Podcasts about Leaving

Hunter Hayes sits down with Bobby to talk about what it was really like growing up in music, from performing at just 4 years old to becoming one of country music’s young stars. He opens up about the pressure of child stardom, why he eventually stepped away from Nashville, and what led him back to making music on his own terms. Hunter also shares what it felt like living a double life at times, balancing the expectations that came with early success while still trying to figure out who he was away from the spotlight. He talks about the freedom that came with leaving, the perspective he gained during that chapter, and how it shaped the way he creates now. Plus, Hunter gets into his love of Coldplay, the inspiration behind his new album, and why this next season of music feels different than anything he’s done before. Watch The BobbyCast on Netflix! Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCastSee omnystudio.com/listener for privacy information.

Mary chats with Ray Moore about the alarming rise in anti-homeschooling bills that have been proposed since January. Ray is the founder of The Exodus Mandate Project, urging Christian parents to pull their kids out of public schools and place them in Christian schools or homeschool instead. Ray, a co-founder of Frontline Ministries, Inc., currently serves as the President of the Board. Ray is the author of Let My Children Go and also one of the Executive Producers of the 2011 award-winning film, IndoctriNation: Public Schools and the Decline of Christianity in America. We talk in-depth about the various states that have introduced aggressive anti-homeschooling bills and what their motives might be, which most parents can see through anyway. We also talk about the reasons parents homeschool and encourage families to secure a biblical worldview for their youngsters instead of a pagan, humanistic one. A family man himself, Ray is a retired Lt Colonel and chaplain for the Army. He is passionate about our kids and in this war on the family, we need all the soldiers we can get.       Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

This episode was sponsored by ASPCA Pet Health Insurance, Kindred Bravely, Omaha Steaks, and Hiya Health. ASPCA Pet Health Insurance: Explore coverage at https://www.aspcapetinsurance.com/UNPLANNED Kindred Bravely: Get 20% off your first order at https://KindredBravely.com/UNPLANNED with promo code UNPLANNED Omaha Steaks: Go to https://OmahaSteaks.com and use promo code UNPLANNED at checkout for $35 off. Minimum purchase may apply. Hiya Health: Receive 50% off your first order of Hiya's best selling children's vitamin at https://hiyahealth.com/UNPLANNED this deal is not available on their regular website. Maddie Henderson and Matt Scharff join us for a fun, honest conversation about their whirlwind love story—from meeting online to moving in fast and now preparing for their first baby. Matt opens up about his adoption from Russia, we answer your audience questions, and wrap it all up with a chaotic round of Who's More Likely.

295: In this solo episode, I'm sharing a personal life update and opening up about a really challenging season. Over the past few months, I've been navigating the loss of my mom after her long battle with cancer, while also dealing with a toxic mold situation in our home that led to health concerns and unexpected legal stress. I talk about my mom's journey, what this experience has taught me about health, faith, and resilience, and what it's been like processing grief while pregnant. I also share more about discovering the mold and how it's impacted our lives. This episode is a more personal, behind-the-scenes look at what life has been like lately and how I'm moving forward through it all. Topics Discussed: → Grief and losing a parent after a long cancer journey → Navigating pregnancy during an emotional season → Faith, resilience, and mindset through hardship → Toxic mold exposure and its impact on health and housing → Legal challenges and starting over after unexpected life changes Sponsored By: → Function | Own your health for $365 a year. That's a dollar a day. Learn more and join using my link. Visit https://www.functionhealth.com/REALFOODOLOGY and use gift code REALFOODOLOGY25 for a $25 credit toward your membership.  → PaleoValley | Head to paleovalley.com/realfoodology for 15% off your first purchase. → Qualia | Take control of your cellular health today. Go to https://qualialife.com/realfoodology and save 15% to experience the science of feeling younger. → Just Thrive | Get your health in check and save 20% on your first order at https://justthrivehealth.com/REALFOODOLOGY → Beekeeper's Naturals | Today, Beekeeper's Naturals is giving my listeners an exclusive offer: Go to https://beekeepersnaturals.com/REALFOODOLOGY or enter code REALFOODOLOGY to get 20% off your order. Timestamps:  → 0:00 – Introduction → 1:13 – Cancer Diagnosis → 4:39 – Treatment & Faith → 8:04 – Medical Complications → 13:29 – Final Months → 17:30 – Alternative Therapies → 23:05 – Passing → 25:47 – Grief → 27:48 – Mold Discovery → 30:55 – Legal Issues Show Links: → ⁠realfoodology.com⁠ Check Out: →⁠PEOPLE VS THE POISON - Sign up now!⁠⁠ https://thepeoplevspoison.org → ⁠Instagram - Realfoodology Check Out Courtney:  →  ⁠LEAVE US A VOICE MESSAGE⁠ →  ⁠Check Out My new FREE Grocery Guide!⁠ →  ⁠@realfoodology⁠ →  ⁠www.realfoodology.com⁠ →  ⁠My Immune Supplement by 2x4⁠ →  ⁠Air Dr Air Purifier⁠ →  ⁠AquaTru Water Filter⁠ →  ⁠EWG Tap Water Database⁠ Produced By: Drake Peterson

President Donald Trump could take a lesson from former President Joe Biden before leaving office and issue preemptive pardons for key figures around him. The topic of issuing presidential pardons for charges that have not yet been brought has fallen into a legally gray area, but is now being viewed across the aisle as a possible strategy amid alleged weaponization of justice.We'll discuss this topic and others in this episode of Crossroads.Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

Sports and culture news kept the momentum going, starting with reports that players on the Chicago Sky were quietly relieved after Angel Reese was traded to the Atlanta Dream, with anonymous insiders describing lingering locker-room tension during her time in Chicago. See omnystudio.com/listener for privacy information.

Things got heated fast on The Rickey Smiley Morning Show as the crew tackled President Donald Trump’s refusal to apologize to Pope Leo XIV after blasting him over the Iran conflict and posting — then deleting — an AI image that appeared to depict Trump as Jesus. Trump insists the image was meant to show him “as a doctor,” a claim that sparked backlash from religious leaders and even some of his own supporters, turning the moment into a rare and messy public standoff between a sitting president and the Vatican. Sports and culture news kept the momentum going, starting with reports that players on the Chicago Sky were quietly relieved after Angel Reese was traded to the Atlanta Dream, with anonymous insiders describing lingering locker-room tension during her time in Chicago. Meanwhile, boxing legend Floyd “Money” Mayweather is facing renewed scrutiny after the IRS filed a $7.3 million federal tax lien, adding fuel to speculation that his recent exhibition bouts may be driven by cash-flow issues rather than competition. Rounding out the episode, fans were stunned when New Edition failed to make the Rock & Roll Hall of Fame Class of 2026 — despite winning the fan vote — reigniting debate over how the Hall values R&B and Black legacy artists, with even fellow inductees publicly calling the snub unfair. Website: https://www.urban1podcasts.com/rickey-smiley-morning-show See omnystudio.com/listener for privacy information.

Wisconsin's athletic department is going to look much different moving forward with the departure of Chris McIntosh. Zach and Jesse discuss the move of McIntosh to the Big Ten office, his legacy at Wisconsin, the impact of the move on football coach Luke Fickell, the man taking over as interim AD Marcus Sedberry and much more.See omnystudio.com/listener for privacy information.

In this main stage message from the 2025 Rooted Conference, Jim Davis walks through Acts 1:6–11, highlighting the Church's clear and compelling mission. Drawing key observations from the text, he equips and encourages leaders to depend on the Spirit and faithfully join God in the work he is doing in the lives of students. Jim Davis is the Teaching Pastor at Orlando Grace Church (Acts 29) and a Council member of The Gospel Coalition. He holds an M.Div. from Reformed Theological Seminary and is the co-host of the As in Heaven podcast. Jim is also the co-author, with Michael Graham, of The Great Dechurching: Who's Leaving, Why Are They Going, and What Will It Take to Bring Them Back? He and his wife, Angela, speak for FamilyLife's Weekend to Remember marriage getaways and are parents to four children. As In Heaven Podcast by Jim Davis and Michael Aitcheson  The Great Dechurching: Who's Leaving, Why Are They Going, and What Will It Take to Bring Them Back? by Jim Davis and Michael Graham Rooted Resources:Teenagers Need the Church (Series) The Sunday Standoff: Discipling Teenagers Who Are Resisting Church by Katie Polski @therootedministry on Instagram for more updates  Register for Rooted 2026 Conference in Nashville Hosted by: Danny Kwon, author of Teenagers and Mental Health; Becca Heck, M. Div. from Reformed Theological Seminary; Isaiah Marshall, Rooted's Director of Ministry Development; and Josh Hussung, M. Div. in Pastor Studies from the Southern Baptist Theological Seminary.

Summary Retirement is often framed as a personal milestone—a moment when we step away from work and into freedom. But what if retirement isn't just about leaving a job? What if it's about navigating the deep relationships, identity shifts, and responsibilities we carry with us into what comes next? In this episode of On the Brink with Andi Simon, Andi speaks with Katherine Crewe, a Tech/Vistage chair in Canada, whose thoughtful approach to retirement reveals a powerful truth: transitions are not events—they are processes. The Myth of the Clean Exit: Leaving Work Isn't Leaving Relationships  Katherine's story challenges the idea that retirement is a simple, clean break. After decades in biomedical engineering and leadership, she moved into a role guiding CEOs and executives. Now, in her late sixties, she is not "done"—she is reflecting, recalibrating, and carefully designing her transition. What makes her journey so compelling is this: she is not just leaving a role—she is stepping away from a community. As a chair, Katherine has built deep, trusted relationships with the leaders she supports. When she began discussing retirement with them, the reactions were emotional and varied. Some encouraged her to stay. Others supported her decision. Many wanted one thing above all—a thoughtful, gradual transition. This wasn't about replacing a position. It was about preserving relationships, continuity, and trust. Retirement Is a Social Transition, Not Just a Personal One One of the most important insights from this conversation is that retirement impacts more than the individual. Katherine realized that stepping away from her role felt less like leaving a job—and more like leaving a network of meaningful human connections. The responsibility she feels is not just to herself, but to those who depend on her leadership. This is a critical lesson for organizations as well. As Andi notes, companies are facing a "senior tsunami"—a wave of experienced employees approaching retirement. Yet many organizations still treat retirement as an administrative process rather than a cultural transition. What Katherine is modeling is something different: Thoughtful succession planning Gradual transitions Honoring relationships and institutional knowledge This is where anthropology becomes powerful. It helps us see what is really happening beneath the surface. The Paradox of Choice in Retirement Unlike traditional roles, Katherine's position has no fixed retirement age. She could continue indefinitely. And that creates a new kind of challenge—the paradox of choice. If you can keep working… should you? Rather than choosing between "all or nothing," Katherine is exploring a more nuanced path: Reducing from three groups to one Staying engaged in meaningful work Creating more space for personal life and exploration This is a powerful reframe. Retirement doesn't have to be binary. It can be designed. Preparing Before You Retire Perhaps the most valuable insight Katherine offers is that she has already been preparing for retirement—without calling it that. She has: Structured her own time for years Built her identity around relationships, not titles Prioritized wellness as a daily practice Maintained independence in how she works and lives As a result, she does not fear the four common retirement pain points: Loss of identity Lack of daily structure Unclear purpose Disconnection from community Why? Because she has already built a life that isn't dependent on a job to provide those things. This is the real lesson: Retirement is not something you enter. It is something you prepare for—while you are still working. Couples, Conversations, and "Confetti Moments" Another powerful theme in this episode is how retirement impacts relationships at home. Katherine and her husband are both still active, both thinking about the future—but not always in structured ways. Instead, they have what she calls "confetti moments"—brief, scattered conversations about what retirement might look like. This is deeply relatable. Many couples don't sit down and design their future together. They talk in fragments. And yet, retirement will require alignment: How will we spend our time? Will we keep working? What does "being together" actually look like? Without intentional conversations, these differences can become points of tension. What This Means for You Katherine's journey reminds us that retirement is not an ending—it is a transition into a new stage of life that deserves as much thought and care as any career move. It is not about stopping. It is about redesigning. Key Takeaways Retirement is not a single event—it is a gradual, human transition. Leaving work often means leaving relationships, not just responsibilities. Organizations must treat retirement as a cultural and strategic issue, not just HR process. The best retirement transitions are designed, not abrupt. Preparing early—by building identity, structure, purpose, and community—makes all the difference. Couples need intentional conversations about what retirement will look like together. You don't have to stop working—you can redefine how you work. Learn more about Katherine Crewe: Katherine's profile: linkedin.com/in/katherinecrewe Connect with me: Join my Substack Newsletter Rethink Retirement Website: www.simonassociates.net Book Website: www.andisimon.com Email: info@simonassociates.net Learn more about our books here: Rethink: Smashing the Myths of Women in Business Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success On the Brink: A Fresh Lens to Take Your Business to New Heights Now--it is time to share our new book with you! Rethink Retirement: It's Not The End--It's the Beginning of What's Next Out on Amazon and WalMart, and in your local bookseller and Rethink Retirement: The Workbook                 

Dave and Jenn reminisce about a situation from a few years ago where the company money box was left unattended. 

Candace Lynn Talmadge spent decades inside the most disciplined form of storytelling there is: journalism. Deadlines. Accuracy. Accountability. She wrote as a business reporter for major publications, trained to separate emotion from fact and deliver clean, verifiable truth. At the same time, she was quietly studying the emotional body, spirituality, and the unseen layers of human experience. Two parallel lives. One public. One private. Then grief fractured everything. She speaks with authority about: • Reinvention later in life • Healing through narrative • The psychology of grief • Leaving a long career to pursue calling • Why fiction can sometimes say what journalism cannot She does not romanticize pain. She analyzes it. Works with it. Shapes it into story. For hosts, she offers more than an author interview. She offers a conversation about how narrative reshapes identity — and how the stories we tell about our lives determine whether we remain trapped or transformed.

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

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What does the next generation of manufacturing ownership really look like? In this episode of MakingChips, we sit down with Mason Nicholas, a 21-year-old shop owner who's building his business one machine, one customer, and one sleepless night at a time. His journey didn't start with a formal apprenticeship or engineering degree. It started with motorcycles, model cars, a 3D printer, and a curiosity about how things are made. Mason walks through the unconventional path that led him into machining, from teaching himself CAD during COVID to interning in multiple shops while still in high school. Along the way, he learned programming, fixturing, production workflows, and the realities of shop life. That hands-on exposure eventually turned into entrepreneurial ambition, and before long he was running parts at night on a CNC knee mill, chasing work, and learning the business the hard way. The conversation dives deep into the realities of starting a shop young. Mason shares how he bootstrapped his first Haas, balanced customer work with learning, and navigated common early mistakes like chasing low-margin work and trying to be everything to everyone. The hosts also unpack the importance of niching down, building cash reserves, and choosing a long-term strategy instead of chasing short-term revenue. Looking ahead, Mason outlines his vision for building a specialized aerospace and defense shop, investing in five-axis capability, and eventually creating a talent pipeline to bring new people into manufacturing. It's an honest conversation about ambition, discipline, and what it takes to turn passion into a sustainable manufacturing business. Segments (0:00) Mason Nicholas and his unconventional path into manufacturing (3:54) Learning machining through high school programs and internships (6:52) Running parts at night, landing his first customers, and early job costing mistakes (9:57) Buying his first Haas and officially launching the business (11:33) Leaving his job and committing to entrepreneurship (14:45) Check out the Hennig WorkFlow Automated Pallet Delivery System (15:35) What his one-man shop looks like today (19:19) First IMTS experience and seeing the industry's scale (20:34) Head to the DN Solutions Manufacturing Without Limits event (21:33) Bootstrapping growth and reinvesting into tooling and equipment (23:14) Deciding when to buy the next machine (25:09) Paperless Parts is built for shops preparing for CMMC Level II  (26:58) One-man shop realities and five-year growth vision (29:10) Creating a future talent pipeline and second shop concept (31:31) Technology, certifications, and preparing for aerospace work (33:16) Lights-out machining and maximizing spindle uptime (36:44) Cash flow discipline and managing capital-intensive growth (42:49) Advice for new shop owners on niching down Resources mentioned on this episode Cherry Creek Innovation Campus Hennig WorkFlow Automated Pallet Delivery System Head to the DN Solutions Manufacturing Without Limits event Verdant Commercial Capital Paperless Parts is built for shops preparing for CMMC Level II  Nathan Bourgeois - Owner at Ouroboros Space and Defense Mace MFG Connect with Mason on LinkedIn   Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

You set up the systems, hired the support, and made the commitments - all sensible decisions at the time. But there's a point in many established businesses where the infrastructure quietly takes over, and you find yourself reactive, stretched, and not quite sure why. Anna Lundberg walks through four common examples - team members, open calendars, content commitments, and long-term clients - and shows you how to reclaim control without blowing everything up. Key takeaways When your team sets your priorities - The person you hired to handle something can gradually start deciding what matters most in your week - without either of you noticing it's happening. The open calendar problem - An unfiltered booking link made sense in year one. Leaving it unchanged into year four means you're still making early-stage decisions in a business that has grown well beyond that point. Content commitments that outlive their purpose - Posting every day or sending a weekly email builds momentum when you're starting out. But if that commitment is now driving your week regardless of results or relevance, it's worth questioning. Long-term clients and unspoken scope - When a working relationship becomes comfortable, it can quietly expand in ways that were never agreed. You're the expert - and you still get to set the terms. Take ten minutes to get a clearer picture of what's actually driving your business right now. The free solopreneur diagnostic is at onestepoutside.com/diagnostic - personalised report, specific next steps.

    MERCH: https://orchideight.com/collections/poorhammer TWITCH: https://www.twitch.tv/poorhammer PATREON: https://www.patreon.com/SolelySingleton   On this week's episode, Brad and Eric talk about being on Adepticon 2026 for the 11th Edition Reveal. Tune in to find out everything about  avoiding the Lord of the Rings section and meeting with fans and other content creators while pretending not to be yourself!   SHOW LINKS: Brad's Bsky: https://bsky.app/profile/drruler.bsky.social Eric's Bsky: https://bsky.app/profile/onekuosora.bsky.social   TIMESTAMPS: 00:00 Hello and Welcome 01:24 Just Go 03:04 Hitting the Road and Dinner 06:36 Milwaukee 07:38 The Beginning 11:45 Live Show 14:17 Attempt Number 1 to make Brad and Eric Cringe 15:46 Full Steam Ahead 23:14 Exploring the Exibition Hall 27:20 Leaving for Dinner 28:50 Golden Daemon 36:16 Meeting People 38:46 Walking around the Tournament 41:10 No Hall was Safe  41:56 Wasting Precious Minutes from Important People 44:07 Avoiding the Lord of the Rings Area 45:29 A Bunch of Other Games 50:06 "I don't really play warhammer" 51:58 We Are Old 53:51 We still play Magic 56:17 Army Showcase 59:15 Planning Next Time 01:04:17 Adeptus Titanicus, Cosplay 01:06:20 The Patrons were right (about Horus Heresy) 01:08:25 Kitbash Dark Mech 01:08:47 Arcade 01:10:58 Hey There, Don't Be Scared 01:12:49 Sounds Good 01:14:56 Alright Audio Audience   Contact Information: You can interact with Solely Singleton by joining the hosts on discord and Twitter to give input to improve the show. Feel free to email more detailed questions and suggestions to the show's email address.   Your Hosts: Brad (DrRuler) & Eric (OnekuoSora) Brad's Bsky: https://bsky.app/profile/drruler.bsky.social Eric's Bsky: https://bsky.app/profile/onekuosora.bsky.social Show Email: thepoorhammerpodcast@gmail.com Merch Website: http://www.poorhammer.com/ Edited by: Menino Berilio Show Mailing Address: PO Box 70893 Rochester Hills, MI 48307   Licensed Music Used By This Program: "Night Out" by LiQWYD CC BY "Thursday & Snow (Reprise)" by Blank & Kytt CC BY "First Class" by Peyruis CC BY "Funky Souls" by Amaria CC BY  

Seán's guest is concert pianist Fiachra Garvey, who despite growing up on a working farm, decided to swap the vet lifestyle to pursue music…He joins to discuss!

  4. The COVID-19 pandemic and severe lockdowns shattered public trust, triggering economic deflation and a burst real estate bubble. Municipalities now face extreme debt distress, leaving them unable to pay workers. Xi Jinping has prioritized surveillance and national security over economic restoration, signaling the dream's retreat. (4)1903

There's a moment every teacher hits… where you stop and think, "Can I really keep doing this?"   GET your tickets NOW! Spring "Is it Friday Yet" dates in 2026 are available NOW! This Thursday all new fall dates go on presale! Make sure to mark your cal! Don't miss out on the Bored Teachers Comedy Tour coming to a city near you! Tickets going fast: https://bit.ly/TODBTCT    PLUS book your hosts for a speaking event at your school: https://teacherspeakers.com/    Check out our MERCH! https://shop.boredteachers.com    Subscribe to our newsletter: https://www.beacons.ai/teachersoffdutypod   Send us a voice message: https://bit.ly/3UPAT5a    Listen to the podcast anywhere you stream your favorite shows:  Spotify: https://open.spotify.com/show/3hHNybdOJb7BOwe0eNE7z6?si=840ced6459274f98  Apple: https://podcasts.apple.com/us/podcast/teachers-off-duty/id1602160612  _________________________________   Teachers get your perks!! This episode is brought to you by:    Veracity | Go to veracityhealth.co and get 65% OFF using promo code: TOD   Cash App | Download the APP today and use CODE: Family10 at Sign-Up   Olive and June | Go To OliveandJune.com/TOD to get up to 20% OFF your first order _________________________________ This week on Teachers Off Duty, the crew gets real (and hilarious) about the reasons why teachers quit—and let's just say… nothing is off the table. From nightmare travel stories and tour announcements to the very real struggles happening inside classrooms, this conversation dives into burnout, lack of support, toxic work environments, and the emotional toll of teaching. The hosts unpack everything from unsupportive admin and difficult parent interactions to classroom management challenges and the overwhelming pressure placed on new teachers. But it's not all chaos. This episode also highlights what actually helps teachers stay: mentorship, strong systems, emotional intelligence, and having someone in your corner who gets it. If you've ever thought about quitting, already left the profession, or are just trying to survive the school year… this one is for you. Listen now & don't forget to subscribe!  Follow your hosts:  Briana Richardson @HonestTeacherVibes  Albraden Hills @atxhills Ms. M @ms.m_closet Follow us on all platforms @TeachersOffDutyPodcast To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/TeachersOffDuty _________________________________ Teachers Off Duty - A Bored Teachers©️ Podcast

Tom Clarkson is joined by former F1 driver Jolyon Palmer and IndyCar race winner James Hinchcliffe to discuss the news that Max Verstappen's race engineer, GianPiero Lambiase, will leave Red Bull Racing in 2028 and join McLaren as their Chief Racing Officer.What does Lambiase's departure mean for Red Bull? How will it affect Verstappen's future at the team? And what will GP bring to McLaren?Plus, the guys are joined by McLaren's Technical Director of Performance, Mark Temple, who says Mercedes are 'beatable' in 2026 and tells us about the upgrade work being done at the factory before the Miami GP.THIS EPISODE IS SPONSORED BY:Saily: Get an exclusive 15% discount on your first Saily data plans. Use code F1nation at checkout. Download Saily app or go to to saily.com/f1nation

As she prepared to leave her home in Portland, the atmosphere inside seemed to shift. What had once been manageable became harder to ignore the emptier the house got—lights refusing to stay on, an overwhelming sense of heaviness, and strange things appearing in places they shouldn't.Being alone only made it worse.By the final days, it was enough to push her out entirely, choosing not to spend her last night there at all. Leaving felt like the right decision—especially after what was later discovered inside the house.But in her new home, things felt different. Lighter. Safer. At least at first.Because not long after settling in, something small—but unmistakable—started happening again. And it left her wondering if whatever she experienced was ever tied to the house at all… or if it had something to do with her.#realghoststories #paranormal #hauntedhouse #trueghoststory #paranormalactivity #ghoststories #unexplained #supernatural #haunting #scarystoriesLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

What if the way we've designed our cities… is quietly making us sick, disconnected, and alone? In this deeply thought-provoking conversation, Darin sits down with Tony Cho, visionary developer and pioneer of regenerative placemaking, to explore how our built environments shape everything from our mental health to our sense of belonging. From his unconventional upbringing on a spiritual commune to transforming Miami's urban core, Tony shares a powerful perspective on what's broken in modern society, and how we can redesign it. This episode dives into the collapse of true community, the hidden dangers of suburban life, and the urgent need to move beyond sustainability into true regeneration, where nature, culture, and human connection are at the center of how we build the future. What You'll Learn Why modern cities are fueling a global loneliness epidemic The difference between sustainability and true regeneration How urban design directly impacts your mental and physical health The three pillars of regenerative placemaking: nature, community, culture Why suburbia may be the "American nightmare" How community is more important than biohacking for longevity The role of nature in healing stress, anxiety, and disconnection Why scaling cities isn't the answer: local design is How "third spaces" are disappearing and why they matter The future of cities built for human connection instead of profit Chapters 00:00:03 – Opening: creating a roadmap to a SuperLife 00:00:32 – Sponsor: Fatty15 and the importance of cellular health 00:01:03 – The discovery of C15 and why it matters for longevity 00:02:12 – How cellular health impacts energy, aging, and metabolism 00:03:16 – Why C15 may be a missing nutrient in modern diets 00:04:06 – Returning to the episode 00:04:14 – Introducing Tony Cho and regenerative placemaking 00:04:43 – Tony's origin story: growing up on a spiritual commune 00:05:09 – The three pillars: nature, community, and culture 00:05:28 – Designing cities for connection and human health 00:06:11 – Starting the conversation: shared passions and purpose 00:06:34 – Life in an interfaith ashram and communal upbringing 00:07:14 – The impact of early spiritual discipline 00:08:17 – Leaving home and rebelling against structure 00:09:21 – The psychology of restriction and rebellion 00:10:18 – Discovering identity through independence 00:11:09 – Moving to Argentina and radical life shifts 00:11:51 – Being cut off and forced into self-reliance 00:12:42 – Entering nightlife and building a new life 00:13:11 – Transition into real estate and entrepreneurship 00:13:33 – Discovering the creative class in Miami 00:14:23 – Building community through urban revitalization 00:15:16 – Wynwood's rise and global cultural impact 00:15:37 – When success destroys authenticity 00:16:06 – The birth of regenerative placemaking 00:16:44 – The design flaw of modern cities 00:17:11 – Tribal living vs modern urban life 00:18:20 – Can community be designed at scale? 00:19:15 – Why regeneration is not about scaling 00:20:10 – The importance of place-based design 00:20:56 – The 15-minute city concept 00:21:17 – How cities became optimized for cars 00:21:49 – Sponsor: non-toxic cookware and health impacts 00:23:35 – The "American nightmare" of suburbia 00:24:07 – How built environments damage health 00:24:29 – Predatory design: food deserts and systemic issues 00:24:50 – Rethinking capitalism and city design 00:25:10 – Lessons from walkable, human-centered cities 00:25:34 – Technology, AI, and increasing disconnection 00:25:57 – Loneliness as a public health crisis 00:26:25 – The disappearance of "third places" 00:26:52 – Why community is the foundation of longevity 00:27:14 – The biology of human connection 00:27:43 – Nature access and urban happiness 00:28:27 – Redesigning cities for connection 00:28:49 – Regenerative housing and future living models 00:29:14 – Innovations in materials and construction 00:29:37 – Learning from nature's intelligence 00:29:56 – The failure of modern systems 00:30:30 – Regeneration beyond politics and ideology 00:30:51 – Measuring a city by health, not profit 00:31:12 – Infrastructure that fosters community 00:31:34 – The healing power of nature 00:32:00 – Forest bathing and science-backed wellness 00:32:22 – Reconnecting with biodiversity 00:32:57 – Awareness vs destruction of ecosystems 00:33:30 – Living in harmony with nature 00:34:10 – Closing reflections on designing a better future 01:13:00 – Final thoughts and outro     Thank You to Our Sponsors Our Place: Toxic-free, durable cookware that supports healthy cooking. Get 40% off sitewide at fromourplace.com/DARIN. Fatty15: Get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/DARIN and using code DARIN at checkout.     Join the SuperLife Community Get Darin's deeper wellness breakdowns — beyond social media restrictions: Weekly voice notes Ingredient deep dives Wellness challenges Energy + consciousness tools Community accountability Extended episodes Join for $7.49/month → https://patreon.com/darinolien     Find More from Tony Cho Website: tony-cho.com Discover Tony's Future of Cities Instagram: @tonycho YouTube: Watch Now Buy Tony's New Book: Generation Regeneration     Find More from Darin Olien: Instagram: @darinolien Podcast: SuperLife Podcast Website: superlife.com Book: Fatal Conveniences New Show: Roadmap to Happiness     Key Takeaway "We didn't just accidentally become disconnected—we designed it that way. And if we designed it, we can redesign it. The future of human health, happiness, and longevity isn't in more technology—it's in rebuilding connection: to each other, to our communities, and to nature itself."  

The Clam Blaster. Gia facetimed Rover over an email. Did JLR get his EKG test results back? Duji made JLR lunch. Schoolboard member Keith Ervin was in trouble for making a lewd gesture in front of students. Gen Z are now carrying around anxiety bags. Charlie carries loose prescription pills in his pocket. The Predator of Seville. Duji had a talk with Gia and her friends about not leaving your friends behind. Who is the dumbest person on the show? Leaving drinks on electronic equipment. Rover says Duji is obsessed with someone. Does Duji listen to the show? Video of the quadruple amputee, accused of killing someone, snorting something and shooting a gun. A Canadian lawmaker is being ridiculed for casually dropping a new acronym ‘MMIWG2SLGBTQQIA+.' Charlie got a response from the BMV about his license plate. 

Who is the dumbest person on the show? Leaving drinks on electronic equipment. Rover says Duji is obsessed with someone. 

Evan Roberts and Shaun Morash react to the Yankees releasing Rule 5 pick Cade Winquest before he could make his MLB debut. They also discuss fans missing historic moments, including a caller who left David Cone's perfect game early to attend a dinner. 01:00 - Yankees Release Cade Winquest 05:03 - Shaun Morash and David Wells 10:24 - Leaving David Cone's Perfect Game

In this clip from Journo Insight, Dan is joined by The Liverpool Echo's Paul Gorst to discuss what the future could hold for Andy Robertson once he leaves Liverpool at the end of the season. Hosted on Acast. See acast.com/privacy for more information.

Explore Your Attachment Style With Thais Gibson. Access All Courses, Live Webinars & Q&As Free for 7 Days (Enough Time to Complete a Full Course). Limited-time Access: https://attachment.personaldevelopmentschool.com/dream-life?utm_source=podcast&utm_campaign=7-day-trial&utm_medium=organic&utm_content=pod-08-10-25&el=podcast Have you ever wondered if there are clear signs a Dismissive Avoidant may be preparing to leave a relationship? Dismissive Avoidants often struggle with vulnerability, emotional expression, and discussing difficult relationship dynamics. When they begin to emotionally withdraw, certain patterns tend to appear before they actually exit the relationship. Episode Summary In this episode, Thais Gibson breaks down five major warning signs that a Dismissive Avoidant may be pulling away for good and what you can do to protect your boundaries, communicate effectively, and honor your needs in the process. Thais explains how these behaviors often reflect underlying attachment wounds rather than malicious intent but that doesn't mean you should ignore the signs. Understanding these patterns allows you to respond with clarity instead of confusion and decide what's healthiest for you moving forward. Key Takeaways ✔️ Why disappearing for days at a time can signal emotional withdrawal ✔️ How shutting down difficult conversations indicates relationship disengagement ✔️ Why canceling plans repeatedly can show declining investment ✔️ How closed or one-word responses block emotional intimacy ✔️ Why a lack of vulnerability often means the person isn't ready for deeper connection ✔️ How honoring your own needs and boundaries is essential when these patterns appear Timestamps 00:00 – Are There Signs a Dismissive Avoidant Is About to Leave a Relationship? 00:30 – 1. It Becomes a Pattern for Them to Go Missing for Periods of Time 02:50 – 2. They're Unwilling to Do the Work or Discuss Challenging Topics 03:46 – 3. They Cancel Plans More Than They Make Them 04:23 – 7-Day Trial + Core Wound Bundle Promo 05:26 – 4. They Consistently Give Closed Answers 06:49 – 5. They Don't Open Up or Express Vulnerability 07:19 – Like, Share, and Subscribe Meet the Host Thais Gibson is the founder of The Personal Development School and a world leader in attachment theory. With a Ph.D. and over a dozen certifications, she's helped more than 70,000 people reprogram their subconscious and build thriving relationships. Helpful Resources:

As she prepared to leave her home in Portland, the atmosphere inside seemed to shift. What had once been manageable became harder to ignore the emptier the house got—lights refusing to stay on, an overwhelming sense of heaviness, and strange things appearing in places they shouldn't.Being alone only made it worse.By the final days, it was enough to push her out entirely, choosing not to spend her last night there at all. Leaving felt like the right decision—especially after what was later discovered inside the house.But in her new home, things felt different. Lighter. Safer. At least at first.Because not long after settling in, something small—but unmistakable—started happening again. And it left her wondering if whatever she experienced was ever tied to the house at all… or if it had something to do with her.#realghoststories #paranormal #hauntedhouse #trueghoststory #paranormalactivity #ghoststories #unexplained #supernatural #haunting #scarystoriesLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

An electric vehicle battery that charges almost as fast as it takes to fill a tank of gas. And it might soon be available almost everywhere except the United States. How China's superfast-charging electric vehicles are leaving American EV's in the dust. *** Thank you for listening. Help power On Point by making a donation here: wbur.org/giveonpoint

In more damaging for Red Bull, Max Verstappen's race engineer Gianpiero Lambiase is set to join McLaren in a multimillion pound deal.We react to some seismic news that could signal the start of some big changes across the F1 paddock over the next few seasons. So what could GP be tasked with at McLaren? And what does this mean for Max Verstappen? There are only a handful of tickets left for our Delusion Tour live shows in Australia next month! Most are sold out, grab any last tickets here: https://tix.to/p1ausSign up to our Patreon for just $5 a month! You'll get access to every P1 episode ad-free, extended versions of every 2026 race review, early access to tickets & merch, and access to our Discord server where you can chat with us and other F1 fans! Click here to sign up now: http://patreon.com/mattp1tommyFollow us on socials! You can find us on Twitter, Instagram, Twitch, YouTube and TikTok. Hosted on Acast. See acast.com/privacy for more information.

Segments Trail Trivia Trek Propaganda: The 11 Most Dangerous Animals on the Appalachian Trail by Katie Jackson QOTD: How do you feel about someone hiking a triple crown trail while leaving a young kid at home? Triple Crown of people at the gym Mail Bag 5 Star Review   Check out our sound guy @my_boy_pauly/ and his coffee. Sign up for the Trek's newsletter Leave us a voicemail! Subscribe to this podcast on iTunes (and please leave us a review)!  Find us on Spotify, Stitcher, and Google Play. Support us on Patreon to get bonus content. Advertise on Backpacker Radio Follow The Trek, Chaunce, Badger, and Trail Correspondents on Instagram. Follow Backpacker Radio, The Trek and Chaunce on YouTube. Follow Backpacker Radio on Tik Tok.  Our theme song is Walking Slow by Animal Years. A super big thank you to our Chuck Norris Award winner(s) from Patreon: Alex and Misty with NavigatorsCrafting, Alex Kindle, Andrew, Austen McDaniel, Bill Jensen, Brad & Blair Thirteen Adventures, Bret Mullins aka Cruizy, Bryan Alsop, Carl Lobstah Houde, Christopher Marshburn, Clint Sitler, Coach from Marion Outdoors, Eric Casper, Erik Hofmann, Ethan Harwell, Gillian Daniels, Greg Knight, Greg Martin, Griffin Haywood, Hailey Buckingham, Jackson Storm, Jason Kiser, Jason "The Snail" Snailer, Luke Netjes, Matty in AZ, Patrick Cianciolo, Randy Sutherland, Rebecca Brave, Rural Juror, Sawyer Products, The Saint Louis Shaman, Timothy Hahn, Tracy 'Trigger' Fawns A big thank you to our Cinnamon Connection Champions from Patreon: Bells, Benjy Lowry, Bonnie Ackerman, Brett Vandiver, Chris Pyle, David Neal, Dcnerdlet, Denise Krekeler, Jack Greene, Jak Hoquat, Jeanie, Jeanne Latshaw, Lloyd Harris, Merle Watkins, Peter, Quenten Jones, Ruth S, Salt Stain, Sloan Alberhasky, and Tyler Powers.

Whitney Leavitt teases her exit from Secret Lives of Mormon Wives, while filming is on-pause. Sydney Sweeney's feud with Zendaya is connected to Tom Holland?! And Lauren Conrad sits down with Kristin Cavallari for a Laguna Beach reunion! Right now, DripDrop is offering podcast listeners 20% off your first order. Go tohttps://dripdrop.com/ and use promo code NOFILTERBecome a Member of No Filter: ALL ACCESS: https://allaccess.supercast.com/ Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPiBook a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIbDisclaimer: The views expressed in this video, on this YouTube Channel, and on No Filter with Zack Peter are for entertainment purposes only. All content is protected under Fair Use Rights.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Jennifer Roback Morse, founder and president of the Ruth Institute, joins Trending with Timmerie Episode Guide Can kids have talk therapy without government interference? SCOTUS rules against conversion therapy ban in Colorado (2:28) Leaving pride behind, research published (19:17) Priest in Lebanon shows the impact on a war-torn nation and the hope we have in God (34:57) 8 Planned Parenthood’s close this year – are abortion numbers really going up? (43:26) Resources mentioned: https://ruthinstitute.org/ Supreme Court Counseling Freedom Case https://ruthinstitute.org/counseling-freedom-for-all/ruth-institute-applauds-supreme-court-counseling-freedom-case/ Peer reviewed research: Sex Differences in Reported Effectiveness and Psychosocial Effects of Therapy-Assisted Sexual Orientation Change https://www.cureus.com/articles/461628-sex-differences-in-reported-effectiveness-and-psychosocial-effects-of-therapy-assisted-sexual-orientation-change#!/ Leaving Pride Behind: https://39617564.hs-sites.com/en/fighting-to-leave-pride-behind Study – No one is born gay. There is no gay gene https://www.science.org/doi/10.1126/science.aat7693

In this episode, Justin sits down with a pediatric neurology nurse practitioner who is looking to start a women's health and HRT practice without leaving her full-time job.They walk through the key decisions behind getting started, including choosing a niche in a saturated market, why focusing locally can outperform a fully telemedicine approach, and how to keep startup costs low with just a few thousand dollars.The conversation also breaks down a smarter growth strategy built on patience, community engagement, and adding just one to two new patients per week. No ads, no overwhelm, just consistent progress that can realistically grow into a ten to twenty thousand dollar per month practice over time.For anyone trying to build something on the side without taking big risks or burning out, this episode shows what that path can actually look like.

Hour 1 How often are athletic transfers the players decision Real Golf Radio host Brian Taylor What You May Have Missed Hour 2 Morgan Scalley transitioning into head coach Why doesn't Big 12 commissioner Brett Yormark understand that holy war should be last game of the season misc Hour 3 Cole Bagley, Utah Mammoth insider for KSL Sports NBA title vs Stanley Cup title Sly is ready for Utah Football

How often are athletic transfers the players decision Real Golf Radio host Brian Taylor What You May Have Missed

Beat Migs! We go straight to the comments, and boy do people have a bone to pick.

Host Steve Turk welcomes Elizabeth Mullins, President of Evermore Hospitality, who shares her start as a server at New Hampshire's Lobster Shack and her first hotel role as a Ritz-Carlton Boston management trainee after earning hospitality and business degrees. Mullins recounts being inspired by a childhood Ritz-Carlton visit, spending 28 years with Ritz-Carlton as it grew from six to 99 hotels, opening multiple properties across Asia, becoming a GM multiple times, and later an area vice president. Recruited to Disney, she led global hotel development, renovations, premium services, and worked through the pandemic including the NBA bubble. She then helped open New York's Fifth Avenue Hotel as COO/Managing Director, learning independent distribution and culture measurement, before joining Evermore after being approached for her luxury-and-scale expertise. She describes Evermore's “togetherness” concept, Conrad Orlando anchor, 300+ villas/homes around an 8-acre Crystal Lagoon, extensive amenities, and plans for growth, and closes with career advice on courage, speaking up, integrity, and hospitality as a lifestyle.This episode was brought to you by Lodgify. Use code THM60. 00:00 Podcast Welcome00:33 Sponsor Lodgify01:38 Meet Elizabeth Mullins02:00 First Hospitality Jobs03:17 Ritz Spark at Five05:44 Ritz Career Growth09:28 Asia Expat Adventure17:04 Service Lessons Abroad18:54 Leaving for Disney21:07 Disney Hotels Role23:15 Frictionless Check In26:14 Independent Hotel Leap28:36 Independent Hotel Wins29:17 No SOP Reality Check30:06 Distribution Lessons30:54 Agritourism Marketing Advice32:34 Building Culture Systems35:25 Evermore Recruitment Story38:49 Togetherness Travel Concept42:27 Evermore Scale and Amenities44:53 Service Model Evolution46:50 Growth Plans and Year Three49:23 Advice to Younger Self53:58 Wrap Up and Sponsor

Most investors believe that holding cash during uncertain markets is the safest move. If you stay liquid, wait for clarity, and avoid risk, you'll be in a better position when opportunities come… or at least that's the thinking. But what many high-income earners and investors don't realize is that cash sitting idle isn't neutral; it's losing ground. Between inflation, taxes, and missed opportunities, capital that isn't deployed is quietly working against you. And while many investors are pulling back, the most sophisticated capital, family offices, institutions, and sovereign funds, are doing the opposite. They're moving into hard assets. In this episode of Money School Elite, I sit down with Ben Reinberg, CEO of Alliance Consolidated Group of Companies and a commercial real estate investor who has built a $500M+ portfolio from scratch, to break down how experienced operators think about capital in uncertain environments. In this conversation, we discuss why holding cash can actually erode wealth instead of protecting it, how the ability to hold through market cycles creates asymmetric opportunities, and why forced sellers are beginning to create some of the best buying conditions we've seen in years. We also break down an often-overlooked asset class, medical property, and why its demand profile makes it one of the most durable plays in real estate, even during periods of economic disruption.   About the Guest  Ben Reinberg is an iconic investor, mentor, educator, and philanthropist, CEO of Alliance Consolidated Group of Companies, and the author of "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle". Ben built a $500M+ Commercial Real Estate empire from scratch with billions in transactions. He is a respected authority on commercial real estate acquisition and investment, as well as the development and structuring of transactions. He is well-versed in 1031 exchanges and assessing the needs of investment capital. Ben brings value to the deal process through his ability to build trust quickly, raise equity efficiently, solve problems, and bridge the gap between buyers and sellers. Ben has authored and published numerous articles about the trade. Before establishing Alliance, Ben founded Hillcrest Trading, Ltd., a national acquisition and management firm. He began acquiring commercial real estate assets in the 1990s. His professional affiliations include the American Institute of Certified Public Accountants (AICPA), the Illinois Society of Certified Public Accountants (ICPA), the Urban Land Institute (ULI), and the International Council of Shopping Centers (ICSC). He is also a Charter Member of the International Association of Commercial Real Estate Professionals. To learn more, visit https://www.alliancecgc.com/ or https://www.benreinberg.com/.  Buy "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle" here.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

This week, we wrapped up our five-episode series all about social life and friendship for neurodivergent homeschooled kiddos. Episode 311 digs into a topic many families experience but often don't have a name for: social hangovers—the aftermath of social time when kids (and adults!) crash, resist future invitations, or need days to recover. Key Takeaways Social hangovers are the nervous system's delayed response to social effort, especially common in neurodivergent kids who mask, self-monitor, and process a ton during interactions. Signs include: Irritability or emotional explosions Withdrawal/shutdown Physical complaints (headaches, stomachaches) Refusal of future plans Reframe the behavior: This isn't poor behavior—it's delayed processing, not avoidance. Build recovery plans BEFORE burnout happens! Include: Predictable ending times and visual cues Leaving while things are still going well Immediate decompression time (quiet, silence, snacks, audiobooks) Regulation through movement or sensory comfort No reflection or questions until after decompression Proactive Strategies Know your child's social energy window—how long they can handle interactions before going into yellow or red zones. Support with lighter academic loads or more autonomy the day after social events. Avoid stacking multiple social events together; buffer days matter! Teach kids to name their feelings and advocate for breaks without shame. The Learner's Lab & Friendship Pathways If you want more strategies, real-time classes, and a supportive community, check out the Learner's Lab! Plus, grab our Friendship Pathways Handout (linked above!). The Learner's Lab is open to families using charter/ESA funds—reach out if you'd like us to become an approved vendor for your organization.   Links and Resources from Today's Episode Thank you to our sponsors: CTC Math – Flexible, affordable math for the whole family! Curiosity Post – A Snail Mail Club for kids – Real mail; Real life! The Learner's Lab – Online community for families homeschooling gifted/2e & neurodivergent kiddos! The Lab: An Online Community for Families Homeschooling Neurodivergent Kiddos The Homeschool Advantage: A Child-Focused Approach to Raising Lifelong Learners Raising Resilient Sons: A Boy Mom's Guide to Building a Strong, Confident, and Emotionally Intelligent Family The Anxiety Toolkit Sensory Strategy Toolkit | Quick Regulation Activities for Home Affirmation Cards for Anxious Kids Nurturing Neurodivergent Friendships: Practical Tips for Parents and Kids RLL #42: What It's Like to be Homeschooled with Best Friends Molly and Ella Teaching Kids About Being a Good Friend with Help From Great Books and Netflix Teaching Kids to Befriend Others 5 Tips for Helping Gifted Children Make Friends Navigating Sensory Overload: Actionable Strategies for Kids in Loud Environments The Not-So Friendly Friend: How to Set Boundaries for Healthy Friendships Social Skills Activities for Kids Growing Friendships: A Kids' Guide to Making and Keeping Friends Have You Filled a Bucket Today?: A Guide to Daily Happiness for Kids One Big Heart: A Celebration of Being More Alike than Different Life Skills for Kids: Unlocking a World of Possibilities through Friendship, Decision-Making, Cooking, Achieving a Success Mindset, Time-Management, Budgeting, and More  Empathy Workbook for Kids: 50 Activities to Learn About Kindness, Compassion, and Other People's Feelings  

Making it easy for customers to leave might sound like the wrong move, but it's actually a sign of confidence. This week, Jason Fried and David Heinemeier Hansson talk about why removing friction, especially on the way out, builds more trust. They get into cancellation flows, keeping customers by choice instead of pressure, and why people are more likely to share their positive experience when you don't make it hard to go.Key Takeaways00:11 – Leaving should be just as easy as signing up03:23 – Offering a pause instead of forcing a full cancellation11:00 – Simplifying the buying experience from the start14:07 – How transparency builds long-term loyalty17:05 – Creating experiences that make people want to come backLinks and ResourcesRecord a video question for the podcastWatch The REWORK podcast on YouTubeBasecamp is the no-nonsense project management system. Sign up for free at Basecamp.comHEY is a fresh take on email. Sign up for a 30-day free trial at HEY.comFizzy is a modern spin on kanban. Sign up for free at fizzy.doBooks by 37signalsJason Fried on XDavid Heinemeier Hansson on X

Here's the link to our Bandcamp pageAnd here's the link to our Ko-fi pageHello, listeners! It's us again. Hopefully you listened to our last message. If you didn't, it was about how we're taking all our shows off Spotify.And now, that time has come: as of today, we've requested their removal. Spotify makes the process as opaque as possible, so we don't have a definitive date for when they will disappear, but it is imminent.So, where can you find us once we're off Spotify?Where are we putting our brand new season of Mockery Manor?Are we making sure there's always a free way to listen to it?Firstly, yes, there are many ways to listen to our shows for free. They will continue to exist on almost all podcast platforms - except Spotify. The free versions include adverts, although we try to keep those to a minimum.If you'd prefer to listen to Mockery without adverts - and who wouldn't - then the most ethical way to do that is one we've just launched, where for only £3.49, you can purchase a whole season of Mockery on Bandcamp. And if you're wondering why we chose £3.49, that's because that was the average cost of a CD single in around 2002, when I started buying music.All our scripted podcasts are now available on Bandcamp, and they sound much better. The audio quality of a podcast is higher there than on any other online platform. MUCH higher. That's because podcast platforms use compressed MP3s, while on Bandcamp, everything is CD-quality, high definition lossless audio.And unlike other online services, Bandcamp pays artists fairly. In a world that seems to be trying to destroy creators, services like Bandcamp means we can keep going.Also, Bandcamp's profits DO NOT go into the pockets of mass murderers! What a world, where that's even a thing.We've always given our monthly supporters free access to our music albums on Bandcamp, but going forward, they'll also have access to unlimited plays of our podcasts in high definition, so join us over on Ko-fi for that delicious perk.Mockery Manor season 4 is due out this summer, so please do listen to it for free on any other podcast platform, or for £3.49 on Bandcamp.See you on the other side!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Clint Bruce, former NFL linebacker who walked away from the league to become a Navy SEAL, completed multiple combat deployments, and now leads Trident Response Group while co-founding Carry The Load to honor our fallen, sits down for a powerful conversation on leadership and resilience. From the intensity of competing in the NFL to the unforgiving demands of SEAL training, Clint shares hard-earned lessons on conviction, discipline, and doing what's difficult when it matters most. This is a raw, unfiltered discussion about mindset, purpose, and what it truly takes to earn your place among the elite. Learn more about your ad choices. Visit podcastchoices.com/adchoices

(SPOILER) Your Daily Roundup covers you will know today that thing I did, Taylor Frankie Paul's day in court and she says she's leaving the Mormon church, Unwell's Winter Games was all over the place, Temptation Island season 2, & Taylor & Travis wedding misinformation.   Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI) Ads: ZocDoc – Click on https://zocdoc.com/RealitySteve to find and instantly book a top rated doctor today.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Omar Aikens joins Locked In with Ian Bick to share his story of growing up in Trenton, New Jersey, getting into trouble at a young age, and eventually building a large-scale cocaine distribution operation that would land him in federal prison for over 17 years. What started as small decisions in the streets quickly escalated into running a network that moved multi-kilogram quantities of cocaine, involving couriers, shipments, and multiple people working under him before federal investigators shut everything down. In this episode, Omar breaks down how fast money, status, and the street lifestyle pulled him deeper into the game, and how it all came crashing down after a long-term investigation led to his arrest and sentencing. He also opens up about surviving time in some of the toughest federal penitentiaries in the country, including USP Big Sandy and USP Canaan, sharing the reality of prison politics, violence, and the mental battles that come with doing serious time. _____________________________________________ #PrisonStories #DrugEmpire #FederalPrison #GangLife #TrueCrimeStories #ExConvict #StreetLife #LockedInPodcast _____________________________________________ Connect with Omar Aikens: Instagram: https://www.instagram.com/mromaraikens/?hl=en Buy his book: https://www.amazon.com/Operation-Capital-City-Aikens-Story-ebook/dp/B0CW1F9T2L _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 Violent Beginning & Early Life Story 02:00 Growing Up in Trenton, New Jersey 05:40 Troubled Childhood & First Crimes 10:10 Getting Into the Drug Game 15:15 Building a Drug Operation 20:15 Rising in the Streets: Expansion & Risk 26:30 Drug Bust, Losses & Getting Caught 32:00 Arrest, Charges & Legal System 37:00 Sentenced to 17 Years in Prison 41:00 Life in Federal Prison (Big Sandy) & Violence 49:00 Surviving Prison: Daily Life & Hustles 55:00 Gang Politics & Transfer to USP Canaan 01:03:00 Family, Loss & Long-Term Prison Impact 01:09:15 Leaving the Street Life Behind 01:15:00 Life After Prison & Reentry Struggles 01:19:00 Leaving Gangs & Giving Back 01:22:00 Redemption, Lessons & Advice _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

CODY is BACK! And wants to talk about the elite eight...... ---------- TalkSports is LIVE Weekdays from 8-11 a.m. on Fox Sports Knoxville/ Fanrun Radio. Check Out our Socials: "@FOXSportsKnox" on Twitter/X, "FanrunSports" on Instagram and Youtube Jon- @Jon__Reed on "X" Cody- @Cody__McClure on "X" Sam- @_beard11 on "X" Bubba- @BrandonShown on "X"

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith challenges the belief that all debt is bad and reframes it as a tool for building wealth when used intentionally.  He contrasts destructive consumer debt with productive investment debt, especially in real estate, and explains how inflation, long-term fixed-rate loans, and rental income can work together to grow net worth.  Keith explores the mindset shift from prioritizing safety and being debt-free to pursuing growth through leverage, highlights the opportunity cost of avoiding debt, and offers practical guidelines for using borrowing rationally rather than emotionally.  He also shows how modern economies and many wealthy individuals rely on strategic debt, positioning it as a key part of a more intentional, asset-focused version of the American Dream. Episode Page: GetRichEducation.com/600 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   welcome to GRE. I'm your host. Keith weinholder, there's bad debt, good debt and great debt. Are you using debt wisely, and are you ensuring that you stay in debt? Because debt is the American dream today, on get rich education milestone episode 600   Corey Coates  0:23   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 in 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  1:06   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:40   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  1:56   Welcome to GRE from Kennewick, Washington at Kennebunkport, Maine and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. Yes, America's favorite slack jawed mammal on a microphone has got his act back on track, for your listening pleasure, since 2014 This is our 600th wealth building week in a row, you've been misled, not maliciously, not even intentionally, but somewhere along the way, a really expensive idea got planted inside your head, and it was once planted inside my head, that debt is bad, just blanketly bad, that the goal is to be debt free, that owing money to somebody else is something to escape as fast as possible. And look, I get it, if your mindset is in the old middle class consumer credit world like mine was for much of my life, debt feels heavy, it feels like risk, it feels like obligation, but the people telling you to avoid debt, they're the same people that never built much wealth now a reliance on 22% APR, credit card debt just To pay basic living expenses, because it's the only way that you could do it, merely making the minimum monthly payment that right there is the road to ruin. Why? Well, because the interest rate is high, because you have to pay it back yourself, and because it's unsecured, meaning that there's no collateral, and at the same time, the people quietly getting rich, what are they doing? They're using debt every single day. So debt is not the enemy, it's just the tool, and like any tool, it can build a house, or it can smash your thumb if you miss the nail. Well today we're going to separate the two, because if you understand this one concept, then you stop playing defense financially and start going on offense. In fact, I'll go further. Debt isn't the opposite of the American Dream used correctly. Debt is the American dream. Now, my turning point was really fueled when I made my first ever home, that $295,000 blue four Plex Building Two decades ago, with just my three and a half percent down payment. That meant that 96 and a half percent was borrowed. That's debt, and that fueled everything for me, and got the ball rolling on using that seminal four Plex to leverage even more debt and more property with 1031 exchanges and cash out refinances debt made that American dream free. Me because I could not have afforded $295,000 all cash back then. Now, a guest that we had on the show last year and the owner of a commercial lending company, Hannah Hannan, she recently talked about the virtues of debt. I met Hannah because we were both faculty members on last year's real estate guys Investor Summit at sea cruise. Well, Hannah went on a different cruise and saw in Jamaica that there were all these vacant and uncompleted houses just sort of weirdly stuck at different stages of construction. She asked the tour guide, why are these houses all abandoned? And and the tour guide answered, we don't have loans here in Jamaica. People have to work make money and then start the build, and then the build pauses while they make more money, and then they have to construct the next phase of the build as they go and go back to making more money like that. I mean, sheesh, that's awful. Can you imagine if you had to build a home or a rental property for yourself that way? Well, back here in the US, access to debt is what allows people to build wealth faster, especially in real estate, you can use other people's money control large assets, pay less in taxes and compound off a much smaller amount of capital. That's the difference. Debt availability is really good in the US compared to other nations, and that's the emphasis on the American part of today's episode. Debt is the American dream. Now, when it comes to the big misunderstanding, most people think that debt is really just one thing. They just lump it all like it's all bad, credit cards, car loans, student loans, mortgages. A lot of people, they really do. They just still throw it all into one mental bucket that's sort of labeled da, avoid that at all costs. I'm telling you, no way you cannot do that. I mean, this is like saying food is bad because candy exists. No, there's junk food and there's fuel. It's the same with debt. Consumer debt is a wealth killer. Investment debt is a wealth creator, and if you don't know the difference well, you end up avoiding the very thing that could move your life forward. Here's another way to think about it, debt doesn't make you poor. Using debt poorly makes you poor.    Keith Weinhold  7:36   In real estate, inflation is quietly paying your mortgage, even if you never made a principal payment at all. When you really understand this, it almost sounds too good to be true. Most people think inflation is just rising prices, and it is that, but they miss the other side of the equation. Inflation also shrinks debt, something I've been talking about for more than 10 years here. If you have a 30 year fixed rate mortgage, you're paying back that loan with future dollars that are worth less, and meanwhile, rents tend to rise, wages tend to rise, and asset values tend to rise, but your mortgage, it stays fixed. Inflation can't touch it, and that means that over time, your payment gets easier and easier to make. Oh, and then if you've got a tenant in place as well, oh, they're the one sending in the check for everything. And inflation is not just happening to you. It's now working for you. If you've got, say, a $500,000 mortgage loan, and inflation is 3% well, then inflation enriched you by $15,000 every single year. That's $1,250 a month just on this 500k mortgage loan. And if you've got an investment property rented out. You've even got the tenant paying down, oh, maybe $400 in monthly principal for you on the property, plus this $1,250 in inflation profiting, plus $100 of cash flow. This is $1,750 in monthly benefit before we've even added in your tax benefits and the appreciation potential. What made this all happen debt is what made it all a reality for you. When we talk about why the middle class fears debt, yeah, there is a mindset divide here. On one side, it simply says, get out of debt, stay out of debt and avoid risk. On the other we ask, How can I use that to acquire assets? So it's really like the first group is focused on safety and the second group is focused on growth, and after a while you have to ask bigger X. Potential questions like, do you want to live a life of safety, or do you want to live a life of growth? Now, I'm not knocking discipline, but there is a hidden cost to avoiding debt entirely. It's called opportunity cost. When you pay all cash, oh, well, then you lose leverage, you lose scalability, you lose tax advantages, and you often lose time. Hey, just like I would have by postponing my first four Plex purchase for, say, five plus years until I could have saved up all that money by myself. That's why playing it safe is often the riskiest move, because while you're sitting on the sidelines, inflation and rising prices are still in the game, and you've taken yourself out of the game. When we talk about the American dream, look, America was built on debt leverage.    Keith Weinhold  11:01   Zoom out for a second. This isn't just about you and me. America itself was built on debt. Railroads were financed with borrowed money that helped Cornelius Vanderbilt build his railroad empire in the 1800s in the 1900s highways were funded through government debt. Today, our entire suburbs are built on mortgages. Leverage didn't break the system. It built the system. So it's kind of ironic that today people are told the safest move is to avoid the very mechanism that built this modern economy that you and I are living inside every day. Debt is how things get done. Now, practically, yes, debt can absolutely wreck you if it's used poorly. So we think about some simple guardrails then favor fixed rate debt over variable match long term debt with long term assets, and you want to chiefly borrow for cash flowing or appreciating assets, and also stress test your deals assume that things won't go perfectly. So this certainly is not about being reckless. It's about being intentional. Debt should serve you, not the other way around. And now notice how I said to chiefly use debt for cash flowing or appreciating assets. I didn't say solely because you'll remember how last year, I talked to you about how I bought a new car for myself and financed as much as I was allowed, almost 100% debt. I had to make, like, a two or 3k down payment on the car because it was a special order. And once they start, you know, building it and customizing it for me, well, then they're at risk if they don't have a deposit, all right? Well, I found a way to make this car debt pretty good debt. Oh, and you might be thinking, oh, yeah, of course. Well, if you use it for business, you probably get some deductions that way. Oh, no, no. Business use totally a personal car, almost leveraged to the hilt, but it's not bad debt, and I'll tell you why. By the way, this isn't some high end exotic car. It's a BMW x3 SUV. It was like 53 or 55k and now how could I possibly call this good debt? Nope, I'm not running it out to other people or anything like that, because here, unlike income property, where a tenant pays it down, I do have to make these car payments myself. Well, in a word, the reason I did it this way is for the arbitrage. I got a fixed 3.99% interest rate for five years. Call it 4% Oh, I am almost certainly going to beat that by investing those dollars in real estate. So the 55k almost that I did not have to allocate to a car. Oh, well, that amount is enough for a down payment and closing costs on a cash flowing rental. That's probably going to pay me five ways with a total ROI that I expect to be multiples above the 4% interest rate, but the car's value depreciates. What about that debt on a depreciating asset? A car depreciates at the same rate whether it's bought all cash or all debt. It doesn't matter. Here is the better question, why tie up that much in a depreciating asset? 55k if I had paid all cash which I could have, I would have foregone returns and paid opportunity cost. Now, arbitraging car debt this way. That's not great debt. I don't put it in that category like real estate that pays for itself is and that is mostly because no tenant services. My personal car debt. For me, this car debt is just good debt, not great debt. Now how about some more guardrails? How can you keep yourself from going nuts and just trying to arbitrage everything. How would you know if you've gone too far? I mean, any person that's savvy with personal finance has to ask themselves a question, and that is always, what is the risk associated with this investment, or what is the risk associated with this debt, right? Because I already talked about the upsides of car debt this way. Well, the first risk is that I don't successfully arbitrage it. Rather than having the 55k sunk into the car, I have it invested elsewhere than say, it doesn't achieve a greater than 4% return. Well, the risk of that happening is small, maybe about a 10% chance. What's another big risk of leveraging car debt this way? Well, it's if you cannot make the monthly payment, which for me is about $1,050 a month, 1050 that's a comfortable payment. For me, if you can't make the payment that's called, you got yourself into an over leveraged condition. But for me, these risks are manageable. And this is applied thinking. This is clear eyed thinking, rational decision making, a level headed approach, a long term approach. It's common sense investing. Have a strategy and then invest your plan, not your emotions. Look paying off debt. That's often an emotional response, like when the debt is at a low interest rate and yes, understanding that debt is the American dream. Okay, this is still a pretty unconventional understanding, for sure, but it is pragmatism over emotions. When emotions go up, intelligence goes down. You can see that in a lot of places in your life. I can too. I think that a lot of the emotion happened to us when we were really young, perhaps age 12. And maybe you're saying, Oh, well, grandpa, he would not have arranged his finances this way. Grandpa wouldn't have leveraged all this real estate debt, and he sure wouldn't have thought that arbitraging car debt is savvy, but your grandpa was born before 1971 back when the dollar was still gold, backed if you're older now, your grandpa might have even been affected by living through the 1930s Great Depression. Our world does not work that way. Today, the dollar is no longer tethered to gold. It's just borrowed and lent into existence, and another Great Depression that's actually really unlikely. In the 1930s President Herbert Hoover refused to provide government support to prop up the economy, and sheesh today, any crisis is like immediately propped up by us printing a ton of dollars and then giving them out, just like covid stimulus checks and mortgage loan forbearance and all of that debt, debt, debt. Now I don't think that all of that is good, but you got to acknowledge that that's the world we live in today. If you're debt averse, because grandpa always said to stay out of debt, well then you know what you can take solace. Take comfort in the fact that today, ultimately, grandpa would have understood that the world changed, and he would want what is best for you.    Keith Weinhold  19:03   I'm get rich education. Host Keith Weinhold, this week, we're talking about why debt is the American dream on episode 600 with guidance that's practical, contrarian investor first and non emotional. Contrarian does not mean reckless. And by the way, just because something is mainstream, well, that doesn't necessarily make it bad, but in this case with debt, it often does. Here we're kind of back onto the old Mark Twain quote. Go out on a limb, that's where the fruit is. This is independent thinking for real world investors. It's where theory meets what actually works, and I'll discuss some specific actionable guidance for you before we're done today. But this is largely about ignoring the masses and following a clear incentive path. And what do the masses do? Now they kind of all gel together and get pumped up when they follow these debt free call in radio shows where the host advises the caller to always desperately retire debt at all costs. They'll even tell you work a second and a third job. You got to postpone vacations. They'll tell you to defer your life and go into lifestyle debt. Then in order to desperately stay out of financial debt, we're never going to get that time back. So just chill, take it easy with a lot of debt types inflation and sometimes tenants both passively pay it back for you. I mean, on these debt free call in radio shows, almost every time they give guidance, I kind of chuckle when I listen to this stuff. I sort of quietly ask myself, how would that path ever build wealth like when people are advised to retire 3% mortgage debt? Why dreadful sounding guidance like this happens is because it keeps irresponsible people from going over a cliff. That's all it serves to do. I mean, you're here listening to me because you're good with money, or you desire to be good with money and not give all your money away to creditors used intelligently. Debt isn't reckless. It's a tool, and it's one that lets you scale without trading every hour of your life for dollars. It seems to me that some of the groups of people that need to hear the debt is the American Dream message. They tend to be in a few groups. I need to be careful here, but I'm talking about groups like people with less financial education, engineers and women. It doesn't mean that people with less financial education are any less intelligent. And then when it comes to the engineering profession, you know that type of person tends to be unusually conservative, and I've worked for engineering firms in the past, so I wouldn't know this is somewhat of a paradox. Since engineers are the calculating types, you would think that they would have leverage and arbitrage figured out, and then women are a group that they tend to be more debt averse than most, and this is not a knock on women at all. In fact, women generally do a lot of things better than men do. I mean, I could go on and on there, like emotional intelligence and social awareness and relationship building and even multitasking and sticking to a plan, but I know couples where the husband does understand that it does not make a lick of financial sense to pay off the home, but he did it because the wife wants it so badly she deems that as security. But yeah, there was a time in my life where I thought that being millions of dollars in debt. Oh, that just sounded awful, like I thought that after graduating from college, but Oh, position well, with leverage in real estate, after a long time, you might get yourself where you're increasing your debt half a million bucks every year, but right alongside it, you're increasing your asset value 1 million bucks every year. Well, right there, since net worth is assets minus debt, you're increasing your net worth by a half million bucks a year because you have a big amount to leverage, because you've been a real estate investor for a long time. For example, debt made that American dream possible. But, yeah, the needling engineer type that's conventional and is like still the guy faithfully contributing to their 401 k which is locked up until their age, 59 and a half and keeps paying down debt. You know, they're the ones showing up to their engineering job in a pair of Dockers pants. I'm telling you, people that wear Dockers are not good debtors. I mean, do they still make stupid Dockers? I've got to look that up. Do those pants have pleats at the front or not? I don't even know.    Speaker 2  24:16   Levi's 100% cotton Dockers. If you're not wearing Dockers, you're just wearing pants.   Keith Weinhold  24:21   Oh jeez. And yeah, they still do make Dockers. I mean, the stereotypical needling engineer that dutifully contributes to a 401, K, he's got to have a complete dresser drawer full of stupid Dockers, no doubt.   Keith Weinhold  24:37   Hey, I can make a little fun of them, because I spent a lot of time in that world. I think it makes sense to contribute to a 401 K, by the way, but only up to the employer match amount. That way it's tax advantaged, and you're using other people's money one to one, but above that, oh, every dollar you lock inside a 401 k is $1 that can No. Longer leverage other people's money. That means no debt, no leverage, and a steep opportunity cost. Now to get a holistic picture here, we need to think through what are some reasons to pay down debt, or to pay off debt and completely retire it? Because there are some good reasons for doing that. I talked about credit cards earlier, student loan debt is also not good debt, because you must pay that debt, not somebody else, like a tenant, and now their interest rates are not as high as credit cards, but there's also no collateral with student loans. Maybe you could arbitrage it, like I did with my car, but student loan debt can't be discharged in bankruptcy. Like most other debt types, can you also want to pay off debt when an interest rate is working against you and not for you. Also, if you want to buy more property, but you need to lower your DTI in order to qualify with your mortgage loan underwriter that is lower your debt to income ratio before you take out another mortgage. Oh, well, that would be a reason, for example, to pay off a car loan. Another reason to pay off debt is if you're approaching retirement and you expect a decrease in your income, then you would want to revisit that here at GRE you might be structuring things to increase your income once you retire. That's its own discussion. They are some of the reasons to pay off debt. It makes sense sometimes, and with all those reasons, we've kept emotions out of it. But otherwise, yeah, bring on the good debt. Debt and loan are my two favorite four letter words the wealthiest people have the most debt. I've discussed that reality before on previous episodes, and I gave a lot of examples, like with Mark Zuckerberg and also with Jay Z and Beyonce, so I won't go into all that again. So therefore, let me discuss how, not only do the wealthiest people have the most debt, I mean, for example, I'm wealthier than I've ever been, and I simultaneously have the most debt that I've ever had. Not surprisingly, the wealthiest world nations have the most debt too. Let's look at it from the perspective of household debt as a percent of GDP. There are about 200 world nations, and sure enough, the US ranks pretty high 13th in this measure of household debt, the top 10 nations, counting them down from 10 to one is and look, they're all wealthy nations that have the most debt, Sweden, Denmark, Hong Kong, Norway, South Korea. Up to fifth is New Zealand. And then you've got the Netherlands at fourth, and then Canada, Australia, and number one is the nation that you probably think of as the most wealthy and stable in the entire world. It is Switzerland. They are number one in household debt per GDP, and then the poorest of the 200 world nations have the least debt and the highest interest rates and the least stable currencies. But see, the wealthy nations can borrow the most. These countries can borrow trillions because investors trust them. Their economies are productive and they can service the payments just like you see, say that I know you've got $5 million in debt. Just say that's true. All right. Well, now that's an interesting thing that I know about you, and now I can automatically deduce something else about you. I know that you must be pretty credit worthy for anyone to have even extended you that much credit. So a high debt level is a mark of creditworthiness. The richest people have the most debt and the richest nations have the most debt too. Debt is a contract with time. Here's the deeper idea, debt lets you pull future resources into today. It's financial time travel. But there is a catch. You need to deploy that capital into something that grows faster than the cost of borrowing. If you do that, you win. If you don't, then you just brought future problems into the present debt is time travel, and most people just waste the trip. That's why debt has a bad name. Debt Free surely is not the goal. But you know, even hitting a certain net worth or income mark is not an end goal. Their financial goal. But not the end. The end goal is genuinely living the best version of you. And in fact, let's listen to this together for a minute or two from the parallel truth. Are you really living? It's a little oversimplified, but this is quite a bit more substantive than civil engineers wearing Levi's 100% cotton Dockers. Don't be startled by the sound effects.   Speaker 3  30:23   If you really think working 50 years at a job you hate just to get a few years of so called Freedom makes sense, then I'm sorry to say, you have been brainwashed. This is not living. It's a trap. From the moment you're born, the system starts programming you. School doesn't teach you to think. It teaches you to obey, to sit still, follow orders and wait for permission. Then comes work, where your best years, your energy, your creativity, all get drained away to build someone else's dream. And they call that success. Retirement is the prize they dangle in front of you. Work hard now, they say, so one day you can finally rest. But by the time that day comes, your body's worn out, your fire's gone, and all those dreams you once had, they faded into routine. You traded your time for money and then your health to earn it back. And here's the cruel truth, that's not an accident. It's designed that way, a system built to keep you tired, broke and too distracted to notice what's really happening. They want you so busy surviving that you forget to actually live the scam is simple. They steal your youth when it's full of energy, passion and possibility, and then hand you back your freedom when you're too weak to use it. And the worst part, most people defend the very system that's enslaving them. They call it normal life. They laugh at anyone who questions it, because it's easier to believe the lie than to face the truth. But nothing about this is normal. It's just comfortable enough to stop you from revolting. They give you weekends, holidays and Netflix tiny doses of relief so you don't question the cage you live in. You were born to create, to explore, to build your own path, not to clock in and out until the day you die. The world doesn't need more workers. It needs more thinkers, more dreamers, more people brave enough to walk away from the illusion. So ask yourself, are you really living or just slowly dying inside a system that calls itself freedom?   Speaker 4  31:59   Yeah. Are you truly living or just existing with GRE plan, you can often retire in five to 10 years. So no debt isn't something to fear. It's something to understand. Because the difference between being stuck financially and moving forward faster than you thought possible, it often comes down to one thing, whether you avoid debt or you learn to use it, the American dream is not about being debt free. It's more about owning assets, leveraging wisely, and then letting time tenants and inflation do some of the heavy lifting for you, all of your life. Debt is the American dream, and I've got more on this for you today, coming up here on the show in future, GRE episodes, Rich Dad, Poor Dad. Author Robert Kiyosaki publicly states that he has $1.4 billion in debt, billion with a B, not because he's irresponsible, because he understands leverage and debt often entails a tax advantage with it too. Later this spring, Robert Kiyosaki returns to the show with me here. He's been one of our more recurrent guests over time. Next week, Redfin chief economist, Darrell fairweather, PhD, sits down with me here. Also a lot of other prominent guests lined up, like real estate influencer thatch Wynn will be here with me and lots of other great episodes coming up, including a lot of content that you wouldn't expect to hear that can make a real difference in your life. Be sure to follow or subscribe to the show and also tell a friend about the show today could very well be one of these paradigm shifting episodes that you want to share on social media. More straight ahead you're listening to debt is the American Dream On get rich education.    Keith Weinhold  33:50   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns. It's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day housing, senior communities, essential properties, things tied to living and not trends, their freedom notes. Offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy, so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call. At freedom familyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  35:12   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, slash GRE, that's F, l, O, C, K, homes.com/gre   Tom Wheelwright  35:50   This is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  36:02   You welcome back to get rich Education. I'm your host, Keith Weinhold its debt is the American dream on episode 600 now, just before taking the mic, about 30 minutes ago, I ate some raspberries. I looked at the package to see where they were grown Mexico. Someone in Mexico supplied them. There was a supply chain. Those raspberries were planted in rows with trellising grown, and then they need to be hand picked. They're highly perishable, and they need to be shipped a long way fast, therefore, I just simply had the exorbitant privilege of buying those raspberries from a lit refrigerated store shelf with my dollars. Well, effectively, a bank lent me those dollars. Most of my debt is real estate debt, where time, tenants and inflation service my debt for me. I mean, what an amazing world. I'm just here to control those flows, those flows of money between Mexican raspberry growers, for my property managers that manage my tenants and for the banks that provide the loan. I mean, gosh, debt really is the American dream. It made raspberries appear. This is a contrarian way of thinking, but it's calculated. It's unconventional, but it's first principles thinking, rather than emotions from grandpa. You know something I've said it before that. Hey, I'm proud that throughout my life I have never ridden the government dole. Once. Never have I done that. I've never accepted a subsidy, no covid stimulus checks. I've never accepted an unemployment check in my life, even though I could have been eligible one time. I'm proud of that, because otherwise taxpayers would have had to work for me and pay for me. But in a way, since so many of my mortgage loans are subsidized, I am riding the government dole to get 30 year mortgage money at a 7% interest rate, that's also tax deductible, so therefore maybe I'm paying 5% I mean, that's a really good deal, and the government backing makes banks want to provide lucrative loans to us, just like the FHA program that I personally began with on a fourplex, and Just like these first 10 Fannie, Mae, Freddie Mac backed investor loans that you can get for one to four unit properties. So although it's indirect, it's really like a government handout that we're getting. And what can we do when we can do our part in giving back by doing good in the world and providing good housing, not being slumlords. That's the path that we're on here and the future, it's always going to feel uncertain. Always, I'm encouraging you. You've got to plant the tree, you've got to take the leap. You've got to choose to believe that there is something worth building toward optimism is not about ignoring what's broken in the world. It's about deciding anyway to keep on going, and you're probably doing a lot right, working hard, earning, well, a little saving, but more investing. There's a problem that very few people talk about, labor income is taxed heavily, asset income is treated better, and then 401, K income, well, that doesn't even start arriving until you're about 60 or 70. And really, this is why a lot of high performing. Professionals eventually hit a wall. They make more money, but they don't feel much freer. The people who break out usually do one thing differently. They stop relying on one income source, and they start building income producing assets, and that's where I come in, you already know how to do things like budget and save. We all learned that quite a long time ago, and we've all heard the usual advice about maxing out your 41k waiting for years and just sort of hoping, and that might build a nest egg like that usually does turn into something, and it's better than nothing. It usually won't build outsized returns or freedom, though, and surely not while you're young enough to fully enjoy it. So get rich education is about a different path, building durable wealth through income, property, financial education and smarter leverage, certainly not day trading, certainly not get rich quick, just a proven framework for escaping overdependence on a paycheck, a generationally proven vehicle here and here you get the mindset and tactics to make generationally proven real estate a life changing investment because most people are Climbing the wrong mountain. A lot of smart professionals spend 30 years trying to save their way to freedom, but wealth usually grows faster when you own assets that produce income appreciate over time, offer tax advantages and can be financed with long term debt. That's how you get a lot of them. That is the difference between working hard and building leverage. So you can't out earn a broken wealth strategy.    Keith Weinhold  41:47   Most people earn income, but few people own income. You own the source of the income when you have rental property. A lot of smart professionals really learn that too late, Your salary alone doesn't even have the ability to make you wealthy, since wealth is freedom. So we use an abundance mentality to invest in assets that are scarce. Most people use a scarcity mentality, leading with loss aversion, to invest in something that's abundant and plentiful. So there is always opportunity out there in a market as big and as broad as the US residential real estate market. Where is that opportunity today? Well, I'll tell you that list prices rose 2% year over year to a median of 423k that's in the four week period that just ended according to Redfin. But notice I said that was the list price buyers haggled them down to about 389k that's really significant. It's really proof that sellers are willing to bend in today's markets. So therefore in most markets, I'm encouraging you to make an offer that's below the list price, as we know, available for sale property that is still scarce in a lot of the Northeast and Midwest, and supply is abundant in Texas and Florida. But here's the thing, although Florida inventory is higher now than it was pre pandemic over that six or seven year stretch, here's the new trend, and it's worthwhile to identify inflection points like this on a year over year basis. So looking at only the past one year, Florida inventory is now down 4% it's no longer going up. So it's possible that we've reached the peak of this new Florida supply. We could have hit the turning point now, and yet, builders are still buying down your mortgage rate to about 4% giving you that long term fixed rate on new builds. So I'm telling you, that's where the opportunity is now. As far as the rent side, nationally, I don't see rents going up significantly anytime soon, and that's for most everything, single family rentals all the way up to huge apartment buildings. Rent increases in the single family to fourplex space, they showed some real promise last spring, a year ago, but as we got into summer, they didn't really materialize. Now, although you get rent increases historically, it's never wise to buy and just assume that that is automatic. But I want to underscore the fact that you really should not count on a rent increase over the next year. So that's new builds.    Keith Weinhold  44:53   The other area ripe for opportunity. Here is burrs, buy, renovate, rent. Finance and repeat properties and among GRE listeners, burrs have been our most popular investment over the past two years. Yeah, Memphis, Little Rock, Birmingham and Kansas City, they are our hottest and most reliable burr markets, and we've really improved our burr operations since first helping you with those found the secret sauce, as far as helping you get the right provider that doesn't leave you hanging on the renovation, burrs are also good for you if you have fewer investment resources than what new build properties require. GRE coaching calls and our coaching program are completely free to help you with this now. Of course, our investment coaches listen to all the GRE episodes like you. They're aligned, and we have family guys that work here, like our investment coach Naresh. He has a wife and kids, and he's just the type of person that you want to see succeed in life and that you would enjoy working with over time. And we are all investors ourselves here, every one of us, so it doesn't hurt to set up a 30 minute consultation call to see if our GRE coaching program is right for you, some good, abundantly minded council for free. Our investment coaches have access to the best deals in real time. That alone is worth a connection. We're in constant communication with the top national providers in the best markets. So there might be an incentive today, like, say, a builder rate by down to 4% that didn't exist just two days ago or yesterday. So this is why investors are succeeding. They're also succeeding thanks to our recent Florida online live event. Connect with us to watch the replay and get in on these deals yourself. In fact, we have never seen so many incentives and price reductions in GRE history as we are right now. And see, here's the thing, when it comes to you making an offer below the list price, because our coaches work with other GRE listeners, they're going to know how low that seller is really going to go for you on that price. So that negotiation is some key information that you can learn. We have access to more than 200 deals nationwide, so contact our real estate investment coaches to get access and these burr properties can give you a super high ROI, because sometimes you can end up with as little as 10k or 20k of equity invested in an income producing single family rental. That's probably going to be 20k or more. And then with some of these developers that overbuilt in places like Florida, make that offer use good debt and take advantage of that interest rate in the fours. Buy low. And the reason that these new build deals provide positive income is because you buy at a lower purchase price overall, and you get a fixed rate in the fours, and you get a low property insurance rate, since they are new build properties, you don't need urgency right now so much as you need clarity, because there are opportunities, real ones, whether it's burrs in the Midwest or builder incentives in places like Florida, where you can Get those 4% rates. But the challenge isn't finding opportunity, it's knowing which one is right for you, and that's exactly what we help you do. And since our coaches are active investors themselves, they follow the same markets and the same providers and the same strategies that we talk about here on the show. So instead of guessing or going back and forth in emails, just get clear book, a quick call. It's free, it's 30 minutes, and it could save you months or years of going in the wrong direction. You can do that@greinvestmentcoach.com that's greinvestmentcoach.com the best thing you can do next is get aligned with the right opportunity. I'll chat with you in a week. I'm Keith Weinhold. Don't quit your Daydream.   Speaker 3  49:35   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 the.   Speaker 4  50:03   The preceding program was brought to you by your home for wealth, building, get richeducation.com

1. Trump’s National Address on Iran Trump reiterates that preventing Iran from obtaining nuclear weapons has been his position since 2015 and frames current military action as the fulfillment of long‑standing commitments. The address emphasizes: Short‑term, intense military action (“weeks, not months or years”). Severe degradation of Iran’s military capabilities (navy destroyed, air force crippled, missile and drone capacity reduced). Justification for action based on Iran’s rapid missile production, terrorism sponsorship, and threats to the U.S. and allies. The speakers argue that Iran is currently weaker than ever and that acting now avoids greater future casualties. 2. Republican Debate and Public Support There is NO “civil war” among Republicans over Iran, citing polling they claim shows overwhelming GOP support. Critics—especially conservative podcasters opposing intervention—are labeled as marginal and unrepresentative. Trump is framed as consistent rather than opportunistic in his Iran policy. 3. Pam Bondi’s Departure as Attorney General Pam Bondi’s removal as Attorney General is presented as a routine cabinet change rather than a scandal. She is praised for: Crime reduction Gang and cartel enforcement Terrorism prosecutions Lower murder and overdose rates The discussion emphasizes the difficulty of leading DOJ and frames her tenure as honorable and successful. Todd Blanche is named acting Attorney General, with Lee Zeldin mentioned as a possible permanent successor. 4. Department of Justice Leadership Context The DOJ is uniquely challenging due to entrenched bureaucracy (“deep state”). Past Attorneys General argue that conflict and burnout are common in the role. Ted Cruz reflects personally on why he chose to remain in the Senate rather than pursue the AG position. 5. ActBlue Investigation and Legal Risk The most consequential domestic political issue discussed is a New York Times report on ActBlue. According to the transcript: ActBlue may have misled Congress about how it vetted donations for foreign money. Internal legal memos warn of potential criminal liability, including “knowing and willful” violations. Several senior ActBlue officials reportedly resigned following the revelation. A DOJ investigation could: Shut down ActBlue entirely Severely weaken Democratic fundraising before midterm elections ActBlue’s central role in Democratic campaigns and the scale of money involved (billions of dollars) is noted Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.