Podcasts about Luck

Unlock the full potential of astrology in New Moon Alignment at ⁠https://www.quietmindastrology.com/newmoonAstrocartography is the study of how your birth chart shifts when you move to a new location. While your core birth planets remain the same, your rising sign and house placements change, altering how those energies manifest in your daily life. In this episode, I explain why there is no "perfect" place for everyone—only the right place for your current intention. We discuss the mechanics of relocation charts, why vertical movement differs from horizontal movement, and how to use astrology as a support for your intuition rather than a replacement for it. Whether you are seeking spiritual growth, career success, or a hospitable place for a family, understanding your local chart helps you navigate potential obstacles and harness unique opportunities.QUOTES“When you move, you get a different birth chart. It changes where all the planets are, all the signs, all the houses are now different in your chart.” “Astrology is best as a support to your intuition, not a replacement for your intuition.” “Life is like a Google search. It all starts with: how can I help you today? Google is useless until you put in the query. What do you want to cultivate?” “Your main birth chart is always primary—it's 80 to 90% of the equation. Astrocartography is like 10 to 20%.” TIMESTAMPS00:00 How Moving Changes Your Birth Chart 01:14 The First Step: Using a Location-Based Chart Calculator 01:38 The Mechanics of Rising Signs and Horizons 03:08 Interpreting Your New Ascendant Themes 04:58 Why House Placements Are the Biggest Shift 05:31 Identifying Your Intention: Wealth, Health, or Family? 07:45 The Impact of Stelliums in Relocation 09:30 Trusting Your Soul's Calling Over a "Rough" Chart 10:31 Vertical vs. Horizontal Movement on the Globe 11:03 The Role of Transits, Dashas, and Timing 13:57 Planetary Placements: Rahu, Ketu, and Ego Death 14:34 Favorable Placements for Luck and Hard Work 15:40 Power Placements for Career and Success 17:32 Why Two People Have Opposite Experiences in One Place KEYWORDSVedic astrology, astrocartography, relocation chart, Jyotish, rising sign, house placements, spiritual growth, career success, Rahu, Ketu, Jupiter transits.FREE RESOURCES⭐️ Free Birth Chart: ⁠http://www.quietmindastrology.com/freebirthchart⁠⭐️ Free Horoscopes: ⁠https://www.quietmindastrology.com/freehoroscopes⁠⭐️ Podcast (Spotify, Apple, etc): ⁠https://creators.spotify.com/pod/profile/astrology⁠⭐️ Instagram: ⁠http://www.instagram.com/quietmindastrology⁠⭐️ YouTube: ⁠http://www.quietmindastrology.com/youtube⁠WORK WITH ME⭐️ Book a Reading: ⁠http://www.quietmindastrology.com/reading⁠⭐️ Decode Your Chart: ⁠https://www.quietmindastrology.com/101⁠⭐️ Mentorship: ⁠http://www.quietmindastrology.com/mentorship⁠QUIETMIND YOGA⭐️ Yoga Teacher Training Podcast: ⁠https://www.anchor.fm/yogateachertraining⁠NEXT STEP⭐️ Unlock the full potential of astrology in New Moon Alignment at ⁠⁠https://www.quietmindastrology.com/newmoon⁠

In this episode, Drs. Milt Lowder and Gabby Caviedes explore the psychology of luck and challenge the idea that it's purely chance. They unpack how mindset, perception, and preparation shape the opportunities we notice (and the ones we miss). From reframing setbacks to staying open and ready, they share practical ways to create your own "lucky breaks." If you've ever felt stuck or overlooked, this conversation will help you shift your perspective and take back control of your path.

It's March, and that means the Bros are back at it again with their annual bracket from the world of movies. This year it's a two parter, with the first 13 Bond films facing off to see which is the greatest and has slept with the most women in the name of England! Here is the bracket: https://docs.google.com/spreadsheets/d/1ARYiijzq59emMgLzvxIrn1uVtcXfsxFU5D6kGE0Fhhw/edit?gid=0#gid=0Keep up with the Bros at: https://broforcesquad.com/https://www.youtube.com/channel/UCCJML5XTKJl2OzGW5HWrJhwhttps://itunes.apple.com/us/podcast/bro-force-squad/id1158546516?mt=2https://twitter.com/BroForceSquadStuff discussed in this episode includes The Luck of the Irish, Scream 7, His & Hers, Rooster, Anaconda, Shrinking S3, Scrubs, The Wrong Paris, Primate, Friends Like These, Teenage Mutant Ninja Turtles II: Secret of the Ooze, A Knight of the Seven Kingdoms, Zootopia 2, The Housemaid

Does David Protein have 2x the calories & 6x the fat?... We jumped into this nutritional class Action lawsuit.How many AI agents can you use?... The limit does exist, and so does AI Brain Fry. The Little League Industrial Complex has Dick's stock at record highs… because it makes bold bets.Plus, do stocks get lucky on St. Patrick's Day?... We jumped into the numbers, leprechaun-style.$DKS $SPY $LUCKBuy tickets to The IPO Tour (our In-Person Offering) TODAYNew York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): SOLD OUTGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.

 It's St. Patrick's day this week. A day that commemorates the Saint and the arrival of Christianity in Ireland. It celebrates the Irish  luck that people feel because of the occasion. And while many of us count our blessings, and have moments of feeling lucky, there are those who seem absolutely cursed. Some people just can't catch a break, and suffer through with a string of terrible luck. Is it just a coincidence? Or was something done to anger the spirits? Either way when death comes knocking, you better hope your luck hasn't run out.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Happy St. Patrick's Day, Hackeroos! This week, Axe and Heilemann are joined by one of the greatest Hacks in all the land, Amy Walter—publisher and editor-in-chief of the Cook Political Report with Amy Walter. The Hacks dive into Joe Kent's resignation, unpack the Iran war and its costs at home and abroad, check in on midterm kitchen table issues, take a look at today's Illinois primary, and so much more! Photo by Christopher Dilts/Bloomberg via Getty Images Learn more about your ad choices. Visit podcastchoices.com/adchoices

When the 2025 Los Angeles wildfires destroyed his home and neighborhood, scientist Christian Busch encountered the opposite of serendipity: "zemblanity," or bad luck by design. Drawing on more than a decade of scientific research, he explores how people can navigate unpredictability by adopting a serendipity mindset that transforms setbacks into unexpected new beginnings. He asks: What if good luck isn't random but can actually be cultivated?Learn more about our flagship conference happening this April at attend.ted.com/podcast Hosted on Acast. See acast.com/privacy for more information.

In this edition of Luck Of The Trendrish, Jack and special guest co-host Andrew Ti discuss Ireland being pissed at the US, Trump threatening to revoke press passes for… reporting the news, Chet Hanks finally making it back home, the death of Bibi?, groyper Joe Kent resigning over the war in Iran and much more!See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3948: James Altucher explores how much of our stress and unhappiness comes from trying to control others, or allowing them to control us. Drawing from painful personal experiences with money, relationships, and success, he explains that real freedom begins when you take responsibility for your inner world. His insights reveal how persistence, creativity, and personal health combine to create the “luck” that leads to a truly self-directed life. Read along with the original article(s) here: https://jamesaltucher.com/blog/do-you-control-your-life/ Quotes to ponder: "NOBODY will ever remember how you helped them. And you can't save anyone." "The key to freedom is Luck. But luck is not magic." "I'd rather be healthy than “right”." Episode references: The Law of Attraction: https://en.wikipedia.org/wiki/Law_of_attraction_(New_Thought) Learn more about your ad choices. Visit megaphone.fm/adchoices

Lauren's Little Bedtime Stories In the musical heart of the Glimmering Glen, a tiny field mouse named Finnegan lives in an old leather boot and dreams of the annual Shamrock Festival. But when the glen falls silent because Liam the Leprechaun has lost his magical Silver Whistle, the emerald magic begins to fade. Holding tight to a bit of "Luck-on-the-Go," Finnegan must navigate rushing brooks and giant fern forests to find the music and prove that you don't need to be big to have the heart of a giant. Every Lauren's Little Bedtime Story includes: Calming Relaxation: Gentle breathing exercises to help your body relax. Original Bedtime Lullaby: Wind-down time as Lauren sings you to sleep . A Full Original Bedtime Story: A whimsical story read aloud by Lauren.

Hour Two of the Good Morning Football Podcast begins with a look at the AFC North. Hosts Jamie Erdahl, Kyle Brandt, Manti Te'o, and Willie Colon share their opinions on Joe Burrow and the Bengals, Aaron Rodgers returning to the Steelers? They they discuss if Justin Fields could have a resurgence with the Kansas City Chiefs? Lastly, they play a Saint Patrick's Day inspired game called: Luck of the Draw.See omnystudio.com/listener for privacy information.

Luck, Lager, and Snake lead us to superstitions, holding your wee for a Wii, Lucky Charms marshmallows, regional beers, learning that Alaska and Hawaii don't have snakes, and more.New episodes every Tuesday.Editing by: Julia WD HarrisonTheme by: Arne Parrott Logo by: Casey BordenSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3948: James Altucher explores how much of our stress and unhappiness comes from trying to control others, or allowing them to control us. Drawing from painful personal experiences with money, relationships, and success, he explains that real freedom begins when you take responsibility for your inner world. His insights reveal how persistence, creativity, and personal health combine to create the “luck” that leads to a truly self-directed life. Read along with the original article(s) here: https://jamesaltucher.com/blog/do-you-control-your-life/ Quotes to ponder: "NOBODY will ever remember how you helped them. And you can't save anyone." "The key to freedom is Luck. But luck is not magic." "I'd rather be healthy than “right”." Episode references: The Law of Attraction: https://en.wikipedia.org/wiki/Law_of_attraction_(New_Thought) Learn more about your ad choices. Visit megaphone.fm/adchoices

Need new friends? Same. We break down real ways to meet people that don’t feel forced, plus the St. Patrick’s Day traditions that are actually American-made. Marcus is also thinking about joining The Traitors which raises a lot of questions, and we dive into the mindset shifts successful people use when things don’t go their way. Equal parts helpful and unhinged.See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3948: James Altucher explores how much of our stress and unhappiness comes from trying to control others, or allowing them to control us. Drawing from painful personal experiences with money, relationships, and success, he explains that real freedom begins when you take responsibility for your inner world. His insights reveal how persistence, creativity, and personal health combine to create the “luck” that leads to a truly self-directed life. Read along with the original article(s) here: https://jamesaltucher.com/blog/do-you-control-your-life/ Quotes to ponder: "NOBODY will ever remember how you helped them. And you can't save anyone." "The key to freedom is Luck. But luck is not magic." "I'd rather be healthy than “right”." Episode references: The Law of Attraction: https://en.wikipedia.org/wiki/Law_of_attraction_(New_Thought) Learn more about your ad choices. Visit megaphone.fm/adchoices

Luck would have it, it is a much quieter day ahead.

Weather Madness, The Big Dance, Luck o' the Irish, The Nose Knows, Artemis Update & Ding Dong Fish Doorbell! Sponsored today by ixl.com/kidnuz

Financial adviser Alex Luck (Everest Wealth) explains why cashflow is the most overlooked lever in personal finance, how most people miscalculate what they actually save, and the simple systems that can unlock hundreds more per month to invest.In this episode:0:00 Why cashflow is the foundation of every financial plan4:45 The truth about what people think they save vs reality11:40 The bucket system: a simple way to manage spending18:20 Setting up accounts for couples and avoiding money arguments24:25 Why improving cashflow can bring financial goals forward years27:23 Tax optimisation: salary packaging, novated leases & common mistakes36:43 Super, trusts and structuring your investments properly———Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peopletoday. ———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

We are headed out the door to run the United NYC Half marathon. We are not in the best shapes this morning. See omnystudio.com/listener for privacy information.

We are headed out the door to run the United NYC Half marathon. We are not in the best shapes this morning. See omnystudio.com/listener for privacy information.

We are headed out the door to run the United NYC Half marathon. We are not in the best shapes this morning. See omnystudio.com/listener for privacy information.

Send a textToday's show will be especially helpful for you writers out there, or if you are curious to see what makes a full-time thriller author tick. On the show today, we have award-winning and bestselling author Nick Petrie, who just released his 9th book in the Peter Ash series, The Dark Time.His first novel, The Drifter, won the ITW Thriller and Barry Awards and was nominated for Edgar, Anthony, and Hammett Awards. He won the 2016 Literary Award from the Wisconsin Library Association and was named one of Apple's 10 Writers to Read in 2017.  Apple Books named Light It Up the Best Thriller of 2018. Both Light It Up and The Wild One were shortlisted for the Barry Award.Lee Child, author of the Jack Reacher novels, said. “Lots of characters get compared to my own Jack Reacher, but Petrie's Peter Ash is the real deal.”Nick is the quindecennial blue-collar author. He has an impeccable work ethic forged with years of working as a carpenter and other trades, which has paved his way to becoming a full-time, bestselling author. Please enjoy my conversation with one of the nicest guys I know in the business, Nick Petrie. In today's episode, we discuss:·      What has changed in the publishing business in the last two years since he released his last book? Luck finds people who show up for work every day. ·      Artificial Intelligence and the publishing business.·      Best marketing practices for authors.·      How his former professions and life experiences have helped him in his writing career.·      Pros and cons of writing in a series.·      His advice for new or newer authors looking to break through. All of this and more on today's episode of the Cops and Writers podcast.Visit Nick's website to learn more about him and his books.Check out my newest book! Police Stories: The Rookie Years - True Crime, Chaos & Life as a Big City Cop!My first week as a rookie cop, I had to decide whether to pull the trigger on a man running at me with a butcher knife. He'd just killed his brother over the last hot dog.That was my introduction to policing in Milwaukee.From Wall Street Journal-featured author Patrick O'Donnell comes a memoir of rookie years on Milwaukee's streets.Support the show

We are headed out the door to run the United NYC Half marathon. We are not in the best shapes this morning. See omnystudio.com/listener for privacy information.

Cheesy and Fondue celebrate St. Patrick's Day with a deep dive into Irish cheese. We meet a one-horned cow, discover knitting needle cheesemaking, and find out how a Dutch couple changed Cork forever. And of course, we tell a very cheesy joke! Find us at www.justcheesy.com and everywhere you enjoy social media! https://linktr.ee/JustCheesy***Newsly is the sponsor of this episode! Go to https://newsly.me to download the free app and listen to articles, podcasts and digital radio! Get a FREE 1-Month Premium Subscription by using promo code CHEESY. Start listening today! *** Why is cheddar the most dangerous of all the cheeses? Because it is very sharp! Show Notes Bord Bia — History of Irish Farmhouse CheeseSheridan's Cheesemongers — Irish Farmhouse Cheese HistoryHistory Ireland — Food Exports from Ireland 1846-47Ireland's Great Hunger Museum — LearnWikipedia — Great Famine IrelandWikipedia — Economic History of IrelandIrish Central — Facts About the Great Hungerhttps://letters.cookingisfun.ie/2017/01/14/tribute-to-veronica-steele/TasteAtlas — Best Rated Cheeses in IrelandCashel Blue — Irish CheeseBibliocook — Cashel BlueCulture Cheese Mag — Cashel Farmhouse Cheesemakers

In a nonprofit, revenue often feels uncertain. But here's the secret: financial resilience isn't luck – it's strategy. In this episode, Glennda Testone and Bethany Maki of Progressive Multipliers explore how nonprofits can build independent revenue, diversify funding, and strengthen long-term sustainability.

What happens when some of the most beloved kids' movies of all time are forced into a battle for survival? We're about to find out. In this episode, we each pre-selected our movies and threw them into the ultimate showdown. Instead of a traditional draft, we pit the movies head-to-head and let the roll of a die decide their fate. Luck, nostalgia, and pure chaos all play a role as these classics fight to stay alive in the bracket. From adventurous jungle chaos to animated love stories, shrinking science experiments, and underdog sports teams — only one movie can survive the gauntlet. Which film will roll its way to the top? Which childhood favorite will be eliminated early? And will the dice completely destroy our carefully chosen lists? Grab a drink, embrace the nostalgia, and watch the chaos unfold.

Today Griffey, Heath, Sophia and Sam search cover as their Luck Runs Out in this Film Festival Draft. The idea is each player will select a character they loved who met an untimely and unfortunate end before the credits roll. The group discusses the perfect formula to create a beloved character and then destroy them along with the audience's heart. This Draft reaches to an Alien Prison Planet, Zombie filled Trains, a Dinosaur filled Theme Park, Shark Infested Waters and even an Adult Vampire Bar to find these tragic characters.  Let us know who won this Draft! Leave a comment on any of our Social Media, Youtube or whereever you find podcast.  Youtube: https://youtu.be/vSXkYcPrQoY Help us make our first feature length Messed Up Movie:  https://www.indiegogo.com/projects/mr-creamjean-s-hidey-hole-horror-comedy-movie#/ Support the show on the Patreon: https://www.patreon.com/c/messedupmoviespod 

In this deep-dive conversation, April Dinwoodie sits down with Sullivan Summer, an independent scholar, poet, and adoptee rights advocate, to unpack the layers of the adoption experience. From the "luck" narrative to the realities of transracial adoption, they explore how media and pop culture shape our understanding of family. Sullivan shares her work with Adoptees for Family Preservation and her own podcast, Adoption Pop!, highlighting why disrupting traditional narratives is essential for authentic storytelling and systemic change. Key Takeaways The "Luck" Complex: Why the concept of being "lucky" in adoption is a double-edged sword that often obscures the loss inherent in the experience. Media & Representation: How pop culture frequently misrepresents adoption, and how we can use those same tools to reclaim the narrative. Transracial Dynamics: Navigating the intersection of race, privilege, and marginalization within adoptive families. The Power of Community: Why adoptee-centered spaces are vital for support and advocacy. The Business of Adoption: Understanding adoption as a $25 billion industry and the implications for family preservation. Chapters 00:00 Introduction and Community Connection 01:09 Exploring the Myth of "Luck" in Adoption 09:14 The Realities of Transracial Adoption 20:10 Misconceptions and Media Representation 37:30 Introducing the Adoption Pop! Podcast 49:05 Authenticity and Vulnerability in Storytelling 58:31 Closing Lessons: The Importance of Listening About the Guest Sullivan Summer is a domestic, transracial adoptee and a leading voice in adoptee rights advocacy. She is an independent scholar, critic, essayist, and poet whose work has been featured in various literary and academic outlets. Sullivan serves as the President of Adoptees for Family Preservation, a nonprofit dedicated to adoptee-centered storytelling, and hosts the Adoption Pop! podcast. Her 2025 chapbook, Performance Anxiety, was published by Black Sunflowers Poetry Press. Connect with Sullivan: Website: sullivansummer.com Instagram: @thesullivansummer | @adoptionpoppodcast Substack: Sullivan Summer on Substack Podcast: Adoption Pop! Nonprofit: Adoptees for Family Preservation Podcast Credits Produced by: April Dinwoodie & Kyle Ferreira Engineered and Edited by: Kyle Ferreira Theme Music: Kevin Lowther (aka Big Lux)

Brock Roberts Coaches Show #c2wpnetwork #cleats2whistlepodcast #coachesshow What a Day here in Goshen Kentucky talking with Head Ball Coach Brock Roberts of North Oldham Mustangs. Brock has been a FRIEND OF THE PODCAST SINCE THE BEGINNIG #PrimoStatus #year10 What he and this staff has done in the past 3 years is amazing! From having 2 young men fighting for MR. FOOTBALL HONORS last season to a young man being on ESPN TOP 10 PLAYS to District Champs to having numerous college coaches walking through the doors in Goshen... This North Oldham football Program keeps setting new standards each and every year! So sit back and enjoy this Coaches Show , Dakota asks a question so you get some insight of Brock off the field he loves being a GIRL DAD and a very good one at that as well! Man it was awesome catching up Coach we truly appreciate the Friendship and Hospitality every time we come out to Goshen, Best of Luck this season!!!

Send a textIn this St. Patrick's Day–inspired episode of the Sober Butterfly Podcast, host Nadine reframes the idea of “luck” and explores how sobriety helps you create your own opportunities rather than waiting for them to appear. Instead of relying on randomness—or alcohol-fueled confidence—Nadine shares how clarity, alignment, and presence open the door to the connections, ideas, and moments that can change your life.Inspired by Les Alfred's “She's So Lucky” rebrand and the quote “luck is the residue of design,” Nadine reflects on how removing alcohol allowed her to recognize opportunities she once missed in the fog of drinking. She explains how sobriety helps you move from reactive patterns to intentional living—making you more available for growth, meaningful relationships, and aligned success.Nadine breaks down practical ways to create your own “luck,” including building trustworthy character (and offering yourself grace), expanding your circle with supportive and growth-minded people, serving others without overextending yourself, and developing daily habits that align with your goals.She closes the episode with empowering “lucky girl sobriety” affirmations and a reminder that celebrations—St. Patrick's Day included—can be joyful, meaningful, and memorable without alcohol.In This Episode, We Cover:Why sobriety increases your ability to recognize opportunitiesThe difference between random luck and intentional livingHow alcohol clouds judgment and leads to missed connectionsThe meaning behind “luck is the residue of design”Building trustworthiness and giving yourself grace in recoveryExpanding your social circle with higher-quality, supportive connectionsBeing of service without overgiving or burning outDaily habits and routines that help you create opportunities“Lucky girl sobriety” mindset and affirmationsCelebrating holidays like St. Patrick's Day alcohol-freeKey TakeawaysClarity creates opportunity—sobriety helps you see what's already around you.Being reliable, kind, and aligned attracts the right people and experiences.Your environment and social circle play a huge role in the opportunities that appear in your life.Consistent daily habits compound into long-term “luck.”Celebrations can be just as meaningful—if not more so—without alcohol.Affirmations for Lucky Girl SobrietyI am clear, present, and open to opportunities.My sobriety attracts aligned connections and experiences.I create my own luck through intention and integrity.The right opportunities find me because I am ready for them.Share the EpisodeIf this episode resonated with you, share it with a friend who might need a reminder that their life doesn't have to revolve around alcohol to feel magical, connected, and full of possibility.Subscribe & ReviewIf you're loving the Sober Butterfly Podcast, follow or subscribe and leave a review to help more people discover sober-curious inspiration and recovery support.

Luck o' the Irish!☘️ In this episode, we explore more Irish songs to play on guitar. They're perfect for acoustic players looking to expand their Irish tune repertoire—especially with St. Patrick's Day just around the corner! Start Your Free 7-day Yo-Guitar Video Library Trial! Join our Guitar Tips Community! Don't miss out, our next jam session is March 18th! Marlene's Guitar Courses & Learning Resources Yo-Guitar Video Library Learn to Play Guitar in a Day!  Coaching Sessions Marlene's Tips For Guitar Playing Success book Thursday Tips blog Facebook    Instagram    X (Twitter)     YouTube     Thank you to our sponsor! GatorCo.com   Available on... @YouTube @applepodcasts @applemusic @spotify  @spotifypodcasts  #IrishSongs #StPatricksDay #DannyBoy #DrunkenSailor #UpSheRises #Irishtunes  #howto #learnguitar #guitar #learnguitar #playguitar #guitartips #guitarpodcast  Credits: Creator, Host, Producer: Marlene Hutchinson This podcast was made possible in part by: Gator Cases I Create Sound - www.icreatesound.com

What is a lucky break? Were they lucky or were they ready? Can you actually create your own luck? How do you position yourself to be lucky?  How do you engineer your own luck? On this week's episode, Shawn & George, two professionals who've seen it all - one from the courtroom, on from the coaching room - dismantle the myth that financially successful people are simply lucky, and make the case that "luck" is something you can actually manufacture with the right preparation, mindset, and timing. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

Get ready for a packed episode! Joining me behind the mic today is co-host Will Peña for two deep-dive conversations you won't want to miss.Leading Sahuarita: We sit down with Mayor Tom Murphy to discuss the latest growth, community initiatives, and what's on the horizon for the town of Sahuarita.The Luck of the Irish: We welcome Trish Muir, President of the Tucson St. Patrick's Day Festival. She's giving us an exclusive preview of this year's festivities, the parade, and how Tucson celebrates its Irish heritage.Inside This Episode:

Chuck Todd opens with a grim inventory of an administration besieged on every front as the Iran war enters its twelfth day with no exit strategy in sight. He then pivots to the SAVE Act — the Republican voting bill that has 50 Senate votes but faces a filibuster John Thune admits he likely can't break. He walks through the details that go well beyond simple voter ID: the bill requires documentary proof of citizenship to register, treats women who change their name through marriage as first-time voters, and Trump is demanding additions including a near-total ban on mail-in voting — turning what polls show is an 80%-popular concept into a toxic package that could disenfranchise millions. He notes that John Cornyn flipped his filibuster position to chase Trump's Texas endorsement, warns that if Republicans nuke the filibuster and Democrats later win the Senate they won't restore it, and argues that Republicans are essentially writing legislation to make Trump's false fraud claims real — while Trump is already setting up the SAVE Act's inevitable failure as his preemptive excuse for midterm losses that have nothing to do with voting rules and everything to do with an unpopular war, a tanking economy, and a completely unserious leader running the Pentagon. Ultimately, he argues that partisan changes to voting rule destroy trust in democracy, whether it be the SAVE Act, or Democrats efforts to pass HR1. Then, Fiona Hill — who served on the National Security Council under three presidents and became a household name during Trump's first impeachment — joins the Chuck ToddCast for a deeply alarming assessment of the Iran war now entering its second week, with Operation Epic Fury having metastasized into a multi-front conflict spanning nine countries, oil prices surging past $100 a barrel, and hundreds of thousands of travelers stranded across the Middle East. Hill dismantles the geopolitical chessboard with surgical precision, explaining that while there is no formal alliance between Russia and Iran and that the relationship is deeply transactional, with Iran having provided Russia with Shahed drones and helped build a drone factory. She argues that China is letting the U.S. "rope-a-dope" itself, sitting back alongside Russia to watch America bleed resources and credibility in yet another Middle Eastern quagmire. She flags the glaring double standard in the administration's diplomacy: envoy Steve Witkoff refused to take the Iranians at their word during nuclear negotiations in Geneva but accepted Russian assurances at face value. The conversation turns existential as Hill warns that Trump's adventurism — which never faced serious consequences through Venezuela or the June 2025 strikes that made Iran look like a paper tiger — has now collided with reality. Trump saw the opportunity to kill Khamenei and took it, hoping for either a popular uprising or a pliant successor, but none of those hopes have materialized. Hill calls it an Afghanistan-and-Iraq-level jam with even less global credibility.. They raise the chilling question of whether Xi Jinping might prioritize seizing Taiwan while America is overextended, observes that NORAD doesn't function without Canada and the Nordic countries that Trump has alienated, warns that the damage to America's reputation will last decades, and notes that individual U.S. states are already setting up their own diplomatic representation with foreign countries to fill the vacuum. They close with a striking contrast: unlike Russians, Americans can still vote their way out of tyranny — but the window in which that remains true may be narrowing, as we are likely entering a post-American empire period. Finally, he answers listeners’ question in the “Ask Chuck” segment and celebrates the start of March Madness. Refresh your wardrobe with Quince. Go to https://Quince.com/chuck for free shipping on your order and 365-day returns. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 04:30 There’s no easy way for Trump to get out of Iran 05:30 It’s become clear US responsible for bombing Iranian school 06:15 FBI warns California law enforcement of threat of Iranian drone strikes 07:15 The fallout from the war is complicated & Trump can’t just turn it off 08:30 Drone attack that killed US soldiers far more serious than initially reported 09:15 Republicans in congress are demoralized & don’t know what to run on 10:45 Pentagon bars press for publishing “unflattering” photos of Pete Hegseth 12:00 We have a serious war and a completely unserious leader of the Pentagon 12:45 Republican senators knew Hegseth was unqualified & confirmed him anyway 14:15 It’s important to explain the details of the Republican SAVE Act 15:00 John Cornyn flipped position on the filibuster to try to earn Trump endorsement 15:30 Republicans likely don’t have the votes to kill the filibuster 16:15 Contrasting and comparing Democrats HR1 vs Republicans SAVE Act 18:15 SAVE Act requires proof of citizenship to vote 19:00 Trump wants a total ban on mail in voting and all voting on one day 20:00 If GOP kills filibuster & Dems win senate, Dems won’t restore it 20:45 If passed in a partisan vote, SAVE Act would delegitimize democracy 21:45 If rules change based on who’s in power, the public will lose faith in process 23:30 We’re seeing a collision of two partisan visions over who gets to vote 24:30 SAVE Act makes voter registration a “show your papers” event 25:30 There’s a massive gap between bill passed in house & what Trump wants 26:00 Trump is demanding a bill loaded with culture war items 27:30 If Republicans jam through the SAVE Act, it could juice Democratic turnout 29:00 Voter ID isn’t controversial with the public 29:45 There’s 80% support for proof of citizenship when registering to vote 30:15 Republicans believe it should be harder to vote, Dems think it should be easier 31:30 Trump is taking popular ideas and packaging them in a bill that is toxic 32:30 Stability in a democracy doesn’t come from a 51% majority 33:45 34k people in Arizona were barred from state elections, but had federal carve out 35:00 Almost no voter fraud has actually been found 36:00 If you change name or get married, SAVE Act treats you as first time voter 37:30 America already makes life harder on women, SAVE Act makes it worse 38:15 The SAVE Act goes WELL beyond voter ID 39:00 Republicans are writing a bill to make Trump’s bullshit real 39:45 Trump will blame failure to pass SAVE Act for election losses in midterms 41:00 SAVE Act would disenfranchise or add barriers for millions of voters 42:00 Individual citizens have no constitutional right to vote 42:45 State constitutions provide voting guarantees, SAVE Act contradicts that 44:15 Changes to voting rules need bipartisan public consensus 50:15 Fiona Hill joins the Chuck ToddCast 51:30 There is no formal alliance between Russia and Iran 52:15 Historically, Russia and Iran clashed over territory 54:00 Iran provided Russia with Shahed drones & helped build factory 54:45 Trump views his relationship with Russia & Putin in a vacuum 55:45 Iran’s relationship with China & Russia is very transactional 56:30 Iran sees itself as a civilization, not just a country 58:15 China is letting the U.S. “rope a dope” itself 59:30 China doesn’t do favors without a cost 1:00:15 Witkoff didn’t take Iranians at their word but did with Russia 1:00:45 China & Russia are sitting back and watching what happens in Iran 1:01:45 Special military operations often become quagmires 1:03:00 Trump hasn’t thought about the knock-on consequences in Iran 1:05:15 Administration thinks they can figure it out as they go 1:06:00 Trump’s adventurism never had serious consequences until now 1:07:45 9/11 shaped the frame for American thinking for 25 years 1:08:45 Do you buy that MBS pushed Trump into striking Iran? 1:09:45 The Chinese didn’t see unintended effects of war in Ukraine 1:10:45 Russia has 20x casualty rate in Ukraine that USSR had in Afghanistan 1:12:45 The Israelis are clear that they want regime change 1:13:00 Outside of eliminating the nuclear program… What's the rest of our aim? 1:14:30 Without regime change, Iranian and Venezuelan people will turn on Trump 1:15:30 There’s a large Iranian population is many countries 1:16:00 Trump is in a Afghanistan/Iraq level jam with no plan 1:16:45 Gutting of national security council effects on Trump’s planning 1:18:00 We’ve lost grip of our political system, congress has abdicated 1:19:15 High oil prices could be a boon to Russia, but shipping is an issue 1:21:30 Putin doesn’t want to end the war in Ukraine unless its on his terms 1:22:15 Ukraine has been an incredibly tough fighting force 1:23:00 The rich & powerful forget that the other 8 billion people have agency 1:24:30 Ukraine won’t have a peace imposed on it by outsiders 1:25:15 Trump assumes everyone else is as transactional as he is 1:26:15 Khamenei is a religious leader, his killing has religious implications 1:29:15 Asymmetrical war feels unwinnable 1:31:30 The damage to America’s reputation in the world will last decades 1:32:30 NORAD doesn’t work without Canada & Nordic countries 1:35:00 How can a future president try to fix the damage with allies? 1:36:00 Individual states are setting up representation with foreign countries 1:38:00 If you’re Xi, do you prioritize seizing Taiwan while Trump’s in office? 1:39:45 We’re likely in a post-American empire period 1:40:30 Is there any heir apparent to Putin? 1:42:45 Next leader of Russia will likely keep the same system in place 1:44:15 Unlike Russians, Americans can still vote their way out of tyranny 1:48:30 Across the country there’s serious frustration with federal politics 1:50:00 Ask Chuck 1:50:15 How is the psyche of the American people able to handle constant crisis? 1:55:30 Are the war and Epstein files just distracting from importance of midterms? 1:59:00 Have larger sums of money started to become irrelevant in elections? 2:03:00 At what point does fundraising advantage stop matter? 2:07:15 Chances of false flag blamed on Iran to provide pretext to mess with elections? 2:13:00 Thanks for giving me hope while feeling like we’re living through fall of Rome 2:16:30 How can a future president reverse course on tariffs? 2:19:00 Thoughts on March MadnessSee omnystudio.com/listener for privacy information.

Fiona Hill — who served on the National Security Council under three presidents and became a household name during Trump's first impeachment — joins the Chuck ToddCast for a deeply alarming assessment of the Iran war now entering its second week, with Operation Epic Fury having metastasized into a multi-front conflict spanning nine countries, oil prices surging past $100 a barrel, and hundreds of thousands of travelers stranded across the Middle East. Hill dismantles the geopolitical chessboard with surgical precision, explaining that while there is no formal alliance between Russia and Iran and that the relationship is deeply transactional, with Iran having provided Russia with Shahed drones and helped build a drone factory. She argues that China is letting the U.S. "rope-a-dope" itself, sitting back alongside Russia to watch America bleed resources and credibility in yet another Middle Eastern quagmire. She flags the glaring double standard in the administration's diplomacy: envoy Steve Witkoff refused to take the Iranians at their word during nuclear negotiations in Geneva but accepted Russian assurances at face value. The conversation turns existential as Hill warns that Trump's adventurism — which never faced serious consequences through Venezuela or the June 2025 strikes that made Iran look like a paper tiger — has now collided with reality. Trump saw the opportunity to kill Khamenei and took it, hoping for either a popular uprising or a pliant successor, but none of those hopes have materialized. Hill calls it an Afghanistan-and-Iraq-level jam with even less global credibility.. They raise the chilling question of whether Xi Jinping might prioritize seizing Taiwan while America is overextended, observes that NORAD doesn't function without Canada and the Nordic countries that Trump has alienated, warns that the damage to America's reputation will last decades, and notes that individual U.S. states are already setting up their own diplomatic representation with foreign countries to fill the vacuum. They close with a striking contrast: unlike Russians, Americans can still vote their way out of tyranny — but the window in which that remains true may be narrowing, as we are likely entering a post-American empire period. Refresh your wardrobe with Quince. Go to https://Quince.com/chuck for free shipping on your order and 365-day returns. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Fiona Hill joins the Chuck ToddCast 01:15 There is no formal alliance between Russia and Iran 02:00 Historically, Russia and Iran clashed over territory 03:45 Iran provided Russia with Shahed drones & helped build factory 04:30 Trump views his relationship with Russia & Putin in a vacuum 05:30 Iran’s relationship with China & Russia is very transactional 06:15 Iran sees itself as a civilization, not just a country 08:00 China is letting the U.S. “rope a dope” itself 09:15 China doesn’t do favors without a cost 10:00 Witkoff didn’t take Iranians at their word but did with Russia 10:30 China & Russia are sitting back and watching what happens in Iran 11:30 Special military operations often become quagmires 12:45 Trump hasn’t thought about the knock-on consequences in Iran 15:00 Administration thinks they can figure it out as they go 15:45 Trump’s adventurism never had serious consequences until now 17:30 9/11 shaped the frame for American thinking for 25 years 18:30 Do you buy that MBS pushed Trump into striking Iran? 19:30 The Chinese didn’t see unintended effects of war in Ukraine 20:30 Russia has 20x casualty rate in Ukraine that USSR had in Afghanistan 22:30 The Israelis are clear that they want regime change 22:45 Outside of eliminating the nuclear program… What's the rest of our aim? 24:15 Without regime change, Iranian and Venezuelan people will turn on Trump 25:15 There’s a large Iranian population is many countries 25:45 Trump is in a Afghanistan/Iraq level jam with no plan 26:30 Gutting of national security council effects on Trump’s planning 27:45 We’ve lost grip of our political system, congress has abdicated 29:00 High oil prices could be a boon to Russia, but shipping is an issue 31:15 Putin doesn’t want to end the war in Ukraine unless its on his terms 32:00 Ukraine has been an incredibly tough fighting force 32:45 The rich & powerful forget that the other 8 billion people have agency 34:15 Ukraine won’t have a peace imposed on it by outsiders 35:00 Trump assumes everyone else is as transactional as he is 36:00 Khamenei is a religious leader, his killing has religious implications 39:00 Asymmetrical war feels unwinnable 41:15 The damage to America’s reputation in the world will last decades 42:15 NORAD doesn’t work without Canada & Nordic countries 44:45 How can a future president try to fix the damage with allies? 45:45 Individual states are setting up representation with foreign countries 47:45 If you’re Xi, do you prioritize seizing Taiwan while Trump’s in office? 49:30 We’re likely in a post-American empire period 50:15 Is there any heir apparent to Putin? 52:30 Next leader of Russia will likely keep the same system in place 54:00 Unlike Russians, Americans can still vote their way out of tyrannySee omnystudio.com/listener for privacy information.

Send a textAYOOO welcome back to Luck Management. The bros, aside from eckhaus are getting absolutely demolished by AI. What a freaking world we live in where AI is now just destroying everything. Brother, Lucky has to figure his shit out. Never bet unders and fade me if you want to make so much money. Its an oxy moron- but aye here we are and here we go into March. Big moves coming- be on the lookout for the bros on Twitter. Keep living the Luck Management LifestyleSupport the showInstagram: @luck_managementApple Podcasts: https://podcasts.apple.com/podcast/id1637190216Spotify: https://open.spotify.com/show/4JsxM55BY6tRlGzJCiUnvzBrought to you by CharmND. Check us out on Instagram @charm_ND & @CharmNDShop on EtsyKeep living The Luck Management Lifestyle!

What happens when a Division I swimmer suffers a career-ending spinal injury and decides to try triathlon anyway? Twenty-two months after spinal fusion surgery, Farrin Saba crossed the finish line of Ironman 70.3 Maine.   In this episode of Tri Beginner's Luck, you hear the story behind that moment. After a severe back injury required a double disc replacement and spinal fusion, Farrin's future in sport was uncertain. What began as a way to reconnect with movement became a powerful journey of resilience, curiosity, and rediscovering what it means to be an athlete.   Along the way, Farrin discovered that triathlon is not just an individual sport. After volunteering to guide a visually impaired athlete, she found a deeper connection through the paratriathlon community, learning how communication, pacing, and trust transform racing into a team experience. She also shares her first winter triathlon at the national championships in Lake Placid, which included running on snow with spikes, fat-tire biking across icy terrain, and cross-country skiing. In true beginner's luck fashion, that first attempt led to qualification for the Winter Triathlon World Championships in Italy.   Whether you are training for your first triathlon, navigating an injury comeback, or curious about the many ways people find their place in endurance sports, this episode is a reminder that sometimes the most meaningful journeys begin when you start over.   Join the Tri Beginner's Luck Community: Enjoyed this episode? The best way to support the show is to leave a 5-star review on Apple Podcasts or Spotify! Follow us on Instagram: @TriBeginnersLuck Connect on Facebook: Tri Beginner's Luck Page   Questions or Feedback? We want to hear your story! Send your questions to tblpodbiz@tribeginnersluck.com, and we may feature them on a future episode.   Let's tri this!  

Willard and Dibs discuss the current state of the Warriors after consecutive losses to the Jazz and Bulls.

From tariffs to Iran, Donald Trump is often able to swing the markets with his decisions and his words, but at some point, the entire world will try to make the US less relevant to their lives. What will happen when Trump's luck runs out? Join Pat and Producer Ken as they dive into this question.

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

The Bros just found their lucky coin necklace, and everything is going right for them. Join them as they revisit the Disney Channel Original Movie, The Luck of the Irish. Where to watch the movie: https://reelgood.com/movie/the-luck-of-the-irish-2001Keep up with the Bros at:https://broforcesquad.com/https://www.youtube.com/channel/UCCJML5XTKJl2OzGW5HWrJhwhttps://itunes.apple.com/us/podcast/bro-force-squad/id1158546516?mt=2https://twitter.com/BroForceSquad

A Knight of the Seven Kingdoms just wrapped its first season and somehow did the impossible — it made us care about Westeros again. On this episode, Abhin, Rohit, and returning guest Falah break down the entire season: from the perfect casting to the moments that wrecked us, from a deep lore dive into the Blackfyre Rebellion to what Summerhall means for this story, and whether you should even bother with House of the Dragon at this point. Come join us as we join Dunk & Egg on a fun adventure in the Ashford Meadow.⚠️ SPOILER WARNING: We discuss all 6 episodes in detail. Book spoilers from the Dunk & Egg novellas and broader ASOIAF lore from around 34:43 onward.Don't Forget to LIKE, SHARE & FOLLOW THE POD!Chapters:0:00 - Intro0:48 - What Is A Knight of the Seven Kingdoms?1:21 - First Impressions: Falah2:10 - First Impressions: Rohit2:47 - First Impressions: Abhin4:58 - Behind the Scenes: Happy Accidents5:47 - How Ivanhoe Shaped the World of Dunk & Egg6:30 - Casting Breakdown: Dunk, Egg, Lionel, Baelor & Aerion9:03 - Should You Read the Books?10:07 - Memorable Moments: Episode 1 — "All the Luck is Ours"14:14 - Memorable Moments: Episode 2 — Steely Determination15:13 - Memorable Moments: Episode 3 — The Big Reveal16:50 - Every Third Person in Westeros is Named Aegon17:42 - Episode 5: Saving Private Dunk18:50 - LORE DIVE: The Blackfyre Rebellion & the Battle of the Redgrass Fields22:17 - The Dothraki Song Translation22:41 - Episode 5 Continued: Get Up Ser Duncan!26:04 - Bleach, Ghulam & the Anime of It All27:29 - Episode 6: Nailing a Penny to the Tree28:55 - Dorne Tease & Next Season Hopes29:43 - The Time Falah Spoiled the Red Wedding31:10 - Reading Oberyn vs. The Mountain During Turbulence31:53 - Why GOT Season 4 Was Peak Television32:43 - Episode 6 Continued: Book vs. Show Changes34:43 - ⚠️ BOOK SPOILERS: Summerhall, Aegon the Unlikely & Rhaegar's Birth38:57 - The Season 8 Problem39:27 - The Mandalorian Comparison40:36 - Should You Watch House of the Dragon?42:24 - Final Verdict43:13 - Why This Show Matters Right Now44:38 - Joffrey vs. Egg: Who Was Better?45:13 - Musalman Graphic Novel (Out This Eid!)46:29 - Coming Up Next!

On this hostful episode, Emily, Lauren, and Dave take a walk down memory lane and share their favorite books, movies, games, and treats from their childhoods. They also discuss the poetry of Andrea Gibson, book-logging apps, and being territorial about little treats. In the Last Chapter they swap childhood memories of going to the library.   Overdueing It is a project funded by the Rhode Island Office of Library and Information Services and is produced by library staff around the state. We are proud to be a resident partner of the Rhode Island Center for the Book. The views, thoughts, and opinions expressed are the speakers' own and do not represent those of the Overdueing It podcast, its sponsor organizations, or any participants' place of employment. The content of Overdueing It episodes are the property of the individual creators, with permission for Overdueing it to share the content on their podcast feed in perpetuity. Any of the content from the Overdueing podcast cannot be reproduced without express written permission.   Our logo was designed by Sarah Bouvier and our theme music is by Neura-Flow.   Books Best of Friends by Kamila Shamsie Happy Land by Dolen Perkins-Valdez Alanna: The First Adventure by Tamora Pierce Guards! Guards! by Terry Pratchett The Future by Naomi Alderman Emily by Michael Bedard Meg Mackintosh mystery series by Lucinda Landon Encyclopedia Brown mystery series by Donald J. Sobol But No Elephants by Jerry Smath Hamster Huey and the Gooey Kablooie (fictional children's book featured in Calvin and Hobbes comics) Nimona (graphic novel) by ND Stevenson     Media Shrinking (TV series, 2023 - ) The Studio (TV series, 2025 - ) Spider-Man (2002) Spider-Man 2 (2004) Spider-Man 3 (2007) Venom (2018) Venom: Let There Be Carnage (2021) Venom: The Last Dance (2025) Come See Me in the Good Light (2025) Frieren (TV series, 2023 - ) Nimona (film, 2023) She-Ra and the Princesses of Power (2019) The Land Before Time (1988) We're Back! A Dinosaur's Story (1993) The Emperor's New Groove (2000) Legally Blonde (2001) Ace Ventura: When Nature Calls (1997) The Luck of The Irish (TV movie, 2001)   Other: The Sims (computer/video game) Super Mario Brothers (video game) Parcheesi (board game) Sorry (board game) Trouble (board game)

On this hostful episode, Emily, Lauren, and Dave take a walk down memory lane and share their favorite books, movies, games, and treats from their childhoods. They also discuss the poetry of Andrea Gibson, book-logging apps, and being territorial about little treats. In the Last Chapter they swap childhood memories of going to the library.   Overdueing It is a project funded by the Rhode Island Office of Library and Information Services and is produced by library staff around the state. We are proud to be a resident partner of the Rhode Island Center for the Book. The views, thoughts, and opinions expressed are the speakers' own and do not represent those of the Overdueing It podcast, its sponsor organizations, or any participants' place of employment. The content of Overdueing It episodes are the property of the individual creators, with permission for Overdueing it to share the content on their podcast feed in perpetuity. Any of the content from the Overdueing podcast cannot be reproduced without express written permission.   Our logo was designed by Sarah Bouvier and our theme music is by Neura-Flow.   Books Best of Friends by Kamila Shamsie Happy Land by Dolen Perkins-Valdez Alanna: The First Adventure by Tamora Pierce Guards! Guards! by Terry Pratchett The Future by Naomi Alderman Emily by Michael Bedard Meg Mackintosh mystery series by Lucinda Landon Encyclopedia Brown mystery series by Donald J. Sobol But No Elephants by Jerry Smath Hamster Huey and the Gooey Kablooie (fictional children's book featured in Calvin and Hobbes comics) Nimona (graphic novel) by ND Stevenson     Media Shrinking (TV series, 2023 - ) The Studio (TV series, 2025 - ) Spider-Man (2002) Spider-Man 2 (2004) Spider-Man 3 (2007) Venom (2018) Venom: Let There Be Carnage (2021) Venom: The Last Dance (2025) Come See Me in the Good Light (2025) Frieren (TV series, 2023 - ) Nimona (film, 2023) She-Ra and the Princesses of Power (2019) The Land Before Time (1988) We're Back! A Dinosaur's Story (1993) The Emperor's New Groove (2000) Legally Blonde (2001) Ace Ventura: When Nature Calls (1997) The Luck of The Irish (TV movie, 2001)   Other: The Sims (computer/video game) Super Mario Brothers (video game) Parcheesi (board game) Sorry (board game) Trouble (board game)

Luck seems random and unpredictable, but Tina Seelig's message is that luck is something you can control and improve. And when you improve your luck, it will increase your creative potential. In this episode, we talk about Seelig's new book, What I Wish I Knew About Luck, and the mindsets and daily practices associated with luck and creativity. Winning the lottery is pure chance, but that's not the kind of luck we're talking about. This episode doesn't tell you how to pick the winning number. Seelig's book is about how to live a life where luck consistently comes to you. We've often hear the cliche, "luck is when preparation meets opportunity." But what does it mean to prepare for luck? That's where Seelig's book comes in. She goes beyond the cliches to give you actionable advice.  Takeaways Luck is not just chance; it can be cultivated. Building relationships is key to creating opportunities. Creativity and problem-solving are essential for luck. Mindset and resilience play a significant role in luck. Engaging with the world increases your chances of luck. Luck is a long-term game; it requires patience. For additional information Tina's web site Tina's book: What I Wish I Knew About Luck Music by license from SoundStripe:  "Uptown Lovers Instrumental" by AFTERNOONZ "Miss Missy" by AFTERNOONZ "What's the Big Deal" by Ryan Saranich Copyright (c) 2026 Keith Sawyer

In this episode of Crazy Wisdom, Stewart Alsop sits down with Andre Oliveira, founder of Splash N Color, a bootstrapped 3D printing e-commerce business selling consumer goods on Amazon. The two cover a lot of ground — from how Andre went from running 40 FDM printers out of South Florida to offshoring manufacturing to China, to how he's using Claude Code to automate inventory management and generate supplier RFQs across 200+ SKUs. The conversation stretches into bigger territory too: the San Francisco AI scene, the rise of AI agents and what they mean for the future of the internet, whether local on-device AI will eventually replace cloud-based tools, and why building physical products will stay hard long after software becomes easy. It's a candid, wide-ranging conversation between two self-taught builders figuring things out in real time. Follow Andre on X: @AndreBaach.Timestamps00:00 — Andre introduces Splash N Color, his Amazon-based 3D printing e-commerce business and explains the grind of running 40 FDM machines in South Florida.05:00 — The conversation shifts to Claude Code and how Andre built an inventory automation system to manage sales velocity and RFQs across 200+ SKUs.10:00 — Stewart and Andre compare notes on Opus 4.6, debate Codex vs Claude, and Andre breaks down the new Agent Teams feature in Claude Code.15:00 — Discussion turns to the San Francisco AI scene, the viral OpenClaw launch event that drew 700 people, and what's capturing the city's imagination right now.20:00 — The pair wrestle with data privacy, the illusion of it since 2000, and whether full transparency of personal data might actually serve people better.25:00 — Stewart pitches his vision of local on-device AI replacing cloud tools entirely, and they debate the 10–15 year timeline for mainstream societal adoption.30:00 — Andre traces his origin story: a high school dropout from Brazil who spotted a 3D printing opportunity on Facebook Marketplace and got lucky timing with COVID.35:00 — They explore whether AI-generated 3D models and DfAM will automate physical manufacturing, and why proprietary specs keep the space stubbornly hard.Key InsightsLifestyle businesses deserve more respect. Andre spent months feeling inadequate scrolling through Twitter watching founders announce funding rounds, before realizing his cash-flowing, location-independent business was already the goal. The social media version of entrepreneurial success warped his perception of what he actually had built.Claude Code is becoming an operating system. Stewart describes running Claude Code as having a second OS on top of MacOS — one that makes the underlying machine legible in ways it never was before. Both guests use it not just for coding but as a primary interface for understanding and operating their businesses.Agent Teams changes how work gets done. Andre explains that Claude's new multi-agent feature lets you assign a team lead and specialized roles that communicate with each other in parallel, essentially running an autonomous task force inside your terminal — a meaningful leap beyond single-instance prompting.Physical manufacturing will stay hard. Even as AI-generated 3D models improve, tolerances of 0.5 millimeters can mean the difference between a product working or not. Design for manufacturing is a separate discipline from design itself, and proprietary specs mean open source models rarely hit commercial quality.The internet is heading toward agents. Both guests agree that AI agents will increasingly handle tasks humans currently do manually online — booking services, making payments, coordinating logistics — with the human internet potentially becoming secondary to a machine-to-machine layer.Iteration is the real value of 3D printing. Andre pushes back on 3D printing as a business unto itself, framing it instead as a prototyping tool. The true value is rapid iteration on housing, tolerances, and fit — not the printer, but the speed of the feedback loop it enables.Technology compounds in layers. Andre closes with a tech-tree analogy: each generation normalizes the tools of the previous one and builds the next layer on top. Agentic coding today is what the internet was in the 90s — the foundation for something we can't yet fully see.

The news is out – the Michelin Guide will now consider restaurants across the entire state of Colorado. As avid travelers understand, food is a key motivator for where to visit and how to experience a new place – and credibility and consistency matter. In this episode, local Chef Brother Luck and food reviewer Matthew Schniper discuss the evolution of the food scene in the Pikes Peak Region and what it means for local restaurant owners and chefs.  Be sure to subscribe so you don't miss our next episode! Send any questions or inquiries to Media@VisitCOS.com.  Episode links:  ChefBrotherLuck.com SideDishSchniper.com

Stefan Molyneux speaks with a caller who has been hammered by back-to-back disasters—an electrical fire that displaced his family and a car accident that involved his daughter. The man sounds exhausted and overwhelmed, but Molyneux stays steady, listening closely before guiding him toward practical resilience: accepting that pain doesn't have to dictate the future and taking concrete steps like reaching out to build real connections and network for work when everything else feels closed off. By the end the caller's tone shifts from defeat to quiet determination, as he starts to see a path forward—not because the problems disappear, but because he now has a clearer sense of how to begin climbing out.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

Jim Collins has published multiple international bestsellers that have sold in total more than eleven million copies worldwide, including the perennial favorite Good to Great. His new book is What to Make of a Life: Cliffs, Fog, Fire, and the Self-Knowledge Imperative.This episode is brought to you by:AG1 all-in-one nutritional supplement: DrinkAG1.com/TimCresset family office services for CEOs, founders, and entrepreneurs: CressetCapital.com/TimMomentous Fiber+ 3-in-1 formula with soluble fiber, insoluble fiber, and Solnul® resistant starch: LiveMomentous.com/TimGusto simple and easy payroll, HR, and benefits platform used by 400,000+ businesses: Gusto.com/Tim*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.