Podcasts about helped

#278 A client recently asked me, “What helped you turn your finances around?” It got me thinking… In this episode, I'm sharing the 3 biggest game-changers that took me from financial chaos to clarity including how I paid off nearly $500K in debt, grew my business, and created more peace for my family. Here's what you'll learn: Why taking ownership was the first real step forward The simple systems that made my finances easier to manage How focus became my unfair advantage No fluff. Just real talk, real strategies, and real encouragement.

Walking can deliver a lot of powerful benefits...even during the most challenging seasons of life. During today's ten-minute walk, Dave shares Veronica's story.Download your free fitness chain tracker that can help you build a walking habit that lastsSupport Walking is Fitness with a virtual coffeeCheck out the Walking is Fitness store for items to make walking more fun and effective.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I was over $100,000 in debt — and it didn't happen overnight.Bad decisions, chasing too many things at once, and thinking that working harder would magically fix everything.It didn't.In this episode, I break down exactly what helped me dig out of that hole — the real advice that punched me in the gut and made me wake up.This episode is brought to you by:The Look Great Naked Protocol: Our flagship coaching program to help you look great naked without living in the gym.Apply here:Men: https://bachperformance.com/coaching/Women: https://bachperformance.com/coaching-women/Triple Threat Muscle: https://bachperformance.com/3xmuscle

r amithejerk? where WIBTA if I refuse to transfer shares in an apartment I inherited to my Aunt according to a deal she had with my late mother 16 years ago? AITA for continuing to take my neighbor's cats to the shelter? AITA for taking off my shirt in front of my daughter's friends because I was having a hot flash ? AITA for pulling our neighbors dog away from our baby when it wasn't listening to the owner? AITA - My parents live overseas and visit / stay each Christmas. Someone they know from their church also wants to stay with us AITA for saying no? AAITA? A prior tenant keeps showing up to my home banging on the door and honking.... ITA for taking our house key with me and letting my roommate out? AITA for asking my mother-in-law please stop sending me cake ? AITA for picking a dinner my girlfriend didn't like while playing a game? AITA for packing my roommate's stuff when she's supposed to be moving out in three days ? Hosted on Acast. See acast.com/privacy for more information.

Matt Spiegel and Laurence Holmes listened and reacted to Cubs right-hander Cade Horton explain during an appearance on Hit & Run how being a high school quarterback helped him become a big league pitcher.

After setting the stage by understanding producer Felton Jarvis's career leading up to his early collaborations with Elvis, we continue to investigate and interrogate the fan belief that he was singularly to blame for the "syrupy" overdubs that diminished the "pure" unfinished tracks. Helped along by a 1980 interview done between Felton and Jerry Flowers of RCA in which the producer talks about his career retrospectively, Justin and Bec trace Felton's journey as Elvis hires and hand-picks him to be his exclusive producer, taking Felton away from RCA and other artists so that Elvis can, as a largely autonomous artist whose only studio commitments during this decade are to send periodic deliverables to RCA, work at his own pace and create the kind of recordings that he truly wants. But was Felton truly to blame for the overindulgent strings and horns that were added to Elvis's music, or is there someone else that we've collectively overlooked? And has the narrative been all wrong and the way we even talk about "overdubs" been clouded by a widespread "rockist" misunderstanding of both Elvis and Felton, their respective jobs and tastes, and misunderstood expectations of the kind of music both fans & critics thought Elvis "should" be making?  The duo examine Elvis's live performances in relation to his studio work, touch on a few more non-Elvis records produced by Felton, and even revisit the 1981 "Guitar Man" project Felton spearheaded before his early death to see if it provides clearer insight into the producer's preferences and tastes. For Song of the Week, Bec makes a promise that "It Won't Be Long," covering the recording cut from "Double Trouble," while Justin goes prospecting because he's pretty sure "There's Gold in the Mountains" still to be dug up from "Kissin' Cousins." Some of the resources consulted for this and the last episode included, even if not quoted or mentioned in the final episode: Felton Jarvis's 1980 Interview with Jerry Flowers of RCA William Bozeman: "Felton Jarvis: The Man Behind the Music" from Elvis Express Magazine Peter Guralnick: Careless Love: The Unmaking of Elvis Presley Roben Jones: Memphis Boys: The Story of American Studios Rick Hall: The Man from Muscle Shoals: My Journey from Shame to Fame Norbert Putnam: Musical Memories, Volume 1 Ernst Jorgensen: Elvis Presley - A Life in Music Ernst Jorgensen & Peter Guralnick: "Elvis Day By Day" and "The Complete Masters" Ernst Jorgensen, Johnny Mikkelsen & Erik Rasmussen: Reconsider Baby: The Definitive Elvis Sessionography Elvis Music FAQ by Mike Eder Alanna Nash: "Revelations from the Memphis Mafia" & "The Colonel" Luther Moore: "Felton Jarvis Re-Appraised" from Elvis: The Man & His Music magazine Brian F. White's Interview with Norbert Putnam: https://www.brianfwright.com/interviews/norbert-putnam Michael Nesmith: Infinite Tuesday - An Autobiographical Riff TapeOP's Interview with Chip Young: https://tapeop.com/interviews/124/chip-young Various reviews, articles, editorials, and interviews compiled from across Elvis Australia, Elvis Information Network, Elvis-History-Blog, Elvis Monthly, Strictly Elvis, Arjan Deelan as well as Discogs, KeithFlynn.uk, Elvisconcerts.com and other resources online.

(00:00) More likely Chiefs get better or worse? (11:50) Stories to start your morning (27:28) Travis Kelce talks Travis Hunter (43:32) Pick one: Chargers/Broncos, Wilson/Dart, Chestnut/Tiger (59:20) Terry McLaurin contact issues, Jets safety on Fields (01:13:20) Kelce breaks down his play last season (01:20:26) Small story, big deal (01:26:33) Craig explains how he helped Coach Mangini become an NFL coach Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, I'm sharing the full, unfiltered story of my 8-week aggressive cut—how I dropped 16 pounds for a photo shoot and came out of it with more than a leaner body.I'll walk you through the highs, the hard days, the re-feeds, and the mindset shifts that surprised even me. What started as a fat loss goal became a complete reset of my eating habits, daily routines, and relationship with food. This process rewired what I crave, how I plan meals, and how I feel in my body.If you've ever wondered whether a short-term, high-discipline approach could actually create long-term change, this one's for you.

Not sure if you want kids or wondering what life is like on the other side? In this heart-to-heart, I share what helped me make my decision to become a mom while running a freedom-based business and living around the world. Tune in!  

Gamble & Huff, Philadelphia International Rock & Soul ClassicCharlie Ingui,  Original Lead Vocalist still records & tours  go check him out! ~ thesoulsurvivors.comR.I.P. Ritchie Ingui, original vocal half of the Soul Survivors. He transitioned in early 2017.Original group member Kenny Jeremiah Transitioned in December of 2020.Memorable Intro, AWESOME Classic Hit, a Kenny Gamble &Leon Huff hit that Helped launch the Legendary Philadelphia International Record Label.I am a Music Lover of All Styles, Generations. This Week I Flashback.......The Soul Survivors, originally from New York City, grew up listening to the R & B groups of the 1950's. The sounds of groups like the Moonglows, Heartbeats, and Frankie Lymon and the Teenagers had a great influence on brothers Charlie and Rich Ingui. With various street corner groups, they developed their vocal skills. While in high school, Charlie joined the vocal group from Queens, N.Y. the Dedications. When, a year later the group's lead singer decided to leave, brother Rich was recruited. While performing at clubs in the New York area, they found themselves at the mercy of various house bands and decided to find a group of musicians who would become permanent members of the group therefore creating a self contained unit. The group would be renamed THE SOUL SURVIVORS.Shortly thereafter, the group began to build a strong following, playing venues in Atlantic City and Philadelphia. Enjoying great success in Philadelphia, they attracted the attention of record producers Kenny Gamble and Leon Huff. Into the recording studio they went, emerging with " Expressway To Your Heart " a song that would climb to #3 on Billboard's R&B chart and #4 on it's Top 100 list. The success of " Expressway " became Gamble and Huff's first "crossover" hit when it began to be played on both black and white radio stations. It's success enabled Gamble and Huff to reach the large audiences they sought in order to bring their " Sound Of Philadelphia " to the mass Market. In polls taken by both the Philadelphia Inquirer and Philadelphia's City Paper, " Expressway" was voted the number one record ever to come out of Philadelphia. "Expressway " was followed by two other chart records, "Explosion In My Soul" and " Mission Impossible". Their first album, released in 1968, was " When The Whistle Blows ". A second LP, on Atco Records, called "Take Another Look" appeared in 1969.During this time, the group toured extensively throughout the U.S. appearing with many different types of artists...everyone from Jackie Wilson, Smokey Robinson and The Miracles to Janis Joplin, the Beach Boys, Buffalo Springfield, Sly and the Family Stone and countless others. In 1974, the Soul Survivors reunited with Gamble and Huff to record their self titled album "The Soul Survivors" on TSOP Records. It was written and performed in a style that would define the unique sound of The Soul Survivors.The album produced "City Of Brotherly Love" which would show up on Billboard's R&B Top 100 and become the group's fourth charted outing.© 2025 All Rights Reserved© 2025  Building Abundant Success!!Join Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23baAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

As Jesus spends his final moments with his disciples, he gives them the sobering warning that they will be hated by the world. But despite the persecution they will face, they can take heart because Jesus will be sending them the Holy Spirit. The Holy Spirit will be their "Helper" as He convicts the world towards repentance, guides disciples into a deeper understanding of the Gospel, and transforms sorrow into indestructible joy. As such, disciples of Christ should respond to the hatred of the world, not by avoiding or attacking or accommodating to the world, but by being witnesses to the world as they are empowered by the Holy Spirit.

These three simple things will help you make big change but through small moments. They don't demand huge action from you but rather making different decisions, shifting your perspective a little and leaning closer to the path you want to follow. ••• Instagram @simpleintentional Read www.simpleintentional.com Want more support? Work with me one-on-one! Reach out at hello@simpleintentional.com

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Adam joins us to talk about the Psychology of Coaching by Thomas Tutko and Jack Richards. Hear how this book has helped him grow as a coach and a person.Welcome to Gill1918, the track & field coaching podcast powered by Gill Athletics. Since 1918, Gill has been dedicated to empowering coaches with innovative equipment—now, we're bringing elite coaching education straight to your ears.Our goal is to create the Ted Talks of track/field podcasts bringing the annual track clinic to your ears DAILY! Topics will include but are not limited to covering key strategies, techniques, and training principles to help you improve athlete performance, structure better workouts, enhance team culture, and more!Whether you're a high school, collegiate, or club coach, Gill1918 is your go-to resource for quick, high-impact coaching education from the best minds in the sport.

This week, we're spotlighting two incredible TV writers whose journeys were meaningfully shaped by the Austin Film Festival. Sylvia Batey Alcalá (A MAN ON THE INSIDE, PRIMO) and Mac Smullen (SOUVENIR, ALASKA) share how AFF helped get their names out there —building momentum, sparking connections, and opening doors that had long felt closed. But a festival isn't the finish line — it's the starting gate. Sylvia and Mac walk us through the real (and rewarding) work it takes after recognition: rewriting, building reps, pitching, and staying ready for the moment when things start to move. It's a candid, thoughtful, and energizing conversation about what breaking in looks like today — and how festivals like AFF can help writers get in the game. Learn more about your ad choices. Visit megaphone.fm/adchoices

Virgil Abloh was a boundary-breaking designer who made streetwear luxurious and luxury feel accessible. Abloh was the first Black artistic director at Louis Vuitton and the visionary behind Off-White. Beyond the runways, he built bridges between worlds that rarely touched. Geoff Bennett sat down with Robin Givhan, who traces the deeper meaning behind Abloh’s work in the new book, "Make It Ours." PBS News is supported by - https://www.pbs.org/newshour/about/funders

Google's Gemini AI Ultra subscription, now with Veo 3 AI video generator, just got a power-up with new dialogue voice-over and sound design capabilities. Learn how to generate AI videos with text prompts using scripts, cinematic controls and sound design using the Google Gemini interface and Google's new Flow platform for video creatives.

If you've been focusing on gut or thyroid health but haven't given much thought to stress, this is worth checking out.Based on personal experiences and clinical patterns I've seen, chronic stress plays a bigger role than people realize. It's not about eliminating stress completely— (because that's not always realistic), but understanding how it might be affecting your body and what you can do to better support your system. I also share a few simple, practical ideas that might help, especially if things feel a bit stuck.If progress feels slow despite your best efforts, I really encourage you to give this one a listen. It could shift the way you think about your healing path.Episode Timeline: 0:00 – Intro to the Question0:07 – My Personal Wake-Up Call with Stress0:16 – How Stress Impacts Thyroid Function0:38 – Low sIgA, Leaky Gut, and Autoimmunity1:45 – Stress, Immune Dysregulation, and Autoimmune Risk3:20 – Emotional vs. Physical Stressors3:56 – Starting a Daily Stress Routine4:40 – Sleep and Talking to Someone5:05 – Helpful Apps and Tools for Stress5:40 – Overtraining and Ignoring the Body's Signals5:59 – Final Thoughts6:20 – Episode OutroFree resources for your thyroid healthGet your FREE Thyroid and Immune Health Restoration Action Points Checklist at SaveMyThyroidChecklist.comHigh-Quality Nutritional Supplements For Hyperthyroidism and Hashimoto'sHave you checked out my new ThyroSave supplement line? These high-quality supplements can benefit those with hyperthyroidism and Hashimoto's, and you can receive special offers, along with 10% off your first order, by signing up for emails and text messages when you visit ThyroSave.com. Do You Want Help Saving Your Thyroid?Click Here  to access hundreds of free articles and blog posts.Click Here for Dr. Eric's YouTube channelClick Here to join Dr. Eric's Graves' disease and Hashimoto's groupClick Here to take the Thyroid Saving Score QuizClick Here to get all of Dr. Eric's published booksClick here  to work with Dr. Eric Do You Want Help Saving Your Thyroid? Access hundreds of free articles at www.NaturalEndocrineSolutions.com Visit Dr. Eric's YouTube channel at www.youtube.com/c/NaturalThyroidDoctor/ To work with Dr. Eric, visit https://savemythyroid.com/work-with-dr-eric/

I somehow ended up telling the story of the time I ended up with a colostomy bag for 3 months and how I used it to terrorize my friends

In this inspiring episode of Heal Yourself with Sarah Dawkins, I sit down with Beverly Shatliff, founder of Green Tree Holistics, who shares her remarkable story of naturally healing an overactive thyroid, not once, but twice, without long-term medication.Beverly, a Reiki Master, award-winning coach, advanced holistic therapist and open-water swimmer, opens up about how she listened to her body, addressed unresolved stress, supported her adrenal glands and used powerful holistic practices like kinesiology, nutrition and mindset work to return to full health.We talk about:✅ Beverly's journey of healing hyperthyroidism without medication✅ The emotional and energetic root causes behind thyroid issues✅ How stress impacts the adrenal-thyroid connection✅ Natural ways to support thyroid health and nervous system regulation✅ The power of belief, nutrition, and getting to the root cause of illnessThis episode is a must-listen if you're:

Join Clean Biz Network for the special price at this link!https://www.cleanbiznetwork.com/check...Join this channel to get access to perks:   / @ajsimmonsonline  Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsLet my lead generation company to set bid appointments for you! Click here https://www.cleanbizleads.comFollow: @AjSimmonsOnline on Instagram   / ajsimmonsonline  Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Need Business Credit? Apply at this linkhttps://americanexpress.com/en-us/ref...Thank you for watching, subscribing, liking, sharing, and commenting!!!!

Google's Gemini AI Ultra subscription, now with Veo 3 AI video generator, just got a power-up with new dialogue voice-over and sound design capabilities. Learn how to generate AI videos with text prompts using scripts, cinematic controls and sound design using the Google Gemini interface and Google's new Flow platform for video creatives.

Join us on Spaghetti on the Wall episode #252 as we welcome Doug C. Brown, CEO of CEO Sales Strategies and a globally sought-after expert in sales revenue and profit growth. Doug has helped powerhouse companies like Intuit, CBS, and Procter & Gamble massively scale their sales performance. From boosting division sales by 864% with Tony Robbins to training the top 1% of sales producers, Doug brings unparalleled insight into what it really takes to grow with purpose and profit.

The 8am hour of Wednesday's Mac & Cube kept on with determining if Louisville should be considered a southern city & the cost calculation of a grilled cheese sandwich; then, Charlie Potter, Senior Team Writer for BamaOnLine & On3, tells us why Ty Simpson should have a boost of confidence heading into 2025 & what piece of the offense Charlie feels better about; later, Greg reveals why the Manning Passing Academy gave him a lot of confidence ; and finally, the guys would love to have a listener just read something in his velvety voice. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Smartphones are now ubiquitous, and although they offer many benefits, they can also become a source of anxiety. Worrying about responding to notifications, the feeling of being constantly available, and coming across triggering content on social media are just a few causes. In this episode, I'm sharing the exact ways I set up and use my phone to feel calmer, more focused, and less reactive. You'll learn simple changes to reduce mindless checking, set clear boundaries, and use your phone in a way that actually supports your mental health.   In this episode, you will learn: How compulsive phone use feeds anxiety (especially for high-achievers) The exact setup I use to support calm, clarity, and presence Practical tips and mindset shifts to structure your phone more intentionally   Mentioned in episode: Digital Minimalism by Cal Newport How to Break Up With Your Phone by Catherine Price Newsfeed Eradicator Browser Plugin (Chrome/Firefox) ScreenZen App: https://www.screenzen.co/   My favorite phone apps:

Youth violence has fallen in Wyandotte County, in part due to the ThrYve program. Barry Anderson took part when he was a student at Wyandotte High School, and credits the program with teaching him basic life skills necessary to attend the University of Kansas.

It wasn't easy to get caught on video making a campaign gaffe in 2007, but John McCain pulled it off. The strange history of an impromptu song that helped derail his presidential ambitions. Plus, how Democratic Socialists in Phoenix are responding to Zohran Mamdani's primary victory.

In this episode, my aunt Cindy shares her 40-year journey with bulimia—and how letting go of shame changed everything. Even if you don't struggle with disordered eating, her story offers deep insight into how shame keeps us stuck and how healing begins when we bring our struggles into the light. This is a conversation about hope, freedom, and the power of sharing your story—at any age.Find show notes at bicepsafterbabies.com/371Follow me on Instagram and Tiktok!Links:Cindy Richardson's Website, Facebook, Instagram, and Tiktok

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

When Oregon lawmakers convened in January to kick off the 2025 legislative session, among their top legislative priorities was a transportation funding fix for the state’s aging bridges, highways and roads. But the Democratic supermajority failed to get a transportation package over the legislative finish line when the session adjourned on Friday night.    Democrats waited until the last month to unveil HB 2025, which would have generated nearly $12 billion over the next decade through a mix of taxes and fees, including hikes in the state’s gas tax and a new tax on vehicle sales. Republicans balked at the proposal, including several who had been working with Democrats on transportation funding.     Defections emerged among Democratic lawmakers as well, most notably from state Sen. Mark Meek, D-Gladstone, a member of the Joint Committee on Transportation Reinvestment. Senate President Rob Wagner, D-Lake Oswego, removed Meek from the committee on June 20 to boost the bill’s chance of passage. But on Friday, Democrats conceded they didn’t have the votes to pass it, and they had to abandon a last-ditch effort to raise the state’s gas tax by 3 cents to avert looming layoffs at the Oregon Department of Transportation.    Sen. Meek joins us to share his thoughts on the legislature’s efforts to tackle Oregon’s transportation challenges.  

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   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  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

In this episode of Unhooked, I share an insightful conversation with Coach Frank Rich from The Rebuilt Man Podcast. As Frank's first guest in his new Coach's Corner series, I discuss my personal journey from addiction to freedom, the establishment of Unhooked Academy, and the unique challenges men face in breaking free from porn addiction. We dive into the importance of community, the role of healthy shame, and the power of vulnerability. I also highlight my secular, mindfulness-based approach to recovery, contrasting it with faith-based methodologies. Don't miss this enlightening discussion packed with valuable insights for anyone struggling with or interested in overcoming porn addiction.

"Join Tina Tran in this video as she talks about why having a rental contract is crucial for protecting your business. She explains how a solid contract can help prevent misunderstandings, reduce risks, and ensure both you and your customers are on the same page. If you want to keep your rental business safe and running smoothly, this is a must-watch!"Download The Ultimate Checklist for Free:

In this episode, I'm breaking down the BRRRR Method — Buy, Rehab, Rent, Refinance, Repeat — and sharing my personal experience with this popular real estate investing strategy. From lessons I've learned to tips for each phase, I'm giving you a real-world look at how this method can help you build long-term wealth and passive income through rental properties. What You'll Learn: What the BRRRR method is and why it's so popular How I've personally used this strategy on my investment properties Tips for the “rehab” and “refinance” stages Pros and cons to keep in mind Use code Mycreativedays10 at Surf Prep Sanding: https://www.surfprepsanding.com?aff=42 Don't forget to subscribe and follow along — I'm sharing all the real-life strategies that help make this business work behind the scenes. _________________________________________________________________ Do you love decorating your home but have a small budget? My Creative Days shares creative ways to upcycle, repurpose, and DIY your way to a beautiful home on a budget. New video content is released every Wednesday and Friday, and shorts are delivered every day. Hit the SUBSCRIBE button and click the bell to be notified when new videos are launched! Thank you for sharing my channel with your family and friends. _________________________________________________________________ New to My Creative Days? Learn more about MCD here: https://www.mycreativedays.com/ Listen to the podcast: https://learn.mycreativedays.com/podcasts/my-creative-days Pin with me: https://www.pinterest.com/mycre8tivedays/ Join me on Instagram: https://www.instagram.com/mycreativedays/ Join me on FB: https://www.facebook.com/mycreative.days Grab MY FREE Guide - Thrifting For Your Home: https://learn.mycreativedays.com/newsletter Grab MY FREE E-Book: The Struggles of Furniture Flippers and How to Overcome Them: https://learn.mycreativedays.com/furniture-flipping-newsletter Want to learn how to flip furniture successfully and for profit? I created The Furniture Flipping Academy for you! Learn more here: https://learn.mycreativedays.com/academy Find more creative content to inspire you here: https://learn.mycreativedays.com/links ______________________________________________________________ Disclosure Statement: These links contain affiliate links. I will receive a commission for items purchased through these links at no extra cost. I appreciate your support. Please read all labels and follow all manufacturer safety recommendations when working with paints, stains, and other equipment, and wear and use appropriate personal protection equipment. Viewers should attempt these projects at their own risk. ____________________________________________________

In this episode, I sit down with Dr. Shan Nair, the visionary founder of Nucleus, a company that's revolutionized how businesses scale across borders. From helping Tesla navigate international expansion to supporting the growth of FaceTime globally, Dr. Nair shares his unmatched insights into global compliance, operational strategy, and the future of international business. If you've ever dreamed of taking your business worldwide, this episode is your playbook.Tune in to discover:The biggest mistakes companies make when expanding internationallyHow startups and scale-ups can go global without breaking the bankWhat it takes to build a business that transcends bordersThis is a masterclass in global entrepreneurship from one of the best in the game.

When Wendy's autistic daughter came home from school writing “I am not smart” on her papers, everything changed.Initially completely against homeschooling, Wendy faced a painful truth: the public school system was failing her child. With IEP accommodations ignored, concerning approaches to gender identity, and even medical decisions made without parental consent, Wendy reached her breaking point.She took education into her own hands.In this powerful episode of The Homeschool How To Podcast, Wendy shares:Why she walked away from the school systemCreative strategies like “grocery cart math” that made learning clickHow multisensory, movement-based learning helped her autistic daughter succeedHer bold stance: parents can educate neurodivergent children better than professionalsWhat the 6% independence rate for autistic adults means for her family's goalsWhether you're homeschooling a child with special needs, curious about alternatives to public education, or searching for hope in your parenting journey—this episode will challenge and encourage you.What is the most important thing we can teach our kids?HOW TO HANDLE AN EMERGENCY!This could mean life or death in some cases!Help a child you know navigate how to handle an emergency situation with ease: Let's Talk, Emergencies! -

It all started with one small change. He thought his DMS setup was fine—until he tweaked a phase-in criteria and suddenly realized how much he was missing. This week on the PartsEdge Podcast, we sat down with Zach Don, a Toyota parts manager who took that moment of chaos and turned it into a better system. He shares what broke, how he fixed it, and why he's now running a smarter, more controlled department. Zach also talks about bringing in team members with different backgrounds, the value of having a “co-pilot” on the reporting side, and how these changes are not only improving efficiency but making his conversations with upper management more impactful.Together, they explore how data-driven decision-making and personalized support have helped shift inventory from inactive to active, and freed up valuable time to focus on growing the business.Tune in for practical insights, relatable moments, and actionable tips for anyone looking to up their game in fixed ops and parts management!--------------------------------------------This show is powered by PartsEdge: Your go-to solution for transforming dealership parts inventory into a powerhouse of profitability. Our strategies are proven to amp up parts sales by a whopping 20%, all while cutting down on idle inventory. If you're looking to optimize your parts management, visit

 As we've been examining over the course of Country Week, country music has found a larger audience, in part by widening its sonic palette. For the final episode of this series, we take a look at a genre on the outskirts of country – Americana music – and how it's being used to connect to the scene's musical roots.   Historically, Americana has embraced an acoustic sound, traditional repertoire, and an appetite for virtuosic technique. In bluegrass artists like Billy Strings and roots musicians like Sierra Ferrell, Nate and Charlie see if there's an antidote to be found for the issues that plague modern, mainstream country music. Songs discussed: The Punch Brothers – Rye Whiskey Sierra Ferrell – In Dreams Dolly Parton – Jolene Sierra Ferrell – I Could Drive You Crazy Sierra Ferrell, Zach Bryan – Holy Roller Billy Strings – Dust in a Baggie Billy Strings, Willie Nelson – California Sober Tyler Childers – In Your Love Tyler Childers – Phone Calls and Emails Tyler Childers – Rustin' In The Rain Don Gibson – Oh, Lonesome Me Waylon Jennings, Willie Nelson – Mamas, Don't Let Your Babies Grow Up To Be Cowboys The Chicks – Long Time Gone The Steeldrivers – Higher Than the Wall Beyoncé – Texas Hold'em I'm With Her – Espresso Learn more about your ad choices. Visit podcastchoices.com/adchoices

We continue to profile the domestic leagues of the countries that have qualified for the 2026 World Cup, and now that Brazil will officially be in North America in 2026, it's time to take a look at their domestic soccer landscape. When did the national league first get established and how has it evolved over time? Why were there once 90+ teams in a single league campaign? What are the strongest clubs most recently? What are the obstacles the competition has overcome and what does the future hold in store? Plus. the major question: what role has the league played in helping shape the national team?WE HAVE A YOUTUBE CHANNEL!⁠⁠⁠⁠⁠⁠We're posting all our episodes here⁠⁠⁠⁠⁠⁠! Smash the like and subscribe etc.!JOIN THE TSS+ PATREON!Check out our Patreon, which houses bonus podcasts, access to our exclusive Discord, blog posts, videos, and much more. Hosted on Acast. See acast.com/privacy for more information.

Dr Boyce breaks down how much money is made from luxury brands using hip hop influencers.

“The murder happened, but her faith helped her see that even in the darkest valley, there is a light at the end of the tunnel.”- Jeanna Merilien   Jeanna Merilien is a speaker. 

In Episode 80 of Trade Splaining, we're pulling back the curtain on everything from secret sausage wars to how Apple helped build modern China. Along the way, we break down the increasingly blurry line between trade policy and geopolitics, why AI is now after your desk job, and how sober tailgates and millennial nostalgia are the new macro indicators. Special Guest: Patrick McGee, FT journalist and author of Apple in China, joins us to explain: Why Apple didn't just outsource manufacturing to China—it helped build it How a $55B investment strategy turned into a Marshall Plan for advanced manufacturing Why decoupling is harder than we think, and what it means for the future of globalization Also in this episode: Is trade policy dead—or just dressed up as national security? The AI job shock: not just repetitive tasks, but white-collar jobs too A big new EU–Switzerland trade deal (and an even bigger name: “The Bilaterals”) Listener feedback, airline mysteries, stolen sausage secrets, and the return of All-American Rejects

What if your brand didn't just support a cause — it was the cause? In this episode, I sit down with Shawn, who helped lead survival production for MrBeast and is now the founder of the Barbarian Foundation — a CPG brand built inside a nonprofit. Every dollar of profit goes straight to the Barbarian Foundation, supporting firefighters, veterans, and volunteers who step in when no one else does. We talk about: – What Shawn learned behind the scenes at MrBeast and Prime – Building a brand with real mission and trust – The shift from content to cause – Why CPG can be more than a margin game If you're building a brand or thinking about how to do it differently, this episode's for you.  

Send us a textIn this episode, I take you inside my experience of learning Internal Family Systems therapy while simultaneously navigating prostate cancer surgery and recovery during the fall and winter of 2023-24.Through audio diary entries recorded over three months, you'll hear my real-time reflections as I move through an intensive experiential training that forced me to find and confront parts of myself. From the corporate retreat center where it all began to the post-surgical reflections in my bedroom, these recordings capture the disorientation, insight, and healing that unfolded as I allowed myself to be both student and subject.This episode may be helpful for therapists considering IFS training or for anyone facing illness or supporting someone through health challenges.  It is the final episode in my five part series on my IFS level I training experience.This episode of Developing Meaning is produced by Dirk Winter and Caroline Hinton and brought to you by Consilient Mind LLC.  Developing Meaning is NOT AFFILIATED WITH ANY INSTITUTIONS and NOT CLINICAL ADVICE.Theme Music by The Thrashing Skumz.

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In this episode of America's Founding Series on The P.A.S. Report Podcast, Professor Nick Giordano uncovers the astonishing true story of James Armistead Lafayette, the enslaved double agent who outwitted the British and helped secure America's independence. Risking death to serve a nation that had yet to grant him freedom, James's intelligence work was pivotal to the victory at Yorktown, yet his legacy remains largely forgotten. Discover how one man's courage, deception, and loyalty shaped the course of history and exposed the deep contradictions of a revolution born in liberty. Episode Highlights How James Armistead infiltrated British General Cornwallis's camp and misled the enemy at a critical moment in the war The unlikely bond between James Armistead and Marquis de Lafayette changed the trajectory of his life The fight James waged after the war for the freedom he had earned but was still denied

Drug Smuggler. Fugitive. Icon. Meet The Acid Queen.

Hey hey, beautiful human! Today we're tackling a topic that I know is going to hit home for so many of you: Underecovery. What if the real reason you're constantly running on empty isn't just that you're doing too much — but that you're recovering too little? Because sister, underecovery is a real thing. And most women don't even know it's happening until their body forces them to slow down. So if you're tired of being tired… and you're ready to feel strong, energized, and in control of your body again, this one's for you.   What I discuss:   What underecovery actually is (and how it's different from just being tired) How it shows up in your day-to-day life and workouts The signs your body might be screaming for more recovery — not more effort Simple, real-life ways to build smarter recovery into your routine without overhauling your life   If you loved this episode, you'll also love… Episode 544: The Science of Recovery.    https://www.juliealedbetter.com/embrace-your-real/the-science-of-recovery If you want more from me, be sure to check out... Follow me on Instagram: @juliealedbetter | @embraceyourreal | @movementwithjulie Movement With Julie | App: https://sale.movementwithjulie.com/ Macro Counting Made Simple Online Academy: https://www.macrocountingmadesimple.com/ Website: www.juliealedbetter.com Get my eBook: FREE Macro Counting Ebook Amazon Storefront: Julie Ledbetter's Amazon Page