Podcast appearances and mentions of Hal Elrod

Michael Blank is a real estate investor, author, speaker, and CEO of Nighthawk Equity. He's one of the leading authorities on apartment investing and financial freedom through multifamily real estate. With over $300 million in assets under management and author of Financial Freedom with Real Estate Investing, Michael helps investors and aspiring entrepreneurs escape the W-2 grind by acquiring multifamily properties and building sustainable income streams.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways Michael transitioned from tech to restaurants to real estate after early business setbacks during the 2000 and 2008 market crashes. Multifamily real estate offers superior risk-adjusted returns due to forced appreciation and operational control compared to single-family homes. Market sentiment is often wrong—investors must look past fear-based headlines and focus on long-term fundamentals. Today's market offers lower leverage, better pricing, and a strong long-term demand outlook for multifamily housing. Education and building sophistication as an investor is critical to identifying real opportunities, especially in volatile markets.     Topics Michael's Journey into Multifamily Started in corporate software; was part of a major IPO just before the 2000 tech bubble crash. Lost significant capital in restaurant franchises during the 2008 recession. Began flipping houses before discovering multifamily through a 12-unit deal in DC that eventually sparked his passion for apartments. Built Nighthawk Equity and an education platform to help others achieve financial freedom through apartment investing. Understanding Risk-Adjusted Returns Multifamily offers superior downside protection compared to many other asset classes. Operational risk (property management) can be mitigated by using professional managers. Market risk can be managed by focusing on NOI-driven valuation rather than relying on market appreciation like single-family. Investors must evaluate underwriting assumptions—rent growth, vacancy, CapEx reserves, and debt terms—to fully assess risk. Why Multifamily is Attractively Priced Today Current deals are 30% below 2021 peak prices. Leverage is lower and more conservative, reducing financial risk. Interest rates are flat or declining, improving the outlook for new acquisitions. Long-term demand remains strong due to the lack of new affordable housing supply. Investor Sentiment and Sophistication Market sentiment swings often don't reflect true investment fundamentals. Sophisticated investors like institutions are returning to the market now while many retail investors remain fearful. Successful investing requires becoming a student of the market and evaluating data beyond media headlines. Raising Capital in Today's Market Focuses heavily on education to help investors understand why now may be a great buying window. Transparency, data-driven insights, and regular communication are key to re-engaging cautious investors. Building long-term relationships and trust remains critical to capital raising success.    

#874 Here's how you achieve your goals. First, figure out what you want and find the next step you need to take. Next, learn about that one step and nothing else. Then, repeat. This process is the essence of just-in-time learning and the secret to success. I talk all about it in my brand-new book, Lean Learning! To mark the occasion, I have a very special episode for you. Hal Elrod, my friend and bestselling author of The Miracle Morning, is flipping the script and interviewing me about the book. I share how to avoid the just-in-case learning trap and leverage voluntary force functions to overcome fear and build courage. We also discuss micro mastery, finding the right mentors, and how to create the support system you need to succeed. If you feel like you're learning but never actually moving closer to your goals, this is the session for you! Show notes and more at SmartPassiveIncome.com/session874.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We live in a time when there is so much information and technology available to optimize our health, making it increasingly easy to fall into the trap of obsessing and overcomplicating our health. I recently had the honor of speaking at Dave Asprey's Biohacking Conference, and I had an eye-opening realization: sometimes, the pursuit of biohacking can lead us away from peace and into overwhelm.  In this episode, I'm sharing five (5) nature-based “biohacks” that are free and cost nothing to help improve your mind, body, and overall well-being. While there is no shortage of tools and gadgets, such as cold plunges, red light therapy, and PEMF mats, that track every macro—and I've tried them all—we actually have everything we need if we just utilize what nature provides. No matter what your personal goals are, whether it's to lose weight, add muscle, or improve cardio, I believe that improving our health isn't achieved through suffering; it's attained with consistent and sustainable actions that give you the energy and motivation to propel you towards the next step.  KEY TAKEAWAYS How biohacking can shift from helpful to harmful when it becomes obsessive Why peace—not performance—should be your health goal Three questions to ask yourself to simplify your health routine Five nature-based habits that are both free and timeless How breathwork, natural sunlight, and grounding are great ways to reset and calm your nervous system Why learning more can sometimes be procrastination in disguise Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/590 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

What habits help you stay positive in the face of overwhelming adversity? At just 20 years old, Hal Elrod was hit by a drunk driver, declared dead for six minutes, and told he'd never walk again. Later, he faced bankruptcy and a rare, aggressive cancer with only a 30% survival rate. Despite these challenges, Hal found the motivation to transform his mindset, conquer the impossible, and create the life-changing Miracle Morning routine. In this episode, Hal delves into the psychology of habit formation and explains how a commitment to the SAVERS framework can boost mental health and unlock peak productivity, especially for entrepreneurs. In this episode, Hala and Hal will discuss:  (00:00) Introduction (03:32) Reframing Rock Bottom with the Five-Minute Rule (09:04) Shifting Your Mindset to Overcome Adversity (17:11) The Power of Self-Belief in Achieving Success (19:35) What is the SAVERS Framework? (25:10) Goal-Setting with Effective Affirmations (31:04) The Role of Sleep in Visualization (37:10) How Exercise Fuels Health and Wellness (39:38) Reading and Scribing for Personal Development (45:00) Why Entrepreneurs Struggle with Morning Routines (49:56) A Three-Phase Strategy for Forming New Habits Hal Elrod is a keynote speaker, bestselling author, and host of the Achieve Your Goals podcast. He is best known for creating The Miracle Morning, a global movement and bestselling book series that has sold more than two million copies and been translated into 42 languages. Hal's SAVERS framework has empowered millions to take control of their mental health, build sustainable habits, and adopt intentional morning routines. Sponsored By: Shopify - Start your $1/month trial at Shopify.com/profiting. Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  OpenPhone - Get 20% off your first 6 months at OpenPhone.com/profiting. Bilt - Start paying rent through Bilt and take advantage of your Neighborhood Benefits by going to joinbilt.com/profiting. Airbnb - Find a co-host at airbnb.com/host Boulevard - Get 10% off your first year at joinblvd.com/profiting when you book a demo   Resources Mentioned: Hal's Book, The Miracle Morning: bit.ly/The_MiracleMorning  Hal's Book, Taking Life Head On: bit.ly/LifeHeadOn  Hal's Podcast, Achieve Your Goals: bit.ly/AYG-apple Hal's Website: halelrod.com Psycho-Cybernetics by Maxwell Maltz: bit.ly/Psycho_Cybernetics  The Non-Runner's Marathon Trainer by David A. Whitsett: bit.ly/Marathon-Trainer  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap Youtube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Work-Life Balance, Work Life Balance, Team Building, Manifestation, Time Management, Life Balance, Goals, Resolutions.

In this episode of the Rachel Hollis podcast, Rachel dives into transformative habits and routines that can supercharge productivity, focus, and overall well-being. With insights from Hal Elrod, author of 'The Miracle Morning,' Miranda Kerr, supermodel and founder of Kora Organics, and Jim Kwik, renowned brain coach, the episode offers a blend of practical tips and inspiring stories.Get your copy of Rachel's New Book Here: Audible, Amazon, Barnes & Noble, Books-A-Millon, Bookshop.org, or wherever books are sold!00:28 Welcome to the Show01:24 Mastermind Episode Overview03:01 Who This Episode is For06:43 The Importance of a Morning Routine15:04 Hal Elrod's Life-Changing Accident18:31 The Five-Minute Rule21:04 The Birth of the Miracle Morning23:41 Doubling Income with a Morning Routine24:32 Health and Wellness Journey25:54 Product Development Insights29:00 Daily Health Practices33:02 Overcoming Learning Difficulties33:48 Brain Health and Memory Techniques39:13 Personalized Learning Styles43:05 Conclusion and Podcast CreditsSign up for Rachel's weekly email: https://msrachelhollis.com/insider/Call the podcast hotline and leave a voicemail! Call (737) 400-4626Watch the podcast on YouTube: https://www.youtube.com/c/RachelHollisMotivation/videosFollow along on Instagram: https://www.instagram.com/MsRachelHollisTo learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices.

From an early age, we're taught that the more you know, the better. But times have changed, as must our approach to learning.  More information is overwhelming, confusing, and slows us down. If information alone were the answer, we'd all be exactly where we want to be. The true indicator of success or failure isn't the volume of what you know but how effectively you apply that knowledge. Whether it's consuming podcasts and books or keeping up with social media on top of our work and family life, many of us spend time learning but struggle to implement what we've learned.  That's why I'm thrilled to welcome Pat Flynn back on the podcast. Pat is a long-time friend, beloved author, entrepreneur, speaker, and host of the Smart Passive Income Podcast. In today's podcast, and in his newest book, Lean Learning: How to Achieve More by Learning Less, Pat shares a brilliant approach that can change the way you think, learn, develop, and enhance new skills.  In our conversation, you'll learn the difference between what Pat calls “just-in-time learning” and “just-in-case learning,” how micro mastery enhances our learning process, and how voluntary force functions like setting dates and deadlines helped him succeed in business, public speaking, and even fishing. You'll walk away with new tools on how you can shift your mindset, apply lean learning to any goal, and start making immediate progress—one small action at a time. KEY TAKEAWAYS The difference between just-in-time learning vs just-in-case learning Why we're overinformed, overwhelmed and not productive The power of mentors, support and community to keep you motivated How micromastery reduces overwhelm and helps learn new skills faster How to apply lean learning to your Miracle Morning and the value of teaching others The power of voluntary force functions and adding dates to your goals Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/589 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

One of the biggest contributors of stress that is impacting millions of Americans right now is financial anxiety and economic uncertainty. In fact, according to a recent survey, 70% of the population is feeling the impact of the current economy. Not just mentally, but there's also a physical toll when your overall health, diet, and sleep habits start to slip. With that in mind, I'm sharing tips on mastering your mindset and three (3) simple steps that helped me turn things around from one of the darkest periods of my life in 2008, when I was drowning in debt, to doubling my income in just two months, even as the recession got worse. How did I do it? I leaned into what would become the Miracle Morning and the S.A.V.E.R.S. to focus on improving my financial situation. In doing so, I was able to stop my suffering and depression, regain my peace of mind, and start building momentum again. Whether you're struggling with inflation and the rising costs of groceries and basic needs or simply feeling stuck, these three steps can help you take action today and improve your situation, starting from the inside out. And always remember that your peace of mind is not determined by your paycheck but by your perspective. KEY TAKEAWAYS 70% of Americans are currently dealing with financial anxiety How the Miracle Morning and S.A.V.E.R.S. were created during my own personal financial crisis  Why mastering your mindset is the first step to overcoming financial stress. How to apply the S.A.V.E.R.S. towards specific goals like improving your income Reviewing and cutting unnecessary expenses relieves stress and creates peace of mind Focus on the things that are within your control Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/587 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  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, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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 guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    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   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   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, get rich education.com.    

Creating a Morning Routine for SuccessIn this episode, Scott & Renee discuss the "S-A-V-E-R-S" morning routine derived from the bestselling book "Miracle Morning".  You will learn how to start your day off energized and with positivity.  S= SilenceA = AffirmationsV = VisualizationE = ExerciseR = ReadS = Scribe (Journal)In addition, Scott is facilitating a 30-day challenge based on the Miracle Morning.  Check out our Facebook page to learn more @turnthedialcoaching.  *Turn the Dial Coaching is not affiliated with the Miracle Morning, nor are Scott & Renee Certified trainers of the system.  They simply have seen the amazing results personally by following the SAVERS routines and therefore constantly promote the book and system to others. 

International speaker and trainer Harriet Bratt reveals her inspiring evolution from being silenced by self-doubt to creating real impact through confidence and clarity. She discusses the value of genuine self-expression, ongoing personal development and staying focused amidst everyday distractions. Harriet also shares insights into her healing journey, transformative routines and deep commitment to helping others find their voice and live intentionally. Whether you're facing inner struggles or simply craving greater purpose, Harriet's story invites you to explore your own Journey and Adventure Within.   KEY TAKEAWAY ‘I've got a little saying; 'grow till we go'. I believe there will always be further expansion. There'll be areas that are blind to me right now that will evolve through healing, through growth, through expansion. But I would also say, I've done a lot of the work. I've got a lot of the internal foundations now.'   BOOK RECOMMENDATION* The Miracle Morning by Hal Elrod - https://amzn.eu/d/02ETDzX   ABOUT HARRIET Harriet is a powerhouse speaker and mentor on a mission to help ambitious entrepreneurs own the stage, elevate their income and make serious impact - whilst having a lot of fun along the way. It's one thing to speak, another to IMPACT!   With her Warriors' approach to mindset, public speaking and business growth, Harriet supports you to step fully into your power and turn information into unforgettable messages. Having provided keynotes and ran live events for thousands around the world, plus training hundreds of speakers - along with her online membership Impact, Harriet empowers female entrepreneurs to play with fear, confidently captivate audiences and create magic on both live and virtual stages.   When she's not teaching others to keep their fire burning & continue to inspire, you'll find her outdoors with her dogs, embracing travel or dancing around the house. If you're ready to amp up your impact, income and speaking game, she's here to get you there with flair!   CONNECT WITH HARRIET Facebook  https://www.facebook.com/harrietbrattspeaker/ Speak with Soul - public speaking group https://www.facebook.com/groups/HBWarriors  Instagram https://www.instagram.com/harrietbrattspeaker/ LinkedIn  https://www.linkedin.com/in/harriet-bratt-429b1b1a6/  Website  www.harrietbratt.com    ABOUT THE HOST - AMY ROWLINSON Amy is a purpose and fulfilment coach, author, podcast strategist, podcaster and mastermind host helping you to improve productivity, engagement and fulfilment in your everyday life and work. Prepare to banish overwhelm, underwhelm and frustration to live with clarity of purpose.   BOOK RECOMMENDATION* Shortlisted in The Business Book Awards 2025 (Work and Life category): Focus on Why: Create a Purposeful Way of Life by Amy Rowlinson with George F. Kerr – https://amzn.eu/d/6W02HWu   WORK WITH AMY If you're interested in how purpose can help you and your business, please book a free 30 min call via https://calendly.com/amyrowlinson/call   KEEP IN TOUCH WITH AMY Sign up for the weekly Friday Focus - https://www.amyrowlinson.com/subscribe-to-weekly-newsletter   CONNECT WITH AMY https://linktr.ee/AmyRowlinson   HOSTED BY: Amy Rowlinson   DISCLAIMER The views, thoughts and opinions expressed in this podcast belong solely to the host and guest speakers. Please conduct your own due diligence. *As an Amazon Associate, I earn from qualifying purchases.

This episode is incredibly long overdue but the stars aligned, and I had the chance to interview someone who has been instrumental in helping me become the man I am today. That person is none other than my mom, Julie Wilson. I can't wait for you to hear her story and mine from her perspective. You've heard me talk about many of the difficult chapters in my life—losing my sister, surviving a near-fatal car crash, battling cancer—but today, you'll hear those stories through the eyes of the woman who lived them right alongside me. And when I say literally, I mean literally beside me. My mom has been through more than most: the heartbreaking loss of a daughter (my sister), raising a rebellious teen (yep, that was me), watching me fight for my life multiple times, and most recently, surviving a serious fall that shattered her heel and broke her wrist. And yet, she remains one of the most joyful, optimistic, and resilient people I know. Her strength doesn't come from avoiding hardship—it comes from choosing laughter, faith, and service in the face of it. Whether you're a parent, a child, or someone simply navigating a tough season with life's curveballs, this episode is packed with love, wisdom, and great perspective. You'll learn how the positive mindset that I have today started when I was very young, why my family chooses to focus on the good things and not on the things that are out of our control, and how my mom lives with unshakable joy, even when life gets tough. KEY TAKEAWAYS How the words “Can't Change It” is more than a phrase—it's our way of life How my mom turned the loss of her daughter into a mission of healing for others Why giving tough love is necessary sometimes, especially when raising teenagers The positive mindset my mom had after a devastating fall from a ladder Her simple advice on true happiness and feeling young at heart That it's better to give than to receive and why my mom is compelled to help others Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/585 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

In this podcast episode, Dr. Jonathan H. Westover talks with Cameron Herold about evolving your team so that it doesn't need a "tie-breaker". Cameron Herold has decades of experience in operations, scalability, company culture, and so much more. Cameron Herold, founder of the COO Alliance and the Invest In Your Leaders course, is known as the "CEO Whisperer" for helping top businesses like Sprint Telecom and a Middle Eastern monarchy double their profits and revenue within three years. Starting his entrepreneurial journey early, Cameron built two $100 million companies by age 35 and later drove 1-800-GOT-JUNK?'s growth from $2 million to $106 million in revenue and from 14 to 3,100 employees in just six years. A captivating speaker, Cameron has spoken in 26 countries across all 7 continents, including Antarctica. He is the top-rated lecturer at EO/MIT's Entrepreneurial Masters Program. Rich Karlgaard of Forbes calls him "the best speaker I've ever heard...he hits grand slams." Cameron is also an accomplished author of six books, including Vivid Vision and the global bestseller Double Double, endorsed by Seth Godin. He's a frequent podcast guest, appearing on shows like The Jordan Harbinger Show, Achieve Your Goals with Hal Elrod, BiggerPockets Real Estate Podcast,, and hundreds more, as well as has been featured in CNN, Forbes, Inc., HuffPost.  Check out all of the podcasts in the HCI Podcast Network!

On today's episode of @The CLS Experience, we have a very exclusive treat. Back once again as a regular here, He is the host of the highly acclaimed Achieve Your Goals podcast, creator of the Best Year Ever Blueprint Live Experience, AND bestselling author of the game changing, and world shattering - The Miracle morning book series, but that doesn't scratch the surface of his story. The Miracle Morning, has been translated into 27 languages and is practiced daily by millions of people across more than 70 countries, igniting a global movement to elevate the consciousness of humanity, one morning at a time. Surviving cancer, a horrific accident, which found him actually dead momentarily -and continuing to inspire millions, he's the Executive Producer of *The Miracle Morning Movie*, revealing life-changing morning rituals of the world's most successful people, BIG facts. As a top-rated speaker known for his humor and impactful insights, he's dedicated to helping people and organizations harness and apply unparalleled levels of energy and focus to their daily lives to elevate their human experience. Let's dive DEEP on the The Miracle Morning (Updated and Expanded Edition): Please welcome BACK - the resilient gladiator, the handsome trailblazer, the abundant @Hal Elrod.(14:15) - The Power of Daily Personal Development(26:03) - Exploring Beliefs and Cultivating Desire(30:38) - Starting the Miracle Morning With Kids(38:45) - The Power of Encouragement and SupportCheck out Hal's Book HereTo join our community click here.➤ To connect with Craig Siegel follow Craig on Instagram➤ Order a copy of my new book The Reinvention Formula today! ➤ Join our CLS texting community for free daily inspiration and business strategies to elevate your day, text (917) 634-3796To follow The CLS Experience and connect with Craig on Social Media:➤ INSTAGRAM➤ FACEBOOK➤ TIKTOK➤ YOUTUBE➤ WEBSITE➤ LINKEDIN➤ X

Dealing with trauma and shame from our past can be tremendously heavy burdens to carry—but they don't have to define us.  These horrible experiences often shape our identity, our relationships, and even how we view the world. But one of the most important conversations we can have is how to heal from those experiences. It's my pleasure to introduce you to Daniela Tilbrook. Daniela is a trauma survivor, coach, and the author of the powerful new book, Not My Shame: Healing Childhood Trauma. She shares her deeply personal journey of surviving a decade of childhood sexual abuse, the years of silence that followed, and the transformative steps she's taken to heal, reclaim her voice, and now helps others do the same. You'll hear how meditation and The Miracle Morning were game-changers for Daniela in rebuilding a sense of faith and purpose and helped her shift from surviving to enjoying a purposeful life again. Whether you've experienced trauma yourself or want to support someone who has, this episode offers a message of hope, practical tools for healing, and a reminder that no matter your past, you have the power to choose your future. KEY TAKEAWAYS Why shame is never yours to carry—and how to give it back Daniela's LIGHT framework for healing trauma and reclaiming life How the Miracle Morning helped Daniela shift from surviving to thriving The power of affirmations and daily rituals in trauma recovery How to break free from overthinking, inaction, and victimhood Why finding your purpose transforms pain into power Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/584 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

It can be challenging to be faithful towards your goals and objectives in the seemingly endless supply of trials and adversity. Whether you're dealing with a crippling financial situation, devastating divorce, or something like my guest today, Hal Elrod, dealt with, a life-threatening cancer diagnosis. In spite of all that, and more, you have responsibilities to take care of and duties to fulfill. So, how do you do it? Today, Hal and I talk about being realistic in your pursuits by balancing the line between probable and possible, what is a true miracle and how to create more of them in your life, the powerful connection between mind and body (and, how to use it), and using affirmations in a way that works. SHOW HIGHLIGHTS 00:00 — Reconnecting After Nearly a Decade 00:45 — Hal's Cancer Diagnosis and Immediate Challenges 03:35 — Fear of Death vs. Fear for Family 06:14 — The Miracle Equation: Unwavering Faith and Extraordinary Effort 08:17 — Preparing for Death While Fighting to Live 13:08 — The Role of Affirmations in Healing 14:20 — Beating Cancer: Mindset vs. Reality 18:35 — The Mind-Body Connection and Healing Miracles 21:28 — Dr. Bernie Siegel's Insights on Cancer Survival 23:20 — Choosing Hope Over Despair 24:51 — Fear of Failure and Others' Opinions 27:11 — Defining and Creating "Miracles" 30:09 — Faith Without Works Is Dead 31:25 — The Origin of the Miracle Equation 36:44 — The Sales Miracle: A $20,000 Breakthrough 39:42 — When Other People Influence Your Outcomes 41:29 — Overcoming Major Setbacks with the "Until" Mindset 44:53 — Adjusting Goals Without Losing Faith 45:51 — Michael Jordan and Unwavering Faith in Action 48:13 — Is It Faith or Delusion? 51:08 — What's Next After The Miracle Morning? 55:09 — Hal's Next Project: Mastering Action and Inner Peace 57:38 — Where to Find Hal Elrod's Work Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

Laurel Ridge Community College hosts Leadercast 2025 April 24, 2025 / 23:21 The Leadercast 2025 event, set to take place in June, promises an unprecedented opportunity for both current and aspiring leaders to enhance their leadership skills. Hosted by Laurel Ridge Community College, this event boasts a lineup of world-renowned speakers, all set to offer invaluable insights and inspiration. Host Janet Michael connects with Christine Kriz, the Director of Corporate Training at Laurel Ridge Community College to learn details. One of the unique aspects of Leadercast is its inclusiveness – it's open to individuals and teams alike, offering everyone a chance to learn and grow. Christine passionately expresses the perpetual value of leadership development, likening it to a lifelong journey. 'Just like communication, leadership is something you can always improve,' she says. Historically, Leadercast began in partnership with Chick-fil-A and grew to become its own entity due to its immense popularity. With leaders ranging from fighter pilots to Olympic gold medalists, the lineup is designed to inspire and captivate. Christine reassures even the skeptics, noting how engaging the speakers are, saying, 'They are so captivating and inspiring, the 20 minutes is done, and you're like, I want them to talk more.' The event also features the Winchester Book Gallery, where attendees can purchase books by the speakers. Janet highlights an essential element of Leadercast – relatability. Unlike some events where speakers come from privileged backgrounds, Leadercast speakers often have humble beginnings. This relatability factor makes the event even more impactful. Christine shares the story of Jesse Cole, co-founder of the Savannah Bananas baseball team, who risked everything to bring his vision to life. 'Now they're billionaires,' she says, emphasizing that anyone can achieve greatness with the right mindset. This year's theme, 'Human Intelligence,' will feature various speakers, each addressing different facets of leadership and communication. Christine recounts some of the key speakers, including Hal Elrod, an extraordinary survivor and motivational speaker, and Christian Boucousis, a fighter pilot who teaches the concept of 'thought loops.' The event isn't just about listening; it's interactive and engaging. Janet emphasizes this, reinforcing that attendees will not be bored, thanks in part to local leader Jay Foreman. With networking breaks, fun exercises, and numerous giveaways, the event offers a well-rounded experience. Good news for businesses and teams: there's a price incentive. For every six people registered, the seventh ticket is free. Christine also mentions how easy it is to register, making the process hassle-free and accessible. Leadercast is perfectly timed this year, with early bird registration closing on May 5th. Christine urges everyone to sign up before enjoying their Cinco de Mayo margaritas to avail of the discount. 'It's $149 if you register on or before May 5th. After that, it goes up to $189,' she adds. Finally, Christine emphasizes the value of leadership training, not just within the workplace but also in daily life. 'You could be leading your family, a committee, or a sports team. Leadership skills are universally applicable,' she says. Leadercast 2025 is more than just an event; it's a transformative experience that promises to be both educational and entertaining. Christine sums it up best: 'The reviews we get on the evaluations every year are life-changing. It's just life-changing because these are skills that anybody can use and will make your life so much easier.' So mark your calendars and prepare to be inspired, educated, and entertained at Leadercast 2025. To register or get more information, visit laurelridgeworkforce.com/leadercast. Don't miss this chance to learn from some of the world's most captivating leaders and take your leadership skills to the next level.

We spend our lives balancing two forces: the actions we take (what we do) and the emotions that shape our inner world (how we feel). Last week, I addressed the first with a podcast episode titled The Shortcut to Self-Discipline (click here if you missed it), which teaches how we can get ourselves to do what we need to do, when we need to do it—whether we feel like it or not.  This week, I'm giving you The Blueprint for Inner Bliss.  What is inner bliss?  It's that state of genuine and sustained contentment, gratitude, and joy that doesn't depend on external events and enables you to maintain optimal mental and emotional states, even when life feels chaotic, uncertain, or out of control. KEY TAKEAWAYS Why fulfillment comes down to two things: what you do and how you feel The 3 pillars of inner bliss and how to practice each one daily How comparison keeps you from happiness—and how to break free from it Why defining your purpose doesn't need to be perfect A simple, powerful morning practice to cultivate peace and fulfillment Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/583 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Have you ever heard of that book Miracle Morning by Hal Elrod? I listened to that a couple of years ago on audio book, and I can't remember exactly what it said, but I'm mentioning the book because probably some of what I'm going to share with you is inspired by what I read or more accurately listened to in that book. I want to give credit where credit is due preemptively because surely none of this is original. I want to introduce you to the concept of the imperfect morning routine. We all talk about, well not we all, but we all at least hear about a morning routine, and the importance of a morning routine...

Have you ever struggled to follow through with your goals? Maybe you've labeled yourself as lazy, inconsistent, or just not disciplined enough. I get it—because that used to be me. In this episode, I'm diving into what I believe is the ultimate superpower for achieving anything you want in life: self-discipline. I'm sharing my journey from being an utterly undisciplined teenager to becoming one of the top performers at Cutco. Whether you've never considered yourself a disciplined person or you're already a high achiever looking to maximize your full potential, this episode will give you a step-by-step approach to developing the discipline you need to achieve your biggest goals. You'll learn the four key components of self-discipline, the difference between being motivated and truly committed, and why your identity plays a critical role in your consistency.  P.S. I'm sharing My Daily Self-Discipline Affirmations to help you build this superpower and make it a part of who you are, starting today. KEY TAKEAWAYS What motivates some people might not motivate others The 4 components of self-discipline (and the right order to apply them) The difference between being discipline-dependent and self-disciplined How your identity shapes your habits and outcomes A 30-day challenge to transform your self-discipline, starting today Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/582 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

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    

According to  a 75-year-old Harvard study on happiness, the single greatest predictor of a happy and long life is close, healthy relationships. But when a close relationship fractures, whether that's with a close friend or especially your spouse, it can have a devastating impact on your mental and emotional wellbeing that can take months, if not years to overcome. So today, I want to share a 5-step process for repairing and healing damaged relationships that's truly been transformative in my own life. Over the past 6 months, I've repaired my relationship with my daughter and with my wife on more than one occasion. Whether you're the one who's been hurt or the one who's done the hurting, there's a path forward—and it starts with humility, empathy, and a willingness to grow. What I've found is that in order to move forward, we have to learn how to shift from blame to responsibility, how to truly listen to someone else's pain without defensiveness, and why forgiveness—both for yourself and others—is essential to healing. This isn't about quick fixes or pretending everything is okay. It's about doing the hard but meaningful work of showing up with love, honesty, and vulnerability to restore the relationships that matter most in your life. KEY TAKEAWAYS Why healing a broken relationship starts with taking 100% responsibility The importance of listening without judgment—even if it's uncomfortable Forgivingness can be difficult, but liberating yourself from anger is much healthier You can't force or rush the healing process or rebuild trust. It takes time Practical steps to begin the healing process, even if the other person isn't ready. Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/581 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Jessica and Darren Salquist invite you to master your daily habits in this episode. That is where it all starts. You first. Be the HERO you can be, for YOU.Today, we dive into the power of AM and PM routines and how intentional habits can transform your life. Inspired by Hal Elrod's wisdom that “the way you wake up each day dramatically affects your success,” we explore how setting the tone in the morning and winding down at night can create momentum for long-term growth and fulfillment.We share personal routines that start with small, purposeful actions like ankle pumps, meditation, and motivational listening in the morning, and wind down with evening shutdowns, journaling, and digital detoxes. These routines aren't about perfection—they're about consistency, clarity, and creating a rhythm that supports your goals and well-being.Whether you're just getting started or refining your current habits, this episode will help you craft routines that fit your life and fuel your success. Join us and learn how building intentional AM and PM rituals can help you take your life to the next level—good vibes only!For more information on what we love doing, workshops, public speaking, and coaching, follow us and inquire here.Contact Darren Salquist at ⁠⁠nextleveltcoaching@gmail.com⁠⁠ for more information on the CoreFit Wellness Academy. Follow Darren Salquist, Life Changer, Self-Mastery + Heroic Performance Coach, PTA, and Personal TrainerIG: @salquid ⁠⁠https://www.instagram.com/salquid/⁠⁠Linkedin ⁠⁠https://www.linkedin.com/in/darren-salquist-3836b770/⁠⁠FB: ⁠⁠https://www.facebook.com/darren.salquist?mibextid=LQQJ4d⁠⁠Follow Jessica Salquist, Life Changer, Nationally Board Certified Reflexologist, Heroic Performance Coach, and Executive LeaderIG: @reflexologyjedi ⁠⁠https://www.instagram.com/reflexologyjedi/⁠⁠Linkedin: ⁠⁠https://www.linkedin.com/in/jessica-salquist-46b07772/⁠⁠FB: ⁠⁠https://www.facebook.com/salquistjessica?mibextid=LQQJ4d⁠⁠Find us both on IG @nextlevelreflexologycoaching ⁠⁠https://www.instagram.com/nextlevelreflexologycoaching⁠⁠Wellness + Coaching — Next Level Coaching and ReflexologyWebsite: ⁠⁠www.nextleveltransformationalcoaching.com⁠⁠ Check out Heroic.us to enroll in a coaching program and be part of an amazing community.Buy the book Arete here: ⁠⁠https://a.co/d/ctXhK7A⁠⁠ (on Amazon)

Today we're exploring the age-old question—Does prayer actually work?  Is prayer effective… or pointless? Have you ever prayed and felt like no one was listening? Or perhaps you don't pray because you don't believe it's effective.  Or maybe you've tried praying before, but your prayers haven't been answered, so you're skeptical at best.  Whether you're someone who prays frequently or not at all, I promise that this episode has value for everyone on both sides of the coin. Today, I'm exploring one of the most personal and profound topics I've ever covered: the power of prayer. But not just in the traditional sense. I'm talking about it from a scientific, emotional, and spiritual perspective. Whether you're deeply religious, spiritually curious, or a flat-out skeptic, this is an invitation to listen with an open mind. You'll hear me reference two studies from Harvard and Duke that show how prayer affects your brain, body, and emotional well-being—even if you don't believe in a higher power. I also open up about powerful, specific moments in my own life when prayer produced results I can't explain, from healing my body after a near-fatal accident to receiving life-changing blessings at just the right moment. And finally, I just want to say that this episode isn't about preaching or converting you—it's about expanding your understanding of prayer as a tool for peace, purpose, and transformation. Enjoy! KEY TAKEAWAYS The scientific evidence that those who pray often enjoy improved overall well-being Four types of prayer and how to practice each one (even if you're not religious) How I used prayer to heal, gain clarity, and overcome impossible odds Why unanswered prayers might be some of life's greatest gifts A simple daily prayer practice you can start today—no experience required Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/580 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Melissa Bee is a visionary leader, event creator, and advocate for holistic living.With over a decade of experience organising transformative events, Melissa has worked with globally renowned speakers, including Joe Cross (Fat, Sick, and Nearly Dead), Pete Evans, Osher Günsberg, Hal Elrod and Eddie Betts Her expertise spans health, sustainability, personal development, and lifestyle transformations.She is also the creator of Carnivore Collective Live, a movement that celebrates the carnivore lifestyle and is poised to gain global momentum.Beyond event creation, Melissa is a passionate advocate for empowering individuals to live healthier, more connected lives. Her work emphasises the importance of mindfulness, movement, meditation, nutrition, and self-enquiry, encouraging you to embrace physical, emotional, and spiritual wellness.Find Melissa on her IG - @melissabee.auFind out more about Melissa and her events here - www.mpwrdevents.com

Want To Watch The Matt King Show?Watch Here: https://www.youtube.com/@mattkingatx In this episode, we sit down with Hal Elrod, the author of 'The Miracle Morning', to discuss his journey through life's challenges, including beating cancer, balancing work and family, and his dedication to self-improvement. Hal shares his daily practices, affirmations, and how he's navigated dark times to maintain a positive outlook. We also dive into his lifestyle on a ranch in Austin, Texas, raising chickens and embracing sustainable living. From his experiences with financial instability to his thoughts on cryptocurrency, this episode provides a deep and personal insight into Hal Elrod's life and philosophy.Learn More About Hal Elrod & The Miracle Morning: https://miraclemorning.com/ Get $100 off your ticket to the Austin Entrepreneurial SummitUse Promo Code MKSAES100 https://rb.gy/i3vypl 00:00 Creating Affirmations to Beat Cancer01:03 Introducing Hal Elrod: The Human Behind the Miracle Morning01:55 Life on the Ranch: Self-Sustainability and Family03:17 The Joys and Challenges of Raising Animals05:30 Balancing Family and Work: A Personal Journey11:54 The Miracle Morning: Transforming Lives for 17 Years13:32 The Importance of Family: A Shift in Priorities16:16 Balancing Business and Personal Life19:25 Finding Joy in Basketball and Personal Growth22:41 The Origins of a Lifelong Learner23:26 Facing Adversity with Positivity26:13 The Miracle Equation and Beating Cancer31:07 Struggles with Mental Health Post-Cancer34:30 The Journey to The Miracle Life42:09 Global Impact of The Miracle Morning48:52 Financial Concerns and Future Plans51:19 Closing Thoughts and Where to Find MoreConnect With Matthttps://themattking.com/ Learn More About Gobundancehttps://gobundance.com/tribe The Matt King Show is a podcast dedicated to uncovering the untold stories of high-achieving individuals—entrepreneurs, athletes, investors, and visionaries—who have forged their own paths to success. Hosted by Matt King, the show goes beyond surface-level interviews, diving deep into the pivotal moments, mindset shifts, and lessons that shaped their journeys. With an engaging and thought-provoking approach, The Matt King Show isn't just about success—it's about the experiences, challenges, and philosophies that define extraordinary lives. This is where ambition meets authenticity, and where listeners gain insights they won't hear anywhere else.

Imagine if the key to achieving your biggest goals was learning to embrace common traits that aren't typically associated with great leaders? As you'll hear from today's guest, it's okay to be selfish, shameless, bossy, or even reckless because it can help you break free from limiting beliefs and supercharge your success. I'm excited to be talking to Jenny Wood. Jenny is a former Google executive and author of Wild Courage: Go After What You Want and Get It. For almost 20 years, Jenny enjoyed tremendous success at Google, starting from an entry-level position to building one of the company's largest career development programs. But in a courageous move, she walked away from corporate life to bet on herself by practicing the very principles she teaches in her book. In our conversation, we discussed nine surprising traits that can be powerful tools when applied the right way to help you break free from fear and self-doubt by rethinking what you've been told about success. If fear of failure, uncertainty, or judgment has ever held you back, this episode will help you unlock your version of wild courage and take bold steps toward positive outcomes. KEY TAKEAWAYS The three fears holding you back from success—and how to overcome them How to reclaim "negative" traits and turn them into strengths Why being selfish can actually help others and lead to greater impact You can create positive outcomes by stepping out of your comfort zone How to stop believing the tales and false stories we create in our mind Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/579 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Dr Feil reviews the life "S.A.V.E.R.S." from Hal Elrod's Miracle Morning book.Silence or MeditationAffirmationsVisualizationExerciseReadingScribe or WritePick one of these and start doing it until it is habit. Then keep adding and layering until it is routine. You will be surprised how much more you will get accomplished on a daily basis.Have you cheked out the Metacognition of Leadership Institute or M.O.L.I. yet? We just released a White Paper all about metacognition.You can download it for free at HETMOLI.com/white-paper

In this enlightening episode of the Engineering Our Future Podcast, my co-host Nicolai Oliden and I explore the science and methodology behind effective morning routines, with a special focus on how they can enhance productivity and mental clarity for engineering professionals.Our Morning RoutinesNicolai starts his day early with his wife, dedicating 15 minutes to coffee and planning. He systematically reviews his daily objectives, showing how even busy engineers can maintain effective morning practices. I think this is crucial step that I often miss - taking 5 minutes to plan.As for me, I start my day at 4 AM. My routine focuses on two main components: physical activity in the form of a 60-minute workout, followed by mental preparation through reading and prayer. This approach keeps both my body and mind operating at peak efficiency.We draw inspiration from James Clear's "Atomic Habits" to discuss habit formation. Nicolai and I emphasize the importance of "trigger events" - like having a glass of water as the first action of the day. We've developed what we call "recursive habit stacking," where each completed action naturally leads to the next, creating a smooth flow of productive behaviors."A thoughtful exploration of how habit formation and preparation can lead to success, both personally and professionally."Making It WorkLike any good engineering solution, we understand that morning routines need flexibility. We discuss how to handle various disruptions, from unexpected work calls to family commitments, while maintaining the core elements of the routine.I've found that documenting my routine helps tremendously with consistency. For example, I time-block specific activities (morning hydration, meditation) and regularly review and optimize this schedule. This systematic approach allows for continuous improvement, much like how we refine our engineering processes.Our methodology builds upon Hal Elrod's "The Miracle Morning" framework, which we've adapted specifically for engineering professionals. We focus on measurable outcomes and continuous improvement, applying the same analytical mindset we use in our engineering work.Through our discussion, we emphasize that successful morning routines need proper preparation, including evening setup and strategic planning. We've designed our approach to be both robust and flexible, making it suitable for engineers across different disciplines and work schedules.Timeline (YouTube Chapters) * 00:00:00 - Introduction* 00:00:57 - Nicolai's Current Morning Routine* 00:02:18 - Luis's Current Morning Routine* 00:07:13 - Benefits of Morning Routines* 00:09:51 - Tips for Starting a Routine* 00:11:28 - Using Prompts and Habit Stacking* 00:15:25 - Handling Disruptions* 00:17:01 - Writing Down Your Routine* 00:20:05 - The Miracle Morning Book* 00:23:11 - Closing RemarksLessons and Takeaways* Start your day with a clear plan by dedicating 5-15 minutes each morning to reviewing your goals and objectives.* Incorporate physical activity and mental preparation into your morning routine to boost productivity and mental clarity.* Use "trigger events" and habit stacking to create a seamless flow of productive actions every morning.* Document and time-block your morning routine to ensure consistency and allow for continuous improvement.* Prepare the night before by setting up your environment and planning strategically to make your mornings more effective.Links and References* Miracle Morning by Hal Elrod* Atomic Habits by James Clear Get full access to Engineering our Future at engineeringourfuture.substack.com/subscribe

For over a decade, I ate a "mostly" organic vegan diet and believed that I was fueling my body with the most nutritious food available. I say mostly because I didn't believe in inconveniencing people to accommodate my dietary preferences, so I was pretty flexible when other people were involved.  However, I experienced some health challenges including low energy and brain fog, and I realized that there were some vital nutrients that I was deficient in, which were missing from my vegan diet. Although I could supplement them, I wondered why they weren't prevalent in what I thought was the diet nature intended. That's when I started questioning everything I thought I knew about nutrition.  In today's episode, I'm sharing my journey of transitioning from vegan to a more balanced diet loaded with organic fruits, vegetables, nuts, seeds, and fats, as well as local pasture-raised, ethically sourced meats and eggs.  To be clear, this is NOT to convince you to change your diet but rather to encourage you to consider what our bodies truly need to thrive. This episode isn't meant to be preachy. There's no one-size-fits-all diet. It's about listening to your body, questioning nutritional norms, and making informed decisions so that your diet contributes to optimizing your energy and lifespan.  KEY TAKEAWAYS The role of vitamin B12 and why its absence in plant foods made me rethink my diet The challenges of getting key nutrients like iron, protein, and vitamins from a vegan diet How human history and evolution explain why meat has been a dietary staple Nutrition isn't one-size-fits-all. Listen to your body and get your blood tested regularly Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/578 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Launching isn't just about strategy—it's about mindset, self-awareness, and not spiraling into an existential crisis every time you check your cart. If you've ever felt like launching sends you into a stress spiral, this episode is for you.In this episode, Melanie breaks down how your mindset can make or break your launch, how knowing yourself helps you work with your energy (not against it), and how to stay sane before, during, and after your launch. Because let's be real—refreshing your email every three minutes isn't a business plan.Tune in as Melanie discusses:Why your mindset matters more than you think when launching.The difference between growth vs. fixed mindset and abundance vs. scarcity mindset—and how they show up in your launch.How knowing yourself (introvert? extrovert? somewhere in between?) can help you plan a launch that works for you.Mid-launch stress? How to pivot, stay focused, and stop panic-refreshing your cart.The power of post-launch reflection—and why every launch is a goldmine of data.Mentioned in the Episode:Ep 54: www.duxburydigital.co/episode54The Miracle Morning by Hal Elrod: https://a.co/d/5sadqcN________________________________________CONNECT WITH MELANIE:www.duxburydigital.cowww.instagram.com/duxburydigitalCONNECT WITH BRANDA:www.therelevantcollective.comwww.instagram.com/therelevantcollective

The 5/25 Rule: A Simple Strategy for Massive Success Are you spreading yourself too thin, trying to do it all? Warren Buffett's 5/25 Rule is a game-changer for entrepreneurs who want to stop chasing every idea and start making real progress. In this episode, I'm breaking down how this deceptively simple rule can help you hyper-focus on what truly matters in your business and eliminate distractions that hold you back. You'll learn how to identify your top five priorities and why everything else must go on the ‘avoid at all costs' list. The biggest reason entrepreneurs lose momentum is a lack of focus, and I'll show you how to stay committed even when distractions arise.  Unwavering faith and extraordinary effort are the secret ingredients to long-term success. Listen in as I share a powerful lesson behind Hal Elrod's six-year journey to a million book sales. You'll also hear how Warren Buffett built his fortune using disciplined focus and long-term strategy. If you've ever felt stuck, overwhelmed, or like you're spinning your wheels without making real progress, this episode is for you. It's time to eliminate the distractions that dilute your success, get clear on what really matters, and put your effort where it counts. Grab a pen, write down your 25 goals, and start prioritizing. Listen now and start taking action today.   What's In This Episode Losing focus from too many goals and fragmented attention  Warren Buffett's 5/25 Rule to prioritize your top goals  Hal Elrod's commitment to selling a million copies of his book The Miracle Morning  Persistence for achieving long-term goals  Importance of faith in oneself to achieve success How hard it is to stick to a goal long enough to achieve success What To Do Next Visit lisalarter.com/e180 for all resources from this episode. 

We all have intuition—a gut feeling, a knowing—but how often do we proactively use and trust it? How do we separate real intuitive guidance from fear or overthinking? If you've ever questioned your inner voice, today's episode is for you. I'm excited to be joined by Marissa DiSimone, known as The Soul Sourceress, to explore the power of trusting your intuition. I'll admit, I was skeptical when I first learned about Marissa's ability to receive intuitive messages. Then I spent time with her, and she offered valuable insights to help me gain clarity and direction in my personal and professional life.  She believes that everyone has the ability to connect with their intuition—it's just a matter of learning how to access and trust it. In our conversation, Marissa reveals how to recognize intuitive signals and why a little skepticism is healthy, and she shares a simple exercise to help you start tuning into your intuition today. We also dive into the role of spirituality, how to discern between fear and true intuition, and why trusting your inner wisdom can transform your life. KEY TAKEAWAYS How to tell the difference between intuition and fear A simple rocking exercise to discover your personal "yes" and "no" signals Why intuition often feels like a whisper and overthinking feels like shouting Why trusting your intuition requires taking action on what you receive How creativity and intuition are deeply connected The importance of tuning into your intuition in moments of peaceful silence Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/577 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Kiera reminds dentists to prioritize wellness and support in their day-to-day. Episode resources: Sign up for Dental A-Team's Virtual Summit 2025! Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:01.006) Hello, Dental A Team listeners. This is Kiera and happy National Dentist Day. I felt like today would be such a great day for us to highlight how we can support dentists on mental health, wellness, and excellence on National Dentist Day because I believe that dentistry can be a lonely profession. I believe that I've seen so many dentists feel alone and isolated like they're on their own island. And so today I just wanted to highlight and celebrate.   how much dentists do and also how dentists can help themselves, but also how your team can help support our doctors that do so much for us. So today, you guys, honestly, dentists face unique challenges. And so today I just wanted to have it be a powerful reminder that prioritizing wellness and support in our profession is necessary. It's needed. It's such a lonely profession in so many ways, if we choose. And I don't want us to choose that. I want us to choose a vibrant, a happy, a fulfilling   space in dentistry. And that's honestly what Dental A Team is about. We created this podcast to positively impact the world of dentistry. Our mission is to truly impact the world in the greatest way possible. And we do that through expert consulting for dentists and teams. And so really helping you see that there's two sides to this coin. There's ways that we can see that it's a lonely field and we can also see that it's a very fulfilling field. And so today I just really hope that you take some tips from today. I'll give you three simple steps of how we're able to really take care of ourselves through self-care.   through mental health and also team collaboration in dentistry. I'm really a big proponent of mental health, especially in dentistry. And so today I just wanted to walk you through, you guys know the Dental A team, we're here to support you. We have consultants that are truly in every position in the dental practice. We come into your practices. We coach you virtually. We help you. are your advocates in dentistry. We're your advocates in business. We're your advocates for having the life on your terms.   Like I've said many times, life is my passion, dentistry is my platform and helping you truly be the fulfilled dentist that you were created to be. I love focusing on you as a person, on your profitability of your practice and then on systems and team development for your practice and really making that be an achievable piece for you. And so today, you guys, I do believe that there is a balance needed between professional success and personal wellness. And I don't believe that it has to be one or the other, it's an and. And so really giving you some quick tips today.   Kiera Dent (02:19.418) of some concise value-packed information that hopefully will be able to help you as we celebrate National Dentist Day. So number one, step one is to prioritize mental health and stress management. And I think the word prioritize in choosing that I am someone who does prioritize mental health and stress management. There've been studies that have been done that show that the workforce used to be one where it was more physical labor and so really taking care of our bodies. And now we've moved into this space where it's a very mental   world where so much of it is in the mental cognitive constantly running and it never shuts off. And I believe for dentists you have the mental where it never shuts off, but you also have the physical exhaustion of truly doing dentistry all day long and your bodies and making sure you've got the ergonomics. so being able to have that mental health and stress management where we have some shutoff time, where we do build the muscle of our brain. I remember I was in therapy and I said like, I can go and I can work out, but what can I do for my mind? And that's where we   we start to create the, if you will, the workout or the, the mental strength building through meditation and through silence and through some of that downtime shut off to allow ourselves to actually have that calm, have that space. so some key strategies for better mental health are mindfulness and stress relief practices like meditation. I'm a big believer. I read Miracle Morning by Hal Elrod. So if you're interested in a book, I love some tacticals for you.   That wouldn't really help me see how I could have a miracle morning of meditation, journaling, taking some time for me. And I really would encourage you to schedule 10 minutes a day or even just one minute a day for you to have mindfulness and reflection starting today. Do yourself a favor. It's National Dentist Day. Buy yourself the gift, the gift of time, the gift of mental clarity, the gift of   of really taking care and honoring yourself. And for me, I was able to do a shift of, like to honor my body. This incredible body that does so much for me is where my mental health journey started and to relieve the stress. So whatever it is for you, for me, it's hiking, it's being outside. So I love to meditate and I love to go for a morning walk to give my brain a shower. So whatever it is for you, giving yourself the gift, because if we can take care of ourselves, then we're able to give in support to so many others. And so dentists really,   Kiera Dent (04:35.662) being aware that you have the physical demands and you also have the emotional cognitive demands that are on you. And so having that, I also believe sometimes having a therapist can actually be a great thing for you within this mental health and stress management strategy that you create. And then also there's other things of joining communities of like-minded people like you. I believe that really can help and that's something I'm very passionate about. That's why we're bringing our dentists together because so many times as a consultant, I hear hundreds of offices.   and they have the same issues and the same concerns just colored in a little bit different way. so bringing our doctors together in person through our masterminds and through our in-person events really is a great way for our doctors to feel the support to say, I'm not alone. And when I hear dentists who have connected say, Kiera, I'm so grateful to know I'm not the only one. I think that can also boost that. So I would encourage you to schedule one minute to 10 minutes of just you time through meditation.   through stress relief, we're off the phones, we're off the screens, we're not listening to things, we're not trying to solve the problems of the world, but we just take that moment and reflect starting today. Step two is team members. This is for team members of how you can support your dentist. I do believe that teams, can really support our doctors by champion for them, helping our doctors get out on time, doing things for our doctors so that way we can...   Let them have the as much as we can take off their shoulders. So having our room set up and ready to go when doctors come in, so they're not looking for it. Hygienist calibrating. So that way your doctors have consistent exams. So when they walk in, they're able to get in, have a great exam and leave the room. Office managers, what your doctor asks you being really mindful and intentional to take notes and to follow up and to come back to your doctor. So they're not having to have the mental stress of trying to remember all the things they've asked for, but you proactively being on top of that.   Also making sure we're hitting our production goals and our profitability goals and our billing and keeping that AR down. I think are some really great ways to help support our doctor. And then also scheduling a schedule that's realistic for that doctor to be able to get through and not have to be superhuman and be in like five rooms at a different time or all at the same time. To me, that feels so unfair for that doctor. We expect so many things from our dentists. so teams, feel really being proactive on how we can help our doctor look to see because   Kiera Dent (06:53.912) Your doctor, as an owner, can tell you, is constantly thinking of ways that they can help make you happier too. And so if we can be a yin and yang team together where we're all looking out for how can we help each other. But those are some quick tips, I think, from doctors and from owners and from CEOs that I've heard that if team members would just rally in those little areas, typically the things that cause the most stress for our doctors are unproductive schedules. working and not making money.   not collecting and not having that 98 % collections and then also team morale and problems. And then there's a million other things, but I think those things really are some, some clutch things for teams to support. so teams also, I would encourage you check in with your doctor, especially office managers. You're the one closest ask your doctor, Hey, how are you doing? And what can I do to alleviate stress for you? Because I want to remind you, there's so much weight that none of our teams can see.   When I was a team member, didn't realize how much weight was on my doctor and my owner that I couldn't see. so really like seeing that weight that we don't even know and lifting in these little ways, I think can really help. And doctors, going to encourage you to ask for the help. I know we think as CEOs and owners, we're expected to do it all and have all the answers and you're a doctor. And what I will tell you is that's a great way to be lonely, overwhelmed and come unraveled versus there is another alternative that I'd love to offer as a perspective where you can actually have a team that supports you, that trusts you.   that rallies around you that wants you to be the best that you can possibly be and really truly creating that type of a culture that allows freedom, allows creativity, that allows fulfillment rather than being completely like smothered by your practice and feeling like you have to do it all. Both are available to you and I might encourage that today you actually choose this path and a great way for this is have a team meeting.   to discuss that every ways that our team can lift and maybe say, hey, this could really help me out if you could do X and each of us brings only one thing for one person. So not one person is getting 75 different things, but we're being intentional and cognitive of that. But how can we lift that burden? And a lot of times those burdens aren't even known. And so speaking up and having a team where we're collective with this, because the reality is most of us can take on one little piece that would actually chip away the burden of somebody that's very heavy. And then step three is,   Kiera Dent (09:05.73) I believe committing to lifelong learning and professional growth can also really help and this ties into a community. But finding ways to stay inspired, finding ways to get excited about what you're doing in dentistry rather than the day in day out mundane. And so finding ways where we can have continuous growth, we can find ways to stay engaged. I know for me, I accidentally got to a spot where I got disengaged. I lost the passion. I lost my why. I lost, why am I even doing this? I love what I do, but I'm stagnant.   And it was because I wasn't growing, I wasn't evolving. And so go to CE courses, schedule one in that really gets you excited. What do you really want to learn this year? What's kind of a pain point for me this year? It's marketing. And I'm super jazzed, even though it sounds daunting to me, but I'm super excited to learn the ins and outs of marketing, to take on AI courses, to figure out how I can incorporate that into the consulting company and then bring it also to our dental practices. But something that's going to engage me. I really have found that a lot of our doctors and myself included as a CEO,   getting in a community or a mastermind group with professionals, like where you can talk to them about these issues, you can be with them. I learned so much in person and that's why Dental A Team has brought in person to the table, to the scenes in 2025. I know when people have little kids or family agreement arrangements, it can be tricky, but I want to just remind you it's about a day and a half, at least that's Dental A Teams. It's a day and a half where you leave the practice, you leave your family.   and you go and you energize and you fill your cup. So then you're able to give to all these people so much more. And I think we, oftentimes make it bigger than it really is. It's a day and a half. So I'm giving up three days max of time to fuel my soul. And I think when we remind ourselves that we're worth that, but that's something essential. That's as essential as eating and having oxygen, at least for my soul and for me as a CEO and for a lot of the dentists that I consult and that our team consult, that's the equivalent of oxygen. And so really being able to have that of having a peer group,   And then really for yourself, just like, what do you want to evolve and to grow into set one or two of those that really just juices your life and gets you excited. I found that doctors, when they've joined groups, so a lot of our consulting clients, we have about a hundred clients and this year I'm excited. We're definitely going to be bringing on at least 200 and we've done it in a way where it will still feel very intimate, very small because I hate going into groups where I feel like I'm just one of the crowd. so   Kiera Dent (11:25.156) keeping it to where you feel very connected, very tethered, but also being able to expand our reach to more practices and to get more people connected. That's something I'm super jazzed about. And what I found is when dentists come together, when they see each other, when they meet with each other, their happiness goes up, their productivity goes up, their stress goes down, their team engagement goes up, because we don't just do this for doctors. We actually bring your office manager or a leader in person for you, because I found that that was the hardest thing. I go, get all excited about CE,   then I have no one to implement with me. And so not having that be the problem for you, but bringing you together. So productivity goes up, happiness goes up, stress goes down, team engagement goes up and ease comes into place and having friends. was like, gosh, it's like six wins right there. Just by being a part of something professional that stimulates you have a community of like-minded people for you. So like I said, three ways to do it are one, prioritize your mental health and set aside time to meditate, to do something for your mental wellness and stress management.   Number two is have a team that supports you and surrounds you and make sure that you are supported as a dentist and also dentists, you're asking for that help, not just burying yourself. And number three is having a support group and CE that energizes you and jazzes you and makes you so excited to continue and to be engaged are three great ways for you to be able to celebrate your mental health, your wellness and your fulfillment. This is truly the zone where you're gonna be able to have long-term success. We're not playing for the short game.   We're playing for the long game. We're playing for you to be fulfilled and happy for long-term success. And so I want you guys to know that I'm here. DM me, ask for help, reach out. If you want to come join us in person, I'd love to have you. These are some things that we can do. I'm happy to share with you my favorite meditation that I do, whatever I can do. So DM me for any tips. The Dental A Team, we're on Instagram, we're on all the platforms, we're on LinkedIn. You can message me directly.   And then also subscribe for more Leadership Insights where we celebrate you. We help you be a successful, thriving dentist and team. And if this can be a support for you, if you need one-on-one help or you're like, it would really help if I just had a coach in my corner, reach out. Hello@TheDentalATeam.com This is what we do. This is what we're experts at. And this is our passion. It's your success is our passion. And that's what we're here for. And as always, thanks for listening and I'll catch you next time on The Dental A Team Podcast.

You're in for a real treat today because this is a powerful episode with inspirational success stories from two (2) Miracle Morning practitioners. Holly Bertone and Karen Stringer are two incredible women who have used The Miracle Morning to overcome tremendous challenges, achieve their biggest goals, and create lives they once thought were impossible. Karen grew up in a rural village in Kenya, where money was scarce, and higher education seemed out of reach. But through unwavering faith and determination, she not only earned her PhD but also built a successful business as a language coach, entrepreneur and founder of KWS Language Services. Holly's story is equally powerful. As a former FBI Chief of Staff for Counterintelligence, she pivoted to a career as a Certified Holistic Health Coach after battling breast cancer and an autoimmune disease. And if that wasn't enough, while going through a difficult divorce, The Miracle Morning became her anchor, helping her rebuild her confidence, business, and life. In this conversation, you'll hear how they applied The Miracle Morning principles to unlock new opportunities, shift their mindset, and achieve goals they could only dream about. Whether you're struggling to stay consistent or looking for proof this daily morning routine can genuinely change your life, this episode will inspire you to take action today. KEY TAKEAWAYS Karen's transformation from a Kenyan farm girl to an entrepreneur with a PhD How Holly used The Miracle Morning to navigate a career change, battle cancer and manage a difficult divorce Why The Miracle Morning is about more than just waking up early—it's about becoming your best self. The power of adapting the SAVERS routine to your unique lifestyle and circumstances. How small, consistent actions compound into life-changing results. How The Miracle Morning can be the foundation for weight loss, financial success, and emotional resilience. Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/576 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

For many of us, fear isn't just a passing emotion—it's an invisible force that keeps us from taking risks and stepping into our full potential. But what if confronting our fears could motivate and propel us? Today, we're exploring how to reframe fear as a tool for growth, resilience, and success. I'm beyond thrilled to share my conversation with Rebecca Minkoff. Rebecca is a world-renowned fashion designer, entrepreneur, and author of Fearless: The New Rules for Unlocking Creativity, Courage, and Success. Her entrepreneurial journey is nothing short of inspiring. From a slow start, as she struggled to get her clothing brand off the ground, she eventually built a $100M+ fashion empire, only to face massive setbacks during the pandemic that forced her to pivot and rebuild.  In this episode, Rebecca shares her unfiltered truth—the wins, the failures, and the mindset shifts that helped her navigate uncertainty and emerge stronger. You'll hear how she turned fear into fuel, why taking risks is essential to success, and the power of reinvention when faced with obstacles.  KEY TAKEAWAYS How Rebecca turned a single handbag design into a $100M global brand The real struggles of entrepreneurship—and how she overcame losing 70% of her business overnight Why fear is not the enemy—and how to use it to fuel your success The power of pivoting and reinvention when life throws you curveballs Questions to ask yourself before starting a business The honest truth about Rebecca's experience on The Real Housewives TV show Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/575 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Are you starting to wonder about how much AI and technology is helping us or harming us? Most of us have smartphones in our pockets and rely on digital tools for almost everything. But beyond that, are we replacing a higher intelligence or even our relationship with God with artificial intelligence? It's a big topic, so let's talk about it. In today's episode, I'm diving deep into a question that's been on my mind lately: How are AI and technology fundamentally changing us? I'm not trying to ring alarm bells about the potential harms of technology. I want to help you build a healthier relationship with it—one that enhances your life instead of diminishing your mental and spiritual well-being.  We'll explore how our increasing reliance on digital tools might weaken our cognitive abilities—our memory, critical thinking, and creativity. More importantly, I'll share insights into how technology might shape our spirituality, subtly replacing our reliance on intuition, prayer, and deep reflection with quick, convenient answers from artificial intelligence. P.S. I'm also encouraging everyone to take the 30-Day "Less Tech, More God" Challenge. This is a simple but powerful way to reclaim your focus, reconnect with yourself, and realign with what truly matters. KEY TAKEAWAYS Why reliance on technology may be accelerating cognitive decline (aka "digital dementia") How AI, digital calendars, and search engines weaken our memory and problem-solving abilities The unexpected ways AI may be replacing our intuition and connection to God Five practical steps to develop a healthier relationship with technology Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/574 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Matt sits down with the one and only Hal Elrod—a man who has literally died, come back, and turned every challenge into fuel for something bigger. From a head-on collision that left him clinically dead for six minutes to beating a rare, aggressive cancer against the odds, Hal shares the mindset shifts and daily habits that helped him not just survive, but thrive. They break down the power of The Miracle Morning, the truth about affirmations (and why most people do them wrong), and how small, intentional choices can transform your life and business. If you're ready for a wake-up call—before 8 AM—this episode is it!Chapters:00:00:00 – Buckle Up: Welcome to The Eternal Optimist00:00:57 – Meet Hal Elrod: The Man Who Refused to Stay Dead00:02:29 – Family First, Business Second, Ego Never00:05:16 – A 70 MPH Collision, 11 Broken Bones & Six Minutes of Death00:08:04 – The Power of Owning Your Imperfections00:14:13 – Cancer, 30% Survival Odds & Choosing Faith Over Fear00:22:07 – Facing Mortality & Making Every Moment Count00:26:39 – From Adderall to Impeccable Health: The Hard Truth00:28:11 – The Miracle Morning Blueprint That Changed Millions of Lives00:30:57 – Scaling Impact: Schools, Apps & The Future of Mornings00:33:49 – Affirmations That Actually Work (And Why Most Don't)00:37:20 – Where to Find Hal & Join the Movement00:39:47 – The Lightning Round: Rapid-Fire Wisdom & Final WordsBook Recommendations:Michael Singer's booksByron Katie's booksDr. Benjamin Hardy's booksLinks and Resources:Hal ElrodThe Miracle MorningHal on LinkedInHal on InstagramHal Elrod and the Miracle Morning Routine on YouTubeHal's booksThanks so much for joining us this week. Want to subscribe to Eternal Optimist? Have some feedback you'd like to share? Connect with us on iTunes and leave us a review!

We've all heard someone give advice on cutting toxic people out of our lives. You've likely heard me say it on this podcast before. But what if that isn't the best solution? What if there's a way to differentiate between truly toxic people and those who are difficult and struggle with negativity? And what if you're the person in their life that can help them evolve and grow? In today's episode, I dive deep into this topic to challenge conventional wisdom and provide three questions to ask yourself and three steps to help you with the difficult people in your life. Instead of completely cutting people out of our lives, these relationships might be a way for you to add value to their lives with your friendship. So today, I'll share a few personal stories, including one that might just change how you view difficult relationships forever. You'll learn how to distinguish between truly toxic individuals and those who are simply difficult, and you'll discover why dealing with challenging people might be the ultimate growth opportunity—for you and for them. KEY TAKEAWAYS Your friendship might be exactly what someone else needs when it matters most The biggest differentiators between toxic and difficult people Setting boundaries with friends doesn't always mean cutting ties with them The unexpected benefits of dealing with challenging relationships Three practical steps to handle difficult people with grace Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/573 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

How often do you struggle with a big decision to the point where you just feel stuck? Most people do. You've narrowed it down to 2 or 3 choices but can't seem to move forward. Today's guest is here to show us how to make these choices with clarity and confidence so you can stop second-guessing yourself and start creating the life you want.  Kim DeYoung is the author of The Book of Choice and the creator of the Choice Mapping process, a powerful tool for navigating decisions with intention and purpose. As a coach, speaker, and entrepreneur, she's dedicated her career to helping people unlock the power of their choices, and her insights have guided countless people to live more meaningful and examined lives. In our conversation, Kim and I dive into the psychology of decision-making, the common obstacles that hold us back, and the steps you can take to make thoughtful and intentional choices today. You'll learn how to distinguish between simple and proactive decisions and how Kim's Choice Mapping process gives you the tools to move forward confidently. KEY TAKEAWAYS Your choices influence your circumstance and define your destiny How to prioritize simple, momentary choices that we face each day How Choice Mapping helps make decisions with clarity and confidence We can transform limiting beliefs into opportunities for personal growth Bring intention and purpose into every choice you make Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/572 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Shawna and LaLa are back, even with LaLa battling the flu. The Grammy Awards spark heated debates as Shawna and LaLa discuss Beyoncé's unexpected win for Best Country Album and Kanye West's wife's Bianca Censori revealing ensemble. They also discuss the rise in plane crashes—coincidence or something more? Shawna's conversation with Hal Elrod, author of The Miracle Morning, brings hope and perspective with his incredible story of triumph.

In 2022, a study published in Psychology Today found that 88% of people feel worse after procrastinating. Procrastination is undoubtedly one of the most common barriers to success—but what if you could break free from it starting today? In this episode, I'm launching a brand-new series, Why We Do What We Do, where we'll explore the psychological and emotional patterns that shape our actions. There's no denying the fact that we get an immediate sense of relief when we procrastinate. But the downside is we sabotage ourselves and create additional stress in the process. Today, I'm sharing five strategies to help you draw a line in the sand and make a conscious decision to stop doing the things that don't move the needle in your life. You'll walk away with practical tools to shift your mindset, take action, and finally break the habits that prevent you from clearing your to-do list and achieving your goals.  KEY TAKEAWAYS Procrastination isn't about laziness—it's about emotional avoidance Short-term relief often creates long-term discomfort Accountability accelerates progress by creating external motivation Progress, not perfection, is the key to success Taking small steps creates momentum which compounds and reduces overwhelm The longer you put off and avoid something, the harder it gets Five (5) proven strategies to stop procrastinating  Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/571 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

If you've followed me for a while, you'll know that I've always believed in the power of affirmations to transform lives, and this episode will reinforce why they're such a game-changer. You'll hear how two simple words, “I am,” helped one of my favorite people go from a broke 19-year-old to a millionaire in just three years. Dan McCormick is a keynote speaker, business coach, entrepreneur, and author of Awakening Who “I Am”: Two Words to Ignite Your Transformation. He shares how his personal development journey was inspired by reading books by Zig Ziglar and Og Mandino and how he used affirmations to rebuild his self-worth and self-esteem to transform his life. In our conversation, we'll explore the nuances of affirmations. You'll hear why Dan believes starting your mornings on social media impedes your success and how applying simple yet profound daily practices can help you overcome limiting beliefs and unlock your potential for transformational success and happiness. KEY TAKEAWAYS Compassion and empathy are the foundation of true success Your success is capped by your personal growth You attract success by becoming the person who deserves it Start your day with intention and clarity before engaging in distractions Your affirmations define your reality so choose them wisely Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/570 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Hal Elrod's Miracle Morning philosophy has helped millions of people to create the life they've always wanted. In this episode, Hal tells Brian how changing the way you start your day will change everything. YOU WILL LEARN:· What prompted Hal to invent the Miracle Morning. · The power of the SAVERS practices. · Three steps to create results-driven affirmations. MENTIONED IN THIS EPISODE: halelrod.com“The Miracle Morning,” by Hal ElrodThe Miracle Morning movie“The Power of Now,” by Eckhart Tolle S2E55 Breaking the Ice – an Interview with Wim Hoff NOTEWORTHY QUOTES FROM THIS EPISODE: “Everybody wants the good life, but not everybody wants to pay the price to get there.” – Brian Buffini “Meditation isn't getting rid of thoughts, it's observing thoughts.” – Hal Elrod “In life we get what we're committed to.” – Hal Elrod “When you put your thoughts in writing, you force a heightened level of clarity that allows you to work through challenging thoughts and to solidify positive thoughts.” – Hal Elrod “Do the right thing, not the easy thing.” – Hal Elroditsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

Setting big goals can be overwhelming, which is why many people fall short and eventually give up on them. But by breaking your bigger goals into smaller goals, you create momentum, which leads to daily dopamine releases (the “feel good” chemical) that generate perpetual feelings of motivation.  In today's episode, I'm sharing four (4) proven strategies that will help you rewire your brain and stay on track to make it easier to achieve whatever goals you've set for yourself. You'll learn how being aware of your brain's neuroplasticity can help you close the gap between your desires and reality. So whether your biggest goals are to earn more money, get healthier, or level up your relationships with friends and family, putting these steps into action will help keep you motivated, overcome mental blocks that get in your way, and visualize what it will feel like to accomplish your goals by creating daily habits that create small wins to keep you motivated. KEY TAKEAWAYS The psychology of setting goals and triggering dopamine releases by achieving them Setting and visualizing specific goals helps rewire your brain with neuroplasticity How visualization helps close the gap between a vision and reality The power of focusing on tiny wins to create momentum Overcome mental blocks like procrastination or fear of failure with implementation intentions Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/568 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2024 Miracle Morning, LP and International Literary Properties LLC

In this thought-provoking episode of The 1000 Hours Outside Podcast, Ginny Yurich speaks with Hal Elrod, author of The Miracle Morning, about how small but intentional changes can lead to life-altering transformations. Hal recounts his journey of overcoming extraordinary adversity—from a near-fatal car accident to battling cancer—and how these experiences shaped his mission to help others. At the heart of his message is the question: “How am I going to turn my life around?” Through mindset strategies like the Five-Minute Rule and the belief that happiness is fleeting but peace is enduring, Hal shares how focusing on what's possible and refusing to settle for less than your best can change everything. Hal challenges us to rethink how we start our day, asserting that “everything you do is affected by how effectively you start your day.” By shifting your morning habits, you can overcome the limiting belief that you're not a morning person, stop resisting your life, and set the tone for meaningful change. He explains how settling for mediocrity makes life a struggle and reminds us that living to our full potential is the greatest gift we can give to those we love. If you've ever wondered, “What if you could change anything about your life by changing the way you start your day?” this episode offers the inspiration and tools to make it happen. ** Get your copy of the expanded edition of The Miracle Morning here Learn more about Hal here Learn more about Hal's podcast here ** Download your free 1000 Hours Outside tracker here >> https://www.1000hoursoutside.com/trackers Find everything you need to kick off your 1000 Hours Outside Journey here >> https://www.1000hoursoutside.com/blog/allthethings Order of copy of Ginny's newest book, Until the Streetlights Come On here >> https://amzn.to/3RXjBlN Learn more about your ad choices. Visit megaphone.fm/adchoices

Over the past few weeks in the Miracle Year Series, we've been laying the foundation to make 2025 your best year ever. If you missed the first 3 episodes, I highly recommend you check those out first because we're tying it all together in today's 4th and final part of the series: Turning Resolutions into Results.  I used to think success was all about dreaming and achieving the most significant goals I could. While that's great in theory, it often left me stuck and feeling anxious. What I've learned is that it's not about reaching for the sky and achieving life-changing goals. It's about the small, consistent steps that actually move the needle. Today, I'll share three simple but powerful steps to help you follow through on your goals, even on those days when you're struggling to motivate yourself. By focusing on habits, routines, and the accountability you need to stay on track, these steps will make achieving your goals feel effortless and almost automatic.  As a reminder, this series culminates with the Miracle Year Live Event on January 8th. This event brings everything we've covered full circle, so grab your spot by visiting MiracleYearLive.com KEY TAKEAWAYS Huge goals often feel exciting at first, but they quickly get overwhelming Don't focus on the finish line, focus on what you can do today Take action first, and the motivation will follow Not following through builds frustration, but even the tiniest win builds momentum How accountability partners are great ways to keep you committed and consistent Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/567 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2024 Miracle Morning, LP and International Literary Properties LLC

BOOK TOUR STOPS!! --- https://msrachelhollis.com/live-events/Did you pre-order Rach's NEW book? Get all your FREEBIES here!Pre-order your audiobook of ‘What if YOU Are the Answer' narrated by Rachel on Audible today! You can also pre-order your e-book or hard copy at Amazon, Barnes & Noble (they have signed copies!), Books-A-Millon, Bookshop.org, or wherever books are sold!In this episode of The Rachel Hollis Podcast, we're sharing the ultimate guide to setting and achieving bold goals. With advice from wildly successful entrepreneur Russell Brunson, Tony Robbins, the king of morning routine Hal Elrod, and high performance coach Mike Gervais, we explore how to break through self-doubt, build transformative habits, and align your actions with your biggest dreams. Whether you're looking to grow personally or professionally, this episode will give you the tools to crush your goals and make 2025 your best year yet.Featured Episodes Russell Brunson - 248Tony Robbins - 261/262Hal Elrod - 580Mike Gervais - 67900:00 Introduction to Human Training00:49 Reflecting on the Past Year01:25 Mastermind Session: Expert Advice02:01 The Journey of Entrepreneurship10:55 The Power of Focus and Mindset11:11 The Impact of Placebos13:20 A Life-Changing Thanksgiving19:18 Changing Habits and Emotional Home20:54 The Power of Gratitude and Priming22:38 Emotional Optimization Meditation24:45 Practical Affirmations for Personal Growth26:59 Beating Cancer with Miracle Morning30:22 Elite Performance and Recovery35:20 Managing Acute and Chronic Stress38:12 Shedding Stress and Mindfulness42:05 Conclusion and Podcast CreditsSign up for Rachel's weekly email: https://msrachelhollis.com/insider/Call the podcast hotline and leave a voicemail! Call (737) 400-4626Watch the podcast on YouTube: https://www.youtube.com/c/RachelHollisMotivation/videosFollow along on Instagram: https://www.instagram.com/MsRachelHollis To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices.

Life's curveballs can leave you feeling out of control, burned out, and off your game. And when your mornings feel chaotic, the rest of your day never seems to recover. Most people start their day hitting snooze, reacting to problems, and dragging themselves to work.  But what if you could take back your mornings and start every day with clarity, purpose, and motivation? Imagine how much more you could accomplish if you were already firing on all cylinders before 9 a.m.   In this week's episode, Bobby Richards and James Sweeting sit down with Hal Elrod, best-selling author of The Miracle Morning. Hal shares the powerful SAVERS framework — 6 daily habits that can revitalize your mornings and change your life. You'll learn how to overcome adversity, build emotional resilience, and design a morning routine that supports your mental, emotional, and physical well-being. Listen in to discover how a small shift in the first hours of your day can spark massive change in your life and business!   Go to MiracleMorning.com to learn how to start upgrading your morning routine.   -- BIG NEWS! After three amazing years, the Business Made Simple Podcast will be ending, and starting January 6, 2025, this feed will become home to an exciting new show: Why That Worked – Presented by StoryBrand.AI, hosted by Donald Miller.  It's been an honor providing you with the tools and frameworks to help you become a better business owner, and this new podcast will continue giving incredible value with actionable insights you can immediately apply. Stay subscribed to this feed so you don't miss a single episode of Why That Worked starting January 6, 2025!   FIND AND FOLLOW US ON INSTAGRAM: Instagram.com/BusinessMadeSimple

BOOK TOUR STOPS!! --- https://msrachelhollis.com/live-events/Did you pre-order Rach's NEW book? Get all your FREEBIES here!Pre-order your audiobook of ‘What if YOU Are the Answer' narrated by Rachel on Audible today! You can also pre-order your e-book or hard copy at Amazon, Barnes & Noble (they have signed copies!), Books-A-Millon, Bookshop.org, or wherever books are sold!In this episode of The Rachel Hollis Podcast, we're diving into the habits and routines that can transform your mornings—and your life. Featuring insights from Hal Elrod, Dr. Mindy Pelz, Mike Gervais, and Kimberly Snyder, we explore how to design a morning routine that fuels success, health, and happiness. From syncing with your natural rhythms to building heart-centered focus and high-performance habits, this episode will leave you ready to own your mornings and crush your goals.Featured Episodes580: Hal Elrod688: Dr. Mindy Pelz679: Mike Gervais673: Kimberly Snyder00:00 The Secret to Success00:48 Welcome to the Show01:14 Mastermind Series Introduction01:40 Morning Routine Insights02:43 Personal Development Journey04:01 The Miracle Morning Concept12:35 Hormonal Health and Lifestyle18:35 Understanding Estrogen and Fasting19:19 Navigating Ovulation and Hormonal Changes21:14 The Role of Progesterone and Carbohydrates23:30 Training Skills for a High-Performance Life28:41 The Importance of Self-Discovery and Mindfulness33:49 Heart Coherence: Aligning Heart, Brain, and Body36:56 Scientific and Ancient Insights on Heart Coherence39:02 Practical Applications of Heart Coherence42:18 Conclusion and Final ThoughtsSign up for Rachel's weekly email: https://msrachelhollis.com/insider/Call the podcast hotline and leave a voicemail! Call (737) 400-4626Watch the podcast on YouTube: https://www.youtube.com/c/RachelHollisMotivation/videosFollow along on Instagram: https://www.instagram.com/MsRachelHollis To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices.