Podcasts about Inflation

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Discover why inflation is lower than expected. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

⬜ Welcome to Palvatar Market Recap, your go-to daily briefing on the latest market movements, global macro shifts, and crypto trends—powered by Raoul Pal's AI avatar, Palvatar ⬜ In today's update, Palvatar highlights inflation as the market's main focus ahead of the upcoming Fed meeting, with delayed PCE data likely adding early-session volatility. Softer U.S. jobless claims ease labor-market worries, while Germany's strong industrial orders and Japan's improving economic indices offer global optimism. India's rate cut supports growth, Netflix makes an $83B splash with Warner Bros., and BlackRock's bitcoin ETF faces a sixth week of outflows.

After weeks of speculation, back and forth over bad theories on inflation and what seemed to be a steady stream of hawk-sounding Fed policymakers, the market has spoken. We know right now what the FOMC is going to do next Wednesday. But what comes after that is still somewhat up in the air, though not nearly as much as you might think given all the noise recently.  Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------EDU's Webinar SeriesThursday December 17, 6pm ETA Trillion-Dollar Eurodollar Bomb is going Off on Wall StreetThe most important funding system in the world is flashing warning signals, and almost no one is paying attention.https://event.webinarjam.com/m9wym/register/n0rnxu7n---------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The Inside Economics team laments the lack of a November jobs report but dives into the wealth of data released this week about the labor market, income, and consumer spending. The discussion then turns to affordability and whether it's a con job or whether households are feeling a real financial pinch. A listener question turns the conversation toward Federal Reserve independence and whether Jerome Powell's successor is likely to have outsize influence on interest rate decisions.Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

MRKT Matrix - Friday, December 5th S&P 500 gains for a fourth day, nears record after light inflation reading (CNBC) Core inflation rate watched by Fed hit 2.8%, delayed September data shows, lower than expected (CNBC) Are Industry Analysts Overestimating S&P 500 EPS For 2026? (FactSet) Netflix to Buy Warner Bros. in Historic $72 Billion Deal (Bloomberg) Netflix's Warner Purchase is an $82.7 Billion Blunder (The Information) Apple Departures Point to Challenges for iPhone's Dominance (Bloomberg) SpaceX Tells Investors It's Aiming For 2026 IPO (The Information) --- Subscribe to our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://riskreversalmedia.beehiiv.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

Your 60-second money minute. Today's topic: Wages Aren't Keeping Up With Inflation For Some Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tripp Limehouse discusses the evolving challenges retirees face today, including inflation, healthcare costs, and longevity risk. He emphasizes the importance of proactive planning, understanding spending needs, and the necessity of a solid income strategy to ensure a comfortable retirement. The conversation also covers the significance of social security planning and estate planning essentials, providing listeners with actionable insights to navigate their retirement journey effectively. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

AP correspondent Marcela Sanchez reports on the latest consumer data, delayed for five weeks because of the government shutdown.

Price increases are hitting us hard here at WWL as we struggle to adapt to the new prices of the snacks in the kitchen vending machine

In episode 1974, Jack and Miles are joined by comedian and host of Spaced Out, Blair Socci, to discuss… Trump Called Affordability a Scam and a Con Job, Quentin Tarantino Randomly Picks Fight With Paul Dano, Stealing Baby Jesus Has Become A Holiday Tradition and more! Trump Called Affordability a Scam and a Con Job Quentin Tarantino trashes 'weak sauce' There Will Be Blood star: 'The weakest male actor in SAG' Quentin Tarantino's 10 best movies of the 21st century Quentin Tarantino Explains His Love For ‘The Lone Ranger’ Faceless Nativity scene on Brussels’ Grand Place sparks international controversy A controversial infant Jesus is stolen from a Belgian Nativity scene Away from the manger: Jesus stolen from Brussels nativity in 'zombie' row 'A provocation without purpose?' Brussels split over 'faceless' nativity scene in Grand Place Thefts of Baby Jesus Statues Unnerve New Jersey Churches GPS, hidden cameras watch over Baby Jesus Baby Jesus theft The Stolen Baby Jesus Syndrome How to Keep Baby Jesus in the Manger? Bolts, Cameras and Tethers How Indiana churches hope to stop thieves from stealing Baby Jesus New York Times and 20/20 Spotlight BrickHouse Holiday Theft-Prevention Tech Man convicted of stealing Baby Jesus statue from Northern Liberties church speaks out Theft of baby Jesus figure may be hate crime, authorities say Police: Homeless woman replaced baby Jesus with pig's head Woman Charged With Replacing Jesus Nativity Statue With Pig's Head In Haverhill Statue Of Jesus Stolen In 1930s Anonymously Returned To Hoboken Church LISTEN: Dreamflower by Tarika BlueSee omnystudio.com/listener for privacy information.

November now makes three of the last four months and four of the last six with negative private payrolls. According to ADP, the US private economy shed 32k jobs last month, the most yet in the cycle. And it turns the 6m average negative for the first time, so serious problems in labor – which are creating bigger ones in the housing market. According to the latest official numbers from the government, home prices fell for the fourth time in the last five months and that brought the annual rate of change down to the lowest since February 2012. Yes, February 2012, the bottom of the housing bust. Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider--------------------------------------------------------------------------------------------------------------------Federal Reserve Beige Book November 2025https://www.federalreserve.gov/monetarypolicy/files/BeigeBook_20251126.pdfBloomberg A Historic Housing Disconnect Is Forcing Prices Downhttps://www.bloomberg.com/opinion/articles/2025-12-01/a-housing-disconnect-points-to-lower-priceshttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The Alan Cox Show

The Alan Cox ShowSee omnystudio.com/listener for privacy information.

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James Grant, legendary founder of Grant's Interest Rate Observer, joins us for a wide-ranging conversation on cycles, interest rates, inflation, credit, the Federal Reserve, private markets, gold, and the future of investing. Grant brings five decades of historical perspective to today's market extremes, explaining why this era of ultra-low interest rates created distortions that will shape returns for years to come — and where patient investors may ultimately find opportunity.Topics Covered• The historical patterns that define major market cycles• Why interest rate cycles unfold over generations• What the 2021 bond market top tells us about the next decade• How inflation behaves like an underground coal fire• The shift from “capitalism without capital” to the “tangible twenties”• Geopolitical tension, military spending, and inflation risk• The Fed's role in shaping today's market distortions• The long-term consequences of QE and financial repression• Private credit, opaque marks, and the fragility beneath the surface• Rising risks inside life insurance balance sheets• Why credit cycles always go further than anyone expects• The challenge of finding long opportunities in today's market• Why liquidity and patience may be the biggest opportunities• Whether the classic 60/40 portfolio still works• Gold as money and why confidence in paper currencies is eroding• Jim Grant's one lesson for the average investorTimestamps00:00 Cycle extremes and market absurdities01:00 Interest rates over generations07:00 Defining major tops and bottoms12:30 Where we are in the current rate cycle14:00 Inflation, armed conflict, and tangible investment18:00 The “tangible twenties” and data center boom19:00 Coal fire inflation analogy20:00 Fed independence, politics, and monetary power25:00 The long shadow of the 2008 crisis30:00 QE, zero rates, and long-term consequences33:00 Housing affordability and locked-in rates34:00 Risks in private credit and opaque marks36:00 How far the credit cycle has progressed38:00 Japan, value investing, and long cycles43:00 Where opportunities exist today47:00 The future of the 60/40 portfolio49:00 Structural risks from low-rate distortions51:00 Freedom, politics, and economic consequences56:00 Gold as money58:00 What Jim Grant believes most investors disagree with59:30 The one lesson Jim Grant would teach the average investor

A round-up of the main headlines in Sweden on December 4th 2025. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter & producer: Michael Walsh

Don Brash on his career as a central banker at the helm of New Zealand's central bank, helping to start inflation targeting in New Zealand, his time as a politician and leader of the National Party, and more. Recorded on November 21, 2025. ABOUT THE SERIES Each episode of Capitalism and Freedom in the 21st Century, a video podcast series and the official podcast of the Hoover Economic Policy Working Group, focuses on getting into the weeds of economics, finance, and public policy on important current topics through one-on-one interviews. Host Jon Hartley asks guests about their main ideas and contributions to academic research and policy. The podcast is titled after Milton Friedman‘s famous 1962 bestselling book Capitalism and Freedom, which after 60 years, remains prescient from its focus on various topics which are now at the forefront of economic debates, such as monetary policy and inflation, fiscal policy, occupational licensing, education vouchers, income share agreements, the distribution of income, and negative income taxes, among many other topics. For more information about the podcast, or subscribe for the next episode, click here.

4:20 pm: Dean Clancy, Senior Health Policy Fellow at Americans for Prosperity, joins Rod and Greg to discuss his piece in the Washington Examiner about how President Trump has put Democrats on the spot with his new Health Savings Account plan.4:38 pm: Chris Jacobs, Founder and CEO of the Juniper Research Group and a contributor to The Federalist, joins the show to discuss his piece about how the middle class can't keep up with inflation.6:05 pm: Kevin Killough, Energy Reporter for Just the News, joins the program for a conversation about how the International Energy Agency has listened to U.S. threats to stop funding the agency and is no longer basing its forecasts of future oil demand on net-zero emissions scenarios.6:38 pm: Sean Mahoney, Executive Director of the Space Frontier Foundation, joins Rod and Greg for a conversation about today's confirmation hearing for Jason Isaacman, President Trump's nominee to lead NASA.

Consumer products giant Proctor & Gamble just came out with an unusual warning about its core business, consumer products meaning consumers. The maker of Tide detergent, Mr. Clean, Pampers, Gilette and whole bunch of other brands you use every single day just said that sales were down “significantly” in October and that it likely continued right on through November. This tracks with where Christmas holiday shopping has been so far with Black Friday and Cyber Monday.Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------Bloomberg P&G Warns US Sales Down ‘Significantly' Entering Current Quarterhttps://www.bloomberg.com/news/articles/2025-12-02/p-g-warns-us-sales-down-significantly-entering-current-quarterBloomberg Cyber Monday Spending Pace Lags Black Friday for Second Yearhttps://www.bloomberg.com/news/articles/2025-12-02/cyber-monday-online-spending-in-us-increases-7-1CNN You're paying more for less this shopping season. Now there's proofhttps://www.cnn.com/2025/12/01/business/black-friday-shoppers-holiday-seasonhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

On today's Flyover Conservatives Show, we sat down with Lt. Col. Tommy Waller to expose the truth about America's fragile power grid — and why a major solar event could take down the entire nation in minutes. He breaks down how the U.S. has been pushed toward “energy suicide,” what the Trump administration is changing, and the one threat absolutely guaranteed to hit us: a catastrophic solar storm.On today's Flyover Conservatives Show, we sat down with Lt. Col. Tommy Waller to expose the truth about America's fragile power grid — and why a major solar event could take down the entire nation in minutes. He breaks down how the U.S. has been pushed toward “energy suicide,” what the Trump administration is changing, and the one threat absolutely guaranteed to hit us: a catastrophic solar storm.You'll learn why the grid is far more vulnerable than anyone admits, how China is preparing while America isn't, and the surprisingly simple fix that could protect millions of lives — if our leaders would implement it.You'll learn why the grid is far more vulnerable than anyone admits, how China is preparing while America isn't, and the surprisingly simple fix that could protect millions of lives — if our leaders would implement it.TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To ▶ https://flyovergold.com▶ https://flyovergold.comOr Call 720-605-3900 Or Call 720-605-3900 ► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.com► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.comTommy WallerTommy WallerWEBSITE: https://centerforsecuritypolicy.org/WEBSITE: https://centerforsecuritypolicy.org/https://centerforsecuritypolicy.org/In Studio Interview: hSend us a message... we can't reply, but we read them all!Support the show► ReAwaken America- text the word FLYOVER to 918-851-0102 (Message and data rates may apply. Terms/privacy: 40509-info.com) ► Kirk Elliott PHD - http://FlyoverGold.com ► My Pillow - https://MyPillow.com/Flyover ► ALL LINKS: https://sociatap.com/FlyoverConservatives

In this episode, Tara breaks down the real math behind Trump's claim that tariffs could eliminate the income tax — and why, despite the Founders' original vision, that dream is impossible with today's bloated federal government. From trillion-dollar spending to missing billions, from Supreme Court battles to Costco jumping the line with tariff lawsuits, Tara exposes the truth behind the numbers politicians won't touch. Clear, sharp, and brutally honest — this episode cuts through the noise with facts, history, and a reality check America needs.

Plus, how much would his Plaza Hotel stay cost in 2025 with inflation?

In a special midweek episode of the Minor Issues podcast, Mark Thornton appears on Palisades Gold Radio with Stijn Schmitz. Mark argues that gold's surge isn't a fad: it's a market verdict on runaway deficits, central-bank credibility, and fiat money itself. He also explains why manipulated rates breed booms, busts, and inequality, while sound money and decentralization restore real signals.The original episode ("Dr. Mark Thornton: Early Innings for Gold, Silver Manipulation, Black Swans & Failing Markets") is available at https://www.youtube.com/watch?v=c2FUnca1q3cBe sure to follow Minor Issues at https://Mises.org/MinorIssues

Steve Rick, chief economist at TruStage, says he expects inflation to rise to roughly 3.2 percent early in 2026, and says that increase — a long-awaited after-effect of tariffs — to mute the impact of interest rate cuts and other policies. Still, he stopped short of calling for a recession, noting that he thinks the market can overcome extremely high valuations to move forward modestly. He does think the economy may be moving into a period where it supports flat or slow growth for several years, but said it can avoid a crash or a bubble popping if it can avoid nightmare scenarios that he says currently look more hypothetical than threatening. Kerry Pechter, editor and publisher at Retirement Income Journal, discusses his recent piece on what he calls "The Private Credit Instability Hypothesis," which looks at how the growing popularity of private-credit investments could be setting up a future fall akin to the subprime mortgage situation that presaged the Great Financial Crisis. Pechter is concerned that insurance companies — buying private credit to generate higher returns on annuities — will wind up holding the bag on bad paper if there is a breakdown in private-credit markets, and he believes that private credit markets will keep expanding and experiencing more demand up until the point "when something breaks." Vicken Yegparian, executive vice president at Stack's Bowers Galleries, discusses the upcoming auction of an 1804 coin — considered to be "the king of the dollars" — that stunned coin collectors because it involves the 16th version of a coin where only 15 copies were known to exist. He explains how the coin was authenticated and why it may draw more than $5 million on the auction block.

Did the tariffs steal Christmas this year?  Holiday shoppers are shelling out more cash than ever — but it turns out you're paying MORE for LESS this holiday shopping season… Is it Tariffs? Inflation? International trade Attorney, Michelle Schulz, Founder and Managing Partner, Schulz Trade Law PLLC joins the show to discuss how tariffs are impacting consumers this holiday season.

In this episode of Lead-Lag Live, I sit down with Alex Shahidi, Co-Chief Investment Officer at Evoke Advisors, to unpack the structural forces reshaping markets — from persistent inflation to weakening growth, rising deficits, and the return of macro volatility.From the limitations of the traditional 60-40 portfolio to the misunderstood mechanics behind risk parity, Shahidi explains how investors can build portfolios that survive multiple economic regimes without relying on forecasts or market timing.In this episode:– Why inflation volatility poses the biggest risk to portfolios today– How the past decade created dangerous concentration in equities– Why most investors misunderstand what true diversification means– How risk parity protects against extreme macro outcomes– How RPAR expresses a balanced, multi-regime investment frameworkLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#RiskParity #Diversification #Inflation #RPAR #Markets #EvokeAdvisors #PortfolioConstruction #MacroInvestingStart your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show

The Onion Gift Giving Method: Gift-giving season is here, and we're taking a page from etiquette guru Elaine Swann with her Onion Gift-Giving Method. Join us as we walk through the layers of this thoughtful technique and share ideas for making every gift feel meaningful. If you're looking for stress-free holiday gifting or just want to step up your present game, this episode's for you.  The Going Rate For Kids' Allowance Today: Is allowance worth the hype? Parents say yes and kids are making bank. We're talking going rates, paydays and why some parents skip allowance altogether.  What's Trending: This episode is packed: your weather rundown, a community toy drive you'll want to hear about, the latest sports highlights, and festive fun with Frosty Snow Fest coming to Daly City. We also take a moment to honor Claude, the beloved albino alligator who recently passed.  Second Date Update: Trevor called in to tell us about his first date with Melissa, who he met online and immediately impressed by loving beer, nachos, and Pixar debates. They hit a San Jose brewery, swapped favorite road-trip stories, and Melissa even got Trevor to admit he still sleeps with a fan on full blast. Effortlessly funny energy, great chemistry, and some very solid first-date vibes, so why did she ghost?  Sports Mom Dilemma: Today we hear from a sports mom who's drowning in schedules, gear, and back-to-back games. We talk through her challenges and share tips, tricks, and sanity-saving strategies for any parent trying to keep up.  Good News: We're talking about Pile of Puppies which is the Portland nonprofit that brings litters of puppies to kids battling chronic or terminal illnesses. We share the heartwarming story behind it, how it started, and the joy these puppy visits bring to families who need it most.

AI slop shownotes as per usual. Possible Episode TitlesBears, Budgets, and the Billion-Dollar InterfaceThe BOM Shell, Hong Kong Fires, and Pink Ball TacticsBamboo Scaffolds and Bureaucratic BlowoutsFrom the Kowloon Hills to the Gabba: Bears, Bombs, and BazballEpisode BlurbIn Episode 136, Jack the Insider and Hong Kong Jack connect to discuss a tragic week in Hong Kong following a devastating fire in the New Territories. The Jacks dive deep into the bureaucracy back home, tearing apart the Australian Bureau of Meteorology's "interface" upgrade that ballooned from $4 million to $94 million—a classic case of consultant heavy-lifting and public service decline.The conversation spans the globe, touching on the underwhelming COP summit in Brazil, the "shambolic" UK Budget under Keir Starmer, and the curious bonhomie between Donald Trump and his political rivals. Plus, there are bears attacking in Japan and "wrench attacks" in Vancouver.Finally, the boys turn their eyes to the Gabba for the Pink Ball Test. Can England bounce back? Is Travis Head the key? And who will take home the flag in the AFLW Grand Final?Show Notes & Timestamps[00:00:00] Tragedy in Hong KongHong Kong Jack reports on the devastating fire in the New Territories with a death toll nearing 100. The boys discuss the history of the apartment blocks, the use of bamboo scaffolding in construction, and the grim reality of high-density living for the elderly.[00:09:13] The Lantau SwimA lighter note from HK: two swimmers tackle the waters around Lantau Island. The Jacks question the water quality near the Pearl River Delta.[00:10:31] Victorian Politics: A New Hope?Discussion on the polling boost for Victorian Liberal Leader Jess Wilson. Is the shine coming off the Labor government, and can the Liberals actually win the next state election?[00:14:03] COP30 in BrazilA wrap-up of the climate summit in Belém. The consensus? A lot of money spent for very little actionable result, and relief that Australia didn't drop a billion dollars hosting it.[00:16:15] The BOM Website FiascoJoel tears into the Bureau of Meteorology's upgrade. What was sold as a $4 million "interface" refresh has skyrocketed to $94 million. A broader discussion on the "consultancy disease" (Accenture, IBM) and the hollowing out of IT skills within the Australian Public Service.[00:28:03] The Brittany Higgins Saga ContinuesAnalysis of Cameron Milner's "Watergate" comments regarding Labor's handling of the Fiona Brown and Linda Reynolds legal claims. The Jacks argue for a swift settlement and a fair go for Fiona Brown.[00:35:10] Inflation & The Public ServiceInflation sticks at 3.5%, driven largely by government spending. Discussion on the massive expansion of the public service workforce under the current government and the lack of a "Peter Walsh-style" finance minister to curb spending.[00:39:49] Ukraine, Russia, and the Peace DealThe latest on the peace proposals. Is a "dirty deal" inevitable? The Jacks discuss Russia's war economy, J.D. Vance's peace plan, and why Poland's military build-up is the model for the rest of Europe.[00:51:37] UK Budget ShamblesReaction to the Starmer Government's budget. Leaks, "mansion taxes," and rising welfare bills for the "work-shy." Plus, Kemi Badenoch's parliamentary performance compared to the Keating era.[00:59:04] The BBC's Funding CrisisThe "Beeb" blows a billion dollars as license fee cancellations soar. Joel and Jack discuss the archaic nature of the TV license fee compared to funding via general revenue.[01:02:19] Bear Attacks in JapanAn unexpected crisis in Japan: Asiatic brown bears are moving from rural areas to urban centres, mauling nearly 200 people.[01:05:39] Crypto Crime in "Hongcouver"A violent "wrench attack" in British Columbia highlights the dangers of physical crypto theft. Joel muses on the future of encryption vs. supercomputers.[01:08:58] US Politics: Trump & The "Fascist" LabelDonald Trump's surprisingly civil meeting with NY political figures (Zohran Mamdani) despite previous name-calling. Plus, the dismissal of the James Comey and Letitia James indictments.[01:18:19] Cricket: The Gabba Pink Ball TestPreviewing the Test Match. Can England recover from their Perth tactics? The debate over Scott Boland's bowling, Mitchell Stark's form, and why it's time to call time on Usman Khawaja. The Jacks predict tactics for the swinging pink ball.[01:28:41] India's Coaching WoesAfter a 2-0 drubbing by South Africa at home, Gautam Gambhir's tenure is under the microscope.[01:31:05] AFLW Grand Final PreviewBrisbane Lions vs. North Melbourne at Princes Park. North are on a historic winning streak, but can the Lions cause an upset?[01:32:48] Racing & Offshore BettingA look at the leakage of wagering revenue to offshore operators and James Packer's recent comments on tax.

Welcome to the one hundred sixty second episode of the #ExpatChat podcast. We explore the latest tax, investment, and financial issues affecting #AustralianExpats. In this episode, Atlas Wealth Group Managing Director – EMEA, Brett Evans, and Financial Planner, Adam Prentice, unpack What Will the Surprise Inflation Spike do to Markets? Brett and Adam first discuss Australia's surprise inflation spike, which recently hit 3.8%, and then examine its potential effects on property shares, currency, and market expectations. They also analyse the housing sector's growth alongside government policies contributing to the inflation spike, highlighting how these factors may shape upcoming RBA interest rate decisions. Furthermore, the discussion explores the broader impact on borrowing, property affordability, and equities, while offering Australian expats practical insights to navigate markets and make informed investment decisions amid the ongoing surprise inflation spike. Links discussed in this episode: • Upcoming Seminars & Webinars – atlaswealth.com/events • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum • Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast • Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group: Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup Youtube: www.youtube.com/atlaswealthmgmt

As part of the GIRO 2025 mini-series, we get an update from Cian Creedon and Marcus Schofield on the latest from the Claims Inflation Working Party. We discuss; the results from their inflation survey and how expectations for future inflation will vary by line business going forward.

Holiday shopping season is upon us. Inflation and economic uncertainty are definitely in the mix this year, but that doesn’t mean people aren’t committed to spending. If you’re looking for a thoughtful gift, sometimes where you shop can matter just as much as what you buy. Laura Clise is here with some ideas. She’s the CEO and founder of Intentionalist, which connects shoppers with local businesses. Find Laura's recommendations here. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

December begins with a decided risk-off mood in financial markets, led by more painful liquidations in crypto. Bitcoin starts off the month with a nearly 7% drop to what would be a new recent low. Why? Economic woes continue to dominate concerns. Starting with Chicago, ISM's regional business barometer put up its largest single month decline in new orders in more than two years. Backlogs crashed by nearly 22 points to the lowest since March 2009. Its employment index fell to the worst since May 2009, with not a single respondent saying it had increased employment last month. Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Eurodollar University's AFTER BLACK FRIDAY SALEGet our DDA+ subscription including the DDA, a membership, and the Daily Briefing for one ultra-low price. Not only that, we'll also include the Substack One Big Weekly Theme subscription to. Huge value and huge savings. https://https://www.eurodollar.university/black-friday-2025---------------------------------------------------------------------------------------------------------------------ISM Chicago Business Barometer November 2025https://drive.google.com/file/d/1N7xXT_P4Z_g7u0dJYI_kOYkSk1fcvLcQ/viewISM Manufacturing November 2025https://www.ismworld.org/supply-management-news-and-reports/reports/ism-pmi-reports/pmi/november/S&P Global Press Releaseshttps://www.pmi.spglobal.com/public/release/pressreleasesBloomberg Small Businesses Turn to Lending Startups as Tariff Costs Mounthttps://www.bloomberg.com/news/articles/2025-09-15/tariffs-drive-small-importers-to-costly-loans-as-lending-startups-surgeBloomberg First Brands' Blowup Puts Trade Finance in Spotlighthttps://www.bloomberg.com/news/newsletters/2025-10-19/first-brands-blowup-puts-trade-finance-in-spotlight-jnj-jpm-ubs-jefhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Stijn Schmitz welcomes Dr. Mark Thornton to the show. Dr. Mark Thornton is Economist and Senior Fellow at the Mises Institute. The discussion centers on the current state of precious metals, monetary policy, and economic systems, with a particular focus on gold and silver’s role in the global financial landscape. Thornton argues that gold is fundamentally money, and governments have only recently forced their way into replacing commodity money with fiat currency. He suggests that the current precious metals market is still in its early stages, with central bank buying and distrust in the US dollar driving significant interest. The gold and silver markets are experiencing growing pains, with increasing investor attention and potential for further price appreciation. The conversation delves into the fundamental differences between Austrian and Keynesian economics. Thornton criticizes Keynesian economics as a state-controlled ideology that promotes government spending and manipulates interest rates, whereas Austrian economics advocates for market-driven monetary systems and private property rights. He highlights how central bank policies create economic bubbles and exacerbate wealth inequality by favoring asset-rich individuals. Thornton sees potential for a significant monetary transformation, potentially triggered by the current precious metals bull market. He believes the collision between Western and Eastern financial markets, coupled with the rise of cryptocurrencies, could lead to a fundamental restructuring of monetary systems. The possibility of a return to a gold standard or a gold-backed settlement currency is discussed as a potential future scenario. The economist also warns about potential economic bubbles in artificial intelligence and private equity, arguing that the Federal Reserve’s monetary policies have created unsustainable conditions across various sectors. He believes that while central banks have been able to temporarily extend economic cycles, their power is not infinite, and a significant market correction is inevitable. Thornton concludes by emphasizing the importance of understanding Austrian economic principles and encourages listeners to explore the works of economists like Friedrich Hayek to gain deeper insights into monetary systems and economic dynamics. Timestamps: 00:00:00 – Introduction 00:01:19 – Gold as Money 00:04:21 – Central Bank Distrust 00:05:52 – Bull Run Early Stages 00:09:35 – Historical Parallels 1980s 00:14:15 – Return to Gold Standard 00:18:16 – Bond Markets Unraveling 00:24:07 – Austrian vs Keynesian Economics 00:31:19 – Flexible Inflation Targeting 00:33:53 – Silver Monetary Role 00:45:46 – AI Private Equity Bubbles 00:51:11 – Future Recession Outlook 00:55:41 – Concluding Thoughts Guest Links: Website: https://mises.org X: https://x.com/DrMarkThornton E-Mail: mailto:mthornton@mises.org YouTube: https://www.youtube.com/results?search_query=mark+thornton+minor+issues Book-Hayek: https://mises.org/library/book/hayek-21st-century-essays-political-economy Dr. Mark Thornton is a Senior Fellow at the Mises Institute and formerly held the Peterson-Luddy Chair in Austrian Economics. He hosts the podcasts Minor Issues and Unanimity and is Book Review Editor of the Quarterly Journal of Austrian Economics. His books include The Economics of Prohibition, Tariffs, Blockades, and Inflation, The Bastiat Collection, and The Skyscraper Curse. He has served on multiple editorial boards, taught economics at several universities, and worked as Assistant Superintendent of Banking and adviser to Alabama Governor Fob James. He holds degrees from St. Bonaventure University and Auburn University and has debated the “War on Drugs” at the Oxford Union. Dr. Thornton has been featured in major outlets such as The Economist, Forbes, New York Times, Wall Street Journal, and USA Today, along with numerous international and regional newspapers. His commentary appears regularly on the Mises Institute's platforms and on programs such as Boom-Bust, the Tom Woods Show, and the Scott Horton Show.

On today's Flyover Conservatives Show, we sat down with filmmaker and missionary Judd Saul, the founder of Equipping the Persecuted, to uncover the horrific reality facing Christians in Nigeria. With thousands killed this year alone, entire villages wiped out, and federal corruption enabling radical Islamist expansion, Judd shares what's truly happening on the ground — far beyond what mainstream media will acknowledge.On today's Flyover Conservatives Show, we sat down with filmmaker and missionary Judd Saul, the founder of Equipping the Persecuted, to uncover the horrific reality facing Christians in Nigeria. With thousands killed this year alone, entire villages wiped out, and federal corruption enabling radical Islamist expansion, Judd shares what's truly happening on the ground — far beyond what mainstream media will acknowledge.We break down the rise of targeted kidnappings, government-backed persecution, the spread of Sharia-controlled territories, and why Nigeria is now considered one of the most dangerous places on earth to be a Christian. Judd reveals how his team is saving lives, issuing terror alerts, providing humanitarian relief, and sharing the Gospel in the darkest places — and why the world must wake up to this crisis now.We break down the rise of targeted kidnappings, government-backed persecution, the spread of Sharia-controlled territories, and why Nigeria is now considered one of the most dangerous places on earth to be a Christian. Judd reveals how his team is saving lives, issuing terror alerts, providing humanitarian relief, and sharing the Gospel in the darkest places — and why the world must wake up to this crisis now.TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com Follow and Subscribe on YouTube: https://www.youtube.com/@TheFlyoverConservativesShow Follow and Subscribe on YouTube: https://www.youtube.com/@TheFlyoverConservativesShow To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To ▶ https://flyovergold.com▶ https://flyovergold.comOr Call 720-605-3900 Or Call 720-605-3900 ► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.com► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.comSend us a message... we can't reply, but we read them all!Support the show► ReAwaken America- text the word FLYOVER to 918-851-0102 (Message and data rates may apply. Terms/privacy: 40509-info.com) ► Kirk Elliott PHD - http://FlyoverGold.com ► My Pillow - https://MyPillow.com/Flyover ► ALL LINKS: https://sociatap.com/FlyoverConservatives

Lately, so many of us are feeling the ripple effects of a shifting economy. You might notice yourself being a little more careful with your grocery budget… or you may be seeing clients cancel, space out, or step back from therapy to save money. These changes can feel unsettling, especially when you're responsible for running a private practice, caring for clients, and supporting your own household. In this episode, I sit down with my good friend and trusted financial expert, Julie Herres, to talk through what so many practice owners are experiencing right now. “If you're going to see someone once a week, that's probably $800 a month [...] by eliminating that, that's a lot of money coming back into the household. We are seeing sometimes that is no longer sustainable or folks are going to every other week. Right? Kind of changing the cadence of what they do. But we're also seeing practice owners just not wanting to make a lot of changes.” - Julie Herres Together, we explore the very real challenges—cash flow tightening, rising costs, and major changes in client behavior—that are showing up for both solo and group practice owners. What This Shift Means for Solo and Group Practices For group practice owners: Some of you are navigating painful cash-flow stress, wondering how to manage payroll or what to do if a few clinicians leave all at once. When there isn't a financial cushion, even small disruptions can feel overwhelming. For solo practitioners: Many therapists who were booked solid for years are now noticing more openings in their calendars. That doesn't mean you've done anything wrong. It's part of a broader, nationwide shift in therapy demand. Inflation, Reimbursement Rates, and Changing Client Needs Julie and I talk through why everything feels “tighter” right now—and why so many therapists are questioning their next steps. We explore how inflation, stagnant insurance reimbursement, and economic fear are impacting your practice, your income, and the clients you care for. (00:06:18) Therapy Demand Trends in Economy (00:09:58) Reflections on Consumer Behavior (00:11:06) Certainty Drives Prosperity (00:13:57) Therapy Resistance and Cultural Shifts (00:18:52) The Hidden Struggles of Ownership Key Takeaways for Therapists Navigating Today's Economy Here's what Julie and I unpacked together: Inflation + Uncertainty Clients are becoming more price sensitive. Many are weighing therapy against essential household expenses. At the same time, therapists are facing rising overhead with little movement in insurance reimbursement. It's no wonder things feel tight. A Post-COVID Market Correction The surge in therapy demand during COVID has eased. Even seasoned clinicians are seeing more openings, more competition, and shifting client priorities. Hiring + Retention Challenges Group practice owners are struggling to keep clinicians as compensation expectations rise but profitability doesn't. For some, this has triggered a deeper reflection about whether their current business model is sustainable. If you've been feeling unsettled, or noticing more uncertainty in your finances or schedule, I want you to know there's nothing wrong with you and you're not behind. You're responding to a larger economic shift that's affecting therapists everywhere. In Part Two, Julie and I will move into action—sharing guidance, grounded strategies, and compassionate next steps to help you adjust your practice with clarity and confidence.Ready to Improve your Business Money...

Ben discusses Apple's AI chief stepping down, OpenAI's 'code red' warning, Signet's earnings, and ISM Manufacturing data.Song: A Long December - Counting CrowsFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

In this episode, we're joined again by Jim Paulsen to break down the key themes shaping markets and the economy heading into 2026. Jim explains why policymakers may be fighting the wrong battle, why real sustainable growth has quietly collapsed over the past 20 years, and how shifts in policy, demographics, productivity, inflation, and investor psychology all tie together. We also walk through Jim's latest charts from Paulsen Perspectives and explore what they mean for stocks, sectors, interest rates, the dollar, and leadership in the year ahead.Topics covered in this episode:• The state of inflation and why CPI and PPI may be sending a very different message• The 20-year collapse in real sustainable GDP growth• Why job creation, labor force growth, and productivity have all structurally weakened• The rise in unemployment duration and what it signals about lost “animal spirits”• How demographics, immigration policy, and cultural shifts are shaping growth• Productivity puzzles: innovation vs. distraction in a tech-driven economy• Why the real economic risk may be deflation, not inflation• How monetary policy, the yield curve, the dollar, and fiscal policy have remained contractionary• Tariffs as a hidden tax and their real impact on inflation• How an easing cycle could reshape market leadership in 2026• Jim's Total Policy Stimulus Index and what it reveals about small caps, cyclicals, value, and foreign stocks• The difference between today's tech cycle and the dot-com bubble• What a broadening market might look like if policy finally turns supportive• How international equities could respond to a weaker dollar• Why tech may underperform without collapsing• Jim's expectations for S&P 500 returns in 2026 and the potential for a more balanced leadership environmentTimestamps:00:00 Market setup and inflation overview02:00 Reviewing recent corrections and sector broadening04:00 Bond yields, easing expectations, and fear-based asset leadership06:00 Tech's relative performance beginning to fade07:00 GDP growth collapse over two decades09:00 Structural slowdown in job creation10:30 Labor force growth and aging demographics12:00 The doubling of unemployment duration14:00 Population trends, immigration, and slowing productivity17:00 The rise of de-risking and falling monetary velocity19:00 Trade deficits, globalization, and policy contraction22:00 Why inflation risk may be overstated26:00 CPI/PPI data versus the inflation narrative29:00 Money supply, real rates, and the longest yield curve inversion31:00 The strong dollar as a contractionary force34:00 International stock performance and currency impact35:00 Tax burden relative to slower growth37:00 Tariffs as taxes and their real economic effect39:00 What would it take to restore growth and optimism?42:00 The Total Policy Stimulus Index explained47:00 Policy's impact on equal-weight, small caps, cyclicals, and value52:00 How foreign stocks respond to policy and the dollar54:00 Tech valuations today vs. the dot-com era55:00 Fed response differences between now and 200057:00 Why today's tech cycle is structurally different59:00 What 2026 might look like for the S&P 50001:01:00 Why price targets are inherently unreliable01:01:45 Closing thoughts and sign-off

Dr. Mark Thornton, Senior Fellow at the Mises Institute and Austrian economist who correctly called the housing bubble, warns that we're living in an everything bubble with a flock of black swans ready to ignite a crisis. From commercial real estate cover-ups to private equity opacity, data center spending without defined returns, and trillions in government debt, Dr. Thornton explains how Fed manipulation and artificial interest rates have created malinvestments across the economy—and why Trump's push for lower rates will only fuel more bubble activity. He breaks down Austrian Business Cycle Theory, why we're on the on-ramp to hyperinflation with 2026 looking turbulent, and makes the case for gold and silver as essential hedges against fiat money depreciation in a world of central bank money printing and currency debasement.This episode is brought to you by VanEck. Learn more about the VanEck Rare Earth and Strategic Metals ETF: http://vaneck.com/REMXJuliaLinksX: https://x.com/DrMarkThorntonFree Hayek book: https://store.mises.org/Hayek-for-the-21st-Century-P11367.aspxMises Institute: https://mises.org/profile/mark-thorntonTimestamps: 0:00 Intro and welcome Dr. Mark Thornton 01:09 Concerns about the macro economy 6:35 Fed manipulation creating vast array of potential swans 12:00 What if inflation ticks up? Long-term government debt and currency depreciation fears 14:50 Living through an everything bubble 18:40 Fed outlook22:30 Austrian Business Cycle Theory explained 28:30 Malinvestment and artificial credit expansion 34:50 Who really benefits from the Fed's policies? 44:50 Inflation to pay off the national debt 46:00 Gold and silver as hedges against fiat money depreciation 52:40 Early on in the precious metals bull market, silver going above $50 is 'the end of the beginning' 1:00:03 Path to hyperinflation 1:07:01 Bitcoin and Austrian School of Economics compatibility 1:10:31 Final thoughts and closing

November was a whirlwind month for cryptocurrencies, and it seems that volatility is carrying over into December with Bitcoin posting its worst single day decline since March yesterday. Meanwhile, the head of the U.K.'s budget watchdog resigned after the OBR accidently released its report ahead of Chancellor Rachel Reeves' budget last week. And in an exclusive interview with CNBC, the Bank of England's Megan Greene laid out her outlook for the economy, and what she'd need to see in the labour market and inflation figures to prompt a rate cut.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What do Mike Tyson, tax season, and your retirement plan have in common? This episode of the Art of Money podcast blends celebrity stories with practical advice on tax prep, ongoing tax planning, and inflation-proofing your financial future. Host Art McPherson shares real strategies for organizing documents, maximizing deductions, and building trust with financial advisors. Plus, hear insights from Tyson himself and learn how to keep your money growing, even as the world changes. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are mortgage rates finally dropping? In this video, I break down the 2025/2026 housing market forecast, what the Fed is doing, and how real rates are moving right now. With 35 years of experience, my mission is simple: One application, one credit pull, and 30+ lenders competing for your business. We shop the market so you don't have to.

Hour 1 of https://RushToReason.com launches with John Rush and Dave from Veteran Windows and Doors (https://www.veteranwindowsdoors.com), revealing a surprising winter shake-up in the home-upgrade world: discontinued product lines, looming January price hikes, and why cold snaps suddenly make homeowners notice every draft. Should you upgrade now before the window—literally—closes? From there, John pivots into a fiery cultural critique. Why are manners vanishing? When did America become a place where pajamas pass for travel wear and courtesy is optional? John from Cheyenne jumps in, sharing stories of airline standards and the lost art of dressing with respect. Then the hour turns sharply toward national intrigue as Leslie Corbly (https://lesliecorbly.com/), attorney and author of Progressive Prejudice: Exposing the Devouring Mother, joins the show. John and Leslie delve into the Epstein files, James Comer's investigations, and the Clinton machine—asking the real question: is justice even possible when power runs this deep? Leslie breaks down political immunity, entrenched influence, and why the truth about Epstein may not surface for decades. Hour 1 blends home insights, cultural reality checks, and high-stakes political analysis. HOUR 2 Hour 2 of Rush to Reason opens with John Rush tackling one of the biggest political landmines of 2025: why is inflation worse in blue states—and is the solution as simple as leaving them? John challenges long-held assumptions about Colorado politics, the MAGA label, and the growing clash between affordability and ideology. Why are so many voters misreading the state's political climate? And is the exodus to red states a temporary trend or a permanent warning sign? In the second segment, John and Jerzee Joe break down the real numbers behind inflation. What happens when energy prices triple from one state to another? Why are Americans slipping into cultural sloppiness—from fashion to personal standards—and is it tied to a deeper Marxist drift? Their conversation asks the bold question: Have we become a nation that expects equal treatment no matter the effort? Richard Rush jumps in with a high-energy breakdown of the Broncos' season. Are Denver fans underestimating how hard it is to win in the NFL, especially when you're living in “Stage 3” of franchise building—winning all the close games while your heart rate spikes every Sunday? Hour 2 closes on a high-octane note as Richard Rush delivers a first-look review of the 2025 Lexus LX 700h Overtrail. Is this hybrid luxury off-roader the new benchmark for capability and refinement? Or does its six-figure price tag raise more questions than answers? HOUR 3 Hour 3 of Rush to Reason hits hard from the opening minute as John Rush welcomes Professor Marc Defant (https://www.marcdefant.com), University of South Florida, whose explosive peer-reviewed paper challenges the foundations of modern feminist studies. Why are entire academic departments ignoring evolutionary biology, known health science, and decades of empirical research? And what happens when “body positivity,” gender ideology, and attacks on masculinity collide with actual data? Defant pulls back the curtain on Marxist influence in universities, the disappearance of alpha males, and how students are being shaped by ideology rather than truth. After the interview, John shifts into real-world examples—from airline travel to cultural expectations—to show how entitlement, victimhood, and the loss of traditional masculinity play out in everyday life. Finally, caller Brad joins the conversation for a rapid-fire political rundown: Tennessee's special election, GOP infighting, MAGA identity, Jerome Powell, Senate math, and whether conservatives can learn how to win again. If you've ever wondered who controls the narrative, what happened to common sense, and whether America can course-correct, Hour 3 is a conversation you can't afford to miss.

Your savings account is robbing you. Here's what to buy instead.Most people think having $10,000 saved means they're winning. Wrong. Inflation is eating your money alive while you sleep. In this video, I'm breaking down the 10 things wealthy people buy FIRST once they start making real money—and #7 changed my entire life.This isn't about flexing. It's about building a foundation your kids' kids will thank you for.

Natalie Brunell is one of the leading voices in bitcoin, widely respected for helping millions understand the asset and the broader macro landscape. In this conversation, we break down why Bitcoin's price has stalled, how it stacks up against gold, the biggest misconceptions critics still get wrong, stablecoins, Wall Street's growing role, and whether Satoshi's identity even matters. Natalie also shares insights from her book Bitcoin Is For Everyone and why she believes bitcoin's long-term outlook remains as strong as ever.======================Bitizenship gives Bitcoin-forward investors a fast, compliant path to EU residency. Our Bitcoin Dolce Visa lets you invest in a 100% Bitcoin-aligned startup and qualify for Italy's Golden Visa with one strategy. Claim your free strategy call at https://www.bitizenship.com/pomp.======================BitcoinIRA: Buy, sell, and swap 80+ cryptocurrencies in your retirement account. Take 3 minutes to open your account & get connected to a team of IRA specialists that will guide you through every step of the process. Go to https://bitcoinira.com/pomp/ to earn up to $1,000 in rewards.======================DeFi Development Corp. (Nasdaq: DFDV) is pioneering a new category in crypto investing with the first Solana-focused Digital Asset Treasury. DFDV offers public market exposure to Solana's growth, yield, and onchain innovation, offering investors a leveraged way to participate in a trillion-dollar opportunity. Learn more about why Solana and why DFDV at ⁠SolanaTo10K.com⁠.======================Timestamps: 0:00 – Intro2:09 – Inflation & the U.S. affordability crisis5:12 – Bitcoin vs. Gold6:27 – Wall Street's role in bitcoin and nation-state adoption10:59 – Bitcoin as payments vs. store of value12:56 – Stablecoins relationship to bitcoin16:52 – Censorship, de-banking & financial freedom21:16 – Banks & bitcoin reserves22:42 – Media coverage of bitcoin and how to fix broken incentives27:36 – “Bitcoin Is For Everyone”33:20 – How to measure inflation35:47 – The money printer mountain37:26 – Who is Satoshi? Does it matter?38:45 – Selling the book and closing remarks

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. 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, getricheducation.com  

HP becomes the latest big name to announce major layoffs, said to be around 6000 more white collar jobs. It's getting to the point where despite all the mainstream and social media attention, call it fixation, on the tariff inflation faction at the Fed, the latest economic update from the central bank has almost nothing in it about that. Instead, it's cover-to-cover with worries about HP, Amazon, and all the smaller businesses we never hear about who nonetheless are finding themselves on the same part of the flat Beveridge curve. Eurodollar University's conversation w/Steve Van Metre---------------------------------------------------------------------------------------------------------------------Eurodollar University's EARLY BLACK FRIDAY SALEGet our DDA+ subscription including the DDA, a membership, and the Daily Briefing for one ultra-low price. Not only that, we'll also include the Substack One Big Weekly Theme subscription to. Huge value and huge savings. https://https://www.eurodollar.university/black-friday-2025---------------------------------------------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Zach Abraham from Bulwark Capital joins the Chicks to break down a stunning new report: the median first-time homebuyer in 2025 is now 40 years old — the oldest ever. We dig into why housing affordability has collapsed, how Baby Boomer-era policies distorted the market, why recessions actually help young buyers, and Zach's surprising advice for Gen Z and millennials thinking about buying. A must-listen for anyone stressing about mortgages, rent, or retirement planning. Schedule your free Know Your Risk Portfolio Review, and subscribe to Zach's Daily Market Recap at  https://KnowYourRiskPodcast.com