Podcasts about invest

1005. Is your company "returning" your retirement savings? In this episode, Laura answers a listener question from Jay P., who is frustrated that his contributions keep getting bounced back as taxable income. If you're a high earner or a diligent saver, nothing is more frustrating than seeing your hard-earned 401(k) contributions returned to your checking account. But why does the IRS penalize you just because your coworkers aren't saving enough? In this episode, Laura breaks down the "Highly Compensated Employee" (HCE) rules and explains exactly why your retirement plan might be failing its annual nondiscrimination tests. More importantly, she shares the specific steps you can take to keep your momentum going even when your workplace plan hits a ceiling. Laura goes over: The HCE Threshold: The specific 2026 income and ownership limits that trigger these IRS rules. The "Safe Harbor" Solution: How to pitch a plan upgrade to your HR department that eliminates testing forever. Tax Fallout: How to handle the tax liability of returned pre-tax vs. Roth contributions. Pivot Strategies: Three powerful "Plan B" accounts—including HSAs and Roth IRAs—to house your returned cash so it stays invested for the long haul. Find a transcript here.  Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308. Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips. Money Girl is a part of Quick and Dirty Tips. Links: https://www.quickanddirtytips.com/ https://www.quickanddirtytips.com/money-girl-newsletter https://www.facebook.com/MoneyGirlQDT  

Jim Cramer and other market veterans are advising investors not to let Iran war-induced volatility scare them out of quality stocks. The key is distinguishing between temporary geopolitical noise and fundamental business changes.Today's Stocks & Topics: The Hershey Company (HSY), Market Wrap, Buying Credit Cards Companies, Rheinmetall AG (RNMBY), Fortinet, Inc. (FTNT), Should You Invest During War Volatility? Market Strategy Guide, Watsco, Inc. (WSO), Valvoline Inc. (VVV), Countries Impacted by High Oil Prices, New Car Prices.Introducing our Third Annual InvestTalk Market Madness! Join the mayhem before May 18th at 11:59 pm PST for the chance to win $1,500! Fill out your bracket below: https://kppfinancial.com/investtalk-madnessOur Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Progressive: https://progressive.com* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Given the ongoing turmoil in the Middle East, President Trump has taken bold action to unleash oil production in California. But Gavin Newsom and his cronies are determined to block him. Why are Democrats prioritizing political battles while Californians suffer at the gas pump? Steve breaks it all down and highlights the other ways the federal government is stepping in to save the state from itself. Then, Susan Shelley joins the show with eye-opening details on California's runaway healthcare spending, Newsom's “Cap-and-Invest” environmental scheme, and the growing trend of streetlight vandalism in Los Angeles. And finally, Rhetor AI co-founder Jeremy Jones stops by to discuss his “government efficiency” technology and how it's being used to help CAL DOGE identify waste and fraud.

Nvidia's hosting the Coachella for Chips… and dropped 20 press releases to celebrate it.Say hello the Botox & Boxing Economy… For the 1st time, the majority of American retail is servicesDoes Uber Eats charge you more if you use an Amex?... AI is testing personalized prices.Plus, fill out your March Madness bracket like an investor… Buy low, sell high, & don't bet on Duke.$NVDA $UBER $SPYBuy tickets to The IPO Tour (our In-Person Offering) TODAYNew York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): SOLD OUTGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.

Today - Clark takes aim at the "monster mega banks" and explains why they are often the worst place for your investment dollars. Major banks are rebranding branches to capture more consumer assets, yet these institutions often lack a fiduciary duty to their clients. You've got lower-cost alternatives to help you get ahead.   Also, Clark shares an important message for grandparents or anyone who loves and cares about a grandparent -  a heartfelt reminder to protect those who have spent a lifetime building their savings, from going broke in their later years.  Where NOT To Invest: Segment 1 Ask Clark: Segment 2 For Grandparents: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 3 Places You Should Never Invest Your Money - Clark Howard How To Find and Choose a Financial Advisor  /  Best Financial Advisors What You Need To Know About the Vanguard Cash Plus Account What You Need To Know About the Fidelity Cash Management Account Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab How To Open a Roth IRA Zillow - Prepare for your first home with confidence How Much Does It Cost to Be a Grandparent? Why Clark Howard Refuses To Rent a Car From Hertz How Long Should I Save Pictures of My Car Rental? - Clark Howard Why You Should Never Prepay for a Rental Car - Clark Howard 5 Things You Should Re-Shop To Save Money - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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Brian from Santiment joined me to review the crypto market metrics. We review onchain metrics for Bitcoin, Ripple XRP, Ethereum, and Solana.

Crypto News: The SEC provides critical guidance on how various crypto assets will be classified highlighting most cryptocurrency assets are not securities. Mastercard agrees to buy stablecoin platform BVNK for up to $1.8 billion. Moody's becomes the first credit rating agency to bring its ratings data onchain, debuting its Token Integration Engine on the Canton Network. Brought to you by 

With Opportunity Zones now permanent and OZ 2.0 launching January 1, 2027, should you invest in a QOF now or wait? Recorded live at OZ Pitch Day, Jimmy Atkinson is joined by Catherine Lyons of the Economic Innovation Group, Blake Christian of HCVT, and Jason Watkins of Novogradac & Company to break down the trade-offs between OZ 1.0 and OZ 2.0 — including valuation discounts, the 5-year deferral, basis step-ups, rural zone benefits, and the latest on the OZ 2.0 designation timeline. Show notes & summary: https://opportunityzones.com/2026/03/ozpd-panel-377/

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Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribution limits, the pros and cons of recycling tax-free cash, and whether to overpay your mortgage or invest via a Stocks & Shares ISA. Shownotes: https://meaningfulmoney.tv/QA42  01:07  Question 1 Hi Pete and Roger, Thank you for your amazing podcast! My question is about budgeting & savings percentages: Should you aim for a % of your gross pay or your net pay when it comes to aiming for a savings percentage? e.g. Invest 20% of gross or net? I'm self employed and work contract to contract. From each contract payment I have to give 25% to agents and lawyers. Then I get paid the rest and have to put aside some of the money ready for the Tax man. When planning for how much I should save / invest from each contract payment should I be putting aside: 20% of the original contract amount? (which would be prior to the agents taking their cut and prior to the tax man taking his cut?) 20% of the amount left after the agents but prior to the tax man? Or 20% after both the agent cut and tax man cut? Thank you! Isabel 05:50  Question 2 I am a 70 year old widow with no children.  My current net worth is about £2 million. This is made of of a house (£500,000), savings and investments (£1,150,000) and a drawdown pension pot of £350,000 which I inherited from my husband.  My husband died aged 68 so the pension pot is currently tax free. I plan to leave our inheritance tax free allowances of £650,000 to family, mostly nephews and nieces and the reminder to charities.  The drawdown pension will also go to named family members until the rules change in 2027 after which this will also go to charity.   I understand that this would mean my estate wouldn't be subject to inheritance tax.  Am I right about this? Is there anything I might not have thought about or any flaws in my thinking? Thank you for your very informative podcast, Susan 08:24  Question 3 Hi Pete and Roger,  I'm still catching up on the back catalogue and am still loving the show, the listener questions are a great alternative, absolutely brilliant :) My mind has been wandering as it usually does, and this time thinking about my retirement plan and what dividends will look like at retirement. I have some queries I would love you to clarify please if possible. As it stands I have a combination of SIPP and stocks & shares ISAs all globally diversified with various stocks and ETFs etc and also a NHS DB pension.  I'm about to turn 49 and planning on a retirement at around 60. I'm trying to plan in the most tax efficient way (obviously this may change with future governments). For now though I am trying to max out my ISAs regularly for the tax free benefits and in particular focussing on a goal of using global ETF high yield dividends as income  annually at retirement. I have a Vanguard SIPP with 3 ETFs. I plan to take the 25% tax free amount from this when I retire. The rest (75%) I plan to leave as is, in the same ETFs and as they will hopefully still be paying dividends, I am a little confused as to how these will be regarded, such as for tax purposes? My assumption is the dividends will be added as cash to my now 75% remaining pot and then if I start to drawdown on this then I guess I will be taxed as normal depending on my tax status at the time only on what I drawdown as income. However when the dividends are added to my drawdown (75%) portfolio will this be part of my annual tax free (currently £500) dividend allowance OR will they not count as they are in my "pension pot" (and not classed as income) as is the case currently pre-retirement? At the present should I actually be adding the dividends that I currently receive in my pension pot to my annual tax free allowance (£500 for me)? (I assumed dividends in a SIPP don't need declaring/adding up towards your annual tax free dividend allowance). I hope that all makes sense? Thanks for all your work with the podcasts and Listener Questions too, you guys are awesome! Cheers lads, Jon 13:22 Question 4 Dear Pete and Roger, I've just turned off lifestyling on my pension thanks to your excellent podcast and videos. You may have saved me thousands so many thanks! I now have a cunning plan! I work for a university and have a hybrid pension with the Universities Superannuation Scheme (USS). Payments for my regular defined benefit (DB) pension are made via salary sacrifice. I'm also making additional voluntary contributions to the defined contribution (DC) part of USS, also by salary sacrifice. I've increased these DC payments to a level where my reduced effective pay is just above the level of the National Living Wage. As all my USS contributions, DB and DC, are made by salary sacrifice, they count as employer contributions. As I understand it, I am also allowed to make employee pension contributions to an entirely separate SIPP up to the full level of my Relevant Earnings, which in my case is my salary alone. Is that correct? If so, am I allowed to make employee contributions up to the level of my original salary (before salary sacrifice reductions)? Or am I only allowed to make employee contributions up to the level or my reduced salary (after salary sacrifice), just above the level of the National Living Wage? Is my plan a sound one or is it a cunning plan worthy of Baldrick? I'm 54 years old and a basic rate tax payer with a salary of about £37,000 per annum. I do not expect to be promoted. Simon 17:56  Question 5 Hi Pete and Roger, Long time listener and watcher on YouTube and think it is absolutely wonderful all the free good advice you put out there. I hope you give yourselves a pat on the back for helping so many people build their wealth and no doubt have a better future in their latter years than they would have had without you. As I reach a certain age I am pondering a strategy and was wondering if you could advise if this is a flawed approach, letting the tax tail wag the dog or perfectly valid. I've never heard anyone suggest it and can't believe that I have an idea that experts haven't thought of. It involves recycling tax free lump sums from an existing DC pension. My understanding is that you have to "break" ALL the conditions to breach the recycling rules and the one I am considering not breaking is "tax free lump sum is less than £7,500 in any 12 month period". The idea is this: - Crystalise 30K. £22.5K into a drawdown pot and left untouched so as to not trigger the MPAA. £7.5K tax free cash withdrawn - Take the £7.5K tax free cash and recycle it into a new SIPP - Benefit from 40% tax relief to gain an additional £5K - Do the same a year later and repeat until actual retirement If I did this for the 10 years between first accessing my DC pension and retiring from employment at state pension age that's an extra £50K "free". The only downside I can see is that by crystalising you remove a portion of your existing DC pot from being able to have a 25% tax free slice of a bigger pie in the future. However I would have thought by putting the tax relief and tax free cash into a new SIPP, plus 25% of that total being tax free second time around when withdrawn, it would outweigh the downside, particularly if you think you're going to be a lower rate tax payer in actual retirement. Any thoughts gratefully received. Keep up the great work and fantastic content. Kind Regards, Tom 24:40  Question 6 Hi Rodge & Pete Love the energy of the show, both educational and also very funny one of my favourite financial podcasts! I recently purchased my first home solo at 35 on a 39 year mortgage term which takes me above the standard retirement age and I do hope I am not working full time by the age of 74. I went with the longer mortgage term to keep monthly costs down initially with the plan to possibly review this when my fixed term comes to end in 2030. I contribute monthly to my S&S ISA currently £200 with the plan to double this in 2026 but should I be diverting some of these funds instead to overpay the mortgage? I'm conflicted about this as I believe I will get better returns on the S&S ISA over the 39 year period vs saving interest on the mortgage. I currently contribute to my employer DC pension and also have a fully funded 3 month emergency fund so any spare cash can be put to work for my future. Thanks, Chantelle  

Buying Term Life insurance rather than Whole Life insurance and then investing the difference of premium payments, became popularized financial advice in the 1970s and 1980s by AL Williams. Now today, 50 years later, this advice is still the cornerstone principal for many financial advisors including Dave Ramsey. Is Buy Term and Invest the difference the best option now? Whole Life insurance policies available today are different than 50 years ago, the market is always changing, is it time to revisit buying term and investing the difference? In this episode we compare buying term and investing the difference, vs buying high cash value designed whole life insurance. The results are pretty interesting. Listen and find out the details.

What does it look like to spend a lifetime investing in students—and watch that impact reach across generations and around the world? In this powerful episode of Youth Worker On Fire, Doug Edwards sits down with legendary youth ministry leader Dr. Jay Strack for an unforgettable conversation on leadership, calling, and long-term ministry impact. From his early days speaking in small rooms to influencing leaders on a global stage, Dr. Strack shares how God uses faithfulness, relationships, and simple obedience to shape a life that truly makes a difference. Doug and Dr. Strack also reflect on their recent time together in Israel during the Ambassador Summit 2025, offering unique perspective on leadership, influence, and what happens when ministry leaders step into moments bigger than themselves. But this episode goes far beyond one trip—it's about the journey of saying "yes" to God over and over again.

Mikk and I sat down to talk about what it really means to build a business that supports the life you want instead of trapping you in a cycle of stress and burnout. I walked him through the lessons I've learned from operating service companies, investing in real estate, and hiring globally to lower overhead. We got into how I've used boring, simple businesses to build leverage, why momentum is the most dangerous drug in entrepreneurship, and how I protect my time so I can focus on what matters. We also talked about content, writing the book, and the pressure that comes with growing a holdco while staying grounded. This episode is about discipline, delayed gratification, and building a system that gives you real freedom. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

In this episode of Coin Stories, Natalie Brunell sits down with James Check -- one of Bitcoin's most respected on-chain analysts -- to decode what the data actually says about market cycles, investor psychology, and where we are right now. We discuss: Read the market, not the noise — How on-chain data reveals what investors are really doing Cycle signals decoded — Key indicators at tops, bottoms, and trend reversals Who's actually buying? — Real capital flow dynamics and myths busted Why timing the bottom is a trap — Strategic frameworks for navigating market extremes Quantum computing & Bitcoin — The real threat timeline and what the network is doing ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Join us for the biggest Bitcoin conference in Europe at BTC Prague this June 10-13 with a keynote from Michael Saylor, Code HODL for discounted passes: https://btcprague.com/  Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing    

Crypto News: Bitcoin rallies above $74,000 and altcoins prices move upwards. Bitcoin outperforms gold and stocks in global turmoil as ETFs and Strategy accumulate. T. Rowe Price files amendment no. 2 for its Active Crypto ETF, which will track multiple assets including BTC, XRP, ETH and more. Brought to you by

Johann Kerbrat, SVP & General Manager of Crypto at Robinhood, joined me to discuss the firm's crypto and tokenization initiatives.Topics:- Robinhood chain launch- New crypto assets listings- Global Dollar (USDG) updates - usage and future plans- Tokenization market outlook- Stablecoin market outlook- Future of investingBrought to you by

Lane Kawaoka explains passive real estate investing, syndications, and how high-income earners can build wealth without being landlords.In this episode of RealDealChat, Jack Hoss sits down with Lane Kawaoka from Simple Passive Cashflow to break down how real estate investors can build wealth without managing properties themselves.Lane specializes in helping high-income professionals transition into passive real estate investing through syndications and private placements.In this conversation, we cover:What passive real estate investing actually isHow syndications work step-by-stepWho qualifies as an accredited investorWhy high-income earners struggle to scale with rentalsThe shift from active investing to passive cashflowRisks and misconceptions in syndicationsHow to evaluate deals and operatorsWhy networking and community matter at higher levelsIf you're tired of managing tenants or want to scale beyond single-family rentals, this episode will open your eyes to a different path.Timestamps:00:00 – Intro & Meet Lane Kawaoka01:30 – Lane's Background & Engineering to Investing04:00 – What Is Passive Real Estate Investing?06:45 – Active vs Passive Investing Explained09:30 – What Is a Syndication?12:15 – Accredited Investor Breakdown15:00 – Why High-Income Earners Pivot18:40 – Risks in Passive Investing21:30 – Evaluating Deals & Operators24:15 – Building Wealth Through Networking27:00 – Common Mistakes Investors Make30:30 – Final Thoughts#PassiveIncome #RealEstateInvesting #Syndications #AccreditedInvestor #PassiveRealEstate #CashflowInvesting #MultifamilyInvesting #RealEstatePodcast #InvestorMindset #RealDealChatWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

BOSSes, Anne Ganguzza welcomes  powerhouse talent Mark Rider, whose voice has defined campaigns for Ford, Game of Thrones, and Spider-Man: No Way Home. Beyond his iconic sound, Mark is a dedicated coach and creator of the VO Life Coach app. In this episode, we explore the parallel between jumping horses and taking creative risks, the "10,000-hour" journey to natural delivery, and why a healthy voice acting mindset—rooted in self-care and mental clarity—is the only way to survive the high-pressure world of trailers and promos.     Chapter Summaries: Horses, Fear, and Character Building (01:48) Anne and Mark bond over their shared passion for horses. Mark notes that jumping a 1,200-pound animal requires staring fear in the face—a skill that translates directly to the booth. They discuss how "eating dirt" (falling off) builds the resilience and character necessary to handle rejection and technical failures in a voiceover career. The Birth of the VO Life Coach App (05:19) Mark shares the "come to Jesus" moment that led to his app. Wrestling with his two loves—performing and coaching—he sought a way to "clone himself" to provide spiritual and professional guidance to talent globally. He emphasizes that "unstucking" talent often involves addressing life strategy rather than just reading scripts. The Myth of "Just Be You" (21:45) Mark issues a controversial reality check: the advice to "just be you" is often misleading. Most scripts are not written for your natural persona. He argues that you must "finish the sentence"—it's about you acting. Successful talent are voice artists who use their unique personality as a tool to inhabit characters and scenarios that are fundamentally different from themselves. The 10,000-Hour Matrix (16:39) There are no workarounds for experience. Mark describes reaching "Year 15" as a "Matrix moment" where auditions began to move in slow motion. He explains that sounding "natural" is a learned skill that only comes after thousands of hours of breaking down copy and internalizing intonation until it becomes instinctual. Zen vs. Chaos: Promo vs. Corporate (41:13) Mark and Anne compare their working styles. While Anne thrives in the "Zen" flexibility of non-broadcast corporate work, Mark admits he craves the "psychotic" chaos of trailer and promo work—getting out of bed at 12:45 AM because a network needs a tag immediately. They agree that the industry has enough room for both mentalities, but you must know which one feeds your soul. Inner Dialogue: Your Biggest Enemy (42:22) Mark's biggest piece of advice for any voice acting mindset is to gain control over your internal dialogue. You don't fail because someone pulls you down; you fail because you allow your own "demons" to tell you that you aren't enough. He recounts wisdom from Maurice Tobias: "Get your life straight first, or the acting won't matter."     Top 10 Takeaways for Voice Actors: Resilience is Rooted in Experience: Much like riding, you aren't a professional until you've "fallen off" and gotten back up several times. Strategize Before You Launch: Don't rush into getting a demo Invest time in planning and building a foundation so you do it right the first time. Self-Care is Non-Negotiable: Your mental and physical health directly affects your vocal production. Put your sanity first. Master the "Unstuck" Mindset: When you feel stuck, it's often a sign that you need to shift your focus from performance to business strategy or mental clarity. Experience Takes Time: Respect the "10,000-hour" rule. Longevity comes to those who are willing to put in the years of daily practice. "Be You" Means "Act as You": Learn to bring your unique spirit to scripts that weren't written for you. It's about authentic interpretation, not just reading. Find Your Niche Energy: Determine if you prefer the stability of corporate narration or the adrenaline of "right now" promo work. The Power of "No": Having the confidence (and the savings) to say no to low-paying, high-stress jobs is a hallmark of a VO Boss. Use Creative Promotional Tools: Mark's "Be Awesome" BBQ sauce serves as a brilliant conversation starter and follow-up tool for building client relationships. Your Inner Voice Rules: Monitor your self-talk. If your internal dialogue is negative, your performance and business growth will suffer.  

This episode continues the podcast webinar originally hosted inside Amy Sylvis' investor club. In Part 2, Amy speaks with macroeconomic strategist Bruce Fraser of Elkhorn Capital Partners about interest rates, inflation, and the possibility of a future monetary reset. They also discuss how these macroeconomic forces influence investment strategy, including why Bruce focuses on workforce housing and how population trends and affordability shape real estate markets.This episode is Part 2 of the webinar series, so be sure to listen to Part 1 for the full macroeconomicWatch/Listen to Part 1:Youtube: https://www.youtube.com/watch?v=gmKzKx9qCPI&t=13sSpotify:https://open.spotify.com/episode/2Vf4x1WTH9mcsLA6Fwxf4q?si=6mVBzPnuRt-oGM0TlWezOQApple: https://podcasts.apple.com/us/podcast/volatility-insurance-how-to-shield-your-wealth-from/id1730874629?i=1000754460566Connect with Bruce Fraserhttps://www.linkedin.com/in/bruce-fraser-304120/https://elkhornpartners.com/Connect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinarinfo@sylviscapital.com00:00 Part Two Setup02:24 Will Warsh Save Us?04:09 Rates Debt and Fed Reset08:47 Position Accordingly 15:47 Where to Invest and Why18:57 Inflation Hedge Done Right19:50 Webinar Invitation Break20:49 Incentives Over Cost Cutting29:48 Wrap Up And Resources31:04 Monetary Reset Reading

A top AmLaw chair makes the case that the future of Big Law belongs to firms bold enough to put business leaders in charge, rethink the billable hour, and prove that remote attorneys can outperform the office. Joe Glynias, Chair of Husch Blackwell, joins Chris and Howard for a candid look at how a national firm grows without losing its footing. At the center is a deliberate structural choice: a non-lawyer chief executive runs the business so lawyers can focus on practicing law. That separation has brought operational discipline, sharper cost control, and growth that has continued well beyond the firm's last major merger. The strategy is simple in theory and demanding in practice: expand where clients need depth and bring in people who fit the culture. What if growth were driven less by geography and more by alignment? The conversation turns to the pressures facing every firm. AI, rising rates, talent mobility, and private equity are all reshaping expectations. Joe sees AI as a tool that strips out low-value work and elevates judgment. He expects clients to push harder on efficiency and pricing. He remains curious about outside capital as a way to fund innovation, though cautious about what partners would trade away. The throughline is discipline. Protect the culture. Invest with purpose. Stay clear about what makes the firm distinct. One of the most compelling examples is The Link, Husch Blackwell's remote office model. With hundreds of professionals working outside traditional offices, engagement scores in that group surpass those of in-office teams. Culture and development do not happen by proximity alone. They require intention. Joe closes with a reminder that law at its best is problem solving in service of others. In uncertain times, that calling feels more relevant than ever.   Episode Breakdown: 00:00 The Future of Big Law and Modern Law Firm Leadership 08:46 Strategic Growth Through Law Firm Mergers and Client Alignment 15:03 AI in Legal Services and the Shift in Law Firm Economics 25:21 Private Equity, Enterprise Value, and the Law Firm Model 38:44 Remote Work in Big Law and The Link Engagement Model 42:57 Why the Future of Law Is Bright   Connect with Joe Glynias: Connect with Joe on LinkedIn Joe's Company Web Profile   Connect with Howard Rosenberg: Connect with Howard on LinkedIn Howard's Company Web Profile   Connect with Chris Batz: Connect with Chris on LinkedIn  Follow Columbus Street on LinkedIn Columbus Street Website  MergerWatch Website Podcast production and show notes provided by HiveCast.fm  

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Jane: If something goes poorly, I'm like, okay, how can we fix this?Rob: I don't really accept constraints... I want to always find a way around the issue.Imagine a drive-thru where you can order your favorite coffee with a single app click, arrive at the pickup spot, and leave in seconds—no line, no waiting, no tipping. This seamless experience is the vision of Jane Lo and Rob Whitten, co-founders of p!ng, a fully automated drive-thru system designed to solve the inefficiencies of traditional drive-thrus.The idea was born out of frustration. Rob, a robotics expert and father of three, described how bad drive-thru experiences with his daughters inspired the project. “My three daughters made me go through a bunch of drive-throughs. It was a terrible experience, and Jane told me to stop complaining one day and just fix it,” he shared. Jane, a marketing and customer experience expert, immediately saw the potential. Together, they combined their skills to create what Rob calls “the nerd's revenge for bad drive-throughs.”The technology behind p!ng is as impressive as its simplicity. Customers use an app to place their orders, which are prepared only when they approach the pickup location. Sensors and geofencing track vehicles, ensuring orders are ready precisely when needed. Rob explained, “We wanted you to leave p!ng feeling victorious and like you're living in the future. It's nice and simple on the surface, but underneath, there's a bunch of really cool tech happening.”Jane and Rob's innovative system is already making waves among consumers, who appreciate the speed and ease of the experience. “Our customers were like, ‘This is amazing. Why doesn't this already exist?'” Jane said. Yet, traditional venture capitalists often didn't understand the scope of the problem. “If you're someone wealthier, you probably have an assistant or a fancy espresso machine. You're not likely to be in that drive-thru lane,” she explained.To fund their vision of revolutionizing drive-thru convenience, the pair turned to regulated investment crowdfunding on Wefunder, where everyday people can invest in their mission. “It's awesome because good customers make great investors and vice versa,” Rob noted.By combining cutting-edge robotics with a deep understanding of customer needs, Jane and Rob aren't just solving a problem—they're creating an entirely new experience. p!ng shows how innovation and impact can work hand in hand to redefine convenience.tl;dr:Jane Lo and Rob Whitten founded p!ng to create a frictionless, fully automated drive-thru experience.They combined expertise in robotics and customer experience to revolutionize how people get coffee.Traditional VCs didn't see the problem, so they turned to crowdfunding to fund their vision.Jane's adaptability and Rob's determination to overcome constraints drive their ability to innovate.p!ng's technology simplifies the customer experience while showcasing the potential of robotics.How to Develop Adaptability and Problem Solving As a SuperpowerJane and Rob's superpowers center on adaptability and a refusal to accept limits. Jane describes herself as an “adapter,” someone who embraces change and thrives in uncertain situations. “If something goes poorly, I'm like, okay, how can we fix this?” she explained. Rob, on the other hand, described his ability to challenge constraints: “I don't really accept constraints... I want to always find a way around the issue.” Together, these superpowers enable them to tackle challenges head-on and innovate in ways others might overlook.When Jane was recovering from hip replacement surgery, she adapted by learning to solder at home so she could contribute to p!ng's pilot project. “We made like a hundred of them or something,” she said, referring to the wiring components she assembled. Meanwhile, Rob shared his story of running a two-football-field-long hose to solve a water shortage during a robotics test at Amazon, demonstrating his determination to overcome obstacles quickly and creatively.Tips for Developing the Superpower:Push your boundaries by tackling things you fear or find uncomfortable.Embrace change as an opportunity for growth rather than something to avoid.Interrogate constraints instead of accepting them—ask “how can I solve this?” rather than “can I?”Use AI tools creatively to brainstorm and find out-of-the-box solutions.Focus on the next step instead of dwelling on failures or setbacks.By following Jane and Rob's example and advice, you can make adaptability and problem solving a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Invest in Ending Organ Shortages!Guest ProfileJane Lo (she/her):Co-founder, p!ngAbout p!ng: p!ng is the fastest autonomous coffee drive-thru in the galaxy — a compact, robotics and AI-powered pod that serves premium specialty drinks in under a minute with virtually no wait and a radically better customer experience. Designed by veterans of Amazon Robotics, iRobot, and SharkNinja, p!ng delivers the speed, consistency, and convenience today's on-the-go consumers crave, whether that's during the chaotic morning rush or afternoon beverage side quest.Website: pingthru.comCompany Facebook Page: facebook.com/pingthrucoffeeCompany Instagram Handle: @pingthrucoffee Other URL: wefunder.com/pingBiographical Information: I grew up in the Bay Area and after graduating from UC Berkeley, began my career in healthcare consulting and biotech. These experiences made one thing clear: I wanted to work as close to the end consumer as possible. I returned to school to earn my MBA from The University of Chicago Booth School of Business, then moved into product marketing, brand marketing, and media production for consumer brands including Samsonite and SharkNinja. I met Rob, my co-founder, at SharkNinja, working on the same kitchen appliances development team. I found my true passion in Customer Experience analytics at Forrester Research, heading up a team of analysts and working as an advisor to Fortune 500 executives. I used data to show companies how well they are delivering for customers (or not), and what they could do to improve. Over time, I realized that even with good intentions and well-resourced teams, many companies struggle to create real change. Today, I use my love of working with and understanding customers to build joy-inducing experiences that make everyday life better.LinkedIn: linkedin.com/in/jane-lo-pingRob Whitten (he/him)Co-founder, p!ngBiographical Information: Rob Whitten is the co‑founder of p!ng, the wicked fast robotic coffee drive‑thru. Raised in Loudon, NH, he attended West Point and served as an Army infantry officer before settling in Billerica, MA in 2004.With a degree in Systems Engineering and a Master's in Program Management, Rob has spent his career solving complex problems across defense, consumer electronics, and e‑commerce. He has led high‑performing teams at BAE Systems, iRobot, SharkNinja, and Amazon Robotics, working on projects including autonomous manipulation, robotics sortation, and grocery automation.In 2023, frustrated by long drive‑thru experiences with his daughters, he co‑founded p!ng to reinvent the model through automation.Outside of work, Rob enjoys riding his Harley with Jane, competing in triathlons, skiing, hiking, traveling, cooking, and crafting epic Star Wars lawn decorations.LinkedIn: linkedin.com/in/rob-whitten-pingthruInvest in Career Success!Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include rHealth, Frontier Bio, and Rise Up at Work. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch – Private Investor Session: Immediately following the March 17, 2026, live broadcast at 8 PM ET / 5 PM PT, investors are invited to join an exclusive private Zoom session to engage directly with the presenting founders—BRG Therapeutics (Dale Walker), GigaWatt (Deep Patel), My Diabetes Health (Dr. Prem Sahasranam), and rHEALTH (Eugene Chan). In this dedicated off-air environment, participants can ask deeper questions about strategy, traction, deal terms, and impact while exploring their active Regulation Crowdfunding campaigns in real time. Watch the live pitches on Roku, Amazon Fire TV, LG Smart TVs via e360tv, LinkedIn, YouTube, or Facebook—then continue the conversation in the private investor session where capital and clarity come together. Register free to get access to both events.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on March 17th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowdHour March: This month, Devin Thorpe will explore how investors can align profit with purpose in a powerful session titled “Why You Should Make Money with Impact Crowdfunding.” As CEO and Founder of The Super Crowd, Inc., Devin will share practical insights on generating financial returns while driving measurable social and environmental impact through regulated investment crowdfunding. Register free to get all the details. March 18th at Noon ET/9:00 PT.SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. We're bringing together leading voices in impact investing, compliance, digital marketing, and circular economy innovation to deliver practical frameworks, real-world case studies, and actionable strategies. The event culminates in the PurposeBuilt100™ Showcase, recognizing 100 of the fastest-growing purpose-driven companies in the U.S. Register now to secure your seat and get all the details. August 25–27, streaming worldwide.Share the application for the PurposeBuilt100™: Purpose-driven founders deserve recognition. The PurposeBuilt100™ application window is now open—celebrating the fastest-growing companies building profit with purpose. If you know a founder creating real impact and real growth, please share this opportunity. Applications are free and confidential. Explore the program and apply today: PurposeBuilt100.com.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Nominate your MedTech, BioTech or Life Sciences company for the prestigious TAG Awards. The deadline is quickly approaching! Apply before March 13! Use the discount code SUPERPOWER to save 20%!Save the Date! October 20th and 21st will be the Crowdfunding Professional Association Regulated Investment Crowdfunding Summit for 2026. This is the event of the year for everyone in the crowdfunding ecosystem.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

What if the fastest way to grow your child care business… was to go back to school? In this milestone episode, Brian and Carol Duprey challenge the idea that once you become an owner, you've "arrived." Join us as they unpack why the most successful child care leaders never stop learning—and why trying to figure everything out on your own can cost you far more than you realize. From marketing and enrollment strategy to finance, operations, leadership, and systems, they share candid stories about costly mistakes, hard-earned lessons, and why sharpening your axe before you need it can change the entire trajectory of your business.   Tune in to this episode as Brian draws powerful comparisons between professional athletes and business owners. Every elite performer has a coach—so why should child care owners be any different? Listen in as they explain how coaching, community, and continuing education can help you close knowledge gaps, strengthen weak areas, and accelerate growth without the "million-dollar mistakes." They also reveal how one small tweak—just one enrollment strategy shift—can potentially generate hundreds of thousands in lifetime revenue.   Join us as Brian and Carol share how Child Care Genius University was created to provide a shortcut—offering proven systems, hands-on coaching, real accountability, and even a 5X return guarantee in year one. From helping owners scale from a few locations to dozens, to restoring confidence, profitability, and even marriages strained by business stress, they've seen firsthand what happens when leaders invest in themselves. If you're tired of relying solely on your own knowledge base and ready to level up, this episode is your invitation. Go back to school. Sharpen your saw. And discover what's possible when you stop doing it alone.     Mentioned in this episode: GET TICKETS to the Child Care Genius LEGACY Conference:  https://childcaregenius.com/legacyconference/   Need help with your child care marketing? Reach out! At Child Care Genius Marketing we offer website development, hosting, and security, Google Ads creation and management, done for you social media ads management. For social media content we have the Genius Box, which is a monthly subscription chock full of social media & blog content, as well as a new monthly lead magnet every month! Learn more at Child Care Genius Marketing. https://childcaregenius.com/marketing-solutions/  Schedule a no obligation call to learn more about how we can partner together to ignite your marketing efforts. If you need help in your child care business, consider joining our coaching programs at Child Care Genius University. Learn More Here. https://childcaregenius.com/university   Connect with us:  Child Care Genius Website Like us on Facebook Join our Owners Only Private Mastermind Group on Facebook    Join our Child Care Mindset Facebook Group Follow Us on Instagram Connect with us on LinkedIn Subscribe to our YouTube Channel Buy our Books Check out our Free Resources

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Keith sits down with the youngest guest in show history—a 19-year-old college sophomore and student-athlete who's already deeply immersed in real estate and economics, Hunter Taddy. You'll hear a candid Gen Z perspective on money, debt, and the shifting social landscape, along with what's really being taught in today's real estate and econ classrooms.  They explore how young people are navigating college costs, work, and early investing decisions, and how hands-on property management education is shaping one student's path.  If you're curious about where the next generation of investors is headed—and what that might mean for your own strategy—this conversation offers a rare, on-the-ground look without the usual clichés. Episode Page: GetRichEducation.com/597 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  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold talking with a 19 year old guest that I befriended last year. He's a college sophomore with a real estate investing related major. What does he think about generation Z's future is in person, social life, dead. And what do you really learn about real estate and economics in college today on get rich education.   Corey Coates  0:27   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   Keith Weinhold  1:11   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 prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:00   Welcome to GRE from Concord, New Hampshire to Concord, California and across 188 nations worldwide, you're listening to one of America's longest running and most listened to shows on real estate investing. I'm your host, Keith Weinhold, and this is get rich education. Increasingly, you know, people ask why even go to college? Is the value of higher education even worth it to drag yourself to an 8am American Lit class while living off of dining hall Breakfast Biscuits and chicken strips for $100,000 a year, it's been estimated that one in seven men are meats, n, e, e, t, that means not in education, employed or training. Why put on a suit and tie and show up at a job when you have a reasonable facsimile of life online and you have discord and Reddit and trade stocks on Robinhood and crypto on Coinbase. Now I don't think that's going to be good for you, and I still think that there are a lot of positives about attending college. At least 15 to 20 colleges close each year in the United States. And despite this, you know, most people that I talk to, they still seem to be mostly positive about college, or they have this expectation that their kids go to college. So anecdotally, this hasn't changed. I probably wouldn't even be as aware of this shift if I didn't read media like I do, if I just talked to people informally, I really wouldn't know. One thing that has not changed also is the notion of the broke college student. I used to be one of those. Now America is just a couple years removed from that wave of elevated inflation and war in Iran has positioned to stoke a second wave of inflation. Today's guest told me that he does pay credit card finance charges, even though he makes more than the minimum payment, just kind of like I did as a college student. The default state of teenage society today is different. It used to be boredom, and now that's been replaced with anxiety. That part has certainly changed, and often it tends to be teen anxiety over such nonsense things. I mean, I have a teenage niece. One example is the burden of maintaining your Snapchat streak? Oh my gosh, if you're a Gen Z or you know what I'm talking about, basically a snap streak where you've got to send a friend a photo or video every single day to keep your streak going, two people have to send it to each other, and people with long streaks, they even like send each other a photo of the floor, just. To keep the streak going. I mean, talk about anxiety over the wrong things.    Keith Weinhold  5:04   Well, today's team guest Hunter, he has a somewhat better grip on life. I haven't met his parents yet, but they've done an amazing job. In fact, Hunter's dad owns rental property, which kind of helps to fuel some of his interests and desire. But in order to cope with inflation and expenses, buy now pay later programs have really taken off. They're widely known, but less widely known. Our rent now pay later plans. They're booming. Platforms like livable, flex and affirm. They're used by lower income and lower credit score tenants that often live paycheck to paycheck. And how it works is that these tenants are extended money at the beginning of the month to pay the rent. They often pay a flat subscription fee plus 1% of the rent. And you know, hey, that could be better than the tenant paying late fees to the landlord. I learned from one tenant that had trouble paying his $1,850 in rent that flex charged him a $15 monthly subscription plus 1% of the total rent for providing the service. So his total fees for the app were around $33 a month rent. Now pay later. You're probably only going to hear more about it, but if you're a landlord, you probably do not know that your tenant is using a rent now, pay later plan, because you just received the full payment on time, and then your tenant pays back the service later. Remember, it is called rent. Now, pay later. Oh, before we bring in our guest, can I ask you for some quick help? Maybe you wanted to tell me what you think about the show. You could have been listening for years, but you don't think that you can reach me. If this show has helped you become a better investor, the best way to support the podcast is to leave a quick rating or review. It helps more investors discover the show. Just tap the five stars in your podcast app. It can take as little as 10 seconds, and I will read it myself. Thanks in advance for leaving a rating and review. Let's meet this week's guest.   Keith Weinhold  7:22   This week's guest is the youngest we've ever had in show history. He's a teenager, so he's about a generation younger than me, and it's his first time on a podcast. He is a sophomore student athlete at the University of Alaska Anchorage, where he competes in the 800 meters for the track and field team. He runs about a 155 his major is management, with a specialization in real estate and property management, and he's just into so many things beyond athletics and academics, he serves as an ambassador for the Widener property management and real estate program. He's also an officer of the real estate management and investment club from Wisconsin. He's 19 years old, a straight A student. He's also an RA that's a Resident Assistant there helping out students at the dorms. Welcome to GRE Hunter, toddy.    Hunter Taddy  8:18   Yeah, I'm happy to be here. Thanks for having me.   Keith Weinhold  8:20   Taddy is spelled T, A, D, D, Y. I met Hunter almost six months ago. A property manager introduced us just thinking that we might have some things in common, and she sure was right. We've gotten together a few times, including going running at one time where, well, I had more than a little trouble keeping up with an active college athlete. The last time we sat down for coffee, just last week, I looked at my watch. We were done, and we sat almost two and a half hours like how many teenagers could really hold my attention for that long? But he just understands the world and politics surprisingly well. For a 19 year old. He's confident and well thought out. He's read War and Peace. He even got some of his own cooking and avoids seed oils. And you know, Hunter being born in 2006 when GRE debuted in 2014 you were eight years old. So before we talk about you, let's talk about your generation, generation Z What do you think some of the markers of your generation are?   Keith Weinhold  9:28   Yeah, so it's as I've shared with you in the past. It's interesting, because especially at UA, I'm mostly surrounded by like, athletes. So athletes tend to be a lot more social, just like how they grown up, they're always around people that tend to be a lot more driven. But then when I talk to, like, non athletes, it's a little bit different. Like, my generation is definitely they're on their phone a lot. I mean, I've told you before, like, I avoid social media. Well, I wouldn't say like the flag, but I avoid it a lot, because I know, hey, how addicting it is. And B, just like, you know, the.The word of my generation is slop or brain rot, and which is most of the stuff on the internet, but Yeah, seems to be like, there's a lot of anxiety in my generation, a lot of, like, lack of accountability, which I've noticed a lot lot of, like, lack of responsibility. And it's almost like self indulgent in a way, where it's like, oh I'm so lazy, or Oh, I'm so this, or I'm so that, and it's just kind of weird. You don't really get that much with like the athletes. Back to the social aspect. I don't know if you've seen that headline recently, that's like, the alcohol industry has lost eight, $30 million over the past four years because he doesn't drink. The real story isn't about Gen Z not wanting to drink alcohol. It's about Gen Z, not like really being social, right? I mean, I don't see that many like, Hangouts as much as, like, when I hear from, like my parents, you know, every night you're going somewhere with your friends or your you know, you're going to the bar, you're going to a bonfire, or things like that. And it's just, you don't see it as much. A lot of people are just in their rooms or online and, you know, the online gaming, online gaming, I don't game a lot, but gaming with friends is actually really fun to do sometimes. But everything's a lot more digital, you know, from the communication to like the spaces, you know, where you hang out, whether it's video games or whether it's VR chat, and some people do that, or discord, or just like internet forums and things like that. Yeah, just lot more digital.    Keith Weinhold  11:24   Yeah, you use little or no social media. Personally, I know you manage the Instagram page for your real estate organization, but yeah, there is more of this perception of in person, social life, maybe not dead, but dying. I've learned that 51% of 18 to 24 year old men have never asked out a woman in person you were sharing with me at how you know people have anxiety just about ordering food in person at a restaurant in Gen Z.    Hunter Taddy  11:54   That's actually funny. So because of how that conversation escalated, I technically did ask her out in Snapchat, but then she was like, you have to ask me out in person. And then I did eventually ask her out in person.    Keith Weinhold  12:06   Now, when it comes to in person meetings, after a few meetings with you, I noticed something rare when it's about seeing people in person, you have virtues that I think are somewhat rare for Generation Z. I mean, you actually show up on time. This this chat we're having right now. It's the fourth time we've gotten together, and you actually showed up early each of the four times, which is something that I really notice and appreciate, which, even for people my age, it seems like it's a virtue that they've lost. I mean, showing up on time is just common decency. That's just doing what you said that you were going to do. I find that pretty interesting. But when it comes to your generation being in college now, I mean, college is tough. You know, when I went to college, I took on student loans. My parents and I each paid for half of the tuition, and also worked a part time job while I was there. So I mean, you hang out with a lot of athletes, but how is it with balancing, you know, the income and student loans? Because, you know, college kids are still pretty poor   Hunter Taddy  13:10   I wanted to run for a division two program, because you can get athletic scholarship. I came in as a walk on. I'm not on any athletic scholarship. I get free housing and free meals for being an RA. Yeah, with my RA position, I actually got the RA position my second semester. So I got it as a freshman, which was like, really, really clutch. So my dad was in the Air Force for 20 years, and I got the GI bill for like, I think, six months. So I got my two first semesters of tuition paid for, and then I got some, like, some money for, like, housing and stuff. I mean, I pocketed most of that just because, I mean, I got it for free already. I don't get any more help from the GI Bill, because I'm not in Wisconsin. But if I went to Wisconsin, I could go to any school for free, like, tuition free. So, I mean, sometimes I do think about that, but with my real estate program. I mean, oh my gosh, the scholarship deadline. Every year they give out like, $50,000 in scholarships. A lot of them are from Widener and then just other like local real estate companies in the area. Last year, I got a $2,500 scholarship to travel to the National Apartment Association's apartmentalized It's like, their yearly conference in Las Vegas, and that was pretty cool. So that stuff kind of went over my head, but a lot of the stuff about AI was, like, just really interesting to hear, especially just about property management. And it's crazy to me, because, like, AI is almost like, my generation's thing, since we're, like, growing up with it, yeah. And then hearing, like, a lot of like, the older people in the property management profession talk about, I mean, they're still talking about when they had to keep their records on pen and paper, or, like, files and stuff. And I'm like, This is crazy. So I have scholarships with the real estate program, if I'm lucky, I can get up to almost $10,000 after the spring. It's.That means I pay in state tuition because I live on campus. It was a deal they were running after covid. So that's only like $5,700 I mean, my scholarships will be able to cover that. This semester, I paid like 2000 of it or something, and then my parents were kind enough to cover the rest, and then I'm going to pay them back right away after the year ends once I get those scholarships. And then, yeah, I get $11 an hour for working desk at my RA job. It's tax free, so, I mean, it's not totally bad, but I don't working desk hours that much because we only have them at night. And then, you know, being an athlete, I don't like staying up until, you know, one o'clock sometimes. I mean, the other night, I had to work a nine to three desk shift, and that screwed my whole for an entire week. Yeah. Okay,    Keith Weinhold  15:48   so when you graduate college in a few years, you could very well come out with a lower student loan balance than a lot of others did, although you might still have an informal loan with dad in there as well. How do you and a lot of people of your generation see your financial future? They sure can be hard to predict, but a lot of people see this crushing debt with student loans, and I wonder, even though it could be far into the future if really Gen Z thinks that they're ever going to be able to afford a home. Now, when it comes to the student loans, I know I shared with you when we sat down for coffee that I had a balance. I think it was like a $20,000 balance when I graduated, because again, my parents paid half of it and I worked part time when I went to school, I shared with you that I just took that balance and paid very little interest on my student loan balance because I kept transferring it repeatedly onto these 0% APR credit cards, and when my introductory rate expired on one card, I would just transfer it onto another card. So I've long been comfortable with debt.    Hunter Taddy  16:52   So me, personally, I do not want to take out a loan from any entity. I'm very fortunate and privileged that my parents are able to, you know, front that money for me when I need it. When I need it, I try to pay them back right away. I do not want student loans like my goal is to get out of college, you know, without owing anybody any money. It's weird, because I'm from such a small town in Wisconsin, and I view trades a lot differently than, like a lot of my peers who grew up in the big cities, I know blue collar millionaires, right? People who just, you know, put their nose to the grindstone, pouring concrete. You know, working driving a semi. Only do that for maybe five or 10 years, like my cousins. My cousin pours concrete, and then the other one, I think, works for construction company, the Midwestern work ethic, they're sitting on 10s of 1000s of dollars in their savings account right now. You can make the argument. Well, their back is going to give out in a couple years. And some of that's true. But also, you know, you don't have to be the guy pouring concrete for how long. You could be the business owner, or you could be the guy who's the plumber for 510, years, and then, you know, start your own plumbing business. That's why I don't look at student loans as, like, I need this college degree to, like, make money or be successful. Like, I've met a lot of people who legitimately have that mindset. That's like, I understand that if you've grown up in that sort of, like sphere, you've grown up with those ideas. But to me, it's like, I know if I can't pay for college, or if I don't graduate college, I know I'm going to be fine. I could go, you know, work construction, or I could go, you know, mow lawns or something. I know, I guess I just view it differently. But a lot of people think they need those student loans. So, I mean, they sign up for them. And I looked it up the other day, the average time to pay off student loans is, like, 20 years or something like that. Yeah, I believe it. That is kind of sad. That's insane to me. I want my lawyers going to college. I want my doctors going to college. I want to college. I want all these people to have a good education. But I mean, like 100,000 to $200,000 I just see that, and it's like, oh, I don't know, man, I sign up for the fast flow every year, but I never get anything Free Application for Federal Student Aid, yeah, but I know some people get, like, Pell Grants. If I'm not wrong, I think the Pell Grants are just, I don't know they have to pay those back. It seemed like I was applying for the Stafford Loan. I was lower middle class. I don't think we quite qualified for the Pell grant. The grant being like, free money and a loan of stuff that you need to pay back. Yeah, of course. And of course, in addition to student loans, we regularly have students using credit cards and probably not being able to pay the full balance, is they make their way and try to pay their way through college. That's certainly one thing that I did.    Hunter Taddy  19:28   Here's something for you, DoorDash, my generation and DoorDash is so crazy. I mean, I look at some of these people we have like a desk, at some of the halls, and the amount of people who just DoorDash some of these people are doordashing every night. And that's not cheap, like, that's sometimes it's like 30 bucks just to get Taco Bell or, you know, Wingstop or something like that, and then Klarna, it's like, finance a pizza. Like, what are we doing here?    Keith Weinhold  19:54   Sure, yeah, you're making a down payment on a blooming onion and financing it and making the last payment on it. Years later or something. Yeah, crazy like that, 100% and yeah, I would imagine home ownership is just seen as something that's so far into the future, it's almost unfathomable.    Hunter Taddy  20:12   Yeah, it's funny to me, because, you know, I come from, again, very small town, the cost of living is, like, extremely low compared to the country. I'm pretty sure Green Bay was voted number one place to live by us, News and World Report couple years ago, number one place to live in the United States. But more of the people back home who work these jobs in the trades, like the thought of owning a home seems a lot more real to them than my friends who are in college. And a lot of that has to do with, you know, like we're in bigger cities. Again, people have more debt, but yeah, I mean, you look at those prices of homes, I think the median home price in Anchorage is like $426,000 and just, you know, looking at that numbers like, how am I ever going to afford that? One of my friends, he's in the real estate program. He's got $40,000 saved up. He's got his Roth IRA maxed out. It's weird, because this is one of the points I want to make. So in my generation, you have people who have all these resources, you know, especially with the internet, and they're doing very well with it. They're taking it and they're running with it. And then you have the other part of my generation who's doing the buy now, pay later option. It's almost like a upside down bell curve or something like that. The people who are good are getting so much better, and the people who are making the bad decisions are getting so much more worse.    Keith Weinhold  21:25   Ah, the K shaped economy starts young.   Hunter Taddy  21:27    It's just interesting to see sometimes, because you have some people like, I can't afford this, I can't afford that, and it's like, yeah, being college student is hard. But then it's like, you buy your $6 coffee every day, and it's, you know, I'm guilty of that too. My spending habits aren't the best. And then you look at like home ownership inflation is real. Cost of living is getting higher. But also my dad talks about this a lot like our standards are getting so much higher, too great. Our houses are getting bigger. Kids don't share bedrooms anymore. All our kids have to have our phone. All our kids have to have the newest thing or the newest coat. And you know, you want nice things for your family. I get that, you know, I don't have a family, so I can only talk about this so much. But I mean, our standards are getting a lot, a lot higher as well. I mean, you look at our grandparents houses, and they're like, these, just small, one story houses, one bathroom. You know, I look at the house that my dad grew up and he shared a room with his brother until he graduated, right? And then you look at all these families kids live in their bedroom, it's so weird to me that like siblings, they know each other, but they don't know each other because they're sitting in their rooms all day and they're looking at their phones.    Keith Weinhold  22:31   You surface a good and salient point hunter that a lot of people don't bring up because the K shaped economy that means a widening disparity between the haves and the have nots, but the entire K also keeps moving up, so standards of living continue to get better for both the haves and the have nots, even though the disparity between them continues to widen, and yes, a poor person today has Wi Fi and has Air Conditioning and a lot of minor conveniences that poor people didn't have 75 years ago. You're listening to get rich education. We're doing something different this week, talking to the youngest guest in GRE history. His name's Hunter toddy. We're going to talk more when we come back about what he's learning in classes, economics and real estate classes, because that is one thing that college students do. Remember, I'm your host. Keith Weinhold.    Keith Weinhold  23:24   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/g.R, E,    Keith Weinhold  24:00   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,   Robert Kiyosaki  25:12   this is our rich dad. Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold don't quit your daydream   Keith Weinhold  25:26   Welcome back to get rich Education. I'm your host. Keith winehill, we're talking with Gen Z and student athlete Hunter toddy. He's a sophomore college student, and he's got a management degree with a concentration in real estate investing. So yeah, Hunter, tell us some of the things that you've learned about in an economics class or two that you've taken there at UAA.    Hunter Taddy  25:51   So I had an economics class last semester, but the teacher is basically tenured, and he only posted YouTube videos and like three quizzes was like the entire grade. He made us great at 2000 wasn't gonna say and didn't even grade it. So I didn't learn anything about economics, but that was macro, and now I'm in micro. And this professor, he's fantastic. He talks to Anchorage and Alaska legislators all the time. He was on Meet the Press Like he's very, very, very, very smart and well spoken, one of my and professors, and he's also Yale educated, as I understand. Yeah, I always get crap from my cross country teammates because most of them are STEM majors. There's a lot of engineers, and then there's, you know, you have people who are in, like, kinesiology, and then a lot of aviation, but they always give me crap because, like, oh, business, it's supply and demand, blah, blah, blah. But then, like, legitimately, economics has been so fascinating for me, just like, you know, consumer behavior, opportunity cost, trade off. One of the things is rent control, right? Definitely a big conversation, especially in, like, my generation, you know, because of all these rising prices. And then, you know, the landlord always gets the negative connotation, right? Landlords are greedy. I wouldn't even as a college student. Well, you think about rent control is like as soon as you put that binding price ceiling on the rent prices in an area, that's why there's not enough housing on the West Coast. That's why landlords are painting over the light switches, or they're not fixing your toilet, or they're not fixing the leaky sink. There's just a lack of understanding general society about, like, just how markets work and why. You know, businesses make certain decisions that they do. That's one thing with, like, a lot of my generation, is a lot of them are almost anti business, in a sense, right? In a sense, but they love being consumers. What my dad talks about a lot is as the business owner, like when you work for a company, a lot of the times you can clock in, clock out, you go home and you lay your head on the pillow, and you don't have to worry about anything, right? But when you're the business owner, like my dad, and if you have a lot of anxiety, like he does, about certain things, and you stress a lot, you're up at 2am wondering if the LVP you put in someone's kitchen is going to buckle, well, then you're gonna have to go back and fix it all and all these things, and so I definitely have a lot more to say understanding for like business owners and like landlords. Yeah, the economics classes just broaden my understanding of how the world works. I think that's a class everyone should take, and it is a general ed but I think it's a class everyone should pay attention to as well.    Keith Weinhold  28:18   Sure, rent control gives landlords no incentive to make improvements to a property. So yeah, it's good that you're learning about this in econ class. Tell us about some of the other things that you've learned in economics or in your more real estate investor centric college courses.    Hunter Taddy  28:36   So I'll focus more on the real estate stuff. So Dean Widener, Widener apartment homes, one of the top five, I think, largest owners of apartment homes in terms of units like in the United States, right? He basically came to Anchorage, and he wanted to build the Widener program, basically like a farm for property managers, like, you know, give this education. And then they, you know, they come work for widener. They come work for, you know, whoever a lot of the education has to do with property management. So there's leasing, asset maintenance. Talk a lot about operating budgets, risk management. All students in the program memorize the cash flow performer by heart. So, you know, you have gross potential income loss to lease, vacancy, net revenue, other income, expense reimbursements. Maddie poo, which is maintenance, admin, taxes, insurance, payroll and utilities. Have you heard that acronym before? What is it? Yeah. Maddie poo, I pretty sure my professor, like, that's kind of like his thing. I didn't finish it all, but we have it all memorized, and then we do, like, a lot of fair housing and landlord tenant law. Yesterday, in my Real Estate Investment Finance course, we were analyzing loans, and we were making like amortization tables, yeah. And then so we were looking at like interest rates, how a balloon loan works, variable interest rates. I took real estate Maintenance and risk last semester, and that was really awesome. We got to visit buildings all across Anchorage and talk with the property managers, talk about maintenance systems, general maintenance of the property, property management, the day to day, things like that. And then leasing, we actually had us basically go undercover. We have to have three properties, and we go do a showing at all of them, and then we had to review them, and we did a presentation about them, and, like, we basically reviewed them and graded, like the leasing agent, and how they did that one was really cool.    Keith Weinhold  30:33   Okay, so the mock tenant, grading a leasing agent, yeah, then showing you amenities, explaining lease length, things like that,    Hunter Taddy  30:41   and then seeing if, you know, they violated any like Fair Housing things. He said, Don't necessarily try and bait them, but one of the questions that one of my classmates asked, so what kind of people live here? And then the good property manager, you know, it says we rent to anyone that fits our criteria. And then you have some people that's like, oh, you should have said that. Yeah, yeah, it's pretty touchy, age, race, family status, right? Yeah. So we definitely have that drilled in our heads as well, like landlord tenant law and then, like, fair housing, you    Keith Weinhold  31:11   told me something interesting when we got together, when you run the numbers for property, that the numbers always work better in one condition than they do in another.    Hunter Taddy  31:20   So we do cap rate. And so cap rate is noi over value, I believe, yep. So we analyze the cap rates for all the properties, and then we see what is our return if we pay cash or whatever is our return when we pay leverage. And sometimes it's better if you pay cash, or sometimes it's better if it's leveraged. But I always think even if you could pay cash, you pay, say, $3 million for the whole complex, well, you could put a $500,000 down payment on six other properties. So I always thought that was weird, because that's just, I read Rich Dad, Poor Dad, after my dad recommended it to me, and then it just talking to my dad about leveraged investments. Yeah, why don't you do that instead? Oh, he said,    Keith Weinhold  32:00   right, as long as you control your cash flow and pay the mortgage and the operating expenses. Yeah, we typically talk about getting the leverage here, because the appreciation grade has absolutely nothing to do with the amount of equity that's in the property. Is there anything else interesting that you learned from going out in the field and actually seeing some properties or talking to some managers? And I think this is really interesting, because a lot of times when people graduate college, they tend to broad brushstroke students or new graduates, and say, Yeah, but they haven't gotten out in the real world yet, but you actually are as a student.    Hunter Taddy  32:33   Yeah. So that's one thing I really love about our program, and I really love our professor. He owns properties himself. It's not like a pyramid scheme thing where, like, almost like, you're going to college to learn how to be a professor, and sometimes that we need those people for, like, research and stuff. But like, he's actually done the work. He knows what it's like. He can relate to things that we're talking about. Yeah, we get a lot of that real world experience, which is really awesome going about that, like the leasing experience. One of the things with, like, a lot of the managers, especially in Anchorage, because there's such a housing shortage, a lot of them didn't really like try, because they like, almost don't have to, because, I think a lot of them assume you're gonna lease someone anyways, no matter, because it's not necessarily really competitive. So because the vacancy rate is so small, yeah. So it's just like, here's the kitchen. You know, we're actually taught in leasing class, leasing strategies. And also, what's really good about our classes, we read, like, a lot of personal growth books in our classes. So like in our leasing class, our professor had us read The Seven Habits of Highly Effective People, Stephen Covey and yeah. And then I think for our real estate investment class, we're going to read the compounding effect. I don't know what it's about, but I mean, I really appreciate how our professor gives us, like, those books and that knowledge that's not just, you know, specific to real estate. It's like how to become like a better person, or how to become better at personal finance in general.    Keith Weinhold  33:58   All right, so some conceptual and some mindset stuff, along with more of the hands on and more of the numbers. Well, before I ask you, what's next for you, do you have any last thoughts with what you've learned in class, or just anything overall about your generation and lifestyle and getting along financially? For a college student,    Hunter Taddy  34:18   in April, I'm going down to Austin for the property con, which is Institute of real estate management, big conference. I think they have this one every year too. I think John Quinones, the guy from what would you do, is going to be like one of the keynote speakers. So looking forward to that, definitely looking forward to some of, like, learning more about, like AI, and how it's used in, like, the property management, like real estate sphere, and then I'm kind of interested in green building, because it almost seems to be like, Win win, right? Because better for the environment and then better for the investor most of the time, you know, like, through these retrofits, like you're just switching to LED light bulbs, we actually, we ran those numbers a lot in my.In its class. Like, you know, what would it be like if you switch from iridescent to LED light bulbs? And it's like, that's like, what are the things that all property managers should do? Because you're saving, sometimes 1000s of dollars and seven or 10 year period, or whatever it is, improve the cap rate, right there? Yeah, I want to definitely learn more about, like, the green building. And also, just because, you know, I'm a healthy person, when I build my house one day, I don't want to have, like, a lot of toxic materials and stuff as well. I have one friend. He's really, really dialed in his health. They're talked about him with you before, but he, like, he's not even have drywall in his house because there's some, like, toxic thing in drywall, or something, like, he's gonna build it out of brick and mud or something, I don't know.    Keith Weinhold  35:39   Oh, he can't just go live in any rental. Yeah, well, Hunter, this has been really good. Your dad owns rentals in Wisconsin, and like you mentioned, he's red, Rich Dad, Poor Dad himself. So that's kind of an influence on you. And you do have a management internship back in Wisconsin this summer. But before we go on, you mentioned to me that your dad owns a certain type of apartments in Wisconsin, and I've never heard of that type before. What are they called? And then, what does that mean?    Keith Weinhold  36:06   I think the name is local to the city itself in Manitowoc, Wisconsin. So they're called custerdales. I think there were homes built after World War Two, I believe, for like GIS and things like that so well. Just before he got in the Air Force, he was in Saudi Arabia for a year, and he was thinking about, you know, what am I going to do when I retire? Because he knew after the year was done, he was going to retire and come back to Wisconsin. And one of his friends got him into real estate, and he talked to my mom a little bit, and they just started buying properties. So that was in 2018 and now they own about 70 units, mostly duplexes, with their biggest being a five Plex. They also have a 18 bed assisted living facility. Most of the the 70 units are called custerdales. They're all like, cookie cutter, like, the same they're basically the same layout, you know, sometimes it's just flipped or whatever. And he basically did the same thing each time, a lot of them were, like, really run down ones that they purchased had someone with a chicken living on top of the refrigerator. And then when they locked the place up after they bought it, he broke back in and took stuff. And so they've really, actually, like, helped the community in a way, by remodeling a lot of these homes. And then my dad would refinance them, and then he would take that money and then invest it into another property. And he just kept doing that again and again and again. Yeah, so buy and hold we self manage, because there's not really a reputable property management service in the area. This is near Manitowoc, Wisconsin. Maybe you've heard that name before. Manitowoc, they make heavy construction equipment, and you are going back to Wisconsin this summer for a management related internship, yeah, well, Hunter, well, this has been great talking about what your generation's like, what you do in your classes, and the practical experience that you're already getting as a 19 year old. I mean, you're just substantially further ahead than I was as a geography degree student and major way back in the day, if anyone wants to reach out to you, see what you're doing, or contact you. What's the best way for them to do that? Hunter.    Hunter Taddy  38:09   So I don't have Instagram or Facebook, but I do have LinkedIn. So if you just search Hunter toddy again, T, A, D, D, y, on LinkedIn, you can find me there. Also just give my email. It's H hottie 007 at Gmail.    Keith Weinhold  38:26   All right, look that up if you want to reach out to Hunter. Yeah, it's been great having you here. Thanks so much for coming on to the show.    Hunter Taddy  38:32   Thanks forhaving me.    Keith Weinhold  38:40   Yeah, a fresh perspective from college student, Hunter toddy today. He has got his act together amazingly well for a teenager, and you know, talking to him made me think about something like I said when I graduated college, and it was just with a bachelor's degree. By the way, pretty humble bachelor's double major, geography and regional planning, I had that 20k in student loan debt, which I transferred onto 0% APR credit cards, over and over again and inflation adjusted terms, that might be 40k in today's dollars. I had no incentive to pay it down, let alone pay it off, since my finance charges were essentially zero, so that's why I probably carried that balance for close to 20 years. But this is the first time that I thought about the fact that that very habit was probably a benefit to me, not because it saved me from paying interest on student loans, but because it got me comfortable withholding debt for the long term and rationalizing that there would be an opportunity cost of paying off that debt, because a payoff would have meant that I would forego the opportunity of investing those dollars to get gains, that habit got me comfortable with prudently using debt and leverage as a real estate investor, and that helped me own and control more property sooner. So it was a somewhat autodidactic approach to good debt. Today, we talk with a young, likely soon to be investor, oppositely next week here on the show. We're talking about the book end, on the other side of the shelf, and that is when you're ready to retire from real estate, you can exchange your properties into a fund, pay zero capital gains tax or depreciation recapture. And unlike a 1031 exchange, what you've done is you have totally exited the direct real estate business with a 721, exchange, and you still get financial upside with zero management duties retired. Finally, if you've ever wanted to tell me what you think about the GRE podcast, if this show has given you some fresh perspective or helped you become a better investor. The best way to support the show is to leave a quick rating or review. It helps more investors discover the show. Here's how to do it inside the get rich education Show page on Apple podcasts, scroll about halfway down to ratings and reviews. Tap the purple stars to rate, and then tap the purple words write a review on Spotify from the get rich education podcast, tap the three dots near the top of the show page, tap rate podcast and leave your star rating. That's all it takes. It's crazy that this show has almost 6 million total listener downloads, but yet, across all platforms, we have perhaps only 1000 reviews, and that's probably because I rarely ask for them. I would greatly appreciate it. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:59   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  42:27   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

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What makes a character so compelling that readers will forgive almost anything about the plot? How do you move beyond vague flaws and generic descriptions to create people who feel pulled from real life? In this solo episode, I share 15 actionable tips for writing deep characters, curated from past interviews on the podcast. In the intro, thoughts from London Book Fair [Instagram reel @jfpennauthor; Publishing Perspectives; Audible; Spotify]; Insights from a 7-figure author business [BookBub]. This show is supported by my Patrons. Join my Community and get articles, discounts, and extra audio and video tutorials on writing craft, author business, and AI tools, at Patreon.com/thecreativepenn This episode has been created from previous episodes of The Creative Penn Podcast, curated by Joanna Penn, as well as chapters from How to Write a Novel: From Idea to Book. Links to the individual episodes are included in the transcript below. In this episode: Master the ‘Believe, Care, Invest' trifecta, how to hook readers on the very first page Define the Dramatic Question: Who is your character when the chips are down? Absolute specificity. Why “she's controlling” isn't good enough Understand the Heroine's Journey, strength through connection, not solo action Use ‘Metaphor Families' to anchor dialogue and give every character a distinctive voice Find the Diagnostic Detail, the moments that prove a character is real Writing pain onto the page without writing memoir Write diverse characters as real people, not stereotypes or plot devices Give your protagonist a morally neutral ‘hero' status. Compelling beats likeable. Build vibrant side characters for series longevity and spin-off potential Use voice as a rhythmic tool Link character and plot until they're inseparable Why discovery writers can write out of order and still build deep character Find the sensory details that make characters live and breathe More help with how to write fiction here, or in my book, How to Write a Novel. Writing Characters: 15 Tips for Writing Deep Character in Your Fiction In today's episode, I'm sharing fifteen tips for writing deep characters, synthesised from some of the most insightful interviews on The Creative Penn Podcast over the past few years, combined with what I've learned across more than forty books of my own. I'll be referencing episodes with Matt Bird, Will Storr, Gail Carriger, Barbara Nickless, and Sarah Elisabeth Sawyer. I'll also draw on my own book, How to Write a Novel, which covers these fundamentals in detail. Whether you're writing your first novel or your fiftieth, whether you're a plotter or a discovery writer like me, these tips will help you create characters that readers believe in, care about, and invest in—and keep coming back for more. Let's get into it. 1. Master the ‘Believe, Care, Invest' Trifecta When I spoke with Matt Bird on episode 624, he laid out the three things you need to achieve on the very first page of your book or in the first ten minutes of a film. He calls it “Believe, Care, and Invest.” First, the reader must believe the character is a real person, somehow proving they are not a cardboard imitation of a human being, not just a generic type walking through a generic plot. Second, the reader must care about the character's circumstances. And third, the reader must invest in the character's ability to solve the story's central problem. Matt used The Hunger Games as his primary example, and it's brilliant. On the very first page, we believe Katniss's voice. Suzanne Collins writes in first person with a staccato rhythm—lots of periods, short declarative sentences—that immediately grounds us in a survivalist mentality. We care because Katniss is starving. She's protecting her little sister. And we invest because she is out there bow hunting, which Matt pointed out is one of the most badass things a character can do. She even kills a lynx two pages in and sells the pelt. We invest in her resourcefulness and grit before the plot has even begun. Matt was very clear that this has nothing to do with the character being “likable.” He said his subtitle, Writing a Hero Anyone Will Love, doesn't mean the character has to be a good person. He described “hero” as both gender-neutral and morally neutral. A hero can be totally evil or totally good. What matters is that we believe, care, and invest. He demonstrated this beautifully by breaking down the first ten minutes of WeCrashed, where the characters of Adam and Rebekah Neumann are absolutely not likable, but we are completely hooked. Adam steals his neighbour's Chinese food through a carefully orchestrated con involving an imaginary beer. It's not admirable behaviour, but the tradecraft involved, as Matt put it—using a term from spy movies—makes us invest in him. We see a character trying to solve the big problem of his life, which is that he's poor and wants to be rich, and we want to see if he can pull it off. Actionable step: Go to the first page of your current work in progress. Does it achieve all three? Does the reader believe this is a real person with a distinctive voice? Do they care about the character's circumstances? And do they invest in the character's ability to handle what's coming? If even one of those three is missing, that's your revision priority. 2. Define the Dramatic Question: Who Are They Really? Will Storr, author of The Science of Storytelling, came on episode 490 and gave one of the most powerful frameworks I've ever heard for character-driven fiction. He explained that the human brain evolved language primarily to swap social information—in other words, to gossip. We are wired to monitor other people, to ask the question: who is this person when the chips are down? That's what Will calls the Dramatic Question, and it's what he believes lies at the heart of all compelling storytelling. It's not a question about plot. It's a question about the character's soul. And every scene in your novel should force the character to answer it. His example of Lawrence of Arabia is unforgettable. The Dramatic Question for the entire film is: who are you, Lawrence? Are you ordinary or are you extraordinary? At the beginning, Lawrence is a cocky, rebellious young soldier who believes his rebelliousness makes him superior. Every iconic scene in that three-hour film tests that belief. Sometimes Lawrence acts as though he truly is extraordinary—leading the Arabs into battle, being hailed as a god—and sometimes the world strips him bare and he sees himself as ordinary. Because it's a tragedy, he never overcomes his flaw. He doubles down on his belief that he's extraordinary until he becomes monstrous, culminating in that iconic scene where he lifts a bloody dagger and sees his own reflection with horror. Will also used Jaws to demonstrate how this works in a pure action thriller. Brody's dramatic question is simple: are you going to be old Brody who is terrified of the water, or new Brody who can overcome that fear? Every scene where the shark appears is really asking that question. And the last moment of the film isn't the shark blowing up. It's Brody swimming back through the water, saying he used to be scared of the water and he can't imagine why. Actionable step: Write down the Dramatic Question for your protagonist in a single sentence. Is it “Are you ordinary or extraordinary?” or “Are you brave enough to love again?” or “Will you sacrifice your principles for survival?” If you can't answer this with specificity, your character might still be a sketch rather than a person. 3. Get rid of Vague Flaws, and use Absolute Specificity This was one of Will Storr's most important points. He said that vague thinking about characters is really the enemy. When he teaches workshops and asks writers to describe their character's flaw, most of them say something like “they're very controlling.” And Will's response is: that's not good enough. Everyone is controlling. How are they controlling? What's the specific mechanism? He gave the example of a profile he read of Theresa May during the UK's Brexit chaos. Someone who knew her said that Theresa May's problem was that she always thinks she's the only adult in every room she goes into. Will said that stopped him in his tracks because it's so precise. If you define a character with that level of specificity, you can take them and put them in any genre, any situation—a spaceship, a Victorian drawing room, a school playground—and you will know exactly how they're going to behave. The same applies to Arthur Miller's Willy Loman in Death of a Salesman, as Will described it: a man who believes absolutely in capitalistic success and the idea that when you die, you're going to be weighed on a scale, just as God weighs you for sin, but now you're weighed for success. That's not a vague flaw. That's a worldview you can drop into any story and watch it combust. Will made another counterintuitive point that I found really valuable: writers often think that piling on multiple traits will create a complex character, but the opposite is true. Starting with one highly specific flaw and running it through the demands of a relentless plot is what generates complexity. You end up with a far more nuanced, original character than if you'd started with a laundry list of vague attributes. Actionable step: Take your protagonist's flaw and pressure-test it. Is it specific enough that you could place this character in any situation and predict their behaviour? If you're stuck at “she's stubborn” or “he's insecure,” keep pushing. What kind of stubborn? What kind of insecure? Find the diagnostic sentence—the Theresa May level of precision. 4. Understand the Heroine's Journey: Strength Through Connection Gail Carriger came on episode 550 to discuss her nonfiction book, The Heroine's Journey, and it completely reframed how I think about some of my own fiction. Gail explained that the core difference between the Hero's Journey and the Heroine's Journey comes down to how strength and victory are defined. The Hero's Journey is about strength through solo action. The hero must be continually isolated to get stronger. He goes out of civilisation, faces strife alone, and achieves victory through physical prowess and self-actualisation. The Heroine's Journey is the opposite. The heroine achieves her goals by activating a network. She's a delegator, a general. She identifies where she can't do something alone, finds the people who can help, and portions out the work for mutual gain. Gail put it simply: the heroine is very good at asking for help, which our culture tends to devalue but which is actually a powerful form of strength. Crucially, Gail stressed that gender is irrelevant to which journey you're writing. Her go-to examples are striking: the recent Wonder Woman film is practically a beat-for-beat hero's journey—Gilgamesh on screen, as Gail described it. Meanwhile, Harry Potter, both the first book and the series as a whole, is a classic heroine's journey. Harry's power comes from his network—Dumbledore's Army, the Order of the Phoenix, his friendships with Ron and Hermione. He doesn't defeat Voldemort alone. He defeats Voldemort because of love and connection. This distinction has real practical consequences for writers. If you're writing a hero's journey and you hit writer's block, Gail said, the solution is usually to isolate your hero further and pile on more strife. But if you're writing a heroine's journey, the solution is probably to throw a new character into the scene—someone who has advice to offer or a skill the heroine lacks. The actual solutions to writer's block are different depending on which narrative you're writing. As I reflected on my own work, I realised that my ARKANE thriller protagonist, Morgan Sierra, follows a hero's journey—she's a solo operative, a lone wolf like Jack Reacher or James Bond. But my Mapwalker fantasy series follows a heroine's journey, with Sienna and her group of friends working together. I hadn't consciously chosen those paths; the stories led me there. But understanding the framework helps me write more intentionally now. Actionable step: Identify which journey your protagonist is on. Does your character gain strength by being alone (hero) or by building connections (heroine)? This will inform every plot decision you make, from how they face obstacles to how your story ends. 5. Use ‘Metaphor Families' to Anchor Dialogue and Voice One of the most practical techniques Matt Bird shared on episode 624 is the idea of assigning each character a “metaphor family”—a specific well of language that they draw from. This gives each character a distinctive voice that goes beyond accent or dialect. Matt explained how in The Wire, one of the most beloved TV shows of all time, every character has a different metaphor family. What struck him was that Omar, this iconic character, never utters a single curse word in the entire series. His metaphor family is pirate. He talks about parlays, uses language that feels like it belongs in Pirates of the Caribbean, and it creates this incredible ironic counterpoint against his urban setting. It tells us immediately that this is a character who sees himself in a tradition of people that doesn't match his immediate surroundings. Matt also referenced the UK version of The Office, where Gareth works at a paper company but aspires to the military. So all of his language is drawn from a military metaphor family. He doesn't talk about filing and photocopying; he talks about tactics and discipline and being on the front line. This tells us that the character has a life and dreams beyond the immediate scene—and it's the gap between aspiration and reality that makes him both funny and believable. He pointed out that a metaphor family sometimes comes from a character's background, but it's often more interesting when it comes from their aspirations. What does your character want to be? What world do they fantasise about inhabiting? That's where their language should come from. In Star Wars, Obi-Wan Kenobi is a spiritual hermit, but his metaphor family is military. He uses the language of generals and commanders, and that ironic counterpoint is part of what makes him feel so rich. Actionable step: Assign each of your main characters a metaphor family. It could be based on their job, their background, or—more interestingly—their secret aspirations. Then go through your dialogue and make sure each character is consistently drawing from that well of language. If two characters sound the same when you strip away the dialogue tags, this is the fix. 6. Find the Diagnostic Detail: The Diagonal Toast Avoid clichéd character tags—the random scar, the eye patch, the mysterious limp—unless they serve a deep narrative purpose. Matt Bird on episode 624 was very funny about this: he pointed out that Nick Fury, Odin, and eventually Thor all have eye patches in the Marvel Cinematic Universe. Eye patches are done, he said. You cannot do eye patches anymore. Instead, look for what I'm calling the “diagonal toast” detail, after a scene Matt described from Captain Marvel. In the film, Captain Marvel is trying to determine whether Nick Fury is who he says he is. She asks him to prove he isn't a shapeshifting alien. Fury shares biographical details—his history, his mother—but then she pushes further and says, name one more thing you couldn't possibly have made up about yourself. And Fury says: if toast is cut diagonally, I can't eat it. Matt said that detail is gold for a writer because it feels pulled from a real life. You can pull it from your own life and gift it to your characters, and the reader can tell it's not manufactured. He gave another example from The Sopranos: Tony Soprano's mother won't answer the phone after dark. The show's creator, David Chase, confirmed on the DVD commentary that this came from his own mother, who genuinely would not answer the phone after dark and couldn't explain why. Matt's practical advice was to keep a journal. Write down the strange, specific things that people do or say. Mine your own life for those hyper-specific details. You just need one per book. In my own writing, I've used this approach. In my ARKANE thrillers, my character Morgan Sierra has always been Angelina Jolie in my mind—specifically Jolie in Lara Croft or Mr and Mrs Smith. And Blake Daniel in my crime thriller series was based on Jesse Williams from Grey's Anatomy. I paste pictures of actors into my Scrivener projects. It helps with visuals, but also with the sense of the character, their energy and physicality. But visual details only take you so far. It's the behavioural quirks—the diagonal toast moments—that make a character feel genuinely alive. That said, physical character tags can work brilliantly when they serve the story. As I discuss in How to Write a Novel, Robert Galbraith's Cormoran Strike is an amputee, and his pain and the physical challenges of his prosthesis are a key part of every story—it's not a cosmetic detail, it's woven into the action and the character's psychology. My character Blake Daniel always wears gloves to cover the scars on his hands, which provides an angle into his wounded past as well as a visual cue for the reader. And of course, Harry Potter's lightning-shaped scar isn't just a mark—it's a direct connection to his nemesis and the mythology of the entire series. The rule of thumb is: if the tag tells us something about the character's interior life or connects to the plot, it's earning its place. If it's just there to make the character visually distinctive, it's probably a crutch. Game of Thrones takes character tags further with the family houses, each with their own mottos and sigils. The Starks say “Winter is coming” and their sigil is a dire wolf. Those aren't just labels—they're worldview made visible. Actionable step: Start a “diagonal toast” notebook. Every time you notice something strange and specific about someone's behaviour—something that feels too real to be made up—write it down. Then gift it to a character who needs more texture. 7. Displace Your Own Trauma into the Work Barbara Nickless shared something deeply personal on episode 732 that fundamentally changed how I think about putting pain onto the page. While starting At First Light, the first book in her Dr. Evan Wilding series, she lost her son to epilepsy—something called SUDEP, Sudden Unexplained Death in Epilepsy. One day he was there, and the next day he was gone. Barbara said that writing helped her cope with the trauma, that doing a deep dive into Old English literature and the Viking Age for the book's research became a lifeline. But here's what's important: she didn't give Dr. Evan Wilding her exact trauma. Evan Wilding is four feet five inches, and Barbara described how he has to walk through a world that won't adjust to him. That's its own form of learning to cope when circumstances are beyond your control. She displaced her genuine grief into the character's different but parallel struggle. When I asked her about the difference between writing for therapy and writing for an audience, she drew on her experience teaching creative writing to veterans through a collaboration between the US Department of Defense and the National Endowment for the Arts. She said she's found that she can pour her heartache into her characters and process it through them, even when writing professionally, and that the genuine emotion is what touches readers. We've all been through our own losses and griefs, so seeing how a character copes can be deeply meaningful. I've always found that putting my own pain onto the page is the most direct way to connect with a reader's soul. My character Morgan Sierra's musings on religion and the supernatural are often my own. Her restlessness, her fascination with the darker edges of faith—those come from me. But her Krav Maga fighting skills and her ability to kill the bad guys are definitely her own. That gap between what's mine and what's hers is where the fiction lives. Barbara also said something on that episode that I wrote down and stuck on my wall. She said the act of producing itself is a balm to the soul. I've been thinking about that ever since. On my own wall, I have “Measure your life by what you create.” Different words, same truth. Actionable step: If you're carrying something heavy—grief, anger, fear, regret—consider how you might displace it into a character's different but emotionally parallel struggle. Don't copy your exact situation; transform it. The emotion will be genuine, and the reader will feel it. 8. Write Diverse Characters as Real People When I spoke with Sarah Elisabeth Sawyer on episode 673—Sarah is Choctaw and a historical fiction author honoured by the Smithsonian's National Museum of the American Indian—she offered a perspective that every fiction writer needs to hear. The key message was to move away from stereotypes. Don't write your American Indian character as the “Wise Guide” who exists solely to dispense mystic wisdom to the white protagonist. Don't limit diverse characters to historical settings, as though they only exist in the past. Place them in normal, contemporary roles. Your spaceship captain, your forensic scientist, your small-town baker—any of them can be American Indian, or Nigerian, or Japanese, and their heritage should be a lived-in part of their identity, not the sole reason they exist in the story. I write international thrillers and dark fantasy, and my fiction is populated with characters from all over the world. I have a multi-cultural family and I've lived in many places and travelled widely, so I've met, worked with, and had relationships with people from different cultures. I find story ideas through travel, and if I set my books in a certain place, then the story is naturally populated with the people who live there. As I discuss in my book, How to Write a Novel, the world is a diverse place, so your fiction needs to be populated with all kinds of people. If I only populated my fiction with characters like me, they would be boring novels. There are many dimensions of difference—race, nationality, sex, age, body type, ability, religion, gender, sexual orientation, socio-economic status, class, culture, education level—and even then, don't assume that similar types of people think the same way. Some authors worry they will make mistakes. We live in a time of outrage, and some authors have been criticised for writing outside their own experience. So is it too dangerous to try? Of course not. The media amplifies outliers, and most authors include diverse characters in every book without causing offence because they work hard to get it right. It's about awareness, research, and intent. Actionable step: Audit the cast of your current work in progress. Have you written a mono-cultural perspective for all of them? If so, consider who could bring a different background, perspective, or set of cultural specifics to the story. Not as a token addition, but as a real person with a real life. 9. Respect Tribal and Cultural Specificity Sarah Elisabeth Sawyer on episode 673 was emphatic about one thing: never treat diverse groups as monolithic. If you're writing a Native American character, you must research the specific nation. Choctaw is not Navajo, just as British is not French. Sarah described the distinct cultural markers of the Choctaw people—the diamond pattern you'll see on traditional shirts and dresses, which represents the diamondback rattlesnake. They have distinct dances and songs. She said that if she saw someone in traditional dress at a distance, she would know whether they were Choctaw based on what they were wearing. She encouraged writers who want to write specifically about a nation to get to know those people. Go to events, go to a powwow, learn about the individual culture. She noted that a big misconception is that American Indians exist only in the past—she stressed that they are still here, still living their cultures, and fiction should reflect that present reality. I took a similar approach when writing Destroyer of Worlds, which is set mostly in India. I read books about Hindu myth, watched documentaries about the sadhus, and had one of my Indian readers from Mumbai check my cultural references. For Risen Gods, set in New Zealand with a young Maori protagonist, I studied books about Maori mythology and fiction by Maori authors, and had a male Maori reader check for cultural issues. Research is simply an act of empathy. The practical takeaway is this: if you're going to include a character from a specific cultural background, do the work. Use specific cultural details rather than generic signifiers. Sarah talked about how even she fell into stereotypes when she was first writing, until her mother pointed them out. If someone from within a culture can fall into those traps, the rest of us certainly can. Do the research, try your best, ask for help, and apologise if you need to. Actionable step: If you're writing a character from a specific culture, identify three to five sensory or behavioural details that are particular to that culture—not the generic version, but the real, researched, lived-in version. Consider hiring a sensitivity reader from that community to check your work. 10. Give Your Protagonist a Morally Neutral ‘Hero' Status Matt Bird was clear about this on episode 624: the word “hero” simply means the protagonist, the person we follow through the story. It's a functional role, not a moral label. We don't have to like them. We don't even have to root for their goals in a moral sense. We just have to find them compelling enough to invest our attention in their problem-solving. Think of Succession, where every member of the Roy family is varying degrees of awful, and yet the show was utterly compelling. Or WeCrashed, where Adam Neumann is a narcissistic con artist, but we can't look away because he's trying to solve the enormous problem of building an empire from nothing, and the tradecraft he employs is fascinating. As I wrote in How to Write a Novel, readers must want to spend time with your characters. They don't have to be lovable or even likable—that will depend on your genre and story choices—but they have to be captivating enough that we want to spend time with them. A character who is trying to solve a massive problem will naturally draw investment from the audience, even if we wouldn't want to have tea with them. Will Storr extended this idea by pointing out that the audience will actually root for a character to solve their problem even if the audience doesn't actually want the character's goal to be achieved in the real world. We don't really want more billionaires, but we invested in Adam Neumann's rise because that was the problem the story posed, and our brains are wired to invest in problem-solving. This connects to something deeper: what does your character want, and why? As I explore in How to Write a Novel, desire operates on multiple levels. Take a character like Phil, who joins the military during wartime. On the surface, she wants to serve her country. But she also wants to escape her dead-end town and learn new skills. Deeper still, her father and grandfather served, and by joining up, she hopes to finally earn their respect. And perhaps deepest of all, her father died on a mission under mysterious circumstances, and she wants to find out what happened from the inside. That layering of motivation is what turns a flat character into a three-dimensional one. The audience doesn't need to be told all of this explicitly. It can emerge through action, dialogue, and the choices the character makes under pressure. But you, the writer, need to know it. You need to know what your character really wants deep down, because that desire—more than any external plot device—is what drives the story forward. And your antagonist needs the same depth. They also want something, often diametrically opposed to your protagonist, and they need a reason that makes sense to them. In my ARKANE thriller Tree of Life, my antagonist is the heiress of a Brazilian mining empire who wants to restore the Earth to its original state to atone for the destruction caused by her father's company. She's part of a radical ecological group who believe the only way to restore Nature is to end all human life. It's extreme, but in an era of climate change, it's a motivation readers can understand—even if they disagree with the solution. Actionable step: If you're struggling to make a morally grey character work, make sure their problem is big enough and their methods are specific and interesting enough that we invest in the how, even if we're ambivalent about the what. 11. Build Vibrant Side Characters Gail Carriger made a point on episode 550 that was equal parts craft advice and business strategy. In a Heroine's Journey model, side characters aren't just fodder to be killed off to motivate the hero. They form a network. And because you don't have to kill them—unlike in a hero's journey, where allies are often betrayed or removed so the hero can be further isolated—you can pick up those side characters and give them their own books. Gail said this creates a really voracious reader base. You write one series with vivid side characters, and then readers fall in love with those side characters and want their stories. So you write spin-offs. The romance genre does this brilliantly—think of the Bridgerton books, where each sibling gets their own novel. The side character in one book becomes the protagonist in the next. Barbara Nickless experienced this firsthand with her Dr. Evan Wilding series. She has River Wilding, Evan's adventurous brother, and Diana, the axe-throwing research assistant, and her editor has already expressed interest in a spin-off series with those characters. Barbara described creating characters she wants to spend time with, or characters who give her nightmares but also intrigue her. That's the dual test: are they interesting enough for you to write, and interesting enough for readers to demand more? As I wrote in How to Write a Novel, characters that span series can deepen the reader's relationship with them as you expand their backstory into new plots. Readers will remember the character more than the plot or the book title, and look forward to the next instalment because they want more time with those people. British crime author Angela Marsons described it as readers feeling like returning to her characters is like putting on a pair of old slippers. Actionable step: Look at your supporting cast. Is there a side character who is vivid enough to carry their own story? If not, what could you add—a specific hobby, a distinct voice, a compelling backstory—that would make readers want more of them? 12. Use Voice as a Rhythmic Tool Voice is one of the most important elements of novel writing, and Matt Bird helped me think about it in a technical, mechanical way that I found really useful. He pointed out that the ratio of periods to commas defines a character's internal reality. A staccato rhythm—lots of periods, short sentences—suggests a character who is certain, grounded, or perhaps survivalist and traumatised. Katniss in The Hunger Games has a period-heavy voice. She's in survival mode. She doesn't have time for complexity or qualification. A flowing, comma-heavy style suggests someone more academic, more nuanced, or possibly more scattered and manipulative. The character who qualifies everything, who adds sub-clauses and digressions, is a different kind of person from the character who speaks in declarations. This is something you can actually measure. Pull up a passage of your character's dialogue or internal monologue and count the periods versus the commas. If the rhythm doesn't match who the character is supposed to be, you've found a mismatch you can fix. Sentence length is the heartbeat of your character's persona. And voice extends beyond rhythm to the words themselves. As I discussed in the metaphor families tip, each character should draw from a distinctive well of language. But voice also encompasses their relationship to silence. Some characters talk around the thing they mean; others say it straight. Some are self-deprecating; others are blunt to the point of rudeness. All of these choices are character choices, not just style choices. I find it useful to read my dialogue aloud—and not just to check for naturalness, but to hear whether each character sounds distinct. If you could swap dialogue lines between two characters and nobody would notice, you have a voice problem. One practical test: cover the dialogue tags and see if you can tell who's speaking from the words alone. Actionable step: Choose a key passage from your protagonist's point of view and read it aloud. Does the rhythm match the character? A soldier under fire should not sound like a philosophy professor at a wine tasting. Adjust the ratio of periods to commas until the voice feels right. 13. Link Character and Plot Until They're Inseparable Will Storr made the case on episode 490 that the number one problem he sees in the writing he encounters—in workshops, in submissions, even in published books—is that the characters and the plots are unconnected. There's a story happening, and there are people in it, but the story isn't a product of who those people are. He said a story should be like life. In our lives, the plots are intimately connected to who we are as characters. The goals we pursue, the obstacles we face, the same problems that keep recurring—these are products of our personalities, our flaws, our specific ways of being in the world. His framework is that your plot should be designed specifically to plot against your character. You've got a character with a particular flaw; the plot exists to test that flaw over and over until the character either transforms or doubles down and explodes. Jaws is the perfect example. Brody is afraid of water. A shark shows up in the coastal town he's responsible for protecting. The entire plot is engineered to force him to confront the one thing he cannot face. Will pointed out that the whole plot of Jaws is structured around Brody's flaw. It begins with the shark arriving, the midpoint is when Brody finally gets the courage to go into the water, and the very final scene isn't the shark blowing up—it's Brody swimming back through the water. Even a film that's ninety-eight percent action is, at its core, structured around a character with a character flaw. This is the standard I aspire to in my own work, even in my action-heavy thrillers. The external plot should be a mirror of the internal struggle. When those two are aligned, the story becomes irresistible. Will also made an important point about series fiction, which is where most commercial authors live. I asked him how this works when your character can't be transformed at the end of every book because there has to be a next book. His answer was elegant: you don't cure them. Episodic TV characters like Fleabag or David Brent or Basil Fawlty never truly change—and the fact that they don't change is actually the source of the comedy. But every episode throws a new story event at them that tests and exposes their flaw. You just keep throwing story events at them again and again. That's a soap opera, a sitcom, and a book series. As I wrote in How to Write a Novel, character flaws are aspects of personality that affect the person so much that facing and overcoming them becomes central to the plot. In Jaws, the protagonist Brody is afraid of the water, but he has to overcome that flaw to destroy the killer shark and save the town. But remember, your characters should feel like real people, so never define them purely by their flaws. The character addicted to painkillers might also be a brilliant and successful female lawyer who gets up at four in the morning to work out at the gym, likes eighties music, and volunteers at the local dog shelter at weekends. Character wounds are different from flaws. They're formed from life experience and are part of your character's backstory—traumatic events that happened before the events of your novel but shape the character's reactions in the present. In my ARKANE thrillers, Morgan Sierra's husband Elian died in her arms during a military operation. This happened before the series begins, but her memories of it recur when she faces a firefight, and she struggles to find happiness again for fear of losing someone she loves once more. And then there's the perennial advice: show, don't tell. Most writers have heard this so many times that it's easy to nod and then promptly write scenes that tell rather than show. Basically, you need to reveal your character through action and dialogue, rather than explanation. In my thriller Day of the Vikings, Morgan Sierra fights a Neo-Viking in the halls of the British Museum and brings him down with Krav Maga. That fight scene isn't just about showing action. It opens up questions about her backstory, demonstrates character, and moves the plot forward. Telling would be something like: “Morgan was an expert in Krav Maga.” Showing is the reader discovering it through the scene itself. Actionable step: Look at the main plot events of your novel. For each major turning point, ask: does this scene specifically test my protagonist's flaw? If not, can you redesign the scene so that it does? The tighter the connection between character and plot, the more powerful the story. 14. The ‘Maestra' Approach: Write Out of Order If you're a discovery writer like me, you may feel like the deep character work I've been describing sounds more suited to plotters. But Barbara Nickless gave me a beautiful metaphor on episode 732 that reframes it entirely. Barbara described her evolving writing process as being like a maestra standing in front of an orchestra. Sometimes you bring in the horns—a certain theme—and sometimes you bring in the strings—a certain character—and sometimes you turn to the soloist. It's a more organic and jumping-around process than linear writing, and Barbara said she's only recently given herself permission to work this way. When I told her that I use Scrivener to write in scenes out of order and then drag and drop them into a structure later, she was genuinely intrigued. And this is how I've always worked. I'll see the story in my mind like a movie trailer—flashes of the big emotional scenes, the pivotal confrontations, the moments of revelation—and I write those first. I don't know how they hang together until quite late in the process. Then I'll move scenes around, print the whole thing out, and figure out the connective tissue. The point is that discovery writers can absolutely build deep characters. Sometimes writing the big emotional scenes first is how you discover who the character is before you fill in the rest. You don't need a twenty-page character worksheet or a 200-page outline like Jeffery Deaver. You need to be willing to follow the character into the unknown and trust that the structure will emerge. As Barbara said, she writes to know what she's thinking. That's the discovery writer's credo. And I would add: I write to know who my characters are. Actionable step: If you're stuck on your current chapter, skip it. Write the scene that's burning in your imagination, even if it's from the middle or the end. That scene might be the key to unlocking who your character really is. 15. Use Research to Help with Empathy Research shouldn't just be about factual accuracy—it's a tool for finding the sensory details that create empathy. Barbara Nickless described research as almost an excuse to explore things that fascinate her, and I feel exactly the same way. I would go so far as to say that writing is an excuse for me to explore the things that interest me. Barbara and I both travel for our stories. For her Dr. Evan Wilding books, she did deep research into Old English literature and the Viking Age. For my thriller End of Days, I transcribed hours of video from Appalachian snake-handling churches on YouTube to understand the worldview of the worshippers, because my antagonist was brought up in that tradition. I couldn't just make that up. I had to hear their language, feel their conviction, understand why they would hold venomous serpents as an act of faith. Barbara also mentioned getting to Israel and the West Bank for research, and I've been to both places too. Finding that one specific sensory detail—the smell of a particular location, the specific way an expert handles a tool, the sound of a particular kind of music—makes the character's life feel lived-in. It's the difference between a character who is described as living in a place and a character who inhabits it. As I wrote in How to Write a Novel, don't write what you know. Write what you want to learn about. I love research. It's part of why I'm an author in the first place. I take any excuse to dive into a world different from my own. Research using books, films, podcasts, and travel, and focus particularly on sources produced by people from the worldview you want to understand. Actionable step: For your next piece of character research, go beyond reading. Watch a documentary, visit a location, talk to someone who lives the experience. Find one sensory detail—a smell, a sound, a texture—that you couldn't have invented. That detail will make your character feel real. Bonus: Measure Your Life by What You Create In an age of AI and a tsunami of content, your ultimate brand protection is the quality of your human creation. Barbara Nickless said that the act of producing itself is a balm to the soul, and I believe that with every fibre of my being. Don't be afraid to take that step back, like I did with my deadlifting. Take the time to master these deeper craft skills. It might feel like you're slowing down or going backwards by not chasing the latest marketing trend, but it's the only way to step forward into a sustainable, high-quality career. Your characters are your signature. No AI can replicate the specificity of your lived experience, the emotional truth of your displaced trauma, or the sensory details you've gathered from a life of curiosity and travel. Those are yours. Pour them into your characters, and they will resonate for years to come. Actionable Takeaway: Identify the Dramatic Question for your current protagonist. Can you state it in a single sentence with the kind of specificity Will Storr described? Is it as clear as “Are you ordinary or extraordinary?” or “Are you the only adult in the room?” If you can't answer it with that kind of precision, your character might still be a sketch. Give them a diagonal toast moment today. Find the one hyper-specific detail that proves they are not an imitation of life. And then ask yourself: does your plot test your character's flaw in every major scene? If you can align those two things—a precisely defined character and a plot that exists to test them—you will have a story that readers cannot put down. References and Deep Dives The episodes I've referenced today are all available with full transcripts at TheCreativePenn.com: Episode 732 — Facing Fears, and Writing Unique Characters with Barbara Nickless Episode 673 — Writing Choctaw Characters and Diversity in Fiction with Sarah Elisabeth Sawyer Episode 624 — Writing Characters with Matt Bird Episode 550 — The Heroine's Journey with Gail Carriger Episode 490 — How Character Flaws Shape Story with Will Storr Books mentioned: The Secrets of Character: Writing a Hero Anyone Will Love by Matt Bird The Science of Storytelling by Will Storr The Heroine's Journey by Gail Carriger How to Write a Novel: From Idea to Book by Joanna Penn You can find all my books for authors at CreativePennBooks.com and my fiction and memoir at JFPennBooks.com Happy writing! How was this episode created? This episode was initiated created by NotebookLM based on YouTube videos of the episodes linked above from YouTube/TheCreativePenn, plus my text chapters on character from How to Write a Novel. NotebookLM created a blog post from the material and then I expanded it and fact checked it with Claude.ai 4.6 Opus, and then I used my voice clone at ElevenLabs to narrate it. The post Writing Characters: 15 Actionable Tips For Writing Deep Character first appeared on The Creative Penn.

In this episode of the Earn and Invest podcast, host Doc G interviews Tony Award-winning Broadway producer Ken Davenport about the mechanics and appeal of passion investing, specifically in Broadway shows. Davenport compares passion investing to buying a sports team: it is a way for individuals with financial security to add joy and potential profit to their portfolios. He emphasizes that investing in a Broadway show is essentially like investing in a startup company; it is a brand-new product trying to penetrate the market, which inherently makes it highly risky Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Alexandra Wilson-Elizondo, the co-Chief Investment Officer of Multi-Asset Solutions at Goldman Sachs. ---

Ted Kaasch and Owen Dashner are back with another Real Estate Rundown on REIA Radio, covering real investor conversations, market uncertainty, tax strategy talk, and deal stories happening in real time.In this episode, they preview next week's sit-down with Jeff Ahern, teasing his military background, real estate journey, and the story behind the investor many know as Megan Ahern's other half. Jeff does not appear in this episode — this one sets up what's coming next.Ted and Owen also dive into a tax-related Golden Nugget involving depreciation schedules and major property replacements, then shift into broader conversations around market volatility, global tension, inspections, disclosures, and the messy side of getting deals across the finish line. It's a real, unfiltered episode for people actually in the game.Subscribe to REIA Radio, leave a 5-star review, and stay tuned for next week's episode featuring Jeff Ahern.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Crypto News: Bitcoin continues relief rally but the stock market shows a potential crash is coming. The crypto market structure legislation, Clarity Act, may not pass in 2026.Brought to you by

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationIn this webinar replay of the Mailbox Money Show, Bronson Hill hosts an expert panel exploring the explosive growth of private credit as banks pull back. The discussion covers merchant cash advance, real estate debt, litigation finance, medical receivables, and how investors can access 10–16%+ yields with strong collateral and velocity of money. Learn underwriting strategies, risk mitigation, operator alignment, and why private credit offers diversification and liquidity in today's market.Panelists:Patrick Grimes — Founder of Passive Investing Mastery and Invest on Main Street, specializing in recession-resilient private credit across real estate debt, litigation finance, and medical receivables.Dave Wolcott — Founder of Pantheon Investments, focused on merchant cash advance and business growth financing with daily/weekly repayments and strong diversification.Steven Pesavento — Managing Partner at VonFinch Capital, expert in multifamily syndication and private credit notes backed by real estate collateral.Sam Silverman — Principal at Silverman Capital, delivering private credit solutions for small businesses with emphasis on speed, alignment, and low defaults.TIMESTAMPS0:37 - Welcome to the Rise of Private Credit Webinar3:02 - Panelist Introductions4:56 - What is Private Credit and Why It Exists7:05 - Speed and Flexibility in Private Credit vs Banks8:18 - Risk Assessment and Underwriting in Private Credit9:37 - Poll: Familiarity with Private Credit10:16 - Dave's Fund: Underwriting, Default Rates, and Returns12:59 - Sam's Structure: Zero Fees, Preferred Returns, and Liquidity13:08 - Audits and Third-Party Reviews for Funds14:05 - Alignment of Incentives and Sponsor Vetting15:05 - Using ChatGPT for Deal Analysis16:28 - Diligence, Recourse, and Risk Mitigation22:43 - Poll: Desired Returns in Private Credit23:00 - High Returns vs Risk in Merchant Cash Advance24:06 - Default Management and Repeat Customers25:37 - Leverage and Revenue-Based Repayment27:03 - AI's Role in Private Credit and Business28:34 - AI Impact on Jobs and Real Estate Resilience32:23 - AI Workforce Changes and GDP Growth34:45 - Poll Results on Returns35:25 - Announcement of Next Event and Giveaway38:00 - Bronson's Book Giveaway and Strategy Calls39:02 - Billboards as Private Credit Opportunity41:21 - Billboards Sourcing and Zoning44:34 - Opportunity Zones and New Rules46:59 - Upcoming Panels and Resources52:03 - Connect with the PanelistsJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Patrick Grimes:Website: https://passiveinvestingmastery.com/Email: patrick@passiveinvestingmastery.comDave Wolcott:Email: dave@pantheoninvest.comWebsite: https://pantheoninvest.com/Linkedin: https://www.linkedin.com/in/dave-wolcott-863306/Instagram: https://www.instagram.com/pantheoninvest/Linktree: https://linktr.ee/pantheoninvestSam Silverman:LinkedIn: https://www.linkedin.com/in/samalterantiveinvestments/Steven Pesavento:Website: https://www.vonfinch.com/Email: steven@vonfinch.com#PrivateCredit#PassiveIncome#AlternativeInvesting#CashFlow#RealEstateDebt#MerchantCashAdvance#WealthBuilding

Transform your dating life with my coaching options: https://www.globalseducer.com/coaching  Invest in my bestselling book: https://www.globalseducer.com/book 

Your gym probably isn't unique.Not in the way you think it is.The workout might be slightly different.The coaching might feel different.The culture might feel different.But to the market?You're probably just another shade of the same color.—-------------------------------------------------------------------------------------------------------------I solve problems in your business and make you more money.  Guaranteed. For over a decade, I've been working with gym owners (via one-on-one consulting) to help create tailored solutions to solve their business problems, engineer the game plan,n and empower them to execute the strategy.Stop wishing your business problems are going to magically go away.  Invest in your business and let me solve your problems and optimize your business fast and efficiently. We'll work together daily/weekly, with a monthly call until the problem is solve,d and then I want you to fire me.  Because this is YOUR business, I'm just here to solve a specific problem and then get out of your way.⁠Learn more about what it's like for us to work together.⁠—-------------------------------------------------------------------------------------------------------------Want to increase your business IQ by 100x for only $50? Get enrolled in Microgym University - the only online business school that teaches you the best practices and business frameworks from some of the most successful brands in our industry, and then lets you decide which ones to install in your business.New courses are added every month. ⁠⁠www.microgymuniversity.com⁠⁠ —-------------------------------------------------------------------------------------------------------------Need help leasing or buying a building?I created the Gym Real Estate Company so that gym owners had someone who could go beyond the duties of a typical real estate broker and actually advise them on business aspects as they relate to site selection, market location fit, operational capacity, facility layout, pre-sell marketing, and more.If you're looking for help with your next lease or if you want us to help you along the journey of buying a building -⁠ ⁠⁠⁠head over to www.gymrealestate.co and book a Discovery Call.⁠—--------------------------------------------------------------------------------------------------------------

Grab your tin foil hat and get in here LIVE!! Lets take one final look at the fighters for UFC Vegas 114 and try to make some money!!Follow me! Twitter (x): @DieHardMMAPodInstagram: https://www.instagram.com/diehardufc/Facebook: https://www.facebook.com/DieHardMMAPodcastBlueSky: @diehardmmapod.bsky.social► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off ► Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/all

What is your area of expertise? Maybe you're a doctor, lawyer, fisherman, or construction worker looking for a way to invest your cash flow and create passive income. Whatever your profession, it's important to stay within your circle of competence and rely on experienced financial professionals to help guide your long-term wealth-building strategy and disciplined risk management. In the latest episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq., explain why working with the right financial experts is essential to making smart investment decisions that help protect and preserve your capital. Learn why stress-testing your numbers and preparing for worst-case scenarios are critical steps toward achieving long-term financial freedom. Vance and Seth discuss: The Smart Risk Framework Every Investor Should Know The Importance of Knowing Your Limits when it comes to Investing Why Competence is Key: Don't Go to Just Anyone for Financial Advice How Wealthy Families Protect Their Capital Through Stress-Testing Their Investments Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/ 

– Should I buy big positions up-front and fix diversification over time? – Should I sell my LIC? – Bonds vs. cash? – Should I invest in property for my kids? – Fixing the Budget and productivity?See omnystudio.com/listener for privacy information.

Millennials didn't just change how people invest -- they changed what investing even looks like. Cheaper, faster, more automated, and occasionally more dangerous than anything that came before. The real question isn't whether to adopt their habits. It's which ones are actually building wealth and which ones are quietly lighting your portfolio on fire. Joe, OG, Jen Smith (Frugal Friends), and Doc G (Earn & Invest) sort the signal from the noise. What You'll Walk Away With The quiet Millennial investing shift that made building wealth more accessible than any generation before them -- and why most people missed it Why automation may be the single most powerful tool in your financial stack, and the one condition that turns it against you The difference between technology built to help you invest and technology built to keep you tapping the trade button How budgeting apps can create real spending clarity -- or accidentally trigger what the crew calls "procrasti-spending" Why fewer investment decisions often outperform more of them, and what the research actually says The hidden cost of frictionless trading and why the winning move is sometimes the most boring one available Where to take big swings if you want outsized rewards -- and why your long-term portfolio probably isn't the right arena How Millennials are diversifying beyond just assets, and what that broader thinking means for investors in their 40s The honest tension between values-based investing and long-term returns -- and how serious investors are navigating it without sacrificing either What growing portfolio customization actually means for everyday investors who aren't managing millions Why This Matters Now If you're in your 40s, you've watched an entire new financial infrastructure get built around a generation younger than you -- and you may be wondering what's worth borrowing. More access and more information don't automatically produce better outcomes. Knowing which Millennial habits genuinely compound over time, and which ones just feel productive, is the kind of edge that shows up in your account balance a decade from now. From the Basement OG makes his case for patience (again), Doc G steers things toward the bigger life picture, and Jen Smith grounds the conversation in the money habits real people actually use. Doug surfaces a trivia question involving a NASA probe budget -- and whether you think you know the answer or not, the basement scoreboard has a way of humbling even the most confident Stacker. Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

We reminisce about when we were happiest in our lives, talk dishwashers, and bodily fluids.See omnystudio.com/listener for privacy information.

Transform your dating life with my coaching options: https://www.globalseducer.com/coaching  Invest in my bestselling book: https://www.globalseducer.com/book 

I really hope I'm wrong and that more than 5% of you actually take action on this...—-------------------------------------------------------------------------------------------------------------I solve problems in your business and make you more money.  Guaranteed. For over a decade, I've been working with gym owners (via one-on-one consulting) to help create tailored solutions to solve their business problems, engineer the game plan,n and empower them to execute the strategy.Stop wishing your business problems are going to magically go away.  Invest in your business and let me solve your problems and optimize your business fast and efficiently. We'll work together daily/weekly, with a monthly call until the problem is solve,d and then I want you to fire me.  Because this is YOUR business, I'm just here to solve a specific problem and then get out of your way.⁠Learn more about what it's like for us to work together.⁠—-------------------------------------------------------------------------------------------------------------Want to increase your business IQ by 100x for only $50? Get enrolled in Microgym University - the only online business school that teaches you the best practices and business frameworks from some of the most successful brands in our industry, and then lets you decide which ones to install in your business.New courses are added every month. ⁠⁠www.microgymuniversity.com⁠⁠ —-------------------------------------------------------------------------------------------------------------Need help leasing or buying a building?I created the Gym Real Estate Company so that gym owners had someone who could go beyond the duties of a typical real estate broker and actually advise them on business aspects as they relate to site selection, market location fit, operational capacity, facility layout, pre-sell marketing, and more.If you're looking for help with your next lease or if you want us to help you along the journey of buying a building -⁠ ⁠⁠⁠head over to www.gymrealestate.co and book a Discovery Call.⁠—--------------------------------------------------------------------------------------------------------------

A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn't save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds. 0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean 1:58 Inc. article claims you shouldn't save for retirement 2:45 Entrepreneur Joseph Drups' “cash-flow over investing” strategy 4:08 The myth of passive income from small businesses 5:46 Valuing a business vs. claiming low net worth 7:17 Reality check: most small businesses fail 10:06 Drups Ventures model and e-commerce brand acquisitions 11:10 The $100/month “Fast FI Club” and selling the system 13:55 Entrepreneurship vs. unrealistic promises of passive income 15:28 Impatience and the risks of chasing quick financial independence 16:44 Listener question: Avantis AVTM vs. AVGE 19:11 What actually defines a “true” index fund 23:06 Bogleheads critique of smart beta and factor strategies 24:08 Evidence for small-cap and value premiums since 1926 27:18 Fees vs. expected factor premiums 28:00 Recency bias and long periods when factors underperform 30:53 Raisin Bran bag conspiracy theory and aging complaints Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Andrew's FREE Investing for Beginner's Masterclass. Click the Link Here  

Quint and Allie talk through the best way to get started investing and who you should use to do so. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.