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Catherine McKenna joined me in person for a live recording of this episode at the Naval Club of Toronto here in our east end. We discussed her new book ‘Run Like a Girl', lessons learned from her six years in federal politics, the reality of political harassment, the tension between party loyalty and telling it like it is, and why we should be wary of “grand bargains” on climate with oil and gas companies.Catherine served as Environment and Climate Change Minister from 2015-2019 and Infrastructure Minister from 2019-2021. She's now the founder and CEO of Climate and Nature Solutions and chairs a UN expert group advising the Secretary General on net zero commitments.Read further:Run Like A Girl - Catherine McKenna (2025)https://www.catherinemckenna.caChapters:00:00 Introduction & Run Like A Girl Book05:32 Lessons from Politics: Hard Work & Balance08:52 Climate Barbie & Political Harassment15:26 Running for Office in Ottawa Centre23:17 Being a Team Player vs. Speaking Truth32:05 Leaving Politics40:30 Climate Policy & the Oil & Gas “Grand Bargain”48:24 Supporting Others in Politics52:56 Carbon Pricing Communication Failures59:13 Gender Balance, Feminism & Cabinet01:04:04 Final Thoughts & ClosingTranscript:Nate Erskine-Smith00:02 - 00:38Well, thank you everyone for joining. This is a live recording of the Uncommon's podcast, and I'm lucky to be joined by Catherine McKenna, who has a very impressive CV. You will know her as the former Environment Minister. She is also the founder and CEO of Climate and Nature Solutions, a consultancy focused on all things environment and nature protection. And you may or may not know, but she's also the chair of a UN expert group that gives advice to the Secretary General on net zero solutions. So thank you for coming to Beaches East York.Catherine McKenna00:38 - 00:56It's great to be here. Hello, everyone. And special shout out to the guy who came from, all the way from Bowmanville. That's awesome. Anyone from Hamilton, that's where I'm originally found. All right. Nice, we got a shout out for Hamilton. Woo-hoo.Nate Erskine-Smith00:57 - 01:19So I ran down a few things you've accomplished over the years, but you are also the author of Run Like a Girl. I was at, you mentioned a book launch last night here in Toronto, but I attended your book launch in Ottawa. And you can all pick up a book on the way out. But who did you write this book for?Catherine McKenna01:21 - 02:58So, I mean, this book has been a long time in the making. It's probably been five years. It was a bit of a COVID project. And you'll see, it's good, I've got my prop here, my book. But you'll see it's not a normal kind of book. So it has a lot of images of objects and of, you know, pictures, pictures of me getting ready to go to the state visit dinner that was hosted by Obama while I'm trying to finalize the text on climate. So it's got like random things in it, but it's intended for a much broader audience. It's really intended to inspire women and girls and young people. And I think that's particularly important right now because I work on climate and I think it's really hard. Do people here care about climate? Yes, I imagine here you care about climate. I mean, I actually think most Canadians do because they understand the wildfires and they see the smoke and people are being evacuated from communities and you can't get insurance if you're in a flood zone. But I do think in particular we need to bolster spirits. But also it's a book, it's really about how to make change. It's not like people think it's like a political memoir. So I think, you know, fancy people in politics will look at the end of the book to see if their name is there and maybe be disappointed if it isn't. But it's not really that kind of book. It's like I was a kid from Hamilton. I didn't want to be a politician. That wasn't my dream when I grew up. I wanted to go to the Olympics for swimming. And spoiler alert, I did not make the Olympic team, but I went to Olympic trials.Nate Erskine-Smith02:59 - 02:59You're close.Catherine McKenna03:00 - 04:05I was, well, closest, closest, but, but it wasn't, I mean, you know, life is a journey and that wasn't, it wasn't sad that I didn't make it, but I think it's just to hopefully for people to think I can make change too. Like I didn't come as a fully formed politician that was, you know, destined to be minister for the environment and climate change. So in particular for women and young people who are trying to figure out how to make change, I think it's a little bit my story. I just tried to figure it out. And one day I decided the best way to make change was to go into politics and get rid of Stephen Harper. That was my goal. He was my inspiration, yes, because we needed a new government. And yeah, so I really, really, really am trying to reach a much broader audience because I think we often are politicians talking to a very narrow group of people, often very partisan. And that's not my deal. My deal is we need everyone to be making change in their own way. And I want people who are feeling like maybe it's a bit hard working on climate or in politics or on democracy or human rights that you too can make change.Nate Erskine-Smith04:06 - 05:17And you were holding it up. I mean, it's a bit of a scrapbook. You've described it. And it's also honest. I mean, there was some media coverage of it that was sort of saying, oh, you said this about Trudeau, calling him a loofer. And there's a certain honesty about I've lived in politics and I'm going to call it like it is. But what I find most interesting is not the sort of the gotcha coverage after the fact. It's when you go to write something, you said you're not a writer at the launch that I saw in Ottawa, but you obviously sat down and were trying to figure out what are the lessons learned. You've had successes, you've had failures, and you're trying to impart these lessons learned. You mentioned you sort of were going down that road a little bit of what you wanted to impart to people, but you've had six years in politics at the upper echelon of decision-making on a really important file. I want to get to some of the failures because we're living through some of them right now, I think. Not of your doing, of conservative doing, unfortunately. But what would you say are the lessons learned that you, you know, as you're crystallizing the moments you've lived through, what are those lessons?Catherine McKenna05:19 - 07:12It's funny because the lessons I learned actually are from swimming in a way that actually you got to do the work. That, you know, you set a long-term goal and, you know, whatever that goal is, whatever you hope to make change on. And then you get up and you do the work. And then you get up the next morning and you do the work again. And sometimes things won't go your way. But you still get up the next morning. And I think it's important because, like, you know, look, I will talk, I'm sure, about carbon pricing. We lost the consumer carbon price. There's a chapter. It's called Hard Things Are Hard. I'm also, like, really into slogans. I used to be the captain of the U of T swim team. So I feel like my whole life is like a Nike ad or something. Hard things are hard. We can do it. But yeah, I mean, I think that the change is incremental. And sometimes in life, you're going to have hard times. But the other thing I want people to take from it is that, you know, sometimes you can just go dancing with your friends, right? Or you can call up your book club. I would sometimes have hard days in politics. And I was like, oh, gosh, that was like, what? happened. So I'd send an email, it would say to my book club. So if you have book clubs, book clubs are a good thing. Even if you don't always read the book, that would be me. But I would be SOS, come to my house. And I'd be like, all I have is like chips and wine, but I just need to hang out with regular people. And I think that's also important. Like, you know, life is life. Like, you know, you got to do the work if you're really trying to make change. But some days are going to be harder and sometimes you're just trying to hang in there and I had you know I had I have three kids one of them they're older now one of them is actually manning the the booth selling the books but you know when you're a mom too like you know sometimes you're going to focus on that so I don't know I think my my lessons are I I'm too gen x to be like you've got to do this and INate Erskine-Smith07:12 - 07:16learned this and I'm amazing no that's not writing a graduation speech I'm not I'm not writing aCatherine McKenna07:16 - 08:43graduation speech and I don't know that you know the particular path I took is what anyone else is going to do I was going to I went to Indonesia to do a documentary about Komodo dragons because my roommate asked me to so that led me to go back to Indonesia which led me to work for UN peacekeeping and peacekeeping mission in East Timor but I think it's also like take risks if you're a young person Like, don't, people will tell you all the time how you should do things. And I, you know, often, you know, doubted, should I do this, or I didn't have enough confidence. And I think that's often, women often feel like that, I'll say. And, you know, at the end, sometimes you are right. And it's okay if your parents don't like exactly what you're doing. Or, you know, people say you should stay in corporate law, which I hated. Or, you know, so I don't know if there's so many lessons as a bit as, you know, one, you got to do the work to, you know, listen to what you really want to do. That doesn't mean every day you're going to get to do what you want to do. But, you know, if you're really passionate about working human rights, work on human rights, like figure out a way to do it and then also have some fun. Like life can feel really heavy. And I felt that during COVID. I think sometimes now after, you know, looking at, you know, social media and what Donald Trump has done or threatened to do, it can feel hard. So I think it's also OK to to just check out and have fun.Nate Erskine-Smith08:44 - 08:46I like it. Well, there aren't lessons, but here are three important lessons.Catherine McKenna08:48 - 08:50I am a politician. It's good. Well, it's OK.Nate Erskine-Smith08:50 - 09:57You mentioned a few times really writing this book in a way to young people and specifically to young women to encourage them to to make a difference and to get involved. and yet politics, we were both drawn to politics, I think for similar reasons, and it is one of the most important ways to make a difference, and I wanna get to you. There are other ways to make a difference, of course, but there's a bit of a tension, I think, in what you're writing, because you're writing this encouragement to make a difference, and politics is so important, and on the flip side, you document all sorts of different ways that politics has been truly awful, the absurdity of, I knew the ridiculous idiocy of Climate Barbie, but I didn't actually appreciate that you had these bizarre men coming to your house to take selfies in front of your house. That's just a next-level awfulness. And so how do you, when you're talking to young people, to encourage them on the one hand, but also you don't want to shield them from the awfulness, and we all want to make politics a more civil, better place, but these are problematic tensions.Catherine McKenna09:58 - 10:42Yeah, I mean, look, I thought a lot about what I wanted to say about like the hate and abuse that I got, but also my staff got. I mean, they come to my office and start screaming. And of course, everything's videotaped. So and, you know, there were incidents at my house. And so I first of all, I believe in being honest. Like, I just believe in it. I believe that people deserve the truth. But also in this case, I wasn't looking for sympathy. I'm out of politics. I don't need sympathy, but we need change. And so I think the only way, one of the only ways we get changed, and you know how hard it is to get policy, like online harm legislation. We still have not gotten online harm. In a way, it's kind of unfathomable that we can't just get it. Like, we know that online.Nate Erskine-Smith10:42 - 10:43C5 happened real quick, though. Don't worry.Catherine McKenna10:43 - 10:43Okay.Catherine McKenna10:44 - 10:48Well, luckily, I'm not in politics anymore. I'm not in politics anymore.Catherine McKenna10:48 - 11:48I just do my thing. But I do think that by documenting this, I'm hoping that people will read it and say, well, wait a minute, that's not OK, because that's how we will get the support to get legislation to make sure that we hold social media platforms accountable. that's the way that we will be able to get people to say to politicians, you cannot go and do personal attacks and then go spread them online to get to get clicks. And that we can get proper protection for politicians, which I don't love, but actually we need that sometimes. So I think that it is important to say that I don't want people to feel down because I have multiple purposes in the book. Like people are talking about this. And I've had a number of my female politician friends saying thank you for stepping up because now people are taking it more seriously because they're like wow that was bad like climate barbie sounds kind of quaint now but climate barbie led to a whole bunch of things that led to a bunch of things that led to rcmp finally being outside my house whichNate Erskine-Smith11:49 - 12:05wasn't amazing but at least i felt safe but it's one thing to say quaint but it normalizes a misogyny that is that is awful right yeah so it's and it might it might not be a direct threat it might not be taking a selfie outside of your home which is an implicit threat but it is it's normalizing an awfulness in our politics.Catherine McKenna12:06 - 12:10Yeah, I mean, it is. From other politicians. It was a former minister in Harper's CabinetNate Erskine-Smith12:10 - 12:11who started it, right?Catherine McKenna12:11 - 12:21It was, or at least amplified it. We'll go there, like the climate Barbie. Okay, so climate Barbie is, it's quite weird because now my kids are like, well, Barbie went to the moon.Catherine McKenna12:21 - 12:22Barbie was an asteroid.Catherine McKenna12:23 - 14:57Quinn is here, like, you know, Barbies are, like, you know, not that big a deal. The thing is, if you are my age, if anyone here is 50 or over, I think you're pretty clear when someone who's 50 or over calls you climate barbie there's a lot going on in that and i said nothing like i was actually baptized climate barbie very early on um by a rage farming alt-right outlet they are not media and that's what they do this is their game they go after progressives to make money actually um for clickbait but i didn't do anything for so long um and i guess my team was lovely and i had a lot of really awesome women and they're like just don't do it because you'll they'll know that you know they can go after you um and so i'm at the un actually it's like seven years ago i was just at the un last week yes i heard donald trump but i was there to work on climate but it was the same thing it was the end of a really long day i was going back to the hotel i was actually in the hotel lobby some crabby hotel with my team and i look at my phone i was like why is my twitter exploded what has happened and then i see the climate barbie tweet and i said to my team. I said, okay, I'm sorry. I'm just going to have to deal with this situation. And they knew, like, I'm, when I say I'm dealing with it, I'm going to deal with it. And so I, I, you know, I'm a lawyer by training. So I, you know, try, I am Irish. I've got the hot headed side and then I've got the lawyer rational side. So I was like, okay, what am I going to say? There's going to call it out, but in a way that isn't falling into the trap of just calling names. So I said, it's in this book. I'm not going to get exactly right, but it was something like, would you use that kind of language with your girlfriend, wife, mother? You're not chasing women out of politics. Your sexism is going to chase women, whatever it was. And what was so interesting about this, and this is why in this book, I do the same thing, is that it went viral. And I wasn't trying to do this. I was trying to shame him so he would stop. And people like would stop me in the streets. And it would be, you know, conservative men, they'd be like, I'm a conservative, I'm ashamed. This is not acceptable. And I really appreciate this. This is how you stand up to bullies. And I thought, oh, this is important that we do this every once in a while, because often as a woman, you're kind of supposed to take it because otherwise you look a bit weak. And I realized actually the power is other people saying that this is not okay. So I actually appreciate that you call it out. You will see in my book. I will just let me see if I can find it. I also, like, kind of bizarrely, a bunch of, like, men would send me Barbies with really mean notes.Catherine McKenna14:57 - 15:04So they'd go to a store, buy a Barbie, then go and find the address of my constituency office or my ministerial office,Catherine McKenna15:05 - 15:32and then send it with a note that they personally addressed. Like, that's kind of weird. So anyway, the funny thing is, I guess, is it funny? I don't know. It's just it. There's a Barbie. This is actually a picture of one of the Barbies that was sent. We would normally put our Barbies in the Christmas toy drive. I guess we figured might as well give it to, you know, kids that would like the Barbie. But I found one when I was cleaning up my office. And I was like, oh, I'm going to just keep that. I'm going to like, you know, just keep that. So you can...Nate Erskine-Smith15:32 - 15:33No one's sending you Barbies.Catherine McKenna15:33 - 15:38I have a book of just... No one's sending you Barbies. Glorious things that people have sent, like written notes that people have sent over the yearsNate Erskine-Smith15:38 - 16:33where you're just like, this is the most bizarre thing to have received. And, you know, in 10 years in politics, the scrapbook grows. So speaking of, you mentioned Harper being an inspiration of sorts. You also have said, I'm just a regular person who wanted to make a change. And politics, you also said, I didn't want to be a politician. I want to be an Olympian. But you also document Sheila Copps as someone you looked up to. You mentioned your dad being very political. And Pierre Elliott Trudeau was the person in politics who was a bit of an inspiration for your dad and family. And so Harper, obviously, a motivating force for me as well in the lead up to 2015. I think there's a whole class of us in the lead up to 2015 that wanted a different kind of politics. How did you get on the ballot, though? It was you were a lawyer and you thought, no, this is this particular moment. Were people tapping on the shoulder and saying, come on, Catherine, now's the time?Catherine McKenna16:37 - 18:52Yeah, I mean, it's kind of a funny story because women often have to be asked multiple times. The thing is, I'd already been asked before 2015. And it's kind of funny because I saw my friend last night who's part of the story. So when Stéphane Dion was running, I went back to Hamilton. So that's where my parents, my dad passed away. But that's where my parents lived. And I was walking up my street. And the head of the riding association was like, would you like to run? So the election, I think, was already called. I'm pregnant. I live in Ottawa. And so I was like, oh, maybe I should think about that. So I asked my friend. He's like, well, I guess you won't have to knock on doors. So that was my first time getting asked. I did not run then. But I ran a charity that did human rights, rule of law, and good governance. I'd started this charity after having lived abroad with a friend. And, I mean, it was like banging your head on a wall in the pre-Harper times. We were trying to support human rights. We were working with indigenous youth in Canada focused on reconciliation. I cared about climate change. I was like, all of these things I'm trying to do outside of the system are a complete and utter waste of time. So I thought, OK, we've got to get rid of the government. So that's my theory of change now. My theory of change was create this charitable organization, and it's just not getting the impact. So I decided I was going to run, but I was in Ottawa Centre. So I don't know if many of you know Ottawa Centre. It's actually where Parliament's located, so it's great. It's a bike ride to work. But it was Paul Dewar, who was a really beloved NDP member of parliament. His mother had been mayor. And I really like Paul, too. But the reality is you've got to win, right? So you've got to win enough seats so you can form government. So I ran for two years. And it's interesting because I just decided to run. I canvassed, and so maybe the woman, this will maybe resonate a little bit. So I was like, okay, I really want to run, but I kind of need permission. I don't know why I thought I needed permission, but I did. So I went the rounds. And I like the Liberal Party, but it can be like an inside club. And I wasn't from Ottawa Centre. And so I think people were like a bit perplexed. They're like, we're kind of keeping this riding for a star candidate. And I was like, okay, what the heck? Who's a star?Catherine McKenna18:52 - 18:53Like, what's a star candidate?Catherine McKenna18:53 - 19:07Is that like a male lawyer who gives a lot of money to the Liberal Party? Like, I was like, seriously, what is a star candidate? Yeah, that's what it is. Okay. Sorry. Sorry. I don't know. You are a male. I ran when I was 29 and had no money.Nate Erskine-Smith19:07 - 19:09That was a setup. That was a setup.Catherine McKenna19:09 - 20:15No, it wasn't. Okay. Anyway, we'll just blow by that one. You're a little bit unusual. Okay. So we'll take you out of that. But anyway, it's quite funny because then I was like, and then people were like, actually, you should just get the party to go get you another riding that's winnable. So I was like, okay, on the one hand, you need a star candidate here for this great riding that, but on the flip side, no one can win. So I was like, okay, I don't really know. So I looked at, like, you know, I'm not a fool. I was a competitive swimmer. I want to win. So I looked at the numbers, and I realized, like, you know, if Justin Trudeau was then leader, if we did super well, we were in third place, and it was two years out. But if I worked really hard and we did super well, there was a shot at winning. So I just decided I'm going to run. And I got the chapters called The New Girls Club. And then I had men supporting me. It was fine. But I literally had a lot of women who were just like, I don't know if you can win. This is kind of bonkers. You're doing it. But I'm going to step up and give you some money. I'm going to go help sell nominations. And at that point, you had to sell them. And no one wanted to buy a nomination.Catherine McKenna20:15 - 20:20People are like, I don't want to be a party. I want to join a party, especially a liberal party.Catherine McKenna20:22 - 21:04And so those of you who are thinking about politics, how do you win a nomination? I was trying to sell memberships and people weren't buying them. I was like, oh gosh, every night I'm going out, I've got these kids and I'm going out and talking to people. And I'm spending two hours and getting one or two nominations, people signing up. So I actually realized it was my kids' friends' mothers whose names I didn't know. I just knew their kids. And I think they were like, wow, we don't really know anyone that would go into politics. But we actually think you'd be pretty good. And your kids would kind of nice. And I don't know. I'll just sign up. I don't care.Catherine McKenna21:04 - 21:06And so it was actually really heartening.Catherine McKenna21:07 - 23:15And I will say, like, for all the bad of politics, and there is some bad for sure. And you will read about it in my book. That campaign for two years, like, we knocked on more than 100,000 doors. We had the highest voter turnout in the country. We had, I had my own rules. Like, I was like, we're going to do this in the way that I believe in. and you know some like some of it was following the bomb a snowflake model like you know we wanted to run hard but we also engaged kids and it wasn't like we had just like a kid area we would have kid canvases and I just felt important to me and we went to low income parts of the riding where some people said they're not going to vote or we went to university we went to university residents they're like they're not going to vote actually they turned out in strong numbers and I got a ton of volunteers who, and people that knew my name, because like someone who knows someone who knows someone. So it was great. But I will say like, that's the one thing about getting involved in politics. You may be here. I met a couple of you who said younger people who said you'd like to run. You can do it. You don't need permission. You're gonna have to hustle. You're gonna have to build your team. But this isn't an in club. And I do sometimes worry that politics feels like an in club and it shouldn't be that like we need everyone who wants to step up and get involved in however they want to get involved to be able to do that and so that's my lesson read that chapter hopefully you feel quite inspired and when I knocked on the last door I didn't know if I would win or not but I knew we'd left it all on the ice and I felt great like I was like we also have another woman who has run here it's Kelly is it Kelly who's run a couple times you know what it's like like you build a team. Now you were in a super hard riding. I do hope you run again. But it, it's just this feeling of doing something that matters and bringing people together in a common cause that is bigger than yourself. And it's about believing you can improve lives and you can tackle climate change. So that was a great I hope you read it and feel like you can do it too, if you want to run because you can, I will say you got to work hard. That is one of the most important thing doors gotNate Erskine-Smith23:15 - 23:36got a knock on doors well so i want to get back to though you were emphasizing one this idea of an insider culture but at the same time the need to have a really local presence and it was people who who were on the ground in the community who who ultimately helped get you over the finish line the nomination i mean here you know sandy's working the bar i went to high school with his kids andCatherine McKenna23:36 - 23:41he signed up in the nomination you got sandy and he got us a beer and and you got claire and fredNate Erskine-Smith23:41 - 24:44here who again i went i went to high school with their kids and they signed up in the nomination probably for joining the Liberal Party for the first time. And you go down the list, and there are people who are behind you locally. And in part, I think when you get started, now you go, okay, well, I know this person in the party, I know that person in the party, I've lived in the party for 12, 13 years. But I was 29 when I was starting to run the nomination. No one was tapping me on the shoulder and going, like, you're a star candidate, whatever that means, as you say. And so it does require that desire to say, no one has to ask me. I'm going to go do it and I'm going to build my own local team. But it also gets, I think, at another tension of who is your team? Because you say at one point, sometimes you need to be on the outside so you can push the inside to do more. And so you're on the outside now and you can be probably more honest in your assessment of things and more critical. I have tried, though, at times over the 10 years to play that same role in caucus.Catherine McKenna24:46 - 24:49What? Nate? I thought you were always all in on everything. Yeah, all in on everything.Nate Erskine-Smith24:50 - 25:32But it does get to this idea of team. It's like, be a team player, be a team player, be a team player. And the answer back is, well, who's your team? And yeah, sure, of course the team is the Liberal caucus, but the team is also people in Beaches of East York, the people who are knocking doors with the nomination, people who are knocking doors in the election. And they also want accountability. They also want the party and the government to be the best version of itself. And so do you find you were when you think back at the six years that you were in. I mean, cabinet's a different level of solidarity, obviously. But do you think it's possible to navigate that, you know, critical accountability role inside the tent? Or do you think it's essential as you are now to be outside to play that, you know, that that truth function?Catherine McKenna25:34 - 25:46I mean, that's a that's a really hard question because I mean, I'm a team person. I just sound like I was captain of a swim team. But that doesn't team. So it's different. Like, I'll just have to distinguish like being in cabinet.Catherine McKenna25:47 - 25:52Like you do have cabinet solidarity. But in cabinet, let me tell you, like I spoke up.Catherine McKenna25:52 - 26:50I like everyone didn't didn't always like it, but I felt like I had an obligation to just say things. And that was as much to myself as it was to anyone else. But then once you do that, you know, there is this view that then you stand with the team or else you leave cabinet. That is hard. That is hard. But it's probably less hard than being in caucus where you feel like you might have less influence on the issues. The one time I felt this was actually when I was out, but it was hard to do. And this is when I spoke up and I said I felt it was time for Justin Trudeau to step down, like to like have a leadership race to allow someone new to come in. And it was funny because I got like all these texts like and I was out. Right. So you think not such a big deal. But I got texts from people and like saying, who do you think you are? Like, you know, we're a liberal team. And I was like, OK, this is weird because I get team, but team doesn't equal cult.Nate Erskine-Smith26:52 - 26:52Welcome to my world.Catherine McKenna26:56 - 28:06Nate and me, are we exactly the same? Probably not exactly the same, but no, no. but I think it's true because I was like, well, wait a minute. We also owe it to, in that case, it was also like, we got to win. Are we going to just go? Is this the way it's going? We're just going to allow us to go down even though it's clear that the wheels have come off the cart. And that was hard. But I thought about it, and I was just so worried about the other option. Like Pierre Paulyab, that was too much. And I was like, okay, if I can make a bit of a difference, I will take a hit. It's fine. But I like, look, there is it is really hard to navigate that. And I mean, obviously, if it's super chaotic and no one's supporting things, I mean, the government will fall and you can't get agendas through. There does have to be some leeway to say things like that is important. It's that line and the tension. And I know you've you've felt it. And, you know, we haven't always been on the same side of those things, probably. But that is hard. That is hard. And I don't know that there's any easy answer to that because you can't always be in opposition because you can't govern.Catherine McKenna28:07 - 28:09So I would actually put that to you, Nate.Catherine McKenna28:10 - 28:38No, but I think it's an interesting question for you because, as I said, I was in cabinet, so it was a little bit easier. I mean, you literally have to vote with the government. But for you, there were times that you decided to, you know, be your own voice and not necessarily, well, not when I say not necessarily, not support, you know, the government's position. like how did you make decisions on that like how do you decide this is the moment i'm going to do that sometimes i care but i don't care as much or maybe i've done it you know a few times and iNate Erskine-Smith28:38 - 31:51should stay together like how did you how do you make that choice so i i think that uh trudeau and running for his leadership one thing that drew me to him actually he was calling for generational renewal at the time which which appealed to me but he was also talking about doing politics differently and whether that promise was entirely realized or not you know you lived around the cabinet table you you know more than me in some ways but I would say the promise of freer votes was incredibly appealing to me as the kind of politics that I that I want to see because I do think you you want that grassroots politics you want people to be it sounds trite now but that idea of being voices for the community in Ottawa not the other way around but there is a there's a truth to that. And so how do you get there and also maintain unity? And I think they navigated that quite well when in the leadership and then it became part of our platform in 2015, he articulated this idea of, well, we're going to have whipped votes on platform promises. Do I agree with everything in the platform? No, but I'll bite my tongue where I disagree and I'll certainly vote with the government. Two, on charter rights and human rights issues. And then three, and this is more fraught but on confidence matters more fraught i say because there were moments where they made certain things confidence matters that i didn't think they should have but you know that was that was the deal and that was the deal that you know you make with constituents it's the deal that you make with with members of the liberal party beyond that i think it's more about how you go about disagreeing and then it's making sure that you've given notice making sure that you've explained your reasons i i've i've uh i've joked i've been on many different whips couches but uh andy leslie i thought was the best whip in part because he would say why are you doing this and you'd run through the reasons he goes well have you have you engaged with them like do they know yeah well have they tried to convince you otherwise yeah and but here are the reasons okay well sounds like you thought about it kid get in my office and it was a there was a you could tell why he was an effective general because he he built respect as between you uh whereas you know the other approach is you have to vote with us. But that's not the deal, and here's why. And it's a less effective approach from a whip. But I would say how you, you know, I've used the example of electoral reform. I wasn't going and doing media saying Justin Trudeau is an awful person for breaking this promise, and, you know, he's, this is the most cynical thing he could have possibly have done, and what a bait and switch. I wasn't burning bridges and making this personal. I was saying, you know, he doesn't think a referendum is a good idea. Here's why I think there's a better forward and here's why I think we here's a way of us maintaining that promise and here's why I don't think we should have broken the promise and you know different people in the liberal party of different views I think the way we go about disagreeing and creating space for reasonable disagreement within the party outside the party but especially within the party really matters and then sometimes you just have to say there's an old Kurt Vonnegut line it's we are who we pretend to be so be careful who you pretend to be and I think it's double each room politics and so you know you want to wake up after politics and think I did the thing I was supposed to do when I was there. And sometimes that means being a good team player, and other times it means standing up and saying what you think. Okay, but back to questions for you.Catherine McKenna31:52 - 31:57Do you like that one? That was pretty good. Just put Nate on the hot speed for a little bit.Nate Erskine-Smith31:59 - 33:01You can ask me questions, too. Okay, so I was going to ask you why not politics, but you've sort of said, I've heard you say you felt that you were done, and you did what you came to do. But I want to push back on that a little bit, because you did a lot of things, especially around climate. First climate plan, you put carbon pricing in place, a number of measures. I mean, that gets all the attention, and we can talk about the walk back on it. But there's stringent methane rules, there were major investments in public transit, there's clean electricity. You run down the list of different things that we've worked towards in advance. And then we talk about consumer carbon pricing, but the industrial carbon piece is huge. Having said that, do you worry you left at a time when the politics were toxic, but not as toxic as they are today around climate and certainly around carbon pricing? And do you feel like you left before you had made sure the gains were going to be protected?Catherine McKenna33:02 - 33:11I think the lesson I learned, you can never protect gains, right? Like, you're just going to always have to fight. And, like, I can't, like, when am I going to be in politics? So I'm, like, 120?Catherine McKenna33:12 - 33:12Like, sorry.Catherine McKenna33:14 - 34:43And it is really true. Like, when I, the weird thing, when, so I'd been through COVID. I had three teenagers, one who, as I mentioned, is here. And I really thought hard. Like, I turned 50. And, like, I'm not someone who's, like, big birthdays. It's, like, this existential thing. I wasn't sad. It was, like, whatever. But I was, like, okay, I'm 50 now. Like, you know, there's what do I want to do at 50? I really forced myself to do it. And I really felt like, remember, I got into politics to make change. So I just thought, what is the best way to make change? And I really felt it wasn't, I felt personally for myself at this point, it wasn't through politics. I really wanted to work globally on climate because I really felt we'd done a lot. And I did think we kind of landed a carbon price. and we'd gone through two elections and one at the Supreme Court. So I felt like, okay, people will keep it. We will be able to keep it. So I just felt that there were other things I wanted to do, and I'd really come when I – you know, I said I would leave when I had done what I'd come to do, and that was a really important promise to myself. And I really want to spend time with my kids. Like, you give up a lot in politics, and my kids were going off to university, and I'd been through COVID, and if any parents – anyone been through COVID, But if you're a parent of teenage kids, that was a pretty bleak time. I'd be like, do you guys want to play another game? And they're like, oh my God.Audience Q34:43 - 34:44As if, and then they go to their bed.Catherine McKenna34:44 - 35:15They'd be like, I'm doing school. And I'd be like, as if you're doing school, you're online. Probably playing video game. But what am I going to do, right? Let's go for another walk. They're like, okay, we'll go for a walk if we can go get a slushie. And I was like, I'm going to rot their teeth. And my dad was a dentist. So I was like, this is bad. But this is like, we're engaging for 20 minutes. Like it was really hard. And so I actually, when I made the decision, like, but the counter, the funny thing that is so hilarious now to me is I almost, I was like, I'm not going to leave because if I leave, those haters will thinkCatherine McKenna35:15 - 35:16they drove me out.Nate Erskine-Smith35:16 - 35:18So I was like, okay, I'm going to stay.Catherine McKenna35:18 - 35:20And like, it was bizarre. I was like, okay.Nate Erskine-Smith35:20 - 35:21I don't want to stay when I'm staying. I don't want to stay.Catherine McKenna35:21 - 35:46I don't think this is the most useful point of my, like, you know, part of what I, you know, this is this useful, but I'm going to stay because these random people that I don't care about are actually going to say, ha ha, I chased her out. So then I was like, okay, well, let's actually be rational here and, you know, an adult. So I made the decision. And I actually felt really zen. Like, it was quite weird after I did it, where it was actually politicians who would do it to me. They'd be like, are you okay?Catherine McKenna35:47 - 35:49And I'd be like, I'm amazing.Catherine McKenna35:49 - 36:05What are you talking about? And, like, you know, it was as if leaving politics, I would not be okay. And then people would say, like, is it hard not to have stuff? I was like, I'm actually free. I can do whatever I want. I can go to a microphone now and say whatever. Probably people will care a lot less. But I don't.Nate Erskine-Smith36:05 - 36:07You can do that in politics sometimes too.Catherine McKenna36:08 - 36:08Yes, Nate.Nate Erskine-Smith36:09 - 36:09Yes, Nate.Catherine McKenna36:09 - 39:32We know about that. Yeah, it was just. So anyway, I left politics. I was not. I do think that what I always worried about more than actually the haters thinking they won. It was that women and women and girls would think I love politics because of all the hate. And once again, I'll just repeat it because it's very important to me. The reason I say the things that happened to me in the book is not because I need sympathy. I don't. We do need change. And I felt when I left, I said I would support women and girls in politics. One of the ways I am doing it is making sure that it is a better place than what I had to put up with. Now, sadly, it's not because it's actually worse now. I hear from counselors. I hear from school board trustees. I hear from all sorts of women in politics, but also men, however you identify. Like, it's bad out there. And it's not just online. It is now offline. People think they can shout at you and scream at you and take a video of it, like put it in the dark web or wherever that goes. So, you know, that's bad. But I feel like, you know, people are like, oh, we got to stop that. And that's what's important. There's a nice letter here. So as I said, I have like random things in here. But there's this lovely gentleman named Luigi. I haven't talked about Luigi yet, have I? So I was at the airport and this gentleman came over to me. And I still get a little nervous when people, because I don't know what people are going to do. Like I probably 99% of them are very nice, but it only takes one percent. So I always get like slightly nervous. And I don't mean to be because I'm actually, as you can see, quite gregarious. I like talking to people, but never exactly sure. And he hands me a note and walks away. And I'm like, oh, God, is this like an exploding letter? Who knows? And I open it and it's in the book. So I'll read you his letter because it actually, I put it towards the end because I think it's really important. because you can see I asked Luigi if I could put his note so his note is here so Ms. McKenna I did not want to disturb you as I thought so I thought I would write this note instead because I identify as a conservative in all likelihood we probably would disagree on many issues I find it quite disturbing the level of abuse that you and many other female politicians must endure. It is unfortunate and unacceptable, and I make a point of speaking out when I see it. I hope that you take consolation in the fact that you and others like you are making it easier for the next generation of women, including my three daughters, Luigi. And I was like, this is like the nicest note. And I think that's also what I hope for my book like I hope people are like yeah we can be we can actually disagree but be normal and you know okay with each other and probably most people are um most people are like Luigi are probably not paying attention but there are people that aren't doing that and I think they're also fed sometimes by politicians themselves um who you know really ratchet things up and attack people personally and And so that's a long answer to I can't even remember the question. But I mean, I left politics and I was done. And that's not related to Luigi, but Luigi is a nice guy.Nate Erskine-Smith39:34 - 41:21It's a I think I've got those are my questions around the book. But I do have a couple of questions on climate policy because you're living and breathing that still. And although it's interesting, you comment about politicians. I mean, there's a deep inauthenticity sometimes where politicians treat it as a game. And there's these attacks for clicks. Or in some cases, especially when the conservatives were riding high in the polls, people were tripping over themselves to try and prove to the center that they could be nasty to and that they could score points and all of that. And so they all want to make cabinet by ratcheting up a certain nastiness. But then cameras get turned off and they turn human beings again to a degree. And so that kind of inauthenticity, I think, sets a real nasty tone for others in politics more generally. But on climate policy, I was in Edmonton for our national caucus meeting. I think I texted you this, but I get scrummed by reporters and they're asking me all climate questions. And I was like, oh, this is nice. I'm getting asked climate questions for a change. this is good. This is put climate back on the radar. And then a reporter says, well, are you concerned about the Carney government backtracking on climate commitments? And I said, well, backtracking on climate commitments. I mean, if you read the book Values, it'd be a very odd thing for us to do. Do you worry that we are backtracking? Do you worry that we're not going to be ambitious enough? Or do you think we're still, we haven't yet seen the climate competitiveness strategy? I mean, you know, here's an opportunity to say we should do much more. I don't know. But are you concerned, just given the dynamic in politics as they're unfolding, that we are not going to get where we need to get?Catherine McKenna41:22 - 42:31I mean, look, I'm like you. You know, first of all, I did get into politics. I wasn't an expert on climate, but I cared about climate because I have kids. Like, we have this truck that's coming for our kids, and I'm a mother, so I'm going to do everything I can. I was in a position that I learned a lot about climate policy, and climate policy is complicated, and you've got to get it right. But look, I mean, you know, Mark Carney knows as much about, you know, climate as an economic issue as anyone. And so, I mean, I'm certainly hopeful that you can take different approaches, but at the end of the day, your climate policy requires you to reduce emissions because climate change isn't a political issue. Of course, it's very political. I'm not going to understate it. I know that as much as anyone. But in the end, the science is the science. We've got to reduce our emissions. And you've probably all heard this rant of mine before, but I will bring up my rant again. I sometimes hear about a grand bargain with oil and gas companies. We did a grand bargain with oil and gas companies.Catherine McKenna42:31 - 42:31How did that work out?Catherine McKenna42:31 - 42:32Yeah.Catherine McKenna42:32 - 42:33How did that work out? Tell us. How did that work out?Catherine McKenna42:33 - 47:27Let me tell you how that worked out. So we were working really hard to get a national climate plan. And I saw it as an obligation of mine to work with provinces to build on the policies they had. The Alberta government had stood, so it was the government of Rachel Notley, but with Murray Edwards, who's the head of one of the oil and gas companies, with environmentalists, with economists, with indigenous peoples, saying, okay, this is the climate plan Alberta's going to do. A cap on emissions from oil and gas. a price on pollution, tough methane regs, and, you know, some other things. And so then we were pushed, and it was really hard. I was the Minister of Environment and Climate Change, where we had a climate emergency one day, and then we had a pipeline. The next, I talk about that. That was hard. But the reality is, we felt like that, you know, the Alberta government, we needed to support the NDP Alberta, you know, the NDP government at the time early on. And so then what did we get? Like, where are we right now? We basically, none of the, either those policies are gone or not effective. We got a pipeline at massive taxpayer costs. It's like 500% over. We have oil and gas companies that made historic record profits, largely as a result of Russia's illegal invasion of Ukraine. What did they do with those profits? They said that they were going to invest in climate solutions. They were going to reduce their emissions. They were all in. But instead, they give their CEOs massive, massive historic bonuses. I'm from Hamilton. That's not a thing when you get these massive historic record bonuses. At the same time, they gave the money back to shareholders who were largely Americans. While they demanded more subsidies to clean up their own pollution, while we are in a climate crisis that is a fossil fuel climate crisis. I now feel taken for a fool because I believed that the oil and gas, like in particular, the oil sands would live up to their end of the bargain. You will see in the book also, I don't know, I probably can't find the page fast enough. I did pinky promises with kids because all these kids came up to me all the time and they said, like, I'm really working hard on climate change. You know, I've got a water bottle. I'm riding my bike. I'm doing like a used clothing drive, whatever it was. And I said, you know what? I'm doing my part, too. Let's do a pinky promise like a pinky swear. And we will promise to continue doing our part. Well, we all did our part. By the way, basically everyone in all sectors have done their part except for oil and gas when they had massive historic record profits. And I wrote a report for the UN Secretary General on greenwashing. And they were exhibit A, exhibit A on what greenwashing looks like, like saying you're doing things that you are not doing and while you're lobbying to kill every policy. So I just hope that people aren't taken for fools again. Like the grand bargain should be they should live up with their end of the bargain. Like that is what bargains are. You got to do what you say you were going to do. And they didn't do it. And as a result, it's extremely hard for Canada to meet our target because they are 30% and growing of our emissions. So I also think like, why are we paying? Why would taxpayers pay? So, look, I don't know. Hard things are hard, as my mug says that I was given by my team because I said it every single day, about 12 times a day. You have to make very tough decisions in government. And we're in a trade war. And also defending our we have to absolutely stand up and defend our sovereignty against the Trump regime, which is very dangerous and very destabilizing. but at the same time we can't not act on climate climate is a here and now problem it's not this fire problem like all these people were evacuated from communities the cost of climate change is massive people are not going to be able to be insured that's already happening and so i just think you gotta walk and chew gum you gotta like figure out how to you know build and grow the economy but you also need to figure out how to tackle climate change and reduce your emissions and to be honest, hold the sector that is most responsible for climate change accountable for their actions and also for their words because they said they were going to act on climate and they supported these policies and they are now still fighting to kill all these policies. You almost can't make it up. And I just don't think Canadians should be taken for fools and I think you've got to make a lot of choices with tax dollars. But I'm not in government And I think, you know, we have, you know, Mark Carney, he's very smart. He's doing a great job of defending Canada. You know, I think like everyone, I'm waiting to see what the climate plan is because it's extremely important. And the climate plan is an economic plan as much as anything else.Nate Erskine-Smith47:28 - 48:23And on that, I would say not just an economic plan, but when you talk about national resiliency, there's a promise in our platform to become a clean energy superpower. There's a promise in our platform to create an east-west transmission grid. And just in Ontario, when you look at the fact that not only are they doubling down on natural gas, but they're also importing natural gas from the United States. When solar, wind, storage is actually more cost effective, investments in east-west transmission grid and in clean energy would make a lot more sense, not only for the climate, not only for the economy, but also as a matter of resiliency and energy independence as well. Okay, those are my questions. So thank you for... Give a round of applause for Calvin. Thank you for joining. With the time that we've got left, Christian, we've got, what, 10, 15 minutes? What time is it? Okay, great. Okay, so does anyone have questions for Ms. McKenna?Audience Q48:25 - 49:09It's a question for both of you, actually. You guys have both been trailblazers in your own right, I think, inside and inside of politics. And you talk a lot about building your community and building your team, whether it's swimming or local politics, and also demanding space in those places to be competitive, all the way up from your local team up to the prime minister. But I'm curious on the other side of that, what does it look like to be a good teammate inside and inside of politics, and how do we support more people, for those of us that might not be running, but trying to get more people like you? Or maybe as an example, somebody that supported you in your run?Catherine McKenna49:11 - 49:56well i mean look i'm trying to do my part and so what i did and it's like what most of you did you go support people that you think are good that are running so i in the last election i went and i supported people that i thought were serious about climate including in ridings that we had never won before um and i also well probably especially those writings um and i also supported women candidates that was just a choice I mean but I think everyone getting involved in politics is a great way to do it but also you know when you think there's someone good that might be good to run you know you know talk to them about it and as I said for women they need to be asked often seven times I think is it so like for women maybe just start asking and if we get to the seventh time maybeNate Erskine-Smith49:56 - 51:38really good women will run and I would add I suppose just on locally I have found one, going into schools and talking politics and encouraging people to think about politics as an opportunity has translated into our youth council. It's then translated into our young liberals internship over the summer where we make sure people are able to be paid to knock on doors and just maintain involvement. And then a number of those people come through either our office and then they're working in politics in the minister's office or in the prime minister's office or they're going to law school or they're adjacent to politics and helping other people and just encouraging people to at least be close to politics so that they see politics as a way to make a difference, there will then be people that will want to run from that or help encourage other people to run. The second thing, and I'll use Mark Holland as an example, when I was running the nomination and I didn't have contacts in the party, but I had someone who knew Mark Holland and he gave me advice to think about it like concentric circles when you're running a nomination where you have people who are close to you and then the people who are close to you will have 10 people that are close to them that maybe they can sign them up for you or maybe they just are they open the door and I you know if so if someone opens the door to a conversation with me I feel pretty confident that I can close the sale but if the door is closed in my face I'm not gonna I'm not gonna even have an opportunity to and so just that idea of building out you start with your your home base and you build out from there build out from there so I just think I have in the last week had conversations with two people who want to run for office at some point, they're both under the age of 30, and I've given that same kind of advice of, here's what worked for me. It may work for you, it may not, it depends, but find where your home base is, and then just grow from there. And so I think just spending time, likeAudience Q51:39 - 52:30giving one's time to give advice like that is really important. Yeah. Building on that, that's, I wanted to, because I think that does nicely into what you said earlier, Catherine, about and really encouraging young women in particular to get into politics. But it's not just, it's all the peripheral people, people that are peripheral to politics, your concentric circles, so that you don't necessarily have to run for an office. And I appreciate what you've done for girls. But I also want you to know that, I mean, I'm older than you, and still you are a role model to me. Not only that, though, I have sons in their mid to late 20s. and I've made sure you're a role model and women like you are a role model to them because I think that's how change begins.Nate Erskine-Smith52:32 - 52:34This was entirely planted just for you, by the way.Catherine McKenna52:35 - 52:37No, but I think that's...Nate Erskine-Smith52:37 - 52:40So I do think that's important, right?Catherine McKenna52:40 - 53:26My book is not... Run Like a Girl, I'm a woman, I identify as a woman and there's a story about how I was told I ran like a girl and so it really bugged me. So it's kind of a particular thing. But I think that is important. Like, you know, this isn't exclusive. Although, you know, there are, you know, certain different barriers, at least that I'm aware of, you know, that if you're a woman, if you're LGBTQ2+, if you're racialized or indigenous, there could be different barriers. But I hear you. And I think, you know, we do have to inspire each other in a whole range of ways. So that is very nice. I hope that, I mean, I'm not, you know, looking to, you know, you know, for kudos. I really, but it is nice to hear that you can inspire people in a whole different way, you know, range of ways.Audience Q53:26 - 53:47It's really, yeah, it's really not about kudos. It's about, you know, it's not that my intent is not just to applaud you. It's just, it's to, it's to recognize you. And that's different, like being seen, holding place, holding space for people to be involved. And so I do have one actual question of this.Catherine McKenna53:48 - 53:50You can ask a question after that.Audience Q53:51 - 53:57Regarding pricing, carbon pricing, how would you communicate the rollout differently?Catherine McKenna53:58 - 54:43Well, I would actually fund it. So hard things at heart, I'm like, okay, well, first of all, we know the Conservatives were terrible. They lied about it. They misled. They didn't talk about the money going back. The problem is, like, we hampered ourselves too. And it was really quite weird because I was like, okay, well, we need an advertising budget because clearly this is a bit of a complicated policy. But the most important thing I need people to know is that we're tackling climate change and we're doing it in a way that we're going to leave low income and middle income people better off. You're going to get more money back. That's very, very important. The second part of the message is as important because I knew the conservatives were going to be like, you're just increasing the price of everything. But we were told we couldn't advertise. And I was like, why? And they said, well, because we're not like conservatives because they had done the, what was the plan?Nate Erskine-Smith54:43 - 54:51The economic action plan. The signs everywhere. They basically, what Ford does now, they were doing it.Catherine McKenna54:51 - 57:40So that sounds really good, except if you're me. Because I was like, well, no one really knows about it. So I'm like one person. And we got some caucus members, not all of them. But Nate will go out and talk about it. Some people will talk about it. But I said, people are entitled to know what government policy is, especially in this particular case, where you've literally got to file your taxes to get the rebate. Because that was the second mistake we made. I was told that we couldn't just do quarterly checks, which would be much more obvious to people, even if it was automatically deposited, you actually named it properly, which was another problem. But, you know, all of these things that are just normal things. And instead, we were told, I was told by the folks in the Canada Revenue Agency, there's no way we could possibly do quarterly checks. after COVID, when we did everything, we blew everything up, then they were like, oh, actually, and this was after me, but they were like, we can do quarterly chaps. I was like, well, that's really helpful. Like, that would have been nice, like a little bit longer, you know, like the beginning of this. And so I think like, we do need to be sometimes very tough, like, don't do things that sound great and are not, are really hampering your ability to actually deliver a policy in a way that people understand. So like, it's just a hard policy. Like, you know, people say, would you have done, what would you have done differently? Yes, I would have communicated it differently. I tried. Like, I was out there. I went to H&R Block because I saw a sign, and they were like, climate action incentive. Oh, by the way, we couldn't call it a rebate because the lawyers told us injustice. We couldn't do that, and I'm a lawyer. I was like, what? And so I should have fought that one harder too, right? Like, I mean, there's so many fights you can have internally as well, but, you know, there I am. I was like, oh, H&R Block, they're doing free advertising for us because they wanted people to file their taxes, so then I would make, I said to all caucus members, you need to go to your HR block and get a family. I don't even want to see you necessarily. I want a family to be sitting down being told they're getting money back. And, and so like, look, I think it's just a hard policy. And, and what happened though, I mean, read hard things are hard, but the chapter, but it's, um, and people will be like, I'm definitely not reading that chapter. You can skip chapters. This book is like, go back and forth, rip things out. I don't, you don't have to read it in chronological order or read particular chapters. But was if the price is going to go up every year, every year you better be ready to fight for it because every year you're literally creating this conflict point where conservatives are like, they're on it. They're like spending so much tax dollars to mislead people. Remember the stickers on the pump that fell off? That was quite funny. They actually fell off. But you're going to have to fight for it. And so we just, it's a hard, it's a very hard policy. I did everything I could. And I don't live with life with regrets. I think it was really important. And by the way, it's a case study outside of Canada.Catherine McKenna57:41 - 57:42Everyone's like, Canada.Catherine McKenna57:42 - 57:52I was like, oh, yeah, there is like a little different ending than you might want to know about what happened. But they're like, yes, this is, of course, how we should do it. Should be a price on pollution. Give the money back.Nate Erskine-Smith57:52 - 58:38I went to a movie at the Beach Cinema with my kids. And there was an ad. This is years ago. But there was an ad. So we were advertising. But it was advertising about the environment climate plan. and it was like people in canoes. And I was like, what is this trying to, like we're spending how much money on this to tell me what exactly? And I went to, Stephen was the minister, and I went, Stephen, can we please advertise Carbon Pricing Works, it's 10 plus percent of our overall plan, and 80% of people get more money back or break even. Just tell people those three things, I don't need the canoe. and then he was like oh we can't we we they tell it they tell us we can't do it no no and that'sCatherine McKenna58:38 - 58:55what you're often told like it is kind of weird internally the amount of times you're told no like on advertising it is a particular thing because like and so then you're like having a fight about comms i was like oh my gosh can we don't think the canoe is going to win this carbon and it didn't turns out i love canoeing by the way so maybe it would have convinced me if i wasNate Erskine-Smith58:55 - 59:01i think last question we'll finish with that with maryland hi i'm maryland and i also happen to beAudience Q59:01 - 01

Reid Holmes has spent his career in some of America's biggest and best ad agencies, first as a copywriter, but rose quickly to creative director and then EVP Executive Creative Director. Reid is now a speaker, consultant, and author. What do brands need to do today to get noticed? How do I get better results without raising my marketing budget? What is the "Brand Appreciation Pyramid?" How can I find my Unique Appreciatable Solution? How can CMOs best help CEOs to create success? Reid Holmes Reid Holmes has spent his career in some of America's biggest and best ad agencies, first as a copywriter, but rose quickly to creative director and then EVP Executive Creative Director. Reid is now a speaker, consultant, and author. In his career, Reid has helped change the trajectory for brands like H&R Block, The Mayo Clinic, Burger King, Toro, Domino's Pizza, and many others. As his kids reached high school age, Reid realized he could leave a more meaningful legacy. After 30+ years in advertising, Reid found the best marketing seeks to earn appreciation for what it says, does, or solves. Reid believes it's not only time for marketing, advertising, and PR to rise up and do more good for the world, but it's in a brand's best interest if it wants to get noticed, build meaning, and grow. Reid Holmes lives in the Twin Cities with his wife of 26 years, Katy. Excellent Executive Coaching Podcast If you have enjoyed this episode, subscribe to our podcast on iTunes. We would love for you to leave a review. The EEC podcasts are sponsored by MKB Excellent Executive Coaching that helps you get from where you are to where you want to be with customized leadership and coaching development programs. MKB Excellent Executive Coaching offers leadership development programs to generate action, learning, and change that is aligned with your authentic self and values. Transform your dreams into reality and invest in yourself by scheduling a discovery session with Dr. Katrina Burrus, MCC to reach your goals. Your host is Dr. Katrina Burrus, MCC, founder and general manager of Excellent Executive Coaching a company that specializes in leadership development.

What do you get when you mix a 70-year-old legacy brand, Gen Z tax filers, and a reality TV show called Responsibility Island?An absolute marketing fever dream. And Jill Cress — CMO of H&R Block — is the mastermind behind it. We unpack how she's giving TurboTax-meets-Gen-Z realness. We're talking Roblox integrations, bold brand storytelling, and what happens when you challenge a category that's historically allergic to change.We cover:– How H&R Block turned tax season into a cultural moment– What marketers get wrong about Gen Z (and how to fix it)– Why AI is useful, but human empathy still pays the bills– The 4 E's of customer experience (one of them might make you cry)This is legacy brand marketing with ✨main character energy.✨Press play. Take notes. Maybe even call your tax pro. Key Moments:00:00 Introduction to Jill Cress, CMO of H&R Block01:49 H&R Block's Legacy and Innovation13:03 Challenges and Surprises in Marketing19:45 Responsibility Island: A Bold Marketing Move25:41 Measuring Success and Future Plans30:59 Differentiation and Brand Storytelling33:15 Life Stage Stories and Customer Experience38:21 The Role of Empathy in Customer Relationships44:08 AI in Tax Assistance51:33 The Future of Brand Storytelling53:43 Advice for Young Marketers57:02 Relevant or Irrelevant: Lightening Round Mission.org is a media studio producing content alongside world-class clients. Learn more at mission.org.

Magister Bill responds to your questions about Satanic success, the construction of Satanic rituals, joining the Church of Satan, a Satanic look at Star Wars "Sith" mythology, and the impact over the years that technology has had on learning Satanism itself. Support Satansplain: https://satansplain.locals.com/support  00:00 - Intro 01:05 - Satanic Success 07:41 - Praise from New Zealand 08:54 - Sith and Satanism? 14:00 - Some misconceptions of "DIY ritual" 21:48 - Satanecdote 27:00 - On mailing addresses and 6/6/60 31:51 - Technology and the experience of Satanic resources 40:11 - The real power of Satanic ritual tools 43:45 - Miscellaneous personal questions

Join us for a special episode featuring Lou Carbone, widely regarded as the father of the experience management movement. As the founder, president, and chief executive, Chief Experience Officer of Experience Engineering, a Minneapolis-based consulting firm dedicated to customer and employee experience management, Lou brings over 30 years of expertise to the discussion. He pioneered the field with his groundbreaking 1994 article "Engineering Customer Experiences," which may have originated the term "customer experience."   Lou is also the author of the book Clued in, How to Keep Customers Coming Back Again and Again and has worked with major companies like Pizza Hut, KFC, Avis, H&R Block, General Motors, IBM, and Taco Bell. He has lectured and taught at leading institutions like Harvard Business School and Cornell School of Business and is currently a Professor of Practice at Michigan State University in the Customer Experience Management Program.   Why listen?   Lou believes the profession is at a crossroads and will challenge conventional thinking about CX, exploring the current state of the profession and offering insights into moving beyond traditional approaches to create truly distinctive value.   He will discuss how organizations can shift their focus from how customers feel about the brand to how they cause them to feel about themselves after interacting with the brand, highlighting the critical role of emotional imprinting in designing memorable experiences that drive value. Tune in as we explore: •What does it mean when we say "customers cannot not have an experience," and how does this fundamental truth shape the approach to experience management? •How can organizations move beyond fixing problems ("fixing broken") to design experiences that leverage emotional imprinting and lead to "distinctive economic value"? •In a world where the definition of CX is fragmented, how can understanding "next practices" rooted in emotion, psychology, and neuroscience help prove the ROI and Return on Strategy of experience management initiatives? -------------------------------------------------------------------------------- If you enjoyed this episode, please subscribe, rate, and review the Delighted Customers podcast on your favorite platform! Your support helps us bring you more insightful conversations with leaders shaping the future of customer experience.   Apple Podcasts (US): https://podcasts.apple.com/us/podcast/the-delighted-customers-podcast-with-mark-slatin/id1635863804 Spotify: Search "The Delighted Customers Podcast with Mark Slatin" in the Spotify app or website Amazon Music: https://music.amazon.com/podcasts/928496db-78cc-4f1e-ba61-d62a1fa1af06/the-delighted-customers-podcast-with-mark-slatin radio.net: https://www.radio.net/podcast/delighted-customers-podcast Official Website & Other Platforms: https://www.empoweredcx.com/podcast

Jill Cress is the Chief Marketing and Experience Officer for H&R Block. She also serves on the board of the AdCouncil, and she's been recognized on Forbes' list of the World's 50 Most Influential CMOs. Before H&R Block, Jill spent 20 years at MasterCard. Now, a leader who spends most of their professional life working in financial institutions could easily build their success around the study of data, but the foundations of Jill's leadership are based on the most valuable investments of all. Delivering results has always been table stakes when you're stepping into a leadership position, and money will and should sit squarely on that table as one essential definition of success. But enduring financial success is a consequence of your willingness to take your eyes off the financial prize and fix them squarely on your most valuable assets: The people that work for you. And what matters to them are two things. First, that they matter. And second, that what they're doing makes a difference. During our conversation, I talked to Jill about the creativity diagnostic tool that we've developed. It measures when leaders are creating the conditions that maximize the creativity of their people. One of the critical insights that shows up time and time again is that the very best leaders are fully invested in creating a culture that ensures that everyone feels seen and heard and respected. Now, this investment carries personal risk, because it can make you as the leader feel vulnerable, and it is time consuming. But the ROI is through the roof. So what are you investing in?

Today in AI is a daily recap of the latest news and developments in the AI industry. See your story and want to be featured in an upcoming episode? Reach out at tonyphoang.com H&R Block has partnered with Open AI to develop a generative AI tool aimed at enhancing the efficiency and accuracy of tax preparation by 2026. This collaboration promises to streamline tax processes, reduce errors, and provide personalized tax advice. This marks a significant advancement in the tax industry amidst ongoing changes in tax codes and IRS staffing challenges, potentially transforming how individuals and businesses handle their tax obligations. Adobe's strategic investment in Synthesia underscores the growing importance of AI in video production. Synthesia's platform enables businesses to create high-quality videos using AI-generated avatars, aligning with Adobe's broader strategy to integrate advanced AI technologies into its product suite. This move is expected to enhance video creation efficiency and expand Adobe's market presence, positioning the company at the forefront of AI-driven content creation. The U.S. Commerce Department has initiated an investigation into the importation of semiconductor technology to assess the feasibility of expanding domestic production and the need for additional trade measures to protect national security. This move highlights the administration's commitment to reducing reliance on foreign imports and addressing supply chain vulnerabilities. The investigation has significant implications for the semiconductor industry and international trade relations, potentially leading to increased domestic production and new trade policies. Open AI is considering launching a social media platform to compete with giants like X and Instagram, driven by the popularity of its new image-generation feature. The tool allows users to create detailed images from text prompts, which has caused server strain due to high demand. This development highlights the growing trend of multimodal AI capabilities and Open AI's potential to disrupt the social media landscape with innovative technology.

The Floresville Chamber of Commerce hosts a ribbon cutting March 1 to celebrate the grand reopening of H&R Block at its new location in Heritage Plaza at 919 10th St. in Floresville; it was previously located at 935 10th St. To learn more about H&R Block's tax preparation services, call 830-393- 3215.Article Link

Andy Phillips, vice president of the Tax Institute at H&R Block in Kansas City, MO, offers advice and answers questions on this day before the deadline to file income tax returns.

Keith introduces the three types of freedom: time freedom, money freedom, and location freedom, and how real estate investing can provide all three. He is joined by special guest, Loral Langemeier, a global wealth expert, who shares her journey from a $25,000 investment to becoming a millionaire through real estate and mentorship.  Debt is Not Negative: Loral emphasized that debt is simply the cost of money and can be a positive tool when used responsibly. Tax Strategies for Wealth Building: She introduced the "tax trifecta" - understanding how you make money, how to activate tax code deductions, and how to invest in alternatives like real estate to reduce taxes.  Active Engagement and Mentorship: Loral stressed the importance of actively engaging in your wealth-building journey, getting the right mentors, and continuously learning. She believes the difference between those who succeed and those who struggle is their level of active participation and willingness to learn from experts. Resources: Ask questions and make requests at AskLoral.com to receive free tickets, ebooks, and other resources. Show Notes: GetRichEducation.com/549 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, it's the first time that we have a certain legacy finance personality on the show. We're talking about how you can cultivate your own personal wealth mindset, how to creatively add value to your real estate and how to put your kids to work for big tax deductions and more. Today on get rich education.    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, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:12   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  1:28   Welcome to GRE from the second state of Pennsylvania to the second to last State of Alaska and across 188 nations worldwide. I'm Keith weinholding. You are back for another wealth building week. This is get rich education, and coincidentally, they are the two states where I've lived my life. Every single one of us has a gap in our lives. There is a gap between who you are and who you could be. And today, my guest and I will talk about this some more. Look, there are people who should already be financially free, but they're not. Their residual income could exceed their expenses by now, yet they aren't financially free. It's not because they're lazy, it's not because they're stupid, it's because they're stuck in one of these three traps. Number one, they're working harder instead of smarter. Number two, they're playing small instead of playing to win, which is like paying off low interest rate debt instead of keeping their own money, like I discussed last week, or thirdly, investing in all the wrong things, or not investing at all. And the worst part is that these people don't even realize that they're doing it. Most people aren't even cognizant. They don't have any awareness of the gap. You're not going to make progress on closing a gap that you don't know exists, you've got no chance of hitting a bull's eye when you're aiming at the wrong target. And I think it helps to develop a structure in your life where you have to tell yourself, I better do a good job here, or else. Yeah, it's the or else part that's a motivator. Now, some people won't extrapolate that mantra beyond the workplace. The number one thing that keeps employees showing up at work is fear. They tell themselves, I better show up at work on time, or else, I better do a good job on this project, or else I better give a great sales presentation. Or else. Now that's all well and fine, but to close the gap between who you are and who you could be, tell yourself something on a higher level, like I had better get some residual income outside of work, or else I'm going to stay stuck in a soulless job forever, and I'll never get that time back. So you've got to set up the right for else consequence for yourself. And then, yeah, of course, there are smaller ones like, I better avoid eating kettle chips, or else I'll gain weight. Let's be mindful that there are three types of freedom. You've got three types time freedom, money freedom and location freedom. Real Estate Investing gives you all three. You can make an unlimited income. There's the money freedom part. You can remotely manage your property managers from anywhere. There's your location. Freedom. And since you're not directly responding to your tenant, your property manager is, well, there's your time, freedom, you've got a buffer from emergencies, once you get this dialed in, and it does take a few years, oh, now you've got the time freedom, the money freedom and the location freedom. What do you want to avoid only making a big income? It was recently reported that Wall Street bonuses were way up this past year. Okay, yeah, but how happy are those finance worker Manhattanites who wear an iron pressed button down shirt and a Patagonia vest for 14 hours a day. That's not time freedom for sure, and it isn't location freedom either, unless it's 100% work from anywhere. You know, in my life, I recently got a great reminder of this. It really hit me. I have this close friend. He was the valedictorian of our high school class. I think I brought him up before. He's still a tight friend. I mean, sometimes we go on vacations together. Well, we have a high school class reunion back in Pennsylvania this summer, and among him and our other like, closest group of friends, my tightest guys, I'm always encouraging everyone to, hey, spend at least a week together, because we can't all get together like this that often, and because I have the time freedom to kind of suggest that and even push for that. Well, my valedictorian friend, he is a surgeon in St Louis, and among this tightest knit group of friends, he's the only one that cannot get the week off so that we can all hang out together more after the reunion. Instead, he can only get three or four days. He's got to get back to work as a surgeon in St Louis. Now, I'm sure he's compensated really well, and he doesn't live a bad life, but as a surgeon, you know, it's just become blatantly obvious that he doesn't have either the time freedom or the location freedom. Yet I do as a remote real estate investor, even though it's not something that I studied in college, but my valedictorian surgeon friend, you know, he had a long educational path, you know, undergrad and med school and residency and a ton of training and all these years tied up in his medical education. Therefore, you know, sometimes when people do that, they feel obligated, like that's what they should do, that's what they have to do, because he's already put so much into it. But he only has one of the three types of freedom. And no matter what you went to school for, if you find out about something better, like a great business idea or remote real estate investing, you've got to consider pivoting into that and go into that if it makes sense for you, the world changes. It keeps getting faster, and you've got to change with it. So obtaining financial freedom through real estate helps you deal with an external locus of control issue where life is constantly happening to you, rather than something you can influence. When you're an employee, life happens to you more often than when you're the one pushing the buttons, when you control the three freedoms now, you are narrowing that gap between who you are and who you could be.    I didn't mention it previously. Two weeks ago, I brought you the show from Las Vegas, Nevada, last week, from just outside Colorado Springs. And today I'm here in Anchorage, Alaska, where I'll be for a few weeks before heading to London, England, and then from there, on to Scotland. I plan to visit the former home of the father of economics when I'm in Edinburgh, Scotland, of course, that is Adam Smith, the author of The Wealth of Nations. I might tell you more about that at that time.    Before we bring in our guest this week, a quarter recently ended.  Here is our asset class rundown. The NAR reported that the median sale price of an existing home rose 3.8% year over year in February, marking the 20th straight month that sale prices increased year over year. Mortgage rates fell from 6.9% to 6.6 per Freddie Mac this is all year to date. Q1, the S, p5, 100 was down four and a half percent. The NASDAQ down 10 and a half percent. That's officially correction territory, as those tariff years dominated. The quarter interest rates of all kinds are a little lower yield on the 10 year, Tino falling from 4.6 to 4.2 despite inflation concerns, inflation hovering just under 3% for most of the quarter, Bitcoin down 12% oil is still super cheap, beginning the quarter where it ended near 70 bucks. Gold has been the star performer this year. Are up 17% just in the quarter, and for the first time in history, has searched the over $3,000 an ounce, its best quarter since 1986 in fact, this century, gold has now outperformed the S, p5 100 by two and a half times. Just incredible. There's our asset class rundown. Let's speak with this week's guest.   This week's guest has been a long time, prominent, well known name, perhaps even a household name. She is a global wealth expert, six time New York Times, best selling author, and today, she runs integrated wealth systems and other alternative asset platforms since 1996 she's been involved in multiple areas of finance, mentoring, real estate investment, business development and gas and oil. And much like me, she teaches people her strategies on how to make money, invest money and keep money, but together, you and I can look forward to getting her spin today, and you've seen her seemingly everywhere over time, in the USA Today, The Wall Street Journal, the view Dr Phil in every major legacy network channel, many times she is on a mission to change The conversation about money. She was known as the millionaire maker from back when a million was actually a lot of money. Welcome to GRE Loral Langemeier.   Loral Langemeier  11:31   hey, thank you. It's great to be here. Look forward to talking with your audience,   Keith Weinhold  11:35    Laurel, though we're a real estate investing show and audience here, I think that you and I would agree that wealth building starts in the mind that most valuable six inches of real estate between our ears. What's your take on cultivating a wealthy mindset?   Loral Langemeier  11:50   You got to hang out with millionaires. I said the fastest way to become a millionaire is hang out with them. Is for me. I knew that's what happened. 1996 Bob Proctor introduced me to Robert Kiyosaki, Sharon Lechter, I flew down, sat at her kitchen table. I walked out that day. I flew in as an exercise physiologist for Chevron, building fitness centers in their blue collar like offshore oil rigs, refineries like the sexiest places in the world, Kazakhstan and goal Africa. I went in as an exercise physiologist. I went out the next day as a master distributor with a cash flow game. And I jumped, I quit my job and said, I'm going to go follow this Japanese kind of game around. And I was teased and teased and teased. Keith because, I mean, Rich Dad, Poor Dad didn't really hit until 1998 so sort of this risky proposition. But like with anything you say yes, you figure it out. And I knew people asked me over the time. They said, What would have happened if Rich Dad, Poor Dad didn't hit, if it didn't become as big? I said, we just opened up another door that's such a message for people, their need to see the path of how to do everything before they move is honestly one of their biggest saboteurs. So for mindset, I think mindset also goes with knowledge, because I just know, having taught this, you know, just this whole millionaire hold like a millionaire maker book. And for all your listeners, I can give them a ebook copy of the millionaire maker. So love to give that out to everybody for free. However. You want to do that in the show notes, but becoming a millionaire is the same thing as take like you said, you got to learn to make money. As an entrepreneur, even if you have a job, you've got to learn to make money. You've got to learn to keep it through better tax planning, and you have to invest in alternatives, which is why real estate was my first millionaire status. And I've been a millionaire now in nine industries. So that's kind of exciting new hit nine industries this last year. So done in a lot of different categories. Real Estate was my first in 1999 and during that period, if it wasn't hanging out with Robert Sharon, Keith Cunningham, like Bob Proctor. I mean the guys. I mean when you're living around millionaires, the fastest way to not only get your mindset, but then your behavior and your knowledge levels just skyrockets because you're around I mean people who live it, and they're living it every day. I think those who sit on the bleacher seats, I call it Keith, where they're just watching, reading, but never getting in the game. They're the ones who like they're sitting in the oyster seats, right? They're just watching. They're not actually get on the playing field.   Keith Weinhold  14:09   Sure, it harkens back to the classic Jim Rohn quote, you are the average of the five people that you spend the most time with. Laurel when it comes to mindset, one thing I think about is that every single day, 8.2 billion humans wake up, and every single one of us has this gap between who we are and who we could be, yet most of us make zero progress on this ever present gap. So when it comes to wealth mindset and finances, what can we do?    Loral Langemeier  14:38   You gotta get a mentor and a coach. And I got a mentor and a coach when I was 17, what shifted me and really changed the whole trajectory of my life. I grew up at farm in farm girl in Nebraska, and at 17, I was going off to university, also going to play basketball. And so I went to one of those pre sports seminars, and Dennis Whateley was a speaker. And. And I ran to the front of the stage, and I got the book, Think and Grow Rich, and that I can tell you, a farm girl 17, going like, there's a whole other way to live. So instead of going to school to get a law degree, which is what I went into, which I still think I'd be a heck of a little debater and negotiator, but I do that enough in business now, I got a finance degree, and I just studied. And my first mentor at 17, I walked into a bank, and I remember asking the bank president, will you mentor me? Because rich people put their money here. I need to understand money, because I don't understand it. And I was never really raised in that conversation, which I would say, 99% of the planets that way. And I have taught and traveled this work since, you know, 1999 when I became a millionaire, Keith, I've put this work into six continents, all but Antarctica. So I know it works in principle. Everything we will talk about today works in every continent. The benefit is the United States has the most corporate structure, the best tax structure, the best tax strategist, stack strategies. So even my high net worth international clients end up, typically in Nevada, with a C Corp or some sort of asset company or trust, where then they can buy us real estate, US gas and oil and activate our tax code for them. So we do a lot of really high, high level international strategies. Just because I bent all over to do that, when very blessed to do that, it's interesting, because I think mentoring, you're not going to be taught this. And what drives me crazy when people say, and I'm sure you've heard this a million times on your podcast too, Keith, schools should teach this. No, they shouldn't. Parents, you need to teach it. You need to be more active in your household than your family. And instead of letting Tiktok raise your kids, you need to raise your kids. So I do a lot of work in this category, because my kids are now 18 and 25 raised them a single mom, but legacy work is critical, and that's why I have a game. I have a millionaire maker game. So from the cash flow game, I have a game, and I think the parents have got to put the conversation about money in the household, and they got to monitor like, what they say, you know, don't ever, ever say to a child. Don't ask for it, or, you know, or we can't afford it, because you can afford anything you want if you learn to make money. And I think Keith is part of this. I know we're in a real estate show, but you know, how many people want to be real estate millionaires and never make it? How many people want to do like you said, whatever, the life they're really meant to live? But again, I think they're in I don't think I know their environment, who they hang out with, who they spend time with, what they read there. Are they binging your podcasts and my YouTube channel, or are they binging Netflix and Hulu and watching John like how you feed your mind and what content, how many books you read? I don't care if they're ebooks audiobooks, but you've got to put new content in your brain all the time and be around the people making it happen.   Keith Weinhold  17:41   Oh, that's great. Sure. To change yourself. You got to change your five, change your mentors, change your influencers, and, yeah, be that parent that teaches your children about money, and you don't have to teach that money is a scarce resource. I really just think that's one part of a mindset. That's where most people's mind goes when they think about money. They think about it as a scarce resource for one thing, and it's pretty counterintuitive with the mindset. I mean, if you want to be in the top of 1% you're probably going to be misunderstood and even iconoclastic.   Loral Langemeier  18:13   Yep, I would agree. And you know, another thing with mindset that I think is interesting is, and again, I'm gonna go back to knowledge, about consuming the right knowledge. And on my YouTube channel, which is, you know, Laura Langmuir, The Millionaire maker, it's family friendly. It's for five years old and up. We actually have a YouTube journal, Keith, that we did, where it says, What day did you watch the video? What did you learn? What will you do? And in 365, days, because I'm there every day, here is your this. And that's what I tell parents. I said, get yourself and get your kids a journal and at least one lesson from every recorded, you know, video. So I would say, give me five to 10 minutes a day just for a new piece of content. And the biggest one that is searched on my channel. I want to relate this to real estate is people's mindset and understanding with debt. They have such a negative, negative relationship to debt. And I want to start with this. Debt is the cost of money period. It is not negative. I think it's the most positive thing you could do. And as a real estate investor, arbitraging debt, meaning, if you can get debt for two, 3% or 0% I have over 500 sources, I can get 0% financing for 21,24 months, that's free money that's not hard money, that's not 13% 14,15, that's free. And I would go into a million dollars of 0% debt I have, and I will at the end if I can invest it and make 10,12, 20, 30% so people need to learn, debt is your friend. If you use it in a responsible, organized and educated way, it is absolutely your enemy if you're using it to buy lifestyle crap. So like, debt is such a weird thing. Keith and I don't care how long I've had clients, if they grew up with a lot of debt and a negative impact around money, they can be a millionaire and still have this weird relationship to death. Oh my god, debt, and it's literally. They tremor. It's like it's just money, and there's plenty of it. It's just the cost of it. Or is it being paid to you, or are you paying it out and arbitraging that that range could build. I mean, that alone, if you just learned that strategy and applied it on top of your real estate strategy, would triple, if not 10x your portfolio,   Keith Weinhold  20:19   like we say around here at GRE financially free beats debt free. You understand the difference? So does our audience. A lot of people don't. In fact, trying to retire your debt and slow your progress toward being financially free. I love it. Yep, you know what's funny, Laurel, just like you're coming on this show today, sometimes I'm a guest on other shows, and the way I've started to have the host introduce me to say, Hey, if you want your show to get some attention, say that our guest today, me has millions of dollars in debt, and he has from a young age that attracts attention. They think it's a negative thing. They don't know that my debt is outsourced to tenants. They don't realize a net worth statement. That's only the debt side of the column. We haven't talked about the asset side of the column, so it's really just an example of being paradoxical and iconoclastic. There we move beyond the mindset Laurel. I know you have some really actionable things on how you can help people build wealth quickly. Tell us about that.    Loral Langemeier  21:16   So again, using debt is a massive piece of it. I'll just talk about some of the stories, like when I got into real estate in 1999 real estate in 1999 I lived in Marin, California, Sausalito, specifically right on the water. I shouldn't be on one side, right the San Francisco Bay. And got pregnant at 19 January, 8 was like, Oh, little sticks like, Oh, I'm gonna be my mom. And I knew I'd be a single mom. So I entered parenting as single mom, and I struck that, you know, another check for $25,000 seems to be the number for a real estate mentor that I've been kind of putting off. And I said, Oh, it's time. I said, so right now let's go. I have nine months. And he said, Why do we have nine months? I said, I'm really close to being millionaire, but I gotta hit millionaire status. And I need this much cash flow by my 34th birthday, which was June that year. I said, because in September, I'll be having a baby. And he went, what dropped the phone, and so he said, All right, so I wired him the money, and he said, meet me in Oklahoma City the next day. Yeah, well, there's a ticking clock. Yeah, there was my timeline nine months. But we went straight to the streets. And I think for the for me, I was privileged to be with a whole team, and I don't think I am a massive advocate. If you don't know what you're doing and you haven't done it, why take 100% risk in any industry that you've never played so I only got 15 20% of that run. But here's what I came with. In 1999 I knew how to build a database because Bob Proctor taught me that. So during the cash flow era, I bought my own inventory, took out debt, bought $500,000 of games, put them in my own warehouse so I could collect my own database. So from 96 to 99 I had acquired 18,000 people who had bought Rich Dad, Poor Dad books, cash flow, cash flow, 101202, all his the products, and I had my own financing. So I was doing my own product. I had my own stuff. And all this is a big backstory, because a lot of you in real estate don't have a database. And here's the value I brought to that team that earned me another almost 10, 15% of equity is I brought 18,000 people, and when they saw that, they're like, you could help us raise the money, I said, I don't know to raise money. And they said, we do so again, I bought my way into a team for 25,000 in a mentoring program. There's about 10 of us that met in Oklahoma City, went down to Norman, and within less than a month, we raised $16 million out of that database. They did. I didn't know how to do it again. I sat on the sideline, but highly mentored and guided. So I was on a winning team from the beginning. We bought so much real estate, and then we went into the remodel. And so right then it's like, well, let's own the construction company, so that way we could get better buys. We can buy for the whole street. We can buy for the whole apartment. So we bought we started construction companies. We started being the distributor of the windows and doors in Oklahoma. We did that in Kansas. Now we do flooring as part of the distribution. We've done stoves. I mean, you name it, if you're going to buy it, buy it from yourself, or some way that you get paid extra. And then, like I told you before we went on the show, I would have the property management company. So we would start that, which was then came along with the cleaning companies. Gotta have the cleaning companies, the cleaning crews, the hauling crews. You're gonna pay one 900 got junk, buy your own truck, lease your own truck, haul your own stuff, and then rent it out lease it to others. So when we say cash flow fast in real estate, I went all in. So I own 51% of every property management company, and I put a ad in the paper for an electrician or a plumber, because they were mine most of two expensive things. And so they became partners. And I just made a lot of stuff, quite frankly, but I made it up with a lot of mentoring and guidance, of which those guys are still great, great friends of mine. We still own a little bit of property together. We went to Mexico and did a whole run through Mexico. The team was the most vital part. And what I say to folks in real estate, if you want to go big is you better get a database. I just find key that so many people in real estate don't understand. The Association of having a database, and the way I describe it is, today I might not want to buy, but if you don't have my name, phone number and email, and you don't continue to market to me the day, I am ready to buy or sell, you're no longer on my radar because you're not keeping in touch with me. Your job is an agent, a broker, an investor, I mean, is to build this database of people who then will go along with you on a journey. And I can tell you, it was a very blessed to have done it that way, but that 18,000 is what helped me become a millionaire. Because I had the people. I didn't know what to do with them. I didn't know how to raise my I didn't know anything about a PPM. I knew nothing, but I learned it all, and I was under a very, very successful. You know, decades and decades of success team. So, you know, they were 20,30, years my senior, but boy, I learned. I really leaned into it. And I think people do buy into programs and mentoring communities, but they don't do the work. And I see it all the time, I don't know how many people, and I'm holding up my millionaire maker book, and then this latest one, which is how I made my kids millionaires on paper at 10, again, by using trust real estate. Put them in my real estate company, shareholders,   Keith Weinhold  26:05   make your kids millionaires. Is the title of the book you just held on that second one.   Loral Langemeier  26:10   That one's a 2022, that was my latest best seller, and how I did it with my kids. And again, this back to The Parenting. So I can go a lot of ways, Keith, but I think the do it fast is go wider. I think so many people just go into buying just the asset, and they don't like I'm in the cannabis space right now in Nevada, legal. I'm an illegal cannabis I have licenses and very similar, if you're going to go in and you say seed to sale, you own everything like so I mean, the guy who's running my farm, he owns the label makers. He owns the, I mean, if you name it, he owns the nutrient company, because you need nutrients for the plant you're going to own. You're going to own. So the more you own of what you do and you have to pay, the more you keep your cash flow. And again, I see that mistake with real estate people subbing all the work to so many people. It's like there's so much cash that just went out that could be at least a percent of that could have stayed home with you. Sure   Keith Weinhold  26:59   100% there's an awful lot there. You're a big believer in vertical integration, in bringing in all these levels and stages of construction and management and so on, and bringing them in house. And yeah, it's interesting. You talk about the importance of the team. Here, we talk about how your team, whether that's your property manager, your mortgage loan officer, your 1031 exchange agent, how your team is actually even more important than the property itself. And yeah, when it comes to having a database these names Laurel, it's amazing, in a way, reassuring, in a high tech world with AI, that it still comes down to that primordial human connection of people and who you know you're the listener. As you've listened to Laurel, you could probably tell that she was a star student, which is why she's now a star teacher and mentor so much more when we come back with Laurel Langemeier, this is Get Rich Education. I'm your host. Keith Weinhold.   you know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com.   Hal Elrod  29:43   This is Hal Elrod author of The Miracle Morning and listen to get it rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  30:01   Welcome back to get rich education. We have a well known name in the finance space. For decades, Laurel Langemeier with us. She has done an awful lot of real estate investing in her career, and as you can tell, she's got her own recipe, her own formula. She does things differently, she integrates. She brings things in house. Has multiple companies, and Laurel knows that you can be a profiteer when you serve the customer or the tenant, really, to the maximum amount. A lot of people have a gap there, and there's an opportunity cost. And Laurel, I know that one way you serve people is with Airbnbs in the Ozark region of Arkansas. Tell us about what you're doing there. That's really interesting.   Loral Langemeier  30:41   So we bought pretty big houses, and a few of them we actually the one we were remodeling it, and that's when we really got to know the Ozarks. And there's a lot of tentacles. And so to get, like, from the properties we were buying to where you would rent a boat or a jet ski or get your watercraft, it was all the way around the lake. I mean, that's two lane roads, and it just took forever. And I thought, well, let's so we have another LLC that we bought some boats and jet skis. And again, when you get to know what do people really go to the Ozarks part that we call it the Redneck Riviera. They go to party. They go to party more than they need some bougie house to stay in. That's not what they really come they want to stay on the docks. So instead of putting a lot of money, we said, how can we force Do we have one property has 22 beds, so 22 people can sleep, but they just barely sleep there because they party. So we put more money in rehabs, into the dock, expanding the dock, big sound systems, a big bar, refrigerators, just made it super fun. And then when the tenants come, they don't just rent for the night. We also give them. We'll get your groceries and booze. We'll stock your bar down on the dock if you want. We'll pull up our boats and jet skis. So we had our own small fleet. Again, we just stacked on more service. So when the tenants arrived, a we got, you know, anywhere between depending on the boats and the jet skis and the tubes and all the ropes and everything they wanted, water skis. I mean, whatever they wanted to rent. Basically, we became like a rental company, and everybody freaked out, and they said, Oh my gosh, you're going to get killed in insurance. You're not. I mean, yeah, it's a lot more planning, and it's more work to get all that prepared. But that was anywhere between 500 to 1000 more a night in just the Airbnb. So again, why? If you're going to do one thing, do more for them, the more you serve a client, I don't care what area it is, yeah, the more you serve people, the more money you will make, because they're going to buy it, they're going to have to go get their booze on their own. They're going to have to go get groceries like that's a whole day of getting all that gear to their property versus, let us just save you a day on your holiday and let us do it all for you. There's so many creative ways that you could just serve people, and if you don't know what to do, ask them, What a novel concept. I do surveys all the time, like always doing polling and surveys. Hey, I'm a money expert. What do you want me to talk about? That's what right now, if you really look at a lot of my YouTube and a lot of my social media, people want reduced taxes. So like, I'm doing a heavy, heavy lift, because it was a survey that told me to do it, not just because Laurel decided to do it. And I think so many of you don't realize your audience will tell you what they want and how they want to be served. If you're listening, that's how you make money. And so many people as you know too Keith, that come as the entrepreneur saying, This is what I'm going to teach you. Well, nobody asked, nobody asked for that content. You wonder why it's not working. Is because you're pushing your agenda versus pulling and giving and serving their agenda?   Keith Weinhold  33:23   Well, that is a great point. How do you know what people want? Two words ask them, which is exactly what you're doing there and the way that you're adding value and amenities onto a property there, like with what you're doing with Airbnbs in the Ozarks. It actually brings up a thought for another Jim Rohn quote. Jim Rohn said money is usually attracted, not pursued. Tenants are attracted to your rental units, new luxurious floors, and you'll soon profit when they compete over it.   Loral Langemeier  33:52   Yeah, it's a lot of this stuff. It's not difficult. It's just different. And I use that saying all the time because people are like, Oh my gosh, it's so scary. He said, It's not scary. The only reason why people put fear and risk and that kind of negative energy and words, you know, language around, I think real estate or money or any of that, is the lack of knowledge. Because if they don't know, anything that you don't know is scary, like you and I talked before the show about aliaska. I mean, if you don't know how to ski and you try to go to aliaska, good luck. You would be scared out of your mind. But once you learn, it's exhilarating. And I find out with everything. So anything you approach and just notice the hesitation, is it because you need to learn it then lean in and find the best in class to teach you and like, shortcut your learning curve. You don't have to study for years and years and years and years. Becoming an entrepreneur is a decision right now, today, in two minutes, make a decision, and then get to work on what your offers are. You say, Well, what am I going to offer? People ask them, and they'll tell you what they're going to buy from you, because they're buying stuff all day long in this economy, they are buying and going to continue to buy.   Keith Weinhold  34:56   If you yourself have a question for Laurel, you can always ask. Ask it at Ask loral.com L, O, R, A, L and Laurel, what are some of the more outstanding questions that you get over there, and how do you help them with some of the most important ones?   Loral Langemeier  35:12   I'd say the number the biggest flood of content and questions right now is, how do we reduce taxes? I made up this term called the tax trifecta, because what affects your tax return is how you make your money. If you're just an employee, meaning a w2 like in America, that's what it's called. And Kiyosaki said it best in Rich Dad Poor about there's two tax systems. You're an employee, you're going to get tax pieces. You live on what's left. You're an entrepreneur, and you make money inside of a company. You activate 81,000 pages of tax code, and then you pay tax. So you decide how, where you want to pay tax. I call this living corporate life. So when how you make your money inside, what kind of a company? Right? And then activate the 81,000 pages of code for the deductions. Like I teach my people, they'll never go on a vacation. They're gonna have a business trip. And when you're in real estate, you can go anywhere in the world legally on a business trip, as long as you do what's required to actually make it a business trip by looking at real estate, and it's not that difficult. I mean, the reason I'm in a lot of different businesses is my kids have never been on a vacation. I don't take vacations because they're not deductible. I take business trips. So I teach families how to employ their kids. How to do all of that, like, how do you activate your kids? I mean, when my son was born in 1999 he was employed day one. He had Roth IRA By the second day of his life, and he was funded every day. And he's 25 now, just that one move made him a millionaire, just the one move of maximizing your Roth IRA strategically using it to invest in real estate. So I use a lot of participating notes. I did all sorts of different plays to grow their Roths tax free, tax deferred. So I'm super active about the whole family being in a real estate business. I think real estate is it's the first one I went after, and it's still the first one I tell lots of families. I mean, it's got to be in your portfolio. I still own a lot of commercial real estate, some residential, I said, in the Ozarks, but most of mine went commercial within the last especially COVID, I went all commercial for the most part, besides a few pieces of residential. Back to what do I that tax trifecta, how you make money, how you activate the tax code. And then the biggest one that nobody in financial planners will not tell you about it, your tax, your CPA, won't tell you about it. TurboTax is never going to tell you about it. It's how you invest in alternatives. So real estate, obviously, is a big one. Gas and oil is a massive one. Aviation, water rights, mineral rights, conservation easements, carbon credits, those are the ones that affect your tax, because you get the depreciation schedules. So it's how you make it, how you use deductions and how you invest collectively makes up your tax. And so those are the kind of questions key some category of that, like I told you before the show, I have a new guy that just joined by over $20 million of real estate and only a few LLCs, no S corp, no C Corp, no trust. I'm like, and then you have these ridiculous insurance agents who say insurance will cover it all. You don't need to have an LLC or an S corp RC. You do? You do too. I would never live on just insurance that is such as 1960s conversation, like you guys got to grow up?   Keith Weinhold  38:17   Yeah? Well, you know, totally. And you mentioned Rich Dad, and it's really the Cash Flow Quadrant. And one thing that the Cash Flow Quadrant helps delineate is you touched on it your tax treatment. Tom wheelwright is the most frequent guest that we have ever had here on the show, being the tax guy coming from the rich dad school. And Tom wheelwright was really the first one to inform us that something like 98 to 99% of the tax code is actually a road map for where the deductions are. Only one or 2% of maybe are the tax tables and what you must pay almost all the rest of it, is this roadmap to give you a guaranteed ROI if you follow it, something that you don't usually get in investing. And you brought up a few interesting tax strategies there. I think one of them is how you employ your kids and get deductions that way, while your kids learn. Tell us more about that.   Loral Langemeier  39:11   I mean, when Logan was two, I put him out. He was painting buildings. He was around all sorts of, you know, title companies and closing tables. And then my daughter's same thing. So I take them with me. There's again, part of parenting is they have to be involved in your life. And I think so many parents just leave their kids home. They leave them with the device or their phone or some iPad. None of us have it like if they're gonna sit at a time, you know, a closing table, then I want them if they may not know everything at that moment, but that experience in that environment of just being a natural environment for them to know, to do business deals. It changes them. Changes your kids drastically. And then fast forward, when my kids are 18, they get an LLC for their birthday, and they're added on shareholders in a bigger way, because then I use again the roadmap. Because, you know, well, I always. Laugh, I say, but people read fiction novels and junk whatever. I'm reading the tax code. I think the tax code is the most creative, freeing body of work that has ever been done. It's fascinating. It's so creative. My son's becoming a CPA because of it. So when my son went to school, he was on a football scholarship. He played for Georgia, Southern starting center five years because I'm a single mom and I only make $42,000 I don't even own a phone. I don't own a car. I don't own a home, actually, because it's held in LLC It's an estate property   Keith Weinhold  40:32   I put or on paper or on papers.    Loral Langemeier  40:34   No companies own it all and trust on it all. So I own nothing like I literally live Rockefeller style, and I teach people that this really was beyond the millionaire maker stuff. But my point with the kids is then when he goes to school. So instead of going every Friday to watch him play football, on a Saturday, I went on a business trip to see my son, and he and I actually are looking again. That's in states pro Georgia, where Georgia's other is buying some apartments that we can then back into, and then then we go to the athletic department, and we know how much they will guarantee rent paying scholarship men to live in our apartment, like there are so many cool ways, and that that's how my son will get involved. So during all of my trips to watch him, Yes, I took one hour to watch him play football. Otherwise, I went to see my business partner. So my point is, and when he came home, he had to come home, not to just come home, but he came home to see his business partner happened to be his mom. So there's a way to put your kids into these businesses early and put them through school, have school that can't be written off. And even though he's done a scholarship, all that travel was still not a deduction, unless we structured it as a deduction to the real estate company. There's so many strategies that I honestly, Keith, I made a lot of these up. And I went to, you know, my top tax team, and I said, why can't we do this? I said, I want this to be done. Tell me the legal way to do it, and then they would guide me. So then I just turn around and I teach other people that when you do your own taxes, number one, you're not educated enough to do your own taxes, so why people do Turbo Tax or even H R Block? I mean, that's where kindergarteners play. And if you want to be a millionaire, you have to get experts around the table that really know what they're doing. I mean, a proper tax strategist at the level we have, and I have, like, 28 people on my financial teams that integrate. I mean, they have masters of accounting. So they've gone to school five and six years. They've sat for four exams and had 2000 hours of audit. So whenever, like an engineer or somebody, even a real estate investors, try and do their own taxes, I'm like, it's a highly, highly skilled expertise. So anyway, I could go into the team approach. I don't think Keith, I know so many people are so close to getting it really all right, but their sequence is completely out of order, and they're just at call tax and invisible paying. You're just used to it. You're just used to paying it because you think you have to. And you've been scared by the media that it's this big, scary thing, and the IRS is going to come get you. It's like, no, they're not. This is legal to do all this stuff. You just have to do it right and document it right   Keith Weinhold  42:57   right. And that's part of your team, your tax team, and that's another good ROI. If you pay a tax preparer and strategist 5k which is more than most people, maybe they're making you 10x that or more with their knowledge of the tax code. And for you, the listener that might find the tax code to be dry reading, you know, for a lot of people, you're probably right that it is dry reading. But if you think of it this way, if I act on what I read, then I am getting paid for what I'm reading here in the IRS tax code. Well, Laurel, do you have any just last thoughts, overall, whether that's about wealth, mindset or real estate or anything else, as we're winding down here   Loral Langemeier  43:35   any question ever you just go to ask Laurel, A, S, K, L, O, R, E, L, ask questions. Make a request you can ask about I have online events. You can ask for free tickets. You can ask her ebooks. So ask her whatever you want. We're super generous on giving gifts away to especially our new listeners and new folks. But a lot of it's, I'm going to say it's active engagement. That's a term I've used as I walked into 25 and I look at the people I've made over 10,000 millionaires, probably 12, 14,000 by now. But the difference between those who make it and those who still struggle is active engagement. I'm showing this on your screen just to have it on video, but I got this magic wand because people say I have a magic wand. I said, I do. I naturally now officially have one, and it comes with pixie dust. But it doesn't really matter. It won't work. I can't just, you know, anoint you with my little wand, and all of a sudden it's magically going to change. You have to actively, like you said, study the IRS code, study my books like my millionaire maker is a blueprint for how to be a millionaire. So there's seven families in the book. Pick which one you're closest to and what you've done to yourself, and then start the pattern, and there's a pattern and a sequence for everybody, for seven different kinds of family, and what you've done to yourself. And I also live the last kind of words I would say to people is that I've been doing this way too long. I have no judgment, no criticism about what you did to yourself. A lot of people are ashamed or embarrassed, like I can't believe I'm this old and I should be farther along. So what now? What is my. Saying, so what happened or how you got here? What do you want to do about it now? So we start with a new, fresh line and stand and let's go and you can create anything you want with the right team around you and the right initiative. So just know you'll be actively engaged in this. This isn't me, doing it for you or to you. It's with you, and you have to own it. You have to own your own wealth. Nobody else cares about it more than you.   Keith Weinhold  45:23   these strategies work as long as you do. Laurel, it's been a great mindspring of ideas for the listener here. Thanks so much for coming onto the show.   Loral Langemeier  45:32   Thank you. Appreciate it. Look forward to hearing from many of you and helping you out.   Keith Weinhold  45:35   Oh, yeah, a wide range of expertise from Laurel Langemeier there. And you know, we're talking about the awareness of the gap between who you are and who you want to be earlier. Really, there could be a gap between how you're utilizing your rental property currently and what it could be Laurel found more ways, for example, to serve her short term rental tenants in the Arkansas Ozarks with providing boats and jet skis dockside to her tenants. In fact, there's a book all about this called the gap and the gain. It was published about five years ago, and let me tell you what it's about and maybe save you 10s of hours of reading most people, especially highly ambitious people, are unhappy because of how they measure their progress. We all have an ideal. You have an ideal. I have an ideal. It's a moving target that is always just out of reach. Well, when you measure yourself against that ideal, you're in the gap. However, when you measure yourself against your previous self, you're in the gain measuring your current self versus your former self, that can have enormous psychological benefits. That's how you can feel like you're making progress, and that gives you confidence, and you make more progress. You might have only owned two rental properties last year, and you're going to have four this year. So you want to make that comparison, don't make the comparison that Ken McElroy has 10,000 units and you never will big thanks to the driven and experienced Laurel Langemeier, today, I feel like she has a narrow gap between who she is and who she could be.    There is a lot happening here at GRE in our newsletter called The Don't quit your Daydream letter. I recently let you know about what chat gpts ai updates mean for real estate investors, and I showed you that before and after photo of how you can now tell AI to just renovate your rental unit, and within just a minute, it shows a pre and post renovation, it shows what the renovation would look like. AI is also being used for fraud, like to generate fake receipts or insurance fraud that makes a property look damaged when it really isn't. And every few weeks, I like to send you a good real estate map, like the recent one that I sent you, showing the cost of living by county and how that map was almost like a cheat code on how you can find the best real estate.    Also here at GRE our free coaching is helping connect you with properties. Many of you are interested in BRRRR strategy properties lately, I recently reshot the entire real estate pays five ways course, and I updated it for today's times with today's numbers. I'm giving that away for free, those videos and even giving a free gift at the end of the course, I share those resources with you in the Don't quit your Daydream letter as well.    And then, of course, I sent you details on the Great Investor Summit at sea cruise starting in Miami, sailing the Caribbean June 20 to 29th and how you can have dinner with me and the other faculty, like Robert Kiyosaki, Robert Helms, Peter Schiff, Ken McElroy and more. And this particular cruise event is not cheap to attend, although I don't make any money from the event, but our Don't Quit Your Daydream letter is totally free. I would love to have you as a reader, and you'll stay informed on all these Real Estate Investing Insights and trends and events and more, otherwise, you're really missing out. See, the reason that I write the letter is that I have visual things to show you that I cannot do on an audio medium here, like this, like those real estate maps. And before and after photos. I write the letter myself. You know so many other letters are now AI generated. I write this myself. It is all from me to you. And if you aren't already a reader, you can get the Don't quit your Daydream. Letter free right now, just text text GRE to 66866, and by the way, we don't text you the letter each week. That would be intrusive. The letter is emailed. It's just a convenient way for you to opt in. You can do that while it's on your mind again. Text GRE to 66866, and I'll turn it alternative way to get the letter is to visit get rich education.com/letter that's get rich education.com/letter. I've got a lot more for you next week. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  51:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:25   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com    

PUBLIC VERSION. Adam Roberts (Screenland Armour Theater, PANIC FEST) joins Joe to discuss the ins and outs of running a movie theater and programming one of the best genre film festivals in the world. From his transition from H&R Block to programming blockbusters at his very own theater in Kansa City… to how he picks which films to program at his theater and the origins of PANIC FEST… to the business side of running a cinema in 2025… to the art of a quality grilled cheese sandwich (available at the Screenland Armour) and what's in store for this year's Panic Fest, Adam pulls back the theater curtain on one of our culture's most celebrated pastimes… the theatrical experience!

On The Speed of Culture Podcast, Jill Cress, Chief Marketing & Experience Officer at H&R Block, breaks down how AI, digital transformation, and consumer insights are reshaping the tax industry. From helping Gen Z navigate their first tax filings to leveraging AI-powered tools for real-time tax support, Jill shares how H&R Block is making tax season easier, smarter, and more accessible for all.Follow Suzy on Twitter: @AskSuzyBizFollow Jill Cress on LinkedInSubscribe to The Speed of Culture on your favorite podcast platform.And if you have a question or suggestions for the show, send us an email at suzy@suzy.com Hosted on Acast. See acast.com/privacy for more information.

Francesco (Fran, if you're buds) on his ascension from lowly intern at Ogilvy to the CCO throne. Plus, the Dove campaigns he's worked on for the last 2 decades. ABOUT OUR GUEST:Francesco is an internationally-recognized, Emmy nominated, Chief Creative Officer of Ogilvy Canada where he leads the Toronto and Montreal office. He is Ogilvy's highest ranked CCO in the world.Prior to his current role, he has worked his way across the globe from Chicago, Toronto, Amsterdam, London, and back to Toronto.He has led some of the most iconic brands in the world, such as Netflix, Guinness, Uber, Samsung and Dove, where his back-to-back “Toxic Influence” and “Cost of Beauty” campaigns both became the most shared and most awarded in the brand's history. This catapulted Dove to 2nd at the Cannes Lions Brand of the Year rankings, and Unilever as coveted Creative Marketer of the Year.He has led Ogilvy Canada to their most awarded year in the agency's 64-year history, doing the best work on their biggest brands.He has helped spur a 75% conversion rate on new business, winning the H&R Block, Go Train, Up Express, Clif Bar, Mitsubishi, Young Drivers and Samsung Global accounts.He believes being an “outsider” is a creative's greatest superpower, which is why he loves to fill his creative department with talent from all over the world. This diversity of backgrounds, cultures, and thinking leads to more unexpected ideas.Francesco has won over 350 awards, including back-to-back Cannes Gold Lions, a D&AD Collaborative Black Pencil, and multiple Grand Prix and Gold at every major show, including The One Show, Clios, LIA's, Eurobest, Effies, Andy's, Communication Arts and ADCC's.  ADCC Created is brought to you by The Advertising & Design Club of Canada, hosted by Lyranda Martin Evans (Fellow Human), with music and studio care of Grayson Music. Follow us on Instagram @theadccEmail us at created@theadcc.ca

Data vs. gut instinct. What really drives the best product decisions?Nate Juraschek, Head of Product at Telarus, has spent 20+ years navigating the highs and lows of product leadership—from Sprint and H&R Block to fast-moving startups. Along the way, he's learned one truth: data is only as good as the story you tell with it.Topics covered in this episode include: * How to use data as a guide when following gut instincts * Why curiosity is the secret weapon of great product leaders* The most powerful (and underrated) analytics tools to start using today* How a background in filmmaking prepared Nate for the world of building digital products* How AI is changing the way we track, analyze, and act on product dataWhether you're in product, UX, or tech leadership, this conversation is rich in insights to help you make more confident decisions.Watch the full episode on YouTube This episode is brought to you by Crema - Get the most out of your existing product teams. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.peopleofproduct.us

Have you ever felt like no matter what you do, you'll never break free from your current financial situation? Do you catch yourself thinking, “This is just how my life is meant to be”? If so, you're not alone. Many people are born into circumstances that shape their beliefs about money, success, and their own potential. But what if those beliefs are holding you back? The truth is, your mindset around money could be the very thing keeping you stuck. Thinking you're destined to fail because of where you started in life is a broken mindset. And yet, so many people live their entire lives believing they are trapped, unable to break the cycle. The problem isn't where you come from—it's how you think about money. If you don't understand your views on money or address the deep-rooted psychology behind them, you'll continue to repeat the same patterns. What could be accomplished if people broke free from limiting beliefs about money? What's stopping us from taking the first step toward change? Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance and he joins me for this episode to share on financial psychology and how to change the money mindset so many people are conditioned to.   Things You'll Learn In This Episode  How to deal with roadblocks  Overcoming roadblocks is essential to achieving wealth—persistence is key. How can we stay motivated when facing obstacles on our path to financial success? Rich vs. poor mindset Surrounding ourselves with those who have a poor mindset can hinder our financial growth and future. How does the mindset of those around us influence our financial success? If others can achieve it, so can we Seeing others succeed proves that achieving our goals is possible for us too. What steps can we take today to follow in the footsteps of those who inspire us? Guest Bio Bradley T. Klontz, Psy.D., CFP® is an expert in financial psychology, financial planning, and applied behavioral finance.  He's an Associate Professor of Practice at Creighton University Heider College of Business, Co-Founder of the Financial Psychology Institute, and Managing Principal of YYMW Advisors. Dr. Brad is co-author/co-editor of 8 books on the psychology of money: Psychology of Financial Planning (Wiley, 2023), The Practitioner's Toolkit (Wiley, 2023), Money Mammoth (Wiley, 2020) Facilitating Financial Health (NUCO, 2008; 2016), Financial Therapy (Springer, 2015), Mind Over Money (Broadway Business, 2009), Wired for Wealth (HCI, 2008), and The Financial Wisdom of Ebenezer Scrooge (HCI, 2005; 2008). He is a Fellow of the American Psychological Association, and a Former President of the Hawaii Psychological Association. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues and his innovative practice in financial psychology for practitioners across the country. Dr. Brad has been a columnist for the Journal of Financial Planning, On Wall Street, and Psychology Today: Health, Help, Happiness + Find a Therapist . His work has been featured on ABC News' 20/20, Good Morning America, and in USA Today, The Wall Street Journal, New York Times, Washington Post, Los Angeles Times, Time, Kiplinger's, Money Magazine, NPR and many other media outlets and professional magazines and journals. He was appointed to the CNBC Financial Advisor Council in 2023 and received the 2018 and 2021 Montgomery-Warschauer Awards from the Journal of Financial Planning, honoring the most outstanding contribution to the betterment of the financial planning profession. He has partnered with organizations including Capital One, JP Morgan Chase, Mutual of Omaha, and H&R Block in efforts to help raise public awareness around issues related to financial health and financial psychology. Visit https://www.bradklontz.com/  Email Brad brad@klontzconsulting.com     About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

"Whatever the context is, whatever the setting that we're operating in - ultimately, as leaders, we are in the business of building relationships." In this episode, WomenHeard: Changemakers host Georgia Galanoudis speaks with Jill Cress, Chief Marketing & Experience Officer at H&R Block - a leader in tax preparation services. A 2024 Matrix Awards honoree, Jill's extensive brand experience also includes PayPal, National Geographic and MasterCard.  She has been recognized for numerous accolades, including Adweek's inaugural Marketing Vanguard list, Forbes' list of the World's 50 Most Influential CMOs, Forbes' inaugural CMO Next List, and Business Insider's 25 Most Innovative CMOs. At H&R Block, she leads a diverse team of customer experience, marketing, and communications professionals. Listen to this episode for the importance of curiosity about context and how her theater roots supported her career journey. 

Nancy Harhut, Co-Founder and Chief Creative Officer at HBT Marketing, a marketing expert known for her work in behavioral science and its application to marketing strategies, an award-winning author, and a sought-after speaker at marketing conferences worldwide joins me on this episode. Nancy has been named a Top 100 Creative Influencer, a Social Top 50 Email Marketing Leader, a Top 40 Digital Strategist, and one of the 10 Most Fascinating People in B2B Marketing. Her list of clients includes H&R Block, AARP, Sharp, Four Seasons, and many others. We explore behavioral science in marketing, how we really make decisions, triggers that increase the likelihood that someone will do what you want, and more. Get connected with Nancy: Website: https://www.hbtmktg.com/ Twitter: https://x.com/nharhut LinkedIn: https://www.linkedin.com/in/nancyharhut/ Facebook: https://www.facebook.com/nancy.harhut Instagram: https://www.instagram.com/nancyharhut/ Purchase a copy of Using Behavioral Science in Marketing: https://www.amazon.com/Using-Behavioral-Science-Marketing-Instinctive/dp/1398606480 Leave a 5-star review with a comment on Apple Podcasts: https://podcasts.apple.com/us/podcast/business-minds-coffee-chat/id1539014324  Subscribe to my Business Builder Newsletter: https://bit.ly/32y0YxJ  Want to learn how you can work with me to gain more clarity, build a rock-solid foundation for your business, and achieve the results and success you deserve? Visit http://jayscherrbusinessconsulting.com/ and schedule a 1:1 discovery coaching call. Enjoy, thanks for listening, and please share with a friend! To your success, Jay

Where are all the smokers these days? DOGE - making promises. We are all turkeys - just gullible for every comment and promise. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter DONATIONS ? OHHH - the new shirt design is coming along... Twitter - How you like the AI generated cover art? (May need to come to DHUnplugged to see all) Warm-Up - Where are all the smokers these days? - DOGE - making promises - High level indictment - We are all turkeys - just gullible for every comment and promise Markets -#endthefed making the rounds - Treasury Secretary? - Target earnings surprise - Black Friday - will that boost retail? - New Phrase - Mullet Market Thanksgiving - What is going to be on the Dvorak table? ANNOUNCING the CTP Winner for Carvana Mullet Market - No, the fish... - Steady benchmarks in the front, crypto party in the back Netflix Again - Netflix notches 70 million monthly active users on ad-supported plan - 250 million subs and 70 million on ad plan - Didn't we used to call this TV? Made a full circle except that ad-based also has a monthly fee - Over 50% of the new sign ups are ads based plans Smokers - Retail cigarette sales in China have been growing for the past 4 years, reaching 2.44 trillion sticks in 2023, data from Euromonitor showed. The research group forecasts that sales will continue to increase annually, hitting 2.48 trillion by 2028. - Euromonitor added that growth has coincided with the increasing popularity of "slim" cigarettes, often advertised as "low-tar," and various types of flavored cigarettes. - Between 2019 and 2023, annual worldwide sales of cigarette sticks fell by about 2.7% to 5.18 trillion, according to Euromonitor data. At more than 300 million, China has the most cigarette smokers in the world, making up nearly a third of the world's total smokers, according to the World Health Organization. Topic of Discussion - #endthefed - Do you think that Musk and Trump and the new gang will try to end the Fed? - Elon endorsed the idea of the President being able to intervene on monetary policy. - Seems like that will undermine the independence and then the confidence in the Fed -- Going to be some fireworks with Powell saying he will not resign and cannot be fired DOGE - Dept of Government Efficiency - Still a hardy har name - like saying Penis when in 3rd grade - Incoming Department of Government Efficiency wants to create new mobile application for Americans to file taxes for free with IRS, according to Washington Post (Intuit and HR Block down on this...) - Explain how a government agency that does not exist is making these kinds of statements. --- Thought: Make these statements and either buy or short stocks? (Again we are all turkeys - hopefully not going to be led to slaughter) Higher rates - Rates are running higher after the election - actually up to the election ran up from 3.6% to 4.6% and nor in the range - DoubleLine Capital CEO Jeffrey Gundlach said Thursday interest rates could shoot higher as the Republicans ended up controlling the House, securing a governing trifecta that gives President-elect Donald Trump free rein to spend as he pleases. - Pre-election: "If the House goes to Republicans, there's going to be a lot of debt, there's going to be higher interest rates at the long end, and it'll be interesting to see how the Fed reacts to that," Gundlach said - If the Trump administration extends the 2017 tax cuts or introduces new reductions, it could add significant amount to the nation's debt in the next few years, worsening the already troublesome fiscal picture. Yeah Right.... - Vocal critic of Putin, Vladimir Shklyarov, 39,

Key Moments:The road to entrepreneurship (1:00) Bringing transparency to the prescription drugs industry (4:30) Analyzing in-game sports data to shoot for new heights (20:00) Changing the world by making data and AI accessible to everyone (25:00) How LLMs can build curiosity for the next generation of tech talent (33:00)Key Quotes:“As with all things technology, everybody has access to the information, but few people take the time. But those who do tend to have an edge. If you're curious, if you love to learn, you're going to do pretty well. But how do you find those people when they're kids and how do you try to just capture their imagination and get them excited about the technology? That's why we started the bootcamp.”“I wanted to make technology accessible to people who otherwise couldn't get it. It doesn't matter what you look like, who you are, what your ethnicity is, what your background is. There are just going to be people who don't have access. I wanted to open that door for them. I'm a big believer in diversity, and that when you look at places where other people aren't, that's when you find brilliance that can change the world.”“The path to least resistance to learning AI is simple. All you've got to do is use it. You can use it in ways that you can't possibly imagine. You can learn how to use large language models to start your own programming and teach yourself how to do it. The sky's the limit. Better way to put it, there is literally next to nothing you can't teach yourself using a large language model. You can even train and educate the model. It's a virtuous cycle. It can surge curiosity with kids.”Mentions:Cost Plus DrugsThe Master Algorithm: How the Quest for the Ultimate Learning Machine will Remake our World Mathletics: How Gamblers, Managers, and Sports Enthusiasts Use Mathematics in Baseball, Basketball, and Football Mark Cuban AI BootcampsMark Cuban Bio: Mark Cuban has been a natural businessman since age 12, when he sold garbage bags door to door.  He went on to found MicroSolutions right out of college, selling it to H&R Block.From there he became an active stock trader, building a track record, starting a hedge fund and selling it a year later. In 1995, he and Todd Wagner started the first commercial streaming company, AudioNet, which became Broadcast.com. They later sold the company in 2000 for 5.7B dollars.Mark acquired the Dallas Mavericks in 2000.  The Mavs competed in their first NBA Finals in 2006, won their first League title in 2011.  Mark sold majority ownership in 2023, but still retains a significant stake. During his time as majority owner, the Mavs had the second best record in the NBA. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

In this episode, Steven is joined by Jacob DuBose, a financial advisor who has taken the time to do hands-on tax preparation. Jacob comes on the show to share his experience being a contractor with H&R Block and getting to see firsthand what tax preparation actually looks like. Steven and Jacob discuss the value of learning through hands-on work, including tax preparation, but also through tax planning and reviewing tax returns that financial advisors can do at any point throughout their career.  https://zurl.co/5nRG

Scott Wapner and the Investment committee debate whether stocks are heading towards new highs. Plus, the Committee reveals their latest portfolio moves. And later, H&R Block hitting record highs, it's our Chart of the Day. Shareholder Rob Sechan calls in with his strategy on the stock from here. Investment Committee Disclosures

In this episode of The Speed of Culture, Matt Britton welcomes Jill Cress, Chief Marketing and Experience Officer at H&R Block. Jill discusses H&R Block's strategic pivot towards digital and mobile experiences, the impact of AI on consumer financial interactions, and insights into career longevity in the rapidly evolving tech landscape.Follow Suzy on Twitter: @AskSuzyBizFollow Jill Cress on LinkedInSubscribe to The Speed of Culture on your favorite podcast platform.And if you have a question or suggestions for the show, send us an email at suzy@suzy.com Hosted on Acast. See acast.com/privacy for more information.

Women are the fastest growing segments of new small business owners, but they often lack access to funding and resources, a new grant program by H & R Block, known as the Fund Her Future Grant program is available. Deadline is May 26th. Learn more at blockadvisors.com

Ep. 178: Baseball and basketball shaped Jeff who leads 60,000 global tax professionals. While he doesn't do his own taxes, Jeff does “file” several practical tips in this episode including: The best way to begin team meetings by “checking in” and “checking out” How to frame questions that are “provocative” but also productive rather than aggressive or alienating.  How to rescue an unproductive meeting by figuratively getting everyone on your leadership “out on the balcony” to get some distance on what's going sideways. The important difference between the “failing fast” and “learning more” mindsets. Our BONUS RESOURCE for this episode includes fill-in-the-blank notes and reflection questions. Looking for a speaker for your next event? From more than 30 years of interviewing and studying the greatest winners of all time, Don offers these live and virtual presentations built to inspire your team towards personal and professional greatness.  Special thanks to T.J. Percell and Nicklas Urban for making this episode possible.

All links and images for this episode can be found on CISO Series. This week's episode is hosted by me, David Spark (@dspark), producer of CISO Series and Andy Ellis (@csoandy), operating partner, YL Ventures. Joining us is our guest, Joshua Brown, vp and global CISO, H&R Block. In this episode: Why is retaining cyber talent so hard? How can organizations keep an employee from going elsewhere? Why do organizations often not prioritize the factors to keep key employees? Thanks to our podcast sponsor, CyberMaxx CyberMaxx offers MaxxMDR, our next-generation managed detection and response (MDR) solution that helps customers assess, monitor, and manage their cyber risks. MaxxMDR fuels defensive capabilities with insights from offensive security, DFIR, and threat hunting, on top of a technology-agnostic deployment model. We think like an adversary but defend like a guardian.

How is AI going to fundamentally change the way companies conduct business? How should you be thinking about the evolution of your company's own business model? To help us answer these important questions, Courtney, David, and Mohan discuss the potential disruptions brought about by AI, which might ultimately change business models or entire industries. They also explore the distinction between a change in model and a change in strategy, using Google as an example. After that, Michelle Swan from Tercera joins Pete Buer to discuss how they are examining AI opportunities for both Tercera and the portfolio companies they invest in. All that PLUS the latest news in AI with Courtney and Pete. This week, they discuss H&R Block and TurboTax allowing customers to use AI for tax advice and the release of the third version of Claude.ai. Read our new whitepaper: Unlocking the Power of AI: A Guide to Assessing Readiness for Business Transformation Sign up for the Knownwell Client Intelligence beta waitlist at https://knownwell.com/client-intelligence/ AI Knowhow is brought to you by the team at Knownwell.

Ian and the host, Aidan McCullen, explore how companies past and present have navigated the transition from the 'first curve' - a state of established practices and security - to the 'second curve' of innovation and adaptation in the face of new technologies and markets. They discuss examples of organisations like HR Block, SGI (Silicon Graphics), and Volvo, and how they've managed to pivot or struggled with these shifts. Ian offers profound insights into the societal move towards a knowledge economy, the importance of venture capital in disruptive innovation, consumer empowerment, and the geographical shift in economic power towards the Asia-Pacific region. Furthermore, they discuss the importance of organisational culture in adapting to change, the challenges of measuring success on the second curve, and the personal and societal impacts of these transitions. The conversation concludes by emphasising the need for individuals and organisations to embrace uncertainty, leverage existing competencies, and prepare for a future that prioritises hyper-effectiveness and adaptive skills.    00:00 Introduction to the Second Curve 00:31 Understanding the Shift from First to Second Curve 00:56 The Impact of the Second Curve on Organizations 01:44 The Second Curve and the Post-Industrial Economy 02:10 The Role of Knowledge in the Second Curve 02:48 The Power of Disruptive Innovation 03:03 The Shift in Consumer Power 03:34 The Geographic Transformation of the Second Curve 04:36 The Importance of People in the Second Curve 05:31 The Second Curve Mindset 06:25 The Dilemma of the Second Curve 09:02 The Role of Technology in the Second Curve 15:06 The Impact of the Second Curve on Individuals 18:24 The Future of the Second Curve 48:19 Conclusion: Embracing the Second Curve   Find ian here: http://ianmorrison.com  

In this week's episode, Pierson Curtis, Director of Marketing Strategy at H&R Block joins Ajay and Vincent to discuss the marketing strategy, and how real-time customer feedback during tax season forces him to be nimble, of one of the largest tax preparers in the country.

Struggling to Scale Your Startup? Discover Billion-Dollar Secrets from John Hewitt Entrepreneurs and business enthusiasts often struggle with the challenge of scaling their startups. In this episode of Fordify LIVE! The Business Growth Show, host Ford Saeks sits down with the legendary John Hewitt to uncover the strategies that turned his visions into the powerhouse brands Jackson Hewitt and Liberty Tax. On this episode they discuss, Foundational Strategies: Insights from John's journey of founding and scaling major tax preparation franchises. Cultivating a Winning Culture: Essential elements for building a productive and loyal team. Business Innovative: John's perspective on embracing change and driving business growth. Real-time Engagement: Live interaction with John, providing answers to your burning questions. This episode stands out as a crucial resource for entrepreneurs seeking to grow their businesses. It's filled with practical advice and inspiring success stories, offering a comprehensive look into John Hewitt's journey and strategies. The insights provided are particularly valuable for those aiming to scale their ventures and achieve significant milestones in their business endeavors. Watch the full interview on YouTube here. Join us every Wednesday at 11AM Central on your favorite social platforms for Fordify LIVE! and catch The Business Growth Show Podcast every Thursday. Get first-hand insights from industry leaders and business experts to fuel your business journey. About John Hewitt: John Hewitt is a distinguished American entrepreneur, acclaimed for founding Jackson Hewitt and Liberty Tax, two of the top retail chains in North America. Born in Detroit and raised in Hamburg, New York, Hewitt's entrepreneurial journey began at H&R Block, leading to the creation of his innovative tax preparation companies. His ventures, characterized by groundbreaking software and customer-focused services, have earned him numerous accolades, including Ernst & Young Entrepreneur of the Year and International Franchise Association's Entrepreneur of the Year. Hewitt's commitment extends beyond business; he's actively involved in philanthropy, notably in the fight against world hunger. His book, "ICompete," and his place in several Business Halls of Fame, highlight his significant contributions to entrepreneurship and the tax industry. Find out more about him here: Loyalty Brands   About Ford Saeks: Ford Saeks, a dynamic Business Growth Innovator with over two decades of experience, stands at the forefront of corporate growth and innovation. He is the charismatic host of FORDIFY LIVE and THE Business Growth Podcast, where his extensive business acumen is showcased. Ford's approach to driving sales and customer engagement blends practical insights with the latest trends, including the impactful use of AI in business. His shows offer a platform for insightful discussions with industry leaders, sharing valuable knowledge and strategies for business success. Discover more at ProfitRichResults.com and Fordify.tv.

An IRS pilot program is testing an online tax filing system designed to compete with private-sector services like those offered by HR Block, TurboTax, and CPAs around the country. In this segment, Patrick Hedger from the Taxpayers' Protection Alliance explains why he hopes the "Direct File" program gets scrapped and, for now, why he thinks you should avoid using it.

Diana Kander revolutionizes the way businesses look at innovation and curiosity. A New York Times best-selling author, innovation consultant and keynote speaker, she asks some big questions. What kind of culture needs to exist in an organization to ensure innovative ideas and practices? How has Snoop Dogg continued to innovate decade after decade to stay relevant to the next generation? What causes name brands to lose relevance with their customers and go out of business? Can organizational decline be prevented?Diana has spent her career challenging assumptions and asking thought-provoking questions. A serial entrepreneur who entered the United States as a refugee at the age of 8, she has launched and sold millions of dollars worth of products and services. She outlined her biggest lessons learned for launching new products in her first book, All In Startup, which has been used by over 100 universities in their innovation courses and countless large organizations to help their employees think more like entrepreneurs. A former MBA professor at Mizzou, she has served as an entrepreneur in residence at H&R Block, Commerce Bank and several government agencies.SHOW SUMMARYIn this episode of Selling From The Heart, Larry Levine and Darrell Amy kick off 2024 with a big announcement - a new book is on the horizon! They're joined by the incredible Diana Kander, author of "Go Big or Go Home" and an expert in creating transformative sales experiences. Diana shares the essential elements of sales presentations that resonate, emphasizes the importance of emotional connections, and provides actionable strategies to stand out in a world of sameness.KEY TAKEAWAYSSales Experience as a Hero's Journey: Transform your sales process into a memorable story with impactful scenes that surprise and engage prospects, setting you apart.Magic Elements in Sales: Utilize the "MAGIC" formula - Make it surprising, Analyze on a deeper level, Give the pitch in the right order, Include three-dimensional objects, and Co-create together to make your presentation unforgettable.Tie-in with Stand-Up Comedy: Incorporate surprise elements from comedy into your sales interactions, making experiences more enjoyable and memorable.QUOTES"Selling from the heart means showing them just how much you care and being able to translate those feelings into actions.""Salespeople and sales leaders, you've got to create what I call Disneyland-esque experiences for your clients.""Your customers are having an experience, whether you're doing anything on purpose or not, and to think about their experience as a movie and make adjustments can make a huge difference in your closing rate."Learn more about Diana Kander: LinkedIn: https://www.linkedin.com/in/dianakander/Learn more about Darrell and Larry: Darrell's LinkedIn: https://www.linkedin.com/in/darrellamy/Larry's LinkedIn: https://www.linkedin.com/in/larrylevine1992/Website: https://www.sellingfromtheheart.net/Got a video about how you sell from the heart? Share it by texting VIDEO to 21000.Please visit https://www.sellingfromtheheart.net/ book to pre order your copy of the rerelease of the Selling from the Heart book. SUBSCRIBE to our YOUTUBE CHANNEL! https://www.youtube.com/@UCi6OCvGpgQjg8YXg0Hst4NAPlease visit WHY INSTITUTE:https://whyinstitute.com/Please go to WORK BETTER NOW:https://www.workbetternow.com/Click for your Daily Dose of Inspiration:https://www.sellingfromtheheart.net/dailyCheck out the 2023 Authentic Selling Challenge:https://authenticsellingchallenge.com/Get your Insiders Group FREE PASS here:https://www.sellingfromtheheart.net/free-pass

This is a troubled time in our world. But each person has some personal power, some ability to help, even in the smallest of ways. Sometimes that is all we can do, and it is more than enough.   How do we help impassioned young people to believe in themselves and take action to help the world?   Meet Michaella Gallina and Elise Strong, two inspiring women, one a previous winner of the Gloria Barron Prize for Young Heroes, and the other, a mother of a previous winner.   Michaella shares with us just how she started the Exceptional Rodeo for disabled children at the age of ten years old. Elise shares her journey of encouraging and empowering her son Josiah, founder of the non-profit Save the Nautilus.   Don't miss that pivotal moment when you are called to action.   And don't miss this inspiring conversation!   About Michaella Gallina:    Michaella Gallina is the Vice President of Investor Relations and ESG for H&R Block. Previously, she held many corporate finance roles including Chief of Staff, head of investor relations and corporate communications, and corporate development for several publicly traded companies. Before that, she worked as an investment analyst and in investment banking. Ms. Gallina graduated summa cum laude from the University of Denver with a bachelors and masters degree in finance and was a Boettcher Scholar and Coca-Cola Scholar.   Beginning at the age of 8, Michaella led the Exceptional Rodeo, a rodeo for physically and mentally disabled children in her hometown, which is carried on today at the National Western Stock Show. She was an inaugural Barron Prize winner in 2001.   Michaella is a national champion equestrian and resides in Denver, Colorado.   Learn about the Exceptional Rodeo.   About Elise Strong:   Elise is the mother of Lucas and Josiah Utsch ( Winner of 2012 Barron Prize). She lives in Bozeman MT with her husband Adrian & Golden Retriever Molly. Elise has worked as a sailor, teacher, and landscaper, and also helped run her mother's family business. She is an active supporter of numerous environmental and community service projects and serves on the boards of several local non-profit organizations. She spends her time caring for her family, working to protect the natural world and expanding support for underprivileged teens in Montana.   Learn more about how Save the Nautilus is making an impact.   Check out the Gloria Barron Prize for Young Heroes.   Magic & Mountains is hosted by T. A. Barron, beloved author of 32 books and counting. Carolyn Hunter is co-host.   Magic & Mountains Theme Song by Julian Peterson.

Lane Dockstader – is an incredible Warrior. His 30-year Warrior journey started with an MBA from the Minnesota School of business and then upon graduation he became a Financial Advisor mentored by the AG Edwards CEO. Following this he worked for 3 of the Big 10 Financial Firms, two different Medicare companies, and did taxes for H&R Block and a local Credit Union. Today, Lane is a LinkedIn Coach and Trainer, and now a BeeKonnected Certified Expert. His passion is supporting businesses to grow by their social media presence. He enjoys basketball and anything in the outdoors. As a drone pilot. a photographer, videographer, and recently AI Artist who loves creating short motivational videos. And when he's really having fun, he'll either stick out his tongue or show us his Stick Emojis..What is BeeKonnected? Why is it Better for Groups than FaceBook?How can You Monetize Your Following? Use this link to get the answers https://visionwarrior.beekonnected.com/affiliate/Connect with Lane on BeeKonnected with the link below https://backoffice.beekonnected.com/Visionwarrior

In this interview, Ericka sits down with her friend Mia Mends, who was named “one of the Most Powerful Women in Corporate America” by Black Enterprise. The two discuss how Mia leads with courage, integrity, and radical hope—and not just in the office and board rooms—but at home too. More about Mia:Mia Mends is the Chief Executive Officer of C&W Services—a division of Cushman & Wakefield. She currently oversees operations across the US and Canada and Puerto Rico, with nearly 13,000 people serving clients across a variety of industries.Prior to joining C&W Services, Mia spent a decade in senior leadership roles at Sodexo, where she designed an integrated target operating model for the $10 billion business while leading the productivity and performance of 160,000 employees.Mia currently serves on the board of directors for the EMERGE Fellows program and on the Business Leadership Council at Wellesley College. She is also a corporate director at H&R Block and Limeade Inc.Mia holds an MBA from Harvard Business School and a bachelor's degree in economics from Wellesley College. She has been named by Black Enterprise as one of the Most Powerful Women in Corporate America.Mia is fluent in Spanish and conversant in Portuguese. Links for Mia:https://www.linkedin.com/in/miamends/

Jason Mudd brings his PR expertise to this episode as he talks about PR's role in your marketing strategy. Jason starts by giving some background about himself and then dives into some common PR mistakes, topics, tips and trends. Jason explains the difference between PR and advertising and why PR is so effective compared to advertising. Jason also shares an example of how it is important to take a holistic approach to your marketing or PR strategy.   3:18 – Jason explains how he took the “traditional” path to PR by starting his career as a journalist.   12:34 – Jason shares some common PR mistakes, including most people not knowing what PR is.   19:16 – Jason talks about his podcast and public speaking.   20:27 – Jason reviews some PR topics, tips and trends he is passionate about.   29:58 – Jason explains the difference between PR and advertising.   36:38 – Jason continues by talking about why PR is more of a long game compared to advertising.  40:37 – Jason shares some resources that have been helpful to him.    Quote   “Every once in a while, I try to disrupt that process and say, 'Hey, let's stop doing something, or let's do less and try to accomplish more.' Doing less means we're more focused and we might be able to do more or get more value out of it. For a while, I disrupted our engine and I started removing pieces from the equation. We cut back on the number of episodes of podcasts we were producing, we cut back on our Google AdWord spend and things like that. We cut back on the amount of PR we were doing for ourselves and then we noticed our inbound leads are down. Right? What happened? Then we started slowly adding things back. What we've discovered is it doesn't seem to matter what we bring back, it needs everything. It needs a holistic approach to work its best.” – Jason Mudd, CEO and Managing Partner at Axia Public Relations    Links:   Safe Harbor Boys Home: https://safeharboracademy.com/   Heroic Public Speaking: https://heroicpublicspeaking.com/   Listen to learn more about AI in PR:  Episode 234: The Future of AI in Public Relations, With Parry Headrick and Chris Penn  Episode 239: The Latest on SEO, Content Marketing and AI, With Dale Bertrand, Founder and President of Fire&Spark  How our PR firm is using AI and how you can too with Jason Mudd, CEO of Axia Public Relations  “The Fall of Advertising and the Rise of PR” by Al and Laura Ries: https://www.amazon.com/Fall-Advertising-Rise-PR/dp/0060081996  “The 4-Hour Workweek” by Timothy Ferriss: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357   “The 4-Hour Body” by Timothy Ferriss: https://www.amazon.com/4-Hour-Body-Uncommon-Incredible-Superhuman/dp/0307704610   “Brandscaping” by Andrew M. Davis: https://www.amazon.com/Brandscaping-Unleashing-Partnerships-Andrew-Davis/dp/0983330786     About the guest:      The World Communication Forum named Jason Mudd as North America's top PR leader in 2023. He is a trusted adviser and dynamic strategist to some of America's most admired and fastest-growing companies, including American Airlines, Budweiser, Dave & Buster's, H&R Block, Hilton, HP, Miller Lite, New York Life, Pizza Hut, Southern Comfort and Verizon. He's the CEO and managing partner of Axia Public Relations. Forbes magazine named Axia Public Relations as one of America's best PR agencies. Jason is an accredited public relations practitioner, professional public speaker, author, podcaster and entrepreneur.    Looking to connect:  LinkedIn: https://www.linkedin.com/in/jasonmudd/   Twitter: @jasonmudd9  Website: www.axiapr.com   Podcast: OnTopOfPR.com 

Here comes the debt ceiling standoff. But if we sell out equities and buy treasuries, are we in greater danger? Company perks give me first class plane travel so it's ok if my spouse flies coach, right? The IRS might offer a free filing system.  Is that fair to TurboTax and H&R Block? If yes, what should you do about your state filings?

If you need more time to file your taxes there is a simple and free option. Let's talk about why you'd want to file a tax extension, when you should make a payment, and the things you need to know if you decide to ask for some more time to get your taxes in.   Today's bag of popcorn is brought to you by H&R Block!Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023!  https://PopcornFinance.com/HRBlock   Join Me on YouTube! https://www.youtube.com/c/PopcornFinance   Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259   Connect with me Instagram | Twitter | Facebook | YouTube | TikTok   Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

How has your budget strategy changed since inflation kicked in?  Allison Baggerly, the creator of Inspired Budget and my cohost on the This is Awkward podcast is joining me today! She's on the show to talk about how to budget amidst rising costs and how to avoid getting caught in comparison traps when it comes to our money. Allison also has a new book Money Made Easy: How to Budget, Pay Off Debt, and Save Money that is out now! Buy Allison's book here  Follow Allison Website | Instagram | Twitter | Podcast Today's bag of popcorn is brought to you by H&R Block!  Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock    Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

It feels like we get a million tax forms in the mail every year. In this special bonus H&R Block Tax Tip episode lets breakdown 3 of the most common 1099 forms that you should be on the look out for each year.   Today's bag of popcorn is brought to you by H&R Block!Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023!  https://PopcornFinance.com/HRBlock   Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

Have you ever quit your job in pursuit of your dreams? The idea is great in theory, but what if your dreams don't work out or you run out of money? Jill Schlesinger, a certified financial planner CFP® and the host of the Jill On Money podcast is back on the show to talk about how she did her own money reset and how she made the leap as a risk-averse person. Listen to find out more about her story and the stories highlighted in her new book, The Great Money Reset! Listen to Part 1! Follow Jill Website | Twitter | Instagram | Youtube | LinkedIn | Facebook   Grab a copy of The Great Money Resethttps://www.jillonmoney.com/the-great-money-reset   Today's bag of popcorn is brought to you by H&R Block!Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023!  https://PopcornFinance.com/HRBlock Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

How did the pandemic change your perspective on work, money, and life?  It's been 3 years since the start of the pandemic and my guest today, Jill Schlesinger, a certified financial planner CFP® and the host of the Jill On Money podcast, is sharing how the pandemic became a catalyst for people to change all aspects of their personal and financial lives. Jill shares real-life examples of these changes found in her new book, The Great Money Reset. I have been a fan of Jill's since college and I could not wait to get her on the show after all these years.  Look out for more upcoming episodes with Jill, since we discuss so much more that simply couldn't fit into just one episode.    Follow Jill Website | Twitter | Instagram | Youtube | LinkedIn | Facebook   Grab a copy of The Great Money Reset https://www.jillonmoney.com/the-great-money-reset    Today's bag of popcorn is brought to you by H&R Block! Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock  Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

It felt like Silicon Valley Bank Failed so quickly, what happened?   In this special bonus episode let's break down three big factors that led to the seemingly overnight forced closure of Silicon Valley Bank.   Today's bag of popcorn is brought to you by H&R Block! Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock  Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

Let's talk about Silicon Valley Bank and what happened over the weekend. The FDIC has stepped in and along with the Treasury Department and the Federal Reserve to try and stabilize a rough few days for the banking industry. In this episode I will lay out what we know so far.   Today's bag of popcorn is brought to you by H&R Block! Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock  Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

Be honest, do you only use a handful of passwords for everything in your life?  This episode is a reminder that you probably need to take a look at the passwords that you are using! Robb Dunewood from the Tech Jawn podcast is back on the show to share just how important it is to keep your information safe online and how password managers work to outsmart hackers and sophisticated computers from figuring out your passwords.   Listen to Robb's other episode on Popcorn Finance: 364 Could an Algorithm Stop You From Getting Your Next Apartment? Follow RobbWebsite | Twitter | Podcast | Instagram The Tech Jawn podcast Today's bag of popcorn is brought to you by H&R Block!  Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023!  https://PopcornFinance.com/HRBlock Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

Can your financial problems manifest into physical health problems if left unaddressed?  My guest today is Jason Vitug,  wellness advocate, author, and CEO of Phroogal and he believes that there is a clear correlation between mental health and financial wealth. In today's episode, Jason talks about his new book, Happy Money Happy Life, and how everything in our life is connected. Jason is passionate about sharing his philosophy that money isn't the goal; money is the tool to help achieve the goals. Listen to find out what steps Jason took to clean up his financial, physical, and mental health. Connect with Jason Instagram | Twitter | Website  Today's bag of popcorn is brought to you by H&R Block!  Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock  Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!

Do rising interest rates mean we should abandon our investment plans?  The short answer is no and in this week's episode, I'm sharing a snippet from a recent interview from my weekly segment on NBCLX where I explain why. Higher interest rates could mean you're paying more on your mortgage or credit card debts however, it also means potential for higher returns on your short-term investments. Listen to find out what short-term investment options you might want to consider.  Today's bag of popcorn is brought to you by H&R Block!  Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023!  https://PopcornFinance.com/HRBlock  Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

Are you up-to-date on the changes being made to our tax system this year?  This week we'll be discussing 4 changes going into effect this tax season. These changes include a new tax filing deadline, updates to tax credits and charitable donations, plus a warning for all crypto investors. Today's bag of popcorn is brought to you by H&R Block!  Get 15% off Do-It-Yourself Online Tax Filing Products with H&R Block through April 18th, 2023! https://PopcornFinance.com/HRBlock    Join Me on YouTube! https://www.youtube.com/c/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

Evolving your company's approach to marketing and customer experience is required to stay ahead of the competition, even for the most established pillars of business. In this episode, Lauren Gerstner, Head of Marketing, MassMutual Financial Advisors, details how the centuries-old institution continues to adapt to meet changing expectations while maintaining the authority and customer trust it has established over 171 years.Tune in to learn:(10:18) Opportunities from MassMutual's partnerships, including the Boston Red Sox(16:00) How advisors need to engage with marketing(18:57) How Lauren views artificial intelligence for driving growth(22:01) MassMutual's unique “Awkward Silence” campaignMentions:1:45 Northwestern Mutual - https://www.northwesternmutual.com1:46 H&R Block - https://www.hrblock.com/home/1:47 HP https://en.wikipedia.org/wiki/HP_Inc.1:51 New York Life - https://en.wikipedia.org/wiki/New_York_Life_Insurance_Company18:37 Chat GPT - https://en.wikipedia.org/wiki/ChatGPT20:52 REGBI (Regulation best Interest) - https://www.finra.org/article/regulation-best-interest-%28reg-bi%29-overviewMarketing Trends is brought to you by Salesforce Marketing Cloud. For more great marketing insights, sign up for The Marketing Moments newsletter. You'll get ideas to help you build better customer relationships, invites to upcoming events, and access to the latest industry research. Subscribe at https://sforce.co/MarketingMoments

George Kamel & Jade Warshaw answer your questions and discuss: Setting up a marriage for financial success, "Should I borrow money for a certification that can increase my income?" "I lost $85k in single stocks", HR Block offering tax refund advance loans, Updating payroll tax withholdings, What to look for when buying a home, Selling an upside down car. Support Our Sponsor: Grip6 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy