Podcasts about Hawaii

Happy Wednesday YFT'ers! Your hosts kick this episode off with their latest health kicks: Brandi is loving Pilates while Wells is trying to drop a few pounds and improve his terrible sleep habits. From there they dive into a rich list of fave things, including F1: The Movie, Greenland 2, Paradise, Knight of the Seven Kingdoms, Monarch, and the upcoming Project Hail Mary, all the while wondering why every show right now seems to be about the end of the world. Are we all anxious about something?? And it wouldn't be YFT without a friendly PSA about cleaning your hair grooming products (do it today!). Brandi's off to snowy Calgary and Banff for a couple apres sets, and Wells is escaping to slightly warmer Hawaii. Hmm, which trip are you taking ?? Love ya, fam! Thanks to our awesome sponsors for supporting this episode! Quince: Now available in Canada too! Don't keep settling for clothes that don't last. Go to Quince.com/yft for free shipping on your order and 365 day returns.Pique Life: Redefine your standard of evening ritual. Secure 10% off for life and begin your intentional wind-down journey today at Piquelife.com/yft.BetterHelp: BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at BetterHelp.com/yft.Don't forget to rate, review, and follow Your Favorite Podcast! Plus, keep up with us between episodes on our Instagram pages, @yftpodcast @wellsadams and @brandicyrus and be sure to leave us a voicemail with your fave things at 858-630-1856! This podcast is brought to you by Podcast Nation.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Allen reports live from ACP OM&S in Orlando, where the crew discusses high attendance costs, a pay-to-play model that shuts out newcomers, and how the event compares to WOMA. Plus, Vestas CEO Henrik Anderson says he’ll leave Denmark if proposed wealth taxes go through, sparking a debate on executive pay and Danish culture. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! [00:00:00] The Uptime Wind Energy Podcast brought to you by Strike Tape, protecting thousands of wind turbines from lightning damage worldwide. Visit strike tape.com And now your hosts. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host Allen Hall, and I’m here with Yolanda Padron, Rosemary Barnes and Matthew Stead. I am at ACP OM&S in Orlando. Home of Mickey Mouse and we’ve had, uh, this is our second day at OM and S and this is the conference where all the operators and the maintenance and the ISPs and all the new technologies show up to, to discuss their products and try to get some work for the summertime. Uh, so there’s a, a good number of vendors here. Solars here, not as much best as I would as expected, and obviously a lot to do with wind. [00:01:00] Uh, I know we’ve been talking internally on Slack and amongst one another. This is one of the, the most expensive conferences I have ever attended. It’s about $2,200 to attend just to get yourself into the door. Rosemary Barnes: And that’s US dollars too.  Matthew Stead: Real dollars.  Allen Hall: Green backs.  Rosemary Barnes: That’s like three and a half times what our event cost. What warmer cost. If you do the conversion  Allen Hall: yes.  Rosemary Barnes: And you get access to what? An exhibition and all of a whole bunch, a variety of amazing, informative, technical topics included with that ticket price, right?  Allen Hall: No. You get access to the exhibition, they will feed you some, uh, enchiladas and some, uh, free beer, but all the technical talks are extra. You have to pay. Uh, a couple hundred dollars  Rosemary Barnes: enchiladas and beer are a must have that everyone obviously wants, but talking about wind energy, totally optional. Nobody. Now, obviously not everybody is gonna wanna talk about wind energy, [00:02:00] so that’s, that’s an extra ticket that you need for that one. Allen Hall: Well, in order to go to the, I would call them technical talks, you have to pay for those. They have an A space in the middle of the convention where they’re doing what they call powered cast. Which are kind of modeled on podcasts, uh, that are sort of a produced thing where they have a panel up there. It’s similar what to where you’d done in Melbourne with Woma, but not with real technical people. The more polishing people. That’s what I saw. I don’t know a lot of the names and I’m pretty used to, to recognizing names of wind and it looks like to be a lot more policy people not. Blade experts or people like that. Rosemary Barnes: I’m a little bit confused because it’s very different to, you know, I love to complain about the Australian wind energy events, but this sounds very different to the way that it’s run here. Like usually at the exhibitions, the exhibitors pay like a bunch of money to be there, and what they want is people to come see it. So [00:03:00] usually here the exhibition is. Free to attend because you are there to be advertised to, you know, like it’s not some like amazing, valuable thing to you. It’s super valuable to the exhibitors. That’s why they have to pay, you know, $10,000 plus to, to be there. Right, but you are saying that they’re, they’re charging the, the attendees are, they’re giving the exhibition space away for free then? Allen Hall: No, the exhibition space costs a tremendous amount of money for a little tiny space. I’m actually in our slot, we share. A slot because the prices are so high, we’re sharing it with AC 8 83 who we love and with C and C onsite, who also we love. So it’s a good combination ’cause we like one another. We’re fun to hang out with, but it’s probably a nine by nine space. Uh, and then you have to pay for carpet and all the furniture that happens inside of that space, you can easily spend. $10,000 on a salon.  Matthew Stead: Question for you, Allen. So, um, how [00:04:00] does, how does the industry foster, you know, new, new technology, new companies, you know, growth of the industry, new ideas, so, you know, how does this event, um, foster those sorts of things? Allen Hall: It doesn’t because it’s really, it’s pay to play as Rosemary has pointed out a number of times and is frustrated by. In order to get heard, you have to pay to one, have a booth, or if you want to get up on stage, it costs money. It’s, it’s not a small amount, by the way. So, uh, if you’re a new company, you got a great idea. You even have traction. Say you’re TRL seven plus and you want to connect with operators, it’s hard to do that here. Uh, the operators tend to be a little gun shy and, and they’re. Off on the side. I, I know some of them obviously, ’cause I, I know who they are, but it isn’t like, uh, the operators are walking around necessarily talking to all the exhibitors. That’s not how this [00:05:00] works. What generally is happening is the operators are talking, uh, to people that are selling products in these conference rooms on the side. So those things are completely off the show floor. It’s not the best situation. Like, I gotta admit, I’ve been to a lot of other conferences like in aerospace. Those tend to be a little more free flowing.  Rosemary Barnes: It’s interesting ’cause it’s like, obviously you go to the events because everybody goes to the event and I’m sure you’ve had some great conversations. Um, however, you don’t need to go inside. Like when you go to one of these huge events, you’re trapped inside a windowless room for all day, every day for several days in a row. Like, why does it need, why does it need to be there if they’re discourage, actively discouraging people from going to any presentations? Why couldn’t you just grab a bunch of friends, you know, put on an open invite, Hey, we’re all gonna the beach this week. Let’s go talk wind energy at the beach. Like, I, I don’t understand why we need to subject ourselves to this sort of, this sort of event. Like I [00:06:00] just, it it’s gotten out outta control, don’t you think?  Allen Hall: It has. I would never talk wind energy while I’m at the beach. I go, that’s probably one place where I’m not talking wind energy, but there are other nice places you could be. To talk about what’s happening in the industry and, and that’s one of the frustrating pieces about this is, although I love a lot of the people that are here, it’s not a great place to share new ideas or to learn something new. It’s, it’s mostly a, a meet and greet and catch up a reunion in a sense. Of, Hey, we’re the survivors. That’s it. Part of it is that feel right.  Rosemary Barnes: It’s pretty hard though if you are not like, you know, everybody you need to talk to. And I started doing the same thing, like at the um, one, one of the recent events or one of the events last year in, in Australia. I was so fed up with it the year before. I’m like, I’m not giving them any money this year. I was at least allowed to go to the exhibition for free at that event. So, you know, at least that’s something, but I mean, I barely even did that. Anyway. What I did was I set up at a cafe near to the event and just, I just [00:07:00]scheduled meetings like back to back for two days. Um, everyone just came to the cafe. But that’s ’cause I know everybody, right? Like, it’s like someone that’s new to the industry can get nothing out of these events. Now it seems like it’s just, it’s so, it’s so sad. Like where, how, how are you going? Like, you know, people brand new to the industry. You used to be able to go to an event and just be like, okay, I’m gonna just have information overload for two or three days, meet a bunch of great people and I’ll come away feeling like I’m part of this industry. I just can’t imagine. That happening at the event that you are describing, that someone would, would show up and, you know, come away knowing a lot more about the industry and with, with a bunch of useful connections. Am I right?  Allen Hall: Uh, I think you’re right. There’s were a couple of people that I ran into that were new to the industry, trying to start a service provider or repair business, generally speaking that, or a drone business that we’re trying to get into the, the industry and we’re reaching out and talking to people and. The thing about [00:08:00] wind is when you actually get ahold of somebody, they will help you. It’s, it’s very, uh, open. What do you do? What are you trying to do? Wherever you talk, who you talk to, here’s some names that will happen, but it is daunting because there’s a lot of people here. You don’t know anybody, and there’s no way to really introduce them. I think that one of the things that, uh, American C Clean powered. Did, uh, that I noticed was they had like a first timers reunion space, so, or a meeting space so that it had some beach balls and a little Tahiti hut or whatever those tiki hut or whatever that was where you could kind of hang out because you knew. But I’m not sure that’s the best way to do that. I think, you know, American clean power could do a much better job of knowing who’s first time and connecting them. If the industry’s gonna grow, you need to be taking in new people and new ideas. To it. The only way you’re gonna be able to do that is if you actively make it happen. Matthew Stead: Did you learn anything new [00:09:00] so far?  Allen Hall: Not new. Uh, I, because we’re doing the podcast and we’re recorded several episodes in the last two days, I was able to ask specific questions like, what are you working on? What’s new? What’s coming out? And that’s the way to get to those answers. But if you’re walking the exhibit four, you would not see a lot of new technology and. Three years ago, I think four years ago, especially like during COVID, there was some pretty cool technology out on the show floor, uh, but not so much Today, the industry’s matured and, and it’s a tough industry to, to survive in. So what you generally see is companies that have been around 3, 4, 5 years that have made it, that are profitable, that are making good and income, and are providing a service and have sustained businesses, that’s what’s here today. Yolanda Padron: I think that a CP, the intent behind events like the one you’re, and Allen and the one we’ve, the ones we’ve all been to are, the intent is great, but the [00:10:00] execution isn’t super great. Not just from the the point of view of people coming in from new to the industry and wanting to start an ISP or something, but just from the owner operator. Point of view, you know, you’re, if you have to pay to go to specific talks or to go to technical talks that you don’t really know how much they’ll benefit you until basically the end of it. Once you see the information that’s gone into it and the practicality of everything that they, they’re talking about, and then when you’re walking in the showroom like four, like it’s a little bit daunting sometimes. There’s hundreds of companies. Sitting around in kind of like a maze, right? And it’s not always like, oh, you need lightning protection. Like that’s that area. Or you need better locks for your o and m buildings or for your towers or something. It’s that section like you’re just walking around everywhere. And then just. It kind of turns [00:11:00] into, like sometimes it can turn into just a game of like, if you’re going with a lot of colleagues, like a kind of a drinking day or a day to just see who can collect more freebies. Like I remember one year we had a group chat of like, oh, like every time you saw something cool that was like a, a merchandise thing, like you would put it in the group chat, like E 46 has this. And then we would all go and get it and it was. I don’t think that’s the intent behind what, what we wanted to do. It really wasn’t what we saw at oma if we’re being completely honest.  Matthew Stead: What I’m hearing is that there’s a really strong need in the US for another event. Is that, is that what I’m hearing?  Allen Hall: I think there needs to be a real technical event run by people who are technical experts. I think that’s it because there are a lot of new solutions out there, but you’re not gonna find them at OMX. That’s just not the place. Now, I’m sure a CP would dispute that and that’s fine. They [00:12:00] have their own opinion. But I think having attended this for several years and a CP and a number of other, uh, conferences in wins, there’s a small subset that are sharing solutions. It’s small and maybe there is need for one in America. It’s hard saying, Matthew, I. I think that maybe there’s is a time and place for it. I’m not sure America’s ready for it in, in a broader scope, but maybe something small. Maybe that’s the way to start off, is to do something small. Bring in the people we know and love from around the world have, go back to Rosemary’s point. Maybe we do something by the, by the pool or by the ocean. Maybe we do talk wind energy for, for an afternoon.  Rosemary Barnes: I understand why you can’t, um, have an event at. A resort. And it was suggested actually to me a couple of times, like people when we were organizing Wilma, why is this in Melbourne? Why isn’t this in the Maldives? Or you know, some, something like that. And the [00:13:00] one of the reasons like for us, ’cause in our Melbourne event it’s a, you know, it’s a very low cost event. We don’t make any money from it. It’s small. At least half of wind energy People in Australia are living in Melbourne, so it’s very, you know, easy for them to go to that it doesn’t, it doesn’t cost much or take much time. So that was that reason. But I think that, you know, more broadly, like say we did a global event and we put it in the, in the malice or in Fiji or Hawaii or whatever, like, people aren’t gonna get that approved from their managers, right? So even though you know, you’ve spent, I don’t know how much the technical sessions were, but by the time that you’ve gotten to a CP, if you had to. Even, you know, fly there in Australian hotel for a few nights, like it’s gonna be, you know, four grand or something. You can get to a nice location, probably an all-inclusive resort for a week, somewhere nice for similar money. Like you would spend more time having quality conversations and it would be, you know, nice and enjoyable, but [00:14:00] your manager is never gonna approve that. So I think that’s the challenge. To find somewhere that’s like nice and conducive to being relaxed and open, but that doesn’t sound like. So obviously a junket that no one will get approval to go to it. That’s the, that’s the challenge.  Matthew Stead: Um, just this week we got the feedback from the WMA conference. So we got, um, some of the results from the survey and I think, uh, probably the key thing to me was that we achieved 4.6 out of five, um, star rating. Um, everyone gave it a four or a five. And we know people that give things four out of five actually mean five. So I think we did really well. So, uh, and the feedback was also, um, you know, the technical content, but people want more, more and more, uh, technical content and, and the interaction with people. Rosemary Barnes: That’s a really, a really key thing to get feedback on if there are. Experts or categories of information that you would like to see covered that haven’t been, because I think, like we talk a lot about how, what the [00:15:00]problems are with a pay to play kind of model where speakers pay and get up and give a sales pitch and you know, there’s a lot of problems with that. But then when it’s the other way around and you know, we’re choosing speakers that we know are good, then you fall into the risk of having it become cliquey where it’s just, you know, like all our friends over and over again. It’s uh, like hard for us to both vet the quality and bring in people that we don’t know. So that’s where the outside feedback is gonna make that a lot better. Um, and it takes a long time, you know, you do, ’cause you, you do need to get to know a speaker before you can decide whether they’re gonna get up in the acne. You don’t sell at you for half an hour when they were supposed to, you know, do something informative. So, would love to hear that feedback.  Matthew Stead: I think the proof is in the pudding because, uh, at for woma, no one said that they were unlikely to attend.  Allen Hall: Oh, I, I would hate to see what the numbers are gonna be for OMS this year. Uh, ’cause you know, you know why I say that? Because a lot of people that have exhibited in the past do not have a booth this year, and they’re walking [00:16:00] around the show. And to me that’s an alarm signal. They should have a booth. They have good things to talk about. They’re a successful company. They’re doing great things to win, but they feel like this is just too much. It’s too much. Eventually you reach too much. I think we’re there.  Rosemary Barnes: I think it’s been a really good, like, uh, a big event with an exhibition can be a real money maker. And for, you know, like, uh, assuming that SAP uses this. The money that they make from this event to deliver services for the American Wind Industry. Uh, I mean, you, you know, you can probably argue about how well or not they do that. I don’t have an opinion ’cause I’m not in America. But, you know, like, I, I’m not saying that that’s not the, um, a, a noble goal and a good thing to, for the business to be doing. However, I think that it, that you can overshoot and, you know, so you can make a, a bunch of money for a few years. You know, you’ve got a good reputation for your event. You’ve got everybody comes to it. You can charge squillions to exhibitors. You can charge squillions more to speakers. You can even start charging people to watch the speakers who have [00:17:00] paid to be there. Probably, I don’t, I don’t actually know in this case, my assumption. Um, but at some point. Like you’ve cottoned on that, hey, it’s not actually worth paying extra for the, um, you know, to go watch the speakers. And the last one of these, you know, similar Australian events I was at, I was like, Hey, it’s not actually worth me paying to go into there because I can get all the benefits by just being near to it, like then. Once you don’t have heaps and heaps of people moving through, then exhibitors don’t wanna pay $10,000 to be there. Um, and so like, it’s just, it’s not sustainable to run the event like that. And that’s what I don’t think that, um, a lot of these event organization companies, especially the ones that aren’t run by an industry body, um, the ones that are just run by a company who exist to make money off events. You know, like they’re not, I don’t think that they’re planning these events to be sustainable in the long term and to improve the industry.  Matthew Stead: Can I ask, um, a question for Yolanda and Allen. Um, so assuming this money for a CP [00:18:00] ends up as lobbying money, do you think lobbying at the moment actually helps? Allen Hall: Here’s the feeling about it on the floor, and I haven’t talked to everybody here clearly. But the significant percentage I had talked to thinks that the policy efforts have not borne fruit, and that in some aspects, uh, they have increased the tension. Whether they’ve intentionally have done that or not, I don’t know. But I think the feeling on the floor here, the last two days has been the industry is in a quote unquote downturn or a pause, and they’re waiting till 2028 to see what happens. That’s not the answer I wanted to hear. And also at the state level, I think, uh, the amount of policy changes that are happening are not pro wind, pro solar or pro best, except maybe in a couple of states. So, uh, you feel like although [00:19:00] American clean power is on a national level, you will also like them to be at a state level, helping move some things forward and stop some of the prohibitions that are happening, or to get some of the permits issued. That’s one of the things that popped up today, talking to someone in the know as that permits are hard to get hold of in some states. Well, American Clean Power is supposed to be helping with that. I’m not sure that they are, at least if they are, you can’t see anything visible happening. From the outside, which is a shame. That’s really a shame. So, you know where we go from here? I, I, I’m kind of in Rosemary’s camp. I had no idea. Uh, next year gonna be really interesting. I, I don’t know what the numbers of attendees are. Uh, I’m guessing a couple thousand people are here. I’m guessing, let’s just say it’s 2000 people. I may be off plus or minus. Well, not on the negative side. It’s more than a thousand people here, but it’s not 10,000. That’s for sure.  Yolanda Padron: I think that, uh, someone at Woma summed it up really [00:20:00] well when they said that, um, we need to shift the conversation from this is the right thing to do to this, is this, we should make this to be cost effective and it should be the obvious decision to make. Right? Just from a financial standpoint. Uh, and I think, I think that’s right from my, uh. Personal interactions with a lot of people in dc I think that lobbying really helps regardless of the political party that one is affiliated to. Um, just, just the way that sometimes our, our system seems to. I not, not to say that anything’s negative, I think it’s, I mean, it’s just the, the way things pan out, uh, oftentimes in the [00:21:00] us. Um, yeah, I mean, I’ve, I’ve heard from. From both sides.  Allen Hall: Well, to Yolanda’s point, I would say we don’t belong to American clean power because one, it’s expensive and as a small business, does it make sense as the changing policy that helps me? The answer to that historically has been no. It doesn’t mean it’s not gonna happen in the future. I think a lot of. Companies of our size are saying the same thing. There are some that have been here a lot longer that have knew a CP before it was a CP when it was a, a slightly different organization and they’ve continued on on, on some level just I think because they’re familiar with it. But I think the newcomers are having a heart attack. And I would consider me to be a newcomer that we’ve been in wind since about 2012 or 2013, so we’ve been in it quite a while at this point. But there’s some old guard here. The new. The new players though, I think are struggling. I think there’s very few new companies that are flashy. Like we saw in San Antonio a [00:22:00] couple of years ago at American Clean Power. We’re like, wow, there are some boosts here. And man, there’s some firepower happening and some really good marketing and some new products and new ideas. That’s not. That’s not here. Not, not this year. Delamination and bottom line, failures and blades are difficult problems to detect early. These hidden issues can cost you millions in repairs and lost energy production. C-I-C-N-D-T are specialists to detect these critical flaws before they become a. Expensive burdens. Their non-destructive test technology penetrates deep to blade materials to find voids and cracks. Traditional inspections completely. Miss C-I-C-N-D-T Maps. Every critical defect delivers actionable reports and provides support to get your blades back in service. So visit cic ndt.com because catching blade problems early will save you millions.[00:23:00] Denmark has long been the home of the wind industry, but now our proposed new wealth taxes threatening to push one of its most prominent executives out the door. And Henrik Anderson, chief executive officer of Vestas says he will leave Denmark rather than pay the new tax, even if it costs him tens of millions of Broner and exit fees. Uh, Anderson earned 32 million Kroger last year, and estimates he pays an effective tax rate of 60% already. He argues Denmark already leads Europe in income taxation and adding a wealth tax crosses the line and he, if he goes, he warns senior leadership could follow. Now, that’s a pretty bold statement for someone who was seen as one of the leadership. Uh, a group of Denmark on the industrial side. Of course,  Rosemary Barnes: I’d argue it’s also culturally, [00:24:00] culturally not a super Danish thing to, to say at least publicly. Um, yeah, I dunno how many Danish listeners we’ve got, but one thing that I learned when I lived there, they’ve got this thing called yte Long. I think it comes from an, an old book, like fictional book, but it does pretty. Well, Danish people say it pretty accurately describes Danish culture. I’ve just, uh, looked it up. But, um, so it’s Y Y’s law and that has 10, there’s 10 rules in Y’s law and they are, one, you’re not to think that you are anything special. Two, you’re not to think you are as good as we are. Three, you’re not to think you are smarter than we are, or you’re not to imagine yourself better than we are. You know, it can, it continues down like that. But I just wonder like, is the Danish wind industry, have they flown too close to the sun? Have they become too thought themselves too special? Is this an example of where Denmark Danish people would say, you know [00:25:00] what? Who do you think you are when dentistry, you think that you’re better than us? You think you’re smarter than us? Do you think that you don’t deserve to contribute to society? Because that is one of the biggest cultural differences that I found in in Denmark, was that people genuinely think that they have the um, responsibility when they’re doing well to make sure that everybody else in society is doing well. This is an interesting cultural moment for Denmark, is all I would try to say that this to me, I’m very interested to see how Danish people respond to this idea that. We’re gonna, we’re gonna leave now because we don’t wanna share our, uh, wealth with the Danish, with Danish society as a whole  Allen Hall: 32 million kroners, that’s actually extremely low and in the United States. Uh, there are thousands of companies, much smaller than Vestas, where the CEO is making a lot more than that, and to give half of that, more than [00:26:00] half of that away, so the CEO is taking home a million and US dollars, like 1,000,002, that’s not a tremendous amount of money. I for the responsibility which are on that person’s shoulders. I could see being a little upset about that. And obviously he travels in circles in which he meets a lot of people that are making a lot more money come to America, stop at a, I don’t know, there’s a lot of places, machine shops that’ll make more money than that. Uh, so I think there’s a right to be upset about it. You know, the, everything that’s happening in Denmark at the moment, I’m trying to. I feel like Denmark is getting it together. And then these things happen and I start to worry again. Uh, there’s, there’s so many things that have happened in the United States. They’re pushing against Denmark, and I feel, I’m always apologizing to my people I know in Denmark and like, this is another one. Like, oh, geez, yeah, we, you know, vest can move to America. Oh, no, no, no, no. I want buses to be where it is. Stay [00:27:00] there. But I think there’s opportunities for investors to move and you kind of get the feeling that they’re leaving Denmark slowly. Have you noticed that recently?  Rosemary Barnes: Maybe. I mean, uh, all of those Danish wind energy companies used to manufacture in Denmark and barely, there’s barely any Danish manufacturing now. So I mean, to a certain extent this is, you know, started a long time ago, but I also think that the, what you described at the tax of the CEO income and the income not being high, it’s not just, uh. Top 1% kind of issue. That’s something that I, I definitely felt it when I worked there, but I think that like, would your average Danish person wish that CEOs were paid more like Americans and that Danish society became more like American with a huge wealth inequality? I, I’m gonna go out in a limb and say. 90% plus of Danish people would absolutely abhor the idea of that happening there. And they will be very firmly on side of you should be, um, CEOs should not be [00:28:00] making that much money and people that are making a lot of money should be paying a lot of tax to support the rest of society at just, I, I, I’m. Pretty sure that he is like a really core cultural value.  Matthew Stead: I think he is good at, I mean, things don’t change unless things change. And, um, uh, I think it’s good for him to be pushing and, you know, making this a, a public discussion and a public topic. I mean, if he hadn’t have come out talking about this problem, we wouldn’t have been talking about it. So, uh, I think yeah. Good on him for raising it and for being brave. I mean, you, like you say, Rosie, um, is not traditional cultural. Values in, in, in Denmark, but, you know, good on him for, for pushing the, pushing the, the, the barrow.  Allen Hall: It’s, it’s hard, right? I think Vestas works in a global community and they see all different kinds of cultures and all kinds of economic systems, and they operate in all of ’em. And, uh, the CEO of Vestus were in the United States and they have a large manufacturing presence in the United States. Let’s face it. [00:29:00] Uh, easily making 10 million in the United States, maybe more easy. And I don’t think they’re paying him nearly enough for the work that he has done and things that he has accomplished. You have to admit, the CEO of Vestus has really put a lot of time and effort into that company and has improved it in ways that are somehow, uh, never discussed, but are, in my opinion, immeasurable. So for the long-term health of that company, they are seen as the preeminent wind turbine manufactured today. That’s hard to do. That wraps up another episode of the Uptime Wind Energy Podcast. If today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe to you. Never miss an episode. And if you found value in today’s this conversation for. Please leave us a review. It really helps other wind energy professionals discover the show for Rosie, Yolanda and Matthew. I’m Allen Hall, and we’ll see you here next week on the Uptime Wind Energy [00:30:00] Podcast.

Before Randy leaves for Hawaii, the boys recap their weekend in Dallas for the meetup, Zeej is set to dominate the Champions Tour, check out the physique on Nick Walker, and we have some huge Donna Kelce news. Support us on Patreon and receive weekly episodes for as low $5 per month: www.patreon.com/circlingbackpodcast Watch all of our full episodes on YouTube: www.youtube.com/washedmedia Shop Washed Merch: www.washedmedia.shop •    (00:00) Fun & Easy Banter    •    (10:10) Recapping This Weekend in Dallas Meetup    •    (47:45) It's Zeej Time    •    (57:40) Nick Walker    •    (1:08:50) Donna Kelce News Support This Episode's Sponsors:    -   Poncho: Go to ponchooutdoors.com/STEAM and enter your email for $10 off your first order.    -    Lucy: Get 20% off your first order when you buy online with code STEAM. And if you don't want to wait, just head to lucy.co/stores to find Lucy near you and grab it today.    -    BetterHelp: BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at BetterHelp dot com slash CIRCLING.    -    Factor Meals: Head to factormeals dot com slash backer50off and use code backer50off to get 50 percent off and free breakfast for a year. Learn more about your ad choices. Visit megaphone.fm/adchoices

Debbie is taken from her home and sexually assaulted by a man who tells her he and his friend will kill her entire family if she resists. Ray and his friend spend ten hours floating in the Pacific Ocean after engine failure causes their plane to crash on the way to Hawaii. Jasmine is shot six times by her ex who also shoots three of her friends.Apartments.com - To find whatever you're searching for and more visit apartments.com the place to find a place.Progressive - Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.Stamps - Go to Stamps.com and use code isurvived to get sixty days risk-free!Tempo - Check out TempoMeals.com/SURVIVED for 60% off your first box!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dana Ireland was on vacation in Hawaii in December 1991 when she was struck by a car while riding her bike. She was kidnapped, sexually assaulted, and left for dead, and she died from her injuries on Christmas Day. After going cold, her case was eventually “solved” with three suspects being indicted, charged, and convicted. But the evidence against them was shaky at best, and after years of fighting their convictions, they were exonerated in 2023… only for the real killer to be identified through advanced DNA testing the next year.  Click here to join our Patreon.  Connect with us on Instagram and join our Facebook group.  To submit listener stories or case suggestions, and to see all sources for this episode: https://www.inhumanpodcast.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today's market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We're talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You'll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott's team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.Watch the Original Video HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Kyle is back on Trip Tales! You may remember him from a previous episode where he shared about his family's all-inclusive ski trip to Club Med Charlevoix outside Quebec City. This time, Kyle, his wife, and their two boys (ages 9 and 14) from Charlottesville, Virginia traveled in December 2025 to Germany and Austria.Their adventure included exploring Munich, visiting charming small Bavarian towns, wandering Christmas markets, and skiing in the Austrian Alps. Kyle shares why skiing in Europe can actually be easier and more affordable than a typical U.S. ski trip, plus tons of practical tips for families who want to make a trip like this happen.This episode is available to watch on YouTube: https://www.youtube.com/@kelseygravesIf you'd like to share about your trip on the podcast, email me at: kelsey@triptalespodcast.comBuy Me A Coffee: https://buymeacoffee.com/kelseygravesFollow me on Instagram: https://www.instagram.com/kelsey_gravesFollow me on TikTok: https://www.tiktok.com/@mskelseygravesJoin us in the Trip Tales Podcast Community Facebook Group: https://www.facebook.com/groups/1323687329158879Mentioned in this episode:- Flying Dulles to Munich- Erding Therme indoor pool and spa in Erding, Germany- Bad Tolz: Christmas Market, glühwein, kinderpunsch, Lake Tegernsee Christmas Markets- Neuschwanstein Castle, Hohenschwangau Castle, Schlossbrauhaus in Schwangau- Garmish-Partenkirchen: Dorint Sporthotel, Christmas Market, Zugspitze- Innsbruck, Austria- Niederau, Austria: Hotel Staffler, Skiing in Hopfgarten, Westendorf, Kitzbuhel- Munich: Dachau, Novotel Munchen City, Hofbräuhaus MünchenTrip Tales is a travel podcast sharing real vacation stories and trip itineraries for family travel, couples getaways, cruises, and all-inclusive resorts. Popular episodes feature destinations like Marco Island Florida, Costa Rica with kids, Disney Cruise Line, Disney Aulani in Hawaii, Beaches Turks & Caicos, Park City ski trips, Aruba, Italy, Ireland, Portugal's Azores, New York City, Alaska cruises, and U.S. National Parks. Listeners get real travel tips, itinerary recommendations, hotel reviews, restaurant recommendations, and inspiration for planning their next vacation, especially when traveling with kids.

Check out this Drum and Bass mix with a little twist at the end. It features 26 banging tracks from such amazing artists as Friction, John Summit, Sub Focus, Fatboy Slim, 1991, A.M.C, and more. See the complete ID list on Instagram @mikelettner. As always, mahalo for listening and I hope you enjoy it!

Gonzaga University professor Veta Schlimgen chronicles the history of Hawaii and how it maintained its culture after becoming a U.S. state in 1959. Gonzaga University is located in Spokane, Washington. Learn more about your ad choices. Visit megaphone.fm/adchoices

Vivek Pathela opens up about his daughter Maya's long and challenging journey with autism, OCD, Tourette's, and PCOS, largely linked to vaccine and drug injuries. He shares how conventional medical treatments often worsened her condition and how their family eventually found meaningful improvements through homeopathy, working closely with Deborah Olenev. The conversation explores therapies like CEASE therapy, seed cycling, cognitive behavioral therapy, and the innovative approach of proximity dosing, along with the role of nutrition and targeted supplements in Maya's recovery. Vivek also highlights the latest breakthroughs in her cognitive and emotional health and reflects on the lessons learned along the way. His book, Healing Her Light, chronicles Maya's story and provides a guide for parents seeking practical ways to support their children's health.   Episode Highlights: 05:36 - Maya's Early Challenges and Diagnosis 09:10 - Detox Changes Everything 12:33 - The “Magic Formula”  13:39 - Recovery is possible and faster than you think 16:59 - The frustration of adding new drugs to fix old drug side effects 21:50 - The Breaking Point 25:13 - Innovative Dosing Techniques 27:15 - Managing Flares & Downturns 29:02 - Methylation Issues and Genetic Factors 34:03 - The Impact of Vaccines on Maya's Health 36:22 - Detoxing and the Role of Remedies 41:51 - The $6 Million Questions 47:42 - Hope for Recovery in Autism 49:37 - Early Intervention Changes Everything 53:30 - Where Can People Buy the Book? 56:26 - How to Donate   About my Guests: Vivek Pathela is a dedicated advocate for natural healing, inspired by his personal journey with homeopathy to support his daughter Maya's health. With a deep commitment to challenging conventional healthcare, he authored Healing Her Light to offer hope and practical insights to others. He lives on the island of Oahu, Hawaii with his family, where he continues to explore and advocate for effective and safe natural healthcare options.   Donate / Support Maya: https://givebutter.com/supportmaya   Website https://www.supportmaya.org/ Facebook Community https://www.facebook.com/vivek.pathela/   If you would like to support the Homeopathy Hangout Podcast, please consider making a donation by visiting www.EugenieKruger.com and click the DONATE button at the top of the site. Every donation about $10 will receive a shout-out on a future episode.   Join my Homeopathy Hangout Podcast Facebook community here: https://www.facebook.com/groups/HelloHomies   Follow me on Instagram https://www.instagram.com/eugeniekrugerhomeopathy/   Here is the link to my free 30-minute Homeopathy@Home online course: https://www.youtube.com/watch?v=vqBUpxO4pZQ&t=438s   Upon completion of the course - and if you live in Australia - you can join my Facebook group for free acute advice (you'll need to answer a couple of questions about the course upon request to join): www.facebook.com/groups/eughom

Fire crews responded to a brush fire in Waimea around 9PM near mile marker two on Waimea Canyon Drive. A vehicle was seen flipped over near the Palama Street off-ramp backing up traffic in the area. Three 18-year-olds from Kona are facing charges after a weapons investigation on Hawaiʻi Island. See omnystudio.com/listener for privacy information.

Daniel Buitrago & Brandon Fifield welcome special guests Travis & Lori Price, Owners & Operators of Fish Em, LLC in studio to talk Kenai River Guide Life, river ethics, and providing a world class fishing experience!    Fur Rondy was bust and freezing ass cold, enjoy the ice sculptures, B's trip up to Coke Wallace's place this weekend, Skilak Lake has some sketchy ice, shout out to all the folks who donated prizes to the 3rd annual Dray Result Party @ Double Shovel Cidery, (AK Wild Sheep, Alaska Gear Company, Alaska Blade Works, Screaming Eagle Archery & BHA Alaska) Alaska Outdoor Mentorship Program, Women hunting Alaska, On this day in Alaska History brought to you by Northern Waste, Travis & Lori's backstory & history, from Virginia and Hawaii to Alaska, building the guiding business, Fishing with Santa Event, favorite part of the Kenai river to fish, timing for flies, beads & flesh, best trout fishing during the pink runs, guides giving guides a hard time, give and take with the locals, a love for the upper Kasilof River, green mountain grille smoked salmon, Traeger Coffee Rub seasoning, Graying in Upper Kenai River, Trivia brought to you by Connoisseur Crude, 2026 Iron Dog Champs, AK State Record Rainbow Trout/Steelhead, Japan eats all our salmon, over 600 registered fishing guides operate in Alaska, Rapid Fire brought to you by Alaska Gun Co, Catch Fish & have Fun!         Visit our website - www.alaskawildproject.com Follow us on Instagram - www.instagram.com/alaskawildproject Watch on YouTube - www.youtube.com/@alaskawildproject $upport on Patreon - www.patreon.com/alaskawildproject Visit Fish Em - www.fishem.net

CLICK HERE! To send us a message! Ask us a Question or just let us know what you think!David Whelan is a foremost authority on the assassination of John Lennon.The conversation explores the complexities surrounding Mark Chapman's life and motivations. Chapman's background includes influences from religion and potential MKUltra programming. The significance of Chapman's time in Hawaii is highlighted as a turning point. The relationship between Chapman and Gloria raises questions about complicity.The day of the assassination is dissected for inconsistencies in witness statements.The role of security and bodyguards is questioned in the context of the assassination. Political implications, particularly regarding Reagan's administration, are discussed.The narrative surrounding the assassination is filled with conspiracy theories and unanswered questions. The legacy of John Lennon continues to provoke discussion and analysis. The political landscape during Nixon and Reagan's era influenced many events.John Lennon was a significant cultural figure advocating for peace.The mechanics of the shooting raise questions about the official narrative. Eyewitness accounts and medical evidence contradict the official story. There are suspicious characters and anomalies surrounding the assassination. The role of the police and their actions post-shooting are questionable.The involvement of secret organizations in political events is concerning.The media's portrayal of events can obscure the truth.The investigation into Lennon's death is ongoing and complex.Future revelations may change our understanding of the assassination.If you want to by David's Book click Below:https://www.amazon.com/stores/David-Whelan/author/B0D3549SFP?ref=sr_ntt_srch_lnk_1&qid=1772459579&sr=8-1&shoppingPortalEnabled=true&ccs_id=3b67c801-40d0-480a-a8dc-b0eff0b8f9fc

Questions are being raised about Hawaii's inmate furlough program and why the state is now launching a review. A popular fast-food chain teamed up with a local nonprofit to help keiki fall in love with reading. Former U.S. Congresswoman Colleen Hanabusa has died at age 74; we look at her decades-long career and lasting impact on Hawaii politics.See omnystudio.com/listener for privacy information.

A city-wide stabbing spree has left one woman dead and another in critical in condition. Former U.S. Congresswoman Colleen Hanabusa died at age 74, a look at her decades-long career and her lasting impact on Hawaii politics. And progress in the ongoing legal push to sort out the multi-billion dollar Maui Wildfire settlement.See omnystudio.com/listener for privacy information.

HPR All Things Considered host Dave Lawrence offers a send-off for another guest we've lost: music legend and one-time teen idol Neil Sedaka. Neil passed last weekend at age 86.

HPR All Things Considered host Dave Lawrence sends off a pair of guests today, starting with songwriter, singer, guitarist John Hammond, who passed last weekend at age 83. He joined us in 2016 for an interview in the Atherton Performing Arts Studio.

Welcome to Channel Nine. This week Paul Rodriguez sits in with us to talk about the NB Numeric's "Running Numbers" US Tour 2025 video, Rick Kosick breaks down his iconic photo of Daewon Song for the cover of Big Brother magazine in our new segment "Frame By Frame", The Retail Report featuring 808 Skateshop in Hawaii and much more! Become a Channel Member & Receive Perks: https://www.youtube.com/TheNineClub/join Nine Club Merch: https://thenineclub.com Sponsored By: AG1: Get a FREE Welcome Kit worth $76 when you subscribe, including 5 AG1Travel Packs, a shaker, canister, scoop & bottle of AG Vitamin D3+K2. https://drinkag1.com/nineclub LMNT: Grab a free Sample Pack with 8 flavors when you buy any drink mix or Sparkling. https://drinklmnt.com/nineclub Woodward: Purchase camp with code NINECLUB and receive a $150 discount off of summer camp. https://www.woodwardpa.com Monster Energy: Monster Energy's got the punch you need to stay focused and fired up. https://www.monsterenergy.com Yeti: Built for the wild, Yeti keeps you ready for any adventure. https://www.yeti.com Richardson: Custom headwear for teams, brands, and businesses crafted with quality in every stitch. https://richardsonsports.com Etnies: Get 20% off your purchase using our code NINECLUB or use our custom link. https://etnies.com/NINECLUB éS Footwear: Get 20% off your purchase using our code NINECLUB or use our custom link. https://esskateboarding.com/NINECLUB Emerica: Get 20% off your purchase using our code NINECLUB or use our custom link. https://emerica.com/NINECLUB Find The Nine Club: Website: https://thenineclub.com Instagram: https://www.instagram.com/thenineclub X: https://www.twitter.com/thenineclub Facebook: https://www.facebook.com/thenineclub Discord: https://discord.gg/thenineclub Twitch: https://www.twitch.tv/nineclub Nine Club Clips: https://www.youtube.com/nineclubclips More Nine Club: https://www.youtube.com/morenineclub I'm Glad I'm Not Me: https://www.youtube.com/chrisroberts Chris Roberts: https://linktr.ee/Chrisroberts Links We Talked About: NB Numeric's "Running Numbers" US Tour 2025: https://www.youtube.com/watch?v=z-DUIGBsjkw Rick Kosick Instagram: https://www.instagram.com/rickkosick Rick Kosick Website: https://www.rickkosickfilms.com Rick Kosick YouTube: https://www.youtube.com/RickKosickFilms 808 Skateshop Website: https://www.808skate.com 808 Skateshop Instagram: https://instagram.com/808skate Timestamps (00:00:00) Channel Nine (00:00:10) P-Rod is in the building (00:07:00) Paul talks PSL (00:13:50) Frame by Frame featuring Rick Kosick (00:32:00) New Balance Running Numbers Tour video (00:48:00) The Retail Report featuring 808 Skate in Hawaii (01:17:00) More PSL talk, evolution (01:31:00) Signing off and Thank You! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Expanded Perspectives, Kyle kicks things off by recounting a recent trip he and Luke took to San Antonio for a horror festival—an event packed with eerie atmosphere, strange encounters, and plenty of inspiration for the unexplained.From there the show dives straight into a series of chilling listener stories. One woman shares a disturbing encounter deep in the woods of West Virginia, where she claims to have stumbled upon what appeared to be a clan of feral people living far from civilization. Another strange report comes out of rural Arkansas, where a witness describes a large, Bigfoot-like creature sneaking onto her property and stealing chickens in the dead of night.After the break, Kyle explores a far more unsettling corner of folklore and legend—the terrifying side of the world's little people.Most people imagine these beings as harmless figures from fairy tales: gnomes beneath toadstools, fairies dancing in moonlit glades, pixies darting through the trees like sparks of light. Across many cultures, these small humanoids are said to dwell in hidden corners of the world, quietly watching from forests, caves, and ancient hillsides. But not all of the stories paint such a gentle picture.Kyle examines darker legends of mysterious tiny beings reported across the globe. From the eerie tales of the Ebu gogoon the Indonesian island of Flores, to the clawed, nocturnal river creatures of Cuba known as the Guije, and the mysterious underground builders of Hawaii called the Menehune.Along the way, the discussion even touches on the real-world discovery of Homo floresiensis, the tiny ancient humans uncovered on Flores—nicknamed “the Hobbits”—and the unsettling possibility that some legends may have deeper roots in reality than we once believed.From strange sightings in Epping Forest to bizarre wartime encounters on the windswept cliffs of Orkney Islands, tonight's episode explores the darker side of a legend most people think they understand.Sponsors:IQBAR: Right now, IQBAR is offering our special podcast listeners 20% off all IQBAR products, plus get FREE shipping. To get your 20% off, text EXPANDED to 64,000. Message and data rates may apply. See terms for details.Show Notes:Glimmer Man Book: Cloaked Beings That Move Among Us

FORGET DR JACKIE AND SURROUND SOUND SIMONE! WE GOT DR NOOR IN THE BUILDING! My New Jersey love Noor (of “The Reality Is” podcast) is here with me today to discuss some HBO programming! We touch on Dunk and Egg over on "Knight of the Seven Kingdoms" before putting on our scrubs and diving headfirst into "The Pitt" (located in Hawaii if you believe everything you read on Threads). WHERE THE HELL IS BABY JANE DOE?! Download and listen today to find out! Follow Noor on Instagram! Listen to “The Reality Is” on Apple Podcasts! Listen to “The Reality Is” on Spotify! *** HEY! Some of you have asked how you can show your appreciation for all the content provided by your mama's favorite Black geek. How about you buy me a beer/coffee? CLICK HERE TO SUPPORT! ***   New episodes of “I Ken Not with Kendrick Tucker” are released weekly!   DON'T FORGET TO SUBSCRIBE, RATE, AND REVIEW! I LOVE 5 STARS! EMAIL ME AT IKENNOTPODCAST@GMAIL.COM! FOLLOW ME ON INSTAGRAM! FOLLOW ME ON THREADS! Learn more about your ad choices. Visit megaphone.fm/adchoices

Rebecca Dow in Hawaii, Paul Gessing here in town, and what's after Iran on News Radio KKOBSee omnystudio.com/listener for privacy information.

How long can Kelly Slater, star of Stab In The Dark X and, less famously, the greatest competitive surfer of all time, remain the topic of conversation at stabmag.com? Indefinitely, one suspects. He is, after all, the most fascinating and formidable of lab rats. But for our fragile neural circuits, let's linger on Kelly one last time, in all his scheming, elegant, slightly terrifying glory. This week, Stab co-founder Sam McIntosh joins Dane and Dooma at the Stab Mic desk. They start where the conversation had no choice but to go: Kelly's selection of his own shaper, Dan Mann, as the shaper of the decade, and the fallout that ensued. Though Sam encouraged him to cut his own shaper's board, which is the gentleman's agreement for every previous edition of SITD, Kelly was naughty. He raged against the system and left his Mann in play. Sam defends him: deceptive, mercurial, infuriating, sure. But a liar? Must be a brilliant one. We're treated to SITD marginalia: Sam marooned on the beach counting Kelly's 147 waves, navigating the small cruelties of doing business with Kel, while Dane recalls a Hawaii heat where he had Kelly on the ropes, head held to the flame, until Kelly conjured a buzzer-wave and clipped him anyway. The lads also muse with perverse delight over Kelly's body, debate his T-shirt size, his multiple invites and refusals to Diddy parties, the possibility of his name in the Epstein files, and the tale of Sam getting slept by a former pro surfer. Enjoy the episode.

In 1892 the world's largest telescope, the Lick Observatory's 36 inch refracting telescope made the news when E.E. Barnard discovered, Amalthea, the 5th moon of Jupiter. In 2025 this historic telescope made the news again when on Christmas morning winds of 114 mph blew off a 3 ton piece of the shutter on its dome.The adaptive optics research pioneered at Lick Observatory helped in the creation of the twin giant 10 meter telescopes that sit atop Mauna Kea in Hawaii.

Maj. Gen. Lance A. Okamura discusses the military's partnership with Oʻahu officials to ensure Kolekole Pass can serve as an evacuation route; Hawaiʻi's new state poet laureate Lee Tonouchi says he plans to use his role to uplift marginalized voices

Hawaii leaders and residents react to the firing of U.S. Secretary of Homeland Security Kristi Noem. Kauai police arrest two fugitives wanted in connection with a California shooting involving a deputy sheriff. An elderly hiker is airlifted to safety after falling about 30 feet.See omnystudio.com/listener for privacy information.

Breaking news of a murder in McCully. Police have not made an arrest. Casey Lund will bring us the very latest live from the scene. The city continues to try to tackle a massive backlog for building permits. What officials are now doing to bring in more workers. Beware of solar scams. We'll tell you the promises that are being made that can't be delivered. See omnystudio.com/listener for privacy information.

A recent armed robbery in Kakaako has prompted concern among nearby residents, who say they no longer feel safe. Meanwhile, a Maui judge dismissed a fireworks violation case Thursday against the founder and lead singer of popular Hawaii band Maoli.See omnystudio.com/listener for privacy information.

Former congresswoman Colleen Hanabusa died last night after a private battle with cancer. American forces in the Middle East are the targets of Iranian strikes, and now we're learning Iran is getting help finding the targets. And one woman is dead another woman is fighting for her life, and we've learned the two stabbings are related. See omnystudio.com/listener for privacy information.

Rich Marquez, AKA “Pono,” was diagnosed with stage 3+ pancreatic cancer, a diagnosis where only 15-20% of patients are even eligible for the life-saving Whipple procedure. Through what he calls a series of miracles, strong medical care, unwavering faith, a disciplined approach to nutrition and prehab, and constant care and encouragement from his wife, Rich not only endured the strongest preventive treatments with virtually no side effects, he kept living. Two weeks after finishing 12 rounds of chemotherapy infusions, he was on a plane to Hawaii to play softball. Months later, Rich was competing at the Huntsman World Senior Games, where the team earned a bronze medal. Today, his labs are clear, he's cancer-free, and he's preparing to take the field again. This year, Rich's team gave him the nickname “Pono,” a Hawaiian word and name meaning righteousness, balance, and integrity, and he wears the name with honor. Send a text

  Where in the world am I? In San Diego today.   Hi there. I'm Dr. Mary Travelbest, coming to you from a recent trip to South Korea, now sharing my best travel ideas. I'm about to launch on a 90-day trip around the world.   Listener Story Spotlight   A friend and a listener named Lois recently went to Hawaii. She told me about how she spent a lot of time getting travel insurance for herself and her partner. She had to pay more than she expected as her partner was having a birthday between the day she bought the service and the day of the trip. But she said it was well worth it for her peace of mind.   Quick fire FAQ: The FAQ for today is: Where to find the best travel insurance for a long trip abroad.   1. Start with a neutral comparison engine and you can see this in the shownotes. Why use it first? Where to click Smart filters to enable Lets you price 30-day single-trip plans from dozens of underwriters side-by-side, then click through to the policy certificate in one step. Squaremouth (toggle "Comprehensive" or "Medical-only" to see apples-to-apples pricing). Squaremouth Travel Insurance Medical ≥ $100k, Evac ≥ $250k, "Cancel for Any Reason" if you want maximum flexibility. Gives you consumer-written claim reviews plus AM Best financial ratings right in the results grid. InsureMyTrip (same data feed as Squaremouth but different sort logic). Add "Pre-existing condition waiver" if relevant; check "Adventure sports" if you'll hike or dive. Pulls quotes from some insurers that don't feed aggregators (e.g., Allianz's higher-tier plans) and lists A.M. Best scores. TravelInsurance.com Use the "24/7 assistance" toggle; you'll see which plans outsource help lines. Skeptical check: All three make a commission; none of them has every carrier. Run your trip through at least two engines and see if the so-called "cheapest" plan really is. 2. Cross-reference with an independent ranking list ●      U.S. News "Best Travel Insurance Companies 2025" ranks plans by coverage and claim-paying history—not advertising spend. It's a fast way to see which names (Travelex, Allianz, Tin Leg, etc.) consistently show up in the top tier. U.S. News 3. See what other solo women say ●      SoloTravelerWorld.com keeps an updated "Best Travel Insurance for Solo Travelers" guide that spells out what to look for if you're traveling alone—single-supplement benefits, harassment coverage, and 24-hour crisis lines. Solo Traveler ●      AbsolutelyLucy.com lays out five red flags that matter disproportionately to women (e.g., personal-assault medical limits, emergency contraception exclusions). Absolutely Lucy Read these before you fall for glossy Instagram ads that treat "female-friendly" as a slogan. 4. Kick the tires on the insurer's own site If a plan looks good in a marketplace, open the policy certificate directly on the carrier's website (World Nomads, SafetyWing, Allianz, IMG, etc.). World Nomads publishes unfiltered claim reviews—useful for sniffing out chronic payout delays. World Nomads 5. Verify what your government will—or won't—do The U.S. State Department's Insurance Coverage Overseas page makes it crystal-clear that Uncle Sam does not pay your hospital bill or med-evac. It also links to the embassy medical resources for every country, which tells you how far the nearest trauma center is from your trekking trail. Travel.gov 6. Double-check your credit-card benefits Cards in your wallet may cover trip delay, baggage loss, or secondary car rental insurance. The Points Guy keeps a running tally of cards whose built-in coverage is worth something—and where the gaps are (e.g., no medical evacuation). How to use these resources efficiently Quote your exact dates (don't round your trip to a calendar month; excess days add cost). Filter for medical & evac first; those are the two benefits that can bankrupt you. Ignore marketing buzzwords like "explorer" or "adventure" until you've opened the PDF certificate and searched for the activity you actually plan to do. Run your final-four shortlist past recent claim reviews (Squaremouth, Trustpilot, Reddit r/solotravel) to see if the carrier ghosted people during COVID or the Israel–Gaza cancellations. Purchase directly from the insurer once you've chosen—that avoids aggregator change-fees if you need to modify dates. Stay curious, question every "Top 10" list's methodology, and you'll land the coverage that fits your risk profile—nothing more, nothing less.     60 second confidence challenge   3 things: neighborhood selection, daylight itineraries, scam avoidance Select walkable neighborhoods with public transportation nearby if you don't drive. Read reviews on the AirBNB website before you select. When booking a flight or train, be sure it arrives at a daylight time, which can differ in winter months. If it comes after dark, it will be more of a challenge for you. To avoid scams, be cautious when choosing passwords, logging out of websites, and making online purchases. These are very typical scams. If you are suspicious, you may be right to avoid that vendor and choose another. Don't look like a target, either.     If you like today's Confidence Challenge, Chapter 1 of my book dives deeper—link in description."   See Book A for addressing all of these items. Find it on the website: 5 steps to solo travel.com or on Amazon. It's a series.   Destination Deep‑Dive Today's destination is:       South Korea   I visited South Korea last year and am going back this month.  I landed at Seoul's Inchon Airport. My Korean pronunciation is not good, so please bear with me as I describe my trip. I was excited to see the city through my friend Chris's eyes. We were whisked away to a hotpot dinner, then taken to the French neighborhood in Seoul, where we rested overnight. The next morning, we drove south to visit a town about 2 hours away and stayed in Wolbong-ro (Road), in Seobuk-gu, near SeongJeong.   South Korea is about the same size as the US state of Virginia, or compared to the size of the country of Hungary. If you look at the size of the entire peninsula, you would say it's the same size as Minnesota or the country of Great Britain.   I was only there for four days, but during this time, I was able to see a lot of Seoul and explore some places to share with you.   For example, the Seoul Noryangin Fisheries Wholesale Market is five stories tall and open to the public. It's worth seeing if you like seafood, and you can roam the aisles looking for your favorite fish delicacies.   I visited the Vovo Bidet company and met with the director and some of his team. Have you seen the #1 Bidet firm in Korea? They have retail and wholesale offices in the Los Angeles area as well. I liked the tour of the offices here in Seoul. They even have a Bidet to go. Think about that for a minute. That was in Daebang-dong or Seocho4-dong.   I visited retail stores such as Zara, one of my favorite fashion stores. I had Chinese, Japanese, and Fusion foods. I took subways, buses, taxis, and Ubers, plus trains. I went to Gwannghumun Square, the purple Station #9.   I went to the shopping mall called The Hyundai, and found stores like Zanmang Loopy, the Hyundai Present, and a great coffee and tea shop.   I learned about Hanguel, the Korean alphabet, and saw the statue of Sejong the Great. There was also another statue of Admiral YiSun Sin. The Bukchon Honok Village is a quiet residential area. Jogyasa Temple is where you will see Buddhism. Hongdae is the neighborhood for independent artists.   Yonsei University was a place I wanted to visit next time, as I was in the neighborhood and liked it a lot. Gangnam style, well, maybe next time. I tried new foods, such as mung bean pancakes and hotteok dessert. We had a wonderful dinner at Sushi-ya Shabu-ya, about an hour from Seoul, near Korea Nazarene University in Cheonan-si-Buldang1-dong.   Recommended: Relax in a tea house.     Smart Move and Slip-up pairings We arrived in     In Korea, we were unable to enter the building because we had insufficient funds on our transit cards. Instead, we had to see the office at the kiosk and pay for the train. It was not much, but it did take a few minutes. We arrived well ahead of the recommended 3 hours, so that was not an issue.     60-second confidence challenge   Do you or don't you tip? Not in South Korea. But it's always smart to ask. Be confident when you know the expectations.   Resources Roundup   If you are looking for more solo female travel resources, you can find several tips and ways to navigate the pitfalls, such as paying the difference on the transit card when traveling long distances or knowing when to tip.   Take away mantra and goodbye.   When you get lost, don't get upset. Get found. You will be better off if you cool your brain down instead of heating it incorrectly. Chill, and you'll be found sooner. Dr. Travelbest's tip #760.   Thanks for listening.

Community news for March 2026! After headlines, we feature interviews with two HPF partners advocating for their communities during this legislative session: First, Cameron Miyamoto (co-president of PFLAG Oʻahu) shares about PFLAG Oʻahu's participation in the 2nd annual Queer Day at the Capitol on February 17 and about HB 1875, a bill to protect access to gender-affirming care. To learn more about PFLAG Oʻahu, check out our full-length interview with the two co-presidents here. Second, we hear an update from Anne Frederick, executive director of the Hawaiʻi Alliance for Progressive Action (HAPA), and their focus on two legislative areas: getting money out of politics and protecting communities from pesticide drift. To see the data on pesticide use and learn more about the Safe Farms, Safe Food coalition, visit safefarmssafefood.com. To learn more about HAPA, check out our full-length interview with them here. Links from headlines: To see when our partners are hosting workdays and how to RSVP, visit hawaiipeoplesfund.org/calendar. The survey on traumatic brain injury uplifted by Kamāwaelualani can be found here. Mahina ʻŌlelo Hawaiʻi episodes: 98. ʻĪmaikalani Winchester (Lā Hoʻihoʻi Ea Honolulu): "Hāpai i ke kuleana" 97. Pualiʻi Rossi (I Ola Wailuanui): "He aha ka makemake o ka ʻāina ʻo Wailuanui?" Tags: Hawaiʻi, Hawai'i, Hawaii

AM Best Senior Associate Editor Renee Kiriluk-Hill examines how Hawaii's homeowners insurers are responding to catastrophic wildfire losses with steep rate increases, tighter risk selection, and strategic decisions that may foreshadow trends in other catastrophe-exposed states.

“If the King Attacks the Persians, He Will Destroy a Great Empire,” (ha! “it will be yours” quips Delphic Oracle) Offering this essential book in our Fund Drive, as a reciprocal blessing for pledging www.kpfa.org Spookily pertinent to now! Replaying portions of Caroline's March 13, 2008 interview — Where there is Mars – Let there be Venus! May Americans know history!   Caroline welcomes Stephen Kinzer, whose splendid book, “All the Shah's Men,” just out in paperback, and including an urgent hyper-pertinent preface, “The Folly of Attacking Iran,” is a book truly that all Americans (certainly candidates) should read. Delineating not only the 1953 American coup that overthrew the democratically elected Mohammed Mossadegh, and installed the Shah, this book provides us with Venus, historically informed reverent intimacy with a rich culture, whom we all would do well to understand and ally with its long desire to have truly just leadership. Stephen Kinzer is an award-winning foreign correspondent who has worked in more than fifty countries. He has been New York Times bureau chief in Istanbul, Berlin, and Managua. His books include “Overthrow: America's Century of Regime Change from Hawaii to Iraq.”   And weaving clips from Omid Safi, allying with the rich traditions of Iranian culture, inter-woven with the guiding astro*animism of now …. Preserving humanity (our own & Iranian friends)     The post History, Culture, Empathic Kinship  appeared first on KPFA.

Join Psychic Medium Cari Mugz as she talks about her trip to Hawaii and the importand lesson Spirit taught her. Cari Mugz Instagram: @spirit.medium.carimugz FB Page: Psychic Medium Cari Mugz Website: https://www.carimugz.com/ #cariconnects #carimugz #psychicmedium #mediumship #weeklyreading #cardreading #cardoftheweek #idahofalls #mediumidahofalls #psychicmediumidaho #bestmediumidahofalls #spiritualgrowth #spiritguides #awakening #psychicsofidaho 

Maui County Councilmember Gabe Johnson, who represents Lānaʻi, discusses the first affordable housing project to be built on the island in over 35 years; Kauaʻi County Councilmember Fern Holland provides an update on immigration raids that took place on Kauaʻi in November

Sometimes we imagine that happiness will arrive when everything finally looks perfect—when we're in the right place, the weather is beautiful, and life unfolds exactly as planned. But the truth is, even in paradise, not every day is going to be sunny. In this heartfelt episode, Candace reflects on a text conversation with her dad while her parents were spending time in Hawaii. Despite being somewhere most people dream about, the weather had been anything but ideal—rainstorms, flooding, and long stretches without sunshine. That moment sparked a deeper realization: life can place us somewhere beautiful, yet still bring storms. Candace explores the idea that joy isn't something reserved only for the perfect days. The real practice is learning to find small pockets of light—even when things aren't going as expected. Whether you're in paradise, in the middle of a difficult season, or simply having an off day, there is always the possibility of discovering something meaningful within the moment. Because sometimes the most powerful shift isn't waiting for the sun to come out—it's learning how to dance in the rain.

A Honolulu Police Department commander was demoted this week after being accused of sharing confidential information about a teen sexual assault victim, including the girl’s name and other personal details. Meanwhile, some West Maui residents are opposing a proposal by Hawaii Water Service to raise water rates by 59 percent.See omnystudio.com/listener for privacy information.

The government is alleging new toxic exposure in the years-long battle over the Red Hill fuel leak. Mayor Rick Blangiardi signs Bill 60, clearing a path for Skyline to reach UH Manoa. Top Pentagon officials say America's fight in the Middle East is far from over, and the White House has not set an end date.See omnystudio.com/listener for privacy information.

A demotion amongst the upper ranks of HPD. What a 37-year veteran of the force is accusing. Military service members are battling the government over illnesses after the Red Hill fuel leaks, latest on the saga. What is the State of Maui County? Mayor Biseen will deliver his annual address to the public tonight.See omnystudio.com/listener for privacy information.

President Trump announced today that Kristi Noem's time as homeland security secretary will be over at the end of the month. On Maui, a judge has ruled in the case of a Hawaii musician's alleged use of illegal fireworks on New Year's Eve. And the U.S. government now claims that toxic exposure for military members during the 2021 Red Hill fuel leak disaster was connected to their military service, but service members who are suing the government say that's not true.See omnystudio.com/listener for privacy information.

More U.S. bombers are arriving in the Middle East, according to the Secretary of Defense Pete Hegseth. The mother of a man accused of slashing a Honolulu police officer's throat says he has been struggling with mental health. The state recently saw its first conviction for habitually driving without a license under newly enhanced penalties. See omnystudio.com/listener for privacy information.

This week on The Lexy Show, we're diving into the world of Cheeki Swim, a Hawaiian‑born swimwear brand that blends handmade craftsmanship, sustainability, and island‑inspired style.  Founded by Gigi Scholbi in Oahu, Cheeki Swim creates each piece with care, using recycled and deadstock materials to make custom, unique swimwear that channels the energy of the islands. We'll explore how Cheeki's commitment to slow fashion pushes back against the fast‑fashion norm, offering sustainable swimwear that doesn't compromise on style. From Gigi's journey of building the brand from a dorm room dream to real‑world collections, to why sustainable swimwear is more important than ever, this episode is a refreshing take on how we can look good and feel good about our choices. If you're into ethical fashion, beach vibes, or just a good story about passion and purpose, this episode is for you. 

We Hisessions Hawaii Podcast Episode #251 - Takehiro Hira - "Actor" by Hisessions

Hello and welcome to The Relatable Voice Podcast. Today, we are heading to Maine to talk with Samuel Clark. Samuel is a student and a writer whose life is a unique blend of discipline and creativity — balancing Exercise Science studies with building fictional kingdoms filled with leadership, love, and legacy. His fourth book, The Eternal Tide, part of the Secrets of Hawaii series, is out now. Find out more at https://samuelrwclark.com/

GPS jamming hits the Strait of Hormuz. An Iran linked threat actor uses AI to target Iraqi government officials. Hacktivists leak thousands of DHS contract records. A Hawaii cancer center suffers a data breach. Google patches over a hundred Android vulnerabilities. A new report tallies the scale of third party breaches. An MS-Agent AI framework flaw allows full system compromise. On today's Threat Vector segment, Evan Gordenker, Director of AI Security and DPRK Operations at Unit 42, joins David Moulton to unpack North Korea's hiring scams. Tire tech turns tattletale.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest North Korea has turned your hiring pipeline into a revenue machine. And most organizations have no idea. Evan Gordenker, Director of AI Security and DPRK Operations at Unit 42, joins David Moulton on today's Threat Vector segment to unpack how this operation actually works. Listen to their full conversation to get more detail and catch new episodes of Threat Vector every Thursday on your favorite podcast app. Selected Reading Attacks on GPS Spike Amid US and Israeli War on Iran (WIRED) Amazon: Drone strikes damaged AWS data centers in Middle East (Bleeping Computer) Iranian Cyber Threat Actor Targets Iraqi Government Officials in AI-Powered Campaign (Infosecurity Magazine) Hacktivists claim to have hacked Homeland Security to release ICE contract data (TechCrunch) UH Cancer Center data breach affects nearly 1.2 million people (Bleeping Computer) Android gets patches for Qualcomm zero-day exploited in attacks (Bleeping Computer) Chrome Gemini panel became privilege escalator for rogue extensions (The Register) Huge “Shadow Layer” of Organizations Hit by Supply Chain Attacks (Infosecurity Magazine) Vulnerability in MS-Agent AI Framework Can Allow Full System Compromise (SecurityWeek) Researchers Uncover Method to Track Cars via Tire Sensors (SecurityWeek) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Picking between the Big Island and Kauai sounds simple until you realize one wrong choice can eat your whole budget, your driving days, and your sanity.Big Island vs. Kauai FREE Decision GuideThese two islands could not be more different, and for Hawaii travelers trying to make the most of one week, the gap between a great trip and a frustrating one often comes down to this single decision.

Born in 1937, Mickey Muñoz moved from New York to Los Angeles at age six, started surfing at age 10, and swiftly found Malibu's First Point. He became one of the top surfers out there, and made friends with the regulars—Joe Quigg, Matt Kivlin, Miki Dora.  Muñoz eventually moved to Hawaii, where he rode Waikiki and worked restaurant jobs to get by. He soon found his way out to the North Shore, which was a new frontier at the time, becoming part of the pioneering crew at Waimea Bay. Muñoz appeared in the new Surfer magazine in 1960, riding at Malibu with Dora and Mike Doyle, all three on the same board, as well as doing the first ever "Quasimoto," a head dip with the front arm aimed forward. Muñoz competed in and won contests, among them the Tom Morey Invitational noseriding event, in 1965, for which the prize was a whopping $750. He shaped surfboards for Hobie, got deep into sailing and catamarans, and brought what he'd learned on the open seas to wave-riding and board design. He wrote a memoir, No Bad Waves: Talking Story with Mickey Muñoz, published in 2011. But Muñoz's legacy is as much about simply living and perpetuating the joy of the surfing life as it is about benchmarks or achievements. And he's still doing it, at age 87. In this episode of Soundings, Muñoz talks with Jamie Brisick about Malibu's golden age, experimenting with shorter boards, early days on the North Shore, riding Waimea, modern performance surfing, riding waves into his eighties, and Miki Dora.   Presented by Rainbow® Sandals. Produced by Jonathan Shifflett. Music by PazKa (Aska Matsumiya & Paz Lenchantin). Become a TSJ member at surfersjournal.com.

Episode Description The world changed fast — and travelers are feeling it. Shawn and Mark break down what's happening in the Middle East, why Dubai went from "safe luxury playground" to diverted flights overnight, and what experienced points travelers should know about navigating global instability. Plus: anti-American sentiment abroad is real, and Shawn shares what it was actually like traveling during the other contentious periods.   Then — Atlantis vs. Comfort Suites Nassau, Bermuda, Hawaii, and why you should SERIOUSLY consider booking dream trips now before they get ridiculously expensive. 0:00 Welcome to MTM Travel 0:40 Traveling in the current world - Is it safe? 3:40 Travelers are susceptible to instability 6:46 What is the future of Middle East tourism 10:09 Being prepared for anti-American attitudes while traveling 16:53 Reconsidering travel plans, staying safe & opening our minds 19:21 Are "dream" vacations getting out of reach even with points? 22:24 Atlantis points hack, debating Bahamas & Atlantis recovered? 28:00 Bermuda vs Bahamas come on pretty mama Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Kettle Chips: Cameron Healy. The Wild Bet That Made a BrandMost founders expand the “right” way: local → regional → national → international.Cameron Healy totally skipped the “national” part. When Kettle Chips was still an upstart regional brand, Cameron made a move that seems almost reckless: he launched his thick-cut, kettle-cooked chips to the United Kingdom — one of the most competitive “crisps” markets on earth — before conquering the U.S.And that wasn't his first risky move. Before Kettle, Cameron was a turban-wearing Sikh entrepreneur in 1970s Salem, Oregon, building a natural foods business…until he was abruptly fired. He started again from scratch with a $10,000 bank loan. Inspired by the extra thick, crunchy potato chips that he sampled on a trip to Hawaii, he taught himself how to fry sliced potatoes through trial-and-error. Then, just as Kettle started taking off overseas, another trip to Hawaii sparked a second act: Kona Brewing — a craft beer brand that initially lost $20K a month — for years — before Cameron was able to make it work.Meanwhile, buoyed by its UK success, Kettle chips eventually spread across the US, becoming the top-selling natural chip in the country. What you'll learnThe hidden details (like cooking-oil quality control) that can make or break a chipHow curiosity about British “crisp” culture fueled a risky UK rolloutThe decision that turned Kona Brewing from a money pit into a scalable brandTimestamps07:21 — “You had to get up at 3 a.m.”: building a life in a Sikh community in Salem10:11 — Fired with four kids and no severance: the moment Cameron is forced to rebuild12:04 — The $10K loan (helped along by the offer of ski passes)14:06 — The 1980 peanut crop gamble that suddenly capitalized Cameron's business23:14 — “Pot Chips” was the original name…until friends told him how bad it was24:48 — Hand-feeding potatoes into vats of oil: inventing a process with zero playbook29:10 — The Safeway disaster: rancid oil, a rejected order, and demand evaporating overnight31:52 — The car crash that jolted Cameron out of despair46:35 — UK word-of-mouth “switches on”--with an extra boost from Lady Di56:03 — Kona Brewing bleeds money…until one decision turns things around***Hey—want to be a guest on HIBT?If you're building a business, why not get advice from some of the greatest entrepreneurs on Earth?Every Thursday on the HIBT Advice Line, a previous HIBT guest helps new entrepreneurs work through the challenges they're facing right now. Advice that's smart, actionable, and absolutely free.Just call 1-800-433-1298, leave a message, and you may soon get guidance from someone who started where you did, and went on to build something massive.So—give us a call. We can't wait to hear what you're working on.***This episode was produced by Casey Herman with music composed by Ramtin Arablouei. It was edited by Neva Grant with research help from Rommel Wood. Our engineers were Robert Rodriguez and Kwesi Lee.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   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  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com