preparation for this Grand Jury to conclude. It could take weeks, or even months. But my bet is those boxes set on the stage are Russiagate and beyond. The boxes in the bathroom are Hiliary’s emails, and currently, a grand jury is having a look at it all. https://twitter.com/FultonCo_GA_GOP/status/2016671877297488352?s=20 County Board of Elections literally denied these requests. The Georgia State Election Board has been trying for 4 years to get the records.  Including issuing a subpoena for the ballots and other records.  And ALL of those efforts have failed.  Until today. I applaud Attorney General Pam Bondi and FBI Director Kash Patel for finally searching for and retrieving the records from the 2020 election that the U.S. Attorney General under federal law is entitled to receive and review.  It is my hope that the FBI is in the process of getting every box of 2020 election materials in that warehouse to be able to piece together, once and for all, the truth about 2020. I am dedicated to making sure to the best of my ability that elections in Fulton County are accurate.  Let's hope this starts a new chapter in Fulton County for transparency and accountability.” Julie Adams Fulton County Board of Registration and Elections Republican Party Appointee  Why did trump start in a red state.    https://twitter.com/keithedwards/status/2016671823870513436?s=20 Materials Sought in Fulton County FBI Warrant Revealed – A Difficult Road Lies Ahead for Fulton County Officials FBI Agents seized over 700 boxes worth of documents and brought them north to Virginia in two tractor trailers  https://twitter.com/realLizUSA/status/2016701882576560547?s=20   utilized during the 2020 General Election in Fulton County All ballot images produced during the original ballot count beginning on November 3, 2020, THE RECOUNT, and any other ballot images All voter rolls from the 2020 General Election in Fulton County from absentee, early voting, in person, and any other voter roll that indicates voters: to whom an absentee ballot was issued, from whom an absentee ballot was received, or who participated in advanced voting or election day voting Source: thegatewaypundit.com https://twitter.com/KanekoaTheGreat/status/2016665638778143047?s=20   years ago. Fulton County refused. Excerpts from witness affidavits include: Susan Voyles, 20-year election official: “Pristine” ballots “difference in the texture of the paper” with “a different feel” and “no markings” and approximately “98% for Joe Biden.” Georgia Democrat observer: “Hundreds of ballots with no folds or creases. Perfect black bubbles. All for Biden.” Another Georgia Democrat: “All had perfect black bubbles and were all Biden. I heard ‘Biden' over 500 times in a row.” @VoterGa has been fighting in court for six years just to inspect these ballots. Why was Fulton County so determined to keep them hidden?? https://twitter.com/realLizUSA/status/2016706788351971434?s=20     https://twitter.com/drawandstrike/status/2016705043144003652?s=20   AND INCLUDING THE JACK SMITH SPECIAL COUNSEL’S OFFICE. And the first thing that happens when you end up in election related litigation is you are given a PRESERVATION ORDER FROM THE COURT. So NO, Fulton County officials did not destroy these ballots, or tapes or any other federal election records THAT THEY ALREADY ADMITTED TO HAVING IN OFFCIAL COURT RULINGS BEGINNING 5 YEARS AGO.  https://twitter.com/DC_Draino/status/2016902941836198297?s=20 https://twitter.com/PatriotXV11/status/2016713624061116652?s=20 https://twitter.com/DAGToddBlanche/status/2016663357089001566?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2016663357089001566%7Ctwgr%5E18c7aab2309ab32958cb900c1fa5f6df8f16003a%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fbreaking-president-trump-announces-first-ever-assistant-attorney%2F     https://twitter.com/EricLDaugh/status/2016594714569441286?s=20 https://twitter.com/profstonge/status/2016901410441289982?s=20 https://twitter.com/DoWCTO/status/2016577329393242364?s=20 3800 Q !!Hs1Jq13jV6 ID: e6ce6c No.7943347 Jan 28 2020 14:46:22 (EST) DurhamBoat.jpg https://en.wikipedia.org/wiki/Durham_boat Anons found the subtle hint dropped in the beginning. Think Durham start. Think ‘Q’ start. You have more than you know. Q 1 Anonymous ID: BQ7V3bcW No.147012719 Oct 28 2017 15:44:28 (EST) Anonymous ID: gb953qGI No.147005381 Oct 28 2017 14:33:50 (EST) >>146981635 Hillary Clinton will be arrested between 7:45 AM – 8:30 AM EST on Monday – the morning on Oct 30, 2017. >>147005381 HRC extradition already in motion effective yesterday with several countries in case of cross border run. Passport approved to be flagged effective 10/30 @ 12:01am. Expect massive riots organized in defiance and others fleeing the US to occur. US M's will conduct the operation while NG activated. Proof check: Locate a NG member and ask if activated for duty 10/30 across most major cities. 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Dave Rubin of "The Rubin Report" talks about Marco Rubio's tense exchange with Rand Paul over the constitutional authority to capture Venezuelan leader Nicolás Maduro; Democrat Brian Schatz going speechless after Marco Rubio gave a brutally honest answer about possible regime change in Cuba; Ilhan Omar talking to MSNOW's Chris Hayes about her response to her attack at a town hall event; "The View's Ana Navarro having her naive narrative about Alex Pretti being a peaceful protester being shattered by new footage of him spitting on ICE agents and attacking their vehicles; "Shark Tank's" Kevin O'Leary explaining how the Trump Accounts for kids, which will be invested in the stock market, could completely change how people view investing and thinking about their future; Zohran Mamdani already declaring a fiscal emergency larger than the Great Recession for NYC's budget to justify his plans tax the rich; and much more. Dave also hosts a special "ask me anything" question-and-answer session on a wide range of topics, answering questions from the Rubin Report Locals community. Watch Dave Rubin's FULL interview with Ayaan Hirsi Ali here:    • Somali Immigrant Has a Chilling Warning fo...   WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Polymarket -Go to http://polymarket.com to trade on the outcomes of live events from politics, pop culture, to sports and more! Mars Men -  A potent and natural testosterone stack that optimizes your body's ability to forge usable testosterone. For a limited time, our listeners get 50% off FOR LIFE AND 3 Free Gifts at Mars Men when you use code RUBIN . Go to: http://Mengotomars.com BUBS Naturals - BUBS helps restore collagen levels closer to what your body had in its youth—so your joints feel stronger, your hair and nails grow healthier, and your skin looks smoother. Live Better Longer with BUBS Naturals. For A limited time get 20% Off your entire order with code RUBIN at Bubsnaturals.com

Mayor Zohran Mamdani Says New York City is facing a fiscal crisis at the scale of the Great Recession. Meanwhile, Lady Gaga speaks out against ICE during a speech at her concert in Tokyo while Gutfeld SLAMS Jessica Tarlov on The Five over her trashing ICE. Thank you for supporting our sponsors that make The Dana Show possible…Bank on Yourselfhttps://BankOnYourself.com/Dana Bank on Yourself offers tax-free retirement income, guaranteed growth, and full control of your money. Receive your free report.Relief Factorhttps://ReliefFactor.com OR CALL 1-800-4-RELIEFTry Relief Factor's 3-week Quickstart for just $19.95—tell them Dana sent you and see if you can be next to control your pain!Patriot Mobilehttps://PatriotMobile.com/DANA or call 972-PATRIOTSwitch to Patriot Mobile in minutes—keep your number and phone or upgrade, then take a stand today with promo code DANA for a free month of service!Humannhttps://HumanN.comKick off the New Year with simple, delicious wellness support—pick up Humann's Turmeric Chews at Sam's Club next time you're there and see why they're such a fan favorite!Byrnahttps://Byrna.com/DanaMake 2026 the year you protect your family with solid options—Get the Byrna today.WebRootTake your cybersecurity seriously! Get 60% off Webroot Total Protection at https://Webroot.com/Dana  Noble Goldhttps://NobleGoldInvestments.com/DanaThis is the year to create a more stable financial future.  Open a qualified account with Noble Gold and receive a 3 oz Silver Virtue coin free. Subscribe today and stay in the loop on all things news with The Dana Show. Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramXMore InfoWebsite

Tom Homan has his first press conference as he takes over the situation in Minneapolis. Dana reacts and shares commentary to new footage showing Alex Pretti with a gun in his waistband, spitting on and attacking federal law enforcement officers and kicking the tail light of their vehicle on January 13th. TSA workers eating dinner were mistaken for ICE agents, drawing dozens of protesters to a California restaurant.Jacob Frey dodges when asked if he changed his mind after the latest video of Alex Pretti and vows to give financial support and legal resources to the violent criminals who were apprehended by ICE. The government remains on their political heels before another shutdown. CNN's Abby Phillip blames Trump for Ilhan Omar's attack. Hakeem Jeffries threatens Kristi Noem by saying she needs to be “put on ice permanently”. Mayor Zohran Mamdani Says New York City is facing a fiscal crisis at the scale of the Great Recession. Lady Gaga speaks out against ICE during a speech at her concert. Gutfeld SLAMS Jessica Tarlov on The Five over her trashing ICE.Thank you for supporting our sponsors that make The Dana Show possible…Bank on Yourselfhttps://BankOnYourself.com/Dana Bank on Yourself offers tax-free retirement income, guaranteed growth, and full control of your money. Receive your free report.Relief Factorhttps://ReliefFactor.com OR CALL 1-800-4-RELIEFTry Relief Factor's 3-week Quickstart for just $19.95—tell them Dana sent you and see if you can be next to control your pain!Patriot Mobilehttps://PatriotMobile.com/DANA or call 972-PATRIOTSwitch to Patriot Mobile in minutes—keep your number and phone or upgrade, then take a stand today with promo code DANA for a free month of service!Humannhttps://HumanN.comKick off the New Year with simple, delicious wellness support—pick up Humann's Turmeric Chews at Sam's Club next time you're there and see why they're such a fan favorite!Byrnahttps://Byrna.com/DanaMake 2026 the year you protect your family with solid options—Get the Byrna today.WebRootTake your cybersecurity seriously! Get 60% off Webroot Total Protection at https://Webroot.com/Dana  Noble Goldhttps://NobleGoldInvestments.com/DanaThis is the year to create a more stable financial future.  Open a qualified account with Noble Gold and receive a 3 oz Silver Virtue coin free. Subscribe today and stay in the loop on all things news with The Dana Show. Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramXMore InfoWebsite

Chris Cuomo breaks down what's actually behind Trump's sudden push around Greenland — and why it fits a familiar pattern in how power and pressure are used. Cuomo explains how disruption is often deployed as leverage, not something meant to fully play out, and why markets, institutions, and allies are rarely allowed to absorb the consequences people are told to expect. The rapid shift from tariff threats to talks with NATO reinforces the idea that escalation is part of the maneuver, not the destination. Placing the Greenland move in historical context, Cuomo points to moments like the Great Depression and the Great Recession to show why “let whatever happens happen” has never been true. Whether it's markets, trade, or geopolitics, he argues that chaos is frequently the tool, not the endgame — and that recognizing this pattern matters far more than reacting to the headline of the week. Follow and subscribe to The Chris Cuomo Project on Apple Podcasts, Spotify, and YouTube for new episodes every Tuesday and Thursday: https://linktr.ee/cuomoproject Join Chris Ad-Free On Substack: http://thechriscuomoproject.substack.com Support our sponsors: Protect your family with life insurance from Ethos—get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/CUOMO. Application times and rates may vary. Reverse hair loss with @iRestorelaser and get exclusive savings on the iRestore Elite, use code CUOMO at https://irestore.com/cuomo! #irestorepod Learn more about your ad choices. Visit podcastchoices.com/adchoices