Podcasts about hoa

Attorney Luke Carlson explains how homeowners and investors can protect themselves from bad HOAs, understand their rights, and turn risk into opportunity.In this episode of RealDealChat, Jack Hoss sits down with Luke Carlson, founding attorney of LS Carlson Law and author of The Homeowner's Guide to Defending Against Bad HOAs, to uncover what every real estate investor and homeowner needs to know about HOA law.Luke shares how he became one of the nation's leading voices for homeowner rights, the psychology behind “bad boards,” and how to protect yourself when an HOA turns rogue. He also explains why most people misunderstand HOA power, and how smart investors can turn that complexity into opportunity.Here's what you'll learn in this episode:The biggest misconceptions homeowners have about HOAsHow to identify “bad board” personalities before buyingWhen and how to push back legally against an HOAThe difference between fiduciary duty and selective enforcementDue diligence steps every investor should take before buying in an HOAHow new legislation is limiting HOA fines and abuse in CaliforniaSimple ways to assess HOA financial health and riskWhy empathy and professionalism matter when dealing with conflictStories of real homeowners who fought back and wonHow AI and automation are reshaping legal research and HOA law

Norm takes a long, exasperated look at what used to be the pride of the NFL — the NFC East — and now looks more like a neighborhood HOA argument with shoulder pads. The Eagles can't stop anyone, the Commanders forgot how to command, the Giants exist (barely), and Jerry Jones is out here celebrating 83 with optimism so strong it might need to be drug-tested.But Norm doesn't stop at the gridiron. He pivots to the Mavericks, where predictions are as shaky as Kyrie's return date and everyone's pretending Klay Thompson is still Klay Thompson. Through stats, sarcasm, and a lifetime of knowing better, Norm dissects how Texas sports teams always manage to make things… interesting, if not good.Because when the Cowboys' best defensive play is Jerry's public relations, and the Mavericks' best hope is a teenager named Cooper, you just have to laugh — and then wonder, as Norm does, what on earth happened to winning. ⏱️ Chapters00:00:05 –

Lo is joined by real estate strategist Scott Harris, whose decades of experience and new boutique approach to brokerage reshapes how buying and selling should feel. Scott, having brokered nearly $2 billion in NYC properties and recently founding Magnetic, unpacks the biggest mistakes buyers make today, how to reframe beliefs like “I'll never own a home,” and the four-step “Magnetic Method” (Activate → Align → Amplify → Attract) he uses to help clients land properties they truly love.Scott shares the most misunderstood step in his method and digs into why so many people get stuck there. He walks through a “mission impossible” transaction from his NYC career and reveals the pivot that made it happen. The conversation also explores how to balance your dream home wishlist with what's realistic, and why sometimes a “starter home” is the smarter move. For women or people buying solo, he highlights unique negotiation, financing, and mindset hurdles and how to coach past them.You'll also learn the invisible costs most buyers forget (maintenance, taxes, inflation, HOA, renovations), and discover what gives one buyer the edge in an offer war that isn't just about money. In closing, Scott offers concrete steps listeners can take 6–12 months ahead of a purchase to set themselves up for success.Whether you feel like the market is stacked against you or you're just curious how to bring more intention into your home search, this is a guide for confident, heart-forward real estate — not just transactions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Peter Lohmann's Podcast, I'm joined by DD Lee, former owner of Skyline Property Management, now Industry Liaison at PURE and President-Elect of NARPM National.DD shares her path from managing 12 personal rentals to running a 500-door PM company with a 3,000-door HOA division, and what it was really like to sell that business to PURE. We get into the emotional side of selling (“detach” became her mantra), how HOA management differs from single-family, and what she's focused on now as NARPM transitions into its “2.0” era.If you've ever thought about selling your management company, navigating NARPM leadership, or just trying to scale without burning out, DD's story will hit home.Chatpers:(00:00:00) - Intro(00:01:39) - DD's career and background(00:03:59) - Challenges and differences in property management(00:07:40) - HOA management(00:10:10) - NARPM involvement and designations(00:12:57) - Sponsor - PropertyManagement.com(00:14:53) - NARPM leadership and election process(00:17:18) - NARPM 2.0 and organizational changes(00:25:32) - Comparing small business to NARPM(00:30:50) - Continuing education and licensing challenges(00:32:14) - Sponsor - Rentvine(00:33:35) - The emotional journey of selling a property management company(00:38:26) - Detachment and transitioning after the sale(00:42:23) - Advice for selling your property management business(00:45:40) - Finding purpose post-sale(00:48:43) - Working with Pure and future plans(01:00:00) - Conclusion and final thoughtsLearn more and connect with DD here: PURE Property Management - ⁠https://www.purepm.co/⁠DD on LinkedIn - ⁠https://www.linkedin.com/in/ddlee-purepm/⁠Learn more & connect with me here:⁠Crane⁠, the private community for property management business owners.⁠My Free PM Newsletter⁠⁠RL Property Management⁠ 

The 7 Biggest Landlord Mistakes (That Are Costing You Money Right Now) Recording from their sickbed in Mexico after experiencing building-shaking waves from Hurricane Priscilla, Erin Spradlin and James Carlson power through to deliver critical advice: the seven biggest mistakes landlords make. They tackle everything from skipping background checks to overpricing rentals, with trademark honesty about what actually matters versus landlord paranoia.

It's time to Haul out the Halloween!Scott from Christmas Morning joins Bran, Dan, and Brian to break down the latest movie in Hallmark's wildly popular Haul Out the Holly franchise.ABOUT HAUL OUT THE HALLOWEENNew, Halloween-obsessed neighbors inspire residents of Evergreen Lane to haul out their spookiest costumes and décor to become EverSCREAM Lane.AIR DATE & NETWORK FOR HAUL OUT THE HALLOWEENOctober 11, 2024 | Hallmark ChannelCAST & CREW OF HAUL OUT THE HALLOWEENLacey Chabert as EmilyWes Brown as JaredMelissa Peterman as PamelaEllen Travolta as Mary LouiseStephen Tobolowsky as NedKimberly J. Brown as LunaBRAN'S HAUL OUT THE HALLOWEEN SYNOPSISEvergreen Lane is the most festive street in America, and nothing is more festive than a wedding! Emily and Jared are the ones tying the knot — and even better, the Johnsons are gone! The wedding is beautiful, and everything seems perfect.While Emily and Jared are on their honeymoon, a new couple moves in and decorates big for Halloween — like, really big. The rest of the crew wonders if they should contact Jared, the head of the HOA, but decide to wait until he's back. When Jared finally sees the decorations, he's so shocked he literally drops Emily.He heads over to tell the new neighbors that all their lawn decorations have to go. “This is Evergreen Lane, not Everscream Lane!” But Jared is stunned to learn from Emily's parents that the “no other holiday decorations” rule was never actually added to the bylaws.We learn that Evergreen Lane used to go all out for Halloween, but after Emily's Gram Gram passed away, her parents thought she wouldn't want it anymore. Quite the opposite — Emily insists it's time to bring the spooky fun back, because that's exactly what Gram Gram would've wanted.The committee gathers to gossip about the “weird new neighbors,” right as they walk in — Luna and Marvin. Turns out Luna really is a witch… in a play!Emily and Jared soon announce that Everscream Lane is officially a go! Events are planned, and every house has one week to come up with a Halloween display. Everyone's in — but Luna and Marvin propose one more idea: a spooky alley to raise money for the children's hospital. It's approved, as long as it's not too spooky.Jared surprises Emily by saying he doesn't want to do a couple's costume this year — and that's a little scary for her. What's scary for Jared? Emily's mom might be dating Ned! Things come to a head when Jared lashes out at Ned during the pumpkin decorating competition — even throwing Ned's pumpkin to the ground… while local TV cameras are rolling.Jared's put on leave from the HOA until he makes things right with Ned — which he does. All is well again, just in time for the Halloween cookie competition (complete with ugly Halloween sweaters). To Pamela's shock, Emily's cookies win!Emily decides to publish a children's book inspired by Evergreen Lane. Then, big news — the local news channel is coming back to cover the Lane on Halloween night! Everything is perfect.After briefly appearing as “Chaddy Kruger” — a Chad Kroeger/Freddy Krueger mashup costume — Jared realizes he's a married man now and rejoins Emily for a team costume.Everscream Lane is a huge success, and the whole gang celebrates as Jared gets the news: he's been accepted into the Norwegian Santa School! Watch the show on Youtube - www.deckthehallmark.com/youtubeInterested in advertising on the show? Email bran@deckthehallmark.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Digital Drama 10-14-2025 …Mike doesn't care what the HOA says, he's having his yard sale on Friday …Paul's mom was right, he's ugly and will never find love

Daniel and Adam kick off with late-start jokes and “10/10” chatter, then dive into cake economics: Zach's plan for a pricey Cake Bake Shop “Meet Santa” dinner (three courses, cocktails, photo, gift) gets the thumbs-up. Daniel recounts Big Fatty's 14-second “lost episode” and teases Adam about Big Brother spoilers, lobs love at Critical Role's new campaign, and laments not being able to dish on Strange New Worlds yet. A long catch-up follows: Adam's brutal illness (two weeks, 17 pounds lost) and the truly cursed lab quest—freezing and chilling stool samples at home—followed by Daniel's syphilis treatment saga (penicillin shortages, $1,700 quote, doxycycline workaround), an unwanted no-show fee, and the Drury Hotel refund survey cherry on top.Contact arrives with a flood of voicemails for the Celebrity Death Phone (callers insist “Giorgio Armani, 91” among others), plus a chewing-gum-behind-the-ear query and HOA confusion from abroad. Daniel explains why HOAs are ubiquitous in U.S. suburbs, including the uglier history; Adam shares how that plays out for his partner while Daniel compares fees across neighborhoods. The hosts shout out Level 13 and especially Brian for valiantly stirring Discord conversation.They spin up the Technology sting to answer Brian's LLM prompt question: Daniel shares his “checklist, revise, validate” instruction pattern and suggests asking the model to draft stricter prompts that don't blow smoke. Instead of The News Game, Adam runs a speed-round trivia burst (Back to the Future aliens, New Orleans Square, etc.). Adam closes with Switzerland highlights—Zurich chocolate, Lucerne, Grindelwald in the mist, panoramic trains, Interlaken lake cruise—plus high drama: leaving a bag with his passport on a train, scrambling for an emergency passport in Bern, then miraculously getting the bag (and Ray-Bans) back after returning home.Email: Contact@MixMinusPodcast.comVoice/SMS: 707-613-3284

Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices.  He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year.  The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the  Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education.   Keith Weinhold  0:26   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Corey Coates  1:39   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:55   Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length    Speaker 1  6:53   for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee   Keith Weinhold  8:46   gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%.  today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism.    Keith Weinhold  15:45   Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k   Keith Weinhold  20:16   Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next.    Keith Weinhold  24:25   Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education,    Keith Weinhold  24:44   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  25:55   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 lending group.com. That's Ridge lending group.com. Hi.   Russell Gray  26:29   This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream.   Keith Weinhold  26:36   welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles.   Keith Weinhold  34:56   This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream   Speaker 2  39:41   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 and. Will see exclusively.   Keith Weinhold  40:09   The preceding program was brought to you by your home for wealth. Building, get richeducation.com.  

Kent Kaiser on stopping St. Paul from becoming an HOA plus Travis Ekbom and Mary Amlaw talk MNUSA250

We break down “Winflation” — why being a loyal sports fan is getting more expensive, especially when your team starts winning. Then, the hunt is on for the so-called Black Widow Burglar in L.A., accused of targeting elderly men in a chilling crime spree. In Tennessee, a devastating explosion at an ammo plant leaves dozens unaccounted for. And in SoCal, spooky season hits a snag as a Halloween display sparks an HOA showdown. 

This week, the gals pay their dues while discussing a darker side of homeownership. Topics include illegal pansies, powered home envy, and one very contentious bus stop. Crack open a fresh can of Coke Zero, burn your civility pledge, and tune in for HOA Crimes. For a full list of show sponsors, visit https://wineandcrimepodcast.com/sponsors. To advertise on Wine & Crime, please email ad-sales@libsyn.com or go to advertising.libsyn.com/winecrime.  

The condo market has flipped firmly in buyers' favor. With 72% more sellers than buyers nationwide and rising HOA and insurance costs pushing owners to list, buyers finally have leverage to negotiate. But while prices have softened and competition has vanished, new regulations and long-term risks mean not every deal is a bargain. This episode breaks down where the market's weakest, why Florida and Texas lead the pack, and how buyers can make the most of this rare advantage. Learn more about your ad choices. Visit megaphone.fm/adchoices

For a quick stop at Johnny's House: We hear about some crazy HOA stories like someone getting fined for their son playing in a tree! What do you bring out only or special occasions? See omnystudio.com/listener for privacy information.

How long have you waited in line for? We hear HOA stories from the listeners. We let you complain about something but follow it up with a compliment. What do you have that you only pull out for special occasions? Do you have any Halloween traditions? See omnystudio.com/listener for privacy information.

For a quick stop at Johnny's House: We hear about some crazy HOA stories like someone getting fined for their son playing in a tree! What do you bring out only or special occasions? See omnystudio.com/listener for privacy information.

How long have you waited in line for? We hear HOA stories from the listeners. We let you complain about something but follow it up with a compliment. What do you have that you only pull out for special occasions? Do you have any Halloween traditions? See omnystudio.com/listener for privacy information.

Trump demands Illinois Governor and Chicago Mayor Be Jailed as National Guard troops to Deploy in Chicago. HOA head labeled a Black 5-year-old- a ‘public nuisance,' for playing in a tree. Trump is considering pardoning Diddy. Host: Dr. Rashad Richey (@IndisputableTYT) *** SUBSCRIBE on ⁠⁠⁠YOUTUBE⁠⁠⁠  ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW US ON: ⁠⁠⁠FACEBOOK⁠⁠⁠  ☞ ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠TWITTER⁠⁠⁠  ☞     ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠INSTAGRAM⁠⁠⁠ ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

WEBINAR REGISTRATIONI'd iike to invite you to learn more about an exciting opportunity located in Bradenton Florida. Bradenton is next to Sarasota for those of you who are familiar with Florida. This market has an industrial moratorium that is driving one asset class to new heights, specifically light industrial. This 35 acre property, right in the middle of Bradenton has an existing Charter School on 11 of those acres and 24 acres of land that we are developing.  We are hosting a webinar on Wednesday October 8 at 7PM Eastern time. This opportunity is only open to accredited investors residing in the US in compliance with SEC regulations. To learn more, click on the link in the show notes and we will see you on Wednesday evening, October 8 at 7PM.-----------Today's question comes from Irene who writes:I own a portfolio of short term rentals here in Kihei Maui. Most of these are condo's across the street from the beach. The HOA has undertaken replacement work of some of the plumbing infrastructure which required the opening up of walls and replacement of pipe. In the process of demolition, they destroyed the bathroom cabinetry, which quite frankly was not necessary. As they were nearing completion we started to replace the cabinetry. The security team from the HOA then notified us that we needed to stop work because we did not have a building permit for the improvements. I'm not an expert in construction. How should I be responding to the HOA and a building inspector if the building inspector shows up. -------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

On this episode we revist two of our favorite bottles from the past year, the Ardnamurchan Paul Launois Release and the Signatory Vintage Linkwood, while chatting about being the longest sports seasons, why alll the bowl games protect food, taking the time to appreciate the drink, You Can't spell Flowers without Lowes, your Grandma is the Queen of England, the amazing nature of boring TV, destroying your backyard, indoor ducks are refined, idyllic pumpkins, HOA restrictions, dropping your pants at the doctor's office, carrying a 45lb bottle around for 3.5 weeks, grease paint, a child's rollercoaster ridden by a 400lb man, soaking in a hottub that's 2 degrees too warm, that lovely Crayola note, and why the goal is to make the customs agents blush.  Support Us On Patreon: https://www.patreon.com/DrepandStone We'd love to hear from you! https://linktr.ee/DrepandStone Don't forget to subscribe! Music by @joakimkarudmusic Episode #315

Send us a textThe landscape of community living is shifting as associations grapple with rising energy costs, climate pressures, and ever evolving resident expectations. In this episode of Take It To The Board, host Donna DiMaggio Berger sits down with Nicolas Milo, Senior Director at KW Property Management, to explore how sustainability is more than just an environmental initiative -- it's also a smart financial strategy.No longer limited to “going green” for responsibility's sake, today's forward-thinking boards see that sustainability brings immediate cost savings, operational efficiencies, healthier environments, and stronger property values. Donna and Nicolas discuss the beauty of this approach and its flexibility where communities can start small by fine-tuning existing systems and then scale to more advanced technologies.For boards wondering where to begin, Nicolas recommends a phased approach: first, ensure existing systems operate at peak efficiency according to manufacturer specifications. Then explore strategic upgrades like building management systems, water flow meters, or LED lighting with motion sensors. Low-hanging fruit includes domestic water filters to reduce plastic waste, comprehensive recycling programs that generate rebates, and community engagement initiatives like neighborhood cleanups or garden projects.Technology is opening new doors for associations -- from EV charging stations with minimal upfront investment to advanced trash management solutions. Nicolas also shares personal insight from serving on his own condominium board, where a community garden and composting system has strengthened community bonds while reducing environmental impact and even food costs.Whether you manage a high-rise condominium or a sprawling HOA, this episode delivers actionable strategies to create greener, more cost-effective communities. The bottom line: sustainability is good for residents, good for property values, and good for the planet.Conversation Highlights IncludeImpactful and cost-effective upgrades for condos and HOAsResident support for sustainability versus the need for persuasionBalancing upfront costs with long-term savingsReal examples of green initiatives lowering utility costsChallenges unique to high rises versus large HOAsKeeping pace with Florida's stricter building codes and energy requirementsResident involvement and the rise of green committeesHow sustainability boosts satisfaction and resale valuesThe next wave of green living—solar, EV charging, water reclamation, and smart techBonus: The one sustainable feature Nicholas believes every condo or HOA should adopt if he had a magic wandRelated Links:Podcast: Revolutionizing Coastal Defense, 3D-Printed Living Seawalls with Anya Freeman of Kind DesignsPodcast: Navigating the Negative Impacts of Sea Level Rise with Professor Harold R. Wanless and Dr. Esber AndirogluPodcast: Successful Community Association Living Starts With the Purchase Decision with Marisa DiLenge, Founder, DiLenge Real Estate Team (Part I)

Tired of “Home for the Holidays” on repeat? In this episode we share 20+ proven, low-lift holiday ideas you can roll out fast—from tasteful model-home décor and seasonal website swaps to HOA-friendly gatherings, realtor tailgates, and UGC contests that fuel word-of-mouth and Q4 sales.Download the Holiday Marketing Guide to follow along! You'll learn how to:Refresh branding (seasonal logos, signatures) without a full rebrandMake models feel magical on a budget (wrapped boxes, greenery, scent & sound)Add simple virtual décor to renderings/videos for social, email, and plan pagesHost community + HOA events (Story Time with Santa, cookie swaps, decorating classes)Win with realtors (tailgate broker opens, Santa photo ops, “12 Days” prize runs)Give calorie-free gifts that stick around (mini pumpkins, plants with branded picks)Spark UGC with “Pictures for Pie,” porch-decor contests, & Elf-on-the-Shelf photo opsPublish local holiday guides (pumpkin patches, Santa pics, tree farms, best light displays)Who it's for: New-home marketers, OSCs, sales leaders, and on-site teams who want festive campaigns that convert—without burning the December candle at both ends.Chapters: 00:00 Welcome & why holiday differentiation matters 03:00 Model-home décor (indoor/outdoor) on a budget 06:00 Virtual décor for renderings & short videos 08:00 Community/HOA experiences that drive referrals 10:00 Realtor plays: tailgates, Santa photos, 12-day giveaways 13:00 Sticky gifts (not sweets!) 15:00 UGC contests that explode reach 18:00 Local guides for SEO + goodwill 20:00 Wrap-up & next steps

Part 2 of podcast guest Dr. Lauryn Brunclik (of She Slays the Day podcast fame) and her conversation with Kiera. In this follow-up to Becoming Business Savvy with a Clinician-First Mindset, the pair discusses seeking other revenue streams to obtain financial freedom. The chat includes fixing your pricing structure, living below your means, understanding the spender and saver mindsets, time management, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera and welcome back to part two of my chat. If you liked part one, you are going to absolutely love this. I am so excited and I can't wait to dive right in.   Kiera Dent (00:10) Lauryn, I'm very curious. Like you've talked about it at length. Like what do people do? Like what's the how, how do we get into this?   How do we have multiple streams because agreed all eggs in one basket? gosh. It's, ⁓ to me, that's like just a ticking time bomb. Like one bad day, one bad patient, one bad procedure. Like it's just going to explode because you're sitting like you're sitting on the edge of fear all the time to where you are in like cortisol adrenaline, like you are pumping. And then what you do is you go into complete shutdown because you can't handle it anymore. So your body and your system literally like just shuts down on you. You become apathetic to life.   Dr. Lauryn B (00:23) Mm-hmm.   Kiera Dent (00:44) things aren't exciting for you anymore. You become very numb to walking through the world. And it's like, I feel like the world of color goes into very like gray. It's very subtle. It's like, it's, there's no, there's no life left. It's just, are living life, but you're not actually being and living day in, out. So what are some tacticals? Like I'm so curious. I love to hear that.   Dr. Lauryn B (01:04) Well, so,   I mean, ultimately what you have to, I'm no cashflow expert. My husband would like laugh, not, he wouldn't laugh. He'd just be like, what's she gonna say right now? So like cashflow will multiply the more you start putting your money to work, okay? So it's very, very, step one is simple. It's exactly what you said. You have to have cashflow coming from your clinic.   Kiera Dent (01:14) okay.   Dr. Lauryn B (01:33) You have to. Like, you need to spend less money than you are bringing in. Okay?   Kiera Dent (01:42) Ooh, love that. Ding, ding. All right, great. Got it, team. Got it all.   Dr. Lauryn B (01:45) Like, so it's   it's simple. what did you say? Like you said, there's only three ways to make it happen. Like lower your overhead. Yep. Yep. See more people. Yep.   Kiera Dent (01:50) There are, either cut your costs, increase what you're producing. like for how many patients you're seeing and   or collections, because a lot of times you're producing enough, but we're not collecting the money that we're actually producing. that then costs, people are have no money. And I'm like, you have 500,000 sitting in your AR that's not collected. So you actually have money. You just have a broken system of how to collect it. And to your point, my husband said this very early on when I started that company, he said,   I care, don't lose money. He was like, yeah, I'm not going to give you any rules, any parameters. He's like, just don't lose money because that's going to cause a lot of strain on us. And I thought about that a lot. It's like, ⁓ I guess that's a great, a great plan. Like it's really been a good thought for me. But it's like, if you are going to lose money on having a business, go be an associate for someone else. Like it's a hobby at that point. It's not a business. So I'm like, if you're not going to have your business make money for you, like truly no judgment.   Dr. Lauryn B (02:24) Thanks, husband.   Yes.   Kiera Dent (02:44) go honestly be an associate, go work for someone else so you're taking home a paycheck. When owners are working for themselves and making less than they are as an associate, I'm like, we have a big problem here. And now you're mad because you got way more problems. You can't just clock in, clock out and leave for the day. And I'm like, that's actually not a business. That's a hobby. And it's a bad hobby. You have no freedom. No, it's delusional. No.   Dr. Lauryn B (02:57) Mm-hmm.   And they're like, but I have the freedom when I'm the owner. You don't have freedom? can't afford a vacation. what? You have   no freedom.   Kiera Dent (03:11) Stop lying to yourself just because you own a business. People are like, I wanted this texture, have more time. And I'm like, yeah, tell me how that's going for you. Probably not great. All right, so we gotta have a business that actually cash flows. Simple stuff.   Dr. Lauryn B (03:16) How's that working for you? Yeah.   Yes, so step   one is very simple, but not is you have to fix the pricing structure, the collections, your payroll blow. You need to look at the profit margins of your clinic. Very easy, very difficult, but very easy.   Kiera Dent (03:37) And they're   industry specific too. I don't know how it is in chiropractic, but I know in like dentistry, we say right now, even with all the things like I want 30%, we're talking all things, fringe benefits, 401k. Like 30 % for payroll, 25 to 30 is about average. And we aim for, I don't know how it is in chiropractic, but I aim for a 50%, not including doctor pay, 50 % overhead in dental practices, 30 % of doctor pay, because I'm like, that's what you're gonna get paid as an associate. It's like, let's at least pay you that.   Dr. Lauryn B (03:45) No, that's pretty yeah, that's pretty healthy. ⁓   Kiera Dent (04:04) And then hopefully we've got a 20 % profit, but that profit debt services click in and that's a real fun zone and taxes. Like I love it. No, you're not getting your W two people are not taking taxes out. You own this business. All that money comes to you. So do not get trapped in that like tax trap. but like, like that's a very simple formula and you look, what is my supplies? What are my rent? Like, what are all those things? And if you figure out the benchmarks, then you know, which one am I bleeding money on quickly fix that hole. So we stopped bleeding it again.   It seems so hard. And you and I are on the other side of that equation saying, no, actually it's like real simple. You just look at it real quick, figure out what it is. You can build your practice to support whatever numbers you need, or we cut. Usually it's easier to increase production and collections than it is to cut. But a lot of people are just overspending in ridiculous ways that I'm like, no, no, no, no, no. Like I have a practice, I looked at their numbers. They shouldn't giggle. I did giggle, because I was shocked. They're like, here, we have no money.   And I was like, all right, send me your P &L. Let's take a look at it. So I did. Year to date, they produced 528,000. So they're doing about 85,000 per month is what I calculated when I ran the numbers. But when I looked at their take-home pay, they're taking home, so it's 528. I'm super happy for them. Like don't, there's no judgment on that. They're taking home 250,000 of that 528 is going to the doctor, which again, I'm happy that they're taking home the money. But what's happening is the practice is not producing enough for that.   They're running all their kids through it. They're running their cars through it. They're running everything through it, which again is not a bad thing. But if you don't have cash in your business to hire people, I was like, we're a little off on the percentages.   Dr. Lauryn B (05:37) Yeah. One of my favorite things to teach people   is because people are like, I just want to learn tax strategy. I want to learn tax strategy, tax strategy. And you're like, okay, here's the thing about tax strategy is you can only do tax strategy. Can't see I'm doing air quotes here. If you have money that you don't want to give the government, if you are spending   Kiera Dent (05:47) you   Mm-hmm. Air quotes, I see them.   it.   Dr. Lauryn B (06:06) much as you make and the government's like, yeah, you're good. You don't know anything. Like there's no strategy to be had. Strategy can only apply to profits. you know, like to money you've made. So, so that's where it's like, okay, I get that you really want tax strategy, but like you're, you don't need strategy yet. You just need to create more.   Kiera Dent (06:09) There is no tech strategy. ⁓ That is a tech strategy. No.   Yes.   You   just need money to then pay taxes on. Then we can talk about what it's gonna be. Yes.   Dr. Lauryn B (06:37) Yes, then we can talk strategy.   But yeah, so like that's where it starts. The next hard part, and this is where I kind of touched on like, we went into this career because we believed this career was gonna take care of us while we took care of other people. And so everybody's got a little different version of what that means. ⁓ What car they think they should be driving.   Kiera Dent (06:42) That's a point.   Ready.   Dr. Lauryn B (07:06) once they have made it, what ⁓ their house situation should look like, how many vacations, their spouse, if they're buying their spouse, designer bags and things like that. Like we have in our head once we make it, what life will look like. And so after you fix your cashflow thing, the next thing is like,   you gotta kind of continue to live below your means for a while. Because if all of a sudden you've fixed your profit margins and you have an extra $30,000 flowing into bank accounts a month that does not have a job, like, you're just like, we're gonna move into a bigger clinic, we're gonna hire another doctor, we're gonna do this. And all of a sudden that...   Kiera Dent (07:58) Let's go!   Dr. Lauryn B (08:04) that potential, but like you have to have money in excess to build wealth upon. If you fix the first problem, which is we don't have enough money, okay great, now you have enough money, and then instead of building wealth, you buy a Birkin, which I still keep sending my husband all of the memes and reels that like Birkins are apparently, you know, they are also   appreciating, they're beating the S &P. So I'm just saying maybe a Birkin was a bad example because that would be an investment. ⁓   Kiera Dent (08:36) See?   I why not? think there's a   lot we could probably justify in the investment realm. Like it's fine. I'm here for it.   Dr. Lauryn B (08:46) Right, right. But   no, you know, if it's like one of those things where if you just lifestyle inflate after you fixed your cashflow issue, what's going to happen is, is you're going to still be, you're going to have like golden handcuffs where you're like, well, yeah, the clinic is bringing in 1.2 and like, yeah, I do keep 350 of that, but I still.   like I'm paying off my student, because your student loan payment now is increasing and like this and like your mortgage and all of this stuff. And you're gonna, you have the potential if you're not careful to feel just as squeezed financially, even though you've gone to the next level of salary and income, but you can still feel that exact same financial scare. And so like that's another thing where it's like, okay, you have to figure out,   the balance for you and your spouse because like my husband, ⁓ my husband is definitely, so this is from Garrett Gunderson. He's a really great financial wealth advisor. don't know if he's in your guys's world. Yes. Okay. Yes. So he was on my podcast and he was talking about how basically within all the   Kiera Dent (09:53) I love him.   Definitely. We love him.   Dr. Lauryn B (10:04) that he's coached people through, there's basically, he used a different word, but right now I'll just call it the the saver and the spender. Okay.   Now the spender tends to be the visionary, the CEO. It tends to be the person that's like taking the risks to build the things. They're like, we had a record year, we're   reward ourselves, we're gonna do this, we're gonna do this, life is fun, this is great, this is like a... And then they often marry a ⁓ saver that is just like...   I don't need all of that. I don't need another vacation. I don't need a fancier car. I don't need this. ⁓ And it can actually make them very uncomfortable that, you know, so my husband is, we'll call it   saver. ⁓ And we go, I mean, our travel budget a year is insane.   we should definitely be putting that towards crypto and like buying a duplex and like building more. But   Kiera Dent (10:57) you.   But why? But why?   Dr. Lauryn B (11:04) If someone told me like, no, no,   no, here's the plan. You get one trip a year and then we're gonna just like   all of this money and then you can start around 45, like, know, and then at 50, it'll open up a little bit more. Like, I'd like, well, that's no fun. I don't want that. And so you have to figure out, because there's a ditch on both sides of the road, right? And so you have to figure out like, when do you want to retire?   Kiera Dent (11:28) Mm-hmm.   Dr. Lauryn B (11:33) Like what is that number? What is that freedom number? How much money do you need coming in in like passive investments? Like how much do you need your crypto portfolio to be doing? Like your real estate portfolio. What's that number of monthly income or annual income? And when do you want to get there by? And this is going to be so dependent on whoever you're talking to.   if you're 50 and you're like, I want to get there by 55.   and you're starting,   not great. Like, yeah, okay, you know what? Your travel budget, you just need to not worry about that for five years. Like, you got some work to do. But like, if you're sitting here at 35 and you're like, I'd like to retire by 50, and like, I still wanna take our kids on some vacations, but I do think we should be, you know, then you just gotta pick where are you pinching pennies? Like, because you gotta pinch them somewhere. So like, maybe it's...   not designer handbag season. Maybe it's not getting the newest vehicle. Maybe you'd rather live in a bigger house, but drive a more reasonable car. Whatever it is, maybe you have no problem giving up vacations, but you need that pool in your backyard. Again, there's a ditch on both sides. think that as this couple, you need to come together and figure out.   that equation where even after you're getting some of these doctor luxuries that you've worked hard for, there's still money left over that is being invested wisely.   Kiera Dent (13:13) love Lauryn that you talked about Garrett Gunderson and I love that there's the saver and the spender in every relationship because this happens like it's a real thing. ⁓ And I love that you talk about like, okay, one step one is like, you got to make money and you got to keep the money. So it's like, make the money and keep the money. I have like, okay, if we could just follow that. Jocko Willings, he's got a quote. This is like discipline equals freedom. And it sits in my kitchen, which I think is a very smart place to stick this sign. I see it all the time. And I'm like, that really is step one is like discipline on this.   Dr. Lauryn B (13:28) Make the money, keep the money.   Kiera Dent (13:43) And I think that there's like, one of our consultants, says, choose your hard. And I think about this, like both sides have a hard, like spending all the money has a hard of like being broke. Saving the money has the hard of you've got to actually put like parameters in place. So both have it. But for me, I'd rather sleep at night knowing I've got money in the bank rather than like sitting there wondering how I'm going to make payroll. Like to me, that's the hard I would rather choose. I would not rather not choose the other side. So I'm going to be disciplined there. And then,   I really started working on and I heard at a conference about like just an easy way. Cause my husband, I'm the spender. He's the saver. And it's really thrilling for me because I felt annoyed. I felt like I was dragging him like an anchor. Like we were going on vacation. We're buying the cars and like, don't like cut my wind out of my sails. Like I was so angry about it. So we actually had to make a vision board of both of us. Like what are his dreams and what are my dreams? And we like co put it up on the wall. It literally sits in our bedroom. And it was one of the best things I ever did because he wasn't able to see what inspires me and what I'm excited about what   what's important to me. And I was able to see what's important to him. We also figured out like what's our BAM, our bare ACE minimum as a couple and where we want that. And then when you're talking about like the savings, I really found this awesome principle where it's kind of like, ultimately, what does it actually cost you to get to financial freedom? And when I did this exercise and I do it with a lot of clients, you can actually break it down. like, what does that like, bougie, whatever life you want that to look like, what does that look like? What's your mortgage? What's your HOA? What's the internet? What's the utilities like?   What's our groceries? What's our food bill? What's our children bill? Like how many cars do we have on this? And like literally build that out to what's like my highest end. And then you actually scale it back down to basically like, what's my security bucket? Like for me to just survive, like you said, like the monks, like what is it for me? Like scrap it all down. Let's go back to dental school. Let's go back to chiropractic school. Like when I was at my like most broke, but I could scrap like you guys, can top around and like a boss, like I know I could get through. So like, what is my like minimum amount?   Then what I do, so basically taking that all the way up to my financial freedom, like where I've got money making money, it's a money making machine for me. And then how do I actually break that down? So I've got security, then I've got like growth, then I've got independence, and then I've got freedom. And then beyond that are like your prosperity and your legacy buckets. And so when I look at this, it's like, you basically just chunk it down. And what I mean, I'm such a nerd, I really am. I've like learned to fall in love. I like took that amount of like total dollars.   Then I looked at like, how much money do I actually need to make? What tax bracket am I in? How much do I need like pre and post tax? Like again, total nerd side on my side. But then I was able to look and I'm like, okay, for this practice, I know that for them to be like, just baseline, they need to be making about a hundred grand a year. Like that's pre-tax. So we know like we're to take tax out. We can survive. That's like our security. Then our growth goes up to 202 post-tax. Then our independence is at like 553. Well, now I know my mile markers of what I need to do. And I also have those parameters. you said, where am I going to penny pinch?   This does not mean that I don't have certain luxuries, but it means that I'm like, it's like a gradient and I'm able to see what I'm working towards. And I remember my CPA, he told me once he said, Kiera, it actually becomes a lot easier to make money. And like once you, like in a few years, once you've bought a few of the things that you really are looking for, and I was like, you're full of it. Like, I don't believe you for a second, but it's true. Like as you evolve.   You buy the things you want, you get the house that you want, you get the car that you think you want, you get the designer bags, like it's not all overnight. And then you're like, wow, I have a decent amount because I've learned to make the money, save the money, not spend everything that I've got. I'm able to then plan for these purchases that I want. I love Profit First, Mike McAllags. He's like my fangirl central every time he's on the podcast. I like just love him so much, but I'm like, okay, then I have buckets. have my travel bucket. And you're right, Mike, my travel.   Dr. Lauryn B (17:18) yeah. Sweep account. Sweep! ⁓   Kiera Dent (17:28) amount, that's something that fuels me. So we pump money into a travel fund, but we have those to where I now have budgets and our clients have budgets and you can have budgets. And it's not for me, clients have even told me that's more freeing than it is otherwise, because they actually know I can spend this money guilt free and go on the trip. can go and buy this car guilt free because I have the money.   Dr. Lauryn B (17:46) Mm-hmm.   And that's probably really   helpful for your spouse too. A lot of times the saver spouse, like it's hard for them until there's like an act, like that's the permission they need of like, no, we ran the numbers and we like this amount of money was proportionally taken and it's there. It's only to be spent on this. And they're like, okay.   Kiera Dent (17:52) Thanks.   Yes.   Yes.   Okay. And then the spender feels good because they're not just blowing all the money. So it's on this like, it's a good balance, but I love it. Like it's very simple. And now I'm very curious, Lauryn, because you've talked about like not having your business as your only asset, like that's cash flowing for you. Once we've got a simple, we like make the money and we keep the money like check that off. Then we go into these like, I love the idea. There's a ditch on both sides of the road. So which one are we going to do? We figure out like, what do need today? What are my future like?   Dr. Lauryn B (18:28) Mm-hmm.   Kiera Dent (18:41) kind of nice purchases that I want to, how do I build up to these other ones that I can save for? What's my total number? Like I know my number for financial freedom is psychotic. When I look at that, it really is. I actually have it.   Dr. Lauryn B (18:51) Is it really? Because I'm   interested that you said that because most people when they do that exercise are kind of like, ⁓ it's surprising to them that it's actually not higher. like, so.   Kiera Dent (19:12) Well, let me just clarify.   Let me ask this for you, Lauryn. What I found is for me to hit like my security, my vitality, my independence. Like we're talking like pretty much up to freedom. I'm actually it's good. Like we're there, but my absolute freedom, like where I never have to work another day in my life for me, that number, that number is a little more extreme. That one, but like even looking at it now, cause when I told you, I'm like, it's psychotic. I just pulled the spreadsheet up. What's fun though is I built this.   Dr. Lauryn B (19:30) ⁓ okay.   Yeah. Okay, the like I quit number, the like.   Kiera Dent (19:42) gosh, I like I should honestly look, I think I built this spreadsheet, I'm going to we're gonna hold everybody I know you're like on pins and needles, I'm just gonna scroll back to when I actually made this. It's on Google Sheets, you can go back to like when it was built. So I built this and I think this is really just telling for people I built this in 2022. So May 13 2022 at 1026 am is when I built it. We're now recording this in 2025. So we're only talking just over three years since I originally built it.   I told you Lauryn that my number for absolute freedom, we're talking like I put it all because I have a jet in there. I have a charter jet. I have a private like I put all these things like it was just I have like I want to   Dr. Lauryn B (20:17) You have a jet in there? Okay, well most people when   they do the exercise the way I have them do it aren't putting jets in there. I love you, Kiera. Okay, we're gonna stay friends because I want on that jet. Kiera error.   Kiera Dent (20:25) Like I'm telling you this is my absolute freedom. This is the absolute absolute like here is living this life I mean girl you can come cuz I just like   I wanted to see like what does this look like and I want to have like I don't want to retire in a retirement home I want to live in a villa like I've got some pretty lofty things in this like we're talking I went for like   Dr. Lauryn B (20:41) Right. Did you put the pilot   costs in there too or does that just come with a jet?   Kiera Dent (20:45) So my husband actually wants to be a pilot. So that's already like built in. So I've got like that. I also have friends that are pilots like, you know, yellow, we're gonna have that. Thank you, thank you. So on that, and I actually went through this, like I built it the first time, but we're talking three years. And I look at that to have that absolute freedom. The annual income pre-tax would be 4.6 million, which that can sound like an outlandish number. However, based on where the business is now, it's not that outlandish. And that was just a short.   Dr. Lauryn B (20:49) Okay. Okay. Okay. The jet makes a little more sense now, but yeah, got it.   No, it's doable.   Kiera Dent (21:15) three year period where I'm like, I mean, we got a jet, I got play money. mean, guys in-house chef, live in nanny, we've got all the cars, I've got my Lambo, I've got chartered flights in there, like you name it. And I look at this and I often assess because Kiera three years ago wanted some of these things and Kiera today might look at that and be like, know, I actually don't want these things, but this is what I'd rather. I'd rather like buy a house for my parents or I'd rather do this, but you will shift and change.   Dr. Lauryn B (21:16) And that's got a freaking jet in it.   Kiera Dent (21:45) But it's so crazy because when I look at that, I'm like, all right. So I know if things get tight in the business, I know, all right, rock on. Like pre-tax, we need to make a hundred grand. Like easy. We can handle that. We can create that. We can figure that out. That's it. Again, just a math equation. But then when you look up and you scale up, it becomes so much more doable and realistic. And then for me, I don't know how you feel, Lauryn. It's like, now the number doesn't feel like, got it. I know actually like what I'm working towards. I know how I can now do the math equation. It's not like I have to make   500 million to be free. It's like, no, I need this money because it will now go into investments. It will go into other places. I know how much that's going to generate for me. I know how much it's going to estimate grow. And I don't know. It just is pretty magical. So I'm very curious. Like, what are your other revenue streams that you recommend when we're looking at this and we're building that financial freedom? We're looking at like, okay, I kind of am. I'm hoping that people listening to this podcast are putting like dots together. Like, okay, got it. Like make the money, keep the money.   Dr. Lauryn B (22:17) Mm-hmm.   Hmm.   Kiera Dent (22:38) figure out how I'm gonna spend it, but not overspend it and still keep the money so I don't pinch on that side. Then I'm gonna look to see where I ultimately wanna get in my life. Now, like what are some other things like if we're there, how did you get it to where you weren't just reliant on your business anymore?   Dr. Lauryn B (22:52) So first I will say that none of this is any tax or legal advice and you must talk to your CPA or whatever. Yeah, here's my little disclaimer. I am not an accountant or anything, a lawyer or anything like that. So right now, so I just interviewed someone on crypto. So I am really, really lucky that my husband, he's a very early adopter. And so   Kiera Dent (22:58) This is true our little disclaimer there guys go talk to people that are not   Dr. Lauryn B (23:21) We have been pretty involved in crypto for   Kiera Dent (23:26) Which is why you said   do crypto like all the things like I should be putting this in crypto not going on trips. I now get it. All right, go on.   Dr. Lauryn B (23:33) So I just interviewed someone on my podcast who's like a crypto investor and like some of the predictions that the crypto people, the crypto people are saying about   going to happen with crypto, what could happen with crypto in the next five years,   4.6 million would be easy. So like if our current crypto ⁓   Kiera Dent (23:55) Chump change, like truly, truly.   Dr. Lauryn B (24:01) account like amount that we have invested   did even a fraction of like what like we'd be we'd be pretty   pretty pretty good even if that doesn't happen in five years if it like takes 10 so crypto for us   Kiera Dent (24:08) Mm-hmm.   Dr. Lauryn B (24:14) and like i said i just i knew that like that was the thing that for him but like i just really got i got off this interview and i was like how much did you invest last month we need   double it we need to like and he's like yeah   This is so exciting. Like I have been priceless. I've been really obsessed with a Cartier watch lately. Like a real like, and so I have was, I'm already   Kiera Dent (24:28) That's where he'll spend there, Lauryn.   Dr. Lauryn B (24:37) about my 2026 vision board because I'm in Enneagram three and we do weird   like that. And so I I was like, I want to go to Switzerland and   Kiera Dent (24:41) I love it.   Dr. Lauryn B (24:46) want to   to Switzerland and buy a Cartier watch. Cause that's where they're made. And like, and now I'm like, you know, maybe we should   Kiera Dent (24:52) Yeah.   Dr. Lauryn B (24:56) delay, that would be better put into crypto. And he's just like, this is the saver husband is just like, this is the greatest thing in the world. So anyway, so that's one bucket. ⁓ And you know, he spends a good amount of time each week, each day monitoring. So I won't even call that passive. I think that crypto can be a lot more passive depending on how you do it. I'm not going to get any deeper into the waters here because we are at my like limit of understanding of crypto.   Kiera Dent (25:02) He's loving it. Okay, so crypto. Okay.   Okay, perfect.   Dr. Lauryn B (25:24) I know   that you can   very active in investing and there are ways that can be much more passive. ⁓ So real estate, obviously   think that real estate is the secret of the wealthy for decades and decades and decades and it's not such a secret anymore. It comes with its own things. We both experienced 2007. I luckily had just gone into school, but there are people who lost their asses in 2007 with real estate. So not foolproof. Also,   Kiera Dent (25:50) only.   Dr. Lauryn B (25:54) not incredibly passive. We throw the word passive around way too much in this, but I will say where the majority currently and where we're like next year, how I'm getting to 3 million and this and that, a good percentage of it is very, very active in the personal brand coaching side of things.   Kiera Dent (25:56) I would agree on that. You gotta have a lot of doors, lots of doors, lots of time.   I agree.   Dr. Lauryn B (26:22) I have built and have continued building. ⁓ so, you know, podcast, sure, that makes some money, but like where very actively, where I spend more time on than in my clinic is in the online space of coaching courses, programs, webinars, membership. And that's when you find, and here's the thing.   is like every dentist listening, every chiropractor listening is like, okay, so I need to coach other dentists. I need to coach other chiropractors. And it's like, no, what I'm saying is, is online, there is a lot of money that can be made. It's not easier, but it's also not harder. It's its own hard. I just solved a different problem for someone. So I had the business that we solve this problem. And then I figured out a way. So we talked about the financial.   Kiera Dent (27:05) Right.   Dr. Lauryn B (27:18) freedom, but then I figured out the time freedom that I wasn't needed there all the time. So I could sit and go, what's another problem that I can sell a solution to?   Kiera Dent (27:33) Okay, let's like pause there. I'm very curious. How did you get, how did you solve the time solution? Like guilt free, like walk me through. I know it's like a pile whole nother episodes. Like do it in like a chunk or probably close to time.   Dr. Lauryn B (27:38) God, that's.   Yeah, well, I mean,   you ultimately, you pay for your time. So like, I am not collecting as much money from my clinic as I could if I was there doing the service. Like, that's just kind of obvious. ⁓ So I am paying for doctors that I wouldn't need a doctor. I could get rid of an entire doctor's salary if I just worked full time.   Kiera Dent (27:59) Right.   Dr. Lauryn B (28:10) I could also get rid of my amazing and well-paid director of ops. So this was a big game changer for us is so like, you may have a doctor on staff that's like your clinic director. You know, they're really in charge of like patient care, whatever, things like that. I recommend having a not office manager, a director of operations.   Kiera Dent (28:25) Thank   Dr. Lauryn B (28:39) Okay, like this is not an office manager. A lot of time your office manager is like by default, the person who's been with you the longest. Like we hired in a specific skillset that was going to be my eyes, ears, hands, feet, pretty much everything except my visionary brain.   Kiera Dent (28:40) Nothing.   and   Dr. Lauryn B (29:03) She does HR meetings, she does hiring, she does firing, she monitors stats. I meet with her once a week and I get reports. I pay her pretty well. And like honestly, she needs another raise and so does my other doctor. Like, so this is what's hard.   Kiera Dent (29:17) Yeah.   So let's just break it down. I   don't wanna know exactly what your Director of Operations gets paid, but let's give a range so people understand, because I think people don't realize what we're paying for that. So are we talking? Okay, perfect. And for some of you, might hear like, yes. And I would say that that, I would say it's probably 60 to 150 penny upon, for dentists, the size and practice, like I have seen that come through. So again, looking to see where it is.   Dr. Lauryn B (29:27) Probably 60 to 90 grand.   depending on your city and things like that.   can.   and   especially like if you're running multiple clinics. Yeah.   Kiera Dent (29:44) Yes. So   when you said that though, when we were talking about the audacious number and we're like, Hey, 4.6, like it seems so, but you're like, it's really big. But I think if people were to hear that and think K 60 to 90, if I were to pay somebody 90, but not have to do all the meetings, not all the hiring, not all the firing, what is your time worth? Go to Dan Martell, buy back your time. He's one of my favorites. Like what is your dollar per hour when you're doing dentistry or when you're doing chiropractic?   And could you hire that out? Like how many hours could you do or use your visionary brain to grow the business, grow other things? Well, yes, that's a great salary. It also, think when we put it with your time, I think a lot of people could see that on a balance sheet of a very good investment because I think time is one of your greatest assets. So again, I just want to highlight because a lot of people may think it's like 200.   Dr. Lauryn B (30:26) Mm-hmm.   Well, and I'm in a circle back.   So, cause I said, there's like the two different reasons you're burning out. Although I've listed like 17 at this point. You you've got the person who just wants to care for people and they have to run a business. And then you've got the person who's like, I've solved this. So like, I don't remember who said it, but they basically said there's like two types of people. And this is a really great question to ask when you're hiring. It's one of my favorite questions. ⁓ Are you the type of person?   Kiera Dent (30:39) Yeah   Dr. Lauryn B (30:57) who wants to solve the same problem every day and get more efficient and faster and better at solving that puzzle, or are you a person who would rather have a brand new puzzle every day and figure out   to solve that puzzle? There is no wrong answer here. You are not a less than person because people hear that and they go, oh.   I wanna be the exciting person. And this is why so many people end up in entrepreneurship that shouldn't is because they hear the air quotes, right answer there. the exciting answer is I want a new puzzle. Most people are not psycho like   if you   that you're that person, when you're really, this is totally cool to be like a more efficient problem solving, like same puzzle. But that's what a business is.   Kiera Dent (31:49) Yes.   Dr. Lauryn B (31:50) after a   certain point, you are solving the same problem. And so I literally couldn't. I couldn't, so like, yes, I could say like, well, I had the option of not spending that money on salary and just like stepping into my practice even more and being that director of ops and being that, I couldn't. I was done. At this point, this had been like 12 years.   Like, this is really more more recent. I've been in practice 15 years. So it was really more like three years ago that I was like, I can't, I want to. And I feel like a bad person that I'm like, I can still be the visionary. I can still check in and I still love hands-on patience. Like, ⁓ but like we need to hand this baton to somebody better because I will die if I have to keep hiring and doing some of this stuff.   Kiera Dent (32:47) You   How did your team and doctors take that? Because I think people are so scared of like, well, why does Lauryn get to go have one or two days in the office and we're here five days? Like, did you have any of that backlash? Like, how did that go?   Dr. Lauryn B (32:50) And so.   they're continue, you know, like, yeah, your people are people are people. And we can't, we can't, as if I don't get, my husband has to talk me off a ledge, you know, once a month about like, can you believe, like, we, they're just humans who are also living their experience and wanting more money and like seeing you live abundantly and feeling feelings of jealousy. Like you can't cure anybody who says like they've cured jealousy.   from their team culture, they are lying. So like feelings of jealousy and greed, these are natural human emotions that your staff is going to go through. And so, you know, I would say that more recently as we, because like we're talking about like, hey, the clinic numbers are not good enough for...   Kiera Dent (33:36) Yeah   Dr. Lauryn B (34:00) abundance and bonuses and raises. We've told you what we need the clinic numbers to be at in order for raises to happen.   Kiera Dent (34:06) I hope everybody listening   just heard how she was a CEO and she told them, these are what the numbers are. This is what we have to do. It's not, me give you bonuses and pay you more in hopes to get that number up there. Like rewind that, listen to that over and over and over again, because you have to have this team needs to see that. Otherwise, this is how you don't make the money and keep the money. You make the money and you pay more money and you're broke. Go on.   Dr. Lauryn B (34:27) Yeah, and for the first, that's   how I got to the worst, the best worst year of my life, you biggest revenue, but worst income was because we had been giving raises based on like effort and like they're working really hard. They deserve a raise. So an employee can deserve a raise, but there's not money to give them. So like we're simultaneously this year dealing with like, hey,   I wanna give raises, but like it's gotta be here and we're close, but we're not there. They simultaneously see me just fucking killing it in the online space and spending, because also like in the personal brand, like I coach healthcare providers how to launch a personal brand. And so like I talk about like, hey, I got a $2,000 affiliate check. We invested $13,000 from crypto. If you go find me on Instagram @DrLaurynB, you will see like,   My posts are about abundance and what a personal brand can do for you and how like the behind the scenes of like, yeah, we are, we're talking about diversifying income. Like this is how much our real   portfolio made last month. People want to know that, but my staff sees that. And so they're like, well, she rich. Why is she trying to tell us   she can't give us, why is it? And so, so like even literally this month.   Kiera Dent (35:45) that we don't have money. because the business, the business.   Dr. Lauryn B (35:52) We're in like calm, kind, one-to-one conversations having to be like, you know, but I will say my husband and I, like, this is like real life. These are conversations that literally happened like a week and a half ago where I came to my husband because prior the clinic was all the money. It was all the money. It was the biggest thing. It was really in the last two years that things switched.   where it was like, now my clinic is like, when do we call my clinic my side gig? Because I'm literally making four times as much on this personal brand in digital space. ⁓ And so we realized that,   Kiera Dent (36:20) Yeah.   Mm-hmm.   Dr. Lauryn B (36:32) there isn't money for raises that they want. There isn't money for bonuses. But can I,   Lauryn Brunclik.   who loves my employees, can I give them, can I shower them with birthday presents and anniversary presents and Christmas presents? Can I buy them lunch because they saved my ass because I came in late from a podcast recording or this or that? Yeah, because Lauryn can, like the personal, like we are fine. We are rich, great, this is great.   But like my head was so like the only money from a business mind that we can spend is the money that's allowed. And it's like, no, no, no, no. Now we're entering a whole new ball field where it's like, you know what? I can, but it's not gonna come from bonuses and raises. Those come from clinic performance. And so we are kind of going like, okay, FYI, this isn't coming from chiropractic. This is coming from me.   Kiera Dent (37:30) Right.   Dr. Lauryn B (37:41) loving and appreciating all that you do in this clinic so that I can. So what does this look like? You take a week off and you go golf the greatest like golf whatever courses and like you just like have this bucket list thing. This looks like you showing acts of appreciation, bringing gifts, buying them dinner, like whatever it is like.   showing appreciation for your staff that they are there so you can live your best life. They were there so you could leave early and go watch your kids dance recital. So like, although our natural instinct is to only show them that we appreciate them through raises and bonuses, and that's what they want. So like anytime you can do it. ⁓   Kiera Dent (38:38) I agree.   I agree. I feel like both.   Dr. Lauryn B (38:40) Sometimes   you have to figure out more creative ways to show your appreciation to them that they are doing that so you can't.   Kiera Dent (38:49) I love that. Wow. Lauryn, this is such a fun podcast. think like to put a pretty bow on this. What would you say if a doctor, your listeners, my listeners, if they're listening to this, what would you say would be like, wrap up takeaways from I mean, we have gone the gown. I love this. I felt like we were on the most random road trip of like we were going to this stop going to this one.   Dr. Lauryn B (39:08) I'm not sure if we took this entire transcript   and uploaded it to AI. It would be like, no, you guys are amazing. Here's your silver thread.   Kiera Dent (39:17) That would be amazing. So what would you say would be kind of like key takeaways or things that maybe we didn't get to that you just feel like listeners, business owners, those running the day to day clinic, whether you want to be on whichever side of this burnout coin, if you want to be there and serve the patients but are sick of doing the business, if you're on the side of like, gosh, I like just want to run the business and do other things outside of this, like looking at the burnout, looking at the generations that we're going through. I mean, we went the gamut of   from investments and passive income to appreciating your team as you as a person rather than the business. Like so many fun, different like ideas and aha moments. Any last thoughts you wanna add to put a pretty bow on today's podcast?   Dr. Lauryn B (39:57) All well, that's a really hard question, but you're lucky I actually do have something to say. was like, oh God, okay. All right, so was listening to a podcast this morning. Simon Sinek had Arthur Brooks on, and Arthur Brooks is, I don't know, political science, behavioral science, I think behavioral science. And he just very briefly in the interview said that like,   Kiera Dent (39:59) I know. Hey, good, good.   Dr. Lauryn B (40:21) It's human nature that we go through a reinvention of our career and have to reinvent ourselves every seven to 12 years. And that's just, that's gonna happen. So from the time that you graduate high school until the time that you retire, you're going to need to reinvent yourself multiple times. And the more that you fight that, the more that you, you you're at that seven year itch or whatever,   and instead of embracing reinvention, whatever that looks like for you, maybe you're bringing on new services into your clinic. like, it doesn't need to mean you need to lean out at that point, but you might just need a little, like, re-ignition, a reinvention of your brand. ⁓ The more that you fight that and go, I shouldn't feel this way, what's wrong with me? Like, like if you're sitting there broke and you're just stuck,   in a place of instead of reinventing yourself into this wealthy, healthy doctor that you know you can be, but instead you're like, God, I'm 39. I don't have my shit together. I should be making more money. I should, like, the more you just sit in this, what's wrong with me? It's just gonna torture yourself. I truly believe that people, you know, let's say they get 12 years into their career.   I believe that there are ⁓ too high of a percentage of people that literally just plan on embracing the suck the rest of their career instead of reinventing themselves for something joyful and abundant. And that just makes me so sad. So that's what I would say is my final thing is if you feel wherever you're at in your career, if you're feeling this, like this is your permission. It's not from me, it's from Arthur Brooks. He's some smart.   Kiera Dent (42:17) Yeah.   Dr. Lauryn B (42:18) Like you were smart enough to be on Simon Sinek, all right? He's giving you permission. This is not just a unique thing. This is human nature. And so figure it out. What does reinvention look like for you? ⁓ And just start doing the work.   Kiera Dent (42:35) Lauryn, that was absolutely beautiful and I hope people listen. I hope they take action. They take advice. ⁓ Because I think what you just said is so freeing and so beautiful. So I really hope people don't just listen, but actually take action. So Lauryn, I love this today. It was so fun. How can people get in? It's a great time. I'm like when we in person, I guarantee you'll be someone we will be fast friends in real life. Like just loved having you on here today. How can people get connected with you? How can they see your   Dr. Lauryn B (42:51) We should meet up in real life.   Kiera Dent (43:03) life again, I believe like when we watch other people we become like them. So it's like, I want people like you. I want people that are abundant. I want people like this is what the podcast is for. This is why we bring people together. How can people get connected with you if they want to know more about you see what you're doing? How can they   Dr. Lauryn B (43:07) Mm-hmm.   yeah, and if you   related to this, you'll love my Instagram, because this is everything that I talk about. So it's @DrLaurynB and Lauryn is with a Y. So ⁓ Instagram is definitely the place I hang out the most. Send me a DM if you listen to this. Like I am in my DMs all the time. And I would just, yeah, that's the best place.   Kiera Dent (43:34) I love it. We are millennials. Instagram's our jam. We're not on Snapchat, all right? It's Instagram, okay? It's gonna be that way forever. But Lauryn, I loved it today. Thank you for joining me. Everyone here, I hope you picked up nuggets. I hope you take action. I hope you truly commit to living your best life. And as always, thanks for listening and I'll catch you next time on the Dental A Team   Dr. Lauryn B (43:37) This jam. Yeah.  

Text us a pool question!Andrea kicks off the episode venting about her latest headache — a string of finicky customers inside a gated community who think pool service comes with mind-reading included. From access codes that don't work to residents insisting their “pool smells too clean,” Andrea's got stories that'll make any tech feel seen. Paulette chimes in with her trademark humor and hard-earned wisdom, grounding the chaos with her calm-but-deadly insights on customer communication and setting boundaries.But the episode doesn't stay in the HOA drama zone for long — it quickly pivots into an impromptu chemistry deep dive. When one customer complains about chlorine levels “being too high because it smells,” Andrea and Paulette use the opportunity to unpack the truth behind chlorine chemistry, how Oxidation Reduction Potential (ORP) actually works, and why the “chlorine smell” myth refuses to die.They break down:What ORP means in plain English (and why it's a better measure of sanitation than free chlorine alone)How environmental factors like pH, sunlight, and CYA influence oxidation potentialCommon test kit interferences that can make readings go haywire — from residual monopersulfate (MPS) to copper and even dirty sample cellsWhy color-matching tests in the field are not the chemistry gospel some pool owners think they areAndrea's frustration turns into a mini chemistry class, with Paulette walking through troubleshooting steps that balance humor and hard science. The result? A perfect blend of real-world technician talk and science-backed pool wisdom that every service pro and water chemistry nerd will love.Key Takeaways:Gated communities = gated logic (sometimes). Access and attitude are both part of the job.Chlorine smell ≠ too much chlorine — it's usually chloramines, a sign of not enough free chlorine.ORP gives you a snapshot of water's true oxidizing potential, not just the chlorine ppm number.Test interference can ruin your data faster than a leaf in a sample cell. Know your kit, rinse your vials, and don't trust a color block alone.Customer education starts with confidence in your own chemistry knowledge.Closing Moment: Andrea ends the episode with a sigh and a laugh — “Maybe I'll just put up my own gate next time.” Paulette replies, “As long as it keeps the chloramines out.”Episode Length: ~42 minutes Perfect For: Pool techs who love a mix of field stories and chemistry truth bombs — and anyone who's ever been buzzed in by a gate code that didn't work.Hashtags: #TalkingPoolsPodcast #PoolPros #WaterChemistry #ORP #ChlorineMyths #PoolServiceLife #AndreaAndPaulette #CPOClass #PoolTechTalk Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Are You Missing Out on Real Estate's Best-Kept Secrets? Imagine investing in properties where: Tenants fix their own roofs You can boost income with a few tech upgrades Most investors are too scared to even look This episode reveals two underground real estate niches that could change your wealth strategy forever: Mobile Home Parks and Parking Lots Special Guest: Kevin Bupp, an investor with over $1 BILLION in real estate transactions under his belt shares how everyday investors are building wealth in places others overlook. Grab your FREE real estate investment white papers and unlock hidden wealth strategies at InvestwithSunrise.com  Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/574 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:   Keith Weinhold  0:00    Welcome to GRE. I'm your host. Keith Weinhold, talking about first mobile home park investing and then investing in parking lot assets. What makes them profitable? What gets investors excited about mobile home parks and parking lots? What are the risks and what's the future of both of these real estate asset classes? All with a terrific guest today on get rich education.   Keith Weinhold  0:28   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly. Again, 1-937-795-8989,   Corey Coates  1:40   you're listening to the show that has created more financial freedom than nearly any show in the world.This is get rich education.   Keith Weinhold  1:56   Welcome to GRE from Burlington, Vermont to Burlington, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. We are all firmly in the fall season. Now, autumn, if you prefer. And as we often do, we're discussing residential real estate investing today, but it's two different and distinct niches within that, and I guess they both have to do with wheels, as it turns out, mobile home parks in the first part of the show and then parking assets later today. I think there's a compelling future use case for at least one of those two to speak to our international audience for a moment, but this will actually help clarify things for you. If you're a North American too, though it's called a mobile home, well, it doesn't really have that much to do with wheels. There might not be any wheels on it. And if a resident lives inside one of these for, say, a decade, well then it's probably going to remain attached to that same location on the ground all 10 years. That's why a mobile home is often referred to now as a manufactured home. What it is is it's a factory built residence, constructed on a permanent chassis and then transported to a site. I mean, that's what we're talking about here, and they are a less expensive alternative to traditional homes that have, say, a cast in place, concrete foundation. So therefore, understand, mobile homes are affordable housing, highly affordable housing, and that's really important in this housing affordability crisis. And I've talked quite a bit about that on the show, and the meager national supply of that all types of affordable housing, they are recession resilient. I mean, that's just one reason why we love affordable housing types here at GRE where we're often buying rental property just below an area's median price. You know, people think of mobile home parks MHPS, that they're all crime ridden and that there are slumlords. But that is not true in every case. There are actually nice ones. If you're an MHP investor, you often only own the land beneath the structure, and not the mobile home itself. The resident owns the mobile home itself. So therefore, if there's a leaky roof or a window needs replacement, or flooring needs replacement, that is on the resident to fix, not you. MHP dwellers, they often don't have to pay property tax, though, because, like I said, they don't own the land. The landlord, or the community, therefore, is the one that has to pay the property tax. So there's some thoughts on mobile home parks for you, parking asset, real estate that's still settling into its post pandemic pattern with Return to Office mandates that aren't really fully matured yet. We're still settling in and seeing how that is going to look. And then when it comes to parking lots, you got to wonder about its future. When you consider the proliferation of autonomous cars, will that make parking lots obsolete? I'll have our guest address that longtime GRE listeners, you might remember episode 13 of this show, yeah, almost 11 years ago, that episode was about how autonomous cars will affect your future and your real estate and the very need for parking lots and a lot of what I discussed there in early 2015 that is beginning to come true, but this autonomous car adoption that is way slower than a lot of people thought. I mean, most Americans, they still have not been inside an autonomous car at all. A lot of people are still saying that they don't trust that that should change soon. But as for now, I'm just guessing that fewer than one in 10 Americans have been inside an autonomous car, probably quite a bit less than that. Today's terrific guest has over $1 billion in real estate transactions under his belt. This should be interesting. He is a specific investor in both mobile home parks and parking assets.   Keith Weinhold  6:26   Today's guest is a seasoned real estate investor entrepreneur, and he's a prominent voice in the space, because he hosts the real estate investing for cash flow show. He's built a strong reputation as an expert in two niches that have less competition than some other investments, and we'll discuss those two today. They are mobile home parks and also parking asset investments too often overlooked yet pretty profitable niches, and he and I have a lot in common. I'm on the Forbes real estate Council. He is on the Forbes Technology Council. He and I are both native Pennsylvanians. It's been quite a few years. Hey, welcome back to GRE it's Kevin Bupp.    Kevin Bupp  7:06   Hey, Keith, thanks for having me back. And yeah, excited to be here, my friend, and excited to finally get caught up. When you referenced that, it was nearly eight years since we last spoke. I was taken back a little bit because A lot's happened in past eight years.    Keith Weinhold  7:21   I know that's wild with where things are at. People didn't even know the meaning of the word pandemic when you were last here on the show, Kevin, let's talk about really the case for mobile home parks. I know they can be a strong, cash flowing asset once people are really dialed into them. I think what's interesting is, since you were last here on the show, really, from the pandemic on, it's been a well documented national story where lay people just know about how the supply of housing just is not adequate in order to meet demand, and what that usually means, just talking about the single family space is, of course, they're building, but they're not building fast enough to keep up with population growth and housing demand. But what's so compelling about mobile home parks is, I mean, they're barely even building them anymore, like they are contracting in supply in a lot of areas. So tell us more about the compelling case for mobile home parks.    Kevin Bupp  8:16   Yeah, well, you had a big one. You know? It's an asset class that has a diminishing supply, right? We can get into the reasons behind that. But, you know, just from a high level perspective, one of the other factors as it relates to, you know, available homes, available housing for the growing population, is that while they are building stick boat homes, they're not fulfilling the needs of those that actually need affordable housing. So there's not a lot of the average working household can't necessarily afford the starter home any longer, and so mobile home parks are unique. I truly feel they're the best vehicle to help us fill this void of housing, affordable housing that is really needed throughout the entirety of the country. I mean, there's very few markets in this country that are still affordable. There's some places you can still go buy. You can probably go to Flint, Michigan, buy a home for 50 or $60,000 but generally speaking, I think the median home price today, I think it's crested over 400,000 I don't have the exact number, but I do believe over $400,000 and the average starter family, or even folks that are, you know, just working two jobs, making 40, $50,000 a year, they can't afford to purchase that type of home, a $400,000 home. And so again, these mobile homes you had mentioned, they're not building mobile home parks any longer. However, they're still building new mobile homes, and it's kind of interesting what's evolved over the past 10 years. The quality of the product is it's like a night and day difference of what it looked like 1015, years ago, of the homes themselves to what they look like today, and what you get for your money. You know, the average single wide that we might be putting into a community, brand new home, 13, 1400 square feet. Someone could come in and for roughly $80.70 $80 a foot, can buy a brand new home that's never been lived in before, that's unheard of, that's absolutely unheard of when you compare it to the average or the median home price across the US today. So it really is kind of the last frontier, and it's typically any market that we're in, if you take the same comparable quality of an apartment complex in the same, you know, area of town, the same school districts, we're typically about 20% less all in cost to actually own your own home, versus that of even renting the comparable size apartment. So it's a very compelling reason for folks that are looking for an affordable place, but not just affordable, but clean, safe and quiet. I mean, like we run very respectable communities, they're in the really good school districts. They're places that folks are proud to live and raise their families, then,    Keith Weinhold  10:22   yeah, that's true. This would really help meet that affordability challenge, another problem that's been so well documented. Talk to us more about what makes mobile home park investing different from investing in single family rentals or even a fourplex or a 20 unit apartment building.    Kevin Bupp  10:40   A lot of the fundamentals are similar, and I would say that it's probably more comparable to that of an apartment complex to a certain degree. Just think of it as a horizontal apartment complex, where units aren't stacked on top one another. They're just layout horizontally more wider than they are tall. But the bigger difference is in most instances, we don't actually own the homes, so the residents own the mobile homes, whereas we as community owners own the infrastructure, we own the land. We own the roads, when the sewer lines, the water lines, the common areas, if it has a clubhouse, if it has amenities, so we maintain and we own all that collective area where the folks basically come and they bring their home, they fix it to the ground, and then ultimately pay a slot rent to have their home there on that premise. And so for us, it's very attractive in that the resident that's in their home, if they have a Roofing Leak, they have a plumbing leak, they have their HVAC system go out. They're not calling us like they enter an apartment complex. It's on them, yeah. So they're homeowners. And a couple other really attractive elements of that that come as a result of having residents that live there, not just renters, is that they're very sticky. And so just like in a standard single family subdivision, where you've got folks that might have lived there for generations, you just reference that your parents literally live in the same house, and so they've lived there a very long time. It is quite common to find residents and even multi generations of the same family that live in our communities. And a couple come to mind. We just celebrated a woman's 50th year of living one of our communities in brendalin. And so you've got sticky resident base. There's not a lot of turnover. And then the last big piece of it that is really attractive us is a homeowner mentality is very different than a rental mentality as far as upkeep. And so you got folks that they plant flowers, they ensure that their units have curb appeal, right? They put flags out, they put decorations out during the holidays. It's a lot more warmth than that of what you might find in a traditional rental apartment complex.    Keith Weinhold  12:26   So what all does the tenant pay for? You mentioned that they pay for the lot rent. What other expenses do they have? How does that look for them?    Kevin Bupp  12:36   Typically, you know, utilities. So they'll have their own individual meter. They'll pay, you know, direct to the utility company, utility provider, water and sewer as well. They'll pay for their water and sewer usage. And that can come in many different forms. Sometimes, where our communities have public utilities, where it's built directly by the utility provider, sometimes it's more of a private system, where we're actually acting and participating as utility provider and building them back for their usage. Really the standard things that you might pay for if you live in a single family home. I think so the areas where it might differ. And honestly, this is really community by community for us, some of our communities, literally, the residents, they pay for the utility use, but outside of that, literally, we mow the grass, we shovel their driveway, we shovel their walkways, we handle all those type of elements, whereas some other communities, the residents we might require that they actually maintain their own grass so they their own grass, so they have to mow it, or hire a a third party vendor to come in and mow it. They might have to actually shovel their own driveway. And a lot of how we run a community really is depend on how it used to be run when we took it over. You know, if it's not broke, we don't fix it. And so a lot of times we don't like shaking things up too much. If they're used to a certain way, we just keep it status quo and continue rolling on of how the prior ownership used to manage it really similar elements of what a folks, an individual living in a single family home, might pay for so very similar.    Keith Weinhold  13:48   Okay, so they pay you the rent for the lot. This puts nearly all the maintenance and repair burden on them. So is there any sort of HOA like body here?    Kevin Bupp  13:58   Not in our community. You do find some communities, and most of these that have an HOA are typically a community that's gone through more of a co op type arrangement to where the actual individuals only like fractionalized share of the community, the residents that live there, and so then they have a the oversight from an HOA that's managing the daily operations, managing the financing, managing the budget, things like that. But in our communities, no, there is not an HOA, I'd say the one other thing that's typically included in lot rent is they don't have property taxes, right? So we own the land, and so the individuals that live in these units aren't paying individual property taxes. A lot of states require that they have a registration fee, just like you do in your vehicle, that they would have to pay on an annual basis. And then most of them have insurance as well. You know they're covering you're carrying homeowners insurance on the actual dwelling itself. Outside of that, it's, again, just pretty straightforward,    Keith Weinhold  14:47   yeah. So here we are in this low competition, low supply niche that we're talking about here we think about communities and nimbyism and building, not in my backyard. ISM oftentimes that's a sentiment that residents of a certain area have, residents say something like, ah, we don't want this new 200 unit apartment building or mobile home park here in our single family home neighborhood, like, that's nimbyism. But in mobile home parks, to me, it seemed like nimbyism is often at a different level. It's at the government or the municipal level, like your town or city, might not want one, because it doesn't generate as much property tax revenue as a new single family neighborhood would. Is that the reality? Kevin,   Kevin Bupp  15:31    that's absolutely the reality. And that's why you don't see new parks getting built. I think last year, ones that I know of, there are about a dozen that were built, many more than that. They're actually shut down, you know, for redevelopment purposes. And so that is absolutely huge part of it. In fact, you know, it's frustrating, because pretty much every municipality across the country the topic of affordable housing, it's on the radar, and it's probably one that is discussed quite often. And in all reality, again, these mobile home parks really would help resolve that challenge at most of these you know, municipalities are the shortage of homes, affordable homes, that they're facing across the country. And so, you know, another big piece of it, you mentioned the tax basis, absolutely, you know, the municipality would make, they'd have much better tax revenue from pretty much anything else that could be built there. And so that's a big barrier. But the nimbyism piece of it, I think a big part of that is it's unfortunate. I think it's getting better over time. There's bad operators in our space, just like they're bad operators in the apartment space, just like there's bad operators landlords that have single family homes that just let them deteriorate over time and don't repair things. Unfortunately, we kind of get lumped all the mobile home parks get lumped in that bad bucket. And so while there's, you know, I always joke and say there's mobile home parks that are on the wrong side of town, wrong side of the tracks, right? You don't want to go to and during the daytime. Well, guess what? There's subdivision, the single family home, neighborhoods that are the same thing, and there's apartments that are like that as well. You don't go anywhere near them. And you've got the middle of the road, right? You've got just the good, hard working, blue collar folks that want to send their kids to good public schools. We've got those communities apartments are that way too single family home subdivision, you got white collar stuff. You got some higher end stuff. Unfortunately, we kind of all get lumped in that bad bucket. That's where the assumption that's made by folks that don't understand mobile home communities have never driven through one. They just assume that it's all, you know, basically, drug, sex, rock and roll, the wrong element that we do not want in our neighborhood. We don't want anywhere near us. It's going to devalue our home prices. And for that reason, you just don't see them getting built. It's unfortunate, but it's the truth.    Keith Weinhold  17:20   Yeah, I'm just thinking about the mobile home park that I drive past most often. It's sort of walled off. There's maybe an eight or 10 foot high wall around it. I don't know if that's something that the municipality erected to sort of screen its appearance off, or something that the mobile home park built, which is my guess as to who built it, but not all mobile home parks look blighted   Kevin Bupp  17:43   absolutely, yeah. And I don't know the case that you just referenced there. I mean, it could be for sound deadening purposes, if it's off of a busy road. It could have been something put up as far as just to kind of shield off so folks that are driving past don't see the community. My guess would be that's probably not the the reason that was built. But in any event, these are, there's, you know, we've got a number of communities, Keith, that if you drove through, and I didn't, if I blindfolded you and you drove in, so you went past the entrance, you went past a sign that said manufactured home community, and I took you down a road, you wouldn't believe that you were actually in a mobile home park. Some of these homes, they're double wide homes, and they look like ranch homes, and so they're actually laid out perpendicular to this, or parallel to the street, and then they have two car site built garages that are attached to them via breezeway. So they look like your traditional ranch style home, but they're absolutely 100% mobile homes that could be moved if you wanted to move them, and for a fraction of the price of what a neighboring single family home might sell for. So there's all different qualities. They all come in different shapes and sizes. But to my point earlier, some of these communities, they're not even affordable. There's actually, there's down here in Florida, we've got what we call lifestyle communities. It's very common out in Arizona as well, where it's a lot of times a second home for snowbirds, you know, retirees that want to come down and want to live an active lifestyle. You know, they want to have two swimming pools. They want to have an activities director. They want to have, you know, shuffleboard and pickleball courts and tennis courts, and they want to live this lifestyle. And those units are anything but affordable. In fact, there's many. There's a community down the road for me that, you know, their lot rent is $1,200 a month, and so you factor that in with probably a house payment. And you know, you might be looking at 2000 to, you know, $2,300 a month, all in for the house and the lot rent. And so not necessarily in the affordable scheme of things, but they come in all shapes and sizes and again, unfortunately, we just get lumped into that bad bucket. It's unfortunate because I do think that we could really help start making a dent in this affordable housing crisis. I don't how it's going to happen any other way. I really don't, because we can't build affordable products at this point in time. It's not possible    Keith Weinhold  19:37   a posh an exclusive mobile home park there that you're referencing in Florida. As paradoxical as that sounds, tell us, Kevin, how that really works, because I know you help investors get in to mobile home parks. Does this mean an investor owns a full Park? Or I wouldn't imagine you're just doing it at the level where you just own one lot and then have One dweller pay you the lot rent. So tell us about how it works from the investor angle.    Kevin Bupp  20:05   We have fund structures that we typically roll out through sunrise capital investors and any one individual fund will own somewhere between nine to 13 somewhere, typically in that range, mobile home communities. These communities can range in size from maybe as small as 80 or 90 lots to the largest community we own at present time is 780 lots. And so it's quite large. I mean, the size of a small town. But essentially, investors come in and they own a based on their investment. They own a proportionate share of the various properties that are owned underneath that fund umbrella. And so one, an individual, might come with 100,000 and own a smaller proportion share than someone that comes in with a million dollars. But they are owners. They're absolute owners. They participate in the cash flow, they participate in the the upside, and they participate in the proceeds. When we have capital events, either cash out refinances or potential sale events.    Keith Weinhold  20:56   Tell us more about why it's so profitable. Why do mobile home park investors get excited,    Kevin Bupp  21:01   as with anything, Keith, you know, you got to buy it, right? And, you know, we look at a lot of deals, and a lot of deals don't pencil like, if we bought it for what they're asking, we would make money. We might lose money. And so the money's made on the buy, just like with any other type of real estate investment. But I think the one factor that really has allowed mobile home parks to be an attractive investment vehicle over the past, really, the last decade, it's grown the attention of lots of different private equity groups, institutional investors, that 15 years ago, they weren't in the space, and the biggest reason is a lot of these. It's a very fragmented niche, and so there was no consolidation that existed 10 years ago. There was really only two public traded companies outside that. It was mom and pops, mom and pops, that typically owned one, maybe sometimes two or three communities, but it was just a very fragmented niche. And what you find those fragmented niches that there's a lot of inefficiencies that exist in the operations. There's a lot of inefficiencies that exist with regards to utility management or managerial oversight within the community, or even keeping up with market rents. And so very often, we'll get into a community we just bought one at the end of last year, and right outside of Ann Arbor, you know, great sub market in Michigan. It's it literally has never traded hands. It was built back in the 80s by the gentleman we purchased it from. He was a subdivision developer, but he got into the manufactured housing space, so he built this, what looked like a subdivision, but it was mobile homes and and he basically owned it up until we acquired it last year, but gorgeous community, well maintained, needed some upgrades, different amenities that just were a little worn out and tired. But the biggest element within that community was that the market rents in the local area were roughly $800 a month. $800 a month for lot rent, and when we purchased it from him, the average lot rent throughout the community was $477 so there was a significant loss lease that exists. And we see this quite often with just over time they've owned it, free and clear, they go 567, years out, doing rent increases, and sooner or later, they find themselves in a situation where they are severely below the local market rents. And so there's typically a lot of loss, at least recapture, that we find going into these communities. Sometimes we'll also go in and we'll find there's a lot of waste with the water and sewer cost. It might not be billed back for usage to the residents, to where if you're not paying for something, sometimes you're abusing it. And a lot of times we can go in and put individual meters in and almost send entirely that savings down to the bottom line and find it as additional noi on our PNL. And so it's just inefficiency of operations, and again, quite common, given the mom and pop nature of this asset class. But it's very quickly becoming consolidated. Now it looks very different today than what it looked like as far as the ownership groups. When I go to an industry event 10 years ago, those other guys like us, and then a lot of mom and pops. Now it's, you know, the likes of reps from Blackstone and Carlisle group and and got lots of other institutional groups that are showing up there. So just it's very different world, and probably more akin to that of what the apartment sector looks like, as far as ownership groups and the consolidation that's happening.    Keith Weinhold  23:52   You're feeling more of that competition. Kevin and I are going to come back and talk about another, I suppose, real estate investment that has something to do with wheels, and that is investing in parking lots. I'm your host, Keith Weinhold   Keith Weinhold  24:07   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point because even the word abbreviation is too long. My letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video course, completely free as well. Now it's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com   Keith Weinhold  25:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.   Ted Sutton  25:51   Hey, it's corporate directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  25:59   welcome back to get rich education. We're talking about two real estate investment niches with Kevin bump today, an expert in both mobile home park investing and in parking lot assets. And Kevin, I got to tell you, I am more skeptical about parking lot investing than I am about mobile home park investing, but you can probably help me with this. I think we know that. I mean, gosh, just historically, ever since Henry Ford did his thing. I mean, mass transit adoption is really slow in most US cities. But anymore, one needs to wonder, okay, can autonomous cars disrupt the parking model? A Robo taxi can just constantly stay on the road, dropping off and picking up passengers where, you know, some people foresee a day in the not too distant future that people won't even need to own cars. They'll sort of have a subscription to a car service, but now this is where your expertise is. So I'm sure you thought above and beyond that. So what are your thoughts there, just for the need for parking spaces?    Kevin Bupp  27:11   You make a valid point. I think the adoption of that, it's, I think it will be very different from market to market, say, the city, whereas, if you want to maybe look at one area. We have a parking garage today in downtown Phoenix, Arizona. Phoenix is very much a driving city. It's parsed out very far the public transit. It's not great there. And again, it's just it's a wider state, whereas, if you compare it to like a San Francisco, the adoption of Robo vehicles and robotaxis and things like that autonomous vehicles is much, much faster than that of a of a phoenix. But also San Francisco is much a much more consolidated marketplace as far as the urban core. And so for that reason, you know, we look at parking, it's got a there's a couple things also that feed into that. So I want to back up a little bit. One of the major changes that has been really playing out over the past 15 years within the parking sector is that building departments within now, I think it's over 100 cities across the country. Denver just announced last week that they're also adopting this policy. And that policy is that historically, if you were Keith, you're going to go on, hey, I want to build this in downtown. I want to go build this apartment complex, condo complex, mixed use property, whatever it might be. Historically, they would have required you, whether you wanted to or not. They would have made you put in a certain amount of parking per 1000 square feet, every municipality would have a formula. And what, what a lot of these cities realized a couple decades ago is that, based on their, you know, antiquated formulas, they had a surplus of parking available on a lot of these downtown areas. You know, it wasn't being used. And given the developer an opportunity and the choice to say, Hey, do I want to build 20 more parking spaces that aren't going to get used? Or I want to build want to build 10 more apartment units, they're going to choose the apartment units. And so the parking mem requirements have been taken away, have been eliminated in a lot of cities over the last decade plus. And so that's created a shrinking supply of parking because now when developers build something, they're building only as much as they need, sometimes not even as much as much as they really need, because then they can still rely upon other ancillary parking structures within the immediate marketplace. And so, so there's a shrinking supply of parking. And every city that we own in today there's a massive shrinking supply of parking. So that's big piece of it that we know that inevitably, if we get the location right, an area where literally, you wouldn't be able to afford, based on the cost of construction and the cost of lands, they wouldn't be able to afford even building new parking structure, if you so chose to. And now that there's also a shrinking supply, diminishing supply, of this parking that we can be comfortable in our demand for our product, and so to the point of like autonomous vehicles and things of that nature, I do think there will be a time. I don't know how long that time is. I do think that there will be a time where we'll see some sort of impact. I don't know what that is. And so how we underwrite deals is we feel very confident over the next 10 years. We have to have a absolute confidence level over the next 10 years that there's going to be continual demand based on the various factors within this marketplace, the demand drivers that are servicing that garage, like, who's parking there, why they're parking there. But second to that, when we. Buy something. We need to have the air rights. We know that there inevitably will be a higher and better use. So Location, location, location, it's got to make sense today as parking. We got the underwriting has to stand on its own as parking, and we have to have a comfort level that 10 years, there will be sufficient demand throughout the duration of the next decade, in the event things start changing down the road, we know that, literally, the lowest use that it could ever have is its present use, which is parking because it's just a concrete structure, sometimes just an asphalt parking lot, to where, once you go vertical, that's where you're going to be able to unlock a lot of additional potential. And so we don't underwrite the future. We look at that as icing on the cake. But we know, based on the the location, the proximity to, you know what else is happening in that marketplace, that location will be in demand, not just today, but many decades to come. So I'll stop there and see if you have any clarifying questions.   Keith Weinhold  30:51   I think about how for the parking lot investor, Jamie Dimon has been really good for you. He is so hard on the return to Office. Mandate?   Kevin Bupp  31:01   Yeah, I'd say one thing that's important to make note is, I don't know what the future holds for office I tend to make the argument that wherever picking office building in a marketplace, wherever they're at with occupancy today, I think it's probably as good as it's going to get. We don't have to go down that rabbit hole. But I just I feel like it's been long enough since covid. And don't get wrong, there's gonna be a few companies that are going to be pressed that are going to be pressing, you know, in a big way, to get people back, but I think 80% of them that we're going to go back are already there. And so any parking asset that we look at, if it's got more than 10 or 15% as far as relationship with an office building or multiple office buildings in immediate vicinity, then we typically pass on it. And on top of that, it's got to have a variety of demand drivers. So it just can't be supportive of one or two different demand drivers. We have have at least five. And so it can be a courthouse, municipal buildings, sports arenas. It's got to be a 24/7 city where there's something happening, 24 hours a day, seven days a week, hotel, valet, restaurants, retail, things like that. And office has to be a very minimal part of that makeup, or else we just move on, because I don't know how to fix it. How to fix that problem yet. I don't know what's going to you know what the future holds for your traditional office towers, especially the ones that are, you know, 50, 60% vacant at the present time? Yeah, that's interesting, because when you look at a parking lot and you're evaluating its potential and its current use, yeah, you're basically thinking about, what is that tenant mix. You don't want 100% of it to be for one office building. You would probably want a number of uses. That's correct. Yeah, absolutely. Again, like I said, Five is our minimum. I mean, the more the merrier. And I'd say another big piece of it, if we had to look at the different demand drivers and put a value or a hierarchy of what we feel, what are the highest priority demand drivers, transient is the best. I want to know that the folks that are coming there, there's enough attractions in immediate vicinity, and we need to know what those attractions are, and better understand those attractions. But there's a variety of attractions in the immediate vicinity to where it's going to continually attract transient parking. So it's not just it's not a reliance upon one thing. And so, for example, we just closed on a garage in historic Philadelphia, and so it's a block away from Liberty Bell, two blocks from Independence Hall, any of other museums. I mean, like it's it is we talk about location, location, location. It's there that part of Philadelphia has been in demand by tourism for hundreds of years, and I don't foresee that that changing anytime soon. And so 70% of the makeup of the traffic in that garage is made up of transient traffic, so folks that are visiting the various attractions and immediate vicinity. So even if one of those attractions went away, which most of them are historical, they're not going to go away. If one or two did, it still wouldn't have that significant of an impact on the parking demand.    Keith Weinhold  33:36   That's interesting. Okay, a transient customer, not one that's showing up and parking there every day to go to work. And yes, the Liberty Bell, Independence Hall, there's going to be a long term demand to see those sorts of things in person. So that's an interesting way to think about that. And Kevin, while we've been talking about parking, at least in my mind's eye, a lot of times, I've just been thinking about one paved at grade parking area, but we're talking about parking garages as well. Or what are some of the trade offs there between parking garages and an at grade parking lot?    Kevin Bupp  34:08   Yeah, I mean, at grade parking lot is, can't get any simpler than that. I mean, typically they're asphalt or sometimes just crushed gravel, but that's it. So as far as future capex requirements, there's not many, right? It's very, very minimal. Whereas a parking garage, especially if it's in a colder environment, where there's snow and you've got salt on the road, salt that's making its way up the concrete, seeping into the cracks, you've got structural rebar issues to worry about, things of that nature. So weather can take a major toll on parking structures if they're not maintained well. Whereas you know the worst that could happen the same weather, you know, the weather takes the same toll on these asphalt parking lots, but it really only equates to maybe a pothole that you have to fill in, and a parking structure could be deteriorated to the point of no return if it's been neglected long enough to where it might be unsafe, structurally where you know now you're you're getting condemned or shut down. So big considerations there, it's interesting. We Own, the one we own in Phoenix, the Phoenix, it's a desert. It's a desert climate. They get very little moisture. And that was that parking garage was built in the 60s, so very long time ago. It's the oldest thing we have in our portfolio, but it better condition has been preserved better than that of of a recent garage we purchased that was built in 1990 that's all the environment that's in. You know, there's really not much that can deteriorate concrete once in the desert.    Keith Weinhold  35:22   Was there any last thing on parking lot investing like something that gets an investor really interested in this asset class? What's really compelling and profitable about it?   Kevin Bupp  35:33    It's very technology driven business, and what we have found is a lot of these parking assets, of either they're owned by, you know, an individual investor, or if they happen to be owned by an institution, they've never been viewed as the primary investment vehicle. A lot of institutions that own parking garages, they happen to own them by default, because maybe they bought the two office towers years back, and it just happened to come with parking right? And so a lot of times, they've been somewhat neglected, like the PnL has been neglected. They haven't found ways to really extract all the value out of these parking facilities. And so very commonly, we'll go in and we'll find that the technology that's in place is 10 years old. And think about what a computer 10 years ago look like, right? Like it's you're not catching all the license plates. You're not able to log in and adjust pricing in a dynamic manner based on supply, demand factors. And so we can simply go in and just create a more efficient pricing model and find sometimes, you know, 10 15% of additional revenue just from doing those simple things, like literally a few $100,000 worth of upgrades and technology, we can add millions of dollars of value. There's other factors, you know, just simple things folks want to park in a not just clean and safe, but well lit. You know, they want to feel safe in lighting. And we'll find parking facilities that still have old halogen lights. Half of them are burnt out. If you start serving people, they're actually not parking there in the evenings. They're finding somewhere else to go because they don't feel safe. And so just going in and doing a revamp, you know, an upfit with LED lights, making it nice and bright, bright and clean and letting everyone feel safe, we'll find a instant increase in demand and Parkers in the later evening hours. So I mean just little simple operational tweaks that we can make that just have simply been overlooked for many, many years by the prior ownership groups.    Keith Weinhold  37:15   That's really interesting, that oftentimes the owner of a parking lot owns that parking lot as an afterthought, because they were in it to purchase the building that accompanies the parking lot. So it would make sense that when you focus on that parking lot, you could really add value and profitability to that lot. Well, Kevin, these have been interesting chats between mobile home park investing and parking lot assets. I think that the commonality here is that you the investor, are just owning a lot, and therefore the maintenance and hassles with these things are really low. This gives our audience an awful lot to think about. So Kevin, are there any last thoughts that you have about this space overall, and then please let us know how our audience can learn more.    Kevin Bupp  38:02   No additional thoughts. I don't believe I'd say that if you have an interest, if we've piqued your interest at all, we've written a number of white papers on both asset classes, both parking as well as mobile home parks. You can download all that for free on our website. Invest with sunrise.com We've got a number of other case studies on our website. We're pretty transparent. Well, what we buy, what we've owned, what we've exited out of. We'll go as far as providing appraisal reports and third parties and things like that on our website. So if you just want to get a sense of not just who we are, what we do, but just have a better understanding of the investment thesis behind parking and manufactured housing, there's tons of resources that you can download from the website.    Keith Weinhold  38:37   Well, that's a great way to learn more about Kevin, what he does, and then maybe even invest alongside him. Well, Kevin, it's been valuable and eye opening. It's been great to have you back on the show.    Kevin Bupp  38:46   Yeah, thanks for having me, Keith. Been a lot of fun, my friend. Good seeing you again.   Keith Weinhold  38:57   Yeah? Good stuff from Kevin there. The MHP space becoming more consolidated and corporatized too. You know, single family rentals are different from mobile home parks in that way. I mean, 90% of single family rentals are owned by small mom and pops, which means those people that own between just one and five properties, Kevin used the term loss to lease a few times. That phrase loss to lease being a real estate education show what that term means is really a lot like how it sounds. It is the potential income that a property owner misses out on because the actual rent collected is less than the current market rent. That's what loss to lease means. Though, I like the long term future of mobile home parks more than parking deals. You know, Kevin did, though, have some great answers for why he still likes parking. He focuses on a 10 year horizon. He. Looks for at least five use types for the parking. And then another great point is that in a lot of cases, the land that the parking occupies is its lowest use. So therefore, when they sell the parking area, they can get some nice exit income. That makes a lot of sense. And being two native Pennsylvanians like we are, I am familiar with that part of Philly that he's talking about. In fact, what's funny is that, in producing this show today, I guess cookies are doing their thing. This parking lot deal in Philly just appeared in my Instagram feed next week on the show, it'll be back to no guest. It's going to be all me, and you're going to hear some things that you wouldn't expect to hear Until then, I'm your host, Keith Weinhold, don't quit your Daydream.   Dolf Deroos  40:51   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.   Unknown Speaker  41:19   The preceding program was brought to you by your home for wealth, building get richeducation.com

(October 06,2025)HOA attorney Michael Kushner opens the 8am hour talking about Assembly Bill 130 passing and limiting most HOA fines to $100 per violation and banning late fees or interest on these fines. Trump finally announces the details of UFC fight at the White House. Married couples are ditching their shared bank accounts.

Spencer Reese and Jamie deliver a no-nonsense, tough-love episode for military families struggling with paycheck-to-paycheck living. This episode cuts through excuses and provides three immediate, actionable steps to regain control of your finances and stop the financial bleeding. If you're stressed about money, fighting with your spouse about finances, or feeling overwhelmed and behind—this episode is your emergency action procedure. Topics Covered Three Immediate Actions: Delete Social Media Apps - Remove the influence of billions of advertising dollars designed to manipulate your spending decisions Create Intentional Inconvenience - Delete delivery apps (DoorDash, Uber Eats), switch to debit cards or cash, freeze credit cards, eliminate "buy now, pay later" options Cancel All Subscriptions - Cut Netflix, Disney+, Amazon Prime, Spotify, and every other recurring charge until you're financially stable Key Financial Concepts: Emergency action procedures for financial crises The power of adding friction to spending habits - will power vs. won't power Why making life temporarily uncomfortable leads to long-term wealth Technology spending (why kids don't need $1,600 iPhones) The importance of game selection in personal finance Emergency funds turning emergencies into inconveniences Net worth tracking as a behavioral tool The Wealth Ladder Framework (Nick Maggiulli): Level 1: Less than $10,000 net worth - Focus on avoiding financial traps Level 2: $10,000-$100,000 - Avoid buying houses you can't afford, keep working hard, invest in TSP and Roth IRA Level 3: $100,000-$1 million - Where compound growth accelerates Level 4: $1 million-$10 million - Achievable for military families over a career Levels 5-6: $10 million+ - Beyond most military aspirations Common Military Family Mistakes: Spending more on housing than BAH covers Buying houses with 0% down and getting stuck Purchasing vehicles beyond their means Lifestyle inflation and comparison spending Technology overspending on devices and subscriptions Long-term vs Short-term Strategy: Short-term (Emergency Mode): Cut expenses, save the difference, get out of debt Long-term (Wealth Building): Increase income, spend on what matters, maintain healthy savings rate Books & Resources Mentioned Books: The Comfort Crisis by Michael Easter - On the benefits of doing hard things The Opt-Out Family - On intentional family living Taking Your Family Back - Family relationship guidance The Anxious Generation - On technology's impact on children Dave Ramsey's principles (referenced) Tools & Resources: Libby app - Free audiobooks and ebooks MWR library system - Free military library access Net worth tracking tools Cash envelope system for budgeting Military OneSource - Free financial counseling Base financial counseling services Concepts Referenced: Nick Maggiulli Wealth Ladder framework Dave Ramsey's "pay yourself first" principle Emergency fund philosophy The 12-step program approach to financial recovery Key Quotes "Life begins just outside your comfort zone." "You have to be careful about game selection because you can win at the wrong game." "If you're the problem, you're also the solution." "As you build wealth, you stop having emergencies." "Your overspending isn't hurting me. It's not hurting Jamie. It's only hurting you and your loved ones." "You don't need to wait for financial independence to start living like you're financially independent." Practical Examples Shared Spencer's story: Freezing credit card in ice as a young lieutenant Jamie's debit card sleeve with debt payoff reminders The $1,000 emergency oil pan repair that didn't derail finances Military families spending $3,000 on housing with $2,000 BAH Hawaii homeowner unable to sell due to rising HOA fees 2022 home purchase with 0% down, now unable to sell Peloton subscription cancellation saving $132 over 3 months First graders with iPhones creating peer pressure Target Audience This episode is specifically for: Military families living paycheck to paycheck Service members stressed about money Couples fighting about finances Anyone in credit card debt or feeling financially overwhelmed Military spouses managing finances during deployments Young service members (E1-E5, O1-O3) establishing financial foundations Anyone ready to make radical changes to their financial situation Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Discover the latest on the ARRL's Amateur Radio Emergency Preparedness Act with our in-depth breakdown of H.R. 1094 and S. 459. Learn how these bipartisan bills aim to protect ham radio operators' rights against restrictive HOA antenna rules, ensuring vital emergency communications during disasters like hurricanes. We cover the bill's key provisions, ARRL's nationwide grassroots campaign, and why this legislation is crucial for amateur radio enthusiasts. Whether you're a licensed ham or just curious about radio parity, watch now to join the push for passage and safeguard public service radio! #ARRL #HamRadio #HR1094 #S459Support the ARRL Teachers Institute - https://arrl.org/30daysKG5VK Letter - https://sdxa.blogspot.com/2025/09/hoa-bill.htmlSend your letters - https://send-a-letter.org/hoa/Become a supporter of this podcast: https://www.spreaker.com/podcast/ham-radio-2-0--2042782/support.

Ready to tackle fall projects without stepping on hidden landmines? We kick off with a hands-on deck build—why we chose two-by-sixes over five-quarter boards, used a camo jig to hide fasteners, and saved big by assembling stainless cable rails from components. Then we widen the lens to what really protects your home: how aluminum rails beat rust at the coast, when PVC makes maintenance easy, and why looks-versus-longevity is the trade you should decide up front.From there, we dig into the myths that cost homeowners the most in North Carolina. Flood risk isn't just for the coast—Raleigh and the mountains have real exposure, and flood policies cap out fast. We break down replacement cost versus actual cash value, the 80% insured-to-value rule, and why an annual call with your agent can save you tens of thousands when storms hit. Termites aren't covered by standard policies, slab homes get chewed more often, and a low-cost termite bond offers the inspection, treatment, and paper trail future buyers trust.We also draw a bright line on what to DIY: swapping a light is one thing, but bigger electrical work needs permits and documentation or it can trip fines and kill a sale. HOA power under North Carolina's Planned Community Act surprises a lot of buyers—think fences, sheds, paint, and pools controlled by covenants with daily fines. And if your basement “waterproofing failed,” it probably didn't; it's your gutters and grading. Watch your house during a rain, extend downspouts, and ensure positive slope. To wrap, we hit septic pumping schedules tied to real household load and how revaluations push taxes and insurance—plus how to contest assessments and right-size coverage.Subscribe, share this with a neighbor who loves a project, and leave a review with the one myth you're double-checking this week. Your question might shape our next show.

Taylor Swift's new album dropped. It's called “The Life of a Showgirl.” Andy plays a little bit of it on air. Baller Hardware store in Silverlake, which has been around since 1959, has become super cool, with the store selling merch to hipsters. People are driving dangerously slow in Ohio. And California HOAs are finally facing fine restrictions. Taylor Swift has just posted on social media about her new album; Andy reads it out on air. Rolling Stone has already reviewed the album and gave it five stars. In Brentwood, the beloved faux fiberglass dinosaur at the gas station has been stolen, and locals are upset. Breaking news, a large fire has broken out at the Chevron Refinery in El Segundo. 

There’s a new Homeowners’ Association trying to muscle its way into Night Vale, and the residents of the Desert Grove neighborhood have a lot of questions. Will the new HOA have rules against owning more than 36 iguanas? Are abandoned cruise ships on the front lawn still allowed? And for crying out loud, what are... The post Binary System Podcast #475 – WTNV #274 “The HOA” first appeared on Pixelated Geek.

Welcome to Paraween, presented by the ParaPods Network! This Halloween, Amanda's been host-snatched—spirited away to the And That's Why We Drink feed for some haunting hijinks. In her chair this week sits Jethro Gilligan Toth, co-host of Box of Oddities, joining Trevin for a truly bone-chilling petty crime deep dive. Together, they unravel the bizarre rise of the 12-foot Home Depot Skeleton — from its spooky origins and DIY folklore roots, to the crime wave of skeleton thefts that swept the suburbs. You'll hear about Skellynappers, HOA horror stories, out-of-season skeleton displays, and neighbors turned vigilantes. It's a tale of Halloween capitalism, petty vandalism, and the unbreakable spirit of spooky season. But between all the bones and bad behavior, Trevin and Jethro find something even stranger — friendship. From bragging about their wives to bonding over their shared fascination with death, the two discover they might just be soulmates from the same crypt. And stay tuned for a special treat: Trevin closes the episode with The Spirit Halloween Theme Song by comedian Nick Lutsko — because no Halloween story is complete without a musical séance.

In this episode, our guests Dr. Sabrina Hoa and Dr. Marie Hudson explore new insights into late-onset interstitial lung disease (ILD) in scleroderma. Using data from the Canadian Scleroderma Research Group, they discuss how ILD can still develop years after diagnosis, challenging traditional screening timelines. They cover key findings, clinical implications, treatment patterns, and the need for more inclusive trials. The conversation also touches on mentorship and what's next in scleroderma research. 

Nous sommes en septembre 1934 , lors de la rentrée scolaire, à Bruxelles. Simone Hoa, née dix-huit ans plus tôt, en Chine, a fait son choix. La jeune femme, qui vit en Belgique depuis deux ans, a opté pour l'Ecole de La Cambre, fondée en 1927 par Henry van de Velde, l'un des fers de lance du mouvement Art nouveau. C'est ici que débute l'une des belles pages architecturales du vingtième siècle. Belle et … discrète. Vingt-quatre ans plus tard, a lieu le première exposition universelle de l'après-guerre. Elle se tient dans la capitale. L'enjeu pour la Belgique est énorme : il s'agit de démontrer un leadership en termes de modernité. Le commissariat général de l'exposition a dressé une liste d'architectes dont le travail semble approprié et pertinent. Simone en est absente. Elle a pourtant eu le temps de faire ses preuves. Elle est une architecte reconnue qui a travaillé sur différents projets comme le stade de Jambes. Et surtout, elle a pris toute sa part dans la nouvelle grammaire architecturale. Pourquoi cette absence ? La réponse semble évidente. Mais il en faudra plus pour décourager cette femme eurasienne, résistante, déportée lors de la Seconde Guerre mondiale, mère célibataire et auto-entrepreneuse. Eclairons, aujourd'hui, le parcours d'une architecte qu'il s'agirait de ne point oublier : Simone Guillissen-Hoa. Sujets traités : Simone Guillissen-Hoa, architecte, eurasienne, résistante, déportée, Seconde Guerre mondiale, Art nouveau. Avec nous : Caroline Mierop, architecte et urbaniste, autrice, avec Jean-Pierre Hoa (architecte) de « Simone Guillissen-Hoa – Architecte » ; Prisme Merci pour votre écoute Un Jour dans l'Histoire, c'est également en direct tous les jours de la semaine de 13h15 à 14h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes d'Un Jour dans l'Histoire sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/5936 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : L'Histoire Continue: https://audmns.com/kSbpELwL'heure H : https://audmns.com/YagLLiKEt sa version à écouter en famille : La Mini Heure H https://audmns.com/YagLLiKAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Gather ‘round, adventurers, and mind the cackling in the corner. Tonight, the RPGBOT coven summons forth the secrets of hags in Dungeons & Dragons and Pathfinder. These monsters aren't just creepy old ladies with a fondness for curses—they're the nightmare consultants you never asked for but always fear. Clipboards, cauldrons, and catastrophic contracts await… Welcome to Spooktober 2025! Spooktober is here! All month long we're unearthing horror monsters in D&D campaigns and spooky RPG villains you can use to haunt your tables. For more terrifyingly good advice, visit RPGBOT.net and sharpen your stakes. RPGBOT.Podcast Episodes Playing Druids Naturally – DnD 5e – RPGBOT Other Stuff Kobold Press' Deep Magic Show Notes Welcome to another chilling installment of Spooktober, where the monsters are spooky, the lore is thick, and the jokes are terrible. In this remastered episode from Spooktober 2023, the RPGBOT.Podcast coven of Tyler Kamstra, Randall James, and Ash Ely crack open their cauldron to stir up the horrors of hags in Dungeons & Dragons and Pathfinder. If you've ever thought your adventuring party could benefit from a management consultant with a taste for children and curses, then a hag is exactly what you're looking for. We'll dig into their monster lore, explore how they serve as spooky RPG villains, and brainstorm ways to roleplay hags as the creepy consultants no group asked for but every group fears. Expect a mix of hag encounters in tabletop RPGs, practical tips for Dungeon Masters running horror campaigns, and enough cackling to summon your HOA president. Whether you want to know how to roleplay hags in D&D, need advice for Pathfinder 2e hag encounters, or you're just here for some Halloween RPG fun, we've got you covered. Because at the end of the day, what's scarier than a hag? …A hag with a clipboard. Key Takeaways Hags are more than just creepy old ladies: They're one of the most iconic horror monsters in D&D campaigns, bringing curses, bargains, and terrifying influence. Hag covens = nightmare fuel: Three hags working together can break your campaign faster than an over-optimized wizard. Consultant joke actually works: Hags thrive on manipulation, “process improvements,” and long-term influence—making them perfect for roleplay as nightmarish consultants. RPG versatility: From Dungeons & Dragons hag lore to Pathfinder 2e hag encounters, they're adaptable to nearly any tabletop horror campaign. Player engagement: Hag encounters work best when tied to storytelling and character drama, not just combat. Spooktober vibes: This episode doubles as a Halloween RPG podcast treat—perfect for GMs looking to add spooky monsters to their seasonal one-shots. If you enjoyed this episode of Spooktober, share it with your gaming group, summon a friend to the RPGBOT coven, and leave us a review wherever you listen to podcasts. And remember: always read the fine print before signing a hag's contract… Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Jonathan Brown, Owner of GUD Community Management, joins Mesa Chamber President and CEO Sally Harrison in discussing the origin of GUD and addressing common misconceptions about HOA management.  Learn more about GUD Community Management at www.gudhoa.com. The Mesa Chamber of Commerce Inside Business Podcast is a production of the Mesa Chamber of Commerce. Inquiries regarding the MCIBP can be made via email to info@mesachamber.org. The Podcast interviews members and individuals/organizations on topics of interest to Mesa Chamber members. Learn more at mesachamber.org. ©2025 Mesa Chamber of Commerce

Hello and welcome to the 595th installment of Linux in the Ham Shack. In this short topics episode, the hosts discuss that latest ARRL campaign to defeat HOA antenna restrictions, …

We've got legal drama and we think by the end of this one you'll be on the HOA's side! Or will you?

We discuss the reintroduction of a bill proposed to Congress in 2023 to allow ham radio operators to erect antennas in deed restricted communities, and the grass roots effort to get it passed. The post TWRS-206 – Will We Have Ham Antennas in HOAs in 2025? appeared first on Buy Two Way Radios.

Miguel shared how his HOA tried to kill his Halloween spirit, sparking a hilarious neighborhood rant, while Holly revealed how her secret “code word” plan to manage her drinking totally backfired. Plus, listeners debated whether Tay was the a-hole for wanting to sell her unemployed friend's Breakaway Music Festival ticket — and they did not hold back!

Hosts Regan Brown and Bill Mann, President of GB Group Construction & Painting, sit down with Kaitlyn Cogan, General Manager at Tesoro Viejo Homeowners Association, to talk about the challenges and joys of managing Halloween celebrations within an HOA. Their discussion covers decoration guidelines, community engagement, safety concerns, and how fostering a festive spirit can strengthen the sense of community during the holiday season.

Send us a textMarriage 2.0, an eight-year-old's gelato grift, HOA espionage at the pool, PE squats vs. aging knees, Talk Like a Pirate Day, a lovingly irreverent “Seven Things To Do Before The Rapture,” rapture panic history, Amanda's Flashbackst imeline quiz (Josh gets humbled), and a cozy equinox call to touch grass, maybe before the hurricane. Ends with a gloriously absurd “rapture roll call” in the credits.Content noteMild language, rapture satire, HOA chatter.Super Familiar with The Wilsons Find us on instagram at instagram.com/superfamiliarwiththewilsonsand on YoutubeContact us! familiarwilsons@gmail.com A Familiar Wilsons Production

EPISODE DESCRIPTION In this episode, Host Steve Tinnelly interviews Ramona Acosta on their newest adventure, CAM University, established to create supportive relationships with management company partners by leveraging Tinnelly Law Groups legal and community management expertise to provide a professional training and development program that takes the individual manager from the CMCA certification to the PCAM designation. KEY POINTS First California edition of a prerequisite course that complies with state certification requirements Approved by CAMICB as a prerequisite course for your CMCA designation California-specific community management education program covering: Budgets, reserves, governance, legal issues, HR management, meetings, property maintenance, ethics and much more Course is approved alternative to CAI's M-100 California Edition Receive California-based instruction for your CMCA in LESS time and money ABOUT OUR GUESTS Steven J. Tinnelly, Esq. is the Managing Partner of Tinnelly Law Group. He is known for his exceptional writing, analytical and negotiation skills, and providing general counsel representation to many of the firm's larger HOA clients throughout the state. Mr. Tinnelly is very active within the community association industry and devotes a substantial amount of time to educating homeowners and industry professionals about the legal issues affecting California community associations. Read more Ramona Acosta, PCAM is the Director of Operations & Business Development for Tinnelly Law Group. Ms. Acosta directs and manages the firm's business development, marketing, public relations, and client relationship management efforts. Her success as a community manager and management company executive, coupled with her extensive knowledge of the California laws pertaining to HOAs, provides significant value to our clients and the professionals who manage them. Read more

Always consult with your HOA prior to make any changes to your landscape. I do not provide legal advice. This episode is for entertainment purposes only.

Rock skipping and HOA horror stories on News Radio KKOBSee omnystudio.com/listener for privacy information.

Welcome to another eye-opening episode of the Building Your Money Machine Show. Today, I'm pulling back the curtain on a financial “truth” we've all been sold: that buying a home is the ultimate American Dream. If you've ever felt pressure to own a house—or worried that renting means you're “throwing money away”—this episode is for you.Let's get real. For decades, we've been told that a mortgage is a rite of passage and a path to prosperity. But when you dig deeper (and I do that with real numbers from both high-cost and more affordable cities), home ownership can end up being the fastest way to lock yourself into years—sometimes decades—of financial stress. It's not just about the monthly payment. There are surprise roof leaks, HOA letters about your mailbox color, skyrocketing insurance costs, and a host of phantom costs nobody ever posts about on Instagram.Whether you're contemplating your first purchase or just questioning the hype, I walk you through my free Rent vs. Buy calculator, so you can see for yourself whether buying a home stacks up for your unique situation.IN TODAY'S EPISODE, I DISCUSS:The origins of the “American Dream” of homeownershipWhy just focusing on your mortgage payment is a costly mistakeThe REAL costs of owning a homeWhat most people get wrong about the rent vs. buy debateStep-by-step walkthrough of actual numbers in LA and MinneapolisWhy renting isn't “throwing money away”—unless you spend the savingsThe 6 essential questions to ask yourself before you ever buy a homeHow to use my free Rent vs. Buy calculator to make your own decisionRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Why Most Americans Never Escape the Middle Class TrapWhat Everyone Gets Wrong About FIREIf You Don't Understand Bonds, You Don't Understand Money7 Things I Wish I Knew Before I Retired8 Signs You're NOT Ready For The Upcoming RecessionRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Why Most Americans Never Escape the Middle Class Trap: https://youtu.be/VBMqrkvvHrYWhat Everyone Gets Wrong About FIRE: https://youtu.be/OyvPksxNMqoIf You Don't Understand Bonds, You Don't Understand Money: https://youtu.be/7d9Lz0D0uzA7 Things I Wish I Knew Before I Retired: https://youtu.be/t5DL9bZYRiwORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Sir you cannot pass the HOA vibe check until you find the Ziggy Marley station on SiriusXM and to be perfectly honest you should have it in your first bank of presets. Check out ThinkGeek for geeky gifts for the geek in your life like an air freshener shaped like a foot that smells like feet or an air freshener shaped like a poop that smells like poop. Next year 9/11 is going to fall on the 13th

Here's a preview of this week's HOA episode! It finally happened: Rob moved into his house! There are always surprises when you move. For example, what if someone is living on part of the land and you have no option but to become their landlord? You know, normal stuff. Join Patrick as he puts his head in his hands and becomes increasingly anxious hearing Rob describe what the last few weeks have been like.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Crowd dives into Zach's outrageous HOA and developer drama—where rules change overnight, pets are banned, and neighbors are pushed to the edge. From broken promises to crooked power moves, this episode exposes the chaos of neighborhood dictatorship. Buckle up, because this one gets heated. Thank you for being part of this crowd!00:00 - Start04:39 - The HOA nightmare begins05:37 - Developer seizes total control06:46 - Only TWO pets allowed?!07:56 - Chickens banned, neighbors furious08:47 - The developer's shocking response10:41 - No park, just more houses13:37 - Paying fees for NOTHING15:01 - Crooked builder stories17:38 - Fighting back against the HOA19:30 - What if everyone stopped paying?22:18 - Political figure feud & sabotage23:37 - Secret HOA fees on home sales25:12 - Petty revenge ideas (pink lawns & painted boats)26:38 - $5,000 shed drama29:27 - Regretting the HOA decision31:16 - “Touch my dogs and it's WAR”33:40 - Kids' gymnastics & black belt club35:05 - Freak stove knee injury37:52 - Random neck injuries & bad luck41:12 - Commercials we miss45:26 - Offense, comedy & South Park logic52:18 - Blue collar sayings & jokes55:04 - Wild NSFW joke round01:00:11 - Closing chaos & sign-offWant the worst advice imaginable from the 5 of us? Leave us a voicemail with your issue, and we may share it on one of the next podcasts! We don't want people calling in asking for advice on how to get through their divorce, but more like, "How can I get my husband to stop clipping his toenails in the living room?". If you've got some burning questions, leave us a message! 801-997-0213Reddit- Our Subreddit: https://www.reddit.com/r/FivesACrowd- Our Account: https://www.reddit.com/user/FivesACrowdPodcastFollow Our Personal AccountsAustin - https://allmylinks.com/austinspomerCam - https://www.instagram.com/effinburch/Chris - https://www.instagram.com/thechrishummel/Tony - https://www.instagram.com/theonlytonyc/Zach - https://www.instagram.com/zvanbeekum/Hashtags#JoinTheCrowd #HitTheBell #PodcastP.O. Box**Please no packages, letters only**Five's A Crowd Podcast1123 N Fairfield Rd #1373 Layton, UT 84041

Rabbits, worms, sheep…and a whole lot of hope. In this lively, can-do conversation, Ginny meets homesteader and educator Laura Cox—the new friend she made at the Homestead Festival—who shows how ordinary families can reclaim food, skills, and sanity without moving to 50 acres. Laura de-mystifies meat rabbits (hello, “bunny berries” that are cold compost and garden-ready), explains simple worm-bin systems you can feed twice a year, and shares why rabbits are the highest protein per gram of the common meats—plus how quiet, low-odor setups can work in a garage, subdivision, or even with an HOA. You'll hear how her one-income family traded grocery premiums for hands-on, joy-filled work; how agritourism, workshops, and even rabbit-poop sales (!) became a family economy; and why “learning by doing” grows confident kids and connected communities. We also roam through hair sheep and rotational grazing, a forthcoming Young Homesteader book on rabbits (with homeschool tie-ins), and the small businesses Laura spun up from her kitchen—like DIY elderberry syrup kits and a clean seasoned salt blend. It's a fresh, funny, deeply practical episode that will have you eyeing your yard, your budget, and your week with new imagination. Start with one simple win (zinnias, anyone?), then build from there. Tap the links, listen with a friend, and share with a parent who needs a hopeful on-ramp today: Cox Homestead (workshops, mentorships, farm experiences): https://cox-homestead.com Laura's Etsy shop (elderberry kits & seasoned salt): https://www.etsy.com/shop (search “Cox Homestead”) The Homestead Festival: https://www.thehomesteadfestival.com A huge thank you to our sponsors! Check them ALL out below:  Select Quote: Head to www.selectquote.com/1000hours to learn more.  BetterHelp: Visit  www.BetterHelp.com/1000HOURS  today to get 10% off your first month. Quince - Visit www.quince.com/outside and get free shipping and 365 day returns NIV Application Bible - visit www.NIVapplicationbible.com if you're looking to grow in your understanding of Scripture and make it real in your daily life. Capstone Wellness - For over 24 years, Capstone has helped thousands of families on their path to healing. Learn more at  capstonewellness.com/1000hours  NurtureLife - Head to NurtureLife.com/1000HOURS55 and use code 1000HOURS55 for 55% off your first order PLUS free shipping. Wayfair - Get organized, refreshed, and back to routine for way less. Head to Wayfair.com right now to shop all things home.  Earthley - Use the code 1000hours to get 10% off your next purchase at www.earthley.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices