Podcasts about john d rockefeller

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  

The Gilded Age was marked by the rise of powerful industrialists - but four men in particular are known for the power they wielded and the complex legacies they left behind. John D. Rockefeller transformed oil. Andrew Carnegie's steel empire was built on efficiency and reinvestment. Cornelius Vanderbilt revolutionized transportation and railroads in American and J.P. Morgan's financial prowess consolidated entire industries. Together, these men permanently reshaped the American economy for generations. Yet, their methods led to significant consequences. Tune in this week to explore how these men built their empires - and why their complicated legacies remain a central debate today. Support the show

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith explores how a shift in mindset can change the way you build wealth, why so many new landlords are entering the market, and what recent economic trends could mean for future rents.  You'll also hear how one Florida investor is navigating a changing housing landscape, and learn about a timely opportunity in one of the country's fastest‑growing real estate markets—all without needing to be a hands-on landlord. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/593 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   Welcome to GRE. I'm your host. Keith Weinhold, the risk of delayed gratification is denied gratification. There's a new wave of landlords. Wages are rising faster than both inflation and home prices. Learn what that's going to mean for rents. Hear the voices of five different Federal Reserve chairs, then GRE announces our biggest event of the year, and you're invited today on get rich education.   Corey Coates  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:16   mid south home buyers, with over two decades is the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Corey Coates  2:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:35   Welcome to GRE from the Adriatic Sea to the Atlantic Ocean and across 188 nations worldwide, I'm Keith Weinhold, and this is get rich education. Sometimes we all need a mindset reset, and this can include me. Sometimes. James clear, the author of atomic habits, says there are four types of wealth, financial wealth, which is money, social wealth, which is status, time, wealth which is freedom, and physical wealth, which is health. Be wary of jobs that seduce you with one and two but rob you of three and four. That is to say, be careful with jobs that seduce you with financial and social wealth but rob you of time and physical wealth that is definitely going to happen to you during your life, especially early in your working career. But many people, even most people, they don't do much about this. They just go on and on, selling their soul to their employer for decades. Sometimes paychecks aren't compensation. They're a bribe from an employer to give up your dreams early in your career, delayed gratification actually makes some sense, because you need capital formation, you need down payments, you need dry powder. That is totally fair and the time in your life for delayed gratification. But there's a point that most people miss, the point where delayed gratification quietly mutates into denied gratification. This is huge. Most people miss this inflection point. When is this point in your life? That's when I'll do it later becomes, well, I guess I never did it at all. They look up at what they've got at age 65 and realize that they have a respectable title. They still wear Dockers pants. They have a 401, K that they must start paying tax on, and knees that creak louder than. The front door. Compound Interest hardly outpaces taxes and inflation. That's just going to keep you in one spot, you know, and you're never going to get that time back. There is no do over there. So you need to get to the point where you can be more frugal with your time than your money. Younger people have a harder time adopting this mindset, and that's a little natural, because they have more time and less money. Sooner than later, you must desperately get financially free so that you can simply be your self workaholics, optimize income instead of assets, and you can't let that happen, because labor does not compound and capital does compound, your quality of life will exceed your cost of living when your life is funded by what you own, not by what you do that takes a different mindset. You can either be a conformer or you can build wealth when you invest in real estate that pays five ways. It's like what you're doing is buying future Tuesdays, where you never have to work again and then later, add on future Wednesdays, where you never have to work again because you got the compound leverage instead of the impotent compound interest. I mean, just consider your two and a half million dollar portfolio that is passively doing the same work as someone who sells 40 to 50 hours a week of their life away for 100k in yearly salary. All right, maybe you're thinking, Oh, that all sounds thought provoking, but if you're not engaged on that, it can sound airy and philosophical and even risky. It's sort of like, yeah, you're cueing the acoustic guitar music and slow motion images of someone pensively gazing at a sunset.   Keith Weinhold  7:12   All right, what is the concrete plan? It's not all about mindset. It only starts with mindset. You got to make that actionable. Well, we constantly provide concrete plans for you here on this show, and I've got another concrete plan for you toward the end of the show today. This harkens back to what I discussed with you seven weeks ago, seven episodes ago on the show. That's when I discussed the world's first billionaire, John D Rockefeller and his enduring quote from about 100 years ago, he who works all day has no time to make money. Yeah, that's the quote a little review. What you learned seven episodes ago is that Rockefeller meant, if you spend your life doing tasks, you're never going to rise high enough to own things that pay you for life. The bottom line here is that earning a living is a distinctly different activity than building wealth. That's what we're talking about here.    Keith Weinhold  8:14   Well, there is a new wave of landlords entering the market, and they are reshaping what owning rentals looks like. One survey by rental platform avail of nearly 2000 users. It's really influential. It found that 53% of landlords became landlords in the last five years. So you have a lot of new landlords with the most 17% of landlords entering the market in just the last year, most purchased a property specifically to rent it out, and 1/3 sort of backed into this business by renting out their former residence. Of course, some people want to rent out their former residence today, if they got locked into that sexy owner occupied three and 4% financing from 2022 and earlier, the survey went on to tell us with some really good takeaways here, 72% of landlords manage between one and four units, and this avail survey. I mean, it's just another one that shows that the majority of landlords operate small portfolios, classic mom and pop investors. That one's not too surprising. The top three reasons that landlords gave for entering the rental market, they're pretty interesting. The number one reason for getting into this at 41% of respondents is building long term wealth. Next 33% for generating passive income, and the third most popular one, it's a distant third, it is preparing for retirement at 13% so building long term wealth is the number one reason for getting into this, and that is the right reason. Them when it comes to ownership structure, 64% said that they own the property individually, whether that's through a single member LLC or in their own name, doing it, yeah, individually, rather than with a family member or a business partner. So really, the summary of this terrific, recent avail landlord survey is that if you're just getting started, you're not alone. A lot of people are most own properties solely in their own name, and the number one reason for doing it is to build long term wealth. Now there's another pervasive set of economic trends out there in the broader economy, but it's really a benefit for real estate investors, and that is the fact that wage growth has now outpaced consumer price growth for three years. Yeah, another way to say that is that wage growth has outpaced inflation for fully three years. Yeah, most people just aren't feeling it yet. So you might be taken somewhat aback by that, and why aren't people feeling that wage growth is faster than inflation, the pandemic inflation spike that was so huge, it was like getting hit with a freight train, and then someone tells you, good news, the train has stopped. Yeah, that's nice. You are still lying on the tracks, rubbing your ribs. That's because we're all still absorbing spiked prices for everything from a lumber two by four to a York Peppermint Patty, year over year, wages are up 3.8% and consumer inflation is 3% All right, so wages above inflation, that means things are getting a little more affordable, but both wages and inflation have grown faster than home prices, which have only grown about one and a half percent, and this is all per the BLS in the FHFA, so wage growth Being more than double home price growth. Well, that trend really makes properties more affordable, but historically, they're still not that affordable. Everybody knows that home prices soared until about 2023 that was the turning point, and now wages are in their catch up phase. All right, but what really matters to real estate investors is, when will this wage growth translate to rent growth, historically, big rent growth that lags big home price growth by about two to four years. So you have the big home price growth, big rent growth hits two to four years later, historically. Now, if that holds true, we should finally see substantial rent growth this year or next year. Rent growth has still been pretty soft in the one to four unit space, and even there are rent decreases in the overbuilt apartment space. Future income growth promises to make homes more affordable. Affordability has already improved, with mortgage rates hovering near three year lows. There's one problem, though, that most people overlook, and that is this wage growth has been skewed toward the higher income deciles, renters, especially workforce renters, they don't feel it until later. So this 3.8% wage growth, it's heavier for higher income people, and it's lighter for lower income people. I swear, when there are enriching economic trends, it always hits the higher income people first, and it doesn't trickle down until later. So if you as an investor, are positioned before the rent wave hits, you are surfing, and if you wait to feel it, you're swimming behind the boat. Higher wages should translate to higher rents in the next one to two years. And as far as some other forces, as we all know, the man occupying the oval office in the White House, the President, he wants lower rates. The current Fed Chair isn't so willing to do that. The next one, the one he appointed, Kevin Warsh, who arrives in May. He seems more receptive to lower rates, but it's gonna take a while. It all moves so slow. We have had 16 fed chairs before worsh over 112 years. And look how much of an econ nerd Are you? Are you as bad as me? These voices are in chronological order, and I can name each speaker.   Corey Coates  14:47   You're going to have to live with the fact that forecasts have a range of uncertainty, irrational exuberance.   Corey Coates  14:54   In my opening remarks, I'd like to briefly first review today's policy decision, but   Corey Coates  14:58   first I'll review recent. Economic developments in the Outlook, and we are well positioned to wait to see how the economy evolves.   Keith Weinhold  15:06   If you can name each of those speakers, I would love to give you a free property from gremarketplace.com but I can't quite swing that in order. Those voices are Paul Volcker. He served from 1979 to 87 he was known for crushing double digit inflation by jacking rates to near 20% it was painful medicine, but it worked the next one. Alan Greenspan sir, from 1987 to 2006 that was a long reign, almost 20 years. He oversaw the 90s economic boom, the.com bubble and the early housing bubble. Years so far, Greenspan is the only Fed chair that I have met in person. Then Ben Bernanke, he was the Fed chair from 2006 to 2014 he took the helm right before the 2008 financial crisis. He rolled out QE and emergency lending on an historic scale. In fact, he was nicknamed helicopter Ben because it's like he would print so much money that he just dropped it out of huge sacks, dollar bills in huge sacks, dropping them from an airplane, metaphorically, not literally. Then Janet Yellen, 2014 to 2018 she kind of continued this post crisis normalization, and she was the first woman to chair the Fed and then, of course, Jerome Powell serving from 2018 to 2026 he navigated the covid stimulus, ultra low rates. And then after that, the fastest rate hiking cycle in decades to fight inflation back in 2022 being the Fed chair is the most important job in this economy, and over the decades, there's been more of a movement of the fed into the public eye. You just hear about them more in the media than you used to. But like I touched on last week, it just still doesn't mean as much to real estate investors as a lot of people think, people sometimes look for someone else to come save them, but it's more about you and the choices that you make that's what means more housing supply and demand means more real estate investors have profited during every one of those Fed Chair reigns, which go back almost 50 years from Volcker to today, I think everybody knows that fed chairs don't control property prices, and they don't even control long term interest rates. What's a little paradoxical is that Trump has been vocal about how he wants more affordable home prices, yet at the same time he wants existing homeowners to have their home prices go up, those two things seem to be in tension. They're in conflict with each other. The only way you can possibly get both are through lower mortgage rates. But is he going to see later today you as a GRE follower, you don't have to wait for lower rates income, property still feels less affordable than it did five years ago, because it is that's real but here's the key distinction in what makes real estate investors different from owner occupied homeowners. Affordability isn't about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting. Higher prices don't kill investors. Inaction during inflation does you're not buying a say, $350,000 property. You're controlling it with $70,000 while your tenant and inflation do the rest. We do not rely on hope or appreciation. We start with income tax benefits and debt pay down and then leverage appreciation typically happens as well. GRE only succeeds when investors close on properties that perform long term. One bad referral costs us years of trust, so we don't do that. The best question for you really isn't whether property is affordable. The question is whether owning an investment property is better than inflation compounding against you. That's the investor lens today.    Keith Weinhold  19:24   coming up next week on the show here, we're going to discuss apartments. It's been a truly be leaguered sector, where their prices have fallen 2030, and 40% in many markets. We've discussed apartments here on the show a lot before, like with Grant Cardone on episode 264, with Ken McElroy, countless times with me monologuing about apartments. And next week, we're going to talk to a multifamily educator who is known as the apartment King. Later on, a future show, we've got the return of the financial. Firebrand, and lately, the financial comedian Garrett Gunderson, a powerful speaker. That's definitely going to be interesting. As for today, you'll hear a first person account from a Florida resident about why he's moved to Florida and why he invests there. You've heard of this guy before. That's next. I'm Keith Weinhold. You're listening to Episode 593, of get rich education.    Keith Weinhold  20:26   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/G. R, E,    Keith Weinhold  21:02   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  22:13   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   Zack Lemaster  22:47   this is rental retirement Zach Lee Masters. Listen to get rich education with Keith bleinhold, and don't quit your Daydream.   Keith Weinhold  23:02   I'd like to welcome in our own in house. GRE investment coach, we haven't had you on the show since November. Welcome in Naresh.   Naresh Vissa  23:11   Kwith, It's a pleasure to be back on the show. Thanks for having me on.   Keith Weinhold  23:16   We're just playing it all casual and comfortable here in house. You were just finishing up, what ice cream or a container of something right before we got started   Naresh Vissa  23:25   here, all done with the ice cream and ready to record the podcast.   Keith Weinhold  23:29   Yeah, all right, keeping cool for our chat. Well, you know you do live in Florida, so you must have your own perspective on the Florida market. You live in the Tampa area, and the reason that that's a germane topic is that's something we've been talking about here lately as really an opportunity, and that is because most of Florida has seen some temporary property price attrition, but yet more population growth is projected. So that's why we feel like that's temporary. But why don't you tell us about what you see on the ground there?   Naresh Vissa  24:07   Keith, I've lived in Florida for 11 and a half years now. That's Tampa, Florida. I like Florida a lot. I moved here December 2014 for similar reasons that many people are moving here today. So I moved to Florida in December 2014 because of no state income tax, because of, at the time, lower cost of living. Florida was one of the states I got hit the hardest during the 2008 financial crisis, or nothing called in a real estate crisis, Florida, Arizona, those few others got hit really, really hard. So Florida at that time was still rebounding from 2008 so I moved for the affordability, the no income tax, of course, the weather better. Weather. And then most places in the Northeast I've lived so weather is a big deal when it comes to real estate and geography as well. These are all different reasons to move to Florida, and these are the reasons why I moved to Florida. I was also single in my 20s, so I was much younger at the time. I was single in my mid 20s, and Florida is very good for that too. For 20 something Gen Z folks today, Florida is definitely a place that they should consider. I moved down here and I fell in love with it. From day one. I got a place living right on the water, a beach. Got beaches everywhere. Florida's tour. And I say all this because these are all enticing features of Florida, for renters, for tenants, for snowbirds. I had never even heard of what a snowbird was until I moved down to Florida, where you have people who literally live here for seven months of the year, and then they live in their home state for five months of the year. So that's generally what it is, seven months in Florida, five months in their home state, which can be the people I know personally are from New York, Connecticut, Illinois, Ohio. The list goes on and on. Basically anywhere that's north of Florida could be considered a snowbird area. So that's another reason why Florida is a very hot market. Now, obviously, during the pandemic, in end of 2020, people started moving to Florida in droves. Part of it was politically, because you didn't have the restrictions that other states had during that crazy time that we lived through. And another part of it was work from home. So similar to me, in 2014 when I became full time work from home, I wanted to move somewhere for all those different reasons that I gave you the total package, and Florida fit that there was maybe one other state that fit the bill, based on everything that I told you, probably one other state. That's it. So Florida fit the bill, and that's why I think Florida is always going to be despite the hurricane prep, Florida is always going to be a destination that people will seriously look at whether you're older, retirement age or younger. Like I said in my mid 20s, single guy Florida is always going to be that destination for all the reasons that I laid out. So with that being said, what does that mean for real estate? What that means for real estate is that there's going to be a constant supply of people coming into Florida, and when there's a constant supply of people coming into Florida, then you can expect real estate prices to at least not decline. We passed, you know, all sorts of bills, including Dodd Frank post 2008 to prevent people from taking out mortgages that they couldn't afford. So now that that's out of the way, when you have a constant supply of people who are able to afford homes, who are able to afford rents, well, that's going to be a constant supply. So that's good for investors, that's good for appreciation. It's good for cash flow. And that's why I'm a huge fan, not just of the state of Florida, but also investing in Florida. And I own real estate in Florida, and you can say that I lucked out, but I bought a property in 2019 and it nearly doubled in value, yeah, when I say doubled in value in a matter of I want to say, like, two years, two and a half years, it nearly doubled in value. So with that being said, Florida, this was a rare cyclical trend when we just saw this huge upswing, rare cyclical trend. But I don't anticipate cycles like this, where you're going to have booms and busts. Moving forward, we haven't seen a bus since 2008 like I said, the the law has been taken care of in that sense, the regulation. I love the state. I've lived in six major cities, but maybe five different states, and Florida is hands down my favorite. That's why I've lived here for what did I say? 11 and a half or 12 and a half years? I don't even remember anymore. It's actually 11 and a half. My roots are here. I now consider myself a Florida person, even more so than the state of Texas, where, which is where I spent 18 years. I have no doubt that I'll surpass 18 or 19 years in Florida, and that this is it, right here. And a major reason is because this is just such a great state. It's free, it's real estate friendly. This is for people who are looking at buying primary residences, not for investment properties. But the governor has put on the ballot this coming election cycle to remove, to abolish the property tax in the state of Florida. So if you own, if you live full time, not a snowbird, not investors, but if you live in Florida permanently, then no more property tax if the vote passes. So that's another huge plus for owning property if you're a permanent resident in Florida,   Keith Weinhold  29:57   yeah, even if the property tax is abolished. Which seems unlikely, you could just tell what the tenor and the temperature of the tax climate and the investing climate is like in Florida, if they're even spearheading such a proposal, and they're a national leader in something like property tax abolition, like they are and Naresh about eight years after you moved there, which would be, what about 2020? 2022, somewhere in there, we had that strong pandemic migration push into Florida. What's happened is that that flow has slowed down. There's still positive net in migration in there in Florida. But the builders, they got ahead of this, and the pandemic migration wave waned, and they had a temporarily overbuilt condition, and they still do now, which is one reason why we've seen prices fall somewhat in most Florida zip codes, and this spells part of the opportunity. So you do have all these new build properties, some of which are vacant, but you have a good chance they're going to get absorbed pretty soon. And there are some obvious advantages to owning new build.   Naresh Vissa  31:11   Well, Keith, there is brand new construction in Florida, like you said. The work started in 2021 and there are homes that have not been sold. I don't want to say, since they were finished building in 2021 they recently finished building in 2025 and these homes could be a variety of reasons. It could be economic related. It could be hurricane related. In Tampa, the Central Florida, we had two horrible hurricanes back to back within a 15 day period, two really bad hurricanes towards the end of 2024 September and October 2024 and people lost their homes. Renters lost their homes. Other people just were freaked out and scared and said, You know what? I don't want to deal with. I've got PTSD from these hurricanes. I'm moving up to Alabama or Georgia or Orlando, you know, somewhere in Central Florida, that's a way. But even that area, you know, the hurricane still made it through to those areas too. People just picked up and said, You know what I'm done with Florida. It's a great state, but I don't want to deal with these hurricanes. And so regardless, whatever the reason, this is a pie, and these are all slices of the pie, I don't know what's been more of a contributing factor than which one has been more than the others. But with that being said, there are tons of properties in Florida, pretty much the entire state of Florida, where, especially new construction properties, are below at the time when they were being built, they're below what they anticipated being listed as. And So Keith, we're having a special webinar this Thursday, talking about these properties because they are discounted properties. They are properties that are selling at tremendous discounts, like I said to when Ground was broken years ago. So join that webinar. Gre, webinars.com gre webinars.com. Again, brand new construction. Many of these properties already have tenants in place. Not all of them, but many of them do already have tenants in place. There are all sorts of incentives that the builder is offering. And there are many builders in that, not just this one that's going to be on the webinar, but in Florida, there are many builders who are offering discounts, rate, buy downs, other incentives, because the home values have fallen somewhat a bit. Why have the home values falling? Because the demand has fallen as well. So again, the next question people might have is, well, if the demand is falling, if home home values are falling, why would I buy the trend is downward. And the answer is, whether it's a stock or any other security, you don't necessarily want to have the FOMO to buy at an all time high, just because everyone else is buying it. And I actually have family members who bought real estate at the peak of 2022 there was FOMO and there was, hey, you know, I need to get a flip, and they're down. They bought peak 2022, and they're down today. Because, look, you can pick any housing market in the country, especially a prime state like Florida. Look at any 30 year period, and you will see that home values are up double digits, even if you look at 2009 when the housing market crashed and we reached something like 10 year bottom in housing, if you look at the 30 year period, well, if someone who bought a house in Florida in, say, 1979 was still way up on their property in 2009 30 years later, we're not buying Bitcoin here where it can go up 30% in one day or go down 30% in one day. We're talking real estate, and real estate has been proven. It's been tested. It's been proven throughout time, not even a 30 year period. I think if you take any 20 year period, you're going to see the same trend of double digit gains, double digit growth. On real estate appreciation. So I'd say, if you're skeptical about Florida, you see these home values, all these discounts, that's the first thing I hear from followers. They say, why are they offering so many discounts? I'm a little concerned about all these discounts and incentives, and I don't know if that's a good thing. Well, I say, Well, I mean, you can buy full price in another state, if you'd like, you know, in California or so you could, you're more than free to buy full price. But we're talking Florida here. We're not talking about West Virginia or Rhode Island, or, you know, Nebraska. We're talking Florida. This is still the land of Mickey Mouse and Minnie Mouse, this is the land of the best beaches in the country. I mean, they there's just no arguing or debating these facts. Florida all the reasons that I stated earlier, is going to continue to be a hot, hot market. So I highly recommend people, if you want to get in on these discounted deals, G R E, webinars.com G R E, webinars.com register for our upcoming online and live special event this Thursday evening at 8pm Eastern Time, 8pm Eastern Time, gre webinars.com you won't want to miss this free, online and live special event.   Keith Weinhold  36:25   When a pound of oranges is on sale or a pound of zucchini is on sale, consumers are often attracted to that sale. Should probably be the same way with you considering adding to your real estate portfolio, and it's funny, when oranges of zucchinis are on sale, no one tries to find fault with it and think that they're rotten inside or something like that. But somehow with real estate or an investment that tends to get scrutiny from people, but these are real discounts that you're getting over buying, say, two years ago, and we're talking about a motivated seller here. And as you know, Naresh, we had the builder on the show last week, the one that's going to be co hosting the webinar with you on Thursday, and he talked to us about buying down mortgage rates to between 3.75% and 4.25% and we're here at a time where the owner occupied rate is six to six and a quarter the investor rate is seven, so you're getting about a three percentage point buy down. That's really the attraction. And Naresh, before I ask you, if you have any last thoughts, yes, again, it is our live event that you can attend from the comfort of your own home, Thursday the 19th, at 8pm eastern in just a few days, here with Naresh and the builder who you heard on last week's show, co hosting a live webinar for Central Florida so inland new build income property. It's free. You're invited, and the benefit of you attending live is that you can have any of your questions answered in real time. You're going to learn more about the Central Florida market and more about the home building process, and you are going to be able to see available new bill property, real addresses, with some of these pretty grand incentives that we've talked about again. GRE webinars.com, any last thoughts? Naresh   Naresh Vissa  38:17   I get a lot of questions about is right now the time to buy? Should I buy later? What's going to happen with real estate? And I know the number one question, or the number one caution our followers are going to have, is, is right now the time is March or April, the time. And I say, look, with real estate, I already gave you the figure that you take any 20 year time period, any 30 year time period, and that's our time horizon here at GRE again, we're not trying to buy bitcoin here and flip it, you know, two days later, we're looking to buy and hold for, I don't want to say forever, but I know my time horizon in general is the full 30 year term, at least for my properties, and some people you know, want 10 or 15 years. That's fine too, but that's the time horizon. It is not one year, two years. We're not flipping new construction properties here in Central Florida. We are looking to buy and hold over the long haul, get some very good, high quality tenants in there, in these new construction properties, so that you, the GRE follower and the investor, can collect your monthly cash flow as well as over that 20 year period, or that 30 year period take part in appreciation as well. We've also talked extensively, Keith in previous episodes about interest rate cuts that the Federal Reserve is going to be doing, and just know this, there's a reason why the builder is offering these incentives where you can get the rates so low, your mortgage rate can be so low, and it's going to take at least a year, even if the Fed goes to zero. I mean, it's going to take mortgage rates a very long time. And to reach that point of getting such low interest rates that you just laid out, so that even makes it more enticing, like, Hey, I basically have a head start on the Federal Reserve because I follow the Fed pretty closely. We don't need to get into those details, but it's looking heavily like they are going to be start cutting again later this year, this summer. So it's looking like they're going to do that, but again, now you can have a head start, because when the Fed starts doing that, and when the mortgage rates fall, then everybody's going to jump in. And what's going to happen to the home values once everybody jumps in, well, they're going to go up. You want to jump in when everybody is not jumping in, and when you can get an amazing deal on these interest rates thanks to the builder buying down your interest rate. So this is a GRE special you can't get these deals. I challenge our followers to go on the internet and try to find better incentives or deals. And what you're going to see on this webinar, on this online, live special event. So gre webinars.com you can join me as well as our special guest. He heads up the builder. His name is Jim. He's going to be on with me. And please join us at grewebinars.com sign up for this free and live online special event.   Keith Weinhold  41:20   These are some great points. There's a lot of anticipation for Thursday, Naresh. We'll see you then.   Naresh Vissa  41:25   Thanks, Keith.   Keith Weinhold  41:32   Oh yeah, a first person account on Florida life and opportunity from our own Naresh nationally, the build to rent model that has been a real success, building single family rentals with the intent that they are rentals. From day one, over 321,000 homes have been built specifically as rentals this way since 2012, and more than three quarters of those in just the last five years. So the build to rent trend is picking up steam. About 1/3 of Americans rent their home, and although the word rental for some people that still conjures up visions of high rises packed with apartments, but a growing number of today's rentals are these freestanding, single family homes and duplexes like we're talking about today, nestled in suburban communities with top notch schools, and that's why a growing number of mom and pop investors have hopped on the build to rent bandwagon. They take less maintenance. It attracts quality tenants who stay longer, and the rentals have changed, but so had the renters. 20 years ago, it felt like tenants had to rent, like they had no choice. Today, you've got more and more tenants that choose to rent. Many of them make 100k to 125k or more. Today, rentals are cheaper than owning for those people, and they're less of a headache. A lot of them don't want to fix things, and you as the owner, don't want to either. That's why new build is attractive. Then, you know, I just sent that great map to our newsletter subscribers about which states saw the most population gain from 2020 to today, the South had more population growth than every other US region combined, which is jaw dropping and within the South, the state with the most population growth since 2020 is Florida, with An 8.9% population gain in that span, narrowly beating out Texas and South Carolina. By the way, even if it weren't for the attractive builder interest rate near 4% these Sunshine State deals could still make sense. New build single family rentals from the 270s new build duplexes, 395 to 420k low insurance rates, positive cash flow, a builder warranty. And it's really even better than that. These properties are centered on Ocala, Florida, which received national recognition as the fastest growing city for this second year in a row. That's according to a U haul report, and Florida is the epitome of investor friendly. Florida is the first state to enact a law allowing law enforcement to immediately remove squatters. It distinguishes them from legal tenants. You might come to the webinar event, perhaps thinking about 80k or 500k that you want to allocate toward property or maybe nothing and you just want to learn at the event you will evaluate realistic opportunities learn how property management is handled, and understand how today's inventory fits into your disciplined, long term strategy that all takes place on. On Thursday the 19th at 8pm Eastern. It's our biggest event of the year, and it is called Why Central Florida is the year's most compelling housing market. One last time for Thursday, it is gre webinars.com, until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  45:20   You 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  45:52   The preceding program was brought to you by your home for wealth building get richeducation.com  

On December 18, 1867, John D. Rockefeller was running late for the 6:40 a.m. Lake Shore Express from Cleveland to Buffalo His bags made it onto the train, but he did not. in fact, he had arrived just minutes too late and was forced to wait for the next train. At the time, it was nothing more than an…

In this episode of Gangland Wire, host Gary Jenkins talks with author Linda Stasi about her historical novel, The Descendant, inspired by her own Italian-American family history. Stasi traces her ancestors' journey from Sicily to the Colorado mining camps, revealing the brutal realities faced by immigrant laborers in the American West. The conversation explores the violent labor struggles surrounding the Ludlow Massacre and the role of powerful figures like John D. Rockefeller, as well as the diverse immigrant communities that shaped Colorado's mining towns. Stasi challenges stereotypes about Italians in America, highlighting their roles as workers, ranchers, and community builders—not just mobsters. Jenkins and Stasi also discuss Prohibition-era bootlegging and the early roots of organized crime in places like Pueblo, weaving together documented history with deeply personal family stories of survival, violence, and resilience. Drawing on her background as a journalist, Stasi reflects on loss, perseverance, and the immigrant pursuit of the American dream, making The Descendants both a historical narrative and an emotional family legacy. Click here to find the Descendant. 0:04 Introduction to Linda Stasi 3:12 The Role of Women in History 7:05 Bootlegging and the Mafia’s Rise 9:31 Discovering Family Connections 14:59 Immigrant Struggles and Success 19:02 Childhood Stories of Resilience 24:04 Serendipity in New York 26:19 Linda’s Journey as a Journalist Hit me up on Venmo for a cup of coffee or a shot and a beer @ganglandwire Click here to “buy me a cup of coffee” Subscribe to the website for weekly notifications about updates and other Mob information. To go to the store or make a donation or rent Ballot Theft: Burglary, Murder, Coverup, click here To rent ‘Brothers against Brothers’ or ‘Gangland Wire,’ the documentaries click here.  To purchase one of my books, click here.  [0:00] Well, hey, all you wiretappers out there, glad to be back here in studio, Gangland Wire. This is Gary Jenkins, retired Kansas City Police Intelligence Unit detective, and I have an interview for you. This is going to be a historical fiction author. This is going to be a historical fiction book by a writer whose family lived the life of, whose family, This is going to be a real issue. This book is going to, we’re going to talk about a book. We’re going to talk with an author about the book. We’re going to talk with the author, Linda Stasi. We’re going to talk with the author, Linda Stasi, about her book, The Descendants. Now, she wrote a historical fiction, but it’s based on her actual family’s history. [0:50] From Sicily to New York to California. The wild west of colorado now get that you never heard of many italians out west in colorado but she’s going to tell us a lot more about that and how they were actually ended up being part of the pueblo colorado mafia the corvino family and then got involved in bootlegging and and then later were involved in ranching and different things like that so it’s uh it’s a little different take on the mob in the United States that we usually get, but I like to do things that are a little bit different. So welcome, Linda Stasey. Historical fiction, how much of it is true? Is it from family stories? All the stories are true. I’ll ask you that here in a little bit. Okay, all the stories are true. All right. All the stories are true. [1:41] It’s based on not only stories that were told to me by my mother and her sisters and my uncles and so forth, But it’s also based on a lot of actual events that took place while they were living in Colorado. And it’s based on the fact that, you know, people don’t know this. We watch all these movies and we think everybody who settled the West talk like John Wayne. There were 30 different languages spoken right in the minds of Colorado. So my uncles rode the range and they were, drovers and they were Italian. I mean, they were first generation. They were born in Italy and they made their way with all these other guys who were speaking Greek and Mexican and you name it. It wasn’t a lot of people talking like, hey, how are you doing, partner? How are you doing, bard? Talking like I do. Right. [2:46] But it took a long time for you you can blame the movies for that and the dominant uh uh caucasian culture for that right and you know there was that what was the movie the the martin scorsese movie killers of the flower moon oh yeah all the uh native americans spoke like they were from like movie set in color and oklahoma so he was like what. [3:13] Yeah, well, it’s the movies, I guess. [3:25] Unlike any women that I would have thought would have been around at that time. They were rebellious, and they did what they wanted, and they had a terrible, mean father. And I also wanted to tell this story. That’s what I started out telling. But I ended up telling the story of the resilience of the immigrants who came to this country. For example, with the Italians and the Sicilians, there had been earthquakes and tsunamis and droughts. So Rockefeller sent these men that he called padrones to the poorest sections of Sicily, the most drought-affected section, looking for young bucks to come and work. And he promised them, he’d say, oh, the president of America wants to give you land, he wants to give you this. Well, they found themselves taken in the most horrific of conditions and brought to Ellis Island, where they were herded onto cattle cars and taken to the mines of Colorado, where they worked 20-hour days. They were paid in company script, so they couldn’t even buy anything. Their families followed them. They were told that their families were coming for free, and they were coming for free, but they weren’t. They had to pay for their passage, which could never be paid for because it was just company script. [4:55] And then in 1914, the United Mine Workers came in, and there were all these immigrants, Greeks and mostly Italians, and they struck, and Rockefeller fired everyone who struck. So the United Mine Workers set up a tent city in Ludlow. [5:14] And at night, Rockefeller would send his goons in who were—he actually paid the National Guard and a detective agency called Baldwin Feltz to come in. And they had a turret-mounted machine gun that they called the Death Squad Special, and they’d just start spraying. So the miners, the striking miners, built trenches under their tents for their women and children to hide. when the bullets started flying. And then at some point, Rockefeller said, you’re not being effective enough. They haven’t gone back to work. Do what you have to do. So these goons went in and they poured oil on top of the tents. And they set them on fire. [6:00] And they burnt dozens of women and children to death. They went in. The government claimed it was 21 people, but there was a female reporter who counted 60-something. and they were cutting the heads and the hands off of people, the children and women, so they couldn’t be identified. It all ended very badly and none of Rockefeller’s people or Rockefeller got in trouble. They went before Congress and Rockefeller basically said they had no right to strike. And that was that. So here are all these men and women now living wild in the mountains of Colorado, not speaking the language, not. Being literate, not able to read and write. [6:44] And living in shacks on mountains in the hurricane, I mean, in the blizzards and whatnot. And then it’s so odd. In 1916, Colorado declared prohibition, which was four years before the rest of the country. [7:00] So these guys said, well, we need to make booze. We need to make wine. What do you mean you can’t have booze and wine? So that’s how bootlegging started in Colorado. And that’s how the mafia began in the West. with these guys. [7:18] It’s kind of interesting. As I was looking down through your book, I did a story on the more modern mafia. This started during bootlegging times in Pueblo, and I noticed in your book, I refer to Pueblo, this was the Corvino brothers. So did you study that? Is that some of the background that you used to make, you know, use a story? You used real stories as well as, you know, the real stories from your family, real stories from history. Well, the Carlinos are my family. Oh, you’re related to the Carlinos. Well, what happened was I didn’t know that. And my cousin Karen came across this photo of the man who was her son. [7:59] Grandfather that she never met because he was killed in the longest gunfight in Colorado history when she was 10 days old. And he was Charlie Carlino. So she came across it and we met, we ended up meeting the family. Sam Carlino is my cousin and he owns like this big barbecue joint in san jose california and uh we’ve become very friendly so i i said i look i’m looking at this and i think wait a minute vito carlino is the father he has three sons and one daughter the youngest son charlie who was the the handsome man about town cowboy, they had a rival family called the dannas in bootlegging and charlie carlino and his bodyguard were riding across the baxter street bridge driving in one direction and the dannas were coming in the other direction and the dannas got out and and killed them and it’s exactly what I’m thinking to myself, Vito Corleone, three sons, Charlie gets killed on the bridge while the two cars are… I thought, wait a minute. Wait a minute. Wait a minute. I mean. [9:26] It can’t be that coincidental, right? No. No, it can’t be. Even the bridge. Somebody was doing their research. [9:46] And had baby Charlotte, who was only 10 days old at the time. So all these stories are true, and it started other gunfights and so forth and so on. But I thought, holy shit. That’s my family. I had no idea. I mean, I knew my aunt was married to a guy whose name was Charlie Carlino, And I should show you the picture because he looks like the missing link from the village people. He’s got big fur chaps on and a cowboy hat. I mean, he’s got his holsters on and he’s got his long gun over his shoulder. It’s like, wow. Yeah, so that story is true. And my mom was a little girl when the Pueblo flood happened. And she always recalled the story to me about watching in horror as the cows and the horses and people were floating away, dead. [10:54] So now the name of your book is A Descendant, which is you, of course. And you kind of use the situations that you just described and the real life people in this book. So then how does this book progress and what other situation do you use? Well, I used many of the acts. I used the Ludlow massacre, the flood, the bootlegging, the prohibition. I also uncovered that the governor of Colorado said. [11:30] Assigned all these guys to become prohibition agents, but they were all KKK. Yeah. So they actually had license to kill the immigrants, just saying they had a still. They had a still. And they were wholesale killing people. So there’s that story. There’s the story of the congressional hearing of Rockefeller after that. And um the the book ends up with my mother um beating my father um who was not in colorado she met him at my aunt’s wedding and avoided him and avoided him and they finally got together and it ends up the book ends up at the start of world war ii and my father was drafted into the air Force, or the Army Air Corps, as it was called that time, and his was assigned to a bomber. He was a co-pilot or a bombardier or something, I forgot. And my grandfather on my father’s side said, well, wait a minute, where are you going to do this? And he said, well, we’re going to Italy. And he said, you’re going to bomb this? Your own country? And my father said, no, no, Bob, this is my country. [12:47] So the book comes full circle. Yeah, really. You know, I, uh, uh, sometimes I start my, I’ll do a program here for different groups or for the library once in a while. And I always like to start it with, you know, first of all, folks, remember, uh. [13:03] Italians came here after, you know, really horrible conditions in southern Italy and Sicily and they came here and they’re just looking for a little slice of American pie the American that’s all they want is a some of the American dream and you know they were taking advantage of they had they were they were darker they had a different language so they didn’t fit it they couldn’t like the Irish and the Germans were already here they had all the good jobs they had the businesses and so now the Italians they’re they’re kind of uh sucking high and tit as we used to say on the farm they’re they’re uh you know picking up the scraps as they can and form businesses. And so it sounds like, you know, and they also went into the, I know they went in the lead mines down here in South Missouri, because there’s a whole immigrant population, Sicilians in a small town called Frontenac. And it also sounds like they went out to the mines in Denver, Colorado. So it’s based on that diaspora, if you will, of people from Southern Italy. And they’re strapping, trying to get their piece of the American pie. Right. And I think that I also wanted very much to change the same old, same old narrative that we’ve all come to believe, that, you know, Italians came here, they went to New York, they killed everybody, they were ignorant slobs. And my family had a ranch! They were ranchers! They had herds of cattle! It’s like, that’s just been dismissed as though none of this existed because. [14:30] Yes, they were darker, because they had curly hair. [14:34] There’s a passage in my book that’s taken actually from the New York Times, where they say that Southern Italians are. [14:43] Greasy, kinky-haired criminals whose children should never be allowed in public schools with white children. Yeah. They used to print stuff like that. I’ve done some research in old newspapers, and not only about Italians, but a lot of other minorities, they print some [14:57] horrible, horrible, horrible things. Well, every minority goes through this, I guess. Everyone. I think so. Part of it’s a language problem. You hear people say, well, why don’t they learn our language? Well, what I say is, you know, ever try to learn a foreign language? It’s hard. It is really, really hard. I’ve tried. It is really hard. I got fired by my Spanish teacher. Exactly. You know how hard it is. I said, no, wait, I’m paying you. You can’t fire me. She said, you can’t learn. You just can’t learn. My grandkids love to say she got fired by her Spanish teacher. [15:36] But it’s such a barrier any kind of success you know not having the language is such a barrier to any kind of success into the you know american business community and that kind of a thing so it’s uh it’s tough for people and you got these people young guys who are bold and, they want they want to they end up having to feel like they have to take theirs they have to take it because ain’t nobody giving it up back in those days and so that sounds like your family they had to take however they took it they they had to take what they got how did that go down for them, start out with a small piece of land or and build up from there how did that go out well from what i understand um. [16:21] They first had a small plot, and then that they didn’t own. They just took it. And then as the bootlegging business got bigger, they started buying cattle and sheep. And they just started buying more and more land. But my grandfather was wanted because he killed some federal agent in the Ludlow Massacre. So he was wanted. So it was all in my grandmother’s name anyway. So she became, in my mind and in my book, she becomes the real head of the family. And my grandfather had a drinking problem, and she made the business successful and so forth. And then I do remember a story that my mother told me that—. [17:16] Al Capone came to the ranch at some point, and all the kids were like, who’s this man in the big car? There was other big cars. And then they moved to New York shortly after that, although they were allowed to keep the ranch with some of my aunts running it. I think there was a range war between the Dana family and the Carlinos and the Barberas, and they were told, get out of town, and they got out of town. And then they made a life in Brooklyn. And then my mom went back to Colorado and then came back to Brooklyn. [17:54] You think about how these immigrants, how in the hell, even the ones who come here now, how in the hell do you survive? I don’t know. Don’t speak the language. You don’t have the money. How do you survive? I don’t know. I truly don’t know. I couldn’t do it. I couldn’t either. I couldn’t either. I don’t even want to go to another country where I don’t speak the language unless I can hire somebody to do stuff for me, you know, try to scuffle around and get a job, work off the books. You know, you got to work off the books, so to speak, and take the lowest, hardest jobs that they are, that there are. I don’t know. It’s crazy. I don’t really understand. Yeah. But, uh, so this, uh, it’s really interesting this, uh, the whole thing with the ranches and, and building up the ranches out there. I know we spoke, talk about Al Capone. Well, his brother, I think it was, it was not Ralph. There was another Capone brother. Which one? Well, another Capone brother who became, came a revenuer and I’ve seen some pictures of him and he looks like a cowboy with a hat and everything. He was in Nebraska or something. [19:02] It’s so funny. And I just, when I was growing up and I would tell people that my mom rode her donkey and then her horse to school, and they’d always say to me, but aren’t you Italian? [19:19] That’s Italian. Italian. Yeah, it’s interesting. Now, of course, your mom was, I noticed something in there about being in Los Animas in that area. Yes. Was there some family connection to that? And I say that because my wife’s grandfather lived there his whole life in Los Animas. Well, Los Animas County takes in Pueblo, I believe. Oh, okay. That’s the northern, that’s the far northern edge of Pueblo. The whole big area. I didn’t realize it was that close to Pueblo. I think my mom’s birth certificate actually says Los Animas County. Uh-huh. Something like that, yeah. Okay, all right. I didn’t realize Los Andemos was that close. I think. I might be wrong. Oh, it could be. It had those big counties out west, a great big county, so it would probably do. [20:10] So let’s see. Tell us a couple other stories out of that book that you remember. Well, there’s a story of my mother and her sister, Clara. Clara was a year what do they call Irish twins you know Italian twins she was like 14 months younger than my mom and um, When my mom had to start school, she was very close to my Aunt Clara, and they refused to go to school without each other. So my grandmother lied and said they were twins. And the teacher said, I don’t think they’re twins. This one’s much littler than the other, and I’m going to send the sheriff to that guinea father of yours and make sure. Well, unfortunately, the town hall burnt down with all the records that night. So they were never able to prove that Aunt Clara was a year younger. [21:14] Interesting. And also there’s a story of how they were in school when the flood hit. And my mother did have a pet wolf who was probably part wolf, part dog, but it was her pet named Blue. They got caught in the flood because they were bad and they had detention after school. And um had they left earlier they would have um so the dog came and dragged them was screaming and barking and making them leave and the teacher got scared because of the wolf and so they left and the wolf was taking them to higher and higher ground and had they stayed in that schoolhouse they would have been killed the teacher was killed everybody was washed away Wow. Yeah, those animals, they got more of a sense of what’s going on in nature than people do, that’s for sure. But she had always told me about her dog wolf named Blue. When they went back to New York City, did they fall in with any mob people back there? They go back to Red Hook. They had connections that were told, they were told, you know, you can, like Meyer Lansky and a couple of other people who would help them, um. [22:33] But my mom—so here’s an absolutely true story, and I think I have it as an epilogue in the book. So a few years ago, several years ago, my daughter had gotten a job in the summer during college as a slave on a movie set that was being filmed in Brooklyn. And she got the job because she, A, had a car, and B, she could speak Italian. And the actress was Italian. So every night she’d work till like 12 o’clock and I’d be panicked that she’d been kidnapped or something. So she’d drive her car home. But then every night she was coming home later and later and I said, what’s going on? She said, you know, I found this little restaurant and right now we’re in Red Hook where the, and it wasn’t called Red Hook. It was called, they have another fancy name for it now. [23:32] And she said and I just got to know the owner and he’s really nice and I told him that when I graduated from college if I had enough money could I rent one of the apartments upstairs and he said yes and she said we’ve got to take grandma there we’ve got to take grandma there she’ll love the place she’ll love the place and so my mother got sick and just came home from college, and she was laying in the bed with my mother, and she said, Grandma, you’re going to get better, and then we’re going to take you to this restaurant, [24:03] and I promise you, you’re going to love it. So my mother, thank God, did get better, and we took her to the restaurant. [24:12] The man comes over, and it’s a little tiny Italian restaurant, and the man comes over, and he says, Jessica, my favorite, let me make you my favorite Pennelli’s. And my mother said, do you make Pennelli’s? And he said, yes. She said, oh, when we first came to New York, the man who owned the restaurant made us Pennelli’s every day and would give it to us before we went to school. And he said, really, what was his name? And she said, Don, whatever. And he said, well, that’s my grandfather. She said, well, what do you mean? He said, well, this is, she said, where are we? And he said. [24:53] They called it Carroll Gardens. And he said, well, it’s Carroll Gardens. She said, well, I grew up in Red Hook. He said, well, it is Red Hook. She said, well, what’s the address here? And he said, 151 Carroll Street. And she said, my mother died in this building. [25:09] My daughter would have rented the apartment where her great-grandmother died. What’s the chances of that of the 50 million apartments in New York City? No, I don’t know. And the restaurant only seats like 30 people. So… My mother went and took a picture off the wall, and she said, this is my mother’s apartment. And there were like 30 people in the restaurants, a real rough and tumble place, and truck drivers and everything. And everybody started crying. The whole place is now crying. All these big long men are crying. Isn’t that some story? Full circle, man. That’s something. Yeah, that is. Especially in the city. It’s even more amazing in a city like New York City. I know. That huge. That frigging huge. That exact apartment. Oh, that is great. So that restaurant plays a big part in the book as well, in the family. Okay. All right. All right. Guys, the book is The Descendant, Yellowstone Meets the Godfather, huh? This is Linda Stasi. Did I pronounce that right, Stasi? Stacey, actually. This is Linda Stasi. And Linda, I didn’t really ask you about yourself. [26:17] Tell the guys a little bit about yourself before we stop here. Well, I am a journalist. I’ve been a columnist for New York Newsday, the New York Daily News, and the New York Post. I’ve written 10 books, three of which are novels. [26:34] And I’ve won several awards for journalism. And I teach a class for the Newswomen’s Club of New York to journalists on how to write novels, because it’s the totally opposite thing. It’s like teaching a dancer to sing, you know? It’s totally opposite. One of my mentors was Nelson DeMille, my dear late friend Nelson DeMille, and I called him up one night after I wrote my first novel, and I said, I think I made a terrible mistake. He said, what? I said, I think I gave the wrong name of the city or something. He said, oh, for God’s sakes, it’s fiction. You can write whatever you want. [27:17] But when you’re a journalist, if you make a mistake like that, you’re ruined. Yeah, exactly. So I have. We never let the facts get in the way of a good story. Go ahead. I’m sorry. I said I have a daughter and three grandsons. My daughter is the only female CEO of a games company. She was on the cover of Forbes. And my husband just died recently, and he was quite the character. He got a full-page obit in the New York Times. He’s such a typical, wonderful New York character. So I’m in this strange place right now where I’m mourning one thing and celebrating my book. On the other hand, it’s a very odd place to be. I can imagine. I can only imagine. Life goes on, as we say, back home. It just keeps going. All right. Linda Stacey, I really appreciate you coming on the show. Oh, thank you. I appreciate you talking to me. You’re so much an interesting guy. All right. Well, thank you.

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In this episode, hosts Frank La Vigne and Candace Gillhoolley sit down with James Davies, founder of Embedded Electronics Recruitment Solutions, a specialist in quantum technology recruitment. Together, they explore how quantum is making its way out of the lab and into the real world, and discuss the challenges and opportunities facing companies as they race to hire quantum specialists and consultants.From quantum's role in defense and communications, to the innovations happening in sensing and computing, James Davies shares his insights on current hiring trends and how the talent landscape is shifting as quantum startups accelerate. The conversation also takes a deep dive into the sociological changes happening within the industry, the growing influence of government and national security concerns, and the bigger picture: how quantum could help solve some of society's most complex challenges—from resilient supply chains to fusion energy and beyond.Whether you're a tech enthusiast, a recruiter, or just curious about the future, this episode will give you a front-row seat to the quantum revolution—and show why you don't need a PhD, just a sense of curiosity, to be part of it.SponsorsFree Audio book from Audible - https://qrcodes.at/freeaudiobookOpus Video Clips - https://www.opus.pro/?via=f419e6Quantum Sales Playbook (affiliate) - https://www.amazon.com/dp/B0FR5YGFDR?tag=datadrivenm0e-20Books MentionedAll links below are Amazon affiliate links and help us keep the show awesome.Antifragile - https://amzn.to/3ZlELg0Titan: The Life of John D. Rockefeller, Sr. - https://amzn.to/4qpTe6FLinksEmbedded & Electronics Recruitment Solutions -https://eerec.com/Embedded & Electronics Recruitment Solutions (LinkedIn) -https://www.linkedin.com/company/embedded-electronics-recruitment-solutions/James' LinkedIn Profile - https://www.linkedin.com/in/quantum-recruitment-specialist/Time Stamps00:00 Quantum Consulting: The Next Frontier06:19 Consultants Bridging Quantum Tech Gap08:10 Quantum Defense and Communication Trends14:07 Collaborative Competition in Quantum Technology15:22 "Semiconductor Secrecy and Hiring Pacts"19:54 Startup Success: Exit vs Growth24:30 "Quantum Technology Revolution Insights"26:54 "Quantum Computing, Paranoia, and Privacy"30:01 "Uncertainty, Influence, and Money Talks"31:42 Quantum Tech Integration Insights35:59 "Fragility of Key Industries"39:24...

John D. Rockefeller jr. schenkte den Vereinten Nationen in New York ein Grundstück. 1951 wurde darauf das UN-Hauptquartier eröffnet. Ein symbolträchtiges Gebäude, das für Frieden steht, heute aber auch den schlechten Zustand der UN widerspiegelt. Peetz, Katharina www.deutschlandfunk.de, Kalenderblatt

Dr. DebWhat if I told you that the stomach acid medication you’re taking for heartburn is actually causing the problem it’s supposed to solve that your doctor learned virtually nothing about nutrition, despite spending 8 years in medical school. That the very system claiming to heal you was deliberately designed over a hundred years ago by an oil tycoon, John D. Rockefeller, to create lifelong customers, not healthy people. Last week a patient spent thousands of dollars on tests and treatments for acid reflux, only to discover she needed more stomach acid, not less. The medication keeping her sick was designed to do exactly that. Today we’re exposing the greatest medical deception in modern history, how a petroleum empire systematically destroyed natural healing wisdom turned medicine into a profit machine. And why the treatments, keeping millions sick were engineered that way from the beginning. This isn’t about conspiracy theories. This is a documented history that explains why you feel so lost about your own body’s needs welcome back to let’s talk wellness. Now the show where we uncover the root causes of chronic illness, explore cutting edge regenerative medicine, and empower you with the tools to heal. I’m Dr. Deb. And today we’re diving into how the Rockefeller Medical Empire systematically destroyed natural healing wisdom and replaced it with profit driven systems that keeps you dependent on treatments instead of achieving true health. If you or someone you love has been running to the doctor for every minor ailment, taking acid blockers that seem to make digestive problems worse, or feeling confused about basic body functions that our ancestors understood instinctively. This episode is for you. So, as usual, grab a cup of coffee, tea, or whatever helps you unwind. Settle in and let’s get started on your journey to reclaiming your health sovereignty all right. So here we are talking about the Rockefeller Medical Revolution. Now, what if your symptoms aren’t true diagnosis, but rather the predictable result of a medical system designed over a hundred years ago to create lifelong customers instead of healthy people. Now I learned this when I was in naturopathic school over 20 years ago. And it hasn’t been talked about a lot until recently. Recently. People are exposing the truth about what actually happened in our medical system. And today I want to take you back to the early 19 hundreds to understand how we lost the basic health wisdom that sustained humanity for thousands of years. Yes, I said that thousands of years. This isn’t conspiracy theory. This is documented history. That explains why you feel so lost when it comes to your own body’s needs. You know by the turn of the 20th century. According to meridian health Clinic’s documentation. Rockefeller controlled 90% of all petroleum refineries in America and through ownership of the Standard Oil Corporation. But Rockefeller saw an opportunity that went far beyond oil. He recognized that petrochemicals could be the foundation for a completely new medical system. And here’s what most people don’t know. Natural and herbal medicines were very popular in America during the early 19 hundreds. According to Staywell, Copper’s historical analysis, almost one half of medical colleges and doctors in America were practicing holistic medicine, using extensive knowledge from Europe and native American traditions. People understood that food was medicine, that the body had natural healing mechanisms, and that supporting these mechanisms was the key to health. But there was a problem with the Rockefeller’s business plan. Natural medicines couldn’t be patented. They couldn’t make a lot of money off of them, because they couldn’t hold a patent. Petrochemicals, however, could be patented, could be owned, and could be sold for high profits. So Rockefeller and Andrew Carnegie devised a systematic plan to eliminate natural medicine and replace it with petrochemical based pharmaceuticals and according to E. Richard Brown’s comprehensive academic documentation in Rockefeller, medicine men. Medicine, and capitalism in America. They employed the services of Abraham Flexner, who proceeded to visit and assess every single medical school in us and in Canada. Within a very short time of this development, medical schools all around the us began to collapse or consolidate. The numbers are staggering. By 1910 30 schools had merged, and 21 had closed their doors of the 166 medical colleges operating in 19 0, 4, a hundred 33 had survived by 1910 and a hundred 4 by 1915, 15 years later, only 76 schools of medicine existed in the Us. And they all followed the same curriculum. This wasn’t just about changing medical education. According to Staywell’s copper historical analysis. Rockefeller and Carnegie influenced insurance companies to stop covering holistic treatments. Medical professionals were trained in the new pharmaceutical model and natural solutions became outdated or forgotten. Not only that alternative healthcare practitioners who wanted to stay practicing in alternative medicine were imprisoned for doing so as documented by the potency number 710. The goal was clear, create a system where scientists would study how plants cure disease, identify which chemicals in the plants were effective and then recreate a similar but not identical chemical in the laboratory that would be patented. E. Richard Brown’s documents. The story of how a powerful professional elite gained virtual homogeny in the western theater of healing by effectively taking control of the ethos and practice of Western medicine. The result, according to the healthcare spending data, the United States now spends 17.6% of its Gdp on health care 4.9 trillion dollars in 2023, or 14,570 per person nearly twice as much as the average Oecd country. But it doesn’t focus on cure. But on symptoms, and thus creating recurring clients. This systematic destruction of natural medicine explains why today’s healthcare providers often seem baffled by simple questions about nutrition why they immediately reach for a prescription medication for minor ailments, and why so many people feel disconnected from their own body’s wisdom. We’ve been trained over 4 generations to believe that our bodies are broken, and that symptoms are diseases rather than messages, and that external interventions are always superior to supporting natural healing processes. But here’s what they couldn’t eliminate your body’s innate wisdom. Your digestive system still functions the same way it did a hundred years ago. Your immune system still follows the same patterns. The principles of nutrition, movement and stress management haven’t changed. We’ve just forgotten how to listen and respond. We’re gonna take a small break here and hear from our sponsor. When we come back. We’re gonna talk about the acid reflux deception, and why your cure is making you sicker, so don’t go away all right, welcome back. So I want to give you a perfect example of how Rockefeller medicine has turned natural body wisdom upside down, the treatment of acid, reflux, and heartburn. Every single day in my practice I see patients who’ve been taking acid blocker medications, proton pump inhibitors like prilosec nexium or prevacid for years, not for weeks, years, and sometimes even decades. They come to me because their digestive problems are getting worse, not better. They have bloating and gas and nutrition deficiencies. And we’re seeing many more increased food sensitivities. And here’s what’s happening in the Us. Most people often attribute their digestive problems to too much stomach acid. And they use medications to suppress the stomach acid, but, in fact symptoms of chronic acid, reflux, heartburn, or gerd, can also be caused by too little stomach acid, a condition called hyper. Sorry hypochlorhydria normal stomach acid has a Ph level of one to 2, which is highly acidic. Hydrochloric acid plays an important role in your digestion and your immunity. It helps to break down proteins and absorb essential nutrients, and it helps control viruses and bacteria that might otherwise infect your stomach. But here’s the crucial part that most people don’t understand, and, according to Cleveland clinic, your stomach secretes lower amounts of hydrochloric acid. As you age. Hypochlorhydria is more common in people over the age of 40, and even more common over the age of 65. Webmd states that the stomach acid can produce less acid as a result of aging and being 65 or older is a risk factor for developing hypochlorhydria. We’ve been treating this in my practice for a long time. It’s 1 of the main foundations that we learn as naturopathic practitioners and as naturopathic doctors, and there are times where people need these medications, but they were designed to be used short term not long term in a 2,013 review published in Medical News today, they found that hypochlorhydria is the main change in the stomach acid of older adults. and when you have hypochlorydria, poor digestion from the lack of stomach, acid can create gas bubbles that rise into your esophagus or throat, carrying stomach acid with them. You experience heartburn and assume that you have too much acid. So you take acid blockers which makes the underlying problem worse. Now, here’s something that will shock you. PPI’s protein pump inhibitors were originally studied and approved by the FDA for short-term use only according to research published in us pharmacists, most cases of peptic ulcers resolve in 6 to 8 weeks with PPI therapy, which is what these medications were created for. Originally the American family physician reports that for erosive esophagitis. Omeprazole is indicated for short term 4 to 8 weeks. That’s it. Treatment and healing and done if needed. An additional 4 to 8 weeks of therapy may be considered and the University of Minnesota College of Pharmacy, States. Guidelines recommended a treatment duration of 8 weeks with standard once a day dosing for a PPI for Gerd. The Canadian family physician, published guidelines where a team of healthcare professionals recommended prescribing Ppis in adults who suffer from heartburn and who have completed a minimum treatment of 4 weeks in which symptoms were relieved. Yet people are taking these medications for years, even decades far beyond their intended duration of use and a study published in Pmc. Found that the threshold for defining long-term PPI use varied from 2 weeks to 7 years of PPI use. But the most common definition was greater than one year or 6 months, according to the research in clinical context, use of Ppis for more than 8 weeks could be reasonably defined as long-term use. Now let’s talk about what these acid blocker medications are actually doing to your body when used. Long term. The research on long term PPI use is absolutely alarming. According to the comprehensive review published in pubmed central Pmc. Long-term use of ppis have been associated with serious adverse effects, including kidney disease, cardiovascular disease fractures because you’re not absorbing your nutrients, and you’re being depleted. Infections, including C. Diff pneumonia, micronutrient deficiencies and hypomagnesium a low level of magnesium anemia, vitamin, b, deficiency, hypocalcemia, low calcium, low potassium. and even cancers, including gastric cancer, pancreatic cancer, colorectal cancer. And hepatic cancer and we are seeing all of these cancers on a rise, and we are now linking them back to some of these medications. Mayo clinic proceedings published research showing that recent studies regarding long-term use of PPI medication have noted potential adverse effects, including risks of fracture, pneumonia, C diff, which is a diarrhea. It’s a bacteria, low magnesium, low b 12 chronic kidney disease and even dementia. And a 2024 study published in nature communications, analyzing over 2 million participants from 5 cohorts found that PPI use correlated with increased risk of 15 leading global diseases, such as ischemic heart disease. Diabetes, respiratory infections, chronic kidney disease. And these associations showed dose response relationships and consistency across different PPI types. Now think about this. You take a medication for heartburn that was designed for 4 to 8 weeks of use, and when used long term, it actually increases your risk of life, threatening infections, kidney disease, and dementia. This is the predictable result of suppressing a natural body function that exists for important reasons. Hci plays a key role in many physiological processes. It triggers, intestinal hormones, prepares folate and B 12 for absorption, and it’s essential for absorption of minerals, including calcium, magnesium, potassium, zinc, and iron. And when you block acid production, you create a cascade of nutritional deficiencies and immune system problems that often manifest as seemingly unrelated health issues. So what’s the natural approach? Instead of suppressing stomach acid, we need to support healthy acid production and address the root cause of reflux healthcare. Providers may prescribe hcl supplements like betaine, hydrochloric acid. Bhcl is what it’s called. Sometimes it’s called betaine it’s often combined with enzymes like pepsin or amylase or lipase, and it’s used to treat hydrochloric acid deficiency, hypochlorhydria. These supplements can help your digestion and sometimes help your stomach acid gradually return back to normal levels where you may not need to use them all the time. Simple strategies include consuming protein at the beginning of the meal to stimulate Hcl production, consume fluids separately at least 30 min away from meals, if you can, and address the underlying cause like chronic stress and H. Pylori infections. This is such a sore subject for me. So many people walk around with an H. Pylori infection. It’s a bacterial infection in the stomach that can cause stomach ulcers, causes a lot of stomach pain and burning. and nobody is treating the infection. It’s a bacterial infection. We don’t treat this anymore with antibiotics or antimicrobials. We treat it with Ppis. But, Ppis don’t fix the problem. You have to get rid of the bacteria once the bacteria is gone, the gut lining can heal. Now it is a common bacteria. It can reoccur quite frequently. It’s highly contagious, so you can pick it up from other people, and it may need multiple courses of treatment over a person’s lifetime. But you’re actually treating the problem. You’re getting rid of the bacteria that’s creating the issue instead of suppressing the acid. That’s not fixing the bacteria which then leads to a whole host of other problems that we just talked about. There are natural approaches to increase stomach acid, including addressing zinc deficiency. And since the stomach uses zinc to produce Hcl. Taking probiotics to help support healthy gut bacteria and using digestive bitters before meals can be really helpful. This is exactly what I mean about reclaiming the body’s wisdom. Instead of suppressing natural functions, we support them instead of creating drug dependency, we restore normal physiology. Instead of treating symptoms indefinitely, we address the root cause and help the body heal itself. In many cultures. Bitters is a common thing to use before or after a meal. But yet in the American culture we don’t do that anymore. We’ve not passed on that tradition. So very few people understand how to use bitters, or what bitters are, or why they’re important. And these basic things that can be used in your food and cooking and taking could replace thousands of dollars of medication that you don’t really need. That can create many more problems along the way. Now, why does your doctor know nothing about nutrition. Well, I want to address something that might shock you all. The reason your doctor seems baffled when you ask about nutrition isn’t because they’re not intelligent. It’s because they literally never learned this in medical school statistics on nutritional education in medical schools are staggering and help explain why we have such a health literacy crisis in America. According to recent research published in multiple academic journals, only 27% of Us. Medical schools actually offer students. The recommended 25 h of nutritional training across 4 years of medical school. That means 73% of the medical schools don’t even meet the minimum standards set in 1985. But wait, it gets worse. A 2021 survey of medical schools in the Us. And the Uk. Found that most students receive an average of only 11 h of nutritional training throughout their entire medical program. and another recent study showed that in 2023 a survey of more than a thousand Us. Medical students. About 58% of these respondents said they received no formal nutritional education while in medical school. For 4 years those who did averaged only 3 h. I’m going to say this again because it’s it’s huge 3 h of nutritional education per year. So let me put this in perspective during 4 years of medical school most students spend fewer than 20 h on nutrition that’s completely disproportionate to its health benefits for patients to compare. They’ll spend hundreds of hours learning about pharmaceutical interventions, but virtually no time learning how food affects health and disease. Now, could this be? Why, when we talk about nutrition to lower cholesterol levels or control your diabetes, they blow you off, and they don’t answer you. It’s because they don’t understand. But yet what they’ll say is, people won’t change their diet. That’s why you have to take medication. That’s not true. I will tell you. I work with people every single day who are willing to change their diet. They’re just confused by all the information that’s out there today about nutrition. And what diet is the right diet to follow? Do I do, Paleo? Do I do? Aip? Do I do carnivore? Do I do, Keto? Do I do? Low carb? There’s so many diets out there today? It’s confusing people. So I digress. But let’s go back. So here’s the kicker. The limited time medical students do spend on nutrition office often focuses on nutrients think proteins and carbohydrates rather than training in topics such as motivational interviewing or meal planning, and as one Stanford researcher noted, we physicians often sound like chemists rather than counselors who can speak with patients about diet. Isn’t that true? We can speak super high level up here, but we can’t talk basics about nutrition. And this explains why only 14% of the physicians believe they were adequately trained in nutritional counseling. Once they entered practice and without foundational concepts of nutrition in undergrad work. Graduate medical education unsurprisingly falls short of meeting patients, needs for nutritional guidance in clinical practice, and meanwhile diet, sensitive chronic diseases continue to escalate. Although they are largely preventable and treatable by nutritional therapies and dietary. Lifestyle changes. Now think about this. Diet. Related diseases are the number one cause of death in the Us. The number one cause. Yet many doctors receive little to no nutritional education in medical school, and according to current health statistics from 2017 to march of 2020. Obesity prevalence was 19.7% among us children and adolescents affecting approximately 14.7 million young people. About 352,000 Americans, under the age of 20, have been diagnosed with diabetes. Let me say this again, because these numbers are astounding to me. 352,000 Americans, under the age of 20, have been diagnosed with diabetes with 5,300 youth diagnosed with type, 2 diabetes annually. Yet the very professionals we turn to for health. Guidance were never taught how food affects these conditions and what drug has come to the rescue Glp. One S. Ozempic wegovy. They’re great for weight loss. They’re great for treating diabetes. But why are they here? Well, these numbers are. Why, they’re here. This is staggering to put 352,000 Americans under the age of 20 on a glp, one that they’re going to be on for the rest of their lives at a minimum of $1,200 per month. All we have to do is do the math, you guys, and we can see exactly what’s happening to our country, and who is getting rich, and who is getting the short end of the stick. You’ve become a moneymaker to the pharmaceutical industry because nobody has taught you how to eat properly, how to live, how to have a healthy lifestyle, and how to prevent disease, or how to actually reverse type 2 diabetes, because it’s reversible in many cases, especially young people. And we do none of that. All we do is prescribe medications. Metformin. Glp, one for the rest of your life from 20 years old to 75, or 80, you’re going to be taking medications that are making the pharmaceutical companies more wealth and creating a disease on top of a disease on top of a disease. These deficiencies in nutritional education happen at all levels of medical training, and there’s been little improvement, despite decades of calls for reform. In 1985, the National Academy of Sciences report that they recommended at least 25 h of nutritional education in medical school. But a 2015 study showed only 29% of medical schools met this goal, and a 2023 study suggests the problem has become even worse. Only 7.8% of medical students reported 20 or more hours of nutritional education across all 4 years of medical school. This systemic lack of nutrition, nutritional education has been attributed to several factors a dearth of qualified instructors for nutritional courses, since most physicians do not understand nutrition well enough to teach it competition for curriculum time, with schools focusing on pharmaceutical interventions rather than lifestyle medicine and a lack of external incentives that support schools, teaching nutrition. And ironically, many medical schools are part of universities that have nutrition departments with Phd. Trained professors who could fill this gap by teaching nutrition in medical schools but those classes are often taught by physicians who may not have adequate nutritional training themselves. This explains so much about what I see in my practice. Patients come to me confused and frustrated because their primary care doctors can’t answer basic questions about how food affects their health conditions. And these doctors aren’t incompetent. They simply were never taught this information. And the result is that these physicians graduate, knowing how to prescribe medications for diabetes, but not how dietary changes can prevent or reverse it. They can treat high blood pressure with pharmaceuticals, but they may not know that specific nutritional approaches can be equally or more effective. This isn’t the doctor’s fault. It’s the predictable result of medical education systems that was deliberately designed to focus on patentable treatments rather than natural healing approaches. And remember this traces back to the Rockefeller influence on medical education. You can’t patent an apple or a vegetable. But you can patent a drug now. Why can’t we trust most medical studies? Well this just gets even better. I need to address something that’s crucial for you to understand as you navigate health information. Why so much of the medical research you hear about in the news is biased, and why peer Review isn’t the gold standard of truth you’ve been told it is. The corruption in medical research by pharmaceutical companies is not a conspiracy theory. It’s well documented scientific fact, according to research, published in frontiers, in research, metrics and analytics. When pharmaceutical and other companies sponsor research, there is a bias. A systematic tendency towards results serving their interests. But the bias is not seen in the formal factors routinely associated with low quality science. A Cochrane Review analyzed 75 studies of the association between industry, funding, and trial results, and these authors concluded that trials funded by a drug or device company were more likely to have positive conclusions and statistically significant results, and that this association could not be explained by differences in risk of bias between industry and non-industry funded trials. So think about that. According to the Cochrane collaboration, industry funding itself should be considered a standard risk of bias, a factor in clinical trials. Studies published in science and engineering ethics show that industry supported research is much more likely to yield positive outcomes than research with any other sponsorship. And here’s how the bias gets introduced through choice of compartor agents, multiple publications of positive trials and non-publication of negative trials reinterpreting data submitted to regulatory agencies, discordance between results and conclusions, conflict of interest leading to more positive conclusions, ghostwriting and the use of seating trials. Research, published in the American Journal of Medicine. Found that a result favorable to drug study was reported by all industry, supported studies compared with two-thirds of studies, not industry, supported all industry, supported studies showed favorable results. That’s not science that’s marketing, masquerading as research. And according to research, published in sciencedirect the peer review system which we’re told ensures quality. Science has a major limitation. It has proved to be unable to deal with conflicts of interest, especially in big science contexts where prestigious scientists may have similar biases and conflicts of interest are widely shared among peer reviewers. Even government funded research can have conflicts of interest. Research published in pubmed States that there are significant benefits to authors and investigators in participating in government funded research and to journals in publishing it, which creates potentially biased information that are rarely acknowledged. And, according to research, published in frontiers in research, metrics, and analytics, the pharmaceutical industry has essentially co-opted medical knowledge systems for their particular interests. Using its very substantial resources. Pharmaceutical companies take their own research and smoothly integrate it into medical science. Taking advantage of the legitimacy of medical institutions. And this corruption means that much of what passes for medical science is actually influenced by commercial interests rather than pursuant of truth. Research published in Pmc. Shows that industry funding affects the results of clinical trials in predictable directions, serving the interests of the funders rather than the patients. So where can we get this reliable, unbiased Health information, because this is critically important, because your health decisions should be based on the best available evidence, not marketing disguised as science. And so here are some sources that I recommend for trustworthy health and nutritional information. They’re independent academic sources. According to Harvard Chan School of public health their nutritional, sourced, implicitly states their content is free from industry, influence, or support. The Linus Pauling Institute, Micronutrient Information Center at Oregon State University, which, according to the Glendale Community college Research Guide provides scientifically accurate information about vitamins, minerals, and other dietary factors. This Institute has been around for decades. I’ve used it a lot. I’ve gotten a lot of great information from them. Very, very trustworthy. According to the Glendale Community College of Nutrition Resource guide Tufts, University of Human Nutritional Research Center on aging is one of 6 human nutrition research centers supported by the United States Department of Agriculture, the Usda. Their peer reviewed journals with strong editorial independence though you must still check funding resources. And how do you evaluate this information? Online? Well, according to medlineplus and various health literacy guides when evaluating health information medical schools and large professional or nonprofit organizations are generally reliable sources, but remember, it is tainted by the Rockefeller method. So, for example, the American College of cardiology. Excuse me. Professional organization and the American Heart Institute a nonprofit are both reliable sources. Sorry about that of information on heart health and watch out for ads designed to look like neutral health information. If the site is funded by ads they should be clearly marked as advertisements. Excuse me, I guess I’m talking just a little too much now. So when the fear of medicine becomes deadly. Now, I want to address something critically important that often gets lost in conversations about health, sovereignty, and questioning the medical establishment. And while I’ve spent most of this episode explaining how the Rockefeller medical system has created dependency and suppressed natural healing wisdom. There’s a dangerous pendulum swing happening that I see in my practice. People becoming so fearful of pharmaceutical interventions that they refuse lifesaving treatments when they’re genuinely needed. This is where balance and clinical judgment become absolutely essential. Yes, we need to reclaim our basic health literacy and reduce our dependency on unnecessary medical interventions. But there are serious bacterial infections that require immediate antibiotic treatment, and the consequences of avoiding treatment can be devastating or even fatal. So let me share some examples from research that illustrate when antibiotic fear becomes dangerous. Let’s talk about Lyme disease, and when natural approaches might not be enough. The International Lyme Disease Association ilads has conducted extensive research on chronic lyme disease, and their findings are sobering. Ileds defines chronic lyme disease as a multi-system illness that results from an active and ongoing infection of pathogenic members of the Borrelia Brdorferi complex. And, according to ilads research published in their treatment guidelines, the consequences of untreated persistent lyme infection far outweigh the potential consequences of long-term antibiotic therapy in well-designed trials of antibiotic retreatment in patients with severe fatigue, 64% in the treatment arm obtained clinically significant and sustained benefit from additional antibiotic therapy. Ilas emphasizes that cases of chronic borrelia require individualized treatment plans, and when necessary antibiotic therapy should be extended their research demonstrates that 20 days of prophylactic antibiotic treatment may be highly effective for preventing the onset of lyme disease. After known tick bites and patients with early Lyme disease may be best served by receiving 4 to 6 weeks of antibiotic therapy. Research published in Pmc. Shows that patients with untreated infections may go on to develop chronic, debilitating, multisystem illnesses that is difficult to manage, and numerous studies have documented persistent Borrelia, burgdorferi infection in patients with persistent symptoms of neurological lyme disease following short course. Antibiotic treatment and animal models have demonstrated that short course. Antibiotic therapy may fail to eradicate lyme spirochetes short course is a 1 day. One pill treatment of doxycycline. Or less than 20 days of antibiotics, is considered a short course. It’s not long enough to kill the bacteria. The bacteria’s life cycle is about 21 days, so if you don’t treat the infection long enough, the likelihood of that infection returning is significant. They’ve also done studies in the petri dish, where they show doxycycline being put into a petri dish with active lyme and doxycycline does not kill the infection, it just slows the replication of it. Therefore, using only doxycycline, which is common practice in lyme disease may not completely eradicate that infection for you. So let’s talk about another life threatening emergency. C. Diff clostridia difficile infection, which represents another example where antibiotic treatment is absolutely essential, despite the fact that C diff itself is often triggered by antibiotic use. According to Cleveland clinic C. Diff is estimated to cause almost half a million infections in the United States each year, with 500,000 infections, causing 15,000 deaths each year. Studies reported by Pmc. Found thirty-day Cdi. Mortality rates ranging from 6 to 11% and hospitalized Cdi patients have significantly increased the risk of mortality and complications. Research published in Pmc shows that 16.5% of Cdi patients experience sepsis and that this increases with reoccurrences 27.3% of patients with their 1st reoccurrence experience sepsis. While 33.1% with 2 reoccurrences and 43.2% with 3 or more reoccurrences. Mortality associated with sepsis is very high within hospital 30 days and 12 month mortality rates of 24%, 30% and 58% respectively. According to the Cdc treatment for C diff infection usually involves taking a specific antibiotic, such as vancomycin for at least 10 days, and while this seems counterintuitive, treating an antibiotic associated infection with more antibiotics. It’s often lifesaving. Now let’s talk about preventing devastating complications. Strep throat infections. Provide perhaps the clearest example of when antibiotic treatment prevents serious long-term consequences, and, according to Mayo clinic, if untreated strep throat can cause complications such as kidney inflammation and rheumatic fever. Rheumatic fever can lead to painful and inflamed joints, and a specific type of rash of heart valve damage. We also know that strep can cause pans pandas, which is a systemic infection, often causing problems with severe Ocd. And anxiety and affecting mostly young people. The research is unambiguous. According to the Cleveland clinic. Rheumatic fever is a rare complication of untreated strep, throat, or scarlet fever that most commonly affects children and teens, and in severe cases it can lead to serious health problems that can affect your child’s heart. Joints and organs. And research also shows that the rate of development of rheumatic fever in individuals with untreated strep infections is estimated to be 3%. The incidence of reoccurrence with a subsequent untreated infection is substantially greater. About 50% the rate of development is far lower in individuals who have received antibiotic treatment. And according to the World health organization, rheumatic heart disease results from the inflammation and scarring of the heart valves caused by rheumatic fever, and if rheumatic fever is not treated promptly, rheumatic heart disease may occur, and rheumatic heart disease weakens the valves between the chambers of the heart, and severe rheumatic heart disease can require heart surgery and result in death. The who states that rheumatic heart disease remains the leading cause of maternal cardiac complications during pregnancy. And additionally, according to the National Kidney foundation. After your child has either had throat or skin strep infection, they can develop post strep glomerial nephritis. The Strep bacteria travels to the kidneys and makes the filtering units of the kidneys inflamed, causing the kidneys to be able to unable or less able to fill and filter urine. This can develop one to 2 weeks after an untreated throat infection, or 3 to 4 weeks after an untreated skin infection. We need to find balance. And here’s what I want you to understand. Questioning the medical establishment and developing health literacy doesn’t mean rejecting all medical interventions. It means developing the wisdom to know when they’re necessary and lifesaving versus when they’re unnecessary and potentially harmful. When I see patients with confirmed lyme disease, serious strep infections or life. Threatening conditions like C diff. I don’t hesitate to recommend appropriate therapy but I also work to support their overall health address, root causes, protect and restore their gut microbiome and help them recover their natural resilience. The goal isn’t to avoid all medical interventions. It’s to use them wisely when truly needed, while simultaneously supporting your body’s inherent healing capacity and addressing the lifestyle factors that created the vulnerability. In the 1st place. All of this can be extremely overwhelming, and it can be frightening to understand or learn. But remember, the power that you have is knowledge. The more you learn about what’s actually happening in your health, in understanding nutrition. in learning what your body wants to be fed, and how it feels, and working with practitioners who are holistic in nature, natural, integrative, functional, whatever we want to call that these days. The more you can learn from them, the more control you have over your own health and what I would urge you to do is to teach your children what you’re learning. Teach them how to live a healthy lifestyle, teach them how to keep a clean environment. This is how we take back our own health. So thank you for joining me today on, let’s talk wellness. Now, if this episode resonated with you. Please share it with someone who could benefit from understanding how the Rockefeller medical system has shaped our approach to health, and how to reclaim your body’s wisdom while using medical care appropriately when truly needed. Remember, wellness isn’t just about feeling good. It’s about understanding your body, trusting its wisdom, supporting its natural healing capacity, and knowing when to seek appropriate medical intervention. If you’re ready to explore how functional medicine can help you develop this deeper health knowledge while addressing root causes rather than just managing symptoms. You can get more information from serenityhealthcarecenter.com, or reach out directly to us through our social media channels until next time. I’m Dr. Dab, reminding you that your body is your wisest teacher. Learn to listen, trust the process, use medical care wisely when needed, and take care of your body, mind, and spirit. Be well, and we’ll see you on the next episode.The post Episode 250 -The Great Medical Deception first appeared on Let's Talk Wellness Now.

Keith shares a mindset-shifting quote from John D. Rockefeller that challenges the idea of trading time for money.  He revisits some of the year's most powerful real estate investing lessons, and breaks down the big forces shaping today's housing market—affordability, supply & demand, demographics, and interest rates.  All of this sets the stage for his data-driven national home price outlook for next year—without the usual crash-and-doom hype. Episode Page: GetRichEducation.com/586 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:00   Welcome to GRE. I'm your host. Keith Weinhold, learn from a quote attributed to the world's first billionaire, it will change how you see wealth building. I'll explain why national home prices have never crashed. Then it's gre, 2026, home price appreciation forecast. You'll learn the future the exact percent that home prices will appreciate or depreciate next year. Today on get rich education   Speaker 1  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   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  1:30   Welcome to GRE from Lake Huron, Michigan to Lake Tahoe, California and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. You know something I love, quotes that shift your entire mindset, paradigm, and once your mind is shifted, actions follow. Actions develop into patterns. Those patterns become habits, and habits become the new, transformed you few quotes hit harder than the one from resource tycoon John D Rockefeller. He lived from 1839 to 1937 in fact, Rockefeller is widely regarded as the world's first billionaire. His quote, you might have heard it before. It is this, he who works all day has no time to make money. That sounds paradoxical, even provocative. It's sort of like it's inviting you to come in and want to learn more about it. And this is because most people's concept of income generating is to work 40 hours a week for a salary or an hourly wage. But what does that quote really mean? He who works all day has no time to make money, and be sure to capture the all day part of that quote that ties right back into the show that I did with you two weeks ago about the K shaped economy breakdown, where you learned about how capital compounds labor doesn't most people sell their time for dollars, but trading time for money makes you too busy to actually build Wealth. Working and building wealth. Those things are two separate distinct activities in how you're investing your time and energy. Now, most people start out with a wage or a salary job. I surely worked by pushing brooms and cubicle dwelling before investing in my first rental property. But if you're working all day in a job, physically or mentally well, then you're consumed by tasks that only pay you. Once you're occupied, you can often get exhausted and you're only concerned with short term output. You're focused on the next deadline, not the next decade, when all your hours are spent on labor, you have no bandwidth to do what you need to do, which is, create vision, acquire assets, build a portfolio, develop systems, learn tax strategy, evaluate investment deals, network with like minded investors, or refine your strategy with a GRE investment coach. Be cognizant that labor only pays today. Wealth building pays forever. Even if your work a day job, salary doubled, you would have to ask, how would that even build wealth? You could retire earlier, but you would have to keep working the hours, and let's remember that wealth equals freedom. You can't architect a wealth plan from the assembly line. Now, that's something that Rockefeller would have agreed with. Wealth requires less. Leverage and labor has none. So working all day means no leverage. You are the engine instead making money, that means using leverage, and instead of you being the engine, well, the engine is something else, like assets, systems, technology, other people's time, other people's money, and borrowing to inflation profit. Rockefeller believed and proved that leverage beats labor 100 to one. He's not discouraging work. In fact, it's just the wrong type of work, because he was one of the hardest working people alive. And really the bottom line here, with this quote, he who works all day has no time to make money, is that Rockefeller meant that if you spend your life doing tasks, you'll never rise high enough to own things that pay you for life. Earning a living is a different activity than building wealth, and once your mindset is shifted, actions follow, yep, actions develop into patterns, and those patterns become the new you. well as the last episode of the year on the show here, 52 weeks worth, I sure hope that I've helped you think, learn and grow your wealth, as have our guest contributors here early in the year, the father of Reaganomics was here, a man that frequently advised a president inside the White House. He told us how much he dislikes tariffs. Tariffs block free trade, and trade improves our lives. Major apartment investor, Ken McElroy, was here this year, and he predicted that the American home ownership rate will fall below 60% that would be major it's currently at 65 if the home ownership rate falls to 60% that would unleash millions of new renters into the market, and it has not been that low in decades, if ever you got a lot of mortgage insights with chailey Ridge, including learning how you can qualify for income property loans without a w2 job, without a pay stub or without tax returns by instead getting a DSCR loan. You'll recall this year that I discussed 50 year mortgages, and I did that before it even hit the news cycle, telling you that it could be coming and that it could be proposed. I explained why I like 50 year mortgages more than 30 year loans, but be aware it is not imminent that they're coming. Also this year, economist Richard Duncan and commentator Doug Casey discussed the Fed. Richard told us how the President is trying to totally restructure who serves on the Fed, trying to get low interest rate pushers in there. And then just last week, Doug and I discussed how fed decisions just keep hollowing out the middle class. A and E television star Todd drillette told us how to negotiate. I had four good discussions with our own investment coach, nuresh this year, more than usual, a pastor and I discussed a rare topic, what the Bible says about money. You learned how to use AI in your real estate investing and when not to. We had a few episodes about that. But above all the shows this year, they were about you, probably more than any other year that we've had here. I did more listener question episodes where I answered your questions as you wrote in, and I also had more listeners come right onto the show and tell me how this show has personally built their wealth. And of course, this year, I got to meet more of you in person when I served as a faculty member on the terrific real estate guys Investor Summit to see and I got to meet you personally for more than just a handshake. The event was set up so that chances are you had dinner with me as well. So rather than this show being a one way chat from me to you this year was more of a dialog between you and I and more two way communication. A lot of new topics are coming for next year, both me teaching and some great guests. If there's something on the show that you'd like to hear more of or less of, let us know. Write into us or use your voice to tell us either way you can do that. At get rich education.com/contact, let us know what you want to hear more of or less of. Do you like shorter term tactics like when and how to increase the rent? Or do you like mid range tactics like how to constantly do cash out refinances and get a tax free windfall from your properties every year. Or do you like more of the long term strategies like specifically how you profit from inflation? Let us know what you like again, at get rich education.com/contact, now, even if you're listening 10 years. Years from now, which I know you very well. May, I'm going to break down next year's home price appreciation forecast, but I'll do it in a way where you'll learn how to analyze a market for all time coming up. It's gre 2026, national home price appreciation forecast. Learn the future to the exact percent. First listen to this from Freedom family investments and Ridge lending group, because I'm a client of both myself and they can help you. I'm your host. Keith Weinhold   Keith Weinhold  10:29   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,   Speaker 2  11:40   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 Caeli Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Robert Kiyosaki  12:14   this is our Rich Dad, Poor Dad. Author Robert Kiyosaki. Listen to get rich education with Keith Weinhold. And there is, I respect Kate. He's a very strong, smart, bright young man.   Keith Weinhold  12:35   Welcome back to get rich education. It's episode 586 the last show of the year. I'm your host. Keith Weinhold, I am proud to present to you in this segment of the show gre 2026, national home price appreciation forecast, where I use my insight and experience so that you'll learn the exact percent that national home prices will either appreciate or depreciate next year. It's the fifth consecutive year that we're doing this. I nailed the first three spot on and then this year happened. I'll get to reviewing my track record, total accountability. First understand something, real estate values have never crashed in your entire lifetime, even if you're 90 years old, to grab eyeballs, slack jawed, tick tock. Call them crash talk. Economists keep making awful predictions about a housing price crash, and none of them have been worse than one that published last month in Newsweek, which outlines a as it's called, correction worse than 2008 and says national home prices will fall 50% five zero, starting as soon as next year. That's absurd, and I can't believe that a respectable publication would platform a view from an analyst like that, and I'm not going to call out that Doomsayer analyst's name. That's not my style. I'm sure you can find it that crash is about as likely as one social media post changing your political affiliation later today. Look, doomsayers don't care about you. They make dire predictions because they care about them. It elevates their clicks, their followers and their name recognition, and they never hang around to follow up on that prediction, but it harms you, because you miss out on the equity gains, and that's the real damage. In fact, this particular analyst also called for this year to have the second largest home price decline since World War Two. Well, national home prices have only fallen twice in that time period. In fact, going further back. Back to the 1930s Great Depression. They've only fallen twice. Yes, that means home prices have risen every single year since the 1930s except for two periods, a small decline of less than 1% around 1990 and then, of course, the severe downturn from the housing bubble and great recession from 2007 to 2011 or 2012 that's where prices dropped in total, 25 to 26% from peak to trough. Now why do I say that that period around 2008 was not a housing price crash. Well, because it wasn't. Instead, it was a slow bleed. The definition of financial crash is a sudden, sharp and widespread drop in prices. That's the definition. Well that can happen in some other asset classes like stocks or Bitcoin or perhaps even precious metals, but not real estate. It is neither sudden nor sharp. The worst year, 2008 saw home prices drop 12% in that one year and some of the other years bracketing it, home prices fell three to 4% in each of those years. So then during this time period of price attrition, during the global financial crisis, each month, real estate values fell just a few tenths of 1% maybe half of 1% or even one full percent, not a crash, a slow bleed. This means that it took about five years for values to fall, a total of near 25% I mean, that makes it really clear that it's not a crash. And again, this period was about 2007 to 2012 don't get me wrong, it was bad. I was a real estate investor both before and during 2008 but to call it a crash is hyperbolic, and that is because words mean things. I think a lot of media consumers get so conditioned to mass media sensationalism that they've forgotten what a crash even means. At some point, it begins to bend our very lexicon back around 2007 I remember I frequently checked a website called implode meter. Yeah, that's the name of it. It tracks, failing banks. I looked the other day and implodemeter.com is still in existence, even though it's not nearly as spicy as it used to be during the GFC, because lending has been pretty stable for a long time, and loans are well and carefully underwritten. So home prices are unusually stable over time, because, in a sense, housing is not a normal market. It is slow, regulated, credit driven, and it's emotionally sticky, even though rental property is less emotional. Well, the values of one to four unit property are tied to primary residence values, and that's where the emotion exists. So if you put all those together, you get prices that creep upward most years and rarely fall at all. Nationally. The real estate market moves too gradually to be crash susceptible. It is the place for real wealth building values also are not going to double annually if you want to scroll for dopamine hits from the couch. Well, you can do that with a prediction market like call she or in crypto with altcoins, while your real estate keeps leveraging dollars in a stable way in the background. That's how you can think about it. All right, so we've established since the Great Depression, home values have fallen twice and once substantially. Well, right now, home prices are up about 2% year over year. Most places have appreciated, especially the more affordable markets. Not only has home price growth been slow, though, rent growth has been slow as well. Single Family rents are up 1% per totality. Apartment rents are down one to 2% per Zumper. But back to our focus today, forecasting national home prices. Everything we're discussing is nominal price change, meaning not inflation adjusted, and it's single family homes up to fourplexes. Well, as we use context to build up to the big reveal today, where I'll tell you the exact percent that home prices will rise or fall next year. Could 2008 happen again any time soon? Let's isolate that out. It's important to look at history rather than. Having some uninformed hunch in both periods with price attrition around 1990 and 2008 these two falls have some attributes in common. So let's look at that. What led to these rare falls in home prices, irresponsible lending, forced selling, a vacancy issue and overbuilding. All four of those factors were in place during those two periods now leading up to 1990 the irresponsible lending was on the commercial side. That was the savings and loan crisis, but it did trickle into the residential market, and then in 2008 it was on the residential side. But of all four of those factors, none of them are in place today. Zero borrowers are strongly underwritten because they've got those full documentation loans, and virtually no one is forced to sell in a fire sale. In fact, homeowners still have these record equity positions of about 300k fewer than 3% of homeowners have a negative equity position, and there is no vacancy issue. Because, in fact, we've been under building. We'll look at that. So for next year, no substantial price of drawdown is coming. None's expected. We can isolate that out. Since I was investing directly in real estate through 2008 I know what happened is that when people walked away from properties, they did so because the economy got rough, their variable rate mortgages rose, they couldn't make their payments, or they just had no motivation to make their payments because they were underwater and had zero protective equity. In a lot of cases, it's almost impossible for that to happen today, homeowners can make their payments, and they're motivated to do so because they have that erstwhile equity to protect, like I said last week, through the Census Bureau data and realtor.com we know a couple things. Four in 10 homeowners have no mortgage at all. They own their property free and clear. Among the group with mortgages, 70% of borrowers still have a mortgage rate locked in at under 5% and blending those together for you means that then 82% of borrowers either have no mortgage or they've got a rate under 5% this translates to really affordable payments, along with The protective equity, even if inflation heats up again, it still cannot touch a borrower's mortgage payment amount because it is fixed. As we're leading up to the big reveal of next year's number, we're about to look at affordability, supply, demand and the effect of mortgage rates on prices. Of course, that word affordability, that has been the most central word to home buying for a couple years now, affordability will improve in three main ways. If either home prices fall, mortgage rates fall, or wages rise, it takes at least one of those three things, the good news is that this year, wages have been rising faster than both stated inflation and home prices. Wages have been rising close to 4% that looks to continue at least into the early part of next year. Well that improved affordability allows home prices to move up, and it gives room for rents to move up as well. Now when it comes to mortgage rates, if you're new to listening to me, it will be groundbreaking for you to realize that today, mortgage rates are low, and increases to mortgage rates usually lead to increases in home prices, not decreases. If you're new here, both of those facts might leave you saying what I thought it was the opposite. How can that be? I won't spend much time on this because longtime listeners already know these two things, but they do go into the forecast the long term 30 year fixed rate mortgage averages 7.7% per Freddie Mac thirst, that set goes back to 1971 and rates are lower than that now, and mortgage rates have risen 1% or more seven different times since 1994 and home prices increased all Seven times right alongside those rising mortgage rates. In fact, when rates more than doubled in 2022 what happened? Home prices soared to their highest appreciation year in a long time. It reinforced this so, yes, way higher rates equaled way. Higher prices. It's not that one directly causes the other. This is correlation versus causation. It's because rate increases confirm that the economy is doing well. I have discussed that extensively in previous episodes, so mortgage rates actually don't have that much to do with home prices, and that's why it is hardly going into the forecast for next year. I'll tell you what trying to forecast mortgage rates to then use that to predict home prices, that is a fantastic way to waste your time. Now, 1x factor that could make that different for next year is that this President, he imposes his will to make rates low no matter what. So even if the economy is good, which typically leads to higher rates, wholesale push to make rates low, and that's an artificial phenomenon. Wouldn't that make home prices boom if we had a strong economy and low rates? The fact that affordability is still historically low today, though, we appear to be off the bottom. Affordability is still historically low today, that has less to do with mortgage rates than most people think, since, again, rates are low when they're in the low sixes, like they currently are. Instead, affordability is soured, because over the long term, decades, wages haven't kept up with true inflation. That's what's really going on with affordability and what everybody misses, and because affordability is still strained, home prices cannot rise a lot, say 10 or 12% next year. That can't happen on a national basis next year, now, a bill is advancing through Congress now to make housing more affordable. It's got bipartisan support relaxing zoning requirements in such a bill that could help build more homes, but if the government tries to help by making access to loans easier, that is going to lead to even higher prices and really will not help with affordability beyond the short term. In fact, just this month, the Fed has resumed QE quantitative easing. And that effectively means that it is ramping up the number of dollars being printed. And these are just more dollars in existence coming in to chase real estate and every other assets values higher we look at the employment picture. Although unemployment has been ticking up lately, it is still low at under 5% what about housing supply versus demand? And future supply versus demand? Well, this is basic econ and it will totally affect future prices. Actually visited the home of the father of economics, Adam Smith in Scotland this year, the man that nearly invented the supply demand concept starting with supply. I think anyone in real estate knows that generally, over six months of housing supply is too much. Under six months is too little. Six months is sort of that balanced point. What does that really mean? Well, months of supply is how long it would take to sell all the homes currently for sale if no new listings came on the market. All right, that's all that means. Well, currently, that level is 4.2 months that is low, and that puts some upward pressure on prices as well. Another way to think about it is with the active listing count of single family homes and condos. All this means is the number of homes currently for sale and available to buy right now. That's what active listing count means when you see that statistic out there? Well, one and a half to 2 million is the normal level of units needed to adequately house our growing population, for single family homes and condos. Well, that figure bottomed out in 2022 and it's only hovered around one or 1.1 million for a few months now, we are under supplied, and it takes a long time to build our way out of it. Now, apartment buildings are a different story. They are oversupplied, but again, today, we're here focused on the future price direction of one to four unit properties. So that's supply, not as tight as it was, but still on the tight side, and then demand. Where is demand coming from? It comes from us. There's more of us. As our population keeps growing, there is a lot of housing demand coming. Not only is there pent up demand from those trying to afford a home as soon as they can, but more broadly. Demographically, I will point back to that period where there was a surge of us births from 1990 to 2010 there were over 4 million births every single one of those years, births peaked in 2007 if you add 40 years to that, because 40 years is now the average age of the first time homebuyer. That's still a mind blowing figure to me, 40 years the average age of the first time homebuyer. You add that to 2007 that peak birth rate year, and this demand won't even peak until about 2047   Speaker 2  30:36   and this doesn't even include additions from immigration, demand, demand, demand, propping up prices for decades, but for next year, improved affordability, which is expected that boosts the demand for those that have the capacity to pay. Well, considering everything we've covered, I'm about to reveal the number for next year. But first, I mean, gosh, don't you wish everyone actually followed up on their past forecasts, like I'm about to I don't think I've ever seen a price crash predictor follow up, because they're always wrong. Well, what is the track record of get rich, education, home, price appreciation forecasts. It's the fifth straight year I'm doing this, and I always release the forecast in the final days of the year in anticipation of the coming year, just like you and I are doing together now. For 2022 I said that prices would rise nine to 10% the year ended, and they came in at 10% 2023 a lot of people said home prices would fall because they had just seen a terrific run up. I said a price fall would not happen, largely due to that jaw droppingly low supply that we had then. I said zero, there wouldn't be any change. They came in at exactly zero. There was no price change in 2023 for 2024 I forecast 4% they came in at exactly 4% this is all documented. You can go back and listen to those episodes. They're all near year end. So yes, three straight years, I nailed it to the exact percent. How about this year? Just before the year began? Do you remember what my forecast figure was from listening here about a year ago, it was 5% home price appreciation. The year is not over yet, and real estate statistics move pretty slowly. Figures lag, but we pretty much know where it's going to end up. And as we look at this same stat set that I consistently use, which is the NARS national median existing single family home price, it is 2.2% as of late in the year, and it's almost certainly going to end up at 2% appreciation. So I would call that a miss, probably not a terrible call, but far enough apart to call that a miss, 5% forecast versus 2% actual for this year. That's the track record. So before I reveal the number for next year, in the last four I've nailed three of them spot on, and why was appreciation less than I expected for this year? Well, a few reasons. One of them is that inflationary pressure from tariffs was postponed. That Tariff Schedule was changed more times than anyone could have possibly forecast, and affordability stayed stubbornly low too. And here we go for 2026 how much home price appreciation or depreciation do I expect? Well, I haven't said this in any of the previous forecasts, because it's the easiest thing to say, and I often avoid saying the easiest thing, but this is just what I see coming, and that is, I expect more of the same. It's the first time I've said more of the same, which is drumroll here, 2% home price appreciation for next year. No wild figure or hyperbolic material here, in order to attract attention that is my best target for the truth, I'm here to do my best to be accurate and help you make the most informed decision, 2% for next year. So a 500k property today should cost you about 10,000 more dollars next year, and as we know, with a figure like 2% which is less appreciation than the long run historic 5% or so, with this 2% appreciation on new purchases, you leverage that five to one with your 80% loan, and you get a 10% return on your down payment. And you add in the other four ways real estate pays to your 10% leverage appreciation and at historic norms, you can end up with a 29% total ROI. That's realistic. I outlined the math of that in an earlier episode this year when I discussed how real estate pays five ways in a slow market, there you have it, 2% forecast home price appreciation for next year. If you want the charts that support the forecast and more, there's a way for you to get a hold of that, and also the best real estate maps, stories and investment opportunities that you won't see in any headlines. They are all in my free weekly newsletter. The newsletter also gives you access to my free real estate pays five ways. Video, course, that is it. GRE letter.com Get it all at one easy place. Gre letter.com I look forward to talking to you in the new year. I'm Keith Weinhold, don't quit your daydrem   Speaker 3  36:06   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  36:34   The preceding program was brought to you by your home for wealth building, GetRichEducation.com  

Welcome to another short but empowering episode of Monday Motivation, giving you a dose of inspiration as you head into your week. Today, we explore the powerful and slightly uncomfortable reminder from John D. Rockefeller about releasing 'comfortable' in order to create something truly meaningful: “Don’t be afraid to give up the good to go for the great.” Three key takeaways you can expect: How to recognise the areas of your life where you may be settling for good instead of what truly lights you up How to reconnect with your own definition of great without pressure or comparison How small, courageous steps can gently move you toward your dream life Listen in and reconnect with the part of you that knows you are meant for a life that feels aligned, fulfilling and deeply yours. As always, I’d LOVE to hear what resonated most with you - so please share and let’s keep the conversation going in the Dream Life Podcast Facebook Group here. …and remember, it all starts with a dream

In today's episode, Ryan shares a rare behind-the-scenes moment when his kids start to realize what he actually does, and then his son takes the mic to ask the questions. You'll hear him interview Kenny Curtis, host of Nat Geo's hit kids podcast Greeking Out, in a genuinely fun, curious, and unexpectedly thoughtful conversation, and later Ron Chernow, the historian behind Hamilton.

In this final episode of Season 8, you'll get a powerful, inspiring discussion on defending the nonprofit sector amid political intimidation and retrenchment, with a call to action for funders to act with courage rather than caution. The message is clear: a strong democracy depends on a strong, well-resourced nonprofit workforce, and philanthropy must choose to lead boldly in this moment. Host Rusty Stahl, Fund the People's President and CEO, speaks with Dr. Sherece West-Scantlebury, President and CEO of the Winthrop Rockefeller Foundation, as part of the Defend Nonprofits, Defend Democracy series. Reflecting on more than 30 years in philanthropy and her forthcoming retirement at the end of 2025, West-Scantlebury offers a candid assessment of what has — and hasn't — worked in the sector. She traces the evolution of the foundation's equity-centered mission, its focus on working families who are struggling in Arkansas, and how COVID reinforced the urgency of addressing low wages, systemic inequities, and the root causes of poverty.Throughout the conversation, she challenges philanthropy to confront the real costs of sustaining a healthy civil society and to move beyond outdated, restrictive funding models.Dr. West-Scantlebury also details the Winthrop Rockefeller Foundation's commitments to capacity building, nonprofit workforce pay and benefits, leader wellness, and innovative approaches such as enterprise capital. She argues that investing in people — through living wages, flexible funding, wellness stipends, and long-term balance-sheet investments — is essential to nonprofit sustainability and impact.The episode closes with a powerful discussion on defending the nonprofit sector amid political intimidation and retrenchment, with West-Scantlebury urging funders to act with courage rather than caution. Her message is clear: a strong democracy depends on a strong, well-resourced nonprofit workforce, and philanthropy must choose to lead boldly in this moment.Download an edited transcript of this episode⁠This is part 2 of our 2-part Season 8 Finalé. Check out part 1, a conversation with Andrea Levere of Capitalize Good (S8:E12), from December 10, 2025.Guest Bio:From her early beginnings as a housing advocate in New York City to leading some of the most prestigious foundations in the Southeastern U.S., Sherece West-Scantlebury, Ph.D., has been relentless in her quest to increase prosperity for families striving to move out of poverty. She has served as President and CEO of the Winthrop Rockefeller Foundation for 18 years. Previously, she was the founding CEO of the Foundation for Louisiana, which was born in response to Hurricane Katrina. Prior to that, she was a program executive at the Annie E. Casey Foundation.Related Episodes:Enterprise Capital: A Framework for Sustainable Nonprofits - with Andrea Levere (S8:E12)Lowering Our 'Revenue Risk,' with Gretchen Upholt, BDO (S8:E11)'Silence Isolates, Solidarity Shields,' with Tonya Allen, McKnight Foundation (S8:E7)Links to Resources Discussed in the Episode:Winthrop Rockefeller FoundationFund the PeopleAnnie E. Casey FoundationFoundation for LouisianaCapitalize GoodUnited for ALICE (ALICE: Asset Limited, Income Constrained, Employed)ALICE in the Nonprofit WorkforceEnterprise Capital ExplainerCapacity Building in PhilanthropyMIT Living Wage CalculatorTitan: The Life of John D. Rockefeller, Sr. by Ron ChernowAudre Lorde (referenced on silence and complicity)

If you were in your twenties and could choose to be born at any point in human history, would you be insane to choose any other time to be alive than right now? Our guest says yes, and the statistics back him up. Regardless of perception, shaped in part by politicians and populists, the average person today is richer than John D. Rockefeller simply by virtue of being alive in 2025. And yet, the “anxious generation” of Gen Z and Gen Alpha seem unaware of their own financial wellbeing and appear confused as to why they aren't instantly as well off as their parents in providing for themselves. Many believe homeownership is impossible, that they will never pay off their loans, and that the cost of living is unmanageable. Is this belief based in any reality? Was life truly better for their parents? Or is this a generational cycle of perception? And who benefits from peddling this fear?Norbert Michel is the Vice President and Director of the Cato Institute's Center for Monetary and Financial Alternatives, where he specializes on issues pertaining to financial markets and monetary policy. Michel was most recently the Director for Data Analysis at the Heritage Foundation where he edited and contributed chapters to multiple books. Michel is also the author of the book “Crushing Capitalism: How the Stagnation Narrative is Threatening the American Dream”, and coauthor of “Financing Opportunity: How Financial Markets Have Fueled American Prosperity for More than Two Centuries”. Read the transcript here.Subscribe to our Substack here.

In this powerful sermon on the Deadly Sin of GREED, Pastor Mike Decker unpacks the destructive nature of an "insatiable desire to acquire and hoard more for self."This message challenges the modern pursuit of security through wealth by diving into the Bible's warning against materialism. You'll explore the heart of the matter and discover the spiritual consequences of building bigger barns.In This Sermon:The Rich Fool: An in-depth look at Jesus's parable in Luke 12:13-21 and why true wealth is not stored on earth.The Danger of "More": The story of John D. Rockefeller and the ultimate spiritual futility of earthly acquisition.The Generosity Example: How R.G. LeTourneau modeled a radical, life-changing philosophy of giving.The Generosity Prayer: A powerful, actionable challenge to shift your focus from hoarding to serving.This sermon is a vital word for anyone feeling the pull of consumerism and looking for real, lasting security in their faith.KEY TOPICS & SEARCH TERMS: #greed #deadlysins #sermon #PastorMikeDecker #church #Christianliving #money #generosity #Luke12 #theRichFool #bibleteaching

J.P. Morgan, John D. Rockefeller, and Charles E. Mitchell are names that come to mind when thinking of the most prominent icons of wealth and influence during the Roaring Twenties. Yet the one figure who has escaped notice is an enigmatic banker by the name of Clarence Dillon. In the 1920s, as he rose in wealth and influence, Dillon became one of the original behind-the-scenes players in Hollywood, and his contact list included everyone from Thomas Edison to Charlie Chaplin and Joseph P. Kennedy to FDR. A revolutionary in finance, Clarence Dillon single-handedly created modern bankruptcy law, pioneered leveraged buyouts, invented junk bonds, and engineered some of the biggest mergers and acquisitions ever seen. His firm engineered the 1925 buyout of Dodge Brothers Company for $146 million in cash, then the largest such industrial transaction in history, which resulted in the company's merger with Chrysler Corporation in 1927 Today’s guest is William Loomis, author of “The Baron of Wall Street.” We look at Dillon and his life, which fills a void in how we view the wild excesses of the Roaring Twenties, and how we understand the increasingly complex nexus between Wall Street and political power in our own time.See omnystudio.com/listener for privacy information.

Dr. David Fraze explores how generosity serves as a powerful witness to the world in his sermon "Overflow: The Witness of Generous Living." Using a children's demonstration with pennies and the song "Love is something if you give it away," he establishes that generosity isn't about personal gain but about mission. Dr. Fraze contrasts the kingdom values of service (John 13) with the misinterpreted prosperity gospel, emphasizing that God promises to meet our needs, not necessarily our wants. Through stories like the Good Samaritan, John D. Rockefeller's transformation, and personal anecdotes, Dr. Fraze illustrates how even small acts of generosity—returning a jacket, giving an unexpected tip, or simply offering a smile—can profoundly impact others. He challenges listeners to examine their motivations for giving, asking whether they seek to preserve their own legacy or point others to Christ. As 2 Corinthians 9:11-12 teaches, our generosity results in thanksgiving to God and serves as a testimony that extends beyond church walls. https://bwaychurch.org  

Everyone wrestles with the question: How much is enough? When asked, billionaire John D. Rockefeller famously said, “Just a little bit more.” Jesus taught that lasting joy isn't found in possessions. “Life is more than food and clothing,” He said. Instead of living with a scarcity mindset, He invites us to trust in God's abundance—a world with enough for everyone. Join us as we explore what it means to live with open hands, generous hearts, and the freedom that comes from trusting God to provide. Today we talk about how we can be a waymaker church.Support the show

This episode covers the insanely valuable company-building principles of John D. Rockefeller—and nothing else. I spent over 40 hours reading (and rereading) this obscure biography of Rockefeller that costs $1,000 I then spent several days editing down 25 pages of notes from the book. I deleted everything that was not How Rockefeller Works Episode sponsors: ⁠ Ramp⁠⁠⁠⁠⁠⁠⁠ gives you everything you need to control spend, watch your costs, and optimize your financial operations —all on a single platform. Make history's greatest entrepreneurs proud ⁠⁠⁠by going to Ramp and learning how they can help your business control your costs and save time and money.⁠⁠⁠ ⁠⁠⁠⁠https://ramp.com⁠⁠⁠⁠ Automate compliance, security, and trust with Vanta.⁠ ⁠⁠⁠Vanta helps you win trust, close deals, and stay secure—faster and with less effort⁠⁠⁠⁠. ⁠⁠⁠Find out how increased security leads to more customers by going to Vanta⁠⁠⁠. Tell them David from Founders sent you and you'll get $1000 off. ⁠⁠⁠https://www.vanta.com/founders⁠⁠ ⁠⁠⁠ Collateral⁠⁠ transforms your complex ideas into compelling narratives. Collateral crafts institutional grade marketing collateral for private equity, private credit, real estate, venture capital, family offices, hedge funds, oil & gas companies, and all kinds of corporations. Storytelling is one of the highest forms of leverage and you should invest heavily in it. You can do that by going to ⁠⁠https://collateral.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone wrestles with the question: How much is enough? When asked, billionaire John D. Rockefeller famously said, “Just a little bit more.” Jesus taught that lasting joy isn't found in possessions. “Life is more than food and clothing,” He said. Instead of living with a scarcity mindset, He invites us to trust in God's abundance—a world with enough for everyone. Join us as we explore what it means to live with open hands, generous hearts, and the freedom that comes from trusting God to provide. Today we wrestle with the question, can everyone have ENOUGH?Support the show

Can your workout make you a better leader?In this episode of the Discover Strength Podcast, CEO and exercise physiologist Luke Carlson explores the science and psychology behind the powerful connection between physical training and leadership performance.Drawing from published research and real-world leadership examples—from John D. Rockefeller to Jerry Seinfeld—Luke makes the case that consistent, high-effort exercise isn't just good for your health, it's a foundational habit for mental clarity, resilience, decision-making, and leading effectively under pressure.You'll learn: Why physical training enhances cognitive performance and stress managementHow great leaders across industries prioritize fitness as a non-negotiable habit The link between deliberate practice in training and high-performance leadershipWhether you're leading a team or company, this episode will challenge how you think about the role of exercise in your leadership effectiveness.Discover Strength offers free Introductory Workouts at any location across the United States. You can schedule your free Introductory Workout HERE !

Auto-generated transcript: We come to the last of the principles. He says reputation outlasts riches. John D Rockefeller, he gave away 500 million in charities. He built the University of Chicago and Rockefeller University. He treated his people well with respect. And he always says money disappears, reputation echoes through generations. And your legacy is… Continue reading Rockefeller’s advice – 9

Everyone wrestles with the question: How much is enough? When asked, billionaire John D. Rockefeller famously said, “Just a little bit more.” Jesus taught that lasting joy isn't found in possessions. “Life is more than food and clothing,” He said. Instead of living with a scarcity mindset, He invites us to trust in God's abundance—a world with enough for everyone. Join us as we explore what it means to live with open hands, generous hearts, and the freedom that comes from trusting God to provide. Today we talk about the reality that God has created the world with MORE than enough for you.Support the show

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund BurkeIt's a familiar thought: If I just had a little more money, life would be better. We've all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises.The question “Can money buy happiness?” isn't new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete.Why Money Can't Deliver What It PromisesWe don't know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows.Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving, pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can't buy happiness,” yet nearly every message in our culture insists that it can. The world doesn't just tempt us to spend more—it trains us to depend on more.Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us.John D. Rockefeller, worth billions in today's dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic's job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10).Three men, three eras, one truth: money can't satisfy the soul.Two Myths About WealthRon Blue identifies two common lies about money:More money brings more freedom and satisfaction. In reality, more money brings more complexity. As Ron Blue also notes in his book, “Since there are always unlimited ways to spend limited dollars, it doesn't matter whether you make $20,000 or $200,000—you will always have choices to make.” With greater wealth comes greater responsibility and potential stress.More money removes fear and worry. The opposite is often true. The more we have, the more we have to lose. Market downturns and unexpected crises reveal that our sense of security is fragile when it's built on wealth.In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises.So how do we break free from financial fear? It begins with a shift in perspective: realizing it's not your money. You're a steward, not an owner. Everything you have belongs to God.Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference.Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone.Finding Joy That LastsPsalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.”When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn't measured by net worth but by contentment.So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides.When your hope rests in Christ and not your paycheck, you'll experience what Edmund Burke described centuries ago: true freedom that never fades.On Today's Program, Rob Answers Listener Questions:I'm 30 and trying to be proactive about my financial future. Should I consider getting long-term care insurance this early, or wait until later in life? And would adding annuities make sense at my age?I'm a veteran with a VA loan at 6.75%, and I keep getting offers to refinance through a VA IRRRL. I've only been in my home for about a year, but as a single mom, lowering my payment would really help. Should I go ahead and refinance now, or wait?My employer offers both a traditional 401(k) and a Roth option. If I switch to contributing to the Roth, will my employer match still go there, and would it also be tax-free when I withdraw it?I recently replaced my old truck with a 2023 model, and the seller is offering an extended warranty for $4,000. It sounds comprehensive, but I've read many negative reviews about these plans. Are extended warranties on vehicles generally worth it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Generous Living: Finding Contentment Through Giving by Ron Blue with Jodie BerndtWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A version of this essay was published by the Deccan Herald at https://www.deccanherald.com/opinion/adani-s-under-fire-we-ve-seen-this-before-3783432The repeated, withering attacks on the Adani group are getting to be tiresome, partly because they usually have no merit per se; and partly because the Western habit of weaponizing the narrative is now so evident. It is basically propaganda, with the pliant media manufacturing consent to support foreign policy.In a recent column in the Financial Times, Janan Ganesh wrote: “Politics, not tech, makes the world go around”. He may have a point, but at the moment, it is the opposite: the breakneck generativeAI race, and China's near-monopoly in rare earths, are fueling both trade wars and capitulation: for example, Trump said before meeting Xi that “the G2 will be convening shortly”. TACO, anyone?I said during Biden's days in “A US-China condominium dividing up the world between themselves”, that for the Deep State, a G2 would be a convenient (short-term) thing to do. Trump apparently has accepted that a) Chinese leverage is insurmountable, b) a division into spheres of influence would work best. Sadly, it would be disastrous for the US (and the Quad) in the medium term to make China Asia's hegemon.But it is happening. As BNP Paribas puts it in a research note quoted by the Financial Times, “[Washington]... is now dealing with a peer rival capable of imposing material economic harm on it — a relatively new position for the US and a development which, at least to us, confirms China's ascendancy to global economic superpower status.”It would be entirely rational for a G2 to prevent a third great power from rising, and India is the only candidate: Brazil, Russia, South Africa, the EU are handicapped in one way or the other, e.g. geography, resources, demographics, politics. Therefore the G2 are imposing a Thucydides Trap on India: wage economic (if not kinetic) war, and balkanize it.Everybody has learned lessons from the recent past (“Confessions of an economic hit-man”, anyone?): how Japan was ruined via the Plaza Accord, how Britain lost its pre-eminence by debasing its currency, and how the US allowed itself to be systematically de-industrialized by China over the last 30 years. They are not going to let India grow, certainly not easily.Thus Adani is a proxy for India. Mark Mobius, a legendary investor, said, “Investing in Adani is like investing in India”. That is not an exaggeration, because Adani has demonstrated the capability to deliver in more than one domain, especially in ports and airports (Disclaimer: I have a small position in Adani Ports). They have operations in Colombo, Haifa (Israel) and Abbot Point (Australia), which makes them a potentially major player in global shipping, not to mention their container ports at Mundhra and Vizhinjam (Trivandrum).There have been several waves of attacks on the Adani group, the first in June 2021 alleging improprieties in investments by Mauritius-based funds; the second in January 2023 with the ‘bombshell' Hindenburg (a short-seller) report alleging stock manipulation and accounting fraud; the third in November 2024, a US Dept of Justice allegation about bribery; the fourth in October 2025 by the Washington Post alleging the Indian government induced LIC to invest $3.9 billion in Adani firms.When the Hindenburg report was publicized as the “largest con in corporate history” by pliant media like Reuters, FT and WSJ, I wrote that “The Adani Group may not be derailed by Hindenburg”. I also did a video conversation with Professor Narayanan Komerath on the topic.In fact, in a “dog it was that died” outcome, it was Hindenburg that closed shop; Adani has recovered even after a second Hindenburg report accusing the SEBI chief as well.Adani has been successful in their ports and energy businesses; they are doing well in airports; their efforts in green energy and in data centers (the new Google AI data center in Vishakhapatnam) may yet prove to be winners. Thus Adani has shown it can compete well in difficult infrastructure sectors. It is true that these need to align with government policies.Which brings whispers of ‘crony capitalism', which is rich coming from the US, where ‘robber barons' like John D Rockefeller, Andrew Carnegie, J P Morgan and Cornelius Vanderbilt created enormous fortunes primarily through cronyism. Have you heard the dictum “What's good for General Motors is good for America”? Boeing, the Koch Brothers, Goldman Sachs and Big Tech are current beneficiaries of State munificence.India has had its share of crony capitalists who provided citizens with shoddy goods at high prices. I don't dare name them, but you know who they are. Every country supports its national champions: Japan's zaibatsu, Korea's chaebol, China's State Owned Companies.And recently J P Morgan Chase announced it is investing $1.5 trillion in US industries such as critical minerals, pharma, semiconductors, energy, drones, cybersecurity, AI and so on. Surely this is after consultations with and a go-ahead from the US Government. Similarly, it is neither sinful nor unusual for the Indian State to support dominant, effective players. More power to Adani!800 words, 31 October 2025 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit rajeevsrinivasan.substack.com/subscribe

Collecting mokuhanga has never been easier. You no longer need to visit galleries as often; you can purchase prints online from anywhere in the world, all from the comfort of your own home. But you'd be doing yourself a disservice to stop there. Seeing prints in person at galleries is a wonderful experience — it allows you to get up close to the work, to see what your potential investment looks like under the lights, and to speak with the people who work in the galleries and collections, who can help guide you toward the right decision. One such gallery is in Tokyo and New York and has a long history of showcasing wonderful contemporary prints — from mokuhanga and aquatint to lithography and other mediums. The Tolman Collection Tokyo, located in the Shibadaimon district of Minato, Tokyo, has been operating for over 50 years and enjoys a strong reputation both in Japan and around the world. In this episode of The Unfinished Print: A Mokuhanga Podcast, I speak with Allison Tolman of The Tolman Collection Tokyo. We discuss how the gallery began — from the hope and a dream of Allison's parents, Mary and Norman Tolman, who built a life and a    business in a new country, to their friendships with many of the most important printmakers of their time. Allison shares why prints remain so vital today, emphasizing their democratic nature. She also discusses the differences between contemporary printmakers in Japan and those in the West, as well as the unique experiences of selling prints in Tokyo versus at The Tolman Collection in New York. Please follow The Unfinished Print: A Mokuhanga Podcast and my own mokuhanga work on Instagram @andrezadoroznyprints or email me theunfinishedprint@gmail.com Notes: may contain a hyperlink. Simply click on the highlighted word or phrase. Artists works follow after the note if available. Pieces are mokuhanga unless otherwise noted. Dimensions are given if known. Print publishers are given if known.  The Tolman Collection - Tokyo, New York Machida City of Graphic Arts - is a print gallery located in Machida City, Tokyo, Japan. More info can be found, here.  Kitaoka Fumio (1918-2007) - was a painter who moved onto mokuhanga later in life. Kitaoka was a sōsaku hanga printmaker whose works touched on anti-war themes and Japanese society, emigres and the working class.  Tsukiji Fish Market (1988)  Tadashige Ono (1909-1990) - was a socially conscience printmaker of Post-War Japan. Tadashige's early works were influenced by the west with German Expressionism and later in his career, as his personal politics began to change, Tadashige;'s prints began to focus on an industrial Japan.  House (Hiroshima) (1957) Tōkō Shinoda (1913-2021) - was a calligrapher and painter in Japan. Shinoda saw herself as an artist who combined painting and calligraphy together defying categorization. More information can be found, here from The Royal Ontario Museum, Toronto.  Sound (ca 1990) lithograph on paper 17 5/8" h x 23 3/8" w Clifton Karhu (1927-2007) -  was a mokuhanga printmaker based in Japan. Karhu lived in Japan for most of his life after studying with Tetsuo Yamada and Stanton Macdonald-Wright. HIs themes were of his home city of Kyoto, Japan. More information can be found, here.  Black Robe (1976)  shin hanga - is a style of Japanese woodblock printmaking that emerged in the early 20th century, marking the end of the nishiki-e period. Originating around 1915 under the direction of Watanabe Shōzaburō (1885-1962), the art form responded to the foreign demand for "traditional" Japanese imagery. Shin hanga artists focused on motifs like castles, bridges, famous landscapes, and bamboo forests. The style was initiated when Watanabe discovered Austrian artist Fritz Capelari (1884-1950) and commissioned him to design prints for Watanabe's budding printing house. This collaboration led to the evolution of shin hanga into a distinctive new style of Japanese woodblock printing. The shin hanga movement thrived until its inevitable decline after the Second World War (1939-1945). Shōzaburō Watanabe (1885-1962) - was one of the most important print publishers in Japan in the early 20th Century. His business acumen and desire to preserve the ukiyo-e tradition were incredibly influential for the artists and collectors in Japan and those around the world. Watanabe influenced other publishers, but his work in the genre is unparalleled. The shin-hanga (new print) movement is Watanabe's, collecting some of the best printers, carvers and designers to work for him. A great article by The Japan Times in 2022 discusses a touring exhibition of Watanabe's work called Shin Hanga: New Prints of Japan, which can be found here.  Kawamura Sayaka - is a mokuhanga printmaker based in Japan. Her work has an ethereal quality of mystery and fantasy. More information can be found on her Instagram.  Bon Voyage IV (2019) 27.56 " × 27.56 " AP - stands for Artist's Proof. When a printmaker is almost ready to print an edition, they will create a few prints that serve as proofs of the final image before the edition is printed. Gotō Hidehiko (b.1953) - is a mokuhanga printmaker and tool maker based in Japan. He makes and teaches seminars about the construction of the mokuhanga tool, the baren.  Sound Of The Waves (2016) 15" × 12" Zōjōji Daimon - is a Buddhist temple in Minato, Tokyo of the Jōdo-shū (Pure Land) sect of Buddhism David Rockefeller (1915-2017) - was an American economist and investment banker who led Chase Manhattan Corporation as its chairman and CEO. From 2004 until his passing in 2017, he was the oldest living member of the Rockefeller family. The youngest of five sons, he was the child of John D. Rockefeller Jr. and Abby Aldrich Rockefeller, and the grandson of John D. Rockefeller and Laura Spelman Rockefeller.  Hasegawa Yuichi (1945-2025) - was a woodblock printmaker from Aizu in Fukushima Prefecture. He was from a family of lacquerware makers. Hasegawa incorporated lacquer resin and metallic paints into his reduction woodblocks, giving them a distinctive texture and gleam. Deeply influenced by Zen and the natural world, he aimed to capture the power and splendor of nature in his prints.  Night Sky No. 5 (2000) Seiko Kawachi - is a mokuhanga printmaker and painter based in Japan. His work is known for its rich use of color and dynamic energy. A longtime printmaking instructor at Tama Art University, he experienced a turning point in his middle age when he began exploring the influence of Hokusai. Using contemporary materials, his large, powerful prints capture the movement and vitality of the natural world. Object: The Flying: Ki (The Flying: Introduction) (1985) mokuhanga and intaglio, 65" × 36" Tama Art University - located in Tokyo, Japan, is one of the country's leading institutions for art and design education. Founded in 1935, it offers programs in fine arts, design, architecture, and media arts, fostering both traditional and contemporary approaches to creativity. Known for its strong emphasis on experimentation and individual expression, Tama has produced many influential artists, designers, and educators who have shaped Japan's modern art scene. More info, here.  © Popular Wheat Productions logo designed and produced by Douglas Batchelor and André Zadorozny  Disclaimer: Please do not reproduce or use anything from this podcast without shooting me an email and getting my express written or verbal consent. I'm friendly :)    

Charles Derber, Professor of Sociology at Boston College, discusses his latest book Bonfire: American Sociocide, Broken Relations, and the Quest for Democracy (Routledge, 2025) and why sociocide is a most relevant and pressing societal issue facing our societies, what Derber views as a collective suicide of society by the “we” and the rise of the “me” superceding all social connections. Covering the disappearance of labour unions and their participation in the United States, Derber details the vanishing of vital social spaces, such as family and work, resulting in the breakdown of social relations and a conterminous increase in authoritarianism. Historicising the sociopathy of early American capitalism with the rise of the “robber barons” such as John D. Rockefeller, J.P. Morgan, and Andrew Carnegie, Derber notes how capitalism skewed society's dominant values towards the antisocial, leading to the breakdown of society. Derber also notes how, despite the exploitative nature of employment throughout the 19th century, workers could count on a certain measure of continuity. With the rise of neoliberalism and Big Tech in the late twentieth century, Derber details how today's worker exploitation by far surpasses the exploitation of previous eras, as the employment relationship today is now largely contingent, with workers burning out much more quickly whilst being paid less than survival wages, making the exploitation of the 19th century look almost desirable by comparison. Get full access to Savage Minds at savageminds.substack.com/subscribe

This two-part video series provides a deep historical analysis of Moralistic Therapeutic Deism (MTD), tracing its ingredients from 19th-century New England intellectual and social revolutions to its status as America's de facto civic religion. We argue that MTD collapsed when the sexual and moral revolutions forced a devastating fracture between its Christian heritage and its core principles of self-actualization and benevolence, leading to the polarized political landscape of today.Moralist Therapeutic Deism Part 1 - https://www.youtube.com/watch?v=5eHYMzanOvs&t=4679s @triggerpod   @InterestingTimesNYT   @JonathanPageau   @PaulVanderKlay 00:00:00 - Introduction and Recap00:10:07 - MTD, Chicago, and Obama00:13:00 - Cornell as Microcosm00:25:15 - Tim Keller on programatic secularism00:35:55 - Mainline Christianity00:37:45 - Wokeness and MTD00:47:05 - MTD and Partisanship00:49:20 - Arena vs Agent00:51:00 - Donald Trump 00:56:15 - Nationalism vs Globalism01:03:40 - Who killed MTD?01:05:55 - Competing Arenas01:08:25 - The future of Christian NationalismIn this video I mention:Aaron Renn, Abraham Lincoln, Albert Baker, Alfred, Allen C. Guelzo, Amos, Andrew Jackson Davis, Ann Lee, Anagarika Dharmapala, Arthur Conan Doyle, Athanasius, Barack Obama, Benjamin Franklin, Billy Graham, Black Lives Matter, Bud, Buddha, Calvin, Cathleen Falsani, Catherine Fox, Charles B. Rosna, Charles Carroll Bonney, Charles Haddon Spurgeon, Charlie Kirk, Christian Smith, Christopher Pearse Cranch, Clement of Alexandria, Conrad Grebel, Constantine, David Bentley Hart, Deepak Chopra, Donahoe, Donald Trump, Eddie Lincoln, Eleanor Roosevelt, Elijah Muhammad, Eliott, Elizabeth Cady Stanton, Elizabeth Keckley, Ellen Todd, Emilie Todd Helm, Emanuel Swedenborg, Epictetus, Erica Kirk, Ernst Troeltsch, Ezra Klein, Fanny Hayes Platt, Faustus Socinus, Finney, Fox Sisters, Franz Anton Mesmer, Fred Shuttlesworth, Frederick the Wise, Friedrich Nietzsche, Galen, George Barna, George Fox, George W. Bush, Gregory of Nyssa, Henry Clay, Henry David Thoreau, Henry James, H. P. Blavatsky, H. Richard Niebuhr, Harriet Beecher Stowe, Harold Ockenga, Harry Emerson Fosdick, Helen Schucman, Hosea Ballou, J. Gresham Machen, Jacob Blake, James, James Comey, James Lindsay, James Russell Lowell, Jared Sparks, Jean H. Baker, Jenkin Lloyd Jones, Jesus Christ, Jim Lindsay, John, John Adams, John Bunyan, John D. Rockefeller, John Henry Barrows, John Locke, John Milton, John Murray, John Stott, Jonathan Edwards, Jordan Peterson, Joseph Priestly, Joseph Smith, Judith Skutch, Julius Dresser, Kant, Karl Menninger, Karlstadt, Kate Fox, Kenneth Minkema, Koot Hoomi, Kyle Rittenhouse, Lelio Socinus, Leonard Zusne, Lou Malnatis, Luke Thompson (  @WhiteStoneName  ), Lyman Beecher, Madame Blavatsky, Margaretta Fox, Marianne Williamson, Mark Parker (  @MarkDParker  ) , Mark Twain, Mary Baker Eddy, Mary Todd Lincoln, Matt Herman, Meister Eckhart, Melinda Lundquist Denton, Mesmer, Micah, Michael Bronky, Michael Servetus, Monophysite, Morya, Moses, Nancy Pelosi, Napoleon Bonaparte, Nettie Colburn Maynard, Newton, Niccolò Machiavelli, Nicholas of Cusa, Norman Vincent Peale, Oprah, Origen, Paul, Paul Tillich, Paul Vanderlay, Phineas Parkhurst Quimby, Plotinus, Proclus, Ralph Waldo Emerson, Ramakrishna, Rick Warren, Robert Schuller, Robin D'Angelo, Rod Dreher, Ronald Reagan, Ross Douthat, Rowan Williams, Rudolf Steiner, Samuel Johnson, Septimus J. Hanna, Shailer Mathews, Shakers, Shadrach, Socrates, Soyen Shaku, Swami Vivekananda, Tad Lincoln, Tertullian, Thomas Aquinas, Thomas Jefferson, Thomas Starr King, Tracy Herman, Virchand Gandhi, Victoria Woodhull, Warren Felt Evans, William Ellery Channing, William James, William Lloyd Garrison, William Newton Clarke, Willie Lincoln, Winthrop, Zwingli.

rWotD Episode 3074: Weyanoke, Virginia Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Friday, 3 October 2025, is Weyanoke, Virginia.Weyanoke is a plantation farmstead in Charles City County, Virginia, United States. In 1619, the First Africans in Virginia arrived at the Weyanoke Peninsula. They created the first African community in North America. The Westover Plantation and related archaeological sites were listed on the National Register of Historic Places in 1980.On October 30, 1665, Joseph Harwood was granted 422 acres of land on the north side of the James River. This land was known as Weynoke. This tract passed from the Harwood family to the Lewis family when Agnes Harwood married Fielding Lewis. Developed for tobacco culture by slaves, the Weyanoke Plantation includes a formal Georgian style mansion built in the 1790s. The mansion is a two-story frame house sheathed with molded weatherboards and set on a brick foundation. It was built by Fielding Lewis who was named for his uncle Col. Fielding Lewis of Fredericksburg. Some 40 archaeological sites, associated with Native American, African American, and European American activities, have been identified in the 20th and 21st centuries as part of the historic property.Weyanoke Plantation was passed through marriage to the Douthat family, whose descendants kept ownership through the American Civil War. In June 1864 the Union Army under General Grant crossed from Weyanoke Point to Flowerdew Hundred on the south bank of the James River on a hastily constructed pontoon bridge.The original house was enlarged after 1938. Within the property's boundaries are the archaeological remains of man's continuous occupation of the site, which spans 10,000 years.In 1972 Weyanoke was acquired by Lawrence Lewis, Jr., a descendant of Fielding Lewis. Lewis, a businessman, philanthropist, benefactor of generations of conservative politicians, and founder of Flagler College in St. Augustine, Florida, was an heir to a fortune amassed in oil and railroad investments by Henry Morrison Flagler, who in 1870 founded Standard Oil Co. with John D. Rockefeller. Lewis' fortune was estimated at $120 million in the July 1993 issue of Virginia Business magazine.This recording reflects the Wikipedia text as of 01:04 UTC on Friday, 3 October 2025.For the full current version of the article, see Weyanoke, Virginia on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Raveena.

Rockefeller held shares in numerous companies after the breakup of Standard Oil, and as their value increased his wealth was reported to have surpassed $1 ...

What do John D Rockefeller, King Solomon, Henry Ford, and Joseph Stalin all have in common? Two things. First, they are all on the list of the twenty wealthiest individuals who ever lived. Second, they are all rotting in the ground. While the blessing of money can do a lot of things, it cannot prevent death or buy one's way out of it. Jesus' words this week warn against allowing anything - whether a love for money or anyone or anything else - to fill our hearts and crowd out the love of God and love for God. Instead, let our hearts be filled with what serves us in this life and qualifies us for the next: the Word of God.

#business #books #entrepreurship Get my 2 books, 2 webinars, and 22 book summaries : https://selar.com/paulfohbookpromo

Episode Synopsis:Did the ideas of John Dewey die along with him, or are the notions of pragmatism and it a associated instruction model of Progressive Education persistent enough to maintain a stranglehold on society, long after their visionary author was put to rest?We talk about this and much more, including:Why did John Dewey expand education further into adolescence, constituting the 666 days of compulsory education we see today?Why was John Dewey working for John D Rockefeller funded institutions?What are some of the cognitive limitations in forming beliefs?Who was John Dewey and how does his idea of pragmatism rule the world from the grave?What are some of the devastating consequences of adopting the ideals espoused by Progressive Education?Original Air DateSeptember 24th, 2025Show HostsJason Spears & Christopher DeanOur PatreonConsider joining our Patreon Squad and becoming a Tier Operator to help support the show and get access to exclusive content like:Links and ResourcesStudio NotesA monthly Zoom call with Jason and Christopher And More…ORP ApparelMerch StoreConnect With UsLetsTalk@ORPpodcast.comFacebookInstagram

The boys unravel the origin story of one of America's most powerful dynasties — the Rockefellers. From humble beginnings in upstate New York, John D. Rockefeller's rise from a disciplined teenager loaning out $50 at 7% interest to becoming the richest man in American history is both awe-inspiring and deeply controversial.Starting with Rockefeller's early years — a religious, frugal upbringing shaped by his con-artist father and devout mother — and follow his obsessive focus on efficiency and control as he dives headfirst into the oil refining game in Cleveland. By his early 30s, Rockefeller had turned the chaotic oil boom into a ruthless game of consolidation, vertical integration, and railroad manipulation. He built the Standard Oil empire brick by brick, buying out competitors during the infamous “Cleveland Massacre” and pioneering the first true industrial monopoly in U.S. history.But Rockefeller's influence didn't stop at oil. In the second half of the episode, we pull back the curtain on one of the most chilling conspiracy claims tied to his legacy: the hostile takeover of American medicine. We explore how, through the Rockefeller Foundation and the infamous 1910 Flexner Report, Rockefeller helped discredit homeopathy, herbalism, and natural healing — clearing the way for a petrochemical-fueled pharmaceutical empire. Was this philanthropy? Or a calculated campaign to monopolize health the same way he had monopolized oil?And what about the claim that Rockefeller's empire merged with IG Farben, forming a global "Drug Trust" that shaped modern medicine, media, and even cancer treatment options in America? We trace how petrochemical byproducts went from industrial waste to everyday ointments, pills, and shampoos — and how the very industry meant to heal us may have been designed from the start to profit off of our sickness.From dimes handed to children to dimes dropped into drug patents, this episode peels back the layers of the Rockefeller legacy. Innovator or villain? Savior or saboteur? It all depends on who writes the history — or who owns the printing press.This is The Rockefellers — only on The Conspiracy Podcast.www.patreon.com/theconspiracypodcast

In this episode, Owen and Ted unpack a heavy week filled with tragic headlines and personal reflections. They shift gears into lessons learned from event planning, share insights from historical biographies like Titan on John D. Rockefeller, and explore how the past shapes today's business world.The conversation also dives into an ongoing redevelopment project, from the quirks of construction to the realities of inspections and tenant management. Wrapping up, the hosts reveal creative strategies for acquiring multiple properties at a discount—highlighting how smart structuring and financing can accelerate portfolio growth.

Jeff Stanfield and Andy Shaver are joined by Jon Deeter of Guyette & Deeter, the largest decoy and sporting art auction company in the world.Jon previews their upcoming Fine Sporting Arms Auction on September 11–12, shares insight into hunters' appreciation for fine shotguns, and explains the surge of new participants in the collecting world. They also discuss John D. Rockefeller's legendary waterfowl collection and the passion driving collectors to seek out hand-carved decoys.

Key Takeaways: Plan an exit strategy early: Agree with business partners ahead of time on how to handle transitions so changes go smoothly. Learn from Rockefeller's example: Strategic buying can be a smart way to reshape and grow a business. Combine discipline with emotional intelligence: Managing money well and handling emotions wisely can make partnerships and operations more successful. Work with the right people: Choose partners or employees who share your values and vision to support long-term growth. Value different perspectives: Appreciating different personalities and viewpoints can lead to more innovation and business success.   Chapters: Timestamp Summary 0:00 Strategies for Buying Out Business Partners 3:37 John D. Rockefeller's Clever Business Takeover Strategy 4:49 Navigating Business Partnerships and Finding the Right Fit 6:58 Building Intelligent Organizations Through Emotional Intelligence and Diversity 10:04 Exxon's Legacy of Consistent Dividends Since 1882   Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

A reporter once asked John D. Rockefeller, “How much money is enough?”Rockefeller, widely considered the wealthiest American of all time and the richest person in modern history, replied, “Just a little bit more.”Sadly, Rockefeller would never have enough money to be satisfied.When it comes to our possessions, the Bible consistently calls us to be content with what God has given us. Contentment leads to thankfulness and discontentment leads to selfishness.Take time to write out all the good things that God has blessed you with. Let's set a good example for our boys by deciding to be content with God's unbelievable goodness to us.For more information about a Proven Process that is helping boys grow into godly men, visit Trail Life USA or RaisingGodlyBoys.com.

3.  #LONDINIUM90AD LIVE AT 6 PM ET SUNDAY: 8/31:  GAIUS & GERMANICUS DEBATE:  Women with Money, Billionaire Politicians, and the New Roman Republic.  This segment explores the historical and contemporary intertwining of money, power, and politics, comparing wealthy individuals in ancient Rome with those in 21st-century America. Gaius introduces Claudia of Matelis, a powerful Roman woman from the 1st century BCE who, despite formal restrictions like needing an advisor and being barred from court, inherited immense wealth and lived an independent life, exercising "great political power". Gaius observes that "politics and money in Rome were the same thing," a truth he believes also applies to America. Germanicus elaborates that in traditional societies, women historically played powerful, behind-the-scenes political roles, often linked to class and wealth, citing figures such as Livia in Rome or Madame de Pompadour. In the modern U.S., he notes a significant "galloping ahead" of women's wealth and influence, projecting that women will control 75% of discretionary spending by 2028, and already hold over 66% of consumer wealth and 51% of all stocks. The discussion then shifts to the emergence of billionaire politicians. While historical figures like JP Morgan, Carnegie, and John D. Rockefeller possessed immense wealth, they were not directly engaged in politics. Today, however, there is a rise of billionaires, including women such as Steve Jobs' wife (who owns The Atlantic and engages in "charitable or political charitable giving"), directly influencing politics. This trend, they suggest, could lead to "family dynasties," exemplified by the Pritzker family. The speakers connect this phenomenon to Roman history, particularly after Constantine's conversion to Christianity, where "unbelievably rich senators" and their widows became crucial political players and funders of networks like monasteries and churches. They mention a period in the 5th-century Western Empire where three senators each held more wealth than the imperial state itself. They further link the increasing disproportion of wealth and income in the United States to levels comparable to pre-French Revolution France. In Rome, such inequality led to the "revolution" that ended the Republic and ushered in "billionaire politicians" like Crassus, Caesar (who gained massive wealth despite being in debt), and Augustus (whose wealth "soared" with power). The segment concludes with the assertion that America is becoming "more and more like Rome every single day" and is heading towards a future potentially dominated by "billionaire presidents," with Mr. Trump making claims in this vein. Germanicus predicts that these billionaires will become the "new dukes and counts" of American politics, potentially creating a political system characterized by a struggle between the emperor/state and these extraordinarily powerful figures. 79 AD WOMEN OF ROME #LONDINIUM90AD LIVE AT 6 PM ET EVERY SUNDAY: GAIUS & GERMANICUS DEBATE. FRIENDS OF HISTORY DEBATING SOCIETY. @MICHALIS_VLAHOS. PRODUCED BY CHRIS NOEL.

What did you think of John D Rockefeller, Henry Ford, Howard Hughes, Sam Walton and Hetty Green?These five titans of American industry include an oil tycoon, a motor magnate, an eccentric aviator, the founder of Walmart, and an unsung pioneer of value investment known as the ‘Witch of Wall Street'. They helped shape business in the United States, but were they good, bad, or just billionaires?In Good Bad Dead Billionaire, BBC business editor Simon Jack and journalist Zing Tsjeng share their stories. Now we bring your verdicts in messages from across the world, including from Zambia, Ireland, Nigeria, Germany, the UK and Australia.Good Bad Billionaire is the podcast that explores the lives of the super-rich and famous, tracking their wealth, philanthropy, business ethics and success. There are leaders who made their money in Silicon Valley, on Wall Street and in high street fashion. From iconic celebrities and CEOs to titans of technology, the podcast unravels tales of fortune, power, economics, ambition and moral responsibility.To contact the team, email goodbadbillionaire@bbc.com or send a text or WhatsApp to +1 (917) 686-1176. Find out more about the show and read our privacy notice at www.bbcworldservice.com/goodbadbillionaire.

Key Takeaways: Use debt wisely: John D. Rockefeller showed that debt can be a powerful tool if managed with discipline, turning it into an advantage instead of a burden. Balance optimism with caution: Business owners should stay hopeful but also careful in their financial planning to survive economic downturns. Debt and equity bring similar pressures: Even though they're different, both require business owners to deliver returns. Stay disciplined with money: Keep a financial cushion for hard times while still investing in marketing and growth. Pay yourself fairly: Making sure you earn enough as a business owner protects your personal finances and helps with taxes and retirement planning.   Chapters: Timestamp Summary 0:00 Debt as a Weapon or Trap in Modern Society 1:15 Debt as a Weapon or Trap in Business Strategy 5:14 Balancing Optimism and Financial Discipline in Business Ventures 9:06 Importance of Paying Yourself a Salary for Long-Term Benefits 9:10 Strategic Marketing and Financial Discipline in Business Management 13:36 Consult Advisors Before Investment Decisions Due to Associated Risks   Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

I greet you in Jesus' precious name! It is Friday morning, the 15th of August, 2025, and this is your friend, Angus Buchan, with a thought for today. We go to the Gospel of Luke 16:11-12:”Therefore if you have not been faithful in the unrighteous mammon, who will commit to your trust the true riches? And if you have not been faithful in what is another man's, who will give you what is your own?” Those are strong words spoken by the Master Himself, our Lord Jesus Christ. Because we are Christians, that does not give us an excuse to be second-rate, to be slack, to be lazy, or not to do our best at work.If we are to be ambassadors of Jesus Christ in the workplace, then we need to do it as if we were doing it to God Himself. We need to operate in our God-given gift. I don't know how many young men and women I meet sometimes, ”I just want to serve the Lord.” Well, serve Him in the business field first, before you want to go out and preach to others. Now the Lord Jesus is talking about a man who is shrewd. “Shrewd” means having or showing sharp powers of judgement, being an astute operator or businessman. We need to work hard in the business field, not only for ourselves, but for our fellowman, but mainly for the Lord. Do it well, not for personal gain but as a witness for Jesus. Be the best farmer you can be. Be the best professional sportsman or woman you can be. Be a good teacher, an artist, a doctor, a truck driver as unto the Lord. I read something very encouraging and it goes like this: Individuals who integrate their Christian faith into their business practices and leadership, that's what God is looking for - integrity, honesty, service, impacting communities especially in the workplace, living out their faith in the marketplace.I looked up John D Rockefeller, an American businessman. He was in the oil business. They say that he was the most successful businessman of his era. He reminds me of Joseph. You know that Pharaoh made Joseph his prime minister. He was the second most powerful man on earth. Remember, he was a slave, sold into slavery, he made an impact, he saved a nation.Today, use your God-given gifts for the glory of God and enjoy what you're doing.Jesus bless you and have a wonderful day, Goodbye.

In this episode of American Dynasties, we pick up where we left off—at the height of Standard Oil's power. John D. Rockefeller's empire controlled more than 90% of the U.S. oil market, but cracks were beginning to show.We'll follow the rise of investigative journalist Ida Tarbell, whose groundbreaking exposé revealed the hidden tactics behind Standard Oil's success. We'll explore the wave of public outrage her work ignited, the legal battles that reached all the way to the Supreme Court, and the landmark 1911 decision that shattered Rockefeller's monopoly.This is the story of how one man's business brilliance collided with the growing demand for fairness in the American marketplace—and how the fall of Standard Oil forever changed the way America does business.

Why do we do this to ourselves? Why can't we take the break? Why can't we take the hand that's being offered?

Mark Twain didn't just write American classics, he lived one of the most powerful personal transformations in history. In Part 2 of this conversation, Pulitzer Prize-winning biographer Ron Chernow returns to join Ryan for a deep dive into Twain's remarkable moral evolution. They discuss how Twain's journey mirrors those of Ulysses S. Grant and John D. Rockefeller, reflect on the tragic cost of chasing fortune over purpose, and explore what makes a biography timeless and a life unforgettable.Plus, a special moment: Ryan's 8-year-old son jumps in to ask Ron about Hamilton, his favorite musical.Ron Chernow is the prizewinning author of seven previous books and the recipient of the 2015 National Humanities Medal. His first book, The House of Morgan, won the National Book Award, Washington: A Life won the Pulitzer Prize for Biography, and Alexander Hamilton—the inspiration for the Broadway musical—won the George Washington Book Prize. He has twice been a finalist for the National Book Critics Circle Award and is one of only three living biographers to have won the Gold Medal for Biography of the American Academy of Arts and Letters. Ron's latest book is on the fascinating and complex life of American writer Mark Twain. Follow Ron Chernow on Instagram: @RonChernow

Brilliance without emotional control is often a recipe for destruction. In this episode, Ryan sits down with Pulitzer Prize-winning biographer Ron Chernow, whose acclaimed biographies on Alexander Hamilton, George Washington, Ulysses S. Grant, John D. Rockefeller, and most recently, Mark Twain have reshaped our understanding of American greatness. Ron and Ryan talk about how these men's deepest personal struggles and their ability to manage emotion became the defining factor in their lives and legacies.Ron Chernow is the prizewinning author of seven previous books and the recipient of the 2015 National Humanities Medal. His first book, The House of Morgan, won the National Book Award, Washington: A Life won the Pulitzer Prize for Biography, and Alexander Hamilton—the inspiration for the Broadway musical—won the George Washington Book Prize. He has twice been a finalist for the National Book Critics Circle Award and is one of only three living biographers to have won the Gold Medal for Biography of the American Academy of Arts and Letters. Ron's latest book is on the fascinating and complex life of American writer Mark Twain. Follow Ron on Instagram: @RonChernow

On this episode, Tony Brueski digs into the enigmatic tales surrounding Cleveland's Lake View Cemetery. From its inception in 1869 as a garden cemetery to its status as the final resting place for notable figures like President James A. Garfield and John D. Rockefeller, the cemetery is steeped in history and mystery.   Tony explores the reported paranormal phenomena that have intrigued visitors for decades. From the weeping Haserot Angel to unexplained sensations and sightings, we delve into the stories that blur the line between the natural and the supernatural. Join us as we uncover the layers of legend and reality in one of America's most storied cemeteries.

On this episode, Tony Brueski digs into the enigmatic tales surrounding Cleveland's Lake View Cemetery. From its inception in 1869 as a garden cemetery to its status as the final resting place for notable figures like President James A. Garfield and John D. Rockefeller, the cemetery is steeped in history and mystery.   Tony explores the reported paranormal phenomena that have intrigued visitors for decades. From the weeping Haserot Angel to unexplained sensations and sightings, we delve into the stories that blur the line between the natural and the supernatural. Join us as we uncover the layers of legend and reality in one of America's most storied cemeteries.

Welcome to another Dangerous Conversation on The Kirk Cameron Show—a safe space for dangerous conversations. In this episode, Kirk and James dive into a deeply personal and thought-provoking discussion on education:

In the early 1900s, a new generation of crusading writers and journalists captured the nation's attention by digging up dirt on big business and government and advocating for change. They became known as “muckrakers.” Ida Tarbell exposed the ruthless machinations of John D. Rockefeller, the tycoon who built Standard Oil. Lincoln Steffens exposed bribery in city governments across America. And Upton Sinclair chronicled the horrific conditions in Chicago's meat packing plants and slaughterhouses. But in galvanizing public support for progressive reform, they also clashed with President Theodore Roosevelt, who was fighting his own battles with conservatives in Congress.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American History Tellers on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-history-tellers/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.