Podcasts about invest

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Tonya Edmonds (Founder, Smart Growth AI) 1. Purpose of the Interview The purpose of the interview is to educate, motivate, and equip listeners—especially professionals, entrepreneurs, and women—with: A practical understanding of artificial intelligence (AI) without technical intimidation Strategies to reclaim time, increase productivity, and future‑proof careers Lessons on wealth building, including multiple streams of income and investing The importance of mentorship, partnerships, and adaptability Real-world insights from Tonya’s entrepreneurial and corporate journey At its core, the conversation connects AI adoption with financial empowerment, career resilience, and modern entrepreneurship. 2. Interview Overview Tonya Edmonds shares her transition from corporate roles (including work at Johnson & Johnson) to founding Smart Growth AI, a consulting and training firm that helps busy professionals and entrepreneurs reclaim 10+ hours per week by implementing practical AI systems. Rushion McDonald frames the discussion around: Technology adoption Financial literacy Entrepreneurship Personal resilience Long-term thinking in a rapidly changing economy 3. Key Takeaways A. AI Is a People Challenge, Not a Technology Problem Tonya explains that resistance to AI is driven by fear, not complexity. Employees worry AI will replace them, so leaders must reframe it as a co-creator and productivity partner, not a job threat. AI succeeds when people understand how it elevates their role instead of eliminating it. B. AI Is About Time Leverage, Not Working More Smart Growth AI focuses on helping clients: Automate repetitive tasks Improve workflows Regain lost hours Redirect time toward strategy, creativity, and rest Tonya warns against burnout, emphasizing that reclaimed time should be used intentionally—not just to take on more work. C. Multiple Streams of Income Build Stability A casual cookout conversation introduced Tonya to the idea of wealth-building beyond employment. Playing Robert Kiyosaki’s Cashflow Quadrant helped her understand: Being an employee alone limits wealth creation Leveraging money and assets creates freedom Community and shared learning accelerate growth This mindset later helped her navigate layoffs, entrepreneurship, and motherhood. D. Mentorship Is a Critical Success Factor Tonya repeatedly highlights mentorship as a defining difference between struggle and progress: The lack of mentorship contributed to challenges with her day spa business Strong mentorship later helped her pivot, recover, and scale Her relationship with Alicia Lyttle (“The Queen of AI”) accelerated her expertise and credibility Mastermind groups and strategic partnerships played a key role in expansion. E. Women Must Shift from Spending to Investing Tonya offers direct advice to women: Start small and stay consistent Invest only in things you understand—or get educated Consider real estate, passive investments, and partnerships Use tools like self-directed IRAs or rolled-over 401(k)s to build wealth Progress matters more than perfection. F. Learning AI Is Career Insurance Tonya encourages professionals to: Learn AI on their own time if necessary Experiment hands-on, not just consume content Become the AI “go‑to” person at work Increase job security by increasing relevance Early adopters gain disproportionate advantage. G. No Single AI Tool Does Everything Best She explains how different tools serve different purposes: ChatGPT – brainstorming and idea generation Claude – deeper, more refined writing Perplexity – research Gemini – graphics and video Copilot – integrated enterprise workflows Her advice: use multiple tools strategically. H. Privacy and Security Matter Tonya stresses AI safety best practices: Turn off model-training permissions Never input personal or client-identifying data Use placeholder names (e.g., “Company X”) Treat AI tools as public spaces unless secured 4. Notable Quotes On AI Adoption “It’s not a technology problem—it’s a people problem.” On Fear of AI “You’re asking people to train a tool they think could replace them.” On Time Freedom “If you learn AI, it will help you leverage your time—but don’t use that time to burn yourself out.” On Wealth Building “You can’t really get ahead just being an employee. You have to leverage your money.” On Mentorship “You have to be careful who you plant seeds with—because they can come back and help you.” On Women and Investing “Even if it’s just $100 a week or $100 a month, every little bit counts.” On Learning AI “Don’t just listen—open up your laptop and start playing with it.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Tonya Edmonds (Founder, Smart Growth AI) 1. Purpose of the Interview The purpose of the interview is to educate, motivate, and equip listeners—especially professionals, entrepreneurs, and women—with: A practical understanding of artificial intelligence (AI) without technical intimidation Strategies to reclaim time, increase productivity, and future‑proof careers Lessons on wealth building, including multiple streams of income and investing The importance of mentorship, partnerships, and adaptability Real-world insights from Tonya’s entrepreneurial and corporate journey At its core, the conversation connects AI adoption with financial empowerment, career resilience, and modern entrepreneurship. 2. Interview Overview Tonya Edmonds shares her transition from corporate roles (including work at Johnson & Johnson) to founding Smart Growth AI, a consulting and training firm that helps busy professionals and entrepreneurs reclaim 10+ hours per week by implementing practical AI systems. Rushion McDonald frames the discussion around: Technology adoption Financial literacy Entrepreneurship Personal resilience Long-term thinking in a rapidly changing economy 3. Key Takeaways A. AI Is a People Challenge, Not a Technology Problem Tonya explains that resistance to AI is driven by fear, not complexity. Employees worry AI will replace them, so leaders must reframe it as a co-creator and productivity partner, not a job threat. AI succeeds when people understand how it elevates their role instead of eliminating it. B. AI Is About Time Leverage, Not Working More Smart Growth AI focuses on helping clients: Automate repetitive tasks Improve workflows Regain lost hours Redirect time toward strategy, creativity, and rest Tonya warns against burnout, emphasizing that reclaimed time should be used intentionally—not just to take on more work. C. Multiple Streams of Income Build Stability A casual cookout conversation introduced Tonya to the idea of wealth-building beyond employment. Playing Robert Kiyosaki’s Cashflow Quadrant helped her understand: Being an employee alone limits wealth creation Leveraging money and assets creates freedom Community and shared learning accelerate growth This mindset later helped her navigate layoffs, entrepreneurship, and motherhood. D. Mentorship Is a Critical Success Factor Tonya repeatedly highlights mentorship as a defining difference between struggle and progress: The lack of mentorship contributed to challenges with her day spa business Strong mentorship later helped her pivot, recover, and scale Her relationship with Alicia Lyttle (“The Queen of AI”) accelerated her expertise and credibility Mastermind groups and strategic partnerships played a key role in expansion. E. Women Must Shift from Spending to Investing Tonya offers direct advice to women: Start small and stay consistent Invest only in things you understand—or get educated Consider real estate, passive investments, and partnerships Use tools like self-directed IRAs or rolled-over 401(k)s to build wealth Progress matters more than perfection. F. Learning AI Is Career Insurance Tonya encourages professionals to: Learn AI on their own time if necessary Experiment hands-on, not just consume content Become the AI “go‑to” person at work Increase job security by increasing relevance Early adopters gain disproportionate advantage. G. No Single AI Tool Does Everything Best She explains how different tools serve different purposes: ChatGPT – brainstorming and idea generation Claude – deeper, more refined writing Perplexity – research Gemini – graphics and video Copilot – integrated enterprise workflows Her advice: use multiple tools strategically. H. Privacy and Security Matter Tonya stresses AI safety best practices: Turn off model-training permissions Never input personal or client-identifying data Use placeholder names (e.g., “Company X”) Treat AI tools as public spaces unless secured 4. Notable Quotes On AI Adoption “It’s not a technology problem—it’s a people problem.” On Fear of AI “You’re asking people to train a tool they think could replace them.” On Time Freedom “If you learn AI, it will help you leverage your time—but don’t use that time to burn yourself out.” On Wealth Building “You can’t really get ahead just being an employee. You have to leverage your money.” On Mentorship “You have to be careful who you plant seeds with—because they can come back and help you.” On Women and Investing “Even if it’s just $100 a week or $100 a month, every little bit counts.” On Learning AI “Don’t just listen—open up your laptop and start playing with it.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

In this episode of the Earn & Invest podcast, host Doc G explores the concept of abundance, arguing that it is entirely a mindset and a deliberate decision rather than a reflection of material wealth or bank account balances Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Tonya Edmonds (Founder, Smart Growth AI) 1. Purpose of the Interview The purpose of the interview is to educate, motivate, and equip listeners—especially professionals, entrepreneurs, and women—with: A practical understanding of artificial intelligence (AI) without technical intimidation Strategies to reclaim time, increase productivity, and future‑proof careers Lessons on wealth building, including multiple streams of income and investing The importance of mentorship, partnerships, and adaptability Real-world insights from Tonya’s entrepreneurial and corporate journey At its core, the conversation connects AI adoption with financial empowerment, career resilience, and modern entrepreneurship. 2. Interview Overview Tonya Edmonds shares her transition from corporate roles (including work at Johnson & Johnson) to founding Smart Growth AI, a consulting and training firm that helps busy professionals and entrepreneurs reclaim 10+ hours per week by implementing practical AI systems. Rushion McDonald frames the discussion around: Technology adoption Financial literacy Entrepreneurship Personal resilience Long-term thinking in a rapidly changing economy 3. Key Takeaways A. AI Is a People Challenge, Not a Technology Problem Tonya explains that resistance to AI is driven by fear, not complexity. Employees worry AI will replace them, so leaders must reframe it as a co-creator and productivity partner, not a job threat. AI succeeds when people understand how it elevates their role instead of eliminating it. B. AI Is About Time Leverage, Not Working More Smart Growth AI focuses on helping clients: Automate repetitive tasks Improve workflows Regain lost hours Redirect time toward strategy, creativity, and rest Tonya warns against burnout, emphasizing that reclaimed time should be used intentionally—not just to take on more work. C. Multiple Streams of Income Build Stability A casual cookout conversation introduced Tonya to the idea of wealth-building beyond employment. Playing Robert Kiyosaki’s Cashflow Quadrant helped her understand: Being an employee alone limits wealth creation Leveraging money and assets creates freedom Community and shared learning accelerate growth This mindset later helped her navigate layoffs, entrepreneurship, and motherhood. D. Mentorship Is a Critical Success Factor Tonya repeatedly highlights mentorship as a defining difference between struggle and progress: The lack of mentorship contributed to challenges with her day spa business Strong mentorship later helped her pivot, recover, and scale Her relationship with Alicia Lyttle (“The Queen of AI”) accelerated her expertise and credibility Mastermind groups and strategic partnerships played a key role in expansion. E. Women Must Shift from Spending to Investing Tonya offers direct advice to women: Start small and stay consistent Invest only in things you understand—or get educated Consider real estate, passive investments, and partnerships Use tools like self-directed IRAs or rolled-over 401(k)s to build wealth Progress matters more than perfection. F. Learning AI Is Career Insurance Tonya encourages professionals to: Learn AI on their own time if necessary Experiment hands-on, not just consume content Become the AI “go‑to” person at work Increase job security by increasing relevance Early adopters gain disproportionate advantage. G. No Single AI Tool Does Everything Best She explains how different tools serve different purposes: ChatGPT – brainstorming and idea generation Claude – deeper, more refined writing Perplexity – research Gemini – graphics and video Copilot – integrated enterprise workflows Her advice: use multiple tools strategically. H. Privacy and Security Matter Tonya stresses AI safety best practices: Turn off model-training permissions Never input personal or client-identifying data Use placeholder names (e.g., “Company X”) Treat AI tools as public spaces unless secured 4. Notable Quotes On AI Adoption “It’s not a technology problem—it’s a people problem.” On Fear of AI “You’re asking people to train a tool they think could replace them.” On Time Freedom “If you learn AI, it will help you leverage your time—but don’t use that time to burn yourself out.” On Wealth Building “You can’t really get ahead just being an employee. You have to leverage your money.” On Mentorship “You have to be careful who you plant seeds with—because they can come back and help you.” On Women and Investing “Even if it’s just $100 a week or $100 a month, every little bit counts.” On Learning AI “Don’t just listen—open up your laptop and start playing with it.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley Joi Boyd. Interview Purpose The purpose of this interview is to explore the intersection of creativity, financial literacy, ownership, and personal resilience, using Ashley Joi Boyd’s journey as a Grammy‑nominated songwriter, music publisher, real estate developer, and author as a powerful case study. Through honest conversation, Ashley reframes success in the entertainment industry beyond fame and hits, emphasizing business ownership, financial education, mindset, and long‑term wealth building. The interview also serves as an empowerment message—particularly for women—demonstrating that financial setbacks, including bankruptcy, can become turning points rather than permanent barriers. Major Themes & Key Takeaways 1. Songwriting Is the Heart—and the Business—of Music Ashley explains that songwriting is not just creativity; it is the foundation of lasting success in the music industry. While artists may earn from performances, writers and publishers earn from ownership, collecting royalties every time a song is played, streamed, or used globally. Key takeaway: Creativity generates income, but ownership generates wealth. 2. Publishing Is Where the Real Money Lives Ashley highlights that music publishing—not performing—is the most lucrative side of the industry. By owning her publishing company, she positioned herself to earn long‑term, recurring income rather than relying on one‑time payments or constant touring. Key takeaway: Understanding back‑end revenue streams is critical in any industry. 3. Business Knowledge Creates Leverage Raised in an entertainment household, Ashley learned early the importance of understanding contracts, rights, and percentages. She famously walked away from a publishing deal that demanded 75% ownership—choosing long‑term control over short‑term opportunity. Key takeaway: Walking away from the wrong deal can be the right decision. 4. Opportunity Meets Preparation Ashley’s collaboration on Justin Bieber’s hit “Yummy” did not happen overnight. It was the result of years of preparation, proven skill, respect for her craft, and being ready when the door opened. Key takeaway: Access opens doors, but preparation determines what happens next. 5. Financial Collapse Can Become Financial Education Ashley openly discusses filing for bankruptcy after the 2008 housing crash—a moment she describes as devastating but transformative. With no guidance at the time, she was forced to learn money management the hard way, reshaping her relationship with credit, debt, and planning. Key takeaway: Bankruptcy is not the end—it can be the beginning of financial mastery. 6. Financial Literacy Is Often Untaught—but Essential Ashley stresses that many people, especially women, are never taught how to manage money, credit, or wealth. This gap inspired her book Financially Fly: Mastering Money and Wealth for Women, written to create a safe, honest space for financial conversations. Key takeaway: Making money is not the same as knowing how to keep or grow it. 7. Wealth Is About Structure, Not Just Cash In defining generational wealth, Ashley emphasizes trusts, insurance policies, estate planning, and real estate—structures that protect families long after income stops. Key takeaway: Generational wealth is built with systems, not just income. 8. Invest in Yourself First One of Ashley’s most practical strategies is prioritizing yourself as a financial line item—saving consistently, protecting your credit, and building habits that support future freedom. Key takeaway: If you don’t prioritize yourself financially, no one else will. 9. Mindset Drives Money Patterns Ashley underscores that many financial struggles are rooted in scarcity mindset and emotional spending. Shifting to an abundance mindset and facing numbers honestly is the first step toward change. Key takeaway: Your mindset controls your financial outcomes. Notable Quotes “Songwriting is the heart and soul of a song—it’s what makes it last.” “The real money in music is on the back end.” “I walked away from a deal because the business wasn’t right—and that changed everything.” “Bankruptcy forced me to learn how to protect myself.” “Just because you know how to make money doesn’t mean you know how to keep it.” “Generational wealth is structure—trusts, insurance, planning.” “Put yourself on your own balance sheet.” “Your mindset controls everything around you.” Overall Message Ashley Joi Boyd’s interview is a masterclass in reclaiming control—creatively, financially, and mentally. Her story demonstrates that wealth is not defined by income alone, but by ownership, education, structure, and intention. By openly sharing both her success and setbacks, Ashley empowers listeners to stop avoiding financial truth, build sustainable habits, and believe that long‑term wealth is possible—no matter where they are starting. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley Joi Boyd. Interview Purpose The purpose of this interview is to explore the intersection of creativity, financial literacy, ownership, and personal resilience, using Ashley Joi Boyd’s journey as a Grammy‑nominated songwriter, music publisher, real estate developer, and author as a powerful case study. Through honest conversation, Ashley reframes success in the entertainment industry beyond fame and hits, emphasizing business ownership, financial education, mindset, and long‑term wealth building. The interview also serves as an empowerment message—particularly for women—demonstrating that financial setbacks, including bankruptcy, can become turning points rather than permanent barriers. Major Themes & Key Takeaways 1. Songwriting Is the Heart—and the Business—of Music Ashley explains that songwriting is not just creativity; it is the foundation of lasting success in the music industry. While artists may earn from performances, writers and publishers earn from ownership, collecting royalties every time a song is played, streamed, or used globally. Key takeaway: Creativity generates income, but ownership generates wealth. 2. Publishing Is Where the Real Money Lives Ashley highlights that music publishing—not performing—is the most lucrative side of the industry. By owning her publishing company, she positioned herself to earn long‑term, recurring income rather than relying on one‑time payments or constant touring. Key takeaway: Understanding back‑end revenue streams is critical in any industry. 3. Business Knowledge Creates Leverage Raised in an entertainment household, Ashley learned early the importance of understanding contracts, rights, and percentages. She famously walked away from a publishing deal that demanded 75% ownership—choosing long‑term control over short‑term opportunity. Key takeaway: Walking away from the wrong deal can be the right decision. 4. Opportunity Meets Preparation Ashley’s collaboration on Justin Bieber’s hit “Yummy” did not happen overnight. It was the result of years of preparation, proven skill, respect for her craft, and being ready when the door opened. Key takeaway: Access opens doors, but preparation determines what happens next. 5. Financial Collapse Can Become Financial Education Ashley openly discusses filing for bankruptcy after the 2008 housing crash—a moment she describes as devastating but transformative. With no guidance at the time, she was forced to learn money management the hard way, reshaping her relationship with credit, debt, and planning. Key takeaway: Bankruptcy is not the end—it can be the beginning of financial mastery. 6. Financial Literacy Is Often Untaught—but Essential Ashley stresses that many people, especially women, are never taught how to manage money, credit, or wealth. This gap inspired her book Financially Fly: Mastering Money and Wealth for Women, written to create a safe, honest space for financial conversations. Key takeaway: Making money is not the same as knowing how to keep or grow it. 7. Wealth Is About Structure, Not Just Cash In defining generational wealth, Ashley emphasizes trusts, insurance policies, estate planning, and real estate—structures that protect families long after income stops. Key takeaway: Generational wealth is built with systems, not just income. 8. Invest in Yourself First One of Ashley’s most practical strategies is prioritizing yourself as a financial line item—saving consistently, protecting your credit, and building habits that support future freedom. Key takeaway: If you don’t prioritize yourself financially, no one else will. 9. Mindset Drives Money Patterns Ashley underscores that many financial struggles are rooted in scarcity mindset and emotional spending. Shifting to an abundance mindset and facing numbers honestly is the first step toward change. Key takeaway: Your mindset controls your financial outcomes. Notable Quotes “Songwriting is the heart and soul of a song—it’s what makes it last.” “The real money in music is on the back end.” “I walked away from a deal because the business wasn’t right—and that changed everything.” “Bankruptcy forced me to learn how to protect myself.” “Just because you know how to make money doesn’t mean you know how to keep it.” “Generational wealth is structure—trusts, insurance, planning.” “Put yourself on your own balance sheet.” “Your mindset controls everything around you.” Overall Message Ashley Joi Boyd’s interview is a masterclass in reclaiming control—creatively, financially, and mentally. Her story demonstrates that wealth is not defined by income alone, but by ownership, education, structure, and intention. By openly sharing both her success and setbacks, Ashley empowers listeners to stop avoiding financial truth, build sustainable habits, and believe that long‑term wealth is possible—no matter where they are starting. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

In this episode of the Jake & Gino How To Series, Gino shares a practical guide on how to invest your money with intention. Beyond just chasing returns, this conversation focuses on protecting your capital, building sustainable income streams, and creating long-term wealth. Gino also highlights the importance of side hustles as a way to generate additional income that can be reinvested into assets. Timestamps 00:00 – Introduction 01:12 – Why investing is more than just making money 03:05 – The importance of protecting your capital 05:20 – Understanding how money grows over time 08:10 – Active vs passive income explained 11:00 – The role of side hustles in building capital 14:25 – Turning income into investments 17:40 – Common mistakes new investors make 20:15 – Building a long-term investment strategy 23:50 – Mindset shifts for wealth creation 26:30 – Final thoughts & key takeaways This episode is brought to you by Wheelbarrow Profits. To learn more about multifamily investing and access valuable resources, visit:https://wheelbarrowprofits.com We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You do not need a real estate license or a hammer to build a massive portfolio in today's market. Kris Krohn breaks down the three fastest ways to invest passively through turnkey properties, syndications, and expert partnerships. Learn how to skip the trial and error by leveraging the track record of high-level operators to grow your wealth while you keep your day job.

Bitcoin OG, investor and anlyst Simon Dixon predicted Trump's return to the White House, the Iran War, and the dollar's collapse as primary reserve asset — all by doing one thing: following the money. In this episode, he reveals where it actually goes and what it means for you. We discuss: Why the American empire is being dismantled on purpose and who benefits The financial industrial complex that sits above presidents, governments, and you How the entire global economy is a Ponzi scheme approaching its endgame Why self-custody Bitcoin is your only real exit from the system How Simon lost his father and his Bitcoin on the same day — and what it taught him about the "spiritual energy" of money Follow Simon Dixon on X https://x.com/SimonDixonTwitt ---- 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. Earn up to 4% back in sats on everyday purchases like gas and groceries. Sign up today https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: Check out my favorite lightning wallet and trivia app Speed Wallet. If you're a business, let Speed help you accept BTC like they did for Steak n Shake! Visit http://speed.app/natalie/ and use code COINSTORIES10 for 5,000 free sats Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Join us for the biggest Bitcoin conference in Europe at BTC Prague this June 10-13 with a keynote from Michael Saylor, Code HODL for discounted passes: https://btcprague.com/  Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. Ads in this episode are baked-in and may reference promotions or offers that are no longer available at the time of listening. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Following the Healthy Brick Road, Interview with CMS Admin Dr. Oz | TRIGGERED Ep.333   Live from Rumble Studio For advertising inquiries please email sponsorships@rumble.com --- Immuno 150 - order online at http://Immuno150.com or call toll free 888-316-2224. --- Visit http://DonJrGold.com today to claim your free 2026 Gold & Silver Kit. --- Call 877-80-INVEST — that's 877-80-INVEST or log onto www.InvestYrefy.com

Get my real estate investing course for free! https://masterpassiveincome.com/freecourseJoin Dustin Heiner's 1on1 Real Estate Investor Coaching: https://masterpassiveincome.com/coaching//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for FREE! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Dustin Heiner and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/AI is taking over all jobs and if you are not investing in real estate, you will not be able to afford to live.Links referenced in this episode:masterpassiveincome.com/freecoursefinancial independence, quit your job, real estate investing, passive income, financing options, creative financing, rental properties, property investment, investment strategies, cash flow, money management, DSCR loans, FHA loans, hard money loans, seller financing, private money loans, portfolio loans, home equity loans, investment coaching, financial educationNOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!Takeaways:Investing in real estate has become a necessity due to the changing economic landscape.AI advancements threaten many white collar jobs, underscoring the importance of income generation.The shift from wealth accumulation to income generation is critical for financial stability.Building a strong belief in oneself is essential for taking action in real estate investing.Surrounding oneself with successful individuals accelerates personal growth and investment success.The journey of real estate investing requires perseverance and a commitment to never give up.

How should you invest a large amount of money?  In this episode of Money Guide with Mary Sterk, we share investing strategies for serious money.Feat Mary Sterk & Kelsey BankeySubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contactSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter

$10,000. $100,000. $1,000,000. Three numbers. Three moments where your entire financial life shifts. Here is what to do at each one.

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   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 to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

Jamie and I talked about why struggle is not something to avoid but something to embrace. We got into parenting, confidence, health, balance, and why giving yourself permission matters more than waiting for approval. We discussed what a good life actually looks like, how pressure shapes better people, and why playing the long game across generations is more meaningful than chasing status or shortcuts. This episode is about values, responsibility, and becoming someone your kids can be proud of. 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  

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

What if you could turn one check… into a lifetime of income?Most people spend their tax refund.Smart people invest it.In this video, Wallstreet Trapper breaks down a REAL strategy to:* Build a portfolio from scratch* Invest in dividend and growth stocks* Create passive income over time* And keep cash ready for opportunitiesJoin our Exclusive Patreon!!! Creating Financial Empowerment for those who've never had it.

In this episode of the Earn and Invest podcast, host Doc G welcomes childhood friend and Brooklyn-based filmmaker Powell Brian. Brian, an executive producer best known for directing the critically acclaimed Netflix documentary Charles Bradley: Soul of America, joins the show to discuss the massive disruptions currently reshaping the entertainment industry. Throughout the episode, the two use the technological and AI-driven upheaval in Hollywood as a metaphor for the rapid changes threatening nearly every modern career Learn more about your ad choices. Visit megaphone.fm/adchoices

I love the What Went Wrong  conversations because they remind me that even when things look like they're working, there's usually a crack or two hiding under the surface. In this episode, we dig into one of those uncomfortable moments every business owner faces. Growth slows, the numbers get fuzzy, and suddenly the team you built so carefully starts to feel… expensive. I sat down with Matt Levenhagen, founder of Unified Web Design and host of the Builder Podcast, to talk about what happens when you hold on just a little too long. Here's what really stuck with me: • Hope is not a hiring strategy Matt kept his team based on where revenue had been, not where it actually was. When projects stalled, he filled time with “busy work” instead of facing the numbers. That gap between reality and optimism gets expensive fast. • The warning signs are usually obvious, we just ignore them Delayed projects, slow client responses, and scrambling to keep people busy. Those were all signals. The lesson? If you're getting creative just to justify payroll, it's time to pause and reassess. • Flexibility beats the “perfect team” Matt realized he didn't need a full bench all the time. Now he's building a more flexible structure with a mix of core team members tied to revenue and others brought in as needed. It's not about loyalty, it's about sustainability. • Invest in sales before you need it This one hit home. When things were good, he didn't push marketing or sales hard enough. By the time revenue slowed, it was too late to quickly replace that pipeline. Yes, you want to invest in growth. But when the business shifts, you have to shift with it. Because holding on too long doesn't just cost money. It costs momentum.  

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Joanna Jensen discusses with Ivan six things which should be better known. Joanna Jensen is the founder of the British multi-award-winning baby and child personal care brand, Childs Farm which she created in 2010 as a result of her own daughters' sensitive and eczema prone skin. A former Investment Banker in both London and Hong Kong, Jensen transformed an emotional need into a commercial brand from day one. Her brand was launched into mainstream retailers Boots and Waitrose in 2014 and became the number one brand in the baby and child toiletries category in 2019 disrupting the more established legacy brands with its natural, sustainable and fruity formulas, and seeing Johnson Baby's market share tumble from 32% to 13% in just 5 years. In March 2022, Jensen sold 92% of Childs Farm for £36.8m to PZ Cussons Plc, the branded consumer goods business and owner of well-known brands such as St.Tropez, Imperial Leather, and Carex selling the final 8% in January 2025. Jensen is an active keen supporter of female founded businesses. She is an Angel Investor in 11 female founded brands and a leading advocate in supporting female founded businesses. She sits on the Angel Investment Committee for the Invest in Women Task Force. Jensen's first book Making Business Child's Play: How to build a winning brand was published in September 2025. From idea to launch, she details everything entrepreneurs don't know they don't know to endeavour to learn what took her six months to learn in 6 minutes. Small, consistent actions beat sporadic big ones Your brain treats uncertainty as a threat A ‘mast' year occurs every 3-5 years Relationships are the real currency in business Bees are infrastructure for our food system Strong social connection is a biological need This podcast is powered by ZenCast.fm

Crypto News: Treasury Secretary Scott Bessent calls for the crypto market structure bill Clarity Act to be passed asap. Trump will attend meme coin event. XRP adjacent Flare proposes protocol-level MEV capture and 40% inflation cut.Brought to you by

Grab your tin foil hat and get in here LIVE!! Lets take one final look at the fighters for UFC 327 Jiří Procházka vs Carlos Ulberg and try to make some money!! Follow me! Twitter (x): @DieHardMMAPodnstagram: https://www.instagram.com/diehardufc/Facebook: https://www.facebook.com/DieHardMMAPodcastBlueSky: @diehardmmapod.bsky.social► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off►RotoWire: http://rotowire.com/smart-money/?ref=yjq1zgvPromo Code: DIEHARD: 10% off  Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/all

Jimmy Donaldson (aka Mr. Beast) built a billion dollar content empire on YouTube. Today, Nicole breaks down how he actually did it, and more importantly, what lessons retail investors can apply to their own portfolio. Nicole pulls back the curtain on the Mr. Beast business model: why his YouTube videos are actually loss leaders, how Feastables became the real money maker, and why he intentionally lost money on his Amazon deal.   And if you think none of this applies to you because you have no interest in going viral? Nicole closes with three concrete ways to invest in the creator economy right now, no camera required. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today: 00:00 Are you ready for some Money Rehab? 00:18 Mr. Beast By the Numbers 02:44 Jimmy Donaldson's Origin Story 04:13 How the Mr. Beast Business Model Actually Works 05:16 Economics of Feastables 06:00 The Beast Games Amazon Deal  08:08The $5.2 Billion Valuation  08:38 3 Ways to Invest in the Creator Economy 11:31 Tip You Can Take Straight to the Bank  All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

I sat down with Jonathan Rose, CEO of BlockTrust IRA, to break down the truth about Bitcoin, the erosion of the dollar, and why a massive wealth transfer may already be underway. (2:11) Bitcoin Vs the Dollar(5:17) Why You’re Still Early(8:45) The Crypto IRA Solution(11:18) AI Beats Volatility(15:29) Smart Crypto Investing Get up to $2,500 in FREE Bonus crypto: DineshCrypto.comSee omnystudio.com/listener for privacy information.

Code Red: The AI Race with Author Wynton Hall | Triggered Ep.332   Live from Rumble Studio For advertising inquiries please email sponsorships@rumble.com --- Go to http://polymarket.com to trade on the outcomes of live events from politics, pop culture, to sports and more! --- For advertising inquiries please email sponsorships@rumble.com --- Call 877-80-INVEST — that's 877-80-INVEST or log onto http://investyrefy.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley Joi Boyd. Interview Purpose The purpose of this interview is to explore the intersection of creativity, financial literacy, ownership, and personal resilience, using Ashley Joi Boyd’s journey as a Grammy‑nominated songwriter, music publisher, real estate developer, and author as a powerful case study. Through honest conversation, Ashley reframes success in the entertainment industry beyond fame and hits, emphasizing business ownership, financial education, mindset, and long‑term wealth building. The interview also serves as an empowerment message—particularly for women—demonstrating that financial setbacks, including bankruptcy, can become turning points rather than permanent barriers. Major Themes & Key Takeaways 1. Songwriting Is the Heart—and the Business—of Music Ashley explains that songwriting is not just creativity; it is the foundation of lasting success in the music industry. While artists may earn from performances, writers and publishers earn from ownership, collecting royalties every time a song is played, streamed, or used globally. Key takeaway: Creativity generates income, but ownership generates wealth. 2. Publishing Is Where the Real Money Lives Ashley highlights that music publishing—not performing—is the most lucrative side of the industry. By owning her publishing company, she positioned herself to earn long‑term, recurring income rather than relying on one‑time payments or constant touring. Key takeaway: Understanding back‑end revenue streams is critical in any industry. 3. Business Knowledge Creates Leverage Raised in an entertainment household, Ashley learned early the importance of understanding contracts, rights, and percentages. She famously walked away from a publishing deal that demanded 75% ownership—choosing long‑term control over short‑term opportunity. Key takeaway: Walking away from the wrong deal can be the right decision. 4. Opportunity Meets Preparation Ashley’s collaboration on Justin Bieber’s hit “Yummy” did not happen overnight. It was the result of years of preparation, proven skill, respect for her craft, and being ready when the door opened. Key takeaway: Access opens doors, but preparation determines what happens next. 5. Financial Collapse Can Become Financial Education Ashley openly discusses filing for bankruptcy after the 2008 housing crash—a moment she describes as devastating but transformative. With no guidance at the time, she was forced to learn money management the hard way, reshaping her relationship with credit, debt, and planning. Key takeaway: Bankruptcy is not the end—it can be the beginning of financial mastery. 6. Financial Literacy Is Often Untaught—but Essential Ashley stresses that many people, especially women, are never taught how to manage money, credit, or wealth. This gap inspired her book Financially Fly: Mastering Money and Wealth for Women, written to create a safe, honest space for financial conversations. Key takeaway: Making money is not the same as knowing how to keep or grow it. 7. Wealth Is About Structure, Not Just Cash In defining generational wealth, Ashley emphasizes trusts, insurance policies, estate planning, and real estate—structures that protect families long after income stops. Key takeaway: Generational wealth is built with systems, not just income. 8. Invest in Yourself First One of Ashley’s most practical strategies is prioritizing yourself as a financial line item—saving consistently, protecting your credit, and building habits that support future freedom. Key takeaway: If you don’t prioritize yourself financially, no one else will. 9. Mindset Drives Money Patterns Ashley underscores that many financial struggles are rooted in scarcity mindset and emotional spending. Shifting to an abundance mindset and facing numbers honestly is the first step toward change. Key takeaway: Your mindset controls your financial outcomes. Notable Quotes “Songwriting is the heart and soul of a song—it’s what makes it last.” “The real money in music is on the back end.” “I walked away from a deal because the business wasn’t right—and that changed everything.” “Bankruptcy forced me to learn how to protect myself.” “Just because you know how to make money doesn’t mean you know how to keep it.” “Generational wealth is structure—trusts, insurance, planning.” “Put yourself on your own balance sheet.” “Your mindset controls everything around you.” Overall Message Ashley Joi Boyd’s interview is a masterclass in reclaiming control—creatively, financially, and mentally. Her story demonstrates that wealth is not defined by income alone, but by ownership, education, structure, and intention. By openly sharing both her success and setbacks, Ashley empowers listeners to stop avoiding financial truth, build sustainable habits, and believe that long‑term wealth is possible—no matter where they are starting. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Want to quit your job and build a real land investing business?

Join me as I review UFC 327 from a totals perspective. We review my favorite totals on the board and discuss the betting lines for each of them. Lets go over or under and try to give you an alternate way to bet the fight if you cant pick a side!► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off►RotoWire: http://rotowire.com/smart-money/?ref=yjq1zgvPromo Code: DIEHARD: 10% off► Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/Follow me!Twitter (x): @DieHardMMAPodInstagram: https://www.instagram.com/diehardufc/Facebook: https://www.facebook.com/DieHardMMAPodcastBlueSky: @diehardmmapod.bsky.social

How much does it cost to protect a forest, an ocean, or an entire ecosystem? And where does that money come from? This special crossover episode between "After the Fact" and the World Wildlife Fund's (WWF's) "Nature Breaking" podcast dives into the topic of nature finance. And with an estimated $1.2 trillion needed annually by 2030 to halt biodiversity loss, this funding needs to be secured quickly and on a large scale. Experts from Pew and WWF share how this funding is raised to support innovative, local conservation projects around the world, from not only traditional philanthropic sources but private sector and investor funding as well.

Losing a job can feel like the end, but for Niccolo Fazio, it was just the beginning. In this episode, Niccolo shares how he went from $0 to building a 7-figure business, breaking down his journey, strategies, and mindset shifts that made it possible. Niccolo shares how he went from losing his W2 to financial success, breaking down the key decisions, strategies, and mindset shifts that made it possible. If you're ready to take control of your financial future and scale your business be sure to check out TTP Training Program now!---------Show notes:(0:50) Beginning of today's episode(1:30) What is the greatest thing that happened to him professionally?(5:13) What is his average deal size?(6:37) Getting a dropping price(12:07) Is he assigning deals or double escrowing them?(17:20) How do they find their deals?(18:08) How do they build their brand and get loud?(25:37) Invest in places you want to be in and leverage your assets----------Resources:BatchleadsFazio Real Estate SolutionsFollow Nicco here or call him at: (314) 702 - 3313To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Matyáš Kuchař is the co-founder of BTC Prague (Europe's largest Bitcoin-only conference) and he joins Natalie with a frank assessment of where Europe stands on Bitcoin: over-regulated, energy-stressed, and falling behind. But Czech Republic is a surprising bright spot, with a Bitcoin-friendly central bank governor, a thriving Bitcoin community, and a conference drawing 8,000 attendees and speakers like Michael Saylor, Jeff Booth, and Jack Cruz. We discuss: How MiCA regulation killed Bitcoin payments at over 1,000 restaurants and shops overnight  The Czech National Bank governor who understands Bitcoin, and what that means for Europe What makes BTC Prague different from other Bitcoin conferences Why a bear market is actually the best time to attend a Bitcoin conference Get your tickets to the conference using code HODL at www.btcprague.com  Follow Matyáš Kuchar on X https://x.com/Matyas44Cook  **This interview can be viewed with Czech language subtitles on YouTube and Rumble.  ---- 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. Earn up to 4% back in sats on everyday purchases like gas and groceries. Sign up today https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Join us for the biggest Bitcoin conference in Europe at BTC Prague this June 10-13 with a keynote from Michael Saylor, Code HODL for discounted passes: https://btcprague.com/    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. Ads in this episode are baked-in and may reference promotions or offers that are no longer available at the time of listening. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

May Zabaneh, SVP and General Manager of Crypto at PayPal, joined me to discuss how the company is taking its PYUSD stablecoin global. With a massive launch across 70 new markets. Topics:- PayPal's crypto products - PYUSD available in 70 markets worldwide in the PayPal account - Future of Stablecoins and Payments - Stablecoin regulation - GENIUS Act implementation - YouTube PYUSD IntegrationBrought to you by 

Crypto News: White House Economists Say Stablecoin Rewards Won't Harm Banks. Morgan Stanley's MSBT bitcoin ETF logs $34 million in first-day volume. https://www.whitehouse.gov/wp-content/uploads/2026/04/Effects-of-Stablecoin-Yield-Prohibition-on-Bank-Lending.pdf Brought to you by

I'm in the middle of a very full stretch of travel, conferences, and speaking. And it got me thinking about something I've done from day one in my business - the one thing I will always spend money on.In this episode, I'm breaking down why continuing education and coaching has been the biggest investment I've made (outside of people) and why I truly believe it's a non-negotiable if you want to grow. If you're a brand photographer who feels like you're spinning your wheels, second-guessing your next move, or just not showing up the way you want to, this is the conversation we need to have.We're talking:Why education + coaching has never been optional for meThe difference between consuming everything vs. getting what you needWhy paid containers create a different level of commitmentThe real reason you feel stuck (hint: it's your thoughts)What “thought work” actually looks like in businessBorrowing confidence from your future, million-dollar selfLinks & Resources✨ Join Rebrand: My 12 month transformative brand program for photographers who want to attract and book more brand photography clients. Learn more here!

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

In this episode, real estate developer Roger Luri shares insights into developing in Chicago, navigating market complexities, and opportunities in the city's real estate scene. Learn about the development process, market trends, and strategic advice for aspiring developers.   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   —--------------------

Mark Yusko, chief investment officer at Morgan Creek Capital Management, says global uncertainty "is at the highest level it has ever been," which is why investors have been leaning into quality and other factors they understand and are comfortable with, but he says value-oriented investors should be looking for less-traveled paths, searching for opportunities where they feel really uncomfortable "and where it's hard to pull the trigger." Yusko discusses ETFs in the Market Call, but also talks current events, noting that "Volatility is disagreement about future outcomes." With the "ETF of the Week," Todd Rosenbluth, head of research at VettaFi, turns to an actively managed municipal bond fund as a tax-time diversion, but he notes that the low-cost fund with a solid tax-free yield deserves long-term consideration too. Jamie Hopkins, co-author of "Your Retirement Sketchbook: 125 Retirement Planning Lessons from Financial Experts," discusses the new book, holes many people leave in their financial planning and how to take charge of the process and fill in the gaps.

You make six figures. You should feel ahead. So why does it still feel like you're barely getting by?

In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. Through listener questions, he delves into the impact of investment returns, health considerations, and income needs on retirement strategies. Roger also shares inspiring retirement stories and offers practical advice on managing retirement accounts and planning for the future. With insights into the psychological and financial aspects of retirement, this episode equips listeners with the knowledge to make informed decisions about their financial well-being.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Introduction: Navigating retirement decisions with confidenceROCKIN' RETIREMENT IN THE WILD(00:42) Highlighting stories of unique retirement adventures(01:08) The non-financial benefits of enjoying freedom day-by-day(04:25) Cultural pressure to plan and set goals in retirement(06:19) Retirement dreams: taking the world's longest flightPRACTICAL PLANNING SEGMENT(07:32) Addressing the dilemma: take Social Security early and invest it?(09:22) Key facts impacting Social Security claiming strategy(12:23) Investment return scenarios (14:17) Benefits of not taking SS early: market risk, guaranteed income, simplicity(19:00) Managing uncertainty and balancing investment returns(21:23) Strategies for inherited Roth IRAs and mega backdoor Roth approaches(24:40) Inheritance, aspirational goals, and resilient plans(32:03) How to avoid fees moving 401kSMART SPRINT(36:00) Smart Sprint: Download your most recent Social Security statement ON THE BOOKSHELF(37:19) Book recommendations from the teamREFERENCESSocial Security Statement – Create or access your account to view benefitsUnforgettable: The Art and Science of Creating Memorable Experiences by Phil MarshonHow the Word is Passed by Clint SmithSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Your tool set isn't just a collection of utilities — it's the environment you live in every day, and it's shaping you whether you realize it or not. In today's episode, I explore two principles that senior engineers consistently apply to their workflows, regardless of which specific tools they're using. As our industry goes through one of the most rapid periods of change in the last 20 years, the engineers who thrive won't be the ones chasing every new tool — they'll be the ones who obsess over reducing friction in the work they do most often. Honor the Grief: Many engineers are experiencing a real sense of loss as the deep cultural connections to languages, communities, and hand-written code begin to shift. Recognizing and processing that grief — rather than letting it turn into reflexive rejection of new tools — is essential to thinking clearly about what comes next. "We Shape Our Tools, Then Our Tools Shape Us": Your tools aren't neutral. A bad monitor height, a faulty keycap, or a clunky deployment process all shape you back — draining focus, breaking flow, and compounding over time. The most senior engineers treat this relationship as a first-class concern. Principle 1 — Tools Are Your Environment: There's a spectrum from "tool" to "environment," and most of what you work with sits somewhere in between. Your terminal, your desk, your claude.md file — all of these are environment. Sharpening your tools means shaping your environment, and shaping your environment is sharpening your tools. Friction Is the Lever: You don't need a dramatic overhaul to change your behavior. Tiny reductions in friction — a two-letter alias, a key binding to run tests, setting your shoes out the night before — have an outsized effect on how often you actually do the things you want to do. James Clear's Atomic Habits framework applies directly to engineering workflows. Principle 2 — First Order Thinking: Borrowed from Adam Savage's concept of "first order retrievability," the idea is simple: identify what you do most often and invest in making that better. Not faster, not just automated — better. If you do something a hundred times a day, even a small improvement compounds dramatically. Invest in the Fundamentals: Your standups, your one-on-ones, your specifications, your prompting skills — these are the repetitive, high-frequency activities where your biggest growth opportunities live. Stop assuming you've "arrived" on the basics just because nobody is giving you negative feedback. Episode Homework: Look around your workspace right now — physical and digital. Identify one thing you do repeatedly where friction is slowing you down or discouraging follow-through, and make one small change to reduce that friction today.

If there's one formula that truly determines your happiness (and success) as a business owner, it's this: capacity equals demand. What does that mean? It's simple. If you have too much capacity—too many employees, too much equipment—and not enough demand from customers, life gets stressful and you start losing money. On the flip side, when demand is off the hook and you don't have enough capacity, you're overwhelmed, your team gets burned out, and the client gets frustrated.  Capacity = demand isn't just a finance concept—it's the secret sauce to scaling a home service business without losing your sanity. The closer you keep these two variables in balance, the smoother your business runs, and the more you can enjoy building something valuable for your team, your customers, and yourself. It's not always easy. Staying intentional about this formula is a daily practice, and few talk about the emotional impact of getting it right—or wrong. But when things finally click, there's nothing better. The compounding value of capacity = demand. This episode dives deep into the math, mindset, and actionable strategies for starting, scaling and optimizing your business.  In this episode, you will discover:   The 5 essential steps to properly setting up your business finances, including separating your personal and business accounts and understanding your roles as both CEO and owner. The magic formula for running a service business successfully: Capacity equals demand, and what happens when those are out of balance. The reality of the inflection point of scaling—why scaling up means changing roles, taking risks, and investing in marketing, recruiting, and infrastructure, as well as the challenges of hiring and retaining employees. The pros and cons of commission pay vs. hourly pay and how these choices affect production rates, employee motivation, and business profitability. Whether buying equipment to save on taxes actually works, and the math behind making effective assets and purchases.      "Capacity equals demand is the magic formula to grow a business that doesn't s*ck." - Dan Platta Topics Covered:   00:01:05 – The "Math Game" of Business Every business, regardless of its niche, is fundamentally about managing math—clarity on profits, costs, and investments. Serving people is important, but profitability is essential to benefit everyone involved: family, customers, employees. 00:01:54 – Step 1: Separate Business and Personal Finances Business owners must stop mixing personal and business transactions. Commingling makes it "impossible to make good decisions" because you can't accurately track expenses, investments, or returns. Creating separation brings immediate clarity and allows assessment of where money is coming in and going out. 00:02:46 – Step 2: Distinguishing CEO vs. Owner Roles Understand the distinction between being the CEO (day-to-day operations, business decisions) and the owner/investor (providing capital, expecting a return). Many owners only pay themselves for their labor and never separate out an owner's return, resulting in businesses that aren't truly profitable when they step away from operations. 00:05:54 – Step 3: Debt Isn't Evil; Credit Cards & Business Loans Have a Place Dan Plata clarifies the difference between personal debt aversion and business leverage. Credit cards, when paid off monthly, offer "0% interest for 30–40 days" plus bonus points, making them an asset for cash flow management. 00:09:02 – Step 4: Keep Accounting Systems Separate from Operating Systems Don't expect one tool to do it all. Mixing operating software (e.g., Jobber) with accounting software (e.g., QuickBooks) leads to confusion and misuse. Specialized tools should do what they do best in their domains. 00:12:24 – Step 5: LLC, S-Corp, and the $100K Revenue Turning Point When your net income is $25,000–$50,000 or more, Dan Plata recommends switching your LLC to be taxed as an S-corp using IRS Form 2553. This can save significantly on payroll taxes—at $50K net income, payroll taxes drop from ~$7,600 to ~$3,800. 00:44:45 – The "Magic Formula": Capacity Equals Demand Aligning business capacity (employees, resources) with customer demand is key to sustainability and less stress. Too much capacity and not enough demand leads to underutilized workers and attrition; too much demand and not enough capacity leads to burnout and customer dissatisfaction. Straying from this balance creates chaos. 01:26:15 – Employee Acquisition Cost & Recruitment Mindset Investing in high-quality employees is critical. Dan Plata shares the importance of treating recruiting costs as investments, not expenses. 01:50:47 – Commission Pay vs. Hourly Pay Commission-based pay aligns incentives—employees win when the company wins, motivating higher production rates (often boosting output by 30–50%). Hourly pay firms up quality but can encourage slower work, as workers are paid for time, not outcomes. 02:13:54 – Buying Assets the Right Way & Year-End Tax Purchases When scaling, don't buy equipment just to "save on taxes." It's best to invest in marketing and recruiting first; these are what drive growth and profits. Buy assets only after you have work and employees to use them. Finance 70%, put 30% down to avoid being upside down, and avoid new vehicles—used work trucks are sufficient.   Key Takeaways Set up your business finances correctly from the start; separate personal and business accounts to gain clarity and make better decisions. As your business grows past $100,000 revenue or $25,000 net income, switch your LLC to be taxed as an S-corp—this can save you thousands on payroll taxes and clarify owner vs. employee income. Scaling your business comes with "purgatories"—periods of losing money and chaos before the next stage of profitability; expect these, budget for them, and push through. Invest heavily in recruiting the right employees; the true cost is often underestimated, but employees are more valuable than clients, and spending money to find good ones is crucial. Underlying all growth: business ownership is about pride and doing hard things—money is a byproduct, but fulfillment comes from progress and resilience. Connect with Keith Instagram: https://www.instagram.com/keithkalfas/ Facebook: https://www.facebook.com/thelandscapingemployeetrap Website: https://www.keithkalfas.com/resources Youtube: https://www.youtube.com/@keith-kalfas   Resource Links Mentioned Jobber: getjobber.com/kalfas Rebold Website AI: keithkalfas.com/rebolt CallRail Call Tracking: keithkalfas.com/callrail   Written and Edited by: Ma. Teresa Catangay-Bardinas

In this episode of the Money Meets Medicine podcast, Jimmy discusses how his daughter Grace just earned $120 from her first real babysitting gig — and it sparked a deep dive into the best ways to invest money for your kids. In this episode, Jimmy and Justin break down the major investment accounts available for children, including 529 plans, UGMA/UTMA accounts, custodial Roth IRAs, and the brand-new Trump accounts (plus who actually qualifies for the $1,000 seed money and the $250 Dell-funded option).  They also share what's actually worked in their own families to teach kids about money — from the three-jar system to Apple Pay allowances to the parent match strategy. Whether your kids aren't born yet or are already earning their own income, you'll walk away with a game plan for building financial literacy and long-term wealth for your family. Every doctor needs own-occupation disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability  Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Crypto News: US and Iran agree to 2-week ceasefire which caused Bitcoin and Stocks to pump. Crypto's $224 million inflow rebound was led by mostly one country and XRP.Brought to you by 

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

#341: This month on She's So Lucky, we're kicking off Lucky Girls Invest — a full month of conversations dedicated to investing in our luck, and our futures.April is Financial Literacy Month, and I wanted to kick off the series with a candid conversation about investing that I genuinely wish someone had with me when I was younger.In this solo episode, I'm sharing my personal investing origin story — from growing up with a scarce mentality to accidentally opening a 401k at 20 years old as a college intern because someone said the words "employer match" and "free money." That one decision, that I barely even understood at the time, has been compounding for over 15 years and could potentially fund my retirement on its own.I'm also getting into the moment that changed how I think about money, power, and who gets to make the decisions — because there is a fundamental difference between being someone who's always chasing a deal and being someone who gets to write the check. That shift in perspective is why I'm so passionate about this series, why I made my first angel investment, and why I want more of us in these rooms.We're spending all of April talking about the different ways you can invest through conversations that will help redefine what generational wealth means to you. But first, I wanted to set the stage and give you the "why" behind all of it. Because investing isn't just a financial strategy. It's an act of hope. And right now, hope feels like a radical thing.This episode is for you if...You grew up without a lot of financial education and feel like you're playing catch-up.You've been told that a good job is enough — and you're starting to wonder if that's actually true.You don't have a ton of money right now, but you want to understand investing before you do.You feel like certain opportunities — angel investing, venture capital, real estate — are for "other people" and not for you.You've been in rooms where other people were making the big decisions, and you're ready to be the one calling the shots.You want to understand the difference between investing in yourself and investing your money — and why you need both.You're ready to stop begging for someone to give you a shot and start thinking about how to be the one who gives shots.You believe in a future worth building toward — even when it's hard to see right now.Keep in Touch with Les:Ready to apply what you hear? Subscribe to the She's So Lucky Newsletter to get weekly episode guides and journal prompts: https://shessolucky.kit.com/newsletterSubscribe to The Lucky Playbook on Substack: https://lesalfred.substack.com/Follow Les on IG @lesalfredFollow She's So Lucky on IG @shessoluckypodFollow Les on TikTok @theluckylesFollow She's So Lucky on TikTokVisit our website at shessoluckypodcast.comSponsors:IM8: IM8's Daily Ultimate Essentials gives you the benefits of 16 different supplements in one. Go to im8health.com/lucky and use code LUCKY for a Free Welcome Kit, five free travel sachets plus ten percent off your order.Shopify: Visit shopify.com/balancedblackgirl for your $1 per month trial.NOBULL: Visit www.nobullproject.com and use code DMLUCKY for 35% off your entire first order.Bask & Lather: Go to baskandlatherco.com and use code LUCKY for 20% off.UnF*ck Your Brain Podcast: If you're ready to take control of your thoughts – listen to UnF*ck Your Brain, wherever you get your podcasts.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Produced by Dear Media See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus: a new Goldman Sachs report suggests AI-displaced workers could face steep economic pain. And Samsung projects a more than eightfold leap in first-quarter operating profit. Danny Lewis hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

There is a documentary you need to watch, and after this conversation, you'll understand exactly why. Marcus and Amber Capone are here with me today to talk about “In Waves and War,” a documentary film about the decades-long journey it captures from a Navy SEAL on the edge of suicide to a couple now sponsoring five to six veterans per week to receive life-changing treatment in Mexico. This one isn't just for veterans or their families, it's for anyone who knows someone suffering in silence.  CLICK HERE TO BECOME GARY'S VIP!: ⁠https://bit.ly/4ai0Xwg⁠ Watch Marcus and Amber Capone's documentary, “In Waves and War”:⁠ ⁠⁠https://bit.ly/4dxotZZ⁠  Connect with Marcus Capone Website: ⁠https://bit.ly/4vtqXiG⁠  Instagram: ⁠https://bit.ly/41cvB6N⁠  X: ⁠https://bit.ly/48xVB0f⁠  LinkedIn: ⁠https://bit.ly/4tqoALt⁠  Connect with Amber Capone Website: ⁠https://bit.ly/4sUME9B⁠  YouTube: ⁠https://bit.ly/4tdRA9T⁠  Instagram: ⁠https://bit.ly/4csow8n⁠  Facebook: ⁠https://bit.ly/4tAB17Q⁠  LinkedIn: ⁠https://bit.ly/4mdp19u⁠  Thank you to our partners A-GAME: “ULTIMATE15” FOR 15% OFF: ⁠http://bit.ly/4kek1ij⁠  AION: “ULTIMATE10” FOR 10% OFF: ⁠https://bit.ly/4h6KHAD⁠  AIRES: "ULTIMATE20 " FOR 20% OFF: ⁠https://bit.ly/4a3Duze⁠  BAJA GOLD: "ULTIMATE10" FOR 10% OFF: ⁠https://bit.ly/3WSBqUa⁠  BODYHEALTH: “ULTIMATE20” FOR 20% OFF: ⁠http://bit.ly/4e5IjsV⁠  COLD LIFE: THE ULTIMATE HUMAN PLUNGE: ⁠https://bit.ly/4eULUKp⁠  CYMBIOTIKA: "ULTIMATE10" FOR 10% OFF: ⁠https://bit.ly/4tjyluP⁠  GENETIC METHYLATION TEST (UK ONLY): ⁠https://bit.ly/48QJJrk⁠  GENETIC TEST (USA ONLY): ⁠⁠https://bit.ly/3Yg1Uk9⁠  GOPUFF: GET YOUR FAVORITE SNACK!: ⁠https://bit.ly/4obIFDC⁠  H2TABS: “ULTIMATE10” FOR 10% OFF: ⁠https://bit.ly/4hMNdgg⁠  HEALF: 10% OFF YOUR ORDER: ⁠https://bit.ly/41HJg6S⁠  PEPTUAL: “TUH10” FOR 10% OFF: ⁠https://bit.ly/4mKxgcn⁠   SNOOZE: LET'S GET TO SLEEP!: ⁠https://bit.ly/4pt1T6V⁠  WHOOP: JOIN & GET 1 FREE MONTH!: ⁠https://bit.ly/3VQ0nzW⁠  Watch the “Ultimate Human Podcast” every Tuesday & Thursday at 9AM EST: YouTube: ⁠https://bit.ly/3RPQYX8⁠ Podcasts: ⁠https://bit.ly/3RQftU0⁠ Connect with Gary Brecka Instagram: ⁠https://bit.ly/3RPpnFs⁠ TikTok: ⁠https://bit.ly/4coJ8fo⁠ X: ⁠https://bit.ly/3Opc8tf⁠ Facebook: ⁠https://bit.ly/464VA1H⁠ LinkedIn: ⁠https://bit.ly/4hH7Ri2⁠ Website: ⁠https://bit.ly/4eLDbdU⁠ Merch: ⁠https://bit.ly/4aBpOM1⁠ Newsletter: ⁠https://bit.ly/47ejrws⁠ Ask Gary: ⁠https://bit.ly/3PEAJuG⁠ Timestamps 00:00 ​Intro of Show 01:55 In Waves and War: Marcus and Amber's Documentary 07:47 150,000 Suicide Cases in the Military 14:07 Marcus and Amber's PSA Message 18:28 Isolation and the Broken Heart Syndrome 21:57 Overcoming PTSD 25:06 Warning Signs: When People Need Help 26:43 Ibogaine Journey 33:27 Cost of Ibogaine Treatment 38:43 Effects of Ibogaine Experience 49:53 What's Next for Marcus and Amber? 58:57 What's in the Bag? 1:03:31 Why Invest in Water Filtration 1:07:15 Healthy Daily Habits with Your Partner 1:14:53 Mental Health Doesn't Discriminate 1:15:37 What does it mean to you to be an Ultimate Human? 1:20:11 Connect with Marcus and Amber Disclaimer: This podcast is for informational purposes only and does not provide medical advice. It is not intended for diagnosing or treating any health condition. Always consult a licensed healthcare professional before making health or wellness decisions. Gary Brecka is the owner of Ultimate Human, LLC which operates The Ultimate Human podcast and promotes certain third-party products used by Gary Brecka in his personal health and wellness protocols and daily life and for which Ultimate Human LLC and / or Gary Brecka directly or indirectly holds an economic interest or receives compensation.  Accordingly, statements made by Gary Brecka and others (including on The Ultimate Human podcast) may be considered. Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing has never been cheaper - or more expensive - depending on where you choose to grow your money. What to know to be a Clark Smart investor. Also - Should you use ChatGPT Health? While AI is revolutionizing medical research and helping patients find specialized care - this all comes with a warning.  Investing Expenses: Segment 1 Ask Clark: Segment 2 AI & Health Monitoring : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Investment Companies for Investors in 2026 - Clark Howard How To Invest for Absolutely Free in 2026 What Fee Percentage Is Too High for Your Investments? What Brokerage Do You Recommend for First-Time Investors or Kids? Barrons: Commission-Free Annuities Are on the March. When They Make Sense. How To Find and Choose a Financial Advisor How To Roll Over U.S. Savings Bonds Into a 529 Plan Best Term Life Insurance Companies, Plans & Coverage AMEX - What is Send & Split? WPost- I let ChatGPT analyze a decade of my Apple Watch data. Then I called my doctor. Kardia Mobile EKG Monitor The Cheapest Grocery Stores - Clark Howard Best 529 College Savings Plans By State Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices