Podcasts about Income

Listen FREE to the Introduction from Scaling Your Story Download the full audiobook on Audible- Scaling Your Story, The 5 Step Framework for Fitness Entrepreneurs Who Want Income and Income. Download the free PDF of the book here. 

Proposition 37 on the 2026 California ballot authorizes the state to borrow money to create a middle-income homebuyers program. Additional Resources: Read the transcript for this episode Catch up on all of Prop Fest 2026 Sign up for our newsletter Got a question you want answered? Ask! Your support makes KQED podcasts possible. You can show your love by going to https://kqed.org/donate/podcasts This story was reported by Adhiti Bandlamudi. Prop Fest is a collaboration between Bay Curious and The Bay. It's made by Olivia Allen-Price, Katrina Schwartz, Christopher Beale, Anna Casalme, Ericka Cruz Guevarra, Alan Montecillo, Gabriela Glueck and Pauline Bartolone. Additional support from Jen Chien, Katie Sprenger, Maha Sanad, Ethan Toven-Lindsey and everyone on Team KQED. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's pretty standard to pay a 20% down payment in order to buy a house. But in California, where the median price of a single-family home is $980,000, that's a tall order for most people. Supporters of Prop 37 say it would help address this problem by allowing the state to help moderate income buyers. Additional Resources: Read the transcript for this episode Catch up on all of Prop Fest 2026 Your support makes KQED podcasts possible. You can show your love by going to https://kqed.org/donate/podcasts This story was reported by Adhiti Bandlamudi. Prop Fest is a collaboration between Bay Curious and The Bay. It's made by Olivia Allen-Price, Katrina Schwartz, Christopher Beale, Anna Casalme, Ericka Cruz Guevarra, Alan Montecillo, Gabriela Glueck and Pauline Bartolone. Additional support from Jen Chien, Katie Sprenger, Maha Sanad, Ethan Toven-Lindsey and everyone on Team KQED. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Bloodline Balance Sheet: Shifting from Income to Generational EquityIncome can support your lifestyle.Ownership can continue creating value long after the paycheck stops.In this episode of The Level Up Podcast, Paul Alex breaks down why building long-term wealth requires looking beyond how much you earn and paying closer attention to the assets and equity you actually own.A high salary can create a strong life.But income tied entirely to your labor still depends on your ability to keep working.Assets change the equation.In this episode, you'll learn:• Why income and net worth measure two very different things• How ownership can reduce your dependence on earned income alone• Why directing excess cash toward productive assets can strengthen long-term wealth• How businesses, investments, and intellectual property can become part of a lasting legacyThe truth is simple:Do not measure financial progress only by what comes into your account.Measure what you are building ownership in.Control the lifestyle.Keep enough liquidity for stability.Then strategically direct capital toward assets that can appreciate, produce income, or create long-term value.Income pays for today.Ownership can help build tomorrow.Earn the money.Acquire the assets.Build the equity.Your Network is your NETWORTH!Make sure to add me on all SOCIAL MEDIA PLATFORMS:Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you:www.CashSwipe.comFREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com

Most people will never become millionaires because nobody handed them the rules. These ten rules cover spending, debt, investing, income, and protection, and they are the whole game. 

We're almost at the start of a new month. For many, that means it's time to pay rent. But meeting those monthly payments is becoming increasingly difficult. A new report from the Urban Institute found that one in five working-age renters struggled to pay rent last year, and the share of middle-income renters who are facing these challenges grew by the largest margin. We unpack, but first we discuss what's in the latest inflation reading.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories in this morning's episode:People are increasingly struggling to pay rent

The recent Federal Reserve rate hike has sent shockwaves through the bond market, pushing the 10-year Treasury yield to highs not seen since 2007. This sudden rise in borrowing costs has priced many potential buyers out of the housing market while severely tightening the cost of capital for real estate investors and businesses.Despite these broader macroeconomic headwinds, the artificial intelligence and semiconductor sectors continue to experience massive rallies, effectively keeping the stock market afloat. We also explore the five sequential phases of a real estate market correction and why holding out for a total housing crash might leave prospective buyers waiting indefinitely.KEY TOPICS DISCUSSED01:04:32 The Federal Reserve interest rate policy mistake and its direct economic impacts01:17:49 Surging 10-year Treasury yields and extreme bond market volatility01:41:10 The five distinct phases of a real estate market correction using the Mueller model01:10:21 Artificial intelligence stock resilience and the ongoing semiconductor boom01:29:14 Geopolitical tensions impacting oil prices, bond yields, and core inflation data01:49:36 Q3 Bitcoin performance and the future of cryptocurrency regulation via the Clarity ActKEY TAKEAWAYSThe latest Federal Reserve rate hike has stifled the housing market and escalated the cost of capital without successfully slowing down the AI sector.The housing market is currently transitioning into a correction phase where transaction volume gridlocks and builders begin offering aggressive price concessions.AI and semiconductor equities are defying high borrowing costs because their potential return on investment far outweighs current interest rates.Relying solely on historical real estate gains is risky; diversifying across asset classes provides critical downside protection during economic shifts.Geopolitical conflicts are artificially inflating oil prices and bond yields, meaning a resolution could trigger a rapid drop in rates and a subsequent market rally.CONNECT & TAKE ACTIONExplore luxury living and investment opportunities at Skyline OC by visiting skylineocresidences.comText "X-RAY" to 844-777-1434 for a complimentary investment portfolio review to check fees and restructure your strategy.Text "INCOME" to 844-777-1434 to receive the full investor presentation for the Imagos Income Fund and generate consistent monthly passive income.

We're almost at the start of a new month. For many, that means it's time to pay rent. But meeting those monthly payments is becoming increasingly difficult. A new report from the Urban Institute found that one in five working-age renters struggled to pay rent last year, and the share of middle-income renters who are facing these challenges grew by the largest margin. We unpack, but first we discuss what's in the latest inflation reading.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories in this morning's episode:People are increasingly struggling to pay rent

   It's a big, giant positive news boost for your brain at KKHI as we discuss "The Greatest Story Never Told."   Finance guy Larry Kudlow has coined the phrase, Scott Bessent has doubled down and the whole Trump world administration is trying to figure out why nobody is talking about record GDP, record real income and record low poverty.  This is quite a ledger for you today.    There's also been a crazy dramatic drop in young people, especially teenage girls, that say they are gay.  It's happened in just a couple years and if you believe you're born gay... we have quite a freakish genetic story taking place in America.    Chiefs tackle Josh Simmons seems AWOL to me again this year and I'm just not buying the injury narrative.  He ditched the team last year and it's looking like he's not interested in playing this year.    The Royals move their hitting coach out but join a very rare club of clubs that have stunk and kept their manager and general manager.  The Padres are in the playoffs and one eligible bachelor has really a really nice seat for the right woman.  KU is likely getting another player back from last year's team    And our Final Final is a BBQ joint in Florida that has servers wearing the greatest T-shirts ever.

It's a big, giant positive news boost for your brain at KKHI as we discuss "The Greatest Story Never Told."   Finance guy Larry Kudlow has coined the phrase, Scott Bessent has doubled down and the whole Trump world administration is trying to figure out why nobody is talking about record GDP, record real income and record low poverty.  This is quite a ledger for you today.    There's also been a crazy dramatic drop in young people, especially teenage girls, that say they are gay.  It's happened in just a couple years and if you believe you're born gay... we have quite a freakish genetic story taking place in America.    Chiefs tackle Josh Simmons seems AWOL to me again this year and I'm just not buying the injury narrative.  He ditched the team last year and it's looking like he's not interested in playing this year.    The Royals move their hitting coach out but join a very rare club of clubs that have stunk and kept their manager and general manager.  The Padres are in the playoffs and one eligible bachelor has really a really nice seat for the right woman.  KU is likely getting another player back from last year's team    And our Final Final is a BBQ joint in Florida that has servers wearing the greatest T-shirts ever.

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, what happens when your income changes every month?Maybe your spouse works in sales. Maybe you're an entrepreneur. Maybe commissions and bonuses mean one month feels amazing…and the next month has you wondering how you're supposed to make a consistent budget when your paycheck is anything but consistent.In this episode, we're breaking down exactly how to create consistency even when your income fluctuates.The goal is to build your regular monthly budget around a realistic bare-bones income number—the amount you can reasonably count on even during a lower-income month. From there, we want your bills, minimum debt payments, groceries, gas, and everyday spending covered first.And when those bigger commission checks or bonuses hit? That extra money gets a job, too.We're talking about using higher-income months to fund savings buckets, prepare for future expenses, make progress on debt, and—when your income swings dramatically—build an income holding account that can help smooth out those lower months.We're also answering another question we hear all the time: “How am I supposed to budget for groceries and gas when those numbers are different every month?”This is where your 90-day audit comes in. Looking back at approximately three normal months of spending can help you figure out what your real-life averages actually are. Then you can create a consistent spending rhythm instead of letting your lifestyle expand and contract every time your income changes.We also get into savings buckets and why you probably won't get every single one right the first time. Christmas, back-to-school expenses, homecoming, travel, annual bills, kids' activities…sometimes you don't know what something costs until you live through it.That's okay.Your first year of budgeting gives you information that makes next year easier. Even having half of an expense saved ahead of time means that's half you don't have to suddenly find in your monthly budget.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Today's Poll Question at Smerconish.com: Should the government tax the wealth of billionaires, or stick to taxing income? Michael examines the growing debate over whether enormous fortunes should be taxed based on wealth rather than income. Drawing on his conversation from yesterday with economist Gabriel Zucman, Michael explores proposals aimed at billionaires, including the argument that vast stock holdings can appreciate for years without generating taxable personal income. But a wealth tax raises difficult questions of its own: How do you value private companies, real estate, art, and other illiquid assets—and could founders be forced to sell shares just to pay the bill? Cast your vote at Smerconish.com, and be sure to rate, review, and share this podcast. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Gabriel Zucman is Professor of economics at the Paris School of Economics and Ecole normale supérieure – PSL, Summer Research Professor at the University of California, Berkeley, and founding Director of the International Tax Observatory.He is the author of articles published in journals such as the Quarterly Journal of Economics, the American Economic Review, the Review of Economic Studies, and of three books. His research focuses on the accumulation, distribution, and taxation of global wealth and has renewed the analysis of the macroeconomic and distributional implications of globalization. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if the secret to becoming wealthy wasn't being smarter than everyone else?   What if it wasn't timing the market, picking the next hot suburb, or finding some clever tax loophole?   What if the real secret was simply living long enough to let good assets quietly compound in the background?   Now, I know that sounds strange, but in a recent article in The New Daily Simon Kuestenmacher used a fascinating idea he called "vampire economics."   His argument was that if vampires existed, they should be incredibly wealthy.   After all, they don't retire. They don't have a 30-year investment horizon.   They don't panic because interest rates rise for a year or two.   They don't sell a good asset because the media tells them the market is about to crash.   They can buy scarce assets, hold them for centuries, and let time do the heavy lifting.   Of course, you and I don't have 400 years to invest. But there's a powerful lesson here for property investors, business owners, families and policymakers.     Takeaways   • Vampires benefit from exceptionally long investment horizons • Compounding becomes powerful when time remains unlimited • Scarce property can reward patient long-term ownership • Inflation gradually supports the value of real assets • Population growth can strengthen property demand over decades • Market headlines distract investors from enduring fundamentals • Active optimism requires action, not passive hope • Quality assets better support intergenerational wealth • Property strategy matters more than short-term speculation • Time allows wealth to outlast individual investors   Chapters   03:23 - Where the idea of vampire economics came from 09:15 - Why scarcity matters as much as time 10:09 - Income versus wealth 12:37 - Should governments be vampires or vampire hunters 17:59 - The bank of mum and dad as a vampire lesson   Links and Resources:   Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane.   •        Click here for more details and to lock in your spot.https://metropole.com.au/how-to-grow-seminar/ •        Join us in this small group environment so you can get your personal questions answered.   Answer this week's trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time? •        Every entry receives a copy of a fully updated Property Report.   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.     Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au      Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.   The Michael Yardney Podcast dives into: • Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning   If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.   Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

HEADLINES: Electric car sales have more than doubled as Aussies look to dodge soaring fuel costs The largest coal mine expansion in NSW history has been approved UK Prime Minister Andy Burnham says Britain should consider rejoining the EU Six babies have died after contracting syphilis in the womb A tiny Chihuahua has joined Mexico's National Guard Plus, dual-working families need to find 814 hours a year to cover the gap between school hours, school holidays and work. UNSW gender equality hub co-director Rosalind Dixon explains why the system no longer fits, and the bold ideas that could fix it. GET IN TOUCHGot a story idea, news tip or feedback?Send us a voice note or email us at thequicky@mamamia.com.au HELPFUL LINKS: Become a Mamamia subscriber and get an all-access pass to everything we make, including exclusive podcasts and early listening, subscriber-only articles, monthly giveaways and our home workout app, MOVE. Get access to Very Peri, Mamamia's exclusive perimenopause series, for just $59. 25 world-leading experts, over 20 on-demand sessions, available now. We’ve sorted through the noise so you don't have to. Go to veryperi.com.au today. You hot? Same. CREDITSHosts: Charlotte Mortlock and Tamsin RoseAudio Producer: Scott StronachProducer: Ella Maitland Head of Show: Tamsin RoseBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

When Masculine Rules Stop Helping Keep the Value. Loosen the Rule. A lot of the rules men inherit about masculinity were not created to hurt us. Be strong. Handle it yourself. Provide. Do not show fear. Never back down. Most of those rules point toward something valuable: courage, competence, responsibility, dignity, loyalty, protection, or belonging. The problem begins when a useful value becomes a rigid rule. Strength can become emotional hiding. Independence can become isolation. Providing can become proof of worth. Dignity can turn into needing to win. So this is not a conversation about rejecting masculinity. It is about asking a better question: Which masculine rules still serve us, and which ones have become too rigid? Why These Rules Stick With Men Masculine rules come from a lot of places. Our fathers. Mothers. Coaches. Friends. Churches. Workplaces. Sports. Media. Relationships. Regional culture. Family expectations. And often, following those rules worked. They may have helped us fit in, avoid ridicule, gain respect, feel competent, or stay connected to the people around us. Sometimes the rule was really about belonging. A boy may learn very early that certain parts of him are acceptable and others are not. Maybe strength gets rewarded while fear gets mocked. Maybe achievement gets noticed while uncertainty gets ignored. Maybe being self-sufficient earns respect while needing help feels embarrassing. Over time, those lessons can become an invisible audience we carry with us. Even when no one is actively judging us, we can still feel like we are being graded on whether we are "man enough." That raises an important question: When does a useful value stop being a choice and start becoming a requirement? And maybe another: What masculine rule made sense for us at 18 that needs to look different at 30, 40, or 50? Not every traditional masculine expectation needs to disappear. Some are worth preserving. The goal is not to throw away the value. The goal is to loosen the rule enough that we can choose how to live it. Rule 1: Be Strong Value underneath: courage, endurance, steadiness, protection. Healthy side: tolerating discomfort, staying present in hard situations, and doing what needs to be done when life is difficult. Rigid side: fear, grief, tenderness, uncertainty, or pain become evidence that a man is weak. There is a major difference between regulating emotion and hiding emotion. Sometimes holding emotion temporarily is exactly what maturity requires. There are moments when we need to remain steady for our children, spouse, coworkers, or people who are depending on us. But temporarily containing an emotion is different from pretending it does not exist. Healthy strength is not the absence of emotion. It is having enough internal capacity to decide what to do with what we are feeling. That may mean talking about it. It may mean waiting until a better moment. It may mean asking for support. It may mean simply acknowledging to ourselves that something hurt. One of the traps men can fall into is allowing anger to become the only emotion that feels masculine enough to express. Fear becomes anger. Hurt becomes anger. Shame becomes anger. Sadness becomes anger. Anger itself is not the problem. The question is whether anger is telling the whole story. What does healthy strength look like with a spouse, friend, child, coworker, or group of men? Have we ever appeared strong on the outside while actually avoiding something internally? And this does not mean men should always be vulnerable or share every feeling. That would simply become another rigid rule. Landing idea: Strength is having enough capacity to choose how to respond, not having no emotion. Rule 2: Handle It Yourself Value underneath: competence, independence, agency, and self-trust. Healthy side: learning skills, carrying responsibility, solving problems, tolerating frustration, and not expecting someone else to rescue us. Rigid side: support feels humiliating, receiving help feels like failure, and problems stay hidden until they become much larger. A lot of men are very comfortable helping someone else. We will show up. Fix the problem. Move furniture. Give advice. Lend money. Help a friend through a crisis. But being on the receiving end can feel completely different. Why are so many of us comfortable helping but uncomfortable being helped? There is an important distinction here. Receiving support does not mean handing someone else responsibility for our life. Support can strengthen agency rather than replace it. The question is not whether independence is good or bad. The question is whether independence is still a choice. Where is the line between healthy independence and isolation? When does asking for help actually increase our agency rather than reduce it? What would we gladly help another man with but struggle to ask for ourselves? There is also a danger in swinging too far the other direction. If "ask for help" becomes another rule, we can accidentally communicate that men should never solve things themselves. That is not the point either. Landing idea: Independence is useful when it remains one option among several. Rule 3: Provide and Achieve Value underneath: responsibility, contribution, discipline, protection, and purpose. Healthy side: working hard, building something, contributing financially, creating security, and serving the people we care about. Ambition, work, achievement, and providing are not the problem. Those things can be meaningful expressions of love. The problem begins when providing becomes the only way we know we matter. Rigid side: income, productivity, status, or usefulness becomes proof of a man's worth. A man can genuinely love his family through provision and still unintentionally become disconnected from the people he is providing for. Can a family deeply appreciate what a man provides and still feel emotionally disconnected from him? How do we know when work is meaningful contribution versus hiding, proving, or escaping? That question becomes especially revealing when something changes. Income drops. Work slows down. Someone else earns more. A promotion does not happen. Our achievement is not recognized. If our identity is built entirely around usefulness, those moments can feel like much more than disappointment. They can feel like a threat to who we are. There are also seasons of life when sacrifice is necessary. Building a business, raising young children, navigating financial pressure, completing school, or pursuing a major goal may require temporary imbalance. But temporary sacrifice and permanent neglect are not the same thing. How much sacrifice is reasonable during a demanding season? What should not be repeatedly sacrificed in the name of success—health, integrity, marriage, meaningful connection, emotional stability, or the very relationships we say we are working for? Landing idea: Providing can be love, but it should not become the only way a man knows he matters. Rule 4: Never Back Down Value underneath: dignity, courage, self-respect, and boundaries. Healthy side: standing up for ourselves, resisting mistreatment, protecting others, holding a boundary, and refusing intimidation. Those are important capacities. There are times when backing down would mean abandoning something that genuinely matters. But there is another version of this rule. Rigid side: disagreement feels like disrespect, apology feels like losing, changing our mind feels weak, and conflict becomes a test of status. Sometimes we begin a disagreement about one issue and keep arguing long after that issue has disappeared. At that point, we may not be protecting the boundary anymore. We may be protecting our image. How do we know whether we are protecting a boundary or protecting our pride? When is refusing to yield courageous, and when is it defensive? Have we ever kept arguing after the original issue was no longer the real issue? Being wrong can feel strangely threatening when we believe our masculinity is being evaluated. If being wrong means being weak, apologizing becomes dangerous. If changing our mind means losing status, curiosity becomes difficult. But dignity does not have to work that way. Landing idea: Dignity does not require somebody else to lose. Keep the Value. Loosen the Rule. There is a common thread running through all of these masculine rules. The value underneath them is often worth keeping. Strength matters. Independence matters. Providing matters. Dignity matters. The question is whether we still have freedom inside those values. Can we be strong and admit something hurts? Can we be capable and still receive help? Can we provide without making productivity the measure of our worth? Can we defend a boundary without needing to defeat the person on the other side? That is where flexibility becomes maturity. The goal is not to become less masculine. It is to become less controlled by rigid definitions of what masculinity is supposed to look like. At AMG, we want to help men develop enough self-awareness to recognize the rules we inherited, enough courage to question the ones that no longer serve us, and enough wisdom to preserve the values underneath them. Keep the value. Loosen the rule.

Can we just be honest about something for a second?The income screenshots you see on social media are not representative of the average person getting started in network marketing. And you deserve to know what to actually expect before you invest your time, energy, and belief into building something.We're having the conversation most people in this industry are too scared to have.Because here is the truth most people never hear about network marketing income timelines.If you are working consistently and with the right strategy, most people start to see meaningful income around month six to twelve. Not quit your job income necessarily. Real meaningful supplemental income that starts to compound. The residual component, the income that builds while you sleep, that typically kicks in after you have built a solid team which is usually one to two years in for most people.That is not the story being told on Instagram. But it is the real one.

Philip Kent, CEO of Gravis Capital and Lead Manager of GCP Infrastructure Investments (LSE: GCP), joins UK Investor Magazine to discuss the state of the infrastructure investment trust sector and how GCP is designed to achieve capital preservation and reliable, inflation-linked income from UK infrastructure projects.Infrastructure trusts have spent much of the past few years trading at wide discounts to NAV. Philip explains why, how Gravis-managed portfolios react to interest rate moves, and how the team balances income against capital protection in a weak economy.The conversation also covers the outlook for infrastructure dividends over the next five years, opportunities in net zero and the energy transition, and where capital is flowing across the UK today. Philip addresses the health of GCP's debt book directly, including whether any project borrowers are falling behind on interest payments.From the perspective of investors who may use an ISA or SIPP, Philip outlines the portfolio mix, the advantages listed vehicles offer over private funds, and the most common misconceptions about infrastructure investing. He closes with how Gravis is approaching AI and what role infrastructure should play alongside equities and bonds in a diversified portfolio.Topics covered:Why infrastructure trusts trade at discounts to NAVInterest rate sensitivityIncome vs capital protectionDividend sustainability over five yearsNet zero and energy transition opportunitiesWhere UK infrastructure capital is goingDebt quality and borrower performanceGCP's portfolio mix for ISA and SIPP holdersListed vs private infrastructure fundsGravis Capital's approach to AIRetail misconceptions about infrastructureInfrastructure in a diversified portfolio Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailIn this episode, Evan and Sam walk through a financial planning case study for a fictitious 45-year-old couple with workplace pensions and a mortgage, showing how aggressively paying off debt and then redirecting that cash flow into TFSAs can fund major goals like travel, a home renovation, and a vehicle purchase while still ensuring a confident retirement.

Most men are chasing a dent in the world, followers, recognition, a bigger stage, while overlooking the one place they can make the biggest difference: the town they live in and the people right next to them. Today's conversation is about impact over income, why being known by ten thousand people in your own community beats being famous online, and why we're robbing our kids by shielding them from the consequences of their bad choices. We also get into giving yourself permission to try new things without committing to them forever, managing risk without letting fear run your life, and knowing when to say no so service doesn't burn you out. My guest, Casey Lofthouse, is a mechanic, tow operator, former search and rescue volunteer, mule packer, country line-dancer, and one of the most capable and generous men I know. He's also someone I'd call first if I were in a pickle. If you've ever felt like you don't matter because you're not "making your mark," this conversation will change how you see your own value. Whether you're broke down, stuck in the sand, or just having a bad day, it's all part of the adventure. What matters is who shows up.   SHOW HIGHLIGHTS 00:00 - From Making Money to Making an Impact 04:43 - The Power of Small-Town Accountability 09:09 - Teaching Kids Personal Responsibility 11:19 - Why Authenticity Matters 13:29 - The Importance of Personal Accountability 15:19 - Raising Kids to Be Responsible Adults 19:12 - Learning From the Consequences of Your Choices 25:29 - The Masculine Side of Art, Music, and Dance 29:21 - Give Yourself Permission to Try New Things 34:52 - Understanding Risk and Knowing Your Limits 40:58 - How Community Creates Lifelong Relationships 45:06 - The Impact of Serving Others 49:06 - Being There When People Need You 53:03 - Setting an Example When People Are Watching 56:59 - Living Authentically in a Social Media World 58:32 - The Unexpected Connections That Come From Helping People 01:00:54 - Why Serving Others Is So Rewarding 01:02:50 - Knowing When to Say No 01:05:07 - Knowing When It's Time to Move On 01:06:55 - Raising Kids Who Surpass You 01:08:00 - What's Next for Casey? 01:10:23 - Becoming the Best Version of Yourself 01:12:19 - Casey's Off-Road Recovery and Life in the Community   Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Download my latest book on Audible- Scaling Your Story, The 5 Step Framework for Fitness Entrepreneurs Who Want Income and Income. Download the free PDF of the book here. 

Most people don't realize they're stuck in the chronic pain system until they're already deep in it.Dr. Ryan Cleland trained as a chemist before becoming a chiropractor. In 2017 he moved his practice into a pain management facility and saw chronic pain up close for the first time — the hardware, the surgeries, the pharmaceutical lists as long as your arm.His analogy for it is quicksand. Early on you're in it to the ankles and getting out is hard but possible. By the time most people start looking for another way, they're in to the chest with nothing to grab.In this episode of the Command Your Brand Show, Jeremy Ryan Slate talks with Dr. Cleland about how people end up trapped, why the alternatives rarely get mentioned, and what actually determines which treatments a patient gets offered.In this conversation:- Why he left chemistry for chiropractic — and it wasn't an inspiring story- What he saw when he moved into a pain management practice in 2017- Why the people in the opioid statistics are "somebody's mom, somebody's dad"- The quicksand analogy — and why most people don't reach for help until they're chest-deep- Why joints degrade when you stop maintaining them- Cortisone shots, athletes, and the difference between using something and depending on it- What insurance and Medicare actually cover, and what that means for your options- PRP versus stem cells, and why your age changes the answer- How topical delivery through skin actually works- How his faith shapes the way he thinks about the body healing itselfMEDICAL DISCLAIMER: This conversation is for general informational purposes only and is not medical advice, diagnosis, or treatment.

You can earn more and still feel like something is missing.Because money can grow your lifestyle. But purpose gives it meaning.In this episode, we talk about moving from income to impact. Para saan ba talaga ang money, success, and wealth na binubuo mo?You'll learn how to look beyond earning more and start using your money with greater purpose, gratitude, and intention.• Know when “more” is no longer the real goal• Ask what your money is truly making possible• See if your spending matches what you value• Discover how success can create impact for othersFollow or subscribe for more conversations on money, mindset, financial literacy, and success.Share this with a friend who needs this reminder. And if this episode helped you, leave a review.#ChinkPositive #FinancialFreedom #MoneyMindset #FinancialLiteracy #Purpose #Success #MoneyManagement #PersonalGrowthFor any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com. Hosted on Acast. See acast.com/privacy for more information.

If you keep raising your prices only to discount them, sending proposals you immediately apologise for, or plateauing at the same number no matter how much you grow, this episode is for you. It's easy to blame the market, the economy, or 'difficult' clients. But what if the real ceiling isn't out there at all? What if it's internal?In this episode, we dig into the limiting beliefs quietly capping your income.The ones inherited from family, culture, and gender that feel like facts hard to challenge. We talk openly about our own money histories, why women especially carry a charge around wanting to be wealthy, and how to stop treating what you charge as a measure of your worth.You'll walk away with four questions to spot your own limiting beliefs, plus practical shifts to start closing the gap between what you charge and what you're actually worth.Topics covered on photography pricing and money mindset:What limiting beliefs are and why they don't feel like beliefs at allWhere money stories actually come from (think family, culture, and upbringing)Why women in creative business carry extra weight around wanting wealthFour questions to help you recognise your own income ceilingRe-framing money as a tool instead of a measure of your worthPractical shifts to close the gap between what you charge and what you're worthFocus & Flourish, Photography Business Talk is a podcast for food photographers and creative entrepreneurs who want to build structured, sustainable, and profitable businesses. Hosted by Marta Grabowska and Linda Hermans, the show combines real-life experiences with practical strategies around marketing, pricing, workflows, and mindset. Helping creatives step into their CEO role and grow with clarity and confidence.Follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

After decades of saving, why do so many retirees struggle to spend their own money? In this episode, Stuart Seegmiller explores the psychology behind retirement spending and why guaranteed income often feels easier to spend than money withdrawn from investment accounts. He discusses the challenge of transitioning from accumulation to distribution, the impact of required minimum distributions (RMDs), and why confidence in a retirement plan can influence spending decisions. Learn how creating a clear income strategy may help retirees enjoy the resources they've worked so hard to build. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

Welcome to REIT Stock Breakdown, where we analyze real estate investment trusts in plain English. In this episode, we're looking at Realty Income, ticker symbol O, also known as “The Monthly Dividend Company,” and whether its monthly dividend, portfolio strength, AFFO growth, and REIT income strategy still make sense for long-term investors. We'll cover the bull case, the risks, valuation, dividend safety, interest rates, and what investors should watch next.#RealtyIncome #OStock #REITInvesting

Dorit's shockingly yearly income salary is revealed. Lisa Barlow's true colors are exposed. Bravo makes excused for Vicki Gunvalson's behavior. RHOP secrets are spilled and revealed. Gizelle and Robyn we are looking at you. Last, but not least, Dolly Parton's family has gone to war over her hundred multi million dollar fortune. @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: TIMELINE- Timeline.com/VELVETROPE (Timeline Is Offering a 15 Day Trial Of The Mitopure Resurfacing Exfoliator For Just $22) AUDIBLE - audible.com/VELVET (New Members Start Listening w/ a 30 Day Free Trial This Massive Library Of Audiobooks & Ad-Free Podcasts)  INDEED - indeed.com/PODCAST (Seventy Five Dollar $75 Sponsored Job Credit To Get Your Job The Premium Status It Deserves)  PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance)  POM - pomwonderful.com (Check Out POM Wonderful Antioxidant Super Teas)  MOOD - www.mood.com/velvet (20% Off With Code Velvet on Federally Legal THC Shipped Right To Your Door)  LOLA BLANKETS - lolablankets.com (Use Code VELVET To Get 40% Off The Most Comfortable Blankets Ever!)  KENSINGTON PUBLISHING CORP - In The Dark (You Can Find “In The Dark”, The New Dark Romance By Shain Rose Wherever Books Are Sold In Print & In eBook) TASKRABBIT - taskrabbit.com (Or On The Taskrabbit App Use Code Velvet For $15 Off Your First Tasker) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198  Learn more about your ad choices. Visit megaphone.fm/adchoices

The 10-year treasury yield is a critical economic indicator, and recent rumors suggest major institutions like BlackRock are stress-testing scenarios where it hits 9%. If this unprecedented surge occurs, it would trigger a massive $34 trillion financial bomb, sending shockwaves through the entire global economy.In this episode, we break down the cascading consequences of a 9% yield on commercial real estate, corporate debt, the banking sector, and the stock market. While the immediate effects point toward severe market corrections and lending freezes, prepared investors will find massive generational wealth opportunities hidden within the crisis.KEY TOPICS DISCUSSEDBlackRock's 9% treasury yield stress testThe impact of 10-12% mortgage rates on residential real estateCommercial real estate cap rate expansion and insolvency risksBank balance sheet stress and impending credit freezesCorporate debt refinancing and the end of zombie companiesU.S. federal government debt spirals and fiscal squeezingGlobal market spillovers and emerging market debt crisesKEY TAKEAWAYSA 9% 10-year treasury yield would push 30-year fixed mortgage rates to 10-12%, causing a complete gridlock in the residential housing market.Commercial real estate faces a severe threat as rising risk-free rates force cap rate expansion and trigger massive property devaluations.Surging yields would gut the banking system by creating massive unrealized losses on existing low-coupon bonds, leading to severe lending freezes.As the U.S. government services $34 trillion in national debt at higher yields, annual interest costs could surpass defense and Medicare spending.Market resets driven by high interest rates historically purge speculative investments and create generational wealth opportunities for liquid investors.CONNECT & TAKE ACTIONText "INCOME" to 844-777-1434 to learn more about the Imagos Income Fund and start generating consistent monthly passive income.Visit skylineocresidences.com to discover exceptional real estate value in the heart of Orange County with Skyline OC.Follow Matty A on social media at @officialmattya across all platforms.Text your questions, thoughts, or comments to 844-777-1434 to have them answered on an upcoming episode.

Join Keith, Terry, and Matthew live for a properties event on September 30th. Sign up here: GetRichEducation.com/MidSouth Keith Weinhold asks why so many people end up competing in the "Grind Olympics" of the traditional day job, and explains why separating income from time is key to building real wealth.  He then counts down the top five ways to give a rental property a raise by increasing its net operating income, and points to the lever investors most often overlook.  Keith also looks at what has happened to home prices during every major stock market crash since 1980, and shows why negotiating better financing terms can beat simply getting a lower purchase price.  He offers practical strategies for building cash flow, creating value and investing with more confidence in any market. Episode Page: GetRichEducation.com/625 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  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Does your day job have you competing in the Grind Olympics? It's something that you never signed up for, and the top five ways to increase your rental property's income. Then, when stocks crash, what happens to real estate? You'll see historically today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6000 homes under management, for a free live webinar the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again. that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:34   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  1:50   Welcome to GRE from Wheeling, West Virginia, to Whiting, Indiana, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to Get Rich Education. Before I get into basically giving your rental property a raise with the top five ways to increase its income, first let's get the context of pulling back and understanding your compelling why for all of this. You may or may not like investment property itself-it's more likely rather that you love what it does for you. That's how it is for me. What do most people do? It's like they're training for the Grind Olympics. Are you doing this too? But you don't remember signing up? I mean, that's kind of what the day job is, society's vortex gradually pulls you into it. The investment property is what gradually tilts you out of it, or it gives you that option. For so many, the day job, it's sort of like this competition that really no one officially announces it yet. Millions enter it. Who can work the longest hours? Who can answer the most emails? Who can miss the most family dinners? Who can delay their life the longest? And at the end of it all, something we call retirement. If you're a winner, not a loser. The winner, you receive a gold-colored watch, lukewarm sheet cake, and a little party at age 65, and that's assuming that the finish line hasn't been moved to 70.   Keith Weinhold  3:40   This is especially bad and prevalent in the United States, where you start out with just two weeks vacation. That's about the worst grind in the developed world. I really myself started questioning this lifestyle when I was a teenager, and this is because my older friends, sort of those that were getting into their late teens, they were relatable to me, and they started going down this path and telling me about it. And suddenly, they couldn't play baseball or tennis with me during the day because they started working during their summers. Now that's not so bad in itself, but stay with me. I also looked at the adults around me and noticed that most traded the majority of their waking hours for work that they didn't even like. Now, my dad was a good worker. He worked 7 a.m. to 3 p.m. faithfully Monday to Friday, and despite being a good worker, he certainly didn't love his job. As a teen, then I found it confounding that so many people were working Monday through Friday, primarily why, primarily to reach the weekend. Wednesday was celebrated as. Day, this sort of strange admission that the work week was something to climb over and survive. You're surrendering 50 weeks to earn two weeks of vacation. You're repeating that very bargain for 40 years and hoping you still have enough money, energy, and health to enjoy retirement. And what puzzled me most was where this was happening. We are not some impoverished nation with paltry resources and limited opportunity. This is the United States, the most powerful and perhaps the most prosperous nation in the world.   Keith Weinhold  5:40   This is the part that I still can't work out in my head. Almost everybody falls into a narrow, rigid groove and grinds. Eventually, the groove becomes a rut. Then the rut gets a job title and a dental plan. Many even form their identity around this. Fear is the number one motivator that gets employees to show up at work. So then, do most people lead fear-based lives? It's almost insane. Sheesh! We have skyscrapers, interstate highways, world-class universities, abundant natural resources, advantageous geography, rule of law. We've got vast capital markets. We've got technology that sent people to the moon before I was born. Endless possibilities, but yet the standard life plan is to spend our most vivacious years doing something that we didn't even want to do. What a paradox! How could a nation create so much wealth while so many people have such little control over their own time? Even then, as a teenager, I remember thinking, "Gosh, there has got to be a better way than this system somehow. I didn't yet know the way, so I started going to college at age 18.   Keith Weinhold  7:16   But this path put me on that same trajectory of get good grades, land a job, max up my 401k, which would reduce my salary, and work for four decades, and then cross my fingers and just somehow hope that promotions, inflation, taxes, a stock market that I couldn't control, and life itself would cooperate. I mean, that plan could kind of work, but your time is still doing most of the work. Your employer rents your time usually one hour at a time, and if you stop supplying the hours, then soon enough your income stops too. Capital compound. labor doesn't. The better path is to gradually separate your income from your time. That's what I began doing when, while I was working full time, I bought my first income-producing rental property a few years later, a few years after college, in fact, doing that on the side, divergent, black sheep. I was stepping out of the groove. Now I own an asset that created leverage and income, whether I'm working, sleeping, camping, climbing a mountain, or spending time with my family. So the goal then it's not to avoid hard work entirely. I mean, meaningful work that can even provide some purpose and achievement and pride. But what provides wealth? What are you going to do for that? Wealth is what happens when you're not working. Wealth is what happens when you're sleeping. Labor produces income. Assets create wealth. Grinding should be a season, even your contribution to society, but not your primarily financial strategy. So the bottom line is that we don't want to win the grind Olympics, income-producing assets help us build a life that we don't have to postpone. The entire conventional life plan, the whole thing, just never felt right to me. Intuitively and rationally, deep down, you know, think to yourself: Doesn't at least some part of you feel that way too? Thank God that I found real estate. I don't love it. I love what it does for me. You've got to love what it does for you.   Keith Weinhold  9:54   One attribute that your income property gives you is control. So. With that in mind, I put together the top five ways to increase your rental property income countdown style from number five to number one. Since you do own an asset that you can control, so we're talking about giving your rental property a raise here, and you know your property does not even need to appreciate in order for you to make it more valuable, your property doesn't need to sit around waiting for the market to appreciate like it's waiting for a promotion from corporate or something, which always takes too long. You can manufacture more income yourself. So net operating income or NOI, it only has two moving parts. It is property income minus operating expenses. Push income up or pull expenses down, and you've effectively given yourself a raise. Better yet, on an income-valued property like a five-plus unit apartment building, every additional dollar of NOI can create far more than $1 of property value. So here are the top five ways to increase your property's income.   Keith Weinhold  11:10   The fifth best way is to add ancillary income, because monthly rent it's not the only asset inside your property. Now, depending on what property type you have and what the local laws are, you can charge for pets, parking, storage, laundry, furnishings. You can charge for internet packages, utility reimbursement, reserved garages, upgraded amenities, or you can even charge in some cases for application, administrative, or lease break fees. The best ancillary income it provides something that the resident genuinely values. We're here to serve and give value to others. Importantly, it should feel like an option for your tenant with these things, not some toll booth placed between the tenant and their front door. We know how annoying it is to have a tip screen swung around and placed in your face. Even an additional 25 or $50 per unit each month that can become meaningful across several properties. The fourth best way is to cut your controllable operating expenses, and you know what most investors do, and it is easy to fall into this, and I certainly have too at times. You know, most investors they carefully negotiate the property's purchase price at the beginning, and then they spend years casually accepting every recurring bill, audit your expenses rather than just accepting last year's cost plus inflation.   Keith Weinhold  12:49   So closely look at your property management fees, landscaping and snow removal, pest control, cleaning, trash service, water consumption, and any leaks that you might have. Common area electricity, repair labor and material markups, service contracts, and preventive maintenance. Gosh, I really lost a lot of money in pest control one time when the pest would just move from one apartment unit to the other, and we just couldn't get it trapped or stopped. Loyalty is admirable in marriage. It is less compelling when your landscaping company raises its price 14% every year. So solicit competing bids, consolidate your vendors where you can, install efficient fixtures where the payback period makes sense and where the break-even math works. But now, don't confuse expense reduction with maintenance neglect.   Keith Weinhold  13:53   That is one danger. So you know, if you delay a $300 repair until it becomes a $3,000 emergency, well, that really doesn't increase your NOI. It merely makes this month's numbers lie. Now, as I tell you about this list, you might think sometimes, "Oh, I've heard of that one before. Okay, but yeah, are you actually doing it? The third best way to increase your property's income is to challenge taxes and shop insurance because property taxes and insurance they are really among your property's largest operating expenses. So therefore, if you get good at this, you can both increase your net income and you will have gained a new skill that you can apply later and elsewhere. Yet you know a lot of owners they treat property tax and insurance sort of like the weather. They complain about them and then they just assume that nothing can be done. Possible moves that you can make are appealing in excessive property tax assessment, correct inaccurate property records. You can compare insurance carriers as often as annually. Adjust your deductibles when it's appropriate. Be sure you remove redundant coverage. Make sure that there's no overlap there. You can add safety or resilience improvements that qualify for insurance discounts, and then at the same time, sometimes that improves your property's value. You can check the property's classification and claims history for any errors there. So you know every legitimate dollar saved that flows directly into your NOI, your net operating income. Remember, mortgage payments though they do not factor into NOI. Neither do major capital expenditures. Refinancing can improve your cash flow, but that does not increase the property's NOI, and that's what we're talking about today. But when it comes to property tax appeals, you remember a while back on the show, perhaps a year ago, I went into detail on just how you can do that.   Keith Weinhold  16:00   Now we're up to number two. The second best way to increase your NOI is to raise rents intelligently, and really this is the most obvious strategy. But it isn't as simple as typing a larger number into your renewal letter and then just sort of hoping that your tenant doesn't notice. Bring rents closer to market without automatically chasing the absolute maximum. That can include gradual increases at renewal, premiums for upgraded units. How about a premium for the unit with the best view? If you have one of those, higher rent for furnished units, appropriate charges for garages or shorter lease terms. I mean, shorter lease terms, like a six month instead of a 12 month, that can get you a bump up in the rent. Be sure to eliminate any unnecessary concessions, like the first month's rent is free. Do you really have to continue to do that? And use better listing photos and copy to support higher rents. It's easy to have AI write some good snappy copy for you today. So the objective here is economic occupancy, not merely the highest advertised rent, because raising the rent $100, if that's going to create an extra month of vacancy that is stepping over dollars to pick up dimes. Know the market, understand the tenant, and make increases that improve NOI rather than merely improving the asking price for the REM. And the top way, the number one way to increase NOI is reduce vacancy and turnover. Yes, you might have heard that before, but it is still the most overlooked NOI lever, even though it's number one. An occupied unit at a sensible rent that often produces more income than an overpriced empty one.   Keith Weinhold  17:58   The way to improve your occupancy is by you starting renewal conversations 60 to 90 days before that lease comes due. Respond quickly to maintenance requests. I mean, few things frustrate a tenant more than a ceiling that is leaked for a month. Pre-market an upcoming vacancy that you have. Start that process early. Complete your turns faster, screen residents carefully, and unless you're in an especially hot market, consider offering renewal incentives when turnover would cost you substantially more than doing that. So there are a bunch of ideas for reducing vacancy and turnover. Another one, more of a modern-day one, is for you to buy and operate new build property because tenants tend to stay in new builds longer. They love that feeling that no one has ever lived there before. Suppose a unit rents for $1,800 a month. All right. Well, then one vacant month costs you $1,800 before cleaning, repairs, utilities, advertising, and leasing expenses. So the true cost of that turnover could easily be three or $4,000. And when you consider that, then giving a good resident a $250 one time renewal incentive that doesn't look generous that looks profitable for you. Keeping a responsible tenant, you know that might be the biggest quote unquote rent increase available. Just simply keeping a responsible tenant because occupied properties produce income, and empty properties produce invoices.   Keith Weinhold  19:48   Now that I've told you about the five ways to increase your property's income, let me give you some more motivation for this. It's about how $250 can become 50. $1,000. Suppose you select just a few of these five improvements, and say that that increases your NOI by just $250 per month. Okay, that's nice. That's cash in your pocket, and if you happen to apply it to a five-plus unit apartment building, since it's also valued on NOI. You take 250 bucks times 12. That is $3,000 a year at a 6% capitalization rate. Take 3000 divided by point 06. That is $50,000. You just created 50k of additional property value from only $250 of monthly NOI creation. Yeah, you are up 50k now, and here's the thing: you did not do anything that substantial. It's not like you added another story to a property, or you discovered oil underneath your parking lot, or you convinced a celebrity to move in. Okay, these are practical things that you can do in control. You simply operated the property better, and this forced appreciation relationship that applies most directly, though, to commercial and larger multifamily properties because those are the types that are valued based upon their income. A single-family rental or a duplex or a fourplex that is generally appraised primarily through comparable sales. So its higher NOI might not immediately produce the same increase in appraised value, but in either case, higher NOI it still means more cash flow for you, a stronger financial cushion, and a better performing investment. The bottom line here is that you can wait for the market to increase your property's value, or you can operate the property better and create value yourself, raise income, control expenses, and keep good residents. That is how you improve NOI without increasing your blood pressure.   Keith Weinhold  22:10   Coming up on the next few shows, we're going to speak with the original co-author of the book Rich Dad Poor Dad. Yes, we had Robert Kiyosaki on here earlier this year, but we're going to talk with the co-author alongside Robert Kiyosaki. A lot of people don't know who that is. That is going to be interesting on another upcoming episode. The man that wrote the book on the 8020 rule called the Pareto principle, he will be here. That's where 80% of the results come from. 20% of the effort. So here on GRE, there's a lot of education, strategy, and mindset coming up straight ahead today. When stocks crash, what happens to real estate? That's next. I'm Keith Weinhold. You're listening to Get Rich Education. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself.   Keith Weinhold  23:27   What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts-they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family to 66866. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Kirsten Tate  24:31   This is author Kristen Tate. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  24:49   Welcome back to Get Rich Education. I'm your host Keith Weinhold, and this is episode 625. AI songs are becoming more popular. Fortunately. AI podcast hosts-they really aren't that much of a thing yet, or else I might not be here. Thank goodness that listeners still want to hear from a real person. When stocks crash, what happens to home prices? Since 1980, there have been 10 or more major stock downturns. Guess how many of those cause national home prices to crash? Exactly zero. Now there was one pretty enormous housing decline, but that one started in housing. And what happens next? It reveals something that every real estate investor should understand a lot like real estate right now. Stocks are hovering near their all-time highs. Okay, both major assets, real estate and stocks, bumping up against all-time highs. There is a predictable rhythm about what happens to real estate when stocks crash. Now, when we look at stocks' seven big downturns that occurred just this century, as measured by the S&P 500, you know, first a lot of people think that stocks are overvalued here in the late 2020s. That is based on measures like the historic P/E ratio, the Shiller cape ratio, and the Buffett indicator. I mean, some investors are just disillusioned by how stocks' movement makes so little sense anymore. For example, when the latest labor number showed that 162,000 jobs were added in a month. That tripled expectations. I mean, people should have been like, "Hey, go USA! This is great. People are employed. All that. Nope. The stock market fell specifically in response to that. Why? Because strong employment increases the chances of higher interest rates, and sure enough, the Fed did then raise rates.   Keith Weinhold  27:09   Oh, geez, what? So a labor market collapse is then bad for America, and that's good for stocks. Yes, that is how it works. That is just stupid. So, with that context in mind, let's see what actually happened to national home prices this century during all the major stock market downturns that were not caused by housing, and then we'll get back to housings. Okay, during the dot-com bust in 9/11, that whole period about 25 years ago, stocks again. This is all per the S and p5 100 crashed 49% Home prices were up 23% during that time. We'll get back to the global financial crisis shortly. During the 2011 debt ceiling crisis, do you even remember that stocks went down 19 percent. Home prices went down just slightly, 1 percent. During the 2018 Fed tightening and trade war sell-off, stocks were down 20 percent, a classic bear market. Home prices were up 1 percent. Then came COVID. In barely a month, stocks plunged a jaw-dropping 34% This was in 2020. It was like a flash crash. What happened to home prices then? They were up 1% just a little. So, are you beginning to see a pattern, or perhaps a lack of one here during 2022's inflation peak and Fed tightening bear market stocks fell 25 percent. Home prices they were up 4% during that time period, and then during the 2025 tariff sell-off, you might remember Trump called that Liberation Day. Stocks were down 19 percent. Home prices. were essentially unchanged.   Keith Weinhold  29:06   All right, so there they were: six major stock market downturns this century, not one housing crash. All right, now let's turn the telescope around because 2008 was different since the crash was real estate induced, and it is the only time in the life of you or I or anyone alive today, even a 90-year-old, where national home prices took a significant fall. In fact, they were down 27 percent, and it took them a few years to fall that much. All right. Well, what did stocks do during this period? They fell even more, down 57% more than twice as much, 57% I mean, just imagine having a million-dollar stock portfolio and seeing its value cave in, down to 430k from a million. Okay, that's what really happened march 6, 2009, when the S and P hit its global financial crisis low, and that happened over a 17 month stock collapse. Okay, so what's really the summary? It is that in the six times that stocks led a price crash this century. Real estate held up, or it rose, and the one time real estate led the crash, stocks fell more than twice as much.   Keith Weinhold  30:31   It was 27 %versus 57%. All right. Well, that is what's happened this century. But you know this cause and effect relationship or lack thereof, that didn't just begin happening in 2000. When we stretch the history back to 1980, which is Jimmy Carter, almost Ronald Reagan era days, stocks had four more big downturns. We had the Volcker Bear Market, the famous 1987 Black Monday stock market crash, the Gulf War sell-off, and the LTCM crisis. During those four stock crashes, home prices also either stayed resilient or they rose. All right. Well, all of this is because homes and stocks, you know, they just aren't connected by some push and pull relationship. Stocks reprice in seconds. Fear spreads. Algorithms sell, and billions of dollars can disappear before lunch. Instead, housing moves more like a cargo ship that you're trying to turn around in the Mississippi River, it can take a long time. Housing transactions take months. Prices depend on local supply and local incomes, and mortgage availability, and whether homeowners are actually forced to sell. Housing provides something that every human actually needs and cannot be easily disrupted by AI. I mean, AI still cannot download a three-bedroom house onto a vacant lot. And of course, during any stock crash, what else happens with real estate? Your rent just keeps coming in as well. So the bottom line here is we're learning from history rather than having a hunch again. Home prices don't react to stock market crashes. Stock crashes and housing downturns are different events.   Keith Weinhold  32:32   A falling stock market it can eventually weaken consumer confidence. In in a severe recession, some of that can trickle in and affect housing, but history shows that a stock crash alone has not caused national home prices to fall. When stocks scream, real estate just kind of shrugs. Now, as we get back to talking about today, with real estate being cash flow challenged, you usually need a deal in order to make the numbers work. And as we know, for more than two years now, it has been wise to buy new build property and have that home builder buy down your mortgage rate rather than getting a property price discount. And do you realize that it actually works out better for you in almost every case for you to get your rate bought down than it is to get a discount. Yeah, it is often substantially better. Let's just think about an example. Say you're putting a 20% down payment on a 300k property at a seven and a half percent mortgage rate. Okay, let's compare your seller discounting the purchase price by 20k versus them instead using 20k to buy down your mortgage rate. All right, in the first scenario, let's call it then a purchase price reduction. The seller reduces it from 300k down to 280k. Your monthly payment would be 1566 $1,566. All right. Well, then your monthly savings from the price discount would be $112. You would also need 4k less for the down payment. Okay, 112 bucks a month is helpful to you.   Keith Weinhold  34:18   That might buy you dinner for two at the Olive Garden or something, at a wildly overpriced airport convenience store. By the way, this is a bottle of water and one almond, 112 bucks. Okay, but now let's compare it with the second option. If instead of a price discount, you pay the full 300k and use the 20k as a seller credit, a credit from the seller, and you use that to permanently buy the mortgage rate from seven and a half down to five and a half percent. In this case, even though it's a larger amount financed, your monthly payment is no longer 1566. It's just 1363, so your monthly savings is no longer 112 bucks. That Olive Garden dinner for two, it is 315 bucks. So therefore, using the seller credit instead of reducing the purchase price that ups your monthly cash flow by about 203 bucks. All right, and this was just an illustration. It's not a universal lender rate sheet carved into a stone tablet. But the larger lesson remains. Okay, terms are often more important than price. Negotiate the financing. That is the lesson. And of course, you can try to use this most anywhere with any seller, but it's been especially popular with American home builders for two plus years now.   Keith Weinhold  35:47   The bottom line is that the best deal isn't always the property with the lowest price; it is the one with the best financing, and it's one of the strategies that Mid South Homebuyers is going to offer on Wednesday night's webinar just two days away, and there's no negotiation needed. They are offering this, and it's where I'm going to be appearing live, and you're invited to join us from the comfort of your home or a coffee shop or wherever you are. So we're talking about properties in Memphis, Little Rock, and North Texas. New build properties for as little as about 200k, and some fully renovated resale properties for as little as 150k, and even less than that. Now, low price isn't reason enough to own an income property, but it's the fact that you get a strong rent in a stable market to support that, and they're offering what they call their triple five terms. They'll buy your mortgage rate down into the fives and provide property management for just a 5% fee for five years. And I just learned that for attendees of Wednesday night's event, they will even announce a promo code there, and you will get triple five terms for life on both financed and cash deals.   Keith Weinhold  37:12   And you know, I've got to say that when I began in real estate investing, I wish that any of this would have existed. Like when I began, I wish there even would have been new build property available. They just didn't even have that for income property when I started out. And the fact that it's managed for you from day one, I didn't know about that when I started out. I thought I had to invest only in my home market and then manage it myself. And here you get investor advantaged geographic markets, and then if that's not enough, you get that rate buy down into the fives and property management costs. It's basically cut in half to help improve your property's cash flow, and you can almost think of this as lifetime cash flow. You get to control a sustainable business model that's resistant to AI disruption, and yeah, it's sustainable. I mean, people will pay you to live there. That has happened for centuries. It's sort of the opposite of a cryptocurrency that will not exist in two years. It happens Wednesday night. You'll get to see me live along with the renowned providers from Mid South Homebuyers and their properties and their generous incentives and all the new AI investment that's acting as a tailwind coming into Memphis. Registration is free at getricheducation.com/midsouth. It's 8p.m. Eastern on Wednesday night. I'll see you there, getricheduceducation.com/midsouth. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building. Getricheduceducation.com  

More money should not cost you your peace. Jenny Melrose sits down with financial planner Leah Hadley to talk about the moment many service-based business owners hit: revenue is rising, but so is the workload, the responsibility, and the quiet resentment that follows you after hours. We get real about why “growth” can feel like a trap when you are excellent at your craft but never designed the business to deliver profit, protect capacity, and support your actual life.Leah breaks down the difference between chasing a bigger sales number and building profitability with healthy margins. We explore how to spot the hidden costs of income growth, including fulfillment demands, emotional drain, and the tax resistance that can secretly cap your success. You will also hear practical reframes around hustle culture, plus clear examples of what it means to let money make money through investing, dividends, real estate, and strategic leverage inside your business, like hiring support that frees you to focus on the work you do best.We also talk about finding your “enough number” so you are not stuck playing someone else's game online. From there, we walk through financial systems that create freedom instead of more admin: budgeting as a roadmap, forecasting tied to real client capacity, and a simple cadence for reviewing the plan every quarter. If you want sustainable business growth, less burnout, and smarter wealth building, you will leave with a clearer way to earn more without adding more.If this conversation helps you, subscribe, share it with a fellow business owner, and leave a quick review so more people can find Practice Profit. What would change for you if you stopped chasing revenue and started designing for enough?Read more hereSupport the show

What if your booked-out calendar and successful photography business weren't the final destination, but the launchpad to something even better?The truth is, wanting to diversify your income isn't a sign that you're falling out of love with your photography business. It's the next evolution of it. If you're a photographer who has reached mastery in your craft and built a stable, respected brand, then adding new revenue streams isn't a pivot—it's a power move.Let's talk about what happens after you "make it." Your calendar is full. Your pricing is solid. Your work is consistent. Clients are raving, and from the outside, everything looks perfect. And yet, there's this quiet nudge that maybe you're meant for something more.In this Episode:Why diversification is a power move, not a pivotThe difference between reactive and strategic income expansionHow to expand beyond client work without losing your identity or burning everything downFind It Quickly:00:00 - Why diversifying your income can feel uncomfortable (and totally normal)02:16 - Wanting more money ≠ falling out of love with photography07:11 - How one income stream can quietly drain your creativity13:31 - Protecting your energy, boundaries, and joy20:11 - Aligned ways photographers can diversify without burning out26:46 - Seeing diversification as growth, not quittingMore ways to connect:JOY MICHELLE INSTAGRAMWORK WITH JOY AS YOUR COACHJOY MICHELLE CO. WEBSITERead the full show notes from today's episode HERE.Are you ready for one-on-one support in your business? Let's work together to grow a business that you love, without taking away from the people you love. Let's chat on a free consultation call!Book now: joymichelle.co/coachingIf you're enjoying the content we're creating on the podcast and want to connect with others who are called to both, make sure you come join us in the PhotoBoss® with Joy Michelle Facebook Group!Join Now >>CLICK HERE TO GET 30% OFF YOUR FIRST YEAR OF HONEYBOOK!

Connect With ChazWhat does financial discipline look like when it grows from desperation instead of discipline?Janine Jennings didn't learn about net worth from a finance professor. She learned it in an ICU, watching her infant daughter fight for her life, while still working hair clients to keep the lights on. When her daughter passed, she had nothing. She restarted with one appointment and a $40 tip.Today, she runs a full tax and accounting firm, speaks the language of the self-employed, and has a formula she calls your "quintillionaire number." The number every contractor should know but almost none actually do.This episode is about money, but it's really about what it takes to stop drifting.KEY TAKEAWAYSTrack your money daily or you are drifting. Most people know what they earn. Few know what they spend. Janine says treat your finances like your phone: check it every day.Your "quintillionaire number" is your retirement target. Take your income, subtract expenses, add side income, add 3% for inflation, multiply by 2.5. That is your freedom price. The formula is on her website.Retirement is not optional just because you own a business. Self-employed people have no employer plan. Janine's entry-level tools: Acorns for a Roth IRA, Vanguard for the S&P 500. You can start with $10 a week.Resilience is the decision to keep making money move. When Janine lost her daughter, she forced herself to take one more appointment. Then one more. That is not a metaphor. That is the actual mechanism of recovery.Net worth is your number one financial metric. Income minus expenses equals net worth. If you are not tracking it, you cannot improve it.Starting over does not require a head start. Janine rebuilt twice: after her daughter's passing and again after her divorce. Both times she started with one client, one service, one next step.If you're a contractor business owner doing $1M+ and you feel stuck in the day-to-day, we built GTK for you.Through peer mastermind and 1:1 coaching, we help you:Increase profitInstall real systemsBuild a team that runs the businessGet your time backGo to gatheringthekings.com and apply for a GTK Growth Audit. We'll show you exactly where you're leaking time, profit, and opportunity.Connect with Chaz Wolfe (Host):WebsiteFacebookInstagramLinkedInYouTubeConnect with Janine Jennings (Guest):Website: jptaxservice.comInstagram: @jenningspeytontaxserviceFacebook: @JPTaxServicesLinkedIn: linkedin.com/in/janinejennings9999TikTok: @jptaxserviceYouTube: JP Tax Service and AccountingProfit Starts with Better Books!Clean books. Clear reports. Monthly bookkeeping built by business owners, for business owners.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showLike what you heard? Share this episode with a friend and leave us a review on Apple Podcasts or Spotify! Join the conversation by visiting GatheringTheKings.com and apply to connect with other high-performing entrepreneurs and their families.

Send us Fan MailGas jumps to $6.50 a gallon, bills creep up, and somehow there is still too much month left at the end of the money. We feel that pressure too, so we're bringing a grounded conversation about how to stop leaving money on the table without pretending everyone can become a tech founder, a superstar influencer, or an overnight millionaire. We zoom out to income streams that don't require hype. We also share a crucial nuance: value is bigger than cash, and learning the difference between generosity and undercharging can change how you show up in work and life. If this helps you, subscribe, share it with a friend who needs options, and leave a review. What's one way you've found to bring in extra income without burning out?Look up, and let's elevateSupport the showhttps://www.fuzzyfurryforest.com

As a coach and business owner, you KNOW you need sales, but what you don't know is why you're struggling to make sales, how to build consistent income or the real strategies you need to “take control” of sales when you experience a dip.There is so much more strategy involved in consistent sales, and more importantly, making consistent income in your business than just posting X times per week.There is also a LOT more needed to scale your coaching business than just obsessing over *new* sales every month.Consistent and predictable income comes from TWO types of sales.Inside this podcast I am breaking down the ENTIRE sales strategy you need to scale as a mom and coach with the two types of sales to focus on and a list of individual stratgies you can implement ASAP.Want to connect with Hailey?Enrollment is open right now for my LIVE 5 week program The Mom Boss Minimind! Ready to learn and build the mommy business model you've been missing?⁠ Click here to learn more and join us (3 spots left)⁠Want to get hands on support and personalized coaching from a mommy mentor, so you can scale your coaching business while being the present and joyful mama you want to be at home? ⁠Apply to join The Joyful MAMA Coach!⁠Want to connect and chat about how we can work together? ⁠Shoot me a message on Instagram @bossladyhailey

Can you build a strong savings culture even when your income is limited?In this episode of The Ugandan Boy Talk Show, Bonny Kibuuka sits down with Martin Sseguya, Chief Manager of Personal Banking at Centenary Bank, for a practical conversation about saving, financial discipline, and building long-term financial freedom.They discuss how to:• Start saving while living paycheck to paycheck• Balance personal goals with “black tax” and family responsibilities• Build an emergency fund from zero• Protect savings from impulse spending and inflation• Separate personal finances from business revenue• Teach children healthy money habits• Rebuild after losing your savings• Use Centenary Bank's savings and diaspora banking solutions• Access GonzaPay and manage financial responsibilities from abroadWhether you live in Uganda or in the diaspora, this conversation will help you rethink your relationship with money and take practical steps toward a more secure financial future.This episode is proudly sponsored by Centenary Bank.Visit Centenary Bank's official website and social media platforms to learn more about its savings products, GonzaPay, and diaspora banking services.Subscribe to The Ugandan Boy Talk Show for more meaningful African stories and conversations.#SavingMoney #FinancialLiteracy #CentenaryBank

LOCK IN YOUR EARLY BIRD PRICE DISCOUNT FOR THOUGHTFUL MONEY'S FALL ONLINE CONFERENCE (OCT 17TH) at https://www.thoughtfulmoney.com/conferenceBond yields are at their highest in decades.And that make things a lot more attractive for income investors.To explain why, and share where he sees the greatest income opportunities right now, we're fortunate to welcome back to the program Steven Bavaria, creator of The Income Factory.#incomeinvesting #bondyields #interestrates _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video.Thoughtful Money Disclosure Document: https://thoughtfulmoney.com/disclosureThoughtful Money Agreement: https://thoughtfulmoney.com/agreementIMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2026 Thoughtful Money LLC. All rights reserved.

Take a healthy 45-year-old man, one major mutual insurance company, and $50,000 a year paid for twenty years. Build that policy one way and $50,000 buys about $3.5 million of death benefit, with cash value that won't catch up to the premiums for thirteen years. Build it the other way (same company, same insured, same premium, same whole life contract) and the cash value passes the premiums in year six. In this episode, Brandon and Brantley put real illustration numbers to something we've talked about for years: whole life insurance isn't one thing. The design you choose decides almost everything about how the policy performs, and most buyers never find out a choice was made at all. For as long as we've been doing this, "is whole life insurance worth it?" has been one of the most common questions people search about whole life. We think it's the wrong question. A better one is, "How would whole life work for me?" A lot of the internet's "whole life is a rip-off" verdicts come from real people describing real policies. The trouble is that those policies were built for death benefit when the owner wanted cash, and nobody ever told them the difference. The product didn't fail them. A design they never knew about did. What we get into: Two ways to ask the same question. When we build a proposal, the illustration software can work in either direction. Tell it the death benefit you need, and it gives you the premium. Tell it the premium, and it gives you the most death benefit that premium will buy. For our 45-year-old, $50,000 a year poured entirely into base premium buys $3,563,792 of death benefit. That's a perfectly real whole life policy, and it does build cash, just slowly: $0 in year one, and about $145,000 after five years against $250,000 paid in (current dividend scale). That's roughly $100,000 upside down, which is exactly when people start scratching their heads. The same $50,000, built for cash. Roughly 14% goes to base premium, 74% to paid-up additions, and 12% to a term rider blended alongside. The death benefit starts near $1.04 million, which is about where the tax code's modified endowment contract (MEC) limits need it to be at this premium. Year-one cash value is $39,503. After five years, it's $246,290, a gap of about $101,000 over the all-base design on current scale. Not one extra dollar of premium went into getting there. On current scale, the cash value passes total premiums in year 6 instead of year 13. On guarantees alone, it's year 11 instead of year 21. What you give up, and why it works. The trade is about $2.5 million of death benefit, and in particular a large share of the guaranteed death benefit. Here's why that turns into more cash. The insurer manages the money the same way either way. It simply has less death benefit to back with your premium, so more of your dollars show up as cash you can use. The gap grows with time. By age 65 (twenty years of premiums, $1 million paid in), the cash-focused design shows about $1.61 million of cash value against $1.31 million for the all-base design on current scale. That's more than a $300,000 difference. On guaranteed values alone, it's $1.13 million against $991,000. What that means as retirement income. Illustrated as policy loans from age 65 to 90 on the current scale, the cash-focused design supports about $80,700 a year against about $65,300. That's roughly $15,400 more a year, or close to $1,280 a month you can actually spend. Policy loans aren't taxed as income as long as the policy stays in force and isn't a MEC. Like every income figure here, these depend on future dividends and a loan rate nobody knows in advance. The stress test: cut the dividend scale by a full 1%. That's a big reduction. Income drops to about $71,900 on the cash-focused design and $58,700 on the all-base design. The cash design actually loses slightly more in percentage terms (about 10.9% against 10.1%). Even with the lower dividends, though, it still pays more than the all-base design does with no cut at all. The levers behind the gap. Base premium versus paid-up additions, blending in term, how long you pay, and funding right up to the MEC line without crossing it. One caution: this isn't a checklist you hand to someone and say "blend it and add PUAs." Every carrier handles the term rider and the paid-up additions rider differently, and the details decide the result. Neither design is "bad." Some people really do need $3.5 million of permanent death benefit that will be there no matter what. For them, the all-base design is the right policy. It only becomes a bad policy when the buyer wants cash, and nobody asked. Who this is actually for, and who it isn't. It fits people who already have a strong position and can put a meaningful amount in every year (we use $50,000 here, and $25,000 and up is where the case gets compelling) for at least ten years before they plan to draw on it. It doesn't fit anyone without other savings, anyone with tight cash flow, or anyone with a short horizon. The 70-year-old hoping to fund it for three years and then take income is in that last group. It's also not a substitute for growth assets. The honest framing we keep on air: every number in this episode comes from one carrier, one insured (male, 45, preferred non-tobacco), and the current 2026 dividend scale. Figures are non-guaranteed unless we call them guaranteed. Dividends can and do change, and the policy loan rate is variable (5.4% when we ran these illustrations). Your age, health, and budget will change the numbers, though not the basic pattern. This is not investment advice. Securities have their place in a retirement plan; we just don't sell them, and this episode stays in our lane: whole life design, cash value, and policy loans. Everything in this episode was a 45-year-old putting in $50,000 a year. You're not that person. Want to see what a well-built policy would do with your money? Don't let ChatGPT be the last word. It will give you a confident verdict about a design it never specified, and confidently wrong is still wrong. Tell us a few things about where you stand, and Brandon will build a design at your numbers and send you a private video walking through it page by page, within two business days. No call required, no pitch. If whole life isn't the right tool for you, the video will say so. Run my numbers. Not ready for your own numbers yet? Brandon's free buyer's guide lays out this episode's two designs side by side, then well-built policies at $25,000, $100,000, and $250,000 a year, and the five things to check on any illustration you've been handed. Get the free guide.

First, their income was too low to get the loan. They fixed it ... then the market fell, and suddenly their equity fell short, too.So, how did this couple finally cross the line into their first investment property?In this Case Study Sunday, Steve and Vicky share a 5-year journey of hitting wall after wall and refusing to give up.You'll learn:Why the bank turned them down … and how they changed their mind What it REALLY takes to save your way to a deposit How these investors are building towards $100k of passive incomeThe lesson? Sometimes you do everything right and still get knocked back. Getting there anyway is the whole story.Want to share your story on Case Study Sunday? Send us a message, email ⁠⁠ed@opespartners.co.nz⁠⁠For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

Are you tired of facing the same financial problems, underpaying clients, or self-sabotage cycles over and over again—wondering why your results never seem to change no matter how hard you work? In this session, we unpack a powerful Divine Download revealing that when a frustrating financial pattern repeatedly shows up in your life, it is not a brand new problem—it is an old lie operating under the surface. Ambitious spiritual leaders often get caught treating symptoms, reacting out of fear, or blaming external circumstances. By becoming aware of the repeating pattern, taking full ownership with self-compassion, and uncovering the subconscious "payoff" keeping you tied to restriction, you strip the lie of its power and step into your true creative authority. If you are ready to stop falling for the same subconscious traps, uncover the hidden beliefs dictating your income, and align with Divine strategy to build predictable $5K–$10K+ monthly wealth in your true design, this session provides the exact internal blueprint you need. In this video, you will explore: • How recurring financial or relational problems reveal hidden, unexamined lies in your baseline beliefs • Why taking full ownership of what you created is the fastest path to sovereign transformation • The subtle psychological "payoffs" (like safety, sympathy, or avoiding rejection) keeping you stuck • Why loving yourself through the discovery process is necessary to break fear-based loops • How to unhook from a limiting belief and step into expanded prosperity across all areas of your life ---

This week in the guest chair, Symone' Austin shares her powerful journey from being laid off to building a thriving YouTube platform.After recording and posting her layoff conversation, her video went viral and became the turning point in her entrepreneurial journey. In this episode, she breaks down how she built multiple income streams through YouTube ad revenue, brand partnerships, digital products, virtual assistant work, and strategic financial decisions like bringing on a roommate.If you've been navigating uncertainty, considering content creation, or wondering how to turn a setback into leverage, this episode will show you how.Highlights Include00:00 – Recording the layoff conversation that changed everything04:30 – Growing from 10K to 60K+ subscribers in one year08:20 – Making $5,900 in one month from YouTube ad revenue13:00 – Cutting expenses and surviving without touching savings18:10 – Turning skills into income: photography, digital products, VA work24:00 – Why personal finance has one of the highest CPMs on YouTube29:00 – Replacing a corporate salary through content creation35:00 – The reality of working 7 days a week as a full-time creator38:00 – Getting a roommate as a financial reset strategy43:00 – Navigating job offers after deciding to go all-inLinks Mentioned in This EpisodeWatch Symone's YouTube video “I Got Laid Off From My 6 Figure Tech Job”Podcast Moguls: Start the Podcast That Builds Your Exit PlanRead Successful Failure by KevOnStageWatch & ListenWatch this episode on YouTube and listen on all podcast platforms:Apple Podcasts: https://podcasts.apple.com/us/podcast/side-hustle-pro/id1126021323Spotify: https://open.spotify.com/show/13qDj08lBR4ymzGhXIKy8tYouTube: https://www.youtube.com/sidehustleproAnnouncementsIf you're ready to build a podcast that becomes your exit plan, attend my next live class: Start the Podcast That Builds Your Exit Plan. Save your seat here.Social MediaYouTube: Life and Numbers: https://www.youtube.com/lifeandnumbersInstagram: @lifeandnumbers: http://instagram.com/lifeandnumbersSide Hustle Pro – @sidehustlepro#SideHustlePro Hosted on Acast. See acast.com/privacy for more information.

Harrison Riley is the founder of GBV, focused on making real estate investing accessible to everyone. He owns 16 small multifamily properties in Pittsburgh and is a Limited Partner in seven syndications. After joining Rod Khleif's Warrior Group, Harrison has continued building his real estate portfolio while helping others create wealth through real estate. Here's some of the topics we covered:   Harrison Riley's journey from consulting and Okta to real estate investing Replacing his W-2 income through 16 small multifamily properties in Pittsburgh Lessons from bad deals, difficult tenants, and a costly contractor mistake Overcoming fear and making the leap from small multifamily to a 186-unit deal The importance of mentorship, strategy, and building a strong real estate team Using corporate skills in technology, operations, and investor relations to create value Taking action, learning from mistakes, and building a career around family and personal freedom If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon.   For more about Rod and his real estate investing journey go to www.rodkhleif.com  

In this episode, we break down why traditional single-family rental properties are losing ground to cash investments like 10-year government bonds. With the shifting economic landscape and rising business bankruptcies signaling tightening consumer spending, investors must adapt their wealth-building strategies. We explore a real-world case study of a listener navigating a $250,000 inheritance, detailing exactly why paying off a 2.75% mortgage is a lost opportunity cost compared to leveraging high-yield debt funds and index funds.Beyond tactical asset allocation, this discussion unpacks the critical differences between cash-on-cash returns and the Internal Rate of Return (IRR) to help you accurately measure your portfolio's performance. Finally, we share insights into the Imagos Income Fund's recent momentum, an exclusive VIP experience giveaway, and a powerful reminder on how volunteering can create the clarity needed to operate from gratitude rather than scarcity.KEY TOPICS DISCUSSEDDesigning a designated weekly day for personal enjoyment and mental clarityStrategic capital allocation and investment planning for a $250,000 inheritanceWhy paying off a 2.75% mortgage is a financial lost opportunityThe fundamental differences between cash-on-cash returns and IRRWhy 10-year government bonds currently outperform single-family real estateThe Wendy's bankruptcy and shifting consumer retail trendsUpdates, minimums, and target returns for the Imagos Income FundBuilding perspective and gratitude through family volunteeringKEY TAKEAWAYSLeveraging low-interest debt is a powerful wealth-building tool; keeping a 2.75% mortgage allows capital to earn higher yields in debt funds or the S&P 500.For the first time in nearly two decades, government bonds are offering a better, risk-mitigated return than traditional single-family rental properties.Cash-on-cash return measures your annual cash flow, while IRR accounts for total profitability including principal paydown and equity appreciation.The tightening consumer economy is causing major retail bankruptcies, signaling a critical time to pivot investment models and strategies.Context creates clarity; volunteering your time provides a powerful perspective that improves financial and personal decision-making.CONNECT & TAKE ACTIONText "INCOME" to 844-777-1434 to get the full investor presentation for the Imagos Income Fund.Text your financial questions to 844-777-1434 to get them answered on the show.Enter the VIP Hollywood Horror Nights giveaway by visiting imagos.group/hollywood.Apply for bespoke VIP concierge services at imagosx.com.Connect with Matty A on social media at @officialmattya.Explore luxury condo living at Skyline OC by visiting skylinocresidences.com.

For fifteen years, the estate planning playbook said the same thing: get assets out of your estate before you die. That advice made sense when the exemption was $5 million. It makes a lot less sense now that it's $15 million per person and $30 million per married couple, and permanent.In the first episode of our six-part Tax Alpha Protocol series, David Chudyk, CFP®, is joined by wealth strategist Cliff Morgan, founder of Net Worth Accelerant. They break down what the One Big Beautiful Bill Act actually locked in, the SALT deduction trap hiding between $500K and $600K of income, and why gifting appreciated assets during your lifetime can quietly hand your heirs a seven- or eight-figure capital gains bill.In This EpisodeThe federal estate exemption is $15M per person ($30M per couple) for 2026 and permanent. For most families, capital gains is now the bigger threat.Gifting appreciated assets during life passes along your low basis. Assets inherited at death get a step-up in basis.If your MAGI sits between roughly $500K and $600K, the SALT phase-out can push your marginal rate into the mid-to-high 40s.The expanded SALT cap expires January 1, 2030. Plan around it now, not in 2029.Residents of states with their own estate tax, and business owners with valuable companies, may need a custom strategy.Donate appreciated securities directly; never sell first and donate the cash.What the One Big Beautiful Bill Act Locked InSigned on July 4, 2025, the One Big Beautiful Bill Act (OBBBA) removed the cliff that had high-net-worth families scrambling. Instead of the estate exemption falling to roughly $7 million per person when the Tax Cuts and Jobs Act sunset, it rose to $15 million per person for 2026 and will be indexed for inflation going forward.Income tax brackets are permanent: 10%, 12%, 22%, 24%, 32%, 35%, and a top rate of 37% (instead of reverting to 39.6%).Bracket creep protection: bracket thresholds keep adjusting for inflation every year, so a cost-of-living raise doesn't automatically push you into a higher bracket.Charitable cash gifts: the 60%-of-AGI limit is now permanent. But starting in 2026, itemizers only get a deduction for contributions above 0.5% of AGI, and corporations only above 1% of taxable income (still capped at 10%).The Asterisk: State Estate TaxesThe federal number isn't the only number. Roughly a dozen states plus Washington, D.C. levy their own estate tax with far lower exemptions, as low as $1 million in Oregon. If you live in one of them, you need a custom strategy.And business owners get there faster than they think. David raised the point on air: a company doing a few million in revenue with healthy EBITDA can be worth $7–9 million on paper, even if you don't have anywhere near that in cash. Add a couple of well-funded 401(k)s and a house, and a "huge" state exemption stops looking so huge.The SALT "Squeeze Zone"The state and local tax (SALT) deduction cap jumped from $10,000 to $40,000 for 2025 ($40,400 for 2026), rising 1% a year through 2029. That's real money for people who itemize. But there are two catches.Catch #1: the income test. Once your modified adjusted gross income passes roughly $500,000, you lose 30 cents of that extra deduction for every dollar you earn above the threshold, until you're back down to the $10,000 floor at around $600,000. Inside that band, your effective marginal rate spikes.Catch #2: the expiration date. On January 1, 2030, the expansion disappears and the cap drops back to $10,000 for everyone.Cliff's example: a specialist earning around $500,000 agrees to pick up one extra ER shift. Because every extra dollar also shrinks their SALT deduction, the federal tax on that shift lands in the mid-to-high 40% range. Nearly half the shift, gone. The fix is planning ahead: maximizing pre-tax retirement contributions and timing deductions to keep MAGI below the phase-out while the window is open.Carryover Basis vs. Step-Up in BasisThis is the heart of the episode. Two sections of the tax code have worked the same way for decades. What changed is the context around them.Section 1015 (lifetime gifts): if you give an asset while you're alive, the recipient inherits your original cost basis, along with every dollar of unrealized gain.Section 1014 (inheritance): if that same asset passes at death, the basis resets to fair market value on the date of death. The built-up gain isn't deferred. It's gone.David's illustration: $10,000 invested in Microsoft roughly 40 years ago would be worth about $62 million today (past performance is not indicative of future results). Gift those shares to your kids while you're alive and they're holding a $10,000 basis. If they sell, the federal capital gains tax alone runs well north of $10 million. Leave the shares to them at death, and that gain is wiped clean.When the estate tax kicked in at $2 or $5 million, paying that basis cost to dodge a 40% estate tax often made sense. At $15 to $30 million, the math has flipped for the overwhelming majority of families."Don't let 2017-era tax anxiety drive a 2026 decision. The law changed, the threats changed, and the playbook has to change with it." David Chudyk, CFP®Three Filters Before You Gift an AssetHow much growth has already happened? A low-basis asset that has already done most of its appreciating usually favors holding until death. Gifting it just turns a future tax-free event into a taxable one.How much room is left to run? Early-stage assets, like pre-IPO equity or a young, fast-growing business, can be better lifetime-gift candidates, but only if moving that future growth out of your estate actually changes your outcome.Are you charitably inclined? Gifting appreciated securities directly to a charity or donor-advised fund can be the cleanest move on the board: no capital gain, a fair-market-value deduction, and no basis problem. Just don't sell first and donate the cash, which gives up the benefit.The "Wrong" Financial Decision Can Be the Right Life DecisionNot every choice should be optimized for taxes. Paying a grandchild's tuition or helping with a first car while you're here to see it can be worth a tax bill. As David puts it: don't make every decision based on taxes, and don't make decisions without considering taxes. Your health, life expectancy, and goals all belong in the conversation.Doing Some of Both: Securities-Backed Lines of CreditSometimes it doesn't have to be either/or. A securities-backed line of credit lets you borrow against a portfolio instead of selling it, so you can help family now without realizing the gain, while the shares can still receive a step-up at death. The loan is repaid from the estate, and Cliff noted that life insurance can be used to replace that amount for heirs if you're insurable.It's a tool, not a free lunch: you pay interest, market drops can trigger collateral calls, and a large gift to a family member still counts as a gift for reporting purposes. This is exactly the kind of move to model with an advisor before you pull the trigger."If you really know how the game is played and you can play the game, it's truly to your advantage." Cliff MorganWho Not HowDavid closes with one of his favorite ideas from Dr. Benjamin Hardy and Dan Sullivan's Who Not How: when you face a complex problem, ask "who can help me solve this?" instead of "how do I figure this out myself?" A surgeon, a business owner, or any high earner creates the most value doing what they're trained for, not reading the tax code at midnight.Your Vision Deserves 10 MinutesNot sure whether to gift now, hold for the step-up, or do some of both? Book a free Vision Call with David and talk through your situation at the 30,000-foot level. Schedule your Vision CallOwn a business? Find out what it's really worth to a buyer, and how that value affects your estate, with the free Sellability Score.The Tax Alpha Protocol SeriesPart 1: The One Big Beautiful Bill Act, estate exemptions, and step-up in basis (this episode)Part 2: Deconstructing active income offsets and real estate tax trapsPart 3: Complex exit liquidity and private contract trust structuresPart 4: The state income tax nexus trap and remote work liabilitiesPart 5: The generational tax bomb and wealthy psychologyPart 6: Alternative liquidity and the family office triadAbout Cliff MorganCliff Morgan is a wealth strategist and the founder of Net Worth Accelerant. After years helping Fortune 500 companies cut costs and build new revenue streams, he moved into finance and commercial real estate and has spent more than five years working with a family office, learning the strategies and mindset of generational wealth.Find Cliff on...

We've been taught to think about income in a very specific way- your business revenue, a bonus, the commission, the client who just paid your invoice. You can see where the money came from. You can point to what you did to create it. And somewhere behind all of that money are hours of your fucking life.But there is another form of wealth creation happening that almost nobody celebrates, nobody posts about, and often we're not even acknowledging as money we're making. I call this invisible income.Tune in to learnWhy $100K is not all created equal.Why one way of creating income is radically more powerful than the other.Which income stream is actually easier to scale.The six reasons invisible income is not just more important, but more powerful when it comes to building wealth.Why the most powerful income in your life should be the money that nobody pays you at all.

This week we're covering how to report community income earned by a nonresident spouse.

Listener Q&A where Andy talks about: Follow up thoughts on a previous question about whether it's better to use $27k of cash to make a mega backdoor Roth contribution, or to do a $100k in-plan Roth conversion and use the $27k to pay the taxes on it ( 4:01 )Why the 4% rule isn't called the 3% rule, when working with an advisor who charges 1% of assets under management ( 13:52 )His thoughts on how Artificial Intelligence might impact the advisory world with regards to service offerings and fee structures ( 17:25 )Similarities and differences between Required Minimum Distributions ("RMDs") and annuity income ( 22:56 )A few questions about Treasury Inflation Protected Securities, or TIPS: how they might fit into a retiree's portfolio, how to choose the length of maturity, if there is a minimum yield one should target to justify it, and thoughts on deciding what allocation to use between TIPS and equities ( 26:24 )Social Security claiming thoughts for a married couple where one spouse doesn't have any earnings history or Social Security benefit of their own; should the other spouse not delay starting their benefit so the other spouse can start spousal benefits sooner? ( 39:56 )If investing money for your child, how to decide between funding a Trump account or a Roth IRA ( 45:38 )Whether Roth conversions would still make sense if you have to pay tax via distribution and withholding out of the conversion, instead of paying the tax out of "outside" funds such as cash from bank or brokerage accounts ( 50:15 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial's August 2026 newsletter - Trump accounts; what they are, how they work, and use casesTenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Most guidance on how to budget with irregular income assumes a paycheck that arrives the same way every two weeks. Chapter 12 is where the system flexes to meet you where you actually are.That's anyone self-employed, freelancing, on commission, working overtime, or running a business where no two months look the same. It's also anyone with a perfectly steady paycheck who is living through a season that is anything but.If that's you, you may be thinking: my paychecks aren't predictable, so how does this work for me? It works. And it may matter more for you than it does for someone whose income never moves.You have a variable on one side of the equation that you can't fully control. You can influence it; you can hustle, close deals, pick up extra shifts. But you can't guarantee what comes in or when.So the move isn't obsessing over predicting your income. It's getting so clear on the other side, what your life actually costs, that any check that lands becomes simpler math. The routine does not change, you still budget by paycheck, the checks are just different sizes. There's a real estate agent in this chapter with a $25,000 commission check. Without a number to measure it against, a check that size feels like a windfall. With a monthly SpendFirst number of $7,500, it says something specific instead: this covers just over three months of my life. If her next deal closes in sixty days, she can stop doing math and go do the work.In this chapter, you'll hear about the Deposit Account, where all your income lands first so you pay yourself a steady paycheck on a schedule you choose. You'll also see how to work backward from your number to your comp plan, and what to do when a lump sum shows up.Priya taught for eight years, then left to start a tutoring business, and within six months she had more clients than she'd expected and less certainty about anything financial than she'd ever experienced in her life. She came to Kelsa not in crisis, but in the particular kind of confusion that comes from having done all the right things and still feeling unsteady. What the self-made paycheck gave her was the one thing variable income never offers on its own: a rhythm.Jamie's season looked different. IVF, then maternity leave, her SpendFlex at zero, nothing moving forward for months. "The hardest part wasn't the money," she said. "It was my own brain telling me I should be doing more. But the system held us, we didn't go backward."What you'll walk away with is a way to make income the only thing in your financial life that moves.SpendFirst comes out November 11 and you can pre-order now. If you earn fine and still feel like you're guessing at the numbers, that's what the Paycheck Quiz sorts out in about 2 minutes.Subscribe so you don't miss next Thursday.

In this episode, we explore why the income we earn isn't the same as the return. We show how option income strategies work, what their historical returns have been, what drives the return, and what reasonable return expectations are.We show why option income strategies have a positive expected return while sports betting has a negative expected return.Finally, we look at other areas where we confuse income with the total return.SponsorsMoney for the Rest of Us Retirement Investing CohortDelete Me – Use code David20 to get 20% offOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesEpisode slide deckVariance Risk Premia by Peter Carr and Liuren Wu—NYUCross section of option returns and idiosyncratic stock volatility by Jie Cao and Bing Han—The Journal of Financial EconomicsThe Price of Correlation Risk: Evidence from Equity Options by Joost Driessen, Pascal J. Maenhout, Grigory Vilkov—SSRNCross-section of option returns and volatility by Amit Goyal and Alessio Saretto—The Journal of Financial EconomicsThe Art of Put Selling: A 10 Year Study by John Marshall, Krag Gregory, Katherine Fogertey—Goldman SachsLow Stress BetsRelated Episodes557: Don't Fall in the Dividend Trap549: Why Catastrophe Bonds Are Yielding 12%, and Should You Invest?544: Sports Betting Is Not InvestingArticle: Tail Events and Tail RiskSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The financial markets are navigating a wave of complex signals, from the Federal Reserve's unexpected decision to raise interest rates amidst cooling inflation to shifting geopolitical tensions in the Middle East. Despite the volatility, equity markets remain resilient, and experts project significant upside as oil prices stabilize and international negotiations advance.Simultaneously, alternative assets are seizing the spotlight. Cryptocurrencies are breaking out of their bear market ranges with strong institutional inflows, while private credit funds offer compelling alternatives to traditional real estate investing, which is currently facing a 31-year low in mortgage demand.KEY TOPICS DISCUSSEDThe unanimous FOMC decision to hike rates despite core CPI dropping to 2.4%Geopolitical cooling in the Middle East and its downward pressure on crude oil pricesMarket projections anticipating 13.7% growth for the S&P 500 over the next 12 monthsThe upcoming summit between President Trump and Xi Jinping regarding rare earths and tariffsArtificial intelligence market dominance and AMD returning to a trillion-dollar valuationBitcoin's resurgence past $86,000 and the rising influence of international futures marketsThe severe affordability crisis stalling the single-family residential real estate marketThe rapid expansion of the private credit market to $2.9 trillion as an alternative investmentThe resurgence of the collector economy and real-world asset tokenizationKEY TAKEAWAYSThe Fed's latest rate hike contradicts typical policy responses to falling inflation, highlighting a hyper-focus on absolute price stability over market sentiment.A cooling of geopolitical tensions in the Middle East, particularly around the Strait of Hormuz, could serve as a massive tailwind for equity markets.Single-family real estate currently presents one of the most challenging investment landscapes due to peak home prices colliding with 7% mortgage rates.Private credit is rapidly absorbing capital from traditional real estate investors who are seeking steady yield without the friction of property management.Cryptocurrencies are seeing renewed institutional support and international inflows, signaling a potential long-term breakout from recent consolidation.CONNECT & TAKE ACTIONFor a free portfolio review and fee analysis, text X-RAY to 844-777-1434To learn more about passive income through the Imagos Income Fund, text INCOME to 844-777-1434Explore luxury living and investment opportunities at Skyline OC by visiting skylineocresidences.com

James Patrick spent six days in the hospital and suddenly faced a problem every photographer should think about: when your income depends on you physically showing up with a camera, what happens when you can't? Getting sick. Getting injured. Taking care of your kids. Your car breaking down. Taking an actual vacation. For many professional photographers, time equals money. If you're not shooting, you're not earning. And that's a dangerous business model. In this episode of Beyond the Image, James breaks down why photographers need to stop relying exclusively on trading their time for money and start building revenue streams that can continue working when they're not behind the camera. James shares the different ways he has diversified his own photography business, including: Teaching and online education Speaking engagements Books and articles Image licensing Associates shooting under his company Content production Studio rental Magazine revenue Podcast advertising Sponsored content and brand partnerships Paying himself a consistent salary The goal isn't to stop shooting. The goal is to make sure shooting isn't the only way you get paid. Because eventually, you will run out of time. And if every dollar your business generates requires you to personally be there to earn it, you've built yourself a job with a camera attached to it. This episode is about building a photography business that can support you even when you're not holding a camera. In this episode: 00:00 The problem nobody talks about 02:00 What six days in the hospital taught me about my business 04:00 The danger of trading time for money 06:00 What happens when you get sick, injured, or want a vacation? 08:00 How to diversify your photography income 12:00 Making money without picking up a camera 15:00 Why paying yourself a salary matters 17:00 Protecting your income with disability insurance 19:00 Build a business that supports your life The big question: If you couldn't pick up a camera for the next 30 days, how much money would your business still make? That's probably a question worth answering.