Podcasts about gen z

2025 is almost in the rear view mirror - Charlie Oakes, our executive Gen - Z movie specialist talks about a certain movie he is loving currently and what 2026 looks like with some major blockbuster movies coming out!

Charlie addresses over 1,000 student leaders at Turning Point USA’s Chapter Leadership summit. He breaks down how young men and women should act in order to live a truly fulfilling life — and no, you don't do it by pursuing pleasure or "happiness." Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Ever feel like you're stuck fixing fires instead of building teams that actually thrive? Imagine stepping into a legacy brand, mobilizing hundreds of operators, and transforming your culture from confused to unbeatable, all while modernizing for the future.In this episode, Cameron Herold gets real with Jackie Secor, COO of Taco John's. She's a 25-year franchise and operations veteran who reveals how trust, creativity, and emotional intelligence drive relentless brand loyalty and profit. They dive deep into promoting insiders, learning from the front line, fighting standardization chaos, and using AI to cut real problems, not just hype.If you're tired of leadership fluff and want the actual proven moves great COOs use to build legendary teams, this episode is your advantage. Press play right now if you want to stop the pain of high turnover, poor culture, or outdated systems and get the inside story you'll never hear anywhere else.Timestamped Highlights[00:00] – Why problem-dropping is forbidden in Jackie's office[03:01] – The unexpected challenges facing any new COO in a legacy brand[04:06] – Why the right network beats experience every time[07:42] – Jaw-dropping fix: How she clawed back operational standardization[09:21] – The hidden dangers of outsourced audits (and how Jackie reversed them)[13:30] – How stretch assignments reveal real leaders, not just performers[15:04] – Emotional intelligence: The operator's secret weapon[17:42] – How Jackie coaches Gen Z talent when they want the corner office—now[20:03] – The shocking empathy learned on the franchisee side[25:41] – Standardizing the most controversial taco technique: meat on bottom or side?![29:13] – Multi-generation success—how Taco John's beats the odds other brands can't[32:03] – Are robots and AI the real next move, or total overkill?[36:03] – Why “get back to basics” wins versus flashy ideas every time[37:46] – The one job in the restaurant nobody envies (and why it matters for culture)[43:31] – Redefining quality and value, even as giants like Chipotle pivot fast[44:04] – Why every franchisor MUST run their own locations for credibility[45:56] – The advice Jackie wishes she got at 21 (and warns every young COO today)About the GuestJackie Secor is the Chief Operating Officer at Taco John's, a fast-growing, family-owned restaurant brand with a passionate multi-generation franchise base. With over 25 years' experience across both franchisee and franchisor sides, including at Auntie Anne's, she's renowned for building high-performance teams, driving operational turnarounds, and modernizing legacy operations through creativity and emotional intelligence.

There is a lot of discussion about "affordability," especially regarding young Americans' ability to buy their first home and achieve financial stability. A key step in achieving that American dream is getting a good job, but the problem is that getting that job has become harder, especially for Gen Z. Economic growth is being driven by productivity and investment in artificial intelligence, rather than by hiring. This is creating what some call a "jobless boom" in some industries. Translation: the job market is very competitive. Suzy Welch, a Professor of Management Practice at NYU's Stern School of Business, and author of the book Becoming You, joins FOX Business' Lydia Hu to discuss the state of the job market and how to navigate it. Learn more about your ad choices. Visit podcastchoices.com/adchoices

An intergenerational war has broken out with Gen Z mercilessly mocking millennials as embarrassing and out of touch. Chloë Hamilton reports. Help support our independent journalism at theguardian.com/infocus

In this episode of The Tudor Dixon Podcast, relationship expert Dr. Wendy Walsh explores how the post-pandemic world has reshaped dating, intimacy, and romantic relationships for young people. She examines the influence of social media and dating apps on real connection, the evolving expectations of men and women, and why communication skills matter more than ever. Dr. Walsh also discusses family pressures during the holiday season and how younger generations are redefining intimacy, love, and commitment in today’s culture.See omnystudio.com/listener for privacy information.

Charlie addresses over 1,000 student leaders at Turning Point USA’s Chapter Leadership summit. He breaks down how young men and women should act in order to live a truly fulfilling life — and no, you don't do it by pursuing pleasure or "happiness." Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Sean White is joined by Julia Lee, Yash Ketharam, and Ilya Mazalov. The group dives into the journeys of Gen Z engineers and advocates, exploring their roles in student organizations, hands-on projects like the Solar Car Race, and their vision for the future of sustainability. The discussion covers generational perspectives, the power of community, and the challenges and opportunities in renewable energy education.   Topics Covered: Grassroots community Triton Solar Car Formula Sun Grand Prix Solar powered car Generational perspectives Social media Renewable energy education UC San Diego Club Climate change Student leadership Tips in writing and publishing books   Reach them out here: Julia Lee: www.linkedin.com/in/julialee123 Yash Ketharam: www.linkedin.com/in/yash-ketharam Ilya Mazalov: www.linkedin.com/in/ilya-mazalov UC San Diego Renewable Energy Club: www.eswtritons.wordpress.com   Learn more at www.solarSEAN.com and be sure to get NABCEP certified by taking Sean's classes at: www.heatspring.com/sean www.solarsean.com/ess

In this episode of Main Street Matters, Elaine Parker and Jeremiah Poff of the Washington Examiner discuss the challenges faced by millennials and Gen Z in achieving home ownership and building wealth. They explore the economic shifts from a production-driven economy to a consumption-driven one, the impact of inflation on housing prices, and the role of student debt in economic mobility. The conversation highlights the importance of local economic drivers and corporate responsibility in creating sustainable communities. They also address the need for effective messaging of economic policies to connect with everyday Americans. Read Jeremiah's work at the Washington ExaminerSee omnystudio.com/listener for privacy information.

A recent survey suggests Gen Z is fuelling a resurgence in church attendance, especially among Catholics. Why? Writer: Jess SwinburneProducer: Ada BaruméHost: Claudia Williams Photography: Joe MeeExecutive Producer: Jasper Corbett Hosted on Acast. See acast.com/privacy for more information.

Most people still prefer to read print formats with Gen Z embracing this most traditional of formats. - Kebanyakan orang masih lebih memilih membaca buku dalam format cetak, dengan Gen Z yang paling antusias dengan format tradisional ini.

There is a lot of discussion about "affordability," especially regarding young Americans' ability to buy their first home and achieve financial stability. A key step in achieving that American dream is getting a good job, but the problem is that getting that job has become harder, especially for Gen Z. Economic growth is being driven by productivity and investment in artificial intelligence, rather than by hiring. This is creating what some call a "jobless boom" in some industries. Translation: the job market is very competitive. Suzy Welch, a Professor of Management Practice at NYU's Stern School of Business, and author of the book Becoming You, joins FOX Business' Lydia Hu to discuss the state of the job market and how to navigate it. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nostalgia. That reminiscent, comforting feeling of something from the past that is familiar. We get it with different things, from fashion to TV shows and music. In the last few years, there's been a huge rise in things like y2k fashion, old school technology like flip phones and digital cameras, and even Kate Bush has made it back into the charts.So why do Gen Z care so much about old things? Professor Ryan Lizardi tells us more about how nostalgia works, when it's bad for you, and how marketing is keeping old things alive. We also hear how nostalgia is interpreted from Marie Tusiama in the Ivory Coast, who runs a successful y2k Instagram page. And what does nostalgia mean in Portuguese and Brazilian culture? Well, we hear from someone else in the Gelbart family - Ben tells us about his favourite Portuguese word, ‘saudade'. Instagram: @bbcwhatintheworld Email: whatintheworld@bbc.co.uk WhatsApp: +44 330 12 33 22 6 Presenter: Hannah Gelbart Producers: Imogen James Editor: Verity Wilde

It's that time of the year where we look at what 2026 has in store for the world. In this podcast we explore the shifting global landscape as we approach 2026. Is the global order over? Has the role of ideology in foreign policy ended? Will 2026 see a new nuclear and arms race and a new space race? Will the Gen Z protests succeed in 2026 and will Trumps tariff strategy succeed in 2026. Will MAGA, Europe, China and Israel implode in 2026? We conclude with some quickfire predictions for 2026, including the fate of various global leaders.

In June of 2025, Charlie and Erika spoke to a group of young women about relationships, career, faith, and the many questions that are as pressing for Gen Z as they are for every generation prior. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

In June of 2025, Charlie and Erika spoke to a group of young women about relationships, career, faith, and the many questions that are as pressing for Gen Z as they are for every generation prior. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Gen Z Will Let Soyciety Burn_ - MGTOWSupport this podcast at — https://redcircle.com/mgtow/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Mukesh Awasthi, of Dadeldhura, Pawan Shahi, from Kalikot, and Krishna Sunuwar, became symbols of Nepal's Gen Z Uprising when they were shot and heavily injured while standing up for a cause. On September 8, 2025, as thousands of young Nepalis filled the streets with chants for accountability, transparency, and real change, these three Gen-Zs found themselves at the epicenter of a moment that shook the nation.

In this thought-provoking WARD RADIO livestream, host Cardon Ellis sits down with Brigham Tomko from Deseret News to discuss seismic shifts happening within Gen Z conservatives. The conversation unpacks how younger conservatives are increasingly diverging from the values and approaches of their boomer counterparts, marking a pivotal generational break within the American right.The discussion is rooted in real stories and recent polling data. Brigham Tomko illuminates the complexities facing Gen Z conservatives, spotlighting key issues such as home affordability, economic anxieties, disillusionment with traditional pathways, and especially, a sharp skepticism towards America's relationship with Israel. In fact, Gen Z's more critical outlook on U.S. foreign aid and alliances—particularly with Israel—stands in stark contrast to the near-unquestioning support commonly seen among older conservatives.

तमिलनाडु में बस हादसे पर मुख्यमंत्री स्टालिन ने शोक जताया, पंजाब-हरियाणा हाईकोर्ट ने पेड़ों की कटाई पर रोक लगाई, उन्नाव रेप केस में कुलदीप सेंगर की जमानत के खिलाफ सुप्रीम कोर्ट में याचिका दायर हुई, पीएम मोदी आज राष्ट्र प्रेरणा स्थल का उद्घाटन करेंगे, ग्वालियर में ग्रोथ समिट में शामिल होंगे अमित शाह, रायपुर मॉल तोड़फोड़ मामले में FIR दर्ज हुई, ओडिशा में मुठभेड़ में तीन नक्सली मारे गए, जयपुर में अरावली बचाने को Gen Z का प्रदर्शन हुआ, सिर्फ़ 5 मिनट में सुनिए दोपहर 1 बजे तक की बड़ी ख़बरें.

Sewing, scrapbooking, sports clubs. Many Gen Z'ers are taking up real-world hobbies as an antidote to doomscrolling. Why hobbies make us happy — and how to get one. *** Thank you for listening. Help power On Point by making a donation here: www.wbur.org/giveonpoint

To make sense of the recent resurgence in point-and-shoot cameras, we're returning to French philosopher and cultural theorist Roland Barthes! We begin with a conversation about the major technological shifts that have occurred in photography between 1980 (when Barthes published Camera Lucida) and today. Hannah then leads us in a theory section all about "the Punctum." Together, she and Marcelle parse Barthes' understanding of what makes photography distinct from other mediums and how Time is entangled with our emotional relationship to snapshots captured on camera. If you've never heard of "the Punctum," let this episode be your introduction to one of Barthes' more moving contributions to our theory tool belt!***Happy holidays from the Material Girls team! We'll be back next week with an Hour-Long All-Team Material Concerns episode! To learn more about the show, head to our Instagram at instagram.com/ohwitchplease! Or check out our website ohwitchplease.ca (you can also find transcripts here!).Want to support the podcast and our tiny, hard-working team? Check out all the content we have on our Patreon at Patreon.com/ohwitchplease. Bonus episodes, bloopers, merch, watch-alongs, and more!Need a last minute gift for the holidays? You can gift a Patreon subscription at this link: https://www.patreon.com/ohwitchplease/giftWorks Cited: Barthes, Roland. Camera Lucida: Reflections on Photography. Trans. by Richard Howard. New York: Hill and Wang, 1981. Cooke, Alex. “The Rise and Fall of the Point-and-Shoot Camera.” FStoppers 6 November 2025. https://fstoppers.com/historical/rise-and-fall-point-and-shoot-camera-715387. McLennan, Tara. “Hashtag ‘Sunset': Smartphone Photography and the Punctum of Time.” The International Journal of the Image 7.1 (2016): 33-43. https://doi.org/10.18848/2154-8560/CGP/v07i01/33-43 Murashima, Claire. “Why Gen Z loves the digital compact cameras that millennials used to covet.” NPR 10 December 2024. https://www.npr.org/2024/12/09/nx-s1-5209770/gen-z-digital-compact-cameras-millennials-trendy. Music Credits:“Shopping Mall”: by Jay Arner and Jessica Delisle ©2020Used by permission. All rights reserved. As recorded by Auto Syndicate on the album “Bongo Dance”. Hosted on Acast. See acast.com/privacy for more information.

Joined this week by the one and only Anthony “AC” Casanas, and it was an amazing conversation! We started out by discussing firehouse culture and how he learned all about it long before he was ever a firefighter.  Why younger members need something real to emulate, and how social media can be either an incredible tool or an incredible hindrance. And so much more! Of course all of this was beautifully derailed by the amazing questions from the audience as usual!! 

For many of us, Christmas is filled with joy, memories, and traditions, but also stress, loneliness, and the pressure to look happy on social media In this episode, we talk honestly about why Christmas can feel both life-giving and draining and wrestle with the questions Gen Z is really asking: How do you represent Christ in family dynamics that are complicated or even painful? What do you do when the holiday blues hit hard? How do you make this holiday less about the business of Christmas and more about the person of Christmas? If you've ever felt overwhelmed, discouraged, or conflicted during the holidays, this conversation is for you.   ABOUT: Lina AbuJamra is a Pediatric ER doctor, now practicing telemedicine, and the founder of Living With Power Ministries. Known for her bold faith and down-to-earth honesty, she's passionate (and allegedly funny) about helping people connect biblical truth to everyday life. Whether through teaching, writing, or podcasting, Lina brings hope to those wrestling with life's hardest questions. When she's not speaking or creating content, she's providing medical and humanitarian aid in crisis zones like Lebanon and Uganda. Learn more about her at LivingWithPower.org. Follow on Insta: linaabujamra Follow on Facebook: Lina Abujamra

It's Wednesday, Christmas Eve, December 24th, A.D. 2025. This is The Worldview in 5 Minutes written by Jonathan Clark and heard on 140 radio stations and at www.TheWorldview.com. Filling in for Adam McManus, I'm Ean Leppin. (Contact@eanvoiceit.com) Christians Arrested in Mass in China A large police force in China carried out mass arrests of Christians over the last two weeks. On December 13, over a thousand police officers, SWAT units, and anti-riot forces descended on Yayang Town in China's eastern province of Zhejiang. The operation led to the arrests of several hundreds of Christians. The arrests came after the local church known as “Yayang Assembly” opposed government intrusion into their practices. ChinaAid warned, “Amid tightening policies and information blockades, a campaign to purge faith communities may be unfolding in a more systematic and covert manner.” Belief in God Growing Among Finnish Youth Evangelical Focus reports a new survey found belief in God continues to grow among young people in Finland. The study evaluated young people in confirmation classes. Seventy-five percent of Finnish youth attend such classes. Sixty-seven percent of boys from this year's classes believe in the existence of God, up from 36 percent in 2019. Fifty-six percent of girls believe in God, up from 35 percent over the same time period. Jouko Porkka, Doctor of Theology, analyzed the research. He noted, “Today, boys in confirmation preparation are much more religious than girls. This has been the case for five years.” More Adults in the U.K. Attending Church this Christmas A new survey by Tearfund shows more adults in the U.K. are going to church this Christmas. The poll found 45 percent of U.K. adults plan on attending a church event this year, up from 40 percent last year. This church attendance is driven by younger generations. Gen Z is the largest generation to say they plan to attend church this Christmas. Psalm 122:1 says, “I was glad when they said to me, ‘Let us go to the house of the LORD!'” British Pro-Life Woman Charged for Praying Outside Abortion Mill Police in the U.K. charged a pro-life woman last week for praying silently outside an abortion mill. Isabel Vaughan-Spruce, Director of the March For Life UK, is the first person in Britain to face charges under the new abortion buffer zone law. A spokesman for the U.S. State Department spoke to The Telegraph about the case. The spokesman said, “The decision to prosecute a woman engaged in silent prayer is not only concerning in terms of its impact on respect for the fundamental freedoms of expression and religion or belief, but is also an unwelcome departure from the shared values that ought to underpin U.S.-U.K. relations.” Trump Administration Bans Abortions by the VA In the United States, the Trump administration banned the Department of Veterans Affairs from performing abortions last week. This reverses a Biden-era policy that allowed the VA to kill unborn babies of pregnant veterans. Josh Craddock is Deputy Assistant Attorney General in the Office of Legal Counsel at the U.S. Department of Justice. He wrote the memorandum opinion on the issue for the VA. He noted that existing law “unambiguously commands that VA may not provide abortions when furnishing medical care.” U.S. Economy Grows During Third Quarter The U.S. economy saw unexpected growth during the third quarter of this year. U.S. gross domestic product from July through September grew at an annual rate of 4.3 percent. That's up from 3.8 percent during the April-June quarter. It's also the fastest economic growth in two years. The growth was driven by consumer spending despite inflation remaining elevated. Record Number of Investigations, Censorships of Students in 2025 The Foundation for Individual Rights and Expression reports a record number of campus incidents involving attempts to investigate, censor, or otherwise punish students for protected expression in 2025. It documented 273 efforts this year in which students and student groups were targeted for their constitutionally-protected expression. This breaks the previous record of 252 set back in 2020, the first year of the Students Under Fire database, during the unrest prompted by COVID-19 lockdowns and the murder of George Floyd. Researcher Logan Dougherty said, "These findings paint a campus culture in which student expression is increasingly policed and controversial ideas are not tolerated. College is supposed to be a place where ideas are freely shared, not where students should be concerned about whether their comments will be subject to university scrutiny.” Pew Research's Study on Americans' Childhood Religion And finally, Pew Research released a new study on Americans who leave their childhood religion. The study found 56 percent of U.S. adults still identify with their childhood religion. Thirty-five percent left their childhood religion, and 9 percent said they were never religious. Of those who left their childhood religion, 20 percent said they no longer have a religion. Ten percent said they switched religions, and three percent said they had no religion as a child, but now identify with a religion. The study found adults who were raised in highly religious households were very likely to remain in their childhood religion. Proverbs 22:6 says, “Train up a child in the way he should go, and when he is old he will not depart from it.” Close And that's The Worldview on this Wednesday, December 24th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Plus, you can get the Generations app through Google Play or The App Store. Filling in for Adam McManus I'm Ean Leppin (Contact@eanvoiceit.com). Seize the day for Jesus Christ.

Our guest is TIM ELMORE, founder of Growing Leaders, and one of the leading experts in the world on leading the next generation. Tim has authored more than 30 books, including his most recent The Future Begins with Z: Nine Strategies to Lead Generation Z as they disrupt the Workplace. We discuss leadership today, recruiting and retaining young leaders, shifting our own leadership habits, why he loves Gen Z, and much more. Plus, check out the Top Weekly Leadership Links. Make sure to visit http://h3leadership.com to access the list and all the show notes. Share them with your team, repost the lists, and follow and subscribe. Thanks again to our partners for this episode: COME and SEE FOUNDATION – reaching a billion people with the story of Jesus. Visit http://comeandseefoundation.org. Come and See Foundation is on a mission to ensure that all 7 seasons of The Chosen are produced, translated into 600 languages, globally distributed, and kept FREE for all. From Michigan to Madagascar, people are encountering Jesus through The Chosen, Join Come and See in inviting a billion people to find and follow Jesus. You can play a supporting role in introducing the world to Jesus. Lean more and get involved at http://comeandseefoundation.org. And SUBSPLASH – engage your congregation through Subsplash. Schedule your free demo at http://subsplash.com/brad. Subsplash is the platform made to help maximize your church's giving, growth, and engagement. The go to for mobile apps, messaging, and streaming, along with building websites, groups, giving and more, Subsplash puts today's most innovative church technology into your hands so you can focus completely on ministry. Visit http://subsplash.com/brad and join more than 20,000 churches and ministries who partner with Subsplash. Again, visit http://subsplash.com/brad to schedule a quick, no obligation demo.

Hollywood has forgotten how to make a Christmas movie because they have forgotten how to be sincere. We have traded classics like Home Alone and Elf for "Content Slop" and ironic snark. In this episode, we break down why the holiday blockbuster is dead, why Red One bombed, and why the "Netflix Look" is ruining cinema. But while we are walking away from the theater, we are walking back to the sanctuary. New data reveals a massive, historic shift: Gen Z men are now attending church at higher rates than women. Camellia Peterson (AFP-MO) joins the show to discuss this "Silent Night Revival" and why young men are rejecting modern chaos to find order, tradition, and meaning in the pews. Plus, the "Holiday Hall of Shame" is open for business. From homeowners fighting porch pirates with "Skunk Water" to the woman suing her coworker over a bag of dog food—we cover the absolute chaos of Christmas 2025. Today's Show:

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What happens when parents and children are speaking the same language, but not truly understanding each other?In this powerful and honest conversation, Dr. Unnatti Jain breaks down how generational gaps show up in parenting, leadership, schools, and workplaces, and how to bridge them without guilt, shame, or control. From parenting teens and Gen Z to navigating divorce, cultural expectations, and self-growth, this episode reminds us of one core truth: everything begins with you.Dr. Jain shares practical, real-life strategies for responding instead of reacting, building emotional safety with children, and breaking generational cycles through self-awareness, compassion, and intentional communication. This episode is especially impactful for immigrant parents, single parents, and anyone navigating change while trying to lead with connection.If you have ever wondered:“Am I messing up my child?”“Why doesn't my child talk to me?”“How do I parent differently than how I was raised?”“How do I stop generational misunderstandings at home or work?”This conversation is for you.Why generational misunderstandings happen, even when intentions are goodThe difference between reacting vs. responding in parenting and leadershipHow self-awareness in parents creates emotional safety for childrenWhy focusing on yourself improves your relationship with your childHow immigrant parents can better navigate U.S. parenting cultureHow divorce, stigma, and cultural pressure affect parenting dynamicsWhy coaching is different from therapy, and when each is helpfulHow to bridge generational gaps by learning your child's “language”Why children open up when they feel safe, not controlledDr. Unnatti Jain is a TEDx speaker, leadership coach, parenting expert, and author. She works with teens, parents, and adults across generations to move families and organizations from control to connection. Her coaching approach is rooted in self-awareness, clarity, and actionable growth.

This holiday re-broadcast brings back one of our most downloaded episodes — and one of the clearest real-world playbooks for how a traditional winery can modernize its marketing without spending more money.In this episode, Aly Wente, fifth-generation vintner and SVP of Marketing and Customer Experience at Wente Family Vineyards, breaks down how America's oldest continuously operated family-owned winery (founded in 1883) successfully reoriented its marketing toward Millennials and Gen Z — while keeping its legacy consumers and staying true to its heritage.The headline insight for winery leaders: Wente didn't increase its marketing budget. It reallocated it — away from low-ROI tactics and toward channels, content, and messages that could be measured and optimized.

Inside Nepali Journalism: Censorship, Funding & Politics. Jibram Bhandari is one of Nepal's most respected journalists and news executives, known for his fearless reporting and deep understanding of Nepal's political and media landscape. In this powerful podcast conversation, Jibram Bhandari shares his journalism journey, starting from the 1990 media environment to reporting during the Nepalese Civil War and navigating censorship, misinformation, and political pressure in modern Nepal. The discussion explores the current media crisis in Nepal, including media funding, the role of NGOs and INGOs, and how journalism can be misused by the government. Jibram Bhandari critically examines secularism in Nepal, the Raja Badi movement, the debate between belief in monarchy versus political parties like the Rastriya Prajatantra Party, and whether Nepal's system can truly be reformed. This episode also dives into Gen Z protests, misinformation verification, misuse of police power, and controversial incidents like the Tinkune protest. Jibram shares insights on key political figures, including Kul Man Ghising, Harka Sampang, Rabi Lamichhane, and Durga Parsai, while discussing the possibility of new political parties and the future direction of Nepal. If you're interested in Nepali journalism, Nepali politics, media ethics, and real conversations about power, truth, and responsibility, this podcast with Jibram Bhandari is a must-watch. GET CONNECTED WITH Jibram Bhandari: Facebook - https://www.facebook.com/jibram.bhandari.3/ Twitter - https://x.com/jibrambhandari TikTok - https://www.tiktok.com/@jibram.talks?lang=en  

In this episode of Tell Me More, guest host Ryan Chandler introduces the episode, filling in for the usual host, Katie Reed Hodges. He is joined by Tanner Watson (filling in for Luke Stehr) and Dr. Dennis Wiles.The trio briefly touches on the day's agenda:Sharing their favorite Michael W. Smith songs.Discussing upcoming Christmas Eve services.Receiving an update on Tanner's family and his work in youth ministry.Exploring the theological concept of inaugurated eschatology (the "already but not yet" of the Kingdom of God). Key Discussion Points Following the Intro:The "Dream Team": The hosts joke about the office being a "ghost town" during Christmas week and banter about their different generational perspectives (Gen X, Millennial, and Gen Z).The Candle Tutorial: Dr. Wiles provides a practical (and humorous) demonstration on how to light candles safely during the Christmas Eve service (3 PM, 4:30 PM & 6 PM) keeping the lit candle vertical while tilting the unlit one—to avoid getting wax on the sanctuary's new upholstery.Youth Ministry Success: Tanner shares highlights from the year, including his marriage to Delaney, the success of "Encounter Week," and new initiatives like the "Disciple Project" that pairs students with mentors.The Theology of Advent: The group discusses the importance of liturgy and sacred spaces. Dr. Wiles explains how his view on Advent evolved from a "low church" Baptist background to appreciating the symbolism of light penetrating darkness.Inaugurated EschatologyThe conversation concludes by touching on the sermon's theme: the Kingdom of God is "here but not yet." This concept, often called Inaugurated Eschatology, suggests that while Jesus initiated the Kingdom during His earthly ministry, its final, perfect fulfillment is still in the future.

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To round out a very dark year, Will and Felix take a look at some grim stories: the Brown shooter's identity, another Epstein drop, Bari Weiss's promotion to Regime Censor, and Jelly Roll being pardoned. We then turn to the TPUSA conference where the fight for Charlie Kirk's legacy continues, with Nicki Minaj joining the fray and JD Vance working overtime to hold together a splintering coalition. Finally, we dive into a City Journal panel on the state of the modern right, where we learn what Gen Z conservatives think about Jews, Hitler, and marriage. By popular demand, ¡No Pasarán! Matt Christman's Spanish Civil War is back both for a second round of orders and an ebook. PLUS: everything is still 20% off for the holidays! Order now at https://chapotraphouse.store/ Year Zero: A Chapo Trap House Comics Anthology is also 15% off at badegg.co. Through end of year purchases of the book also include a free digital version of the comic. The digital version also available through GlobalComix. Follow the new Chapo Instagram: https://www.instagram.com/chapotraphousereal/ And Bluesky: https://bsky.app/profile/chapotraphousereal.bsky.social

If you ever rode rear-facing in a station wagon or took a “fart walk” to survive the holidays… welcome home. This week, we're wrapping up 2025 by revisiting the moments that made us laugh hardest, cry a little, and feel deeply connected to you this past year. (Thank you for your voicemails and emails into the show. Our listeners are the heart of Laugh Lines and we cannot wait to keep it going in 2026!)This episode is a love letter to the Laugh Lines community. We're checking back in with some of our favorite callers and guests, including a 10-year-old inventor who reminds us why ADHD brains are magic, why using Gen Z lingo can be helpful, and the very serious debate of Diet Coke vs. Diet Pepsi. Plus, Penn shares his official “nuggets” from the year (aliens may or may not be involved) and Sam & Ann Marie pop in to close the show. Thanks for being here, thanks for listening so closely, and don't worry we will be back in January. Until then, be kind, take the walk, and drink the Diet Coke (or Pepsi, if you must.) We hope you keep laughing with us next year!We love to hear from you (and tell us what you want in 2026!) leave us a message at 323-364-3929 or write the show at podcast@theholdernessfamily.com. You can also watch our podcast on YouTube.Visit Our ShopJoin Our NewsletterFind us on SubstackFollow us on InstagramFollow us on TikTok Follow us on FacebookLaugh Lines with Kim & Penn Holderness is an evolution of The Holderness Family Podcast, which began in 2018. Kim and Penn Holderness are award-winning online content creators known for their original music, song parodies, comedy sketches, and weekly podcasts. Their videos have resulted in over two billion views and over nine million followers since 2013. Penn and Kim are also authors of the New York Times Bestselling Books, ADHD Is Awesome: A Guide To (Mostly) Thriving With ADHD and All You Can Be With ADHD. They were also winners on The Amazing Race (Season 33) on CBS. Laugh Lines is hosted and executive produced by Kim Holderness and Penn Holderness, with original music by Penn Holderness. Laugh Lines is also written and produced by Ann Marie Taepke, and edited and produced by Sam Allen. It is hosted by Acast. Thanks for listening! Hosted on Acast. See acast.com/privacy for more information.

Throughout December and January, we're going to be re-airing some of our favorite episodes of the past year and beyond. This list includes interviews that really stuck with me and some others that you guys had tons of feedback and thoughts on … including this one! “How Gen Z Sees the World” originally aired March 12, 2025. If you have questions, observations, or ideas for future episodes, email us at PlainEnglish@Spotify.com. Host: Derek ThompsonGuest: Kyla ScanlonProducer: Devon Baroldi Learn more about your ad choices. Visit podcastchoices.com/adchoices

Many older workers complain that younger generations don't work hard enough or don't want their jobs to define them. But what if that behavior is actually a rational response to an economy that no longer delivers on its promises? In this episode, I talk about the economic reality facing millennials and Gen Z, featuring voices from young professionals navigating uncertainty, debt, layoffs, and housing insecurity, along with journalist Annie Lowrey from The Atlantic. We dive into how recessions, student debt, and rising inequality have reshaped ambition, risk-taking, and trust in institutions and more. Get ready to see generational anxiety through a much clearer lens. Check out our sponsors: Northwest Registered Agent - Protect your privacy, build your brand and get your complete business identity in just 10 clicks and 10 minutes! Visit https://www.northwestregisteredagent.com/achieverfree In this Episode, You Will Learn 00:00 How housing costs and economic insecurity shape career choices and risk-taking. 04:45 What graduating into a recession does to long-term earnings and opportunity. 09:45 How student debt impacts mental health, anxiety, and future planning. 14:45 Why younger generations delay homeownership, children, and entrepreneurship. 21:45 How recessions affect trust in institutions and increase social solidarity. 23:15 What psychological and financial toll does debt take on younger generations? 27:45 Has credential inflation devalued advanced degrees? 30:30 How distorted narratives impact job seekers, workers, and entire generations. 34:00 Why declining entrepreneurship is a structural problem, not a personal failure. Resources + Links Read Annie Lowrey's reporting in The Atlantic Get a copy of my book - The Anxious Achiever Watch the podcast on YouTube  Find more resources on our website morraam.com Follow Follow me: on LinkedIn @morraaronsmele + Instagram @morraam

A Wall Street Journal column argues that younger investors are turning to options, crypto, and betting as a rational response to a “rigged” economic system. Don and Tom aren't buying it. While acknowledging real headwinds—student debt, housing costs, wage gaps—they dismantle the idea that gambling is an intelligent adaptation. Drawing on history, lived experience, and actual math, they make the case that leverage, speed, and desperation reliably destroy wealth, while patience, diversification, and boring consistency still work. The system may be flawed, but trying to beat it with casino tactics only helps the house. 0:04 Opening rant on “financial nihilism,” generational scolding, and why Gen Z investing looks like gambling 1:21 Wall Street Journal column by Kyla Scanlon introduced and framed 2:53 Gambling vs. investing—why “the system is rigged” is a terrible excuse for riskier behavior 5:24 Don and Tom reflect on their own slow, uncomfortable paths to financial stability 6:04 Real-world counterexample: young coworkers who are saving, investing, and buying homes 7:41 Defining “financial nihilism” and why speed, leverage, and impatience backfire 9:00 What actually works: spend less, delay gratification, diversify, avoid leverage 10:46 Historical perspective—every generation faced headwinds, none solved them by gambling 12:39 The power of compounding, patience, and boring index investing 14:41 Critique of the “small chance of huge return beats slow decline” argument 17:12 Listener question: cap-weighted vs. equal-weighted index funds explained 19:11 Why equal weighting tilts toward value and smaller companies—and costs more 20:22 Millennial caller Jason offers empathy for generational frustration without endorsing gambling 23:48 Lifestyle expectations, flexibility, and why hardship doesn't justify reckless investing 27:27 Food, lifestyle, and historical context—what's better now, what isn't 29:25 Hormel vs. Motorola story revisited: why predicting winners is nearly impossible 36:29 Jaw-dropping returns: Hormel's long-term outperformance over flashy tech 38:45 Light holiday banter, gift absurdities, and wrapping up the show Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, I'm joined by Jane Newman, an international speaker, entrepreneur, and coach. Jane writes and speaks on the urgent necessity of retaining our humanity in a techno-centric world.   Based in Seoul, South Korea, she travels internationally, working with global thought leaders on reimagining AI and technology. Her message to live joyfully offers a necessary panacea to lives driven by efficiency and productivity.   In this episode, we'll explore: The massive hidden impact AI is having on the climate What happens when technology fails us and there's no human to help Why Gen Z is struggling to envision an optimistic future Simple ways to reduce AI usage and create a rehumanized future Jane's current favorites: Book: The Prophet by Kahlil Gibran, Speaker: Tricia Brouk, and Podcast: What a Stranger Told Me More from Jane Newman Website: https://www.jane-newman.com/  LinkedIn: https://www.linkedin.com/in/jane-newman-writer-and-speaker/    More from Tricia  Unlock your potential and grow your speaking business during The Art of The Big Talk, my LIVE Two-Day Virtual Masterclass Join me LIVE for my Free Monthly Workshop Explore my content and follow me on YouTube Follow me on Instagram  Connect with me on Facebook  Connect with me on LinkedIn  Visit my website at TriciaBrouk.com

Christmas theme is by Hombres De La Cebolla A lonely ghost/Is the 6-7 meme a black magick ritual?   Patreon (Get ad-free episodes, Patreon Discord Access, and more!) https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share Dead Rabbit Radio Recommends Master List https://letterboxd.com/dead_rabbit/list/dead-rabbit-radio-recommends/ Dead Rabbit Radio Archive Episodes https://deadrabbitradio.blogspot.com/2025/07/ episode-archive.html https://archive.ph/UELip   Links: DRR Movie Night December 2025 https://www.youtube.com/playlist?list=PLnA0d97QSzZMlg8eMRrFzg5R6xX9POanS DRR Movie Morning December 2025 https://www.youtube.com/playlist?list=PLnA0d97QSzZPlDjt6fLrZ6u3Alil6Z-vS Freakbob (2025) - Short Film https://www.youtube.com/watch?v=CjkdsKW3jsU OBSESSION - Official Teaser Trailer by Curry Barker https://www.youtube.com/watch?v=rrky0lveA5w THE CHAIR (Award Winning Horror Short Film) by Curry Barker https://youtu.be/mhazCS14Tas?si=4d1CjaoGpsPzYzsk WARNINGS (Horror Short Film) by Curry Barker https://youtu.be/Hik4n3Ld88Y?si=Dx7zps9GNwWnzMB5 ENIGMA (A Psychological Thriller Short Film Directed by Curry Barker) https://youtu.be/QHQHvkUTAM0?si=StfsZ9qsIsfBBWUq MILK & SERIAL (FOUND FOOTAGE HORROR FILM) by Curry Barker https://www.youtube.com/watch?v=pbzGQ1lszv4 EP 1061 - The Kangaroo Man (Plane crashes ghosts were in Missouri not Colorado) https://deadrabbitradio.libsyn.com/ep-1061-the-kangaroo-man EP 1524 - The Glee Ghost (Morgellons episode) https://deadrabbitradio.libsyn.com/ep-1524-the-glee-ghost What's the creepiest thing you've ever experienced? Not the typical 'I was home alone' story, but something that still sends chills down your spine to this day? (Florida Lonely Ghost Forgotten Ghost Walking Down Road story) https://www.reddit.com/r/Ghosts/comments/1nud2fb/comment/nhn8wel/ Archive https://archive.ph/xLNfE Skrilla - Doot Doot (6 7) (Official Music Video) https://www.youtube.com/watch?v=XnygT6ANLzQ Skrilla Decodes "6-7," Gen Z's Favorite Meme https://www.complex.com/music/a/khal/skrilla-6-7-meme-explained The Deadly Gang War Behind the 6-7 Meme https://www.youtube.com/watch?v=OAgtXhEXvx0 The '6-7' meme can be annoying. But kids are shouting it for good reason https://www.cnn.com/2025/10/18/us/6-7-meme-slang-explained-cec Ysn Uth (67 Coach)

Media is miffed that Trump may keep the oil from that seized Venezuelan Oil Cargo ship. Driverless cars stopped in the middle of San Francisco traffic during power outage. Trump Announces New Trump-Class Battleships for U.S. Navy. Bari Weiss angering the left because of segment she cancelled on 60 Minutes. Ending relationships that you know have no future. Left enraged by Bari Weiss for killing segment for putting out a narrative without reporting the other side. Movement to impeach Pam Bondi. Philip Rivers makes you okay with being over 40 years old. Ancient Apple computer for sale on the marketplace. Chipotle leaning into GLP menu. Taking testosterone supplements. Trump administrator killing multiple windmill projects. Jasmine Crockett side by side. Even Taco Bell is expensive. Gen Z looking for jobs on Social Media. Vast armada off the coast of Venezuela. Giving lottery tickets for Christmas. See omnystudio.com/listener for privacy information.

Trump administrator killing multiple windmill projects. Jasmine Crockett side by side. Even Taco Bell is expensive. Gen Z looking for jobs on Social Media. Vast armada off the coast of Venezuela. Giving lottery tickets for Christmas. See omnystudio.com/listener for privacy information.

What did you think of todays show??Would you rather take a hit to your pride or your bank account? In this episode, find out how holding onto a deal too long can come back to bite you and your business. We dig into why so many deals are breaking down, why some investors are underwater and can't bring cash to closing, and why refinancing isn't always the fix people think it is.Topics discussed:Introduction (00:00)The biggest mistake flippers are making right now (01:20)The cost of holding onto a property too long (04:31)Why wholesalers are struggling in this market (07:48)New foreclosure trends and the cause (08:28)Housing development and the myth of affordable housing (11:21)How American spending has changed (17:49)Urban sprawl and the loss of culture (19:43)How urban development impacts city governments (25:09)How Gen Z views wealth and home ownership (29:02)Staying lean vs. having an in-person office space (31:49)Sign up to join the FREE Scale Community! https://collectingkeys.com/Want deeper breakdowns like this every week? Subscribe to the Collecting Keys newsletter! https://collectingkeys.com/newsletter/Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

Join Jessica Yañez for a hilarious and heartfelt conversation with Raven Rodriguez, the viral TikTok creator behind the beloved music reaction videos with her Gen Z and millennial daughters. With over 280,000 followers, Raven has built a community by showing her daughters '70s and '80s music videos—and their reactions are pure comedy gold. In this episode, Raven shares the origin story of how blocking her daughter on TikTok led to internet fame, why she shows Maya "traumatic" videos (Chris Hansen has entered the chat!), and how she's intentionally breaking toxic generational patterns in Latino households. From sneaking out as a teen to creating safe spaces for her daughters, Raven opens up about motherhood, mistakes, and building trust through adaptability. You'll laugh, you'll cringe at the problematic lyrics we all sang without thinking, and you'll leave inspired by the beautiful relationship Raven has cultivated with her daughters—one video at a time. Topics discussed: How Raven's TikTok journey started (spoiler: her daughter blocked her) The viral music reaction videos and why they resonate Growing up Latina in the '80s vs. raising Gen Z daughters Normalizing inappropriate male behavior in music and culture Breaking generational trauma and building trust with your kids Chris Hansen, Queen Latifah, and the running jokes that unite generations Why social anxiety doesn't stop Maya from being hilarious on camera Upcoming movies and songs Raven can't wait to show her daughters Follow Raven Rodriguez: TikTok: @blkbird8

Breaking into the job market has changed — but so have the ways candidates can stand out. In this Ask a Recruiter bonus episode, Emily Durham talks with TLO's Leah Ova about practical strategies Gen Z job seekers can use to improve their chances, from getting applications opened to building real connections and showing confidence in interviews. A clear, encouraging guide for navigating entry-level hiring right now.

Shoot us a Text.Episode #1226: We're talking rising auto prices and longer-term debt in the U.S., Kazakhstan's record-setting manufacturing momentum, and Simon Sinek's take on why Gen Z might be the most rational workforce yet.As new car prices have climbed 33% since 2020, affordability is slipping out of reach for many. Buyers are stretching loan terms to eight, nine, even ten years—trading short-term relief for long-term debt.Average new vehicle price broke $50K this fall, up from under $38K in early 2020.Monthly payments now average $760; rising prices and high interest rates are fueling defaults.One-third of buyers now take loans of at least 72 months; some exceed 100 months, especially on pickups.Automakers are lowering prices and leaning into base trims—Ford's Maverick jumped 76% in November sales.Kazakhstan's automotive sector is on a record-breaking run. Through the first 11 months of 2025, vehicle production has already topped the full-year total from 2024, signaling both rising demand and growing sophistication in local manufacturing. With nearly $4 billion in output, the industry is becoming a major economic engine.From January to November, Kazakhstan built 146,163 vehicles valued at $3.9B—a 15.7% jump from 2024.November alone set a monthly record with 22,580 units produced worth $601M, up 25.5% year-over-year.Auto manufacturing now makes up 41.7% of the country's entire machine-building sector, up from 2024.Growth was led by Allur (79K+ units) in Kostanay and Hyundai plants in Almaty and Shymkent (up 26.7%), including those operated by our friends at Astana MotorsSimon Sinek and Garry Ridge are taking aim at the "lazy Gen Z" stereotype. In a recent podcast conversation, the leadership thinkers argue that Gen Z's workplace demands are less about entitlement—and more about a rational response to broken corporate trust.On A Bit of Optimism, Sinek says Gen Z's need for upfront value stems from growing up in a world with "no loyalty from the company."Ridge, former WD-40 CEO, agrees: leaders must build trust and ditch outdated performance models.Both advocate for regular coaching check-ins over once-a-year reviews.Gen Z doesn't want delayed recognition—they want feedback, growth, and transparency now.“I don't want to wait 364 days for you to tell me what I should've done better,” said RidgeThank you to today's sponsor, Mia. Capture more revenue, protect CSI, and never miss a call or connection again with 24/7 phone coverage and texting (SMS) follow-up for sales, service, and reception. Learn more at https://www.mia.inc/0:00 Intro with Paul J Daly and Kyle Mountsier4:21 Average Monthly Payments arJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

What does it really mean to create a “safe space” for young people in our churches—not just a place free from harm, but a place where their deepest questions and unique experiences are genuinely welcomed?In this episode, Tanita Tualla Maddox, National Director for Generational Impact for Young Life and author of What Gen Z Really Wants to Know About God, helps us understand Gen Z's core questions about faith, the meaning of safety and trust, and how churches and ministry leaders can communicate and lead adaptively in today's cultural landscape.THIS EPISODE'S HIGHLIGHTS INCLUDE:Tanita Tualla Maddox describes Gen Z as digital natives who blend the physical and digital worlds, which shapes their outlook and identity.Stereotypes about Gen Z often paint them as weak, fragile, over-emotional, and self-centered.Tanita Tualla Maddox emphasizes that Gen Z has faced unique challenges such as growing up with social media, experiencing school shootings and lockdown drills, and living through a global pandemic.Social media exposes Gen Z to global comparison, leading many to wrestle with feelings of not being enough.The words older generations use about Gen Z—often negative—shape Gen Z's perception that they are disliked and not valued as they are.Tanita Tualla Maddox points out that generational miscommunication happens even when the same words are used, because their meanings shift between groups.Safety means more than just the absence of physical danger for Gen Z; it also encompasses emotional, psychological, and even comfort-based dimensions.Defining what makes a space or relationship "safe" often varies from person to person within Gen Z.Tanita Tualla Maddox suggests that churches should directly ask young people what makes them feel welcome and safe, rather than make assumptions.Spiritual leaders often answer questions that Gen Z is not asking, missing opportunities to address their actual concerns.The incarnation of Jesus can help Gen Z trust God, because it shows he experienced abandonment, public shame, betrayal, and other relatable human struggles.Trust for Gen Z is not automatically given to authority figures or institutions—they expect trust to be earned and proven.Safety is seen as a right by many in Gen Z, and the loss of safety can feel like a violation of that right.Truth has become highly individualized for Gen Z, with "my truth" and "speak your truth" surfacing as common phrases; this complicates their relationship to universal or absolute truths.Tanita Tualla Maddox encourages church leaders to treat generational differences as cross-cultural experiences, approaching Gen Z with curiosity, humility, and a willingness to ask questions and learn.RELEVANT RESOURCES AND LINKS:Tanita Tualla Maddoxtanitamaddox.comBooks mentioned:What Gen Z Really Wants to Know About God, by Tanita Tualla MaddoxThe Lion, the Witch and the Wardrobe, by C.S. LewisRelated episodes:35. God Wants Send me a text! I'd love to know what you're thinking!Get Becoming Leaders of Shalom for free HERE.Click HERE to get my FREE online course, BECOMING LEADERS OF SHALOM.

2025 is nearly over, so I decided to put together a compilation of some of my favourite moments from the show over the last year. It was going to be a top 20, but I couldn't choose, so it's 23. Expect to learn Naval Ravikant's advice for overcoming self-esteem issues, Tom Segura on why Gen Z isn't a fan of drinking alcohol. The 3 most important decisions you make every day, according to Tony Robbins, Alex Hormozi's best advice for struggling entrepreneurs, Mel Robbins on how to overcome crippling anxiety, Sam Sulek's top 10 exercises and much more... Sponsors: See discounts for all the products I use and recommend: https://chriswillx.com/deals Sign up for a one-dollar-per-month trial period from Shopify at https://shopify.com/modernwisdom Get up to $50 off the RP Hypertrophy App at https://rpstrength.com/modernwisdom Get the brand new Whoop 5.0 and your first month for free at https://join.whoop.com/modernwisdom Extra Stuff: Get my free reading list of 100 books to read before you die: https://chriswillx.com/books Try my productivity energy drink Neutonic: https://neutonic.com/modernwisdom Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: https://tinyurl.com/43hv6y59 #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: https://tinyurl.com/2rtz7avf #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: https://tinyurl.com/3ccn5vkp - Get In Touch: Instagram: https://www.instagram.com/chriswillx Twitter: https://www.twitter.com/chriswillx YouTube: https://www.youtube.com/modernwisdompodcast Email: https://chriswillx.com/contact - Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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 Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   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. 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Start your prequel 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.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com