Podcasts about invest

Luke Guerrero examines the risks facing corporate bond markets as a trillion-dollar wave of low-interest debt matures in 2026, forcing companies to refinance at much higher rates.Today's Stocks & Topics: RLI – RLI Corp, CALM - Cal-Maine Foods, Inc, BTU - Peabody Energy Corp, WY - Weyerhaeuser Co, LYV - Live Nation Entertainment Inc, BR - Broadridge Financial Solutions, Inc; a question from our YouTube channel viewers: EZPW – EZCorp, Inc; plus Luke's market wrap, Luke's metals, oil, and interest rates report, and Luke's talking points: 'AI Debt' and “Permian Basin Risks'Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: Bonds, Portfolio Management, Credit Card Debt, Real Estate Co-Op, Investing for Kid's Future, Current Bond Market, Investing in Morocco, Value Stock, Difference from a 403b and Regular 401k, The Young Consumer, Large, Mid or Small Caps, Roth I-R-A Withdrawals, Preferred Dividend Stocks, The Dow vs. The S&P 500, 401k Rollover, Fractional Shares, Growth to Value Trade.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Quint and Logan talk through this junior question about where to invest and what options to consider. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

I sat down with Amy Calandrino to talk about one of the biggest traps in small business, owning a job instead of an asset. We unpacked the real difference between momentum and just being stuck on a treadmill, how real estate can either unlock freedom or bury you, and why most people overcomplicate entrepreneurship. If you're serious about building something durable, not just flashy, this conversation is worth your time. 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  

0.02 Timmy, one of the moderators of the /r/CryptoCurrency subreddit and member of the Polygon marketing team, joined me to discuss crypto on social platforms the latest with Polygon.Topics:- Reddit vs other social platforms for Crypto- Power of Reddit - GME and AMC- Reddit NFT integrations - Polygon latest and greatestBrought to you by

This week, we're looking back at three discussions we held earlier this year on Investing Insights about exchange-traded funds that income investors might find attractive. Morningstar ETF specialists, Bryan Armour and Dan Sotiroff, talked about dividend, bond, and covered-call ETFs in 2025.Subscribe to Morningstar's ETFInvestor Newsletter.On this episode:00:00:00 Welcome00:01:33 Dividend investing can result in exposure to factors like value, quality, and low volatility. Can you briefly explain one, what is factor investing, and then where do dividend ETFs typically land?00:03:21 How do you find a dividend ETF that provides the optimal, or just rightamount, of factor exposure? And what should appear on our checklist? 00:04:40 Four dividend ETFs hold Morningstar's Medalist Rating of Gold. Let's start with the two dividend growth ETFs from Vanguard that hold these marks.00:05:17 Explain why Vanguard's top dividend income strategy also impressed Morningstar analysts.00:06:07 The final and fourth Gold-rated dividend ETF mixes both income and growth strategies. Talk about the one from Schwab.Bond ETFs are having a banner year. Why are investors turning to these investments?00:09:01 What makes a core bond ETF a solid portfolio building block?00:10:02What's the top idea that's received high marks from Morningstar?00:11:39We're shifting from the least risky to the next level up, core-plus. What do these bond ETFs typically offer that an index-tracking ETF does not?00:11:21 Can you tell us one intermediate core-plus bond ETF that's earned a Gold rating from Morningstar?00:11:56 Multisector bond ETFs take on a bit more risk than the previous two categories, and that comes with an expectation of more income. Should income investors skip the others and start here?00:13:11It'stime for the third top idea. What multisector bond ETF should folks consider?00:13:36 High-yield bond ETFs are the riskiest among the categories we're discussing today. What additional risks are investors taking on for the juicy yields?00:14:42 Morningstar does not currently rate any actively managed high-yield bond ETFs. Is there one that income investors should watch?00:16:41What's making covered-call ETFs so popular in 2025?00:17:09 Their yields lookvery high. What is driving them?00:18:31 What types of trade-offs are investors making?00:19:51 Which covered-call ETFs do Morningstar analysts consider a solid choice for investors, and why?  Watch more from Morningstar:Where to Invest in 2026 After This Year's Market Volatility LINKWhy Betting Against Nvidia in the AI Arms Race Could Be a MistakeHere's What Your Retirement Spending Rate Should Be in 2026 Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Kelley's Bull Market News, Kelley Slaught discusses the common mistakes retirees make and how to avoid them. The conversation covers various traps in retirement planning, including the importance of having a clear income strategy, the risks of cashing out retirement accounts, and the need for effective tax planning. Kelley emphasizes the significance of diversification and modern strategies in retirement planning, as well as the lifestyle traps that can derail financial stability. The episode concludes with listener questions, providing insights into specific financial concerns. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty uses Jimmy Buffet lyrics to compare to a good retirement mindset and then moves into a conversation about good savings strategies to walk through that retirement roadmap. He also discusses the importance of transitioning from risk to a safer approach in retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this inaugural InvestTalk holiday special, Justin and Luke wrap up the year by gift-wrapping the market's toughest lessons and checking their list of "naughty or nice" investor behaviors to see who's set for success. From crowning the listener call of the year to peering into the crystal ball for 2026 market predictions, this episode is a festive roadmap to help you secure your financial future.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Tune in as the team discusses:Why age is not a barrier—and may be an advantage—in land investing.How investors over fifty use life experience, grit, and focus to accelerate success.The role of purpose, legacy, and family motivation as powerful drivers for older entrepreneurs.Tech fears, learning curves, and how delegation and simple systems make the model accessible.Real stories of older land investors who transformed their finances and their lives.How community, friendship, and shared mindset create unexpected rewards beyond money.Creative ways to start investing even with limited capital or experience.Why the land business acts as “land therapy” for buyers and sellers alike.The importance of routines, mindset, and lifelong learning at every age.TIP OF THE WEEKMark: Try replacing your morning coffee with Keith's Cacao—a cleaner, more intentional ritual that boosts energy and focus.Scott: Build a simple daily routine for your land business; consistency is the foundation of longevity and success.Mike: Use land arbitrage to get started with minimal capital—control property without buying it outright and profit from the spread.Jon: When using agents, choose realtors who specialize in raw land; the right listing partner makes a massive difference in results.WANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Sign up for FREE COACHING with Alli – https://alliworthington.com/freecoaching    Merry Christmas! We're continuing our Best-Of Series. Today, we're digging into life hacks that truly make a difference—not fluffy tips, but strategic shifts that change how you think, connect, and live with purpose and clarity.   Feeling stretched thin? This episode helps you tune out distractions, refocus, and build meaningful habits. Kendra Adachi shares how to prioritize what matters and why small steps create a life you love.   Then we'll dive into practical, research-backed wisdom from Eric Barker on how to cultivate deeper, more meaningful relationships instead of staying stuck in surface-level connections. And Mark Batterson closes us out with the power of a daily gratitude habit—why it rewires your mind for more peace, joy, and resilience than you ever imagined.   This episode is packed with practical wisdom you can use right away. I can't wait for you to hear it.   Timestamps: (01:15) -  Choosing What Matters and Being a Genius About That (04:15) - Starting Small (08:25) - Practical Steps to Invest in More Meaningful Relationships (11:11) -  Using a Gratitude Journal or Having a Daily Gratitude Habit WATCH ALLI  ON YOUTUBE   Links to great things we discussed:    Catalyst Mastermind The Uplift app is here! Try it free for 30 days. Sign up for FREE COACHING with Alli – https://alliworthington.com/freecoaching    I hope you loved this episode!

Most people believe saving money is the responsible thing to do. But what if that habit is quietly costing you your future wealth?   In this episode of The Abundance Mindset, Vinney Chopra and Gualter Amarelo break down why money that sits still actually loses power over time—and how fear-based saving can limit opportunity. Vinney shares lessons from building a massive real estate portfolio after coming to the U.S. with just $7, while Gualter connects those principles to real decisions investors are making right now.   Here's what they dive into:

On this episode of Zen and the Art of Real Estate Investing, Jonathan Greene speaks with Spencer Hilligoss, CEO and co-founder of Madison Investing, about his journey from growing up in a real estate brokerage household to becoming a thoughtful passive investor and investing club leader. Spencer shares how a long career in Silicon Valley tech shaped his approach to risk, cash flow, and long-term financial planning, and why real estate became a critical tool for building stability beyond W-2 income. The conversation explores Spencer's transition from owning rental properties to focusing on limited partner investing, including how capacity, family priorities, and operational realities influenced that shift. Spencer breaks down how he evaluates sponsors, why track record and communication matter more than flashy projections, and what recent market cycles have reinforced about conservative underwriting and disciplined deal selection. Listeners will gain clarity on when passive investing makes sense, how to think about risk and accountability as an LP, and why education and mindset—not deal hype—are the foundation of long-term success. In this episode, you will hear: How growing up in a brokerage family influenced Spencer's investing mindset Why W-2 income alone isn't enough for long-term financial resilience The transition from owning rentals to passive LP investing How to evaluate sponsors, track record, and deal structure Why "passive" investing still requires active due diligence Lessons learned from recent market shifts and recalibrated return expectations Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover these conversations and supports the show's growth. Supporting Resources Connect with Spencer Website: http://www.madisoninvesting.com/  Website: http://www.spencerhilligoss.com/  Twitter: https://x.com/SpenceHilligoss  LinkedIn: http://www.linkedin.com/in/shilligoss/  Connect with Jonathan: Website - www.streamlined.properties  YouTube - www.youtube.com/c/JonathanGreeneRE/videos  Instagram - www.instagram.com/trustgreene  Instagram - www.instagram.com/streamlinedproperties    Zillow - www.zillow.com/profile/streamlinen​j Bigger Pockets -  www.biggerpockets.com/users/jonathangreene Facebook - www.facebook.com/streamlinedproperties  Email - info@streamlined.properties   This episode was produced by Outlier Audio.

In this special holiday edition of SaaS Fuel, Jeff Mains delivers a powerhouse “Best of 2025” episode. After a year of learning from 104 founder, operator, and investor conversations, Jeff Mains distills the top 10 lessons that moved SaaS companies from the $5M plateau to scaling past $50M. He reveals actionable frameworks, from cash flow management to 10x thinking, and gifts listeners a bundle of premium resources for each lesson—available for free until January 15. If you want a crash course on SaaS growth with practical, battle-tested playbooks, grab these notes and get ready to take action.Key Takeaways00:00 "Top 10 SaaS Growth Lessons"06:10 "Onboarding Framework: Activation to Advocacy"07:34 "Boosting SaaS Net Revenue Retention"10:42 "Transparent Resource Allocation Matters"16:07 "Winning Demos: Connection Over Features"16:54 "AI-Driven Sales Transformation"21:45 "People Strategy for Scaling Success"24:52 "Product-Led Growth Revolution"26:35 "PLG Strategies for Growth"32:53 "Master Storytelling for Greater Success"35:40 "10x Growth Strategy Insights"36:49 "10x Growth Frameworks & Tools"40:20 "Taskology: Productivity Made Simple"Tweetable Quotes“Cash is a fact; profit is an opinion.” — Jeff Mains, echoing Dan DeGolier“Great onboarding isn't just about retention—it's your highest-leverage revenue optimization.” — Jeff Mains“Your engineers aren't slow—they just lack a coherent prioritization framework.” — Jeff Mains, paraphrasing Thanos Diaconcas“Demos don't win on features. They win on human connection and business acumen.” — Jeff Mains“AI's highest value? Making your best people even better.” — Jeff Mains“People don't buy products—they buy transformations.” — Jeff Mains, drawing from David EbnerSaaS Leadership LessonsBe Brutally Honest About Your MetricsTrack cash (not just sales or profit) to survive and scale responsibly.Obsession Over OnboardingMake activation your primary revenue engine—not just an afterthought.Radical Transparency with PrioritizationUse visible, accountable buckets to guide resource allocation and eliminate blame games.Invest in People Before the PainProactively upgrade your leadership and plan succession—don't just react when you outgrow your team.Focus on Stories, Not SpecsYour narrative is your edge. People buy transformation, not just tools.Chase Multipliers, Not PercentagesPlan for 10x, not just 10%—and rethink everything needed for real step-change growth.Guest ResourcesDan DeGolier dan@ascentcfo.comascentcfo.comhttps://www.linkedin.com/in/degolier/Dan's Full Episode:https://championleadership.com/episode-257-dan-degolier-cash-flow-essentials-strategies-for-sustainable-growth/Srikrishnan Ganesansri@rocketlane.comhttps://www.rocketlane.com/https://www.linkedin.com/in/srikrishnangSri's Full Episode:

This could make you much wealthier in 2026—and all you need is around 30 minutes of free time. Throughout 2025, three days a week, we've interviewed some of the best and brightest real estate investors in the country. They've launched new strategies that have made them millions, shared tips that can turn any rental from a dud to a deal, and even explained their exact buy boxes and techniques for building wealth. Today, we've compiled some of the most valuable advice we've received in 2025 into a holiday gift for you.  We'll talk about the real financial freedom you receive as a real estate investor, how just one rental property (not dozens) can be enough to change your life, why the most successful investors tell everyone that they invest in real estate—and how it pays off, a new BRRRR strategy, and the best rental renovations with significant returns. Even against the mainstream narrative, real estate investors grew their wealth substantially in 2025. And 2026 could get even better… In This Episode We Cover Why financial freedom is not what you think it is (the truth) One rental property can change your entire life, and how a beginner investor replaced her salary with real estate in four years The unbelievable real estate deal this rookie got by telling everyone that she invests in real estate  The “slow BRRRR” method that makes you wealthy with way less stress The best rental renovations for $5,000 (or less) with up to a 300% return potential!  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1217 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Chicks on the Right Podcast, we sit down with Zach Abraham of Bulwark Capital Management to talk all things AI — from ChatGPT and Gemini to how AI is transforming finance, investing, and even healthcare. Zach shares how he's using AI to analyze stocks, research funds, and save hours of work, while discussing the limitations, risks, and security concerns that come with this rapidly evolving technology.We also dig into the big picture: should we embrace AI like the internet 25 years ago, or fear its potential? Tune in for a thought-provoking, funny, and practical conversation about the tools that are shaping our future — and how to use them to your advantage.Get back to basics with Bulwark's Know Your Risk Portfolio Review—don't put it off, go to https://KnowYourRiskPodcast.com today.Subscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore Info

Become the smartest money manager on the planet. Join Chip for his series, “The Genius of Generosity.”Four reasons it's genius to be generous:1. Generosity CHANGES our lives. -Acts 20:35; Pr. 11:252. Generosity CONNECTS us with others.3. Generosity helps us INVEST in what matters. -Mt. 6:19-244. Generosity FREES our hearts.Question: If generosity is so smart, why isn't everyone doing it?WEALTH is powerful and deceptive. -Mt. 13:22The lure of MAMMON worship. -Mt. 6:24It demands FAITH. -Mt. 6:19Temporal myopia. -Mt. 6:23Breakthrough Concept #1: Generosity is the gateway to intimacy with God.Three questions brilliant people ask1. Am I using the money entrusted to me in accordance with the OWNER'S wishes?2. Am I carefully keeping account of where all the OWNER'S funds are going?3. Am I becoming “best friends” with the “OWNER” by the privilege and opportunity of managing His resources?Broadcast ResourceSeries ResourcesMessage NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Due to year-end tax selling, small-cap stocks have historically outperformed in January and we will explain why the January Effect happens and highlight specific small-cap ETFs investors might want to consider buying before the calendar flips.Today's Stocks & Topics: Bristol-Myers Squibb Company (BMY), Market Wrap, Investible Assets, “Pre-Positioning for the “January Effect” (Small Caps)”, American Airlines Group Inc. (AAL), Steel Dynamics, Inc. (STLD), Mortgage Rates, Stock Screeners, Xylem Inc. (XYL), HCA Healthcare, Inc. (HCA), PayPal Holdings, Inc. (PYPL), Wall Street and Tariffs.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Send us a text!The Christmas Day Coronation of Kings, fighting the good fight with joy and mirth, laughing and singing in the midst of battle, and more on this episode of The Hard Men Podcast.If you're wondering what to get us for Christmas, a Hard Men Patreon membership for yourself would sure put a smile on our faces.Merry Christimas and Happy New Year!This episode's Headline Sponsor is: Lux Coffee Company; Caffeinating the New Christendom with artisan roast coffee. Get 15% off your coffee with code "NCP15". https://luxcoffee.co/Fuel your training with Mt. Athos — The path to peak performance.  https://athosperform.com/Be prepared. Be armored. Get your American-made body armor from Armored Republic at ArmoredRepublic.comTalk to Joe Garrisi about managing your wealth with Backwards Planning Financial. https://www.backwardsplanningfinancial.comVisit KeepwisePartners.com or call Derrick Taylor at 781-680-8000 to schedule a free consultation. https://keepwise.partners/Small batch, hand-poured candles. Welcome to the resistance. https://resistancecandles.com/Christian business owners go to http://reformedbusinessalliance.com/ncp and use code NCP to claim your free month.Invest in your business, your family, and your future. Go to http://appalachiadigital.com/ncp to book a strategy call.Our new books are now in stock and shipping. https://www.newchristendompress.com/bonifaceoption-revilingwives-15-offOur new books are now in stock and shipping. https://www.newchristendompress.com/bonifaceoption-revilingwives-15-offSupport the show

This episode features Dr. Felecia Froe as a guest on She Built It: Boss Lady Chronicles, hosted by Sherita Gaskins-Tillet, where she shares her powerful journey from practicing physician to real estate investor and founder of a women-centered wealth-building community. She opens up about burnout, fear, financial loss, and rebuilding from scratch - including losing everything during the financial crisis and starting again with intention, mentorship, and clarity.    This conversation reframes money as a tool for freedom, options, and impact, and invites women to rethink how wealth can support not just their lives, but their values and the communities they care about.   [00:00 – 06:30] From Medicine to the Question of "What's Next?" [06:31 – 13:45] Burnout, Fear, and the Cost of Staying Stuck [13:46 – 21:10] Discovering Wealth Beyond a Paycheck [21:11 – 29:30] Losing Everything and Choosing to Start Again [29:31 – 38:15] Control, Community, and a New Way to Invest [38:16 – 45:30] Wealth With Purpose: Social Impact & Women's Freedom  

In this episode, Warren Pies of 3Fourteen Research joins the show to discuss why disinflation and Goldilocks conditions persist into early 2026, and where the real risks may flip from cooling to overheating. We also explore his outlook on bonds, equities, commodities, and the policy trade-offs beneath a K-shaped economy. Enjoy! __ Follow Warren: https://x.com/WarrenPies  Follow Felix: https://x.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance  Follow Blockworks: https://twitter.com/Blockworks_  Forward Guidance Telegram: https://t.me/+CAoZQpC-i6BjYTEx  __ Grayscale offers more than 30 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. https://www.grayscale.com/?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-forwardguidance  — Timestamps: (00:00) Introduction (01:46) 2025 Wins & Misses (07:48) What Drives Rates In 2026 (13:00) Grayscale Ad (13:37) Inflation Deep Dive (18:47) Labor Market & Housing (22:59) The K-Shaped Fed Cycle (29:50) Grayscale Ad (30:37) Fed Balance Sheet (35:06) Active Treasury Issuance (37:46) Equities In 2026 (45:20) Commodities Heating Up (48:13) Final Thoughts __ Disclaimer: Nothing said on Forward Guidance is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed. #Macro #Investing #Markets #ForwardGuidance

We challenge your assumptions about stocks, property, economic growth and more, with ten facts that seem impossible—but aren't. Stocks beat cash, right? GDP growth helps returns, doesn't it? And war tanks the stock market... right? And in today's Dumb Question of the Week: What can Christmas Trees teach us about the futures market? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

As we close out the year and head into the holidays, we're revisiting some of the most impactful conversations from Wealthion in 2025. Whether you're watching for the first time or revisiting it with fresh perspective, we hope you enjoy. All the best for a happy, healthy, and prosperous New Year!

Send us a textStop Saying "Good Job"! 15 Professional Words for Career Success (IELTS Band 8+)Are you aiming for a high score in IELTS General or Academic? Or maybe you want to sound more professional at work? Stop saying "Good Job." Learn 15 professional words tailored for career success and business environments.

✨ Invest in your family relationships—not just another parenting course. Join The Amazing Parents Club for the complete 5 C's framework + community → https://www.drlindsayemmerson.com/club  In this video, I explain the critical mistake parents often make between ages 6–11 that determines whether their child hides struggles or turns to them for support during the teen years. Drawing on decades of research and my work with families, I show how tying love to performance creates anxiety and perfectionism, while unconditional positive regard builds trust, resilience, and open communication. You'll learn what unconditional acceptance looks like in everyday moments during failures, disappointments, and successes—and why becoming your child's safe place now shapes the relationship you'll have with them for life. New to my podcast?  I'm Dr. Lindsay Emmerson, a clinical psychologist and Mom of 4, and I help parents find that sweet spot between support and structure that psychology research tells us is best for families now and best for our kids in the future. ------------------------------------------- Let's connect! Instagram: https://www.instagram.com/drlindsayemmerson TikTok: https://www.tiktok.com/@drlindsayemmerson Facebook: https://www.facebook.com/@drlindsayemmerson ------------------------------------------- Disclaimer: The advice provided on my channel is different from therapy and does not substitute for professional psychological treatment or other types of professional advice or intervention.  Never disregard the advice of a medical professional or postpone seeking professional medical advice related to anything you hear on this channel.   If you or your child have concerns or need further parenting or personal support, please contact a physician or other qualified local health professional. #drlindsayemmerson #childdevelopment #parentingstrategies  00:00 – 0:42: Introduction   0:42 – 1:12: The Core Problem   1:12 – 1:56: What This Looks Like in Real Life   1:56 – 2:34: The Long‑Term Impact

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Want financial freedom and the joy of giving back? Join Chip's new series, "The Genius of Generosity," starting now!Four reasons it's genius to be generous:1. Generosity CHANGES our lives. -Acts 20:35; Pr. 11:252. Generosity CONNECTS us with others.3. Generosity helps us INVEST in what matters. -Mt. 6:19-244. Generosity FREES our hearts. Question: If generosity is so smart, why isn't everyone doing it?WEALTH is powerful and deceptive. -Mt. 13:22The lure of MAMMON worship. -Mt. 6:24It demands FAITH. -Mt. 6:19Temporal myopia. -Mt. 6:23Breakthrough Concept #1: Generosity is the gateway to intimacy with God.Three questions brilliant people ask1. Am I using the money entrusted to me in accordance with the OWNER'S wishes?2. Am I carefully keeping account of where all the OWNER'S funds are going?3. Am I becoming “best friends” with the “OWNER” by the privilege and opportunity of managing His resources?Broadcast ResourceSeries ResourcesMessage NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Active Management's Edge in Fixed IncomePassive bond funds are broken, and we expose why the current high-yield, high-volatility market is proving that active managers offer better risk mitigation and a measurable edge.Today's Stocks & Topics: Xylem Inc. (XYL), Market Wrap, Jacobs Solutions Inc. (J), AECOM (ACM), WEC Energy Group, Inc. (WEC), HP Inc. (HPQ), “Active Management's Edge in Fixed Income”, Cheniere Energy, Inc. (LNG), Biggest Market Developments in 2025, Hesai Group (HSAI), Cash Position, Consumer Staples Stocks.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Hi, and welcome to The Long View. I'm Dan Lefkovitz, strategist for Morningstar Indexes. In this episode, we'll share some of our favorite clips from 2025 interviews with portfolio managers, economists, and investment researchers. It's a companion to Christine Benz's “Best Of” episode featuring highlights from conversations with financial planners, advisors, and retirement researchers. We'll begin with some prescient words from Hendrik du Toit, co-founder of global investment manager, Ninety One, who spoke to Christine Benz and me at the start of the year from Cape Town, South Africa. Hendrik talked about the appeal of emerging-markets investments, both debt and equity, asset classes that went on to have good years in 2025.“Hendrik du Toit: ‘Small Things Can Make a Big Difference,'” The Long View podcast, Morningstar.com, Jan. 21, 2025.“Cliff Asness: ‘The Problem Was Never Beta. The Problem Was Paying Alpha Fees for Beta,'” The Long View podcast, Morningstar.com, July 29, 2025.“Vincent Montemaggiore: ‘The Two Best Defenses Against Tariffs Are a High-Gross Profit Margin and Pricing Power,'” The Long View podcast, Morningstar.com, April 15, 2025.“Louis-Vincent Gave: ‘The Future Is Being Built Over There,'” The Long View podcast, Morningstar.com, Feb. 25, 2025.“Jason Zweig: Revisiting ‘The Intelligent Investor,'” The Long View podcast, Morningstar.com, May 27, 2025.“Mike Pyle: Looking for Uncorrelated Sources of Return,” The Long View podcast, Morningstar.com, Oct. 14, 2025.“Neal Shearing: The World Isn't Deglobalizing; It's Fracturing,” The Long View podcast, Morningstar.com, Aug. 26, 2025.“Sudarshan Murthy: ‘These Countries Are in Much Better Shape Than They Were 10 Years Back,'” The Long View podcast, Morningstar.com, March 25, 2025.“Joe Davis: How to Capitalize on ‘Megatrends,'” The Long View podcast, Morningstar.com, Sept. 2, 2025.“Callie Cox: A Student Teacher of Financial Markets,” The Long View podcast, Morningstar.com, Nov. 11, 2025.“Brian Selmo: ‘Winning by Not Losing,'” The Long View podcast, Morningstar.com, July 15, 2025.“Daniel Rasmussen: ‘Be Very Wary of Illiquid Asset Classes,'” The Long View podcast, Morningstar.com, May 6, 2025.“Eric Jacobson: The Entire Face of the Bond Market Has Changed,” The Long View podcast, Morningstar.com, Nov. 25, 2025.“Barry Ritholtz: ‘How Not to Invest,'” The Long View podcast, Morningstar.com, Oct. 7, 2025.“John Rekenthaler: ‘The House Is With You When You're Investing,'” The Long View podcast, Morningstar.com, Jan. 28, 2025. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coin Stories, Natalie Brunell and Strategy CEO Phong Le discuss why Bitcoin adoption is accelerating, even as market sentiment turns cautious. Phong explains how Strategy thinks about long-term fundamentals, stable yield above inflation, and why access to sound money should be available to everyone. Topics include: Strategy's "USD reserve" and addressing the FUD around dividend payments Why Bitcoin fundamentals matter more than short-term price action STRC: A 10.75% yielding "bank account" product: what it is and who it's for Banks coming into Bitcoin: custody, services, and why legacy finance is moving in now Phong Le's refugee-to-CEO story — and how that shapes his view of money, freedom, and resilience Follow Phong Le and Strategy on X at https://x.com/Strategy  ---- 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  ---- Coin Stories is powered by Bitwise. Bitwise has over $10B in client assets, 32 investment products, and a team of 100+ employees across the U.S. and Europe, all solely focused on Bitcoin and digital assets since 2017. Learn more at https://www.bitwiseinvestments.com  ---- 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  ---- Natalie's Bitcoin Product and Event Links: 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  Genius Group (NYSE: $GNS) is building a 10,000 BTC treasury and educating the world through the Genius Academy. Check out *free* courses from Saifedean Ammous and myself at https://www.geniusgroup.ai 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  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=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26  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

92.3 The Fan's own, Daryl Ruiter, join Ken Carman and Anthony Lima to talk Browns. They get into Shedeur Sanders' postgame press conference, Myles Garrett and the sack record and more.

Jamie Leverton, CEO of ReserveOne, joined me to discuss how the firm is taking a unique approach to their digital asset treasury which includes Bitcoin, Ethereum, Solana, Cardano, and XRP. Topics:- Crypto asset diversification- Yield generation - Staking, Lending, & Venture allocation- Staking rewards strategy- Tokenization market- Crypto needs the Clarity Act to pass- Crypto market outlook

Crypto 2026 prediction - what will happen with Bitcoin and Altcoins in the new year? Brought to you by

Zach Pandl, Head of Research at Grayscale Investments, joined me to discuss the firms new altcoin ETFs which includes Chainlink, XRP, and Dogecoin.Topics: - Grayscale's new ETFs - Filing for Zcash ETF - Grayscale IPO - Crypto market outlook Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

In this episode of the Real Estate Pros Podcast, host Michelle Kesil sits down with Brett Bowman, Co-Founder and CEO of Suncrest Capital, to discuss his journey into mobile home park and long-term RV park investing. Brett shares how he transitioned from single-family rentals into this niche asset class, the benefits of mobile home park investments—including lower entry costs and recession resistance—and the operational challenges involved in managing tenant- and park-owned homes.The conversation also dives into Brett's broader investment philosophy, highlighting the importance of building reliable local teams, creating strong operating systems, and fostering transparent relationships with investors. He emphasizes education, mentorship, and "failing forward" as key components of sustainable business growth in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Marquett Burton is building a Training Center to be catalyst for global revolution. Support Via Cashapp: @MarquettDavonSupport via Venmo: @MarquettDavonSupport: https://donate.stripe.com/4gM9ATgXFcRx5Tf4rw0x200Become a member: https://thesasn.com/membership-account/membership-levels/Support with Bitcoin: BTC Deposit address: 3NtpN3eGwcmAgq1AYJsp7aV7QzQDeE9uwdMy Book: https://www.amazon.com/Black-Box-Marquett-Burton/dp/0578745062https://www.gofundme.com/f/support-marquett-burtons-training-centerBook Consultation: https://cozycal.com/sasn#Marquettism #FinancialFreedom #Entrepreneurship #Marquettdavon #Wealth #FoundationalBlackAmerican #Leadership #Deen #business #relationships #money

The holiday season can bring with it many surprises, some of which might come in the form of a holiday bonus. If you got a bonus or are expecting a bonus this time of year, hold off on spending it all right away, because there are a few ways to maximize that cash for some great financial benefits.   Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   A holiday bonus can feel like a windfall—a chance to splurge on gifts, vacations, or luxury items. But before you spend it all, consider this: that extra cash could be the key to building financial security and achieving your long-term goals. Here are five smart strategies to make your holiday bonus work for you.  1. Pay Down High-Interest Debt Credit card balances, personal loans, and even student loans all carry interest rates that can drain finances over time. If you're looking to improve your financial health and free up future income, consider using your bonus, or a portion of it, to pay down some of that debt.  Reducing debt not only lowers your monthly obligations but also improves your credit score and financial flexibility.  Unsure which debt to pay first? Start with the highest-interest debt first for maximum savings. If you have student loans, consider applying extra payments toward those not eligible for forgiveness programs. Even a small lump-sum payment can significantly reduce the total interest you'll pay over the life of the loan.  2. Build or Boost Your Emergency Fund Life is unpredictable—medical bills, car repairs, or sudden job changes can happen anytime, and without a safety net, these surprises can lead to financial stress or debt. An emergency fund acts as a financial cushion, giving you peace of mind and stability when life throws curveballs. Experts recommend saving at least three to six months of living expenses in a separate, easily accessible savings account. This ensures you can cover essentials like housing, utilities, groceries, and transportation without relying on credit cards or loans. This is another great way to use some or all of that bonus money.   3. Invest in Retirement Accounts Your bonus can be a powerful tool to accelerate your retirement savings. Contributing to accounts like a 401(k), IRA, or Roth IRA not only helps secure your financial future but can also offers valuable tax advantages. The earlier you invest, the more you benefit from compound growth—your money earns interest, and that interest earns interest over time.   Look at your retirement contributions and if you haven't maxed them out yet, consider putting a portion or all of your bonus money into your retirement account. Even small, consistent investments can grow significantly over decades, thanks to compounding. And remember—prioritizing retirement savings now means more flexibility and security later.  4. Fund Short-Term Goals Dreaming of a vacation, a home upgrade, or another big-ticket item? Your bonus can help you achieve these goals without relying on credit cards or loans. Using cash instead of borrowing keeps you out of debt and saves you from paying interest later. Start by identifying your top personal goal—whether it's a family trip, a kitchen remodel, or a new tech gadget—and estimate the total cost. Then, earmark a portion of your bonus specifically for that purpose. This approach allows you to enjoy life's luxuries guilt-free while staying financially responsible.  5. Treat Yourself or Others Being thoughtful about how to spend your bonus doesn't mean cutting out all enjoyment for yourself. If you're already a budgeting pro and have all the prior items I mentioned covered, then by all means, celebrate this time of year and feel free to use that bonus to get yourself or your family something special. After all, using it to celebrate yourself, your family, or those close to you can bring forth returns in other ways. Treating yourself can provide returns of self-satisfaction, care and personal healing while treating others can build bonds and create memories that'll last for years to come.   If you have other tips or topics you want us to talk about, email us at tcupodcast@trianglecu.org. Don't forget to like and follow our Making Money Personal Facebook page, and check out our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. Have a great day!

In this episode of Food Safety Matters, we discuss the top food safety stories of 2025 and their implications. We cover: The Trump Administration's impact on federal agencies overseeing food safety [7:52]: FDA, CDC Ordered to Temporarily Pause All External Communications, Obtain Trump Admin Approval RFK Jr. Confirmed as HHS Secretary; Widespread Firings Coming to FDA, CDC USDA Inspector General Phyllis Fong Dismissed by Trump Administration Brooke Rollins Confirmed as Secretary of Agriculture, Cites 'Aggressive Plan' to Eliminate USDA Jobs FDA Leader Jim Jones Resigns After 89 'Indiscriminate' Firings in Human Foods Program Attorney Kyle Diamantas Expected to Replace Jim Jones as FDA Deputy Commissioner of Human Foods FDA Spending Freeze Leaves Staffers Feeling 'Dangerously Unprepared' for Next Foodborne Illness Outbreak Federal Workforce Data Reveal Impact of Trump Admin RIFs on USDA Food Safety Expertise More Than 15,000 USDA Employees Take Trump Administration's Resignation Offer  FDA Suspends Milk Quality Testing Amid Health and Human Services Cuts Entire Departments of CDC Outbreak Experts Fired, Rehired During Shutdown RIFs FDA Reportedly Reinstating Some Fired Food Safety Scientists, Inspection Support Staff Government Shutdown Affects Food Safety: HHS Furloughs Employees, FDA Pauses CORE Investigation Table Ep. 196. Dr. Lane Highbarger: How the FDA Workforce Cuts May Impact Food Safety Dozens of Prominent Food Safety Stakeholders Call for Reinstatement of NACMCF and NACMPI USDA Withdraws Proposed Regulatory Framework for Salmonella in Poultry After Years of Development USDA Indefinitely Delays Enforcement of Salmonella as Adulterant in Raw Breaded, Stuffed Chicken  CDC Slashes FoodNet Surveillance From Eight Foodborne Pathogens to Two Public Health Professionals, Groups Demand Resignation of HHS Secretary RFK Jr.  Trump-Appointed CDC Director Dr. Susan Monarez Fired After Clashes With Secretary Kennedy RFK Jr.'s Second in Command Named CDC Acting Director Following Sudden Firing Federal Layoffs to Hit HHS Amid Government Shutdown, May Affect Food Safety Staffers FDA Delays FSMA 204 Traceability Rule Compliance Date by 30 Months States and the "Make America Healthy Again" (MAHA) movement declare war on "toxic" food chemicals and ultra-processed foods (UPFs) [27:52]: FDA Announces Plan to Phase Out Synthetic, Petroleum-Based Food Dyes From U.S. Food Supply Bonus Episode: Diamantas and Choiniere: FDA Focuses on Produce Safety, MAHA, Culture, and More MAHA Report Sets Stage for Overhaul of Food Chemicals, Environmental Contaminants, and Childhood Nutrition What the Final MAHA Report Could Mean for Food Safety FDA Announces 'Proactive' Post-Market Chemical Review Program to Keep Food Supply Safe FDA Adds Six Artificial Food Dyes to List of Chemicals Under Post-Market Review FDA to Issue Proposed Rule Tightening GRAS Oversight FDA's Developing Rule to Tighten GRAS Oversight Moves to White House FDA, USDA Issue Joint RFI to Address the Risks of Ultra-Processed Foods  California Enacts Law Defining Ultra-Processed Foods, Will Ban UPFs in Schools  Food Industry Stakeholders Share Input on FDA, USDA's Intent to Define UPFs MAHA Pushback Kills 'Big Food'-Aligned Legislative Effort to Stop State Food Laws Industry Giants Support New Coalition Aimed at Stopping MAHA-Aligned State Food Additive Bans More Than 80 Groups Urge Congress Not to Block State Food Additives Bans Ep. 187. Rainer and Coneski: Evolving Legislation Around Food Packaging Chemicals and Additives—Implications for Industry Ep. 199. George Misko: The Future of Food Regulation Under MAHA Ep. 162. Brian Sylvester: How the California Food Safety Act is Shaping U.S. Food Additives Regulation Ep. 207. Brian Sylvester: Preparing for 'MAHA'-Driven Policy Changes on Food Dyes, UPFs, GRAS FDA's focus on infant formula safety and the infant botulism outbreak linked to ByHeart formula [57:44]: FDA Publishes Long-Term Strategy to Increase Resiliency of U.S. Infant Formula Market FDA Launches 'Operation Stork Speed' to Improve Infant Formula Safety, Including Contaminant Testing Infants Nationwide Hospitalized With Botulism After Consuming ByHeart Formula ByHeart Outbreak Grows: 31 Infants in 15 States Hospitalized for Botulism From Tainted Formula Infant Botulism Spike Exceeds 100 Cases, Extent of ByHeart's Involvement Unclear A History of Food Safety Failures at ByHeart, the Formula Company Behind Infant Botulism Outbreak  ByHeart Finds Widespread Contamination in Infant Formula as Botulism Outbreak Grows; FDA Publishes Inspection Reports Coalition Urges RFK Jr. to Fix Infant Formula Oversight Problems that Allowed Infant Botulism Outbreak FDA Urges Industry to Improve Recall Efficiency After Delay in Removing ByHeart Formula from Stores Emerging science on Listeria monocytogenes and biofilms [1:08:26]: Study Shows Water Hoses as Reservoirs for Biofilms in Food Processing Facilities Study Demonstrates Listeria's Ability to Colonize, Survive in Preexisting Multispecies Biofilms First-of-its-Kind Study Shows How Listeria Strains Evolve Into Strong Biofilm Formers Study Explores Sanitizer Limitations Against Listeria Biofilms in Leafy Greens Production Listeria From Multispecies Biofilms More Prone to Growth in RTE Foods, Study Shows Study Shows Combining Antimicrobial Blue Light and Chemical Sanitizers Can Enhance Listeria Inactivation FAO/WHO Developing Risk Assessment Models for Listeria in Four Food Commodity Groups The ongoing Highly Pathogenic Avian Influenza H5N1 (HPAI H5N1) outbreak in U.S. dairy cattle and poultry flocks and continued monitoring to ensure food safety [1:14:09]: California Declares State of Emergency Over HPAI H5N1 Outbreak in Dairy Cows  USDA Begins Five-Part National Milk Testing Strategy for HPAI H5N1  USDA Extends H5N1 Testing in Dairy Cattle; EU Releases Guidance on Avian Flu Prevention CDC: Avoid Consuming Raw Milk, as Risk of Bird Flu Infection is Low but Possible FDA-Backed Study Shows Aging Raw Milk Cheese Does Not Inactivate Avian Flu, but Low pH Helps Study Shows Avian Flu Does Not Pose Food Safety Risk in Various Pasteurized Dairy Products  USDA to Invest in Farm Biosecurity, Chicken Vaccinations to Combat Avian Influenza Study Shows Acidification is Inexpensive, Easy Way to Inactivate Bird Flu in Raw Waste Milk FDA Now Requires Raw Pet Food Manufacturers to Consider HPAI in Food Safety Plans  House Cat Dies After Eating Raw Pet Food Contaminated With HPAI H5N1 FDA-Backed Study Shows Aging Raw Milk Cheese Does Not Inactivate Avian Flu, but Low pH Helps H5N1 and the Growing Risk to Food Safety—Why Raw Milk Requires Special Attention FDA Begins Testing Assignment for HPAI H5N1 in Aged Raw Cow Milk Cheese  FAO Encourages All Countries to Monitor for HPAI H5N1 Spread to Cattle  Dutch Field Studies Show Promise for Two Experimental Avian Flu H5N1 Vaccines  Federal Workforce Data Reveal Impact of Trump Admin RIFs on USDA Food Safety Expertise Growing artificial intelligence (AI) applications for food safety [1:17:57]: FAO Report Highlights Needs for Responsible AI Adoption in Food Safety Fields FDA Announces Completion of First AI-Assisted Scientific Review Pilot and Agency-Wide AI Rollout Timeline Using AI, Researchers Offer Promising Real-Time Mycotoxin Detection Method for Foods Big Data, AI, and the Coming Philosophical Challenges with Food Safety Welcome to the Machine: AI and Potential Implications for the Food Industry Ep. 193. Christian Ararat: A Global Perspective on Auditing, Certifications, AI, and Beyond  Ep. 205. Black and Gabor: Digital Transformation and Emerging International Standards for Food Safety We Want to Hear from You! Please send us your questions and suggestions to podcast@food-safety.com

Think you need a fortune to make a fortune? Think again.  Rob pulls back the curtain on the "Save, Invest, Multiply" strategy that turns modest savings into a financial empire. From the hidden power of silver to the million-dollar potential of information-based businesses, this episode reveals the high-stakes secrets the banks don't want you to know! BEST MOMENTS "I remember looking at Ferrari 355 Spiders for 30 grand. Now they're 90 grand... you're never going to get one for 30 grand ever again." "Information doesn't need premises, loans, stock, or overhead... you could turn $100 into a million dollars." "Invest for freedom, choice, and profit—because if you don't risk anything, you risk everything." Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

In this episode of "It's the Bottom Line That Matters," Jennifer Glass sits down with Daniel McCraine and Patricia Reszetylo to tackle a topic every entrepreneur and professional faces: the value of paid versus free events. The trio explores how the cost of attending—whether it's free or requires investment—impacts both mindset and outcomes for business networking, learning, and growth. They share personal experiences, debate the merits of barrier-to-entry pricing, and discuss how prioritizing time and seeking out the right audience can shape event choices.Listeners will gain fresh insights on what to consider before committing their time and money to any event. The episode dives deep into the psychology of event attendance, why some people gravitate toward free opportunities, and how VIP upgrades can help you connect with others who are equally driven. Whether you're looking to maximize connections or evaluating which conferences are worth your resources, the conversation encourages professionals to think strategically about where—and with whom—they spend their most valuable asset: time.Keywords: events, free events, paid events, networking events, business programs, event attendance, time value, money value, resource triangle, partnerships, relationships, speaking engagements, banks, flyer, cost to attend, time commitment, minimum wage, VIP upgrade, networking, education, connections, mindset, evaluating events, audience, barrier to entry, investing, stage host, chamber events, local events, suggested donation, long-term relationships, successHere are 3 key takeaways for anyone deciding which events to attend (or host!):

✔️ Hopium: OG's Stopped Dumping?, Bitcoin's Adoption Path, Holder Momentum, ✔️ Ghana Bitcoin ✔️ JPM bitcoin and crypto trading ✔️ Bitcoin mining snow melt system✔️ Sources:► https://x.com/frankafetter/status/2002006612807131470?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/fiatarchive/status/2002302956058853401?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/frankafetter/status/2002404892971847842?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/cointelegraph/status/2002197353927774544?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/2002423755340185959?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/documentingbtc/status/2002740348700053667?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinmagazine/status/2003064331773329744?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://www.ghanaweb.com/GhanaHomePage/business/BoG-confirms-cryptocurrency-trading-now-legal-in-Ghana-2014851► https://www.ghanaweb.com/GhanaHomePage/business/BoG-Governor-stresses-safeguarding-and-modernisation-of-Ghana-s-currency-2009989► https://finance.yahoo.com/news/wall-street-giant-jpmorgan-quietly-190649249.html✔️ Check out Our Bitcoin Only Sponsors!► https://archemp.co/Discover the pinnacle of precision engineering. Our very first product, the bitcoin logo wall clock, is meticulously machined in Maine from a solid block of aerospace-grade aluminum, ensuring unparalleled durability and performance. We don't compromise on quality – no castings, just solid, high-grade material. Our state-of-the-art CNC machining center achieves tolerances of 1/1000th of an inch, guaranteeing a perfect fit and finish every time. Invest in a product built to last, with the exacting standards you deserve.► Join Our telegram: https://t.me/theplebunderground#Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoinsThe information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.

Ser Ulric, Coinicarus and HumbleWarrior are back with this weeks Bitcoin tonight, join us for our Christmas Special✔️ ► TOPICS FOR DEC 22th BITCOIN TONIGHT✔️ Sen. Cynthia Lummis announces retirement from Senate ► https://www.nbcnews.com/politics/2026-election/wyoming-gop-sen-cynthia-lummis-wont-seek-re-election-rcna250147✔️ SEC Chair Crypto Comments► https://www.theblock.co/post/382624/sec-chair-atkins-says-crypto-could-become-powerful-financial-surveillance-tool-sees-path-forward-without-giving-up-privacy✔️ Trump Asked to Pardon Samourai Co-Founder► https://x.com/TFTC21/status/2000681150373851614► https://x.com/i/status/2001045737103044823✔️ Quantum Fud Countered► https://x.com/w_s_bitcoin/status/2001327477780811966?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/Cipherhoodlum/status/2001373905647251892► https://x.com/Pledditor/status/2001896737775194208✔️ Supply Shock Lies Exposed► https://x.com/SaniExp/status/2001298930982703127✔️ Bitcoin Fixes Groceries:► https://x.com/bitcoinnewscom/status/2001670937620381860?s=52&t=CKH2brGypO5fEYTgQ-EFhQ✔️ AI Investor Duped by AI:► https://x.com/i/status/2001601824432796049✔️ Bent Counters Gromens Bearish Stance:► https://x.com/tftc21/status/2001668791365963828?s=52&t=CKH2brGypO5fEYTgQ-EFhQ✔️ Japanese Yen Weakens on Moderate Dovish Comments Amidst BOJ Hike► https://www.forex.com/en-us/news-and-analysis/japanese-yen-weakens-despite-boj-hike-to-3-decade-high/✔️ Check out Our Bitcoin Only Sponsors!► https://archemp.co/Discover the pinnacle of precision engineering. Our very first product, the bitcoin logo wall clock, is meticulously machined in Maine from a solid block of aerospace-grade aluminum, ensuring unparalleled durability and performance. We don't compromise on quality – no castings, just solid, high-grade material. Our state-of-the-art CNC machining center achieves tolerances of 1/1000th of an inch, guaranteeing a perfect fit and finish every time. Invest in a product built to last, with the exacting standards you deserve.► Join Our telegram: https://t.me/theplebunderground#Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoins The information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:11   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. 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 one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, 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 Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

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