Podcasts about Ivy League

It's Tuesday, March 3, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson, Timothy Reed and Adam McManus Taliban back in control in Afghanistan After 20 years of U.S. conflict in Afghanistan, the Taliban is back in control. Here's the latest. The Associated Press reports that the new Afghan penal code allows husbands to beat their wives, criminalizes criticism of the nation's leadership, and bans education for women beyond primary school.  And the Afghan-Pakistani War is heating up. According to recent numbers from Afghan Information Minister Attaullah Tarar, 415 soldiers with the Taliban have died and 580 have been injured. Republicans support and Democrats oppose Iranian attack Here in the United States, there's a sharp partisan divide with Americans concerning the latest war with Iran.   An Ipsos/Reuters survey finds that 55% of Republican voters are in favor of the U.S. attack on Iran. Only 13% opposed it. And 7% of Democrats support the attack while 74% oppose.  Thus far, as of Monday — the casualties racking up in the war include 555 Iranian deaths, 31 Lebanese deaths, 10 Israeli deaths, and 4 American deaths.  Time on Doomsday Clock Ever heard of The Doomsday Clock?  Sponsored by the Bulletin of Atomic Scientists, it warns the public about how close we are to destroying our world with dangerous technologies of our own making. It is a metaphor, a reminder, of the perils we must address if we are to survive on the planet. As of January 2026, the Doomsday Clock was moved to T-minus 85 seconds.  That's down from 17 minutes in 1992, and 5 minutes in 2012.   China, Russia, and France's place in the nuclear arms race Recent estimates put China's spending on its nuclear arsenal at $12.5 to $14 billion for 2024 and 2025. The communist country is outspending every nation except the United States. News reports point to Russia's development of a nuclear weapon to be detonated in space. And, just yesterday, French President Emmanuel Macron announced plans to increase the size of the French nuclear arsenal, as the second nuclear arms race progresses. Psalm 46:8-9 instructs us to “Come, behold the works of the Lord, Who has made desolations in the Earth. He makes wars cease to the end of the Earth; He breaks the bow and cuts the spear in two; He burns the chariot in the fire.” Evidence a Mexican cartel bribe Mexican politicians Mexico's El Universal newspaper carried pictures of the ledgers found in the cabin of the late drug lord Nemesio Cervantes, known as “El Mencho.” The ledgers included references to Mexico's Attorney General's Office as well as members of military and state agencies.   Mexican journalists have explained that the Jalisco New Generation Cartel has bankrolled political campaigns of Mexico's ruling party members in the National Regeneration Movement in exchange for relative immunity,  reports Breitbart. War Secretary Hegseth ends cooperation with woke Ivy League schools As The Worldview reported last month, Secretary of War Pete Hegseth cut ties between Harvard and the Pentagon, discontinuing military-sponsored and funding of graduate-level education programs.  Now, the War Department has announced no more cooperation with the rest of Ivy League schools. Secretary Hegseth explained the reason for this. HEGSETH: “Our senior service colleges have always been expected to act in the interest of this principle, to transform our senior war fighters into strategic thinkers, capable of mastering the complexities of modern warfare, and leading our joint force to victory at every echelon. Unfortunately, this sacred trust has been broken in this military's professional military education system. “For decades, the Ivy League, and similar institutions, have gorged themselves on a trust fund of American taxpayer dollars, only to become factories of anti-American resentment and military disdain. They've taken our best and brightest, the men and women who pledged their lives to this nation, and subjected them to a curriculum of contempt. “They've replaced the study of victory and pragmatic realism with the promotion of ‘wokeness' and weakness, they've traded true intellectual rigor for radical dogma, sacrificing free expression for the suffocating confines of leftist ideology.” As of last week, the Pentagon has also reached an agreement with Scouting America (including the Boy Scouts and Girl Scouts), to move away from what they call “diversity initiatives” and woke policies. Trust in U.S. government at 17% Among Americans, trust in the federal government has hit its lowest levels in seven decades — now at 17%. That's down from 77% in 1964, according to Pew Research's latest numbers. Oregon Democrats block bill to protect babies who survive abortions Oregon Democrats blocked a bill that would have given babies a chance to survive after a failed abortion. House Bill 4087, or the Born-Alive Infants Protection Act, mandated that infants who survived a botched abortion be afforded the “same degree of professional skill, care and diligence … that a reasonably diligent and conscientious health care practitioner would render to any other child born alive at the same gestational age.” Oregon Right To Life Executive Director Lois Anderson  laid out the inhumanity of the state's abortion law. ANDERSON: “Later abortions are currently legal in Oregon. There are no restrictions, no protections for unborn babies up until birth. And even if they survive an abortion procedure, they are not protected and required to be given medical treatment. “We know, from not only polling, but anecdotal information, and all of these candidates and discussing with Oregonians, that they would support this kind of legislation.” Micah 6:8 reminds us to “to do justly, and to love mercy, and to walk humbly with thy God.” “I Can Only Imagine 2” movie lands #3 at the Box Office And finally, “I Can Only Imagine 2,” hit movie theaters this past weekend. The sequel focuses on the Christian band MercyMe and its famous “Even If” song, which lead singer Bart Millard said was written during a tough period in his life.   “I know You're able and I know You can Save through the fire with Your mighty hand But even if You don't My hope is You alone I know the sorrow, and I know the hurt Would all go away if You'd just say the word But even if You don't My hope is You alone” In 2014, Bart Millard and his wife learned that their young son, Sam, had been diagnosed with Type 1 diabetes, a chronic and life-threatening autoimmune disease. Sam's blood sugar levels were dangerously high, and he was hospitalized. Doctors warned that managing the disease would be lifelong and complex. For Bart, who had spent years singing about faith and trust in God, the situation shook him deeply. He later admitted that he struggled emotionally and spiritually. The crisis forced him to confront hard questions about faith in the face of suffering — especially when prayers do not bring immediate healing. Listen to comments he made to CBN. MILLARD: “These two songs in particular, “Imagine” and “Even If,” were written out of some difficult seasons of my life. Not all songs are written that way, but my therapy is working issues out through my songs. The ones that mean the most to me have come out of some pretty painful places and been therapeutic for me.” The idea for the song “Even If” came from Daniel 3:16-18. It says, “Shadrach, Meshach and Abednego replied to King Nebuchadnezzar, ‘We do not need to defend ourselves before you in this matter.  If we are thrown into the blazing furnace, the God we serve is able to deliver us from it, and He will deliver us from your Majesty's hand. But even if He does not, we want you to know, your Majesty, that we will not serve your gods or worship the image of gold you have set up.'” “I Can Only Imagine 2” was #3 at the box office, grossing around $8 million. Watch the trailer and get your tickets at the website  www.ICanOnlyImagine.com. Close And that's The Worldview on this Tuesday, March 3rd, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ. Extra print story U.S. State Dept shedding the light of freedom for Europe The U.S. State Department is on the verge of launching an online portal to fight European censorship. The site, Freedom.gov, will allow Europeans to access content that has been banned by the European Union.  The Times reported, “This includes criticism of the Online Safety Act in the UK and the European Union's Digital Services Act, which force platforms to remove illegal content and harmful speech or face steep fines.” One official at the State Department added, “Digital freedom is a priority for the State Department, and that includes the proliferation of privacy and censorship-circumvention technologies like Virtual Private Networks.” 

Understanding the Drone War w/ AFSOC Pilot/Drone Expert Nolan Peterson. Khamenei is Dead. Calls for Impeachment. Graham: Cuba is Next. Hegseth vs Ivy League.  The war is on. The U.S. and Israel are continuing major strikes against Iran in what the Pentagon is calling Operation Epic Fury—killing the Ayatollah and triggering a cascade of drone attacks, friendly fire incidents, and four American service members killed in action (so far), while Trump threatens boots on the ground and Congress was home for the weekend and never even bothered to vote on it all. This is not working, America.  In this episode of Independent Americans, Paul Rieckhoff explains and makes sense of the choas–and is joined by returning champion Nolan Peterson—Non-resident Senior Fellow at the Center for European Policy Analysis, former Air Force Special Operations pilot combat vet, war reporter, Pentagon defense consultant, and co-founder of American Veterans for Ukraine—to explain what is really happening in the skies over Iran, the drone war already reshaping modern combat from Kyiv to Tehran to Tel Aviv, and what could be coming to our own shores from an aviation and drone expert who has spent over a decade living in Kyiv through full-scale war. Paul and Nolan unpack the three ways drones are transforming warfare: tactical battlefield dominance; unconventional strategic operations like Ukraine's Operation Spider Web (which you need to know about), and the reimagining of strategic air power via cheap, mass-produced drones. They confront the nightmare scenario generated by the Iran war of an adversary using that same technology to strike the American homeland and examine what it means that the Pentagon just kicked AI company Anthropic out for refusing to put AI into the kill chain—right before launching a new war. This is the show for people who refuse to zone out, digging into the failures of Congress, the human cost borne by military families, and Nolan's emotional reflections on welcoming home the next generation of veterans; Episode 453 is raw, urgent, and essential listening.  Skip the corporate and partisan media. They can't be trusted. Especially in times like this. Hook into Independent Americans, declare your independence and stay vigilant.  -WATCH full video of this episode here. -See Nolan's Bio and follow him on X.  -To help the families of our fallen servicemembers in this time of unimaginable pain and loss, support the heroic work of Tragedy Assistance Program for Survivors (TAPS): https://www.taps.org  -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Learn more about American Veterans for Ukraine here. Connect with Independent Americans: Subscribe on YouTube, Spotify, Apple Podcasts, and all podcast platforms Read more at Substack Support ad-free episodes at Patreon  Connect: Instagram  • X/Twitter • BlueSky • Facebook  Follow on social: @PaulRieckhoff on X, Instagram, Threads, and Bluesky -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   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 and 188 world nations. He has a list show guests and keep 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  1:04   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 2  1:38   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 GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   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. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Washington Post personal finance columnist, Michelle Singletary, tells the moving story of how a visit to her grade school by the Reverend Jesse Jackson inspired her life and career as described in her column, “How the Rev. Jesse Jackson Taught Me to Keep Hope Alive." Then Ralph welcomes Professor Eric S. Fish from U.C Davis School of Law to explain how grand juries are no longer rubber-stamping frivolous cases brought to them by the Trump Administration. Plus, Ralph gives us his take on Trump's marathon State of the Union speech and the Democratic response.Michelle Singletary writes the nationally-syndicated personal finance column “The Color of Money,” which appears in the Washington Post on Wednesdays and Sundays. In 2021, she won the Gerald Loeb award for commentary. She has written four personal finance books, including, What to Do With Your Money When Crisis Hits: A Survival Guide and The 21-Day Financial Fast: Your Path to Financial Peace and Freedom.The Trump administration's destruction of diversity, equity, and inclusion—they misunderstand what that means. It doesn't mean that you're giving jobs to people who are unqualified. It means that you recognize that the playing field wasn't even, and let's even this playing field. I liken it to a football team. You can't have a football team of all quarterbacks and win. You have to have a quarterback, a running back, a linebacker, you have to have a good kicker. It's the same thing—your team has to encompass people that represent all kinds of abilities to have a winning team. So DEI isn't a giveaway. It isn't charity. It recognizes that when you have people from different backgrounds and different perspectives and different skill levels, you have a winning team.Michelle SingletaryEric S Fish is professor of law at the UC Davis School of Law. Professor Fish's primary research is in criminal law, with particular focus on the ethical duties of participants in the criminal process, the structure of immigration crimes, and the system's emphasis on administrative efficiency. He has also served as a public defender, first with the San Francisco Public Defender's Office, and later as a Federal Defender in San Diego.This has been a really remarkable series of rejections of the Trump administration's prosecutions by ordinary people serving on grand juries, and one that is largely unprecedented in modern American history. I can't think of another example of grand juries rejecting such high-profile cases (and so many of them). Nothing really comes to mind. So in a certain sense, one might say this is the grand jury's original purpose…Initially they were a democratic institution of governance. They were a local check on the colonial oppression of the British (at least in the early colonial period). They refused to indict prosecutions under the Stamp Act, under the revenue laws. They were a tool of anti-colonial resistance to British oppression, and this seems at least broadly analogous to that—local grand juries in places like Minnesota, Chicago, Washington, D.C. are rejecting the Trump administration's attempts to prosecute its political enemies and bring trumped-up charges against protesters.Eric S. FishAll in all, [the State of the Union address] was fodder for political scientists for years to come. A dictatorial serial law violator, self-enriching chronic liar, cruel, vicious to vulnerable people and people without power (which is a majority of the people) elected dictator. This speech—which went for one hour and 48 minutes, the longest State of the Union speech ever—will be analyzed for a long time with the question at the center of the analysis being: How could so many tens of millions of voters be taken in by Trump's mouth, his lies, his false statements, his fantasies, his fake promises, his lack of any kind of record, whether as a businessman where he used bankruptcies as a strategy…and his record as a politician in his first term? That's the question we have to ask ourselves. And it's too easy to say that the Trump voters couldn't stand the Democrats who abandoned them. That's not enough. They could have not voted for Trump. They could have written in a vote. They could have voted for the Green, Libertarian, or other minor parties. They can't use the Democrats as a 100% excuse for voting for Trump. And a lot of them didn't. They just liked Trump. They liked his prejudices. They liked his lies. They liked his fantasies. They liked his fake promises.Ralph NaderNews 2/27/26* Our top stories this week come to us from our southern neighbor, Mexico. First, on February 22nd, Mexican authorities announced they had successfully conducted an operation resulting in the death of Nemesio Rubén Oseguera Cervantes, aka “El Mencho,” who headed the powerful Jalisco New Generation Cartel (CJNG). In retaliation, the cartels launched a wave of violence throughout the country. Bafflingly, given the obvious enmity between the cartels and the government of Claudia Sheinbaum, Elon Musk implied that Sheinbaum is in the pocket of the very drug cartels with whom she is practically at war. Reuters reports Musk “responded to a 2025 video of Sheinbaum discussing cartel violence and alleged that she was ‘saying what her cartel bosses tell her to say.” Reuters notes that Musk did not provide further evidence. In fact, much of the strength of the Mexican cartels would actually be more accurately attributed to the United States. As USA Today writes, Mexican officials recovered a rocket-propelled grenade launcher, 10 long arm [rifles], handguns, and grenades, from El Mencho's weapons stockpile. Mexican Defense Minister, Ricardo Trevilla Trejo estimated that about 80% of the recovered weapons were purchased in the United States and smuggled into Mexico. This represents just the tip of the iceberg of the so-called “iron river” of firearms flooding Mexico's black market from the U.S. As opposed to the lax gun laws in the states, gun ownership in Mexico is “tightly restricted…[and] There is only one military-run gun store in the country.”* Meanwhile, President Sheinbaum is bucking American pressure by continuing to send humanitarian aid to the tiny, embattled island nation of Cuba. AP reports that last week, “Two Mexican Navy ships laden with humanitarian aid docked in Cuba…two weeks after…President Donald Trump threatened to impose tariffs on countries that sell oil to the island.” These ships carried 800 tons worth of bundles of “Made in Mexico” goods, including rice, beans, amaranth and crackers — complemented by a bottle of oil, large cans of sardines and canned peaches. Another 1,500 tons of powdered milk and beans are expected to be sent to Cuba in the coming days. The U.S. has taken a more bellicose line with Cuba than it has in quite some time, even taking naval action in the waters surrounding the island, making Mexico's support that much more critical.* In another Cuba story, a diplomatic incident is unfolding this week regarding a Florida-registered speedboat. According to the island's government, the boat, carrying 10 passengers, entered Cuban territorial waters and opened fire on Cuban soldiers. The Cubans responded in kind, killing four people aboard the craft and wounding six others. According to the Cuban authorities, most of the passengers “have a known history of criminal and violent activity.” These include Amijail Sánchez González and Leordan Enrique Cruz Gómez, both wanted by Cuban authorities based on their involvement in “the promotion, planning, organization, financing, support or commission of…acts of terrorism.” The Cubans also claim to have arrested one Duniel Hernández Santos, who was supposedly “sent from the United States to guarantee the reception of the armed infiltration.” They claim Hernández Santos has confessed. American authorities have so far evinced confusion more than anything else, with Secretary of State Marco Rubio saying “We're going to figure out exactly what happened.” This from AP.* Whatever cloak and dagger games the administration may be playing in the Caribbean, they have been pointedly unsubtle about their saber rattling regarding Iran – and the reaction from Congress has been meager. While anti-war members in the House and Senate are pushing war powers resolutions, namely Representatives Ro Khanna and Thomas Massie along with Senator Tim Kaine, not even the nominal opposition party is supporting these efforts. According to Capital & Empire, Democrats are seeking to “dampen momentum” and even “prevent the Iran war powers vote from advancing.” Democrats Josh Gottheimer and Jared Moskowitz, both arch Iran hawks, have publicly stated they will not back the war powers resolution, and many others have sought to split the difference, saying Trump should only move on Iran after consulting with Congress. As the Hill notes, the Senate did pass a war powers resolution restricting the president's use of military force against Iran without congressional approval during Trump's first term, with eight Senate Republicans backing the Democrats in support of the bill. It is hard to imagine such a bipartisan show of force this time around.* In more disappointing congressional news, on Tuesday the House voted down the bipartisan ROTOR Act, which would have beefed up aviation safety standards, NPR reports. This bill was drafted in the wake of the deadly midair collision over Washington D.C. last year. This bill, principally authored by Senator Ted Cruz, who chairs the Senate Commerce Committee which oversees transportation, would have required wider use of Automatic Dependent Surveillance–Broadcast – safety technology designed to transmit an aircraft's location to other aircraft. The Senate unanimously passed the bill in December, with the support of the Defense Department – now styling itself the Department of War – but the Pentagon yanked its support just before the House vote, citing “unresolved budgetary burdens and operational security risks.” The final House vote was 264 in favor and 133 opposed, 132 Republicans and Democrat Lizzie Fletcher of Texas. Despite the lopsided majority in favor, the bill needed a two-thirds vote to pass and was therefore defeated by the minority.* In another aviation related story, FBI Director Kash Patel is embroiled in a new scandal based on his alleged misuse of the FBI's Gulfstream jets for personal travel. CNN reports Patel's frequent jetsetting has even caused delays or issues in high-profile investigations, such as the assassination of rightwing commentator Charlie Kirk and the Brown University shooting last December. According to a letter authored by Senator Dick Durbin, Patel's incessant misuse of the official FBI planes for personal travel “has even frustrated White House and DOJ senior staff.” This story hits particularly hard at the present moment, with images of Patel chugging beer in the locker room celebration of the Olympic men's hockey team going viral. The FBI then had to spend days running cover for Patel, claiming the director was in Italy for “long-planned official business,” which just happened to coincide with the occasion.* Our next two stories concern AI. First, a new Public Citizen report documents how the AI industry is deploying a veritable army of lobbyists on Capitol Hill, absolutely dwarfing not only their opposition, but practically every other industry as well. According to this report, more than one quarter of all federal lobbyists are now lobbying on AI issues, representing a rise in lobbyist activity on AI issues of more than 265 percent over the past three years. This report finds the Chamber of Commerce hired the most AI lobbyists in 2025 at 91, followed by Microsoft at 63, Meta at 55, Intuit at 51, and Amazon at 48. This meteoric rise in AI lobbying activity is sure to give the industry massive firepower in the halls of Congress, ensuring a favorable regulatory environment for years to come. This will be particularly critical for data centers, which have faced a rash of local opposition. Per this report, that particular subset of the AI lobbying industry has expanded by a staggering 500 percent since 2023.* For all its newfound political clout however, the AI business seems to have found itself a formidable new opponent – Pope Leo XIV. This week, Pope Leo addressed priests from the Diocese of Rome and implored them to resist “the temptation to prepare homilies with Artificial Intelligence.” The pontiff argued “Like all the muscles in the body, if we do not use them, if we do not move them, they die. The brain needs to be used, so our intelligence must also be exercised a little so as not to lose this capacity.” He added that “to give a true homily is to share faith,” and that AI “will never be able to share faith.” This from Vatican News.* Turning to media news, this week, Paramount submitted a new offer to purchase Warner Bros. Discovery. According to the Hollywood Reporter, Paramount's new bid amounted to $31 per share and, following a period of consultation with the Warner board of directors, this offer was deemed “superior” to the proposed deal with rival bidder Netflix. This triggered a clause in the Netflix merger agreement giving the streamer four days to submit a new, superior offer. However, that same day Netflix issued a statement officially declining to submit a new, higher offer, with representatives writing “the price required to match Paramount Skydance's latest offer,” means “the deal is no longer financially attractive.” With Netflix out of the way, Paramount, led by Trump-aligned billionaire scion David Ellison, will now proceed with their acquisition of Warner Bros., including their prodigious intellectual property back catalogue and the cable news titan, CNN. A friendly relationship with the Trump administration means regulators are unlikely to hold up this deal. The Ellisons have already acquired CBS News, installing Bari Weiss as “editor-in-chief.” It seems likely they will follow a similar playbook regarding CNN.* Our final stories this week concern the continuing fallout of the Epstein scandal. This week saw the arrest of former British-U.S. ambassador Peter Mandelson, joining Andrew Mountbatten-Windsor (formerly Prince Andrew) in the collection of high profile British individuals arrested in connection with the Epstein scandal. Meanwhile, at Harvard, former University President Larry Summers will resign from his academic and faculty appointments, including his University Professorship, at the Ivy League school following the conclusion of this academic year. Until then, he will remain on leave, per the Crimson. Summers regularly exchanged messages with Jeffrey Epstein about topics ranging from women, to politics, to Harvard-related matters as late as July 2019, the day before Epstein's final arrest. But the most noteworthy Epstein-related news this week came from Chappaqua, New York. On Thursday and Friday, Bill and Hillary Clinton testified about their relationships with the late financier and sexual predator. After much wrangling, these potential blockbuster hearings were held behind closed doors on the Clintons' home turf. What exactly was said remains shrouded in mystery. According to the BBC, House Oversight Committee Chair James Comer said he hopes to make videos of both Hillary and Bill Clinton's depositions publicly available soon. Robert Garcia, the Democratic Ranking Member on the committee, said a “new precedent” had been set by calling a former president to testify and demanded that Trump be called to testify before the committee next. We shall watch this space.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

On this Friday Q&A episode, Don answers listener questions on international stock overweighting inside a Seattle city retirement plan, whether a Vanguard target-date fund might be a smarter emotional guardrail than self-managing allocations, how much term life insurance a family really needs (hint: it's about replacing income, not funding Ivy League dreams), whether an aggressively small-value–tilted Avantis portfolio is too risky for a disabled early retiree, and how to evaluate a $36,000 pension annuity versus a $500,000 lump sum using withdrawal math instead of Monte Carlo optimism. The recurring theme: feelings aren't an edge, discipline beats prediction, and structure matters more than conviction. 0:09 Fewer recorded questions lately and how to submit them 1:41 Seattle city employee overweighted in international stocks 3:36 Why “historic pivots” and gut feelings aren't an investing edge 4:50 Target-date fund vs. self-built allocation 7:27 Using small-cap/value funds alongside a target-date fund 9:15 Risk tolerance vs. emotional market timing 10:53 How much term life insurance is enough? 12:35 Replacing income vs. funding lifestyle extras 12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review 15:50 What happens if your portfolio drops 50%? 17:10 Pension choice: $36k annuity vs. $500k lump sum 21:29 The 41-year math on the lump-sum difference 22:52 Why lump sum often makes you the “insurance company” Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the difference between a mistake… and a bad decision? My guest knows this only too well. Tom Hardin has been on the show several times before. As Tipper X, he wore a wire for the FBI and helped build the largest insider trading investigation in US history. Since then, he has spent nearly a decade speaking to organisations around the world about slippery slopes, rationalisation, and how good people drift into serious trouble. In this episode, he returns to discuss his new book, Wired on Wall Street. The book goes beyond the insider trading case many listeners already know. It explores the ambition, insecurity and desire for status that shaped his early career, and the patterns he only recognised years later when writing it down. For the first time on a podcast, Tom is also joined by his wife, Sue. She played no role in the trades that changed his life, but her life was dramatically altered by them. She reflects on discovering the truth, keeping a secret that wasn't hers, facing sentencing uncertainty, and what it means to rebuild together. This conversation isn't really about insider trading; it's about character.Key ThemesWhy calling something a “mistake” can soften accountabilityThe psychology of slippery slopes and rationalisationStatus anxiety and the need to belongResume virtues vs eulogy virtuesShame versus guilt — and why the distinction mattersThe hidden impact of ethical failure on spouses and familiesWhat writing a book can reveal that telling a story on stage cannotThe freedom that comes from having nothing left to hideTom's story is unusual; the human dynamics behind it are not.AI-Generated Timestamped Summary00:00 – More than insider tradingWhy this conversation is about character — guilt vs shame, mistakes vs bad decisions, and the cost of ethical drift. 02:30 – The story in briefTom recaps becoming “Tipper X” and helping build the largest insider trading investigation in US history. 03:15 – Why write the book now?After a decade of speaking, Tom explains what finally pushed him to put the full story — childhood, ambition, insecurity — on paper. 08:00 – The deeper patternFrom Georgia to the Ivy League to hedge funds: the outsider mindset, status anxiety, and the slippery slope. 16:00 – Small decisions, big consequencesEarly corner-cutting, rationalisation, and the fraud triangle in action. 26:00 – Resume virtues vs eulogy virtuesHow Tom's definition of success changed — and the difference between shame and guilt. 31:00 – A simple test for integrityOne question that could replace most Codes of Conduct:Are you willing to be held accountable for this decision? Sue's Perspective 40:30 – The night she found outShock, disbelief, and the future collapsing in an instant. 44:00 – Keeping a secret that wasn't hersWhite lies, reputational fear, and the strain of silence. 49:00 – Sentencing dayWhy she insisted on being there — no matter the outcome. 52:30 – Reinvention and resilienceStay-at-home dad years, ultramarathons, and rebuilding a life together.LinksWired on Wall Street: www.tipperx.com/bookTipper X Website: www.tipperx.comTom's previous appearances on the show:Tom's experience as FBI Informant Tipper X - https://www.humanriskpodcast.com/tom-hardin-on-his-experience/Turning Crime Into A Calling - https://www.humanriskpodcast.com/tom-hardin-on-turning-a-crime-into-a-calling/Tom's Substack: https://substack.com/@tipperxTom on LinkedIn: https://www.linkedin.com/in/tipperx/

In this episode, we sit down with Tom Hardin, also known as "Tipper X," the former hedge fund analyst who became one of the most prolific informants in the largest insider trading crackdown in U.S. history. Tom walks us through his journey from rule-following soccer referee in Georgia to Ivy League graduate and rising Wall Street analyst—before crossing the line into insider trading at age 29. What makes this conversation so compelling is not just the crime, but how ordinary it felt at the time. Tom explains how small rationalizations, cultural pressures, ambition, and the normalization of questionable behavior gradually eroded his ethical boundaries. After being arrested and recruited by the FBI, he wore a wire 48 times and helped build over 20 cases in Operation Perfect Hedge, exposing widespread misconduct across the hedge fund industry. We explore the psychology of ethical failure, the "fraud triangle," moral licensing, and the difference between ethics in the classroom and ethics in the real world. Tom also reflects on redemption, forgiveness, mentorship, and how he now defines success after losing his finance career.   Key Points From This Episode: (0:04) Introduction to Tom Hardin, former hedge fund analyst turned FBI informant. (5:15) Tom's conviction: One count of securities fraud and one count of conspiracy after four illegal trades netting $46,000. (6:11) Early life as a rule-following soccer referee and how ambition shaped his identity. (8:07) The hedge fund world as a meritocracy—high pressure, high stakes, and performance-driven culture. (9:13) How insider trading networks operated openly in certain hedge fund circles. (12:21) The legal definition of insider trading: material non-public information and breach of fiduciary duty. (15:25) How difficult it is to consistently generate returns without some form of edge. (16:26) The first insider tip—and the rationalizations that followed. (19:03) The "fraud triangle": pressure, opportunity, and rationalization. (22:16) Placing the first illegal trade—and feeling almost nothing. (24:39) Peer validation and the normalization of wrongdoing. (28:38) The 6:30 a.m. arrest and being approached by the FBI. (31:43) Deciding to cooperate—and becoming "Tipper X." (36:24) Learning to wear a wire and extract incriminating statements over multiple meetings. (38:26) Inside Operation Perfect Hedge: 81 individuals charged, 32 cooperators. (39:28) The chilling effect on hedge funds and the possible decline of illicit "edge." (42:12) Being publicly unmasked as Tipper X and the personal cost to his family. (44:02) Why ethical failures are incremental—not sudden transformations. (45:11) The gap between academic ethics and real-world psychological pressure. (46:57) The role mentorship could have played—and how culture shapes behavior. (50:29) Tom's view on hedge funds for retail investors: high fees, limited liquidity, and questionable value. (52:04) Ethical drift, rationalization, and warning signs to watch for. (52:35) Redemption: Owning mistakes fully and learning to forgive yourself. (55:02) Redefining success—relationships, honesty, and meaningful contribution.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dan Bortolotti — https://pwlcapital.com/our-team/ Dan Bortolotti on LinkedIn — dan-bortolotti-8a482310  Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

IMS Radio – Be The Best Podcast – Season 1, Episode 3 Current Maryland midfielders Zach Whittier and Aiden Aitken join the podcast to talk about their recruitment to Maryland, who they see as unsung teammates, and their favorite off-field memories about the team. We recap last week's 13-12 loss to Princeton, as well as Harvard's win over Syracuse, Navy's win over Penn State, and Johns Hopkins' loss to North Carolina. We then preview Maryland's upcoming home game against second-ranked Notre Dame.  Finally, we close out with our picks for the upcoming weekend. The Ivy League and ACC do their crossover weekend with Penn hosting top-ranked North Carolina and Princeton hosting Syracuse on Friday. On Sunday, the opponents flip with Syracuse heading down to Penn and North Carolina heading up to Princeton. We also discuss Richmond's visit to Cornell and Ohio State's trip to Georgetown. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

You've committed to aiming high.You've accepted the hard work.So why does something still feel tense beneath the surface?In this final episode of the series, we uncover the third bottleneck to high performance: fear. Specifically, the three forms that shape how ambitious teens approach college admissions:Loss pain – What might I lose if I go all in?Process pain – What will this journey cost me emotionally?Outcome pain – What if I do everything right and it still isn't enough?You'll learn why attaching your identity to a single admissions decision creates unnecessary pressure — and how shifting your focus from “Where will I get in?” to “Who am I becoming?” removes desperation while making you more competitive.This episode ends with a powerful journaling exercise designed to help you confront fear and move forward with clarity and confidence.-----To register for the Ivy League Challenge, visit our websiteTo follow on Instagram:  @TheIvyLeagueChallengeTo join us on our Facebook group for parents

Are you watching the IVY League?  Well you should be, and we have an alum who is an IVY Champ in 2026, 1st ever meeting in a dual for these two teams, the text book front double full fronts continues, another bar ninja and bounder on floor that Kim is head over heels about... that and more let's RAP      

Send a textWhat if bravery isn't something you're born with—but a skill you can train?In this powerful and deeply thoughtful conversation, Joey Pinz sits down with Jill Schulman, a former U.S. Marine Corps officer, positive psychology expert, and author of The Bravery Effect. Together, they explore what bravery really is, why fear never goes away, and how choosing action—especially when it's uncomfortable—can radically improve performance, fulfillment, and well-being.Jill breaks down the science behind bravery, explaining how taking action rewires the brain, builds confidence, and strengthens self-belief over time. She shares powerful stories from her military background, her Ivy League education in positive psychology, and her recent TEDx experience—revealing why courage often comes before confidence, not after.The conversation also dives into leadership, personal growth, and why avoiding discomfort may actually fuel anxiety and dissatisfaction. From decision-making and self-agency to discipline, consistency, and building a “brave tribe,” this episode offers practical, evidence-based insights you can apply immediately.If you've ever felt stuck, hesitant, or unsure about taking the next step—this episode will challenge you to rethink fear and redefine what's possible. 

Transcript:Hey Friends and Supporters of Christ Redeemer Church! This is Pastor Don from Hanover, NH. Hope all is well with you!  Just a quick update on CRC's building project…God is on the move here in New England. We've already cleared massive legal hurdles to become the first new church approved for a building in this Ivy-League town in over 60 years. Now, the only thing standing in the way from making our dream a reality is funding. And good news: We are less than $100k away from meeting a matching challenge which would put us in range for breaking ground this spring. But we need your help! Could you make a last-minute push for pledges and donations? Spread the word!  Anything we bring in over the match will significantly reduce our financing costs. This will give us elbow room to expand our ministry from this strategic Ivy-League community. It will allow us to train and send more people with global leadership capabilities. The deadline of February 28th is fast approaching. Donate, pledge, and encourage others to do the same! For more info or to give, click on link in this post or visit christredeemerchurch.org/flourish." Thank you so much for partnering with us! Jesus said: “Upon this Rock I will build my church, and the gates of hell with not prevail against it.”~Matthew 16:18

Over the past year, the Trump administration has rewritten the playbook for how Washington interacts with higher education, especially elite universities.How should universities respond to the Trump administration's efforts? Have the Trump administration's actions been legal? And how can universities better serve the American public?On this episode of The Report Card, Nat Malkus discusses these questions and more with Lee Bollinger. Nat and Lee discuss the purpose of large university endowments, the meaning of the Ivy League today, university hiring, whether elite universities should double their undergraduate enrollments, the scholarly temperament, whether there is a tension between serving the public and the research missions of universities, the relationship between Washington and universities in the pre-Trump era, how universities can better convey their value to the American people, and the best evidence in favor of affirmative action.Lee Bollinger is the Seth Low Professor at Columbia University and the author of University: A Reckoning. Previously, he was President of Columbia University and President of the University of Michigan.

On the heels of Sunday's biggest story — that Georgetown's visit to Notre Dame was not streamed — IL's Terry Foy and Nick Ossello hop on the mic to discuss not just the Irish's win over the Hoyas, but an insane slate of Saturday results: Harvard's first-ever program win over a No. 1, Syracuse Princeton's first win over Maryland since 2004, avenging the senior class's five losses to the Terps The rest of the Ivy League's sweep, specifically Yale, Brown and Cornell's wins Navy's surprising win over Penn State featuring Mac Haley's heroics With all that on the docket, they end by discussing who should be No. 1 in Monday's KANE Media Poll.

Stephen Grootes speaks to Brad Latilla-Campbell, Country Manager at Crimson Education about the growing number of South African students gaining admission to top US universities and the role Crimson Education is playing in that pipeline. As competition for places at Ivy League institutions intensifies globally, more high-performing local graduates are seeking structured guidance on applications, scholarships and positioning themselves for elite programmes. This platform works with ambitious students aiming for highly selective universities in the United States, helping them navigate admissions strategies, standardised testing, and funding pathways. The trend reflects both the globalisation of higher education and the increasing appetite among South African families to access world-class academic networks abroad. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Chris Markowski discusses the importance of understanding financial reality, the principles of Adam Smith's capitalism, and the moral philosophy behind economics. He critiques the current state of government involvement in the economy, the retirement crisis facing Gen X, and the flaws in traditional investment strategies. Markowski also highlights the entertainment nature of financial media and the missteps of private equity firms, particularly in relation to Ivy League investments. The episode concludes with a discussion on the implications of Goldman Sachs' connections to Jeffrey Epstein and the broader issues of accountability in the financial sector.

Michael Hoecht joins the Centered on Buffalo podcast for a candid, in-depth conversation with host Eric Wood!The versatile Buffalo Bills defensive end/outside linebacker opens up about his Achilles injury from the 2025 season against the Chiefs, his current rehab grind in Buffalo, staring at the new stadium while recovering, and his clear goal to be ready for Week 1 in 2026.Hoecht shares his excitement about playing in new defensive coordinator Jim Leonard's scheme — including the move toward more 3-4 fronts, how Ed Oliver fits perfectly (with Aaron Donald-style comparisons), building the defense around talent, creative pressures and stunts from his Rams experience, and why modern 3-4 looks are all about athleticism and movement rather than massive nose tackles.He reflects on his unique journey: Ivy League roots at Brown, dropping from 310 lbs as a three-technique to 270 lbs as an outside linebacker, his first-ever coverage drop against Travis Kelce at Arrowhead, the six-game suspension, exploding back onto the field against the Panthers, and the legendary sideline energy after his injury that endeared him to Bills Mafia.The Centered on Buffalo Podcast is sponsored by:Dan-O's Seasoning Follow Dan-O's Seasoning on Social @danosseasoning  https://danosseasoning.com/product/eric-woods-bundle/  15% off code: ewoodNugsax Reusable Icenugsax.com10% Off CODE: buffalo

Send a textPrinceton starting goalie Ryan Croddick joins the show to talk about his winding path to the Ivy League — from being told not to bring his field stick anymore in youth lacrosse, to committing to Richmond, to getting a last-minute call from Princeton. Ryan shares how growing up playing hockey and battling his brothers in the backyard made him fearless in the cage, what he learned backing up Mike Gvozden for two years, and the pregame gratitude walk he does with teammates before every game. We also get into his juggling routine, how he uses baiting on late turns and from X, scouting shooters without overthinking it, working on hockey-style footwork behind the cage, and what Princeton is building as they chase a national championship this season.Support the show

Mike tracks the interstate absurdities created by the EPA's repeal of emissions standards. Buy a car in Iowa, and by the time you hit Illinois, you're dodging an environmental, legal, and ideological patchwork quilt. Then, it's the grand opening of a brand new Cultural/ Podcast institution! Author and critic Kat Rosenfield joins Mike to cut the ribbon on the "Museum of Bad Ideas." Today's inaugural exhibit: Harvard University's proposal to introduce the "A+" grade. With 60% of Harvard students already getting A's, is the solution really to just add an 11 to the grading dial? Mike and Kat break down the customer-service model of higher education, the loss of youth resilience, and why the Ivy League's meritocracy is starting to look a lot like Spinal Tap's volume knob. Produced by Corey Wara Video and Social Media by Geoff Craig Do you have questions or comments, or just want to say hello? Email us at ⁠⁠⁠⁠thegist@mikepesca.com For full Pesca content and updates, check out our website at https://www.mikepesca.com/⁠ For ad-free content or to become a Pesca Plus subscriber, check out ⁠⁠⁠⁠https://subscribe.mikepesca.com/ For Mike's daily takes on Substack, subscribe to The Gist List https://mikepesca.substack.com/ Follow us on Social Media:⁠⁠⁠⁠ YouTube https://www.youtube.com/channel/UC4_bh0wHgk2YfpKf4rg40_g⁠⁠⁠⁠ Instagram https://www.instagram.com/pescagist/ X https://x.com/pescami TikTok https://www.tiktok.com/@pescagist To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/TheGist

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Gregory: I have the ability to recognize and reframe patterns.Startup failure rates have hovered around 90% for over 30 years. Gregory Shepard, Founder and CEO of Startup Science, decided to tackle this persistent challenge with a comprehensive, science-backed approach. His goal is nothing short of transformative: to reduce failure rates and create a better ecosystem for entrepreneurs.Gregory's research revealed that 47.1% of startups fail within the first 18 months, with the remaining failures often linked to poor decisions made during that critical period. “There's no industry I can think of that would be okay with 90% of the people trying to succeed failing,” he explained. “I decided to do something about it.”Startup Science offers a centralized platform where entrepreneurs, investors, mentors, and support organizations can connect and collaborate. Gregory has worked to eliminate fragmentation in the startup ecosystem by providing tools, resources, and education—all free for founders. This mission is fueled by his belief that entrepreneurship drives innovation and can create opportunities for people from all backgrounds.Gregory's commitment to democratizing entrepreneurship extends to the way he's raising funds for Startup Science. He's launched a regulated crowdfunding campaign on Wefunder, allowing anyone—not just accredited investors—to support his mission. “If somebody invests in Startup Science, you're investing into all of the startups that we're helping, which is 100,000 of them at the moment,” he said.Gregory's passion is deeply personal. Growing up in poverty, he understands the barriers many entrepreneurs face. That empathy drives his vision to create an accessible, equitable platform that empowers founders to succeed while transforming the global economy.By leveraging his scientific approach to analyzing startup success and failure, Gregory is helping entrepreneurs avoid predictable pitfalls and build sustainable businesses. His efforts could fundamentally reshape the entrepreneurial landscape, enabling innovation to thrive.To learn more or support this initiative, visit Startup Science's crowdfunding campaign. This is an opportunity to back a proven entrepreneur who's committed to doing good for the world.tl;dr:Gregory Shepard shares his mission to reduce startup failure rates with his platform, Startup Science.Startup Science connects fragmented startup ecosystem elements, offering free tools and resources for founders.Gregory discusses his scientific research on startup success and his passion for democratizing entrepreneurship.He highlights his Wefunder campaign, inviting anyone to invest in Startup Science and support entrepreneurs.Gregory explains his superpower, pattern recognition, and how it drives his success in building ecosystems.How to Develop Pattern Recognition As a SuperpowerGregory's autistic diagnosis has sharpened his ability to identify and reframe patterns; a skill he calls pattern recognition. “I have the ability to recognize and reframe patterns…startup science is a result of this,” he explained. Gregory sees connections others might overlook, enabling him to create solutions that integrate fragmented systems into cohesive ecosystems. He describes it as understanding how seemingly separate components interact, much like a solar system where the founder is the sun and other elements orbit around them.Gregory's superpower was pivotal in building and selling Affiliate Traction to eBay Enterprise Marketing Solutions. He noticed that affiliate marketing—now a cornerstone of influencer marketing—was fragmented, with disconnected tools and processes. Gregory envisioned a unified system and developed software that brought these elements together. By connecting the dots, he transformed the industry and created a successful company, later replicating this approach with other ventures.Tips for Developing Pattern Recognition:Identify the structure of a system or process by analyzing its components and relationships.Observe how elements interact within a system and look for inefficiencies or gaps.Reimagine connected systems as an ecosystem where all parts work collaboratively.Practice applying this framework in various contexts, from business to social environments.By following Gregory's example and advice, you can make pattern recognition a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Register Now!Guest ProfileGregory Shepard (he/him):Founder and CEO, Startup ScienceAbout Startup Science: Startup Science is the unified platform for the startup ecosystem, built to support founders and the organizations that help them succeed.We serve entrepreneurs, accelerators, universities, government programs, mentors, investors, and service providers in one connected system, so everyone operates with shared structure, shared data, and clearer outcomes.Entrepreneur Support Organizations work with Startup Science to provide modern program management infrastructure to run their cohorts, deliver consistent curriculum, track founder progress, and report measurable impact, without reinventing the process every cycle.Founders gain access to trusted education, tools, and ecosystem support in one place as they work with their advisors, software and service providers, and other key stakeholders to build their companies.Our mission is to bring clarity, coordination, and effectiveness to entrepreneurship at scale. Website: startupscience.ioCompany Facebook Page: facebook.com/bossstartupscienceInstagram Handle: @startupscience.io Other URL: wefunder.com/startupscienceBiographical Information: Gregory Shepard is a visionary entrepreneur and business leader who has built and sold twelve companies across BioTech, TransitTech, AdTech, and MarTech. In 2016, he sold two of his businesses in a landmark $925 million cross-brand deal, earning four private equity awards.In 2024, he published The Startup Lifecycle with Penguin Random House, receiving acclaim from global leaders and institutions. He has contributed over 100 articles to major publications, hosted Startup Science on Forbes Radio, and co-founded the Fulbright Entrepreneurship Initiative.A sought-after speaker, Shepard has delivered keynotes at TEDx, Ivy League universities, and top conferences worldwide. His personal journey—from overcoming dyslexia, neurodivergence, and poverty to becoming a serial entrepreneur—adds depth to his inspiring message.Committed to “altruistic capitalism,” he integrates social and environmental responsibility into business. His journey proves that with passion, resilience, and a willingness to challenge convention, extraordinary success is within reach.LinkedIn Profile: linkedin.com/in/gregshepardInstagram Handle: @gregshepard_ Personal Twitter Handle: @GregShepard_The Super Crowd, Inc., a public benefit corporation, is proud to have been named a finalist in the media category of the impact-focused, global Bold Awards.Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include rHealth, and SuperCrowd26 featuring PurposeBuilt100™️. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on March 17th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Billy Crow filling in for Susie Moore. - The good news for Wash-U: their on a list with a bunch of Ivy League schools. The bad news for them: that list is a collection of targets for funding cuts by the Trump Administration.- Festus City Councilman Mike Cook talks about what's going on regarding data centers, and addresses some of the concerns people have voiced. 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 Cassandra Lester. Purpose of the Interview The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy. Key Takeaways Mission of Grow Give Prosper Founded in 2023, focused on financial education and empowerment. Aims to help communities grow together, give to each other, and prosper collectively. Google Partnership Offers free career certifications in high-demand fields: Cybersecurity Data Analytics Digital Marketing & E-commerce IT Support Project Management UX Design Certifications are self-paced, online, and typically take 3–6 months. No prior experience required; participants receive a portfolio upon completion. Accessibility Scholarships are free; the only requirement is commitment. Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.). Registration via growgiveprosper.org (scroll to Google Career Scholarships). Impact Over 300 scholarships awarded; previously had 500. Designed to level the playing field for those without Ivy League degrees. Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential. Financial Literacy Defined as understanding financial concepts and applying them to daily life. Misconceptions persist—some communities avoid discussing money or undervalue credit scores. Cassandra emphasizes breaking cycles of predatory lending and poor financial habits. Challenges Cultural reluctance to discuss money. Skepticism about legitimacy of programs. Difficulty securing grants as a small nonprofit. Cassandra combats these through grassroots outreach and workshops. Personal Drive Cassandra’s passion stems from seeing financial struggles across all demographics. She actively promotes opportunities through community centers, adult education classes, and social media. Notable Quotes “I want us to grow together so that we can give to each other and then prosper as a collective.” “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.” “The only fee is commitment.” “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.” “You can’t talk about managing finances if you really don’t have anything coming in.” “You don’t want to miss this opportunity to increase your earning potential.” “Once you’re certified, that’s yours for life—you can’t repo a degree or certification.” #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 Cassandra Lester. Purpose of the Interview The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy. Key Takeaways Mission of Grow Give Prosper Founded in 2023, focused on financial education and empowerment. Aims to help communities grow together, give to each other, and prosper collectively. Google Partnership Offers free career certifications in high-demand fields: Cybersecurity Data Analytics Digital Marketing & E-commerce IT Support Project Management UX Design Certifications are self-paced, online, and typically take 3–6 months. No prior experience required; participants receive a portfolio upon completion. Accessibility Scholarships are free; the only requirement is commitment. Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.). Registration via growgiveprosper.org (scroll to Google Career Scholarships). Impact Over 300 scholarships awarded; previously had 500. Designed to level the playing field for those without Ivy League degrees. Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential. Financial Literacy Defined as understanding financial concepts and applying them to daily life. Misconceptions persist—some communities avoid discussing money or undervalue credit scores. Cassandra emphasizes breaking cycles of predatory lending and poor financial habits. Challenges Cultural reluctance to discuss money. Skepticism about legitimacy of programs. Difficulty securing grants as a small nonprofit. Cassandra combats these through grassroots outreach and workshops. Personal Drive Cassandra’s passion stems from seeing financial struggles across all demographics. She actively promotes opportunities through community centers, adult education classes, and social media. Notable Quotes “I want us to grow together so that we can give to each other and then prosper as a collective.” “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.” “The only fee is commitment.” “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.” “You can’t talk about managing finances if you really don’t have anything coming in.” “You don’t want to miss this opportunity to increase your earning potential.” “Once you’re certified, that’s yours for life—you can’t repo a degree or certification.” #SHMS #STRAW #BESTSee 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 Cassandra Lester. Purpose of the Interview The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy. Key Takeaways Mission of Grow Give Prosper Founded in 2023, focused on financial education and empowerment. Aims to help communities grow together, give to each other, and prosper collectively. Google Partnership Offers free career certifications in high-demand fields: Cybersecurity Data Analytics Digital Marketing & E-commerce IT Support Project Management UX Design Certifications are self-paced, online, and typically take 3–6 months. No prior experience required; participants receive a portfolio upon completion. Accessibility Scholarships are free; the only requirement is commitment. Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.). Registration via growgiveprosper.org (scroll to Google Career Scholarships). Impact Over 300 scholarships awarded; previously had 500. Designed to level the playing field for those without Ivy League degrees. Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential. Financial Literacy Defined as understanding financial concepts and applying them to daily life. Misconceptions persist—some communities avoid discussing money or undervalue credit scores. Cassandra emphasizes breaking cycles of predatory lending and poor financial habits. Challenges Cultural reluctance to discuss money. Skepticism about legitimacy of programs. Difficulty securing grants as a small nonprofit. Cassandra combats these through grassroots outreach and workshops. Personal Drive Cassandra’s passion stems from seeing financial struggles across all demographics. She actively promotes opportunities through community centers, adult education classes, and social media. Notable Quotes “I want us to grow together so that we can give to each other and then prosper as a collective.” “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.” “The only fee is commitment.” “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.” “You can’t talk about managing finances if you really don’t have anything coming in.” “You don’t want to miss this opportunity to increase your earning potential.” “Once you’re certified, that’s yours for life—you can’t repo a degree or certification.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A new report from The Wall Street Journal reveals how top schools like Princeton University went all-in on private equity — and now face disappointing returns and illiquid investments.Chris discusses why university endowments piled into private markets, how alumni-run funds profit from the system, and what these risky bets could mean for the future of higher education finances.

“An Arcane Inheritance," the latest novel of author Kamilah Cole, weaves dark academia with occult secrets at a fictional Ivy League school based in Hartford. The story follows the ambitious, determined Ellory Morgan, a Jamaican immigrant and first-generation college student pursuing a degree in political science. A lavish scholarship allows her to begin her college education at Warren University, but soon after arriving on campus, things start to unravel into the paranormal. We'll explore Cole's latest book, ask what drew her to Hartford and explain "dark academia" — a popular genre where brooding and blazers meet ivory towers and sinister secrets. GUEST: Kamilah Cole: author of several books including “An Arcane Inheritance" Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Opie is joined by Vic Henley and Lewis Black.They talk Albert Einstein with Irish actor Michael McElhatton. Lewis Black roasts Broadway and Ivy League schools! Also, Zoo Keepers wife and trying to figure out who Michael is playing in Justice League. Lewis Black talks about his character Anger in Inside Out and hilariously talks about his very old parents and the difference between America and Ireland.4/20

In this episode, Scott Becker examines how Ivy League endowments that once thrived on private equity are now reassessing allocations as the S&P 500 dramatically outperforms private equity.

Most teens don't need more hours in the day, they need to stop losing the hours they already have.In Part 2 of this 3-part series, we tackle the second bottleneck to high performance: time management.You'll discover:Why a checklist isn't a strategyHow most students spend ⅓ to ⅔ of their day on autopilotThe one-page system I teach that helps students reclaim time, sharpen focus, and reduce overwhelmWhy small daily reflections unlock massive long-term progress-----To register for the Ivy League Challenge, visit our websiteTo follow on Instagram:  @TheIvyLeagueChallengeTo join us on our Facebook group for parents

What if you could focus on just 7 core areas and know your kids are getting what they truly need? Meredith Curtis discovered the Seven R's during one of the hardest seasons of her life—caring for dying parents while homeschooling five children. This framework helped her "major on the majors and minor on the minors," and it will transform your homeschool too.In this episode, you'll discover:✅Why relationships are the foundation that makes all other learning possible—and what happens when they're broken✅The secret to raising kids who actually love to read (hint: it's not assigning book reports)✅How to teach writing so your kids can communicate clearly, graciously, and persuasively for any audience✅Why math mastery matters more than moving through a curriculum—and what to do when kids fall behind✅The difference between Googling answers and true research skills your kids will need for lifeReady to simplify and focus? The Seven R's will help you cut through curriculum overwhelm and build confident, capable lifelong learners.Resources Mentioned:Get your FREE Basic Pass to Life Skills Leadership Summit 2026 to give you confidence that your kids will be ready for adult life: The Seven R's of Homeschooling by Meredith Curtis - Practical guide to majoring on the majors and minoring on the minorsWho Dun It? Literature & Writing by Meredith Curtis - Teach high schoolers to write their own cozy mysteryHIS Story of the 20th Century by Meredith Curtis Meredith Curtis, pastor's wife, mom to 5 homeschool graduates, and Grand-Merey to 8 angels, loves to read cozy mysteries, travel, hit the beach, and meet new people. She is always learning because the world is just full of mysteries and beauty! Meredith loves to encourage families in their homeschooling adventure because her own was such a blessing. She is a curriculum creator and author of Jesus, Fill My Heart & Home Bible Study and Who Dun It Murder Mystery Literature & Writing. Find Meredith at PowerlineProd.com, along with her online store and blog.You can also follow Meredith on Facebook, Instagram, Youtube, and on the Finish Well Podcast.Show Notes:Kerry: Hey everyone, Kerry Beck here with Life Skills Leadership Summit where we are going to be talking about an extremely important topic that is tools of learning because I think all of you want your kids to be able to learn as an adult and not be dependent on a teacher or on you. And that's what Meredith Curtis is here to talk to us about. So, welcome Meredith. Thanks for being here.Meredith: Oh, thank you for having me. I'm really excited about this year's conference and I love this topic we're talking about. I either call it tools of learning or the seven Rs and they're just so helpful in staying focused and making the majors the majors and the minors the minors.Kerry: That's a great way to put it. We're going to dive into her seven Rs and how it can apply to your homeschool. But before we do that, could you just tell our listeners a little bit about you?Meredith: Yes, I would love to. So, my name is Meredith Curtis and I am a pastor's wife. I'm the mother of five homeschool graduates and I have eight grandchildren that are perfect angels and I feed them too much sugar.I love spending time with my grandchildren. I love to travel. I love to read. I love Jesus. That's probably the most important thing. And I'm a writer and a speaker.Kerry, I love creating curriculum. I love teaching. I love creating curriculum. I love writing Bible studies, studying the Bible. Probably one of my favorite things is I wrote a curriculum called Who Done It? It's my most popular book, and it basically is a high school English class that teaches teens how to write their own cozy mystery.And I actually started writing a cozy mystery series. I have three books in it so far—Tea Time Trouble, Pumpkin Patch Peril, and Old-Fashioned Christmas Murder.Kerry: Okay, y'all. She has two interviews and we've talked about the cozy mysteries in the last one. So, y'all go listen to that. But I was just fascinated. I knew she taught the kids, but now she's written three of her own mystery books. And so, I just think that is so exciting as well. Plus, her husband, does he have four books out now?Meredith: He does. Well, he actually has a fifth book that's not fiction. It's called Forging Godly Men, and it's about mentoring godly men.Kerry: The other ones are novels. So he's got the four novels plus the one on raising our boys to be godly men. Today we're going to talk about writing, but let's back up. I know you either call it the tools of learning or the seven Rs. How did you discover these tools of learning?How the 7 Rs Were Born from CrisisMeredith: Okay. So, I was in my early 40s and I had a four-year-old, five-year-old, six-year-old. My oldest was already graduating from high school, starting college. And so I had this wide range of five children.And my parents got really sick, Kerry. They were so sick and they live four hours away. So I was constantly taking a trip down to South Florida. I live in Central Florida and I would drive that 4 hours and stay with them a few days and then come home.I had to leave one of the older kids in charge of one or two of the younger ones and bring another older one with me with the younger one. And it was just very challenging. And of course, I was heartbroken because my parents were very sick.So during that time, I had to just ask the Lord, "What is the most important thing for my kids to get done?" Because they're going to be doing school apart from me. And the other one, we're going to be in the hospital or we're going to be in doctor's offices or we're going to be taking care of my parents. And I need to be able to at a glance know that they're getting it. So I really need help, Lord.And that is, you know, this is kind of birthed from that. You think about the three Rs, reading, writing, arithmetic. So, this is kind of what I felt like I discovered as a homeschool mom, that these were the tools of learning, the majors, and that if some of the other stuff fell by the wayside, these tools that I kept focusing on were going to allow them to learn anything at all that they needed.It was a really sad season in my life and my mom ended up passing away. My father moved close to us and then two years later he passed away. So it was a very hard season but out of that the Lord taught me not just life lessons but homeschooling lessons. God always brings good things out of very sad things.Kerry: I'm so sorry for your loss. And yet I see it because you got to take care of the majors and let go of things. And there are seasons in homeschooling, seasons in our lives that you may not go to every activity or every art lesson or whatever. You've got to just take care of the majors.Relationships: The Foundation of EverythingKerry: I know that you and I, there's one thing in particular even beyond academics and that's relationships. So why would you say relationships are so foundational to everything else?Meredith: Well, I think that life is basically number one thing relationship. God says he wants to have a relationship with us. In Revelation, he stands at the door and knocks and if anyone hears his voice, he comes in and eats with them. And you only eat with people you like. You know what I mean? Like that's relationship.So I think we have a relational God. He created people to be relational. And learning, I think when learning is birthed out of strong relationships, it is so different because I love Jesus. So I want to learn because I want to glorify him. I want to know what did he create and how does things work.When I became a Christian at 16, learning was a whole new thing for me. It just fascinated me. What is God doing in history? What is he doing here? And so I think when relationships are strong, that's the vertical relationship, but my relationship with my children, if my children know how much I love them, how much I respect them, how much I want their life to be blessed and fulfilled, they're going to be motivated to learn, not just for me, but with me.I think we learn as a family. I didn't know everything when I started homeschooling. I loved learning along the way. And every time we went back through US geography, I learned more.In contrast to that, when relationships are bad and there's yelling, there's always going to be fighting in a home, especially if you have more than one child. But how you resolve it can be resolved in a way that they can be closer afterward.But if there is constant bickering, if your children don't feel like you're for them, if you don't have a high opinion of your children, you're frustrated with them, learning doesn't really take place well. They might be learning, but so often in those situations, I see kids memorizing facts for a test, but they don't enjoy learning.I have just had some of my middle school classes that I teach online. These kids, they're not shy yet, you know, like some of the high schoolers are shy, but they're just—I love learning. And I think they have a family, a home that's happy, that they feel loved by their family and it always bears it out when they talk about their parents, they talk about their siblings, it's positive.So, I think relationships set the atmosphere, but also all the studies I've ever read, the most confident people know that they're loved. And when our children know that they're loved, it gives them a confidence that they can learn anything.Kerry: So good. And really, relationships are what's going to last forever and ever. I mean, even beyond this earth. And so we want to build those good relationships.Plus sometimes, you know, later in life, your kids, their siblings, they may need their siblings to be there for them. And we need to build that relationship and that security so that when they take that risk to go learn something that they're not really sure if they know how to go learn it, then they still feel safe in doing that.The Seven Rs ExplainedKerry: I know you've got these seven Rs. Can you just sort of rattle them off real quickly for us so people sort of have an understanding of what we're talking about?Meredith: Okay. So it would be relationships, reading, rhetoric—it's really communication and thinking—and then writing, research, arithmetic, and right living.Kerry: We're going to dive into some of these. And you mentioned rhetoric and that's a term that's sometimes thrown around. I believe that a couple hundred years ago, everyone really understood that because it was just part of education. And in the 20th century, we have really gotten away from that term. So tell us just a little bit about what that is and why that would be a tool of learning for our kids.Rhetoric: Learning to Think and CommunicateMeredith: Okay. So rhetoric is basically communicating in a way to inform or persuade. Cicero wrote about rhetoric, Aristotle wrote about rhetoric and people still read those. They're not really difficult reading, but some high school kids would enjoy reading those two men. Aristotle was Greek, Cicero was Roman.And it's basically being able to think through things and being able to communicate. So it would cover everything from greeting people and having casual conversations with them, saying, "Oh, Kerry, how are you today?" things like that. And then it would go all the way to watching the news and saying, "Okay, is this logical? Does this make sense? Does this jive with this over here?"And then being able to communicate in conversations, even as far as speaking, eventually reading aloud, all those things to communicate clearly and concisely and graciously.We have some really dynamic speakers in our day, Kerry, that are so ungracious. And sometimes I listen, I'm like, I agree with everything you say, but I wish you would be nicer or you wouldn't use bad language. And so, all of that is involved in rhetoric—the thinking and then what we allow to come through our mouth.Kerry: That is so good. And we need to teach our kids how to communicate instead of just regurgitate a bunch of facts which tends to be sort of our school system. And I could go off and tell y'all stories but we're not going to.Reading: From Struggle to SuccessKerry: I sort of jumped straight to rhetoric and I overlooked reading. Because you sort of have to be able to read. I mean, you can communicate like this, but we need to be able to read to then be able to make decisions and think through and think critically to then communicate. So, can you tell us just a little bit about raising our kids to be able to read and not hate it, maybe actually enjoy it a little bit?Meredith: Yes. Yes. And so, I mean, I could do a whole workshop on this, so I'm going to be really quick, but basically, teach your kids to read. I taught with phonics. I thought it was very simple. But teach them to read and then once they can read, give them everything possible that they can read that's easy and makes them feel successful.In everything when you're homeschooling, you want to lead children from success to success to success, a challenge, then more success, success, success, so that they're mostly feeling confident and then sometimes challenged.And so with reading, they read all these easy readers and then you start introducing classic literature like Charlotte's Web and Stuart Little and then you just keep going with classic literature.The reason I say classic literature is because a lot of the writing even for adults in our culture is at about a third grade level if you went a hundred years ago. So, if we want our children to value freedom, they're going to have to read things by John Locke. They're going to have to read things by Edmund Burke, and they're going to need to be able to read at a stronger level.So, when you keep giving children classic books, the stories are amazing. It's going to build their vocabulary. It's going to help their reading, and they're eventually going to be interested. They hear about a topic, they'll think, "Oh, I'll pick up that book and read it."The way I really made sure that my children enjoyed reading, that was my goal for them to enjoy reading. So I never assigned books until they were in high school.What I did is I had a bookshelf and it had about six shelves and I filled it. They could read anything they wanted from that bookshelf and they just had to tell me the book they read and I would write it down and I would say did you like it or who was your favorite character or what was your favorite thing about it.I never had them—I taught them how to write a book report and they wrote like two or three but that wasn't my goal because I wanted them to love to read and I wanted them to meet friends in make-believe places, in real places and say I want to go back, I want to read that again. So that was my goal.My son was my hardest and he just hated to read and he loved math but he didn't like reading. And so I remember he got saved in like middle school and he came to me. He's like, "Mom, I didn't read any of those books I told you that I read." And so this summer I'm going to read them all because now I want to live for God.But in high school, by the time he graduated from high school, his favorite book was The Count of Monte Cristo, which is like a thousand-page book. So eventually he learned to read. I never gave up on him. But I always tried to find things that he would like, series that he would like. He loved biographies and I got him a lot of biographies. I got him like all these war books about, you know, this bomber, this plane.My goal the whole time was I want my children to love to read and to be able to read anything they want.And I just want to add this. If you have a child with a learning disability, don't just limit them to listening to audio books for the rest of their life. Maybe they need to listen to every other book audio because the reading assignments are too much. But if they're going to do audio, have them read along with the book and follow with the book because that is going to help them to become a stronger reader.There's also a lot of tools for kids with learning disabilities. Don't give up on reading. I've met like 11th graders and they're like, "I don't read. I just listen to audiobooks" and I'm like, "Oh, I'm going to challenge you to read."I had one student like that. And he said, "Okay, I'm going to read this book." And we were reading Plymouth Plantation by William Bradford. He didn't get the modern translation. He got the one from the 1600s.And I said, "Honey, this was the worst book that you will ever read in your life. And if you got through that, you can read anything." And he loved to read after that, but his mom had told him he couldn't. He had a learning disability. And so he had a lot of drive to be able to read like the other kids in our homeschool co-op.I think reading opens the door. You have to read emails, you have to read texts, but reading is just such an open door to adventure. So, I love reading. I'm a very big fan. My parents were both big fans of reading, too.Kerry: Well, and I think your story plays out. I know for me, you've got to get if you have a child that doesn't like to read, continue to search for something of their interest. And you just have to be patient and give them grace. Give yourself grace.My son did not—I mean he could read, he could read a book and he would do it but did he enjoy it? No. And now he's 31 years old and once he got out of college, he loves to read. We exchange titles but like that was 15 years of time just waiting and you're thinking oh next month they're going to love to read.Look, God takes time to work with me so be patient and give yourself years. For my son, it was 12 years.Kerry: And we're like, okay, our kids are grown. Take it from someone that's already been there, not someone that's in the same level as you are.Writing: From Speaking to the PageKerry: So we have reading, we've got rhetoric. Then the next thing, what do you see as any kind of secret to writing effectively?Meredith: Well, I think if you can communicate an idea, then it's easier to write it. So if you can speak, it's easier to write.So what I would often do with my children is—number one, if I was asking them to write a paragraph, we would read paragraphs together. See how this is a topic sentence and how these sentences—or let's read this essay. This is so interesting.First of all, I think for writing, you have to be able to read the kind of writing that you're going to write. Children just don't naturally know how to write an essay. And if you give them the directions, but you don't give them an example, they still don't know what to do.I would always have my children talk to me. Tell me what you want to write about. And then we would just talk and oh that's a great idea. And you know, kind of helping them think through. I had a pattern for teaching writing.I spent a couple of years on sentences because a good sentence makes or breaks a paper. And I still, you know, I teach high school kids and I have some of them who can't write good sentences. So we spent a lot of time writing sentences.First they were so young they would dictate to me and I would write it and then soon they could write their own and then we wrote paragraphs and we wrote all kinds of different paragraphs and we always enclosed our writing in a letter to grandparents because that teaches children early on.Okay, so you're writing this paragraph for grandma, then you're going to write it differently than this paragraph that you're writing for Aunt Julie because she's interested in horses whereas grandma is interested in books and knitting. It teaches them to think in terms of an audience which is really important when you write.So then from paragraphs we would actually move to reports, essays and things like that in middle school. So we did a lot of basic writing and then whenever they wanted to write stories, I'd say, "Oh yeah, write the story." And if they couldn't write well, they could dictate to me and I would type it on the computer.Then in high school, we did all the analyzing literature, writing a research paper. We wrote a novel one year. And fiction is very different than writing non-fiction. So I think my kids wrote every kind of essay, every kind of report. But I tried to make it really fun.And one thing I also did in high school was I'd say, "Okay, here's a paper from two years ago. I'd like you to turn it into a blog post." And they really enjoyed that. But blogging is a completely different kind of writing than writing an essay.We always shared our writing with other people because I wanted them to have in their mind an audience. Whenever I teach homeschool co-op classes, I always have the kids read their papers out loud and that allows them to have an audience.So I say when you're writing this paper, look around the room. This is your audience and you're going to read it out loud to them and you want to write something they'll enjoy. So when I grade their writing papers, I always look for readability. Is it enjoyable to read? Is it written for the audience?And three of my children went into writing. So one became an editor at a magazine and she writes—now she has her own business. She writes. My other daughter taught writing and literature at the local university and now she's a stay-at-home mom. And my youngest daughter has written a screenplay and short stories and stuff like that.Now my daughter Juliana who works for Verizon says she hates writing but she's actually a very good writer. She just doesn't like it.Kerry: That is so good. You know you said something that I know we did a lot in the beginning years. It is easier for kids to speak sentences than to write their first few sentences. So if they speak it as a sentence, I would type up—Hunter would be talking to me about snakes or whatever we read about and we would type it, then the next day he would copy it or edit it.The other thing is giving your kids a reason to write and getting a grade is not a real life reason to write. You've got to have an audience. And if there's an audience, that alone can motivate some kids to actually do a better job because they feel like they're writing to a person. And if you're just writing for a grade, that's sort of dull sometimes.Arithmetic: Consistency and MasteryKerry: We've got writing, then we have arithmetic. And I know there's some moms that have some fear. I was a math minor and by the time my kids got in high school I was like what did I learn in my math minor years? I loved math in high school but by then I didn't really care for math as much. So what kind of tips can you give them because we do need our kids to be able to use math skills?Meredith: I think my number one tip for math would be do math every day and put a time limit on it so it doesn't feel like, oh my goodness, I'm going to be here two hours to finish this lesson. But I think consistency is the most important thing with math.And be confident. Don't be afraid to hire a tutor for math or to put your kids in a co-op class for math because if mom hates math then it's hard for kids to like math. And I have a friend named Leanne and she did so much tutoring in our church for co-op kids because their moms just hated math.I was like you—when my son took calculus I said honey, no idea. I don't know. But so I would say make sure that they're scoring 90% or higher on their tests and they know why they got the problems wrong.And here's why. The early years they learn so many foundational things. And a lot of times when I'm helping kids who have trouble with pre-algebra, with algebra, with algebra 2 or geometry, it goes all the way back to fractions and decimals and multiplying and dividing.One child was really struggling with math. So I just repeated a grade. I just repeated a whole grade in a different curriculum. And she ended up joining this engineering club called Math Counts in middle school and went all the way to state. So she wasn't dumb. She just needed more repetition.I hear people say, "Well, why should they do repetition?" Well, I would say that math is learning to get the problems right over and over and over again until you're solid.I always started with math because I feel like it kind of gets all the neurons charged and working—like sort of the workout for the brain. But again, I would just do it every day. It's better to do a half hour of math every day than do like a slug session for three hours because you're behind.If kids get behind in math, they get behind in math and that means we do some math over the summer. That was kind of how I looked at it. But I was a real stickler with math and as a result the kids did well with math. But it wasn't necessarily anyone's favorite except for Jimmy my son.Kerry: Well you know I think you hit on another good point—mastery. I was a public school teacher and we did have a minimum but nowadays it didn't matter if you know it or not. You just keep moving those kids through the school. What's the point?If those kids do not understand single-digit division, they're not going to understand long division. So, work on it. And, you know, you can find some fun activities to make it all work. There's lots of hands-on. I do believe mastery in math because it is sequential and it keeps building on it like you said with geometry.Meredith: That's a good point. Math is one of the few things that is sequential. Everything else you could learn, you know, American Revolution and then ancient history. It doesn't matter. But math is sequential. And so if they don't learn the basics, they're always going to struggle.Research: Beyond "Hey Google"Kerry: Okay. So after arithmetic, next we have got research. So how is that a tool? How would you encourage moms?Meredith: Okay. Well, I think right now if you say research, people just look things up on Google.Kerry: I know that's true. Or you know what? My grandkids wouldn't look it on Google. I'm not going to do it because I've got a little Google machine. They just go, "Hey, Google." And then they'd ask whatever that question is and let it speak to them and they don't even have to read it. They'll just listen.Meredith: I always think, what if an enemy of the US just shut down our internet for a week? It would be like, oh my goodness.But I think it's important for kids to know how to find things in books, like how to read a textbook to find the table of contents and how to go find the subject you're looking for. How to use directories, how to use an atlas, how to use maps. They could use Google Maps, but how did they find stuff on Google Maps?And then just being able to go to different kinds of research books like a dictionary, a thesaurus, an encyclopedia, and then actually to research—to look things up and to find different books about it and research a topic and especially in research to read about opposing viewpoints.I think that's very important to read about this viewpoint and this viewpoint that are completely polar opposites. I think that's an important part of research because there's been a main point in our school system for years and it's been like almost brainwashing kids but we don't want to do the same thing.We want to make sure that our children know both sides of the issue and then where we stand and why we stand where we stand logically, not just based on emotion.I think that's an important part of research. It kind of ties in with rhetoric. Also everything is research from looking up a recipe and finding the best recipe to researching for a research paper.And so, you know, one of the things about research is trying out different things until you find what's best. Trying out different exercises till you find the one that works the best or you enjoy the most. So, research is really a lifelong thing.Kerry: Even if you are saying, "Hey, Google."Meredith: Yes. They're like, "Oh, Gigi, that's okay. We'll go find—here. Come here." And they take me over to their little machine and ask it a question. Sometimes they understand, the girls, sometimes they don't.Kerry: That is so good. And I like that idea of research is all different things. It's not just writing a research paper. My kids actually every year in high school had to write one research paper. And we just really—the requirements in ninth grade were different than the 12th grade because hopefully they were growing in their research skills as well. And they do have to write so many research papers in college. So that was probably really helpful for them.Now we got AI. So y'all go listen to the AI talks that we have in this summit because we're going to show you—no, you can't just go get AI to write your research paper. So we got a few little speakers on that. Y'all probably need to go listen.Meredith: Oh, I need to listen to it because someone mentioned it and I was like, "My children in my classes would never use AI."Right Living: The Closing BookendKerry: The last one we started with relationships, which I think is super important. We got a lot of academic things. Right living—and that's the last one. But I don't think it's the least. So, tell us a little bit about that and why you put that there.Meredith: Well, I put it last because it's kind of a sandwich of the academics. Relationship and then right living because right living is weaving through everything.And you teach children to be polite, to be obedient, to work hard, not just with their chores, but with their schoolwork. And so it just makes sense.And also there's something about living right even before children give their hearts to Christ. When you live the right way in a way that's moral, you feel better. You don't have like a lot of guilt. You don't have a lot of shame because you've done the right thing. You've worked hard. You've done what you need to do.So, I feel like it's a confidence booster as well to have right living be part of a focus, but it makes teaching easier when you're focused on training children to have manners, to have virtue. It makes it easier to get school done because it's just part of their character to—okay, this is kind of my job. I'm going to do it well.Kerry: That's so good. And I was thinking I didn't mean to steal your thunder by saying what I said, but relationships, right living—that's the most important. And I got the academics in the middle.Meredith: Exactly. Yeah. It's like a sandwich. And so it's a reminder—I think when you start with right living, you can become legalistic, you can become harsh. But if you start with relationships and sandwich it with right living, I think it helps you have a really good balance between the two.The 7 Rs ResourceKerry: That is so good. Hey, I know you've got a really good resource about these seven Rs that could help our homeschoolers. Could you tell people a little bit about that?Meredith: So, this is called The Seven Rs of Homeschooling. And you can tell all my books have a little Florida flair. A lot of them do. But it goes through each of the seven Rs I mentioned—how to teach them, practical resources.It was again birthed out of that season where it was a necessity for me to major on the majors and minor on the minors. And so it's not like oh this is my theory from my Ivy League tower but this is where we had to live. And it really helped me kind of refocus.And it ended up putting writing assignments and speaking, conversational—that's how we ended up putting book clubs in our literature classes and history classes because I found out how important conversation was. We just would have conversations all the way down to my parents' house.So I really recommend The Seven Rs. It's an easy read and it goes through each one and how it's a benefit and how you can in practical ways—it talks about if you have some issues with reading with your kids and how to go step by step.It's written for elementary, middle, and high school. So, you can pick it up when they're still in high school and just sort of give an overview of your children. If you pull your kids out of high school, out of a public school, and you bring them home, one of the things you want to do is you want to kind of evaluate where they're at in these—not with a test, but with just observing what are they able to do, what are they confident in, what do they still need more help. So, this is another good tool for that.Kerry: That is awesome. So, wherever you're listening to this, look below and we will have a link that you can click on and go grab a copy of this excellent resource because I mean this will give you practical tips to be able to implement these seven Rs and evaluate where your kids are.Meredith, thank you so much for being here. I am going to put a little note on there saying I'm sorry for the darkness on parts of the video, but I know we were in the late of the day and the sun's going down and we couldn't get the light to work. But you know what? The content here is excellent. So, thank y'all for just listening as well. And thank you for being here, Meredith. I appreciate it.Meredith: Thank you for having me. I always love being here. Thank you.Kerry: All right. And I'm Kerry Beck with Life Skills Leadership Summit. We'll talk to you next time.Ready to major on the majors in your homeschool? Grab Meredith Curtis's book The 7 Rs of Homeschooling and discover practical, battle-tested strategies for raising lifelong learners. Visit lifeskillsleadershipsummit.com for the for a free Basic Pass to this year's summit and build confidence in teaching life skills and leadership!

In this episode, Scott Becker examines how Ivy League endowments that once thrived on private equity are now reassessing allocations as the S&P 500 dramatically outperforms private equity.

JOIN THE EXCLUSIVE WEBINAR (FEB. 24th): https://hubs.la/Q042YjBT0 Megan Bailey (Duke Graduate & Associate Director of College Counseling) reveals the exact roadmap she uses to guide students to top schools like Princeton, Yale, and Stanford, before junior year even begins. Schedule a FREE 30-minute 1:1 call with one of our Former Admissions Officers here and we'll help you improve your chances of acceptance with personalized support: https://hubs.la/Q02WyJTt0 Admissions officers see thousands of "perfect" applicants. Don't just be smart, be interesting. In this video, we break down how to move beyond being just smart and become memorable, compelling, and interesting in the eyes of admissions officers. Learn how Ivy League and top colleges evaluate applicants, what actually differentiates accepted students, and how to craft an application narrative that makes admissions officers stop and take notice.

Petros admits he won’t be touring Ivy League campuses anytime soon — and the conversation turns into a full-blown reality check on money: U.S. household debt is pushing $19 trillion, and parents feel like they’re being told they should already have a small fortune saved for college by the time their kid hits middle school. USC becomes the poster child for sticker shock, with its 2025–26 cost of attendance nearing $100,000 — and it’s even been cited as the nation’s most expensive in recent rankings. Then Tim reminds everyone: the Conway Show is heading back to nights, so it’s time to play the hits and bring back the classic chaos.See omnystudio.com/listener for privacy information.

On this episode of Inside the Headset – Presented by CoachComm, we're joined by Keith Clark, Offensive Line Coach at Dartmouth and the 2025 AFCA FCS Assistant Coach of the Year. Coach Clark shares his unconventional coaching journey, including his early experience coaching football in Italy, the lessons he learned as a young head coach overseas, and how those experiences shaped his teaching philosophy. He discusses returning to his alma mater, earning an opportunity at the University of Maine, navigating his first full-time role in college football, and building credibility within a staff. Clark also reflects on his time in the Ivy League, what it takes to win in that environment, and what being named AFCA FCS Assistant Coach of the Year means to him. The conversation highlights risk-taking, humility, professional growth, and the importance of staying connected within the coaching profession. New episodes of Inside the Headset drop weekly. Be sure to subscribe, rate, and review to help other coaches find the show.

If you think your past defines your future, this story of Ivy League success, 20 years of homelessness, and ultimate redemption will change your mind.Ken Miller joins Brigitte Cutshall to share his powerful journey from being a National Merit Scholar at Dartmouth to spending two decades battling addiction, homelessness, and incarceration. Now 21 years sober and a successful business owner, Ken discusses the "internal problem" behind addiction, the courage required to face childhood trauma, and how he transitioned from a life of "negative secrets" to becoming a kind, gentle mentor for the next generation.3 Key Takeaways(1) Own Your Truth, Lose the Power: Healing begins by "turning the lights on" in the rooms of your past. By speaking his "big secrets" aloud, Ken stripped them of their power to cause him pain or shame.(2) The Myth of the "Why": While trauma and environment are factors (antecedents), Ken emphasizes that rationalizing bad behavior through past pain prevents true recovery. Accountability is the first step toward change.(3) Service as Self-Care: One of the fastest ways to build self-worth is to get "outside of yourself." Helping others—whether through formal mentoring or simply calling a lonely relative—creates the value you might feel you're lacking.Grab a copy of Ken Miller's book, Becoming Ken, on Amazon - https://amzn.to/4tDHdwA

Send a textAutonomy sounds like progress until the system turns your choices against you. We dive into how AI agents change the risk equation, why “don't trust, verify” now beats “trust but verify,” and what to do when the update button itself becomes the attack vector.We start with the Ivy League leak tied to Harvard and UPenn, where attackers exposed admissions hold notes that map influence rather than credit cards. That context turns routine records into leverage for extortion, social pressure, and geopolitical targeting. From there, we trace the surge of agentic AI in the workplace as employees paste code, legal docs, and sensitive files into chat interfaces. The real accelerant is MCP, the model context protocol that standardizes connections across Google Drive, Slack, databases, and more. Like USB for AI, MCP makes integration simple and powerful, but a single prompt injection can pivot across everything the agent can reach.Security gets messier with supply chain compromise. A China‑nexus campaign allegedly hijacked the Notepad++ update mechanism, handing a bespoke backdoor to developers who did the right thing. We unpack how to keep patching while reducing risk: signed updates, independent checksum checks, tight egress policies for updaters, and strong monitoring around update flows. On the policy front, Rhode Island's vendor transparency rule forces companies to name who buys data. It is a nutrition label for privacy, and it lets users and watchdogs finally connect the dots between friendly interfaces and aggressive brokers.We close with concrete defenses that raise the floor. Move high‑value accounts to FIDO2 hardware keys or platform passkeys to block phishing at the protocol level. Scope agent permissions narrowly, isolate MCP connectors by function, and require explicit approvals for sensitive actions. Log everything an agent touches and review those trails. Autonomy should be earned, minimal, and observable. If AI is going to act on your behalf, it must prove itself at every step.If this conversation helps you think differently about agents, influence mapping, and how to lock down your stack, subscribe, share with a teammate, and leave a quick review telling us the one control you plan to implement this week.Support the show

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Ever wonder why seeing another neurodivergent person succeed can literally change your life? This week, David and Isabelle bring you the second half of their conversation with Jesse Sanchez, Executive Director of the Neurodiversity Alliance, and it goes deep. They're talking about the kind of mentorship that doesn't happen in an office—it happens in moments of "wait, you do that too?" They also get brutally honest about why neurodivergence isn't just a rich kid's diagnosis, it's an intergenerational survival story that intersects with race, class, incarceration, and educational access in ways we desperately need to talk about.Missed Part 1 of this conversation? Catch up here.Jesse shares his own story: growing up with a single mom who left home at nine, a father in federal prison, navigating the world as a first-gen, low-income, multiracial kid—and how none of the incredible educational access programs he benefited from ever addressed the neurodivergent piece. David drops the "glasses metaphor" that'll make you rethink everything. And Isabelle connects the dots between pulling all-nighters, calling it a moral failing, and why our school system was literally designed to create worker bees during the Industrial Revolution (spoiler: neurodivergent brains were never meant to fit that mold).If you've ever felt like an imposter for doing things differently, this episode is your permission slip to stop hiding!Here's what's coming your way:Why real mentorship is exposure to a reality you didn't know existed—not instructions on how to succeedHow seeing a successful neurodivergent person changes the way you view yourself (and why that matters more than any advice)The intersectionality we're not talking about: neurodivergence, unemployment, incarceration, economic insecurity, and social justiceJesse's powerful story of intergenerational neurodivergence and why he's bringing neuro-inclusive practices to NYC public schoolsWhy your all-nighters aren't a character flaw—they're an accommodation (and how that reframe changes everything)The glasses metaphor: imagine never getting glasses until your 30s. That's undiagnosed ADHD.What Jesse would tell his 5-year-old self entering the school system (grab tissues for this one)-------Wait—What's That? Here are some of the terms and people mentioned in this episode explained:Mentorship (the real kind): Not lectures about success—it's living life together and taking the behaviors you like while leaving the rest. It's "try my biscuits and gravy" energy. Exposing someone to a reality they didn't have before.Normalization: Making something feel normal by seeing it modeled by others. When you see another neurodivergent person succeed while doing things differently, it normalizes your own approach and reduces shame.Moral Failing: The story undiagnosed neurodivergent people tell themselves: "I pull all-nighters because I'm lazy/broken/bad"—instead of recognizing it as an accommodation for how your brain works.Accommodation: A strategy that helps you work with your brain instead of against it. Pulling an all-nighter isn't cheating—it's an accommodation. Just like glasses.Intergenerational Neurodivergence: ADHD and other neurodivergent traits often run in families. Jesse talks about his mom's undiagnosed ADHD and how neurodivergence intersects with intergenerational trauma and survival.Intersectionality: How different identities (race, class, neurodivergence) overlap and create unique experiences. Jesse emphasizes how neurodivergence intersects with being low-income, first-gen, Latino—and how that's overlooked in social justice work.Social Capital: The networks and resources you access through community. The neurodivergent community shares social capital—connecting first-gen students with Ivy League students, leveling the playing field.The School System's Origins: Our current education system was designed during the Industrial Revolution to create efficient worker bees for factories. Everything from the bells to the desks to the subjects was built for output and performance—not for neurodivergent brains. Learn more about the factory model of education: https://en.wikipedia.org/wiki/Factory_model_school-------

Honestly, if you can make a salted caramel cheesecake work, we believe that there IS a way to make fish sauce, cheese, and apples work. Also, who else is in the Ivy League of culinary schools?Check out our merch at maxfunstore.com, support us at maximumfun.org/join, follow us on Instagram @tvcheffantasyleague, and leave us a 5-star review on Apple Podcasts!

It's Tuesday, February 10th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson, Timothy Reed, and Adam McManus Hong Kong man critical of Chinese Communists sentenced to 20 years In a Hong Kong court, religious freedom and free speech advocate Jimmy Lai has been sentenced to twenty years in prison for publishing articles against the communist Chinese government. Lai is a British Citizen and an adherent of the Catholic Church. World journalists are marking the case as a worldwide setback for freedom of speech and freedom of the press. The United Kingdom home office has responded to the news. The Hong Kong Free Press reports that “British national status holders will be able to immigrate into the U.K. with their children. The office estimates that 26,000 people will arrive in the U.K. over the next five years.” Thousands of Tanzanians murdered Political upheaval, tyranny, and blood in the streets is the order of the day in Tanzania over the last few months.  Some reports have revealed the government of President Samia Suluhu Hassan killed thousands of Tanzanians. Hassan is a Muslim who was re-elected in a landslide victory last October, marred by accusations of massive fraud.  That's when the African country was plunged into chaos and rioting.  The bloodshed and terror has gone on for months, reports The Washington Stand. In an effort to conceal the atrocities taking place there, the government has reportedly shut down the internet. Tanzania is at least nominally Christian with a 57 percent Christian population and a 37 percent Muslim population, as the Muslim creep hits south Saharan Africa. Christian martyrdom grows with Muslim population in Nigeria Islamic influence is growing in Nigeria as well — a nation where 56 percent of the population is Muslim and 43 percent is Christian. This has resulted in the martyrdom of 50,000 Christians and the displacement of millions of Christians from their homeland.   Pray for our Christian brothers and sisters and the people of Tanzania, Nigeria, and Uganda.  Civilian killings continue in Nigeria Last Tuesday, almost 200 Nigerians were killed by gunmen in the communities of Woro and Katsina, reports the International Center for Transitional Justice. Woro is located in the western Nigerian state of Kwara, while Katsina is in the northern region of the country. Psalm 35:1 says, “Plead my cause, O LORD, with them that strive with me: fight against them that fight against me.” War Department will no longer work with Harvard War Secretary Pete Hegseth announced that the War Department will no longer send military officers to Harvard. He slammed the university for what he called its support of terrorism and the Chinese Communist Party.   Hegseth said, “Too many of our officers came back looking too much like Harvard — heads full of globalist and radical ideologies that do not improve our fighting ranks.” The War Department is set to re-evaluate all Ivy League school partnerships.  Virginia Democrats unveil gerrymandered congressional map Democrat lawmakers in Virginia put forward a new congressional map heading into the midterm elections this November. The Old Dominion state map heavily favors Democrats, giving them four extra seats, while the Republicans would lose four seats. This comes after the Supreme Court ruled that the new congressional map for California was valid, giving Democrats five additional seats. Virginia Democrats swept the last election, winning races for Governor, Lieutenant Governor, and Attorney General.  All told, gerrymandering in Virginia, California, and a few other states should yield the Democrats an additional 5 to 9 seats in Congress in 2026. And gerrymandering in Texas, North Carolina, and Missouri could yield the Republicans an additional 6 to 10 seats in the upcoming election. Connecticut works to expand abortion access Connecticut is launching a billboard campaign to promote abortion and death, reports LifeSiteNews. The campaign, sponsored by the Reproductive Equity Now Foundation, is advertising the state's commitment to make the killing of unborn children more accessible. Billboards will announce a state-provided pro-abortion hotline.  Connecticut Democrat Attorney General William Tong talked about his state's culture of death. He said, “Abortion is safe, legal and accessible here in Connecticut, and that's the way it's going to stay.”  But Proverbs 31:9 instructs us to “Open your mouth, judge righteously, and plead the cause of the poor and needy.” GOP Rep chastises NBC & NFL for Bad Bunny's foul lyrics And finally, Sunday's Super Bowl half-time show turned into one big leftist political statement with Benito Ocasio, known as Bad Bunny, and a few other characters, who openly opposed President Trump's “America First” policies.   To his shame, the Puerto Rican singer sang a bunch of foul-mouthed, sexually-explicit lyrics in Spanish. Republican Congressman Randy Fine of Florida did not pull any punches in his X post. He wrote, “You can't say the f-word on live TV. Bad Bunny's disgusting halftime show was illegal. Had he said these lyrics -- and all of the other disgusting and pornographic filth -- in English on live TV, the broadcast would have been pulled down and the fines would have been enormous. “We are sending FCC Chairman Brendan Carr a letter calling for dramatic action, including fines and broadcast license reviews, against the NFL, NBC, and Bad Bunny. Lock them up.” You can send a short 2-4 sentence letter to FCC Chairman Brendan Carr, urging him to levy these fines.  The address is Federal Communications Commission, 45 L Street NE, Washington, DC 20554. Kid Rock, on Turning Point USA's half-time show, pointed to Christ Meanwhile, Turning Point USA, founded by the late Charlie Kirk, simulcast their alternative “All-American Halftime Show” featuring Robert Ritchie known as Kid Rock. Some 20 to 30 million Americans tuned in, reports Fox News. Kid Rock threw in another verse to the hit song “Til You Can't.” Check out the lyrics. KID ROCK: “There's a book a'sitting in your house somewhere that could use some dusting off . . . There's a man who died for all our sins a'hanging from the cross. You can give your life to Jesus and He'll give you a second chance, till you can't.”  Other performers included Brantley Gilbert, Lee Brice, and Gabby Barrett.  War Secretary Pete Hegseth and House Speaker Mike Johnson both praised the Turning Point event, reports Politico. Close And that's The Worldview on this Tuesday, February 10th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ. Extra stories Trump administration provides lower costs on prescription drugs President Donald Trump unveiled Trump Rx, a plan that brings down medicine costs for American citizens. Trump Rx negotiates lower rates with drug companies, passing the savings directly to the consumer. The plan specifically helps those who pay for medications out of pocket. The president is calling on lawmakers to pass healthcare reform through Congress to further codify his agenda.   Senator launches caucus against Sharia Law Republican Senator Tommy Tuberville of Alabama launched the new Sharia-Free America Caucus in the U.S. Congress, and has introduced a bill to ban Sharia Law in the United States. Tuberville said, “The strength of our country comes from one law applied equally to all. We cannot allow competing systems of governance to weaken that foundation.”

On January 2nd, 2018, a nineteen-year-old University of Pennsylvania sophomore slipped out of his parents' house in Lake Forest, California, to meet up with a former high school classmate. He left without his wallet, his glasses, or his keys. He never came home.Blaze Bernstein was everything you'd want a kid to be. A pre-med student at an Ivy League school, the managing editor of a culinary magazine, a gifted writer who once said that writing gave him his voice. He was the oldest of three children in a tight-knit Jewish family, the grandson of a Holocaust survivor, and a young man who was just beginning to live openly and authentically as a gay man.The person he went to meet that night was Samuel Woodward, a former classmate from the Orange County School of the Arts. What Blaze didn't know was that Woodward had become a trained member of the Atomwaffen Division, a neo-Nazi terrorist organization that specifically targeted LGBTQ and Jewish people. He didn't know about the hate diary, the encrypted chat rooms, or the training camp in Texas. He didn't know that Woodward had brought a knife and a skull-faced terrorist mask to their meetup that night. This episode covers the full story. Blaze's life and the family that shaped him. Woodward's radicalization from a troubled kid in a homophobic household to a committed domestic terrorist. The seven-day search that gripped Orange County. The rain that uncovered a shallow grave. The arrest, the evidence, and the six agonizing years it took to bring this case to trial. The testimony that exposed a killer's lies. And the verdict that finally held him accountable. It also covers what came after. How the Bernstein family turned the worst moment of their lives into a movement called Blaze It Forward, and how a nineteen-year-old kid who loved food, writing, and people left a legacy that hatred could never erase. This is a difficult one. But it's a story that deserves to be heard.

Since 2026 is the 250th birthday of America, and I'm reading books about the American Revolution, I thought it made sense to ask Army Athletic Director Tom Theodorakis to join HEA for a conversation. Theo shares what it feels like every day at West Point and why it is such a special place. I asked him what perspective he gets from working at different institution types, including P4 schools, another military academy, and even The Ivy League at Harvard. The conversation turns to outlining his vision going into his second year in the AD chair. We discuss what it takes to put on an Army/Navy game and what it will take to keep it from being changed as the College Football Playoff dates continue to change. It's safe to say the game won't be in July. Theo explains how Army has to continue to think about what college athletics looks like at their institution since they do not do House, NIL, and the transfer portal is not the same for them. He also communicates what athletics means at West Point and what the future leaders of our nation's Army learns from the experience, including failure and trying to build up muscle memory of winning in tough situations. HEA is presented by PILYTIX, an AI tech company for higher education institutions and sports organizations. Increased Donations. Fast, Effective Targeting. Improved Performance.AD Vantage empowers athletic directors with comprehensive staff data, performance analytics, and AI-powered candidate insights to make smarter hiring, compensation, and retention decisions in an era where every dollar counts.Onrise provides complete mental health Coverage for your Athletes. One call. Same-day setup. Your athletes get immediate access to peer support from retired pros, licensed clinicians, and 24/7 crisis care. Less than one in-house FTE. No hiring hassles. No initiative fatigue.0:00 Introduction0:40 Experiencing West Point Daily as AD1:55 Perspective from Army, Harvard, UCLA, Arizona, Air Force6:52 Transitioning from 1st Year to 2nd Year as AD11:20 Visit Onrise.CARE for Mental Health Athlete Care12:20 What it takes to put on the Army/Navy Game18:45 How do you protect the Army/Navy Game Date?22:00 Institutional Collaboration at West Point27:05 Deciding to complete a Doctorate in Education31:35 Aspirational Advice: Get out of your Comfort Zone

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The Fake News lost the narrative on the climate hoax. Trump bringing back the fishing industry in Maine. Everything is being reverse, jobs are coming back. Trump is moving the pieces on the board and preparing the country to move back to sound money and the is using the market as a weapon. The [DS] cannot keep the country divided anymore. The people are awake and they are seeing the true enemy through the fog. Trump is pushing everything to win the Midterms. We are watching the final countdown. Trump is exposing the system and the election cheating system to force the RINOS to pass the save act. Once this is done it is game over.   Economy https://twitter.com/ChrisMartzWX/status/2020341736896360591?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");   foolishly reinstated them. Since Day One, I have taken historic action to END these disastrous policies and, today, I signed a Presidential Proclamation to UNLEASH Commercial Fishing in the Atlantic Ocean, advancing the America First Fishing Policy! I am restoring nearly 5,000 square miles of Fishing access off the Coast of New England, which will revitalize our Fishing Industry, and STRENGTHEN our Booming Economy. Congratulations to all of our Great Fishermen. Please remember I did this for you, against strong Democrat opposition, and VOTE REPUBLICAN IN THE MIDTERMS! PRESIDENT DONALD J. TRUMP  https://twitter.com/unusual_whales/status/2020181009124192563?s=20   https://twitter.com/Bobby1_x/status/2020284867708350837?s=20  house: 614 oz gold Now: 82 oz 1971 Car: 86 oz gold Now: 9 oz 1971 Harvard: 63 oz gold Now: 11 oz 1971 Gas: 1 oz gold = 113 gallons Now: 1 oz gold = 1736 gallons If you saved in dollars your value inflated away to almost nothing But if you saved in gold you INCREASED your real world purchasing power MASSIVELY You didn’t see inflation, you saw deflation And you never even had to do so much as sell as stock or learn about bonds and interest rates All you had to do was save in gold Gold is and always will be the ultimate store of value https://twitter.com/KobeissiLetter/status/2020229075487322323?s=20  By comparison, the 2020 high and 2012 peak were 40.9 million and 43.4 million, respectively. Meanwhile, ETFs of gold and other precious metals attracted +$4.39 billion in inflows in January, posting their 8th consecutive monthly intake. Furthermore, investors have invested a net +$3.62 billion in gold miner ETFs, the most since at least 2009. Demand for gold investments remains robust. https://twitter.com/MrPool_QQ/status/2020219515615793465?s=20  Reserve nominee if he doesn’t lower rates. “It was a joke.” No. It was a WARNING. The Fed’s days are numbered. MOVE 3: Pentagon CUT ALL TIES with Harvard. Military training. Fellowships. Programs. ALL GONE. The Ivy League pipeline to power is DEAD. MOVE 4: Launched TrumpRx. 43 medications. Ozempic included. Big Pharma’s monopoly: BROKEN. They charged you $1,000. He’s giving it for $300. MOVE 5: DHS funding expires February 13th. 6 days from now. Controlled shutdown incoming. Why? Because you can’t RESTRUCTURE what’s still running. Connect the dots: Iran tariffs = END of petrodollar Fed threat = END of central banking control Harvard cut = END of Deep State recruitment TrumpRx = END of Big Pharma monopoly DHS shutdown = RESTRUCTURING of homeland security This isn’t chaos. This is a DEMOLITION. Piece by piece. System by system. Pillar by pillar. The old world is being dismantled in REAL TIME. And the new one is being built while you watch.  DARK TO LIGHT   Political/Rights https://twitter.com/ICEgov/status/2019804241343234265?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2019804241343234265%7Ctwgr%5Ea4849f0e923af3c8c6337a4af454066151ac3a71%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fsupposedly-autistic-womans-tale-being-abused-arrested-ice%2F   the location, continued to impede our officers, and found out the hard way. 18 U.S.C. § 111 criminalizes impeding or interfering with federal officers. Team Trump Catches Gavin Newsom in a HUGE Lie During Back-and-Forth as California Governor Releases Thousands of Violent Criminal Illegals Back into Society https://twitter.com/KristiNoem/status/2019831108511158481?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2019831108511158481%7Ctwgr%5Ed4914c3e3e7d1872b32b0c54f58216356aecffd0%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fteam-trump-catches-gavin-newsom-huge-lie-during%2F https://twitter.com/CAgovernor/status/2019876274798567749?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2019876274798567749%7Ctwgr%5Ed4914c3e3e7d1872b32b0c54f58216356aecffd0%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fteam-trump-catches-gavin-newsom-huge-lie-during%2F https://twitter.com/USAttyEssayli/status/2019883966355107911?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2019883966355107911%7Ctwgr%5Ed4914c3e3e7d1872b32b0c54f58216356aecffd0%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fteam-trump-catches-gavin-newsom-huge-lie-during%2F   The law in question is the California Values Act (SB 54), signed into law in 2017 by then-Governor Jerry Brown. The legislation bars state and local resources from being used to assist federal immigratio Source: thegatewaypundit.com https://twitter.com/liz_churchill10/status/2020347917962473789?s=20 https://twitter.com/elonmusk/status/2020451356562096282?s=20 https://twitter.com/KanekoaTheGreat/status/2020249786017095995?s=20   https://twitter.com/Kimberlyrja8/status/2019799463129133362?s=20  , Savannah stated, “[Nancy] is full of kindness and knowledge. Talk to her, and you'll see.” Many have noticed that the phrasing is nearly identical to the line from the famous thriller, when Sen. Ruth Martin addresses the kidnapper of her daughter, Catherine, saying, “Catherine is very gentle and kind. Talk to her, and you'll see.” https://twitter.com/IENouwen/status/2020088584964125145?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2020088584964125145%7Ctwgr%5E35d5b78a17a39c8933cea82db5535043ef4b09ff%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fwatch-savannah-guthrie-echoed-iconic-silence-lambs-line%2F TAKE A LISTEN   https://twitter.com/RyanSaavedra/status/2019972293032833214?s=20 https://twitter.com/drawandstrike/status/2020283785451806956?s=20   is coming. Remember immediately after that last tranche of documents were released, all of a sudden our international elite class of baby-farming, baby-eating kid fucking criminals were in an increasingly untenable position, where some of ’em had to resign from important positions, and others were being forced into exceedingly awkward explanations/apologies? Well how do you stop the train? How do you arrest the progress of the exposure of your baby-eating/kid fucking activities? Wouldn’t you try to come up with a way to do damage control where you make as VERY PROMINENT PUBLIC WARNING to the mainstream media: You do NOT really want to GO THERE and keep asking us awkward questions. BACK THE FUCK OFF. It could be YOUR mother next…TAKE THE HINT… Now… Who is she? Who is she pictured with? Where was the picture taken? Will Bill Clinton be asked on February 28 who she is and why he was with her on Epstein’s plane? Stay tuned for developments. https://twitter.com/ByronYork/status/2020107433612288444?s=20   BREAKING: Pam Bondi Announces Arrest of Key Suspect in the 2012 Benghazi Attack (VIDEO)  Attorney General Pam Bondi announced on Friday morning that the FBI arrested one of the key players behind the deadly terrorist attack against the US Consulate in Benghazi. Islamic terrorists attacked the US Consulate in Benghazi on September 11, 2012, eleven years after the attacks on the World Trade Center. As noted previously, the Libyan nightmare was the result of a war that President Obama and Hillary Clinton started.  They never should have started the war in Libya, never should have placed Americans there unprotected, and when the Americans in Benghazi were under attack on 9-11, 2012 they should have provided help.  Instead, four Americans died in Benghazi as was famously portrayed in the movie 13 Hours. For days after the attack on Benghazi, President Obama and Hillary Clinton blamed the attack in Benghazi on a made up story about a US citizen who incited protests in Benghazi from a YouTube video about Islam. They continued with the story as the caskets of the four dead Americans, including Ambassador Chris Stevens, were shipped back to the US. Barack Obama and Hillary Clinton left the Consulate to fend for itself and never sent military support to rescue the men trapped at the Consulate. Attorney General Pam Bondi: On September 11th, 2012, Americans watched horrified as our embassy in Bengasi came under a vicious terror attack. We lost four American lives that day: Ambassador Chris Stevens, Sean Smith with the State Department, and two CIA contractors, Glenn Dordy and Tyrone Woods. We have never forgotten those heroes, and we have never stopped seeking justice for that crime against our nation. In fact, from day one, Cash and Dan would sit in meetings and say, We're going to get them, and they did. Today, I'm proud to announce that the FBI has arrested one of the key participants behind the Bengasi attack. Zubar Albaqash landed at Andrews Air Force Base at 03: 00 AM this morning. He is in our custody. He was greeted by Director Director Patel and US attorney Jeanine Piero. Source: thegatewaypundit.com   DOGE Geopolitical https://twitter.com/GuntherEagleman/status/2020137645339226362?s=20   supposed to GUARANTEE freedom, not RESTRICT it!” Poland standing tall against Brussels' Big Brother nonsense. This is what real leadership looks like. No bowing to globalist overlords. Poland remains a STRONG ally of the USA and a fighter for liberty.   Illegal Migrants and Gang Members out of the United States. We discussed many other issues, including Investment and Trade between our two Countries. He loves the people of Honduras, and is focused on their Health, Well-being, Education, and Economic Prosperity. I look forward to welcoming President Asfura back to the United States. Tito: Congratulations on your Great Victory! PRESIDENT DONALD J. TRUMP War/Peace https://twitter.com/BuzzPatterson/status/2020388749834965399?s=20 https://twitter.com/Osint613/status/2020238386108543128?s=20 Security Alert: Land Border Crossings (February 5, 2026) Location:  Iran, countrywide Event:  Increased security measures, road closures, public transportation disruptions, and internet blockages are ongoing. The Government of Iran continues to restrict access to mobile, landline, and national internet networks. Airlines continue to limit or cancel flights to and from Iran. U.S. citizens should expect continued internet outages, plan alternative means of communication, and, if safe to do so, consider departing Iran by land to Armenia or Türkiye. Actions to Take: Leave Iran now. Have a plan for departing Iran that does not rely on U.S. government help. Flight cancellations and disruptions are possible with little warning. Check directly with your airlines for updates. If you cannot leave, find a secure location within your residence or another safe building. Have a supply of food, water, medications, and other essential items. Avoid demonstrations, keep a low profile, and stay aware of your surroundings. Monitor local media for breaking news. Be prepared to adjust your plans. Keep your phone charged and maintain communication with family and friends to inform them of your status. Enroll in the Smart Traveler Enrollment Program (STEP)  to receive the latest updates on security in Iran. If You Plan to Leave Iran:  U.S.-Iranian dual nationals must exit Iran on Iranian passports.  The Iranian government does not recognize dual nationality  and will treat U.S.-Iranian dual nationals solely as Iranian citizens. U.S. nationals are at significant risk of questioning, arrest, and detention in Iran. Showing a U.S. passport or demonstrating connections to the United States can be reason enough for Iranian authorities to detain someone.  U.S. citizens who do not have a valid U.S. passport in their possession should apply for one at the nearest U.S. embassy or consulate after departing Iran. The U.S. government cannot guarantee your safety if you choose to depart using the following options. You should leave only if you believe it is safe to do so. As of Thursday, February 5:   Source:    Medical/False Flags China Bombshell: Patel says Biden-era FBI ‘buried' truth about CCP's ties to biolab on US soil  FBI Director Kash Patel says his agency has resumed an aggressive counterintelligence offensive against China and its Communist Party (CCP) that had been sidelined during the Biden presidency but is concerned the prior administration may have “buried” the truth about dangerous biolabs on U.S. soil tied to Beijing. The FBI boss said the renewed efforts have already resulted in a 40% increase in Chinese espionage arrests in the first year of the second Trump administration. Source: justthenews.com  [DS] Agenda ICE Humilates Far-Left Boston Mayor Michelle Wu in EPIC Fashion After She Signs Executive Order Barring Agency from Conducting “Unconstitutional and Violent” Operations ICE agents delivered a humiliating and richly deserved blow to Boston Mayor Michelle Wu's ego on Friday, one day after she tried to hamstring them for doing their jobs. As WHDH reported, Wu signed an “An Executive Order To Protect Bostonians From Unconstitutional and Violent Federal Operations.” Specifically, the order bans federal officials, including ICE, from using city property for immigration enforcement operations. Wu's office says the order is designed to “protect residents from illegal federal overreach, prioritizing de-escalation, and reaffirms that Boston will hold anyone accountable who commits violence, property damage, or any criminal conduct in the City, including federal officials.” Source: thegatewaypundit.com https://twitter.com/libsoftiktok/status/2020487139377443327?s=20 https://twitter.com/WallStreetApes/status/2019900883082031120?s=20   https://twitter.com/Badhombre/status/2019488291263823960?s=20    “People for the American Way” and Brian Tyler Cohen's “Chorus.” People for the American Way receives most of its funding from George Soros' Open Society Foundations. Brian Tyler Cohen @briantylercohen was recently exposed in a scandal for receiving dark money from the Sixteen Thirty Fund and paying up to $8,000 a month to influencers like Olivia Julianna, David Pakman, JoJo From Jerz, and Leigh “Politics Girl” McGowan to amplify coordinated content. The Sixteen Thirty Fund, managed by Arabella Advisors, receives its funding from three major sources: – Berger Action Fund (Swiss billionaire Hansjörg Wyss) – Open Society Policy Center (Hungarian Billionaire George Soros) – Democracy Fund Voice (French-born eBay founder Pierre Omidyar). Twelve people run the “HQ” account full-time. This is yet another coordinated propaganda campaign funded by leftist billionaires attempting to push their globalist agenda and sow division. Nothing organic or truly Gen-Z about it beyond the faces used to represent it. https://twitter.com/visegrad24/status/2020289816882024790?s=20 President Trump's Plan https://twitter.com/Rightanglenews/status/2020293934413680968?s=20 NBC CAUGHT IN ANOTHER LIE: VP Vance and Wife Were Not Booed at Olympics – It Was Quite the Opposite Vice President J.D. Vance, his with Usha and three children are representing the United States this week at the Winter Olympics.   J.D. was a hit at the Olympics venue.  On Friday night during the opening ceremonies NBC claimed the crowd was booing when J.D. Vance and his wife were pictured on the big screen. What disgusting people. Of course, this lie was quickly exposed by several fact-checkers online. Ovation Eddie 2 caught the media in their latest disgusting lie: https://twitter.com/EricLDaugh/status/2020155556158136778?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2020155556158136778%7Ctwgr%5Ed35db378d07d7f30cba1d9449c0da87c52040e2a%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fnbc-caught-another-lie-vp-vance-wife-were%2F   Remember: You can never trust a single word coming from the anti-Trump, Anti-American legacy media. Source: thegatewaypundit.com   https://twitter.com/MrAndyNgo/status/2020310461267202235?s=20   https://twitter.com/CynicalPublius/status/2020285717713453058?s=20   that out. Democrats Cry As Trump Makes It Easier to Fire Federal Workers The Trump administration is planning to make it easier to discipline—and potentially fire—career officials in senior positions across the government, a move that would affect roughly 50,000 federal workers. The U.S. Office of Personnel Management, which oversees the federal workforce, issued a final rule on Thursday that creates a category of worker for high-ranking career employees whose work focuses on executing the administration's policies. Workers who fall into that category would no longer be subject to rules that for decades have set a high bar for firing federal employees.  The Trump team, however, characterizes the move as one that gives the executive branch the ability to better shape the bureaucracy to help serve its agenda, instead of allowing it to clandestinely thwart it: The administration has been clear that the goal of the rule is to more easily fire workers they argue are hindering Trump policies — a nod to the president's claims of a “Deep State” within the federal government trying to undermine him. “This is not about people's views or ideas. This is about whether they are refusing to actually affect their duties on behalf of the American people consistent with the objectives of this administration,” said Scott Kupor, director of the Office of Personnel Management (OPM), which promulgated the rule.   Source: redstate.com https://twitter.com/drawandstrike/status/2020298873923567783?s=20   doesn’t agree with the 5th Circuit’s ruling. How in the world would you REINSTATE a policy where an illegal who successfully evaded detection at a port of entry has legal recourse to bond when those illegals detected at a port of entry do not? The 5th just rightfully found that NEITHER kind of illegal should have recourse to bond – whether they are detected at a port of entry or they successfully sneak into the country and are here for months/years before being caught. The fact this absurd situation persisted for decades shows you the system was rigged to allow human trafficking and to create a literal legal industry to facilitate it.      Trump can “legally” mass deport ALL illegals, whether they have committed a crime or not. “A federal appeals court ruled that Trump administration can lock up the vast majority of people it is seeking to deport without offering a chance for bond, even if they have no criminal records and have resided in the country for decades.        https://twitter.com/alexahenning/status/2020196173663867144?s=20 https://twitter.com/HansMahncke/status/2020253940374245522?s=20   https://twitter.com/DNIGabbard/status/2020227805976678574?s=20  control of the Whistleblower's complaint, so I obviously could not have “hidden” it in a safe. Biden-era IC Inspector General Tamara Johnson was in possession of and responsible for securing the complaint for months. – The first time I saw the whistleblower complaint was 2 weeks ago when I had to review it to provide guidance on how it should be securely shared with Congress. – As Vice Chair of the Senate Intelligence Committee, Senator Warner knows very well that whistleblower complaints that contain highly classified and compartmented intelligence—even if they contain baseless allegations like this one—must be secured in a safe, which the Biden-era Inspector General Tamara Johnson did and her successor, Inspector General Chris Fox, continued to do. After IC Inspector General Fox hand-delivered the complaint to the Gang of 8, the complaint was returned to a safe where it remains, consistent with any information of such sensitivity. – Either Senator Warner knows these facts and is intentionally lying to the American people, or he doesn't have a clue how these things work and is therefore not qualified to be in the U.S. Senate—and certainly not the Vice Chair of the Senate Intelligence Committee. Here is a detailed chronology of the situation: – June 2025, I became aware that a whistleblower made a complaint against me that after further investigation, neither Biden-era IC Inspector General Tamara Johnson nor current IC Inspector General Chris Fox found the complaint to be credible. – The complaint required special handling and storage in a safe because the complainant chose to include highly sensitive information within the complaint itself rather than referencing the sensitive reporting and leaving the complaint at a lower level of classification. – Security standards for complaints that include such sensitive intelligence required the Inspector General to keep the complaint and the intelligence referenced secured in a safe from the time the complaint was made, until now. – In June 2025 after Biden-era Inspector General Tamara Johnson completed her review of the complaint, no further oversight or investigative activity took place. – Biden-era Inspector General Johnson had communicated with me directly throughout the course of her investigation into this complaint, yet neither she nor anyone from her office informed me that the Whistleblower chose to send the complaint to Congress which would require me to issue security instructions. – When a complaint is not found to be credible, there is no timeline under the law for the provision of security guidance. The “21 day” requirement that Senator Warner alleges I did not comply with, only applies when a complaint is determined by the Inspector General to be both urgent AND apparently credible. That was NOT the case here. – I was made aware of the need to provide security guidance by IC Inspector General Chris Fox on December 4, 2025, which he detailed in his letter to Congress. – I took immediate action to provide the security guidance to the Intelligence Community Inspector General who then shared the complaint and referenced intelligence with relevant members of Congress last week. Senator Warner’s decision to spread lies and baseless accusations over the months for political gain, undermines our national security and is a disservice to the American people and the Intelligence Community. https://twitter.com/seanmdav/status/2020151219210137711?s=20   https://twitter.com/AlecLace/status/2019802427487027667?s=20 https://twitter.com/WallStreetMav/status/2020150184374681890?s=20 https://twitter.com/AlecLace/status/2019849309148311983?s=20 https://twitter.com/TheStormRedux/status/2019941561367191842?s=20 https://twitter.com/Rasmussen_Poll/status/2020183096667128211?s=20  2. ALL VOTERS MUST SHOW PROOF OF UNITED STATES CITIZENSHIP TO REGISTER FOR VOTING.   3. NO MAIL-IN BALLOTS (EXCEPT FOR ILLNESS, DISABILITY, MILITARY, OR TRAVEL!). https://twitter.com/WarClandestine/status/2020314452483342609?s=20     (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Why do some teens seem to effortlessly rise to the top—winning scholarships, earning Ivy League acceptances, and excelling in everything they do—while others with similar stats struggle to stand out?In this first episode of a 3-part series, we uncover the real barriers to high performance—starting with the most overlooked: stamina.You'll learn:Why energy (not ambition!) is the true foundation of performanceHow chronic sleep deprivation sabotages productivity, decision-making, and emotional controlThe simple but powerful habits inside the Ivy League Health ChallengeHow one overcommitted student made a single change, and everything got better-----To register for the Ivy League Challenge, visit our websiteTo follow on Instagram:  @TheIvyLeagueChallengeTo join us on our Facebook group for parents

The family of Nancy Guthrey, who's been missing 7 days now, has published a new video on social media directed at the potential abductor or abductors of their mother. They say they'll pay a ransom.The Pentagon is moving to cut its historical academic ties with Harvard University. Secretary of War Pete Hegseth says the Ivy League school is a hotbed of anti-America activism, highlighting its ties to the Chinese Communist Party and saying it no longer meets the needs of the War Department or its military services.Ukrainian President Volodymyr Zelenskyy says the United States has set a deadline for peace negotiations in the Russia–Ukraine war. Zelenskyy says they have until June, adding that Washington is likely to put more pressure on both sides if fighting continues beyond that point.

Jeffrey Epstein's entanglement with Leon Black and Larry Summers runs through the Jeffrey Epstein VI Foundation and its flagship project, the Institute for New Economic Thinking (INET), born out of the wreckage of the 2008 financial crisis. Black, the billionaire Apollo founder, bankrolled INET with roughly $25 million and installed himself as its chief patron, while Summers — fresh off his controversial presidency at Harvard and a career bouncing between Wall Street and Washington — became one of its intellectual faces. Epstein, already a convicted sex offender by 2008, quietly emerged as a financial conduit and behind-the-scenes broker for INET and its affiliates, using donor networks, shell foundations, and elite access to move money and cultivate influence. Through Epstein's foundation, funds were routed into academic projects, conferences, and research hubs that placed him back inside elite academic circles that had supposedly shut him out, laundering his reputation through economics, philanthropy, and intellectual respectability.What makes the IPI/INET web so corrosive is how thoroughly it fused money, power, and reputational cover. Black would later admit paying Epstein $158 million for “tax advice,” an explanation so implausible it collapsed under its own weight, while Summers maintained institutional ties to projects and donors connected to Epstein long after his 2008 conviction was public record. Epstein was not a peripheral donor — he was a facilitator, recruiter, and fixer who connected hedge-fund money, Ivy League legitimacy, and political access in a closed loop that insulated all participants from scrutiny. The IPI ecosystem gave Epstein exactly what he needed after Florida: proximity to young academics, international travel, visa sponsorships, and an elite shield that made him look like a disgraced financier turned reformed intellectual benefactor. It wasn't an accident, and it wasn't ignorance — it was a deliberate system where billionaires, former Treasury secretaries, and a convicted predator all found mutual benefit inside the same polished academic machine.to contact  me:bobbycapucci@protonmail.com

Season 2 Episode 1 of Wall Street Diaries is here! It features @KevinYangImpact went from valedictorian at Michigan Ross to investment banking at Guggenheim TMT, private equity at Vector Capital, and ultimately into global impact investing and founding his own firm. His path blends prestige, finance, and purpose in a way few careers do. Kevin talks about breaking into banking from a non-target or semi-target background, how he became a top performer in Guggenheim's analyst program, what surprised him about private equity, and why he stepped off the traditional finance track to work on climate and poverty alleviation across the world. He also shares how he now helps build early-stage social enterprises and what he has learned about combining analytical rigor with mission-driven work. In this episode, Kevin shares ◼️ How he broke into Guggenheim TMT without Ivy League access ◼️ What helped him succeed as a top analyst and later in PE ◼️ The tradeoffs between banking, private equity, and impact ◼️ How impact investing actually works behind the scenes ◼️ Why he founded Advancing Impact and what he hopes to build ✉️ Connect with me Instagram: https://tinyurl.com/3dv9ff3b LinkedIn: https://tinyurl.com/mrxd9fvu Book a call ☎️ https://tinyurl.com/2rvxtjmn Website https://tinyurl.com/c3advtcv

In this episode, host Gerald J. Leonard pulls back the curtain on his personal journey into the world of Artificial Intelligence and accelerated learning. What began as a physical constraint, losing the ability to walk before a TEDx talk, became a catalyst for discovering the neuroscience of learning and the superpower of accelerated adaptation. Gerald shares how he applied principles of music, meditation, and transformational learning techniques to not only recover but to thrive, eventually tackling four simultaneous Ivy League courses in AI. From this intense period of study and experimentation, the Jet Prompt Optimizer was born, a custom tool designed to solve the universal problem of communicating effectively with Large Language Models (LLMs). This conversation is a deep dive into how curiosity and systematic learning can lead to innovation. Gerald explores the direct link between mastering new skills, building intelligent systems, and reclaiming personal time and freedom. He reveals how the right tools can transform chaos into calm, automate heavy lifting, and allow us to focus on what makes us uniquely human, creativity and connection.   What We Discuss [00:00] Introduction [02:04] Gerald's superpower & personal story [02:27] Discovery of accelerated learning techniques [03:16] Inspiration for Jet Prompt Optimizer [05:12] Development journey of Jet Prompt Optimizer [06:31] Patents and unique approach [07:24] Benefits for clients and personal life [08:42] Course and community plans [09:53] How to connect with the guest [10:47] Podcast closing & call to action   Notable Quotes [02:16] "I lost the ability to walk six weeks before my TEDx talk, and I was able to recover because I'm a musician as well." – Gerald J. Leonard [04:06] "AI is not broken. We just don't know how to communicate with it clearly." – Gerald J. Leonard [06:05] "I built Six Sigma and evaluation frameworks into the prompts so AI gives you what you actually want." – Gerald J. Leonard [08:23] "The systems are doing the heavy lifting and we can be humans and connect on an emotional level." – Gerald J. Leonard   Resources and Links Productivity Smarts Podcast Website - productivitysmartspodcast.com Gerald J. Leonard Website - geraldjleonard.com Turnberry Premiere website - turnberrypremiere.com Scheduler - vcita.com/v/geraldjleonard   Kiva is a loan, not a donation, allowing you to cycle your money and create a personal impact worldwide. https://www.kiva.org/lender/topmindshelpingtopminds

Yale announces free tuition for families earning under $200K, following similar moves by other Ivy League schools. Is this real progress or just PR as the value of college drops? This clip debates fairness, foreign students, merit, and whether higher education is losing relevance.

As we transition in offseason mode, Ohio State is hard at work.  We focus on the Buckeyes adding an Ivy League Ohioan from the transfer portal, where coaches are on the road, our future at nose tackle and a lot more. It's a potpourri of knowledge featuring our Garrick Hodge and Mark Porter. Schedule chatter? Offers going out? This is where you need to be to get all Bucknutted up. Spend 5ish with us this a.m., Nutters! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices