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Stock prices are up, home prices are high, gold, silver, and bitcoin have all had major bull runs. But the average American is broke. This is the “K-shaped” economy. If you feel like it's harder to get by and the barrier to entry to invest is rising, you're not going crazy. We're in a new economy—a “K-shaped” economy—where those who own assets see their net worth soar as the middle class and average Americans watch their bank accounts shrink. This is not the place Americans want to be in right now, and the delicate balance that holds up our entire economy could fall apart sooner than we think. Dave explains what a K-shaped economy is, how it could bleed into the housing market, and whether this feast-or-famine system can survive much longer. Plus, he'll share a shocking statistic that shows just how hard things are for ordinary Americans, and how a tiny minority is holding up the entire economy. In This Episode We Cover A “K-shaped” economy explained, and why Americans feel broke as asset prices soar A shocking statistic that shows just how unstable the American economy is Housing market side effects and the surprising age of America's first-time homebuyer The widening wealth gap making investing harder for everyday people The three things that are keeping the middle class struggling (and why it's gotten worse) Tough times ahead? Why America's economy may be riding on billionaires and bubbles And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find an Investor-Friendly Agent in Your Area On The Market 372 - New Recession Indicator Shows Americans Worse Off Than We Thought Dave's BiggerPockets Profile Redfin Reports U.S. Luxury Home Prices Jump 5.5% in October, Triple the Pace of Non-Luxury Homes Grab the Book, "Recession-Proof Real Estate Investing" Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-379 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
4:20 pm: Dean Clancy, Senior Health Policy Fellow at Americans for Prosperity, joins Rod and Greg to discuss his piece in the Washington Examiner about how President Trump has put Democrats on the spot with his new Health Savings Account plan.4:38 pm: Chris Jacobs, Founder and CEO of the Juniper Research Group and a contributor to The Federalist, joins the show to discuss his piece about how the middle class can't keep up with inflation.6:05 pm: Kevin Killough, Energy Reporter for Just the News, joins the program for a conversation about how the International Energy Agency has listened to U.S. threats to stop funding the agency and is no longer basing its forecasts of future oil demand on net-zero emissions scenarios.6:38 pm: Sean Mahoney, Executive Director of the Space Frontier Foundation, joins Rod and Greg for a conversation about today's confirmation hearing for Jason Isaacman, President Trump's nominee to lead NASA.
People read you more from what you don't say, and most men leak energy without even knowing it. In this episode, I break down why a lot of men talk too much and how that kills your presence. I explain why real power comes from restraint, not from filling the air with words. I'm not telling you to stay silent, but you need to learn how to control your voice and speak with purpose. By the end, you'll understand how to talk less and hold more power. Show Notes: [02:28]#1 Words reveal weaknesses. [07:43]#2 Silence builds tension. [16:26]#3 Scarcity drives value. [20:31] Recap Episodes Mentioned: 1748: My Hidden Stash of Business Secrets Every Athletes Needs 3465: How To Intimidate Without Talking 3143: There Will Be No "Middle Class" Next Steps: ⚡️ Power Presence Protocol Command The Room Without Words → http://PowerPresenceProtocol.com
Ditch the Suits - Financial, Investment, & Retirement Planning
In this episode of Ditch the Suits, we are going to dig deeper into the question: Is the middle class truly disappearing in America? Building on last episode's discussion of statistics and public opinion, we'll examine the long-term trends from 1980 to 2020, breaking down how shifts in income, demographics, and retirement patterns have impacted the middle class. We are going to challenge the narrative of a shrinking middle class and encourage you to focus on your own financial journey rather than getting caught up in comparisons or hype.
Queues at budgeting services are getting longer, and financial advisors are finding households with increasing incomes are seeking help. Kiwis with a household income of over $200,000 a year and likely with a mortgage are struggling to make ends meet. It feels like it was only a few years ago that being on a six figure salary meant you were fairly well off, but it seems it's barely enough to get out of living paycheck to paycheck these days. So what actually is a liveable wage these days? Do we truly need to be making half a million a year just to pay our bills and still have a bit left over for savings and fun? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Need help in Portugal? Contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or join the Portugal Club community here - www.theportugalclub.com
-- On the Show: -- David shares a story about his recent medical procedure -- Nearly five years of rising prices leave middle-income families struggling while Donald Trump denies the crisis and his tariffs and policies worsen affordability for millions -- Gavin Newsom secures California's extra House seats by removing the Prop 50 trigger, outmaneuvering Texas Republicans who are now tied up in court -- Donald Trump prepares a revenge campaign after losing the fight to block the Epstein files, targeting Democrats while pretending he supported transparency -- Donald Trump calls Democrats traitors deserving execution for telling troops to refuse illegal orders while his allies excuse or minimize the threats -- Karoline Leavitt defends Donald Trump calling a reporter "piggy," dodging questions about extremist symbols, and insisting every presidential order is lawful -- A White House official who previously represented Andrew Tate pressured DHS to return seized devices to Tate during a trafficking investigation -- Donald Trump plans to sell F-35 jets to Saudi Arabia while the Trump Organization pursues a major business deal in a Saudi megaproject overseen by Mohammed bin Salman -- The Friday Feedback segment -- On the Bonus Show: A Fox poll finds Americans think Trump's economy is worse than Biden's, Benny Johnson says every personal problem is because of undocumented immigration, and much more...
MOST Malaysians believe 5.5% EPF returns mean they're building wealth. Victor Liew shows why you're actually losing purchasing power. While official inflation sits at 2-3%, your nasi lemak costs 90% more than a decade ago—that's your real inflation. Add policy drags like SST, subsidy removals, and healthcare premium spikes, and middle-class Malaysians face a 10-15% annual hurdle rate their savings can't clear. The TLDW: → Why your RM1 million at 55 will only buy RM300K worth of goods by 75 → The "shadow inflation" eating 7-10% of your wealth annually while governments report 3% → How a 31-year-old should invest differently than someone at 51 and why renting beats buying Link to download the ‘How Many Days Till End of Money' spreadsheet (as referred towards the end of the conversation) https://bit.ly/HowManyDaysTillEndOfMoney Chapters: 00:00 - Introduction: Malaysia's Middle Class Under Siege 00:49 - The Shadow Inflation Truth: Why Official Numbers Hide Real 10-15% Costs 04:09 - The Retirement Math Nobody Tells You: 1 Million Becomes Worthless 07:10 - Investment Strategy: Why Global Diversification Is Non-Negotiable 13:10 - Finding The Right Funds: 15% Returns Over 50 Years Is Possible 18:25 - Life Stage Investing: From Age 21 To Retirement Planning 27:44 - How Much You Really Need: The 2 Million Ringgit Reality Check 29:27 - Investment Psychology: Why Dead Investors Outperform Everyone 33:04 - The Forgotten Middle Class And What To Do Now --- Follow Victor here: Facebook: https://facebook.com/TheAffluentLink/ LinkedIn: https://linkedin.com/in/victorjliew X: http://x.com/victorliew
Lower Middle Class thanksgiving norms that would shock rich people HR 3 full 2270 Thu, 20 Nov 2025 18:59:04 +0000 RwpRf8zdrN3hQcoKeoQOsvCthEjB9Yt1 news MIDDAY with JAYME & WIER news Lower Middle Class thanksgiving norms that would shock rich people HR 3 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False https://player.amperw
Ann talks with Renae Authement about her mother-daughter podcast "Middle Class Matters". We get some great music by Brennan Scott Greene, a new Waco Buzz moment, and Act Locally Waco with Elizabeth Riley from the Zack Owen Show Live! Learn more about your ad choices. Visit megaphone.fm/adchoices
Ditch the Suits - Financial, Investment, & Retirement Planning
In this episode of Ditch the Suits, we are going to dive deep into the evolving story of the American middle class, exploring why it's shrinking, why that matters, and what you can actually do about it. You'll hear both sides of the debate: the familiar narrative that the middle class is disappearing as the rich get richer, and a counter-narrative that challenges those assumptions with fresh data and perspective. We'll break down arguments and examine whether the “shrinking middle class” is really a crisis or simply a sign of changing times. By the end, you'll have a clearer understanding of what's really happening, why it impacts you, and how you can take control of your financial future.
Jim sits down with tax strategist Nik Agharkar, for a conversation that starts with tax day anxiety and spirals into culture, capitalism, immigration, vo-tech, wealth inequality, and what it really means to build a healthy organization. Nik shares why he believes the tax code is an incentive system instead of a punishment, how leadership shapes culture, why Gen Z is choosing trades over college, and how America can rebuild its middle class by fixing the incentives we've quietly broken over the last 40 years. This episode is raw, political, personal, and surprisingly hopeful.Why this conversation mattersIf you lead a manufacturing team or run a business, your world is shaped by taxes whether you notice it or not. Nik lays out how incentives in the tax code ripple through hiring, layoffs, wages, infrastructure, and the decline of the American middle class. He explains why trades are rising again, why offshoring hollowed out capacity, and how culture starts with servant leadership rather than command-and-control. This is a rare conversation that connects factory floors, tax strategy, political history, and the lived experience of an immigrant family into one cohesive picture of where we are and what needs to change.What you'll hear• Why “every day is tax day” if you touch money• Jim's tax-induced heart palpitations versus Nik's calm love of paperwork• Nik's life-as-a-movie: middle school bullying, Jonah Hill, and learning to laugh at everything• His definition of culture built around ownership, servant leadership, and leading by example• Why rules for thee but not for me destroys culture — and what his HR-leader wife taught him about consistency• Growing up between America and India, and why the contrast taught him gratitude, discipline, and risk calculation• How scarcity abroad reframed what “risk” really means in America• Why going to college can be a bigger gamble than going into the trades• The surge of Gen Z and Gen Alpha entering the trades and rejecting the old college playbook• Offshoring, the collapse of vo-tech, and how we quietly kneecapped our own middle class• How tax cuts incentivized bad business, short-term hiring cycles, and underinvestment in people• The 1950s wealth distribution Americans still prefer — and how far we've drifted• Why wealth concentration is dangerous, not just unfair• The forgotten history of charitable foundations exploding when tax rates were high• How small businesses pay the price because they don't have tax departments• Why a kid would be better off buying a Haas machine and starting a job shop than taking on six-figure student debt• The infrastructure crisis — and why we're not ready to bring manufacturing back onshore• Politics, social media, and how outrage culture destroyed our ability to talk to one another• Why Americans should be critical of every administration, not cheerleaders for a team• The simple fixes: higher corporate taxes, better incentives for small business, and fully funded vo-tech• Nik's parting message about being better to each other and limiting social media for your own sanityNik's takeWe've got to stop dividing ourselves and start thinking clearly again. Limit your social media. Be better to your neighbor. And stop cheering for politicians — they work for you.Jim's takeThere aren't many people who can connect tax code, culture, and the collapse of the middle class and make it interesting, but Nik does it. This one goes way off the rails in the best way.
Scott Winship analyzes 50 years of US median earnings, preferring the MACPI to accurately adjust for cost of living. He finds that the middle class is better off: women's earnings are up 120%, and men's are up 40–50%. Winship disputes populist theories that income inequality or the China shock are the main villains, noting that the worst period for young men was 1973–1989, predating those factors. Guest: Scott Winship.1/2
Bruce Mehlman unpacks the government shutdown, the recent Democratic sweep, and the AI bubble. Then he pulls out his crystal ball for the 2026 midterms and 2028 presidential predictions.
PREVIEW The conversation explores why energy prices are so high in California, noting that gasoline is $1.60 higher there than the national average. Energy mandates are causing the hollowing of the middle class. The individuals most affected are those who must commute to work far outside major metro areas, or those living in the inland part of the state who rely heavily on energy for heating and cooling their homes. Guest: Michael Toth. 1959
When we think of middle class life, several things come to mind: owning a home, stable childcare, food in the pantry, a sense of security. But as the rich get richer in Massachusetts, the middle class is falling further behind, and making ends meet is no longer a given. People are angry, and politicians seem to be waking up to the crisis. Say More host Shirley Leung talks to the Boston Globe's Money, Power,Inequality team about their new reporting project “Squeezed” about MA's disappearing middle class. The episode features project editor Kris Hooks and reporters Katie Johnston and Mara Kardas-Nelson. To read SQUEEZED, click here: https://apps.bostonglobe.com/2025/11/money-power-inequality/squeezed/massachusetts-middle-class/unravel/
Chuck Zodda and Paul Lane discuss how Americans are anxious over affordability and jobs. The Fed is increasingly torn over a December rate cut. Massachusetts' middle class is unraveling. Boston is one of the most expensive cities in the country to live. Disney's battle with YouTube rages on.
War Room Trump Vows $2,000 Tariff Dividend Checks For Lower/Middle Class Americans, As Supremes Weigh Constitutionality – Meanwhile, Liberals Whine Dems Caved on Schumer Shutdown
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The 2025 Elections are behind us now! After Tuesday's election in New Jersey, NYC, Virginia, Pennsylvania, and California, the results send some shocking realities to the White House and other national leaders: Americans are NOT as concerned about criminality and illegal immigration as they were previously. We wade into those details, how they happened, and what will happen in the aftermath.Today's show is full of details that shocked some and worried many. The GOP faces some "must-do" things to prepare for the midterm elections next November. And with Mandami winning the mayor's job in NYC, socialism has been given a formal invitation to invade the U.S. government.Voting and numbers have proven an unfathomable number of wealthy Americans are rushing from New York and California to "get out of Dodge." Statistics show that the wealthiest of Americans and even those from the MIddle Class are rushing to Florida, Texas, North and South Carolina, to get away from egregious governing ideology that is taking over a large part of the Democrat Party.
You're doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these "smart" money moves are actually trapping you in your job? It's the paradox plaguing the FIRE community: you could be a millionaire on paper but can't afford to retire because all your wealth is locked up. Welcome to the BiggerPockets Money podcast! In this episode learn what the middle class “trap” is, why it happens, and most importantly, how to escape it. Scott and Mindy use the example of 'Sam,' a diligent saver, to explain the practical strategies for achieving financial independence, whether through Coast FIRE, Roth conversion ladders, 72(t) distributions, or more aggressive frugality and saving. They also address both the critiques and supporters of this notion, providing actionable advice for anyone feeling financially stuck despite their best efforts. 00:00 Are You in the Middle Class Trap? 00:30 What is the Middle Class Trap? 00:57 The “Ideal” Retirement Portfolio 05:12 The Controversy of the Middle Class Trap 08:53 Strategies to Escape the Trap 18:26 Advanced Financial Strategies 28:06 Mindy and Scott's Early Retirement Roadmap 34:31 Share YOUR portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices
A 50-year project to turn the world's strongest democracy into a playground for the rich...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Most collectors aren't dropping five figures on a single card. In this episode of The Staging Area presented by dcsports87, Brett and Tory dig into the heart of the hobby — the middle class. They break down what defines the $1–$500 range, why these cards often get overlooked, and how collectors can thrive in this segment. They also cover:The rise of athlete integration in the hobbyEarly takeaways from Topps Basketball and Bowman UniversitySurging goat prices and what's driving themWhy product pricing is disconnected from singles performanceThis is a grounded look at how most of us collect — smart, intentional, and focused on what truly matters.A special thank you to dcsports87 for supporting this series. Check out dcsports87 for your eBay consignment needs and visit the dcsports87 eBay store to find great cards ending every night.Get your free copy of Collecting For Keeps: Finding Meaning In A Hobby Built On HypeGet exclusive content, promote your cards, and connect with other collectors who listen to the pod today by joining the Patreon: Join Stacking Slabs Podcast Patreon[Distributed on Sunday] Sign up for the Stacking Slabs Weekly Rip Newsletter using this linkFollow dcsports87: | Website | eBay | Instagram | Twitter Follow Stacking Slabs: | Twitter | Instagram | Facebook | Tiktok ★ Support this podcast on Patreon ★
In this conversation, philosopher and counselor Tyrone Powell discusses his journey from a corporate career to becoming a counselor. He focuses on the importance of self-discovery and the impact of economic stress on mental health. He critiques the reliance on labels in mental health and advocates for a more holistic approach that considers the individual's environment and societal factors. They also discuss how labels and diagnoses in mental health can be both helpful and harmful depending on their use cases, and how coping mechanisms can become harmful when overused. The discussion also touches on the significance of community support over traditional systems, the role of coping mechanisms, and the need for a shift in how mental health is perceived and treated in society. Tyrone and Nick deeply discuss how economic stress significantly impacts mental health and the importance of class consciousness in counseling. They also discuss how the current economic conditions are causing the middle class to disappear into poverty, and how our government and societal systems will continue to fail to lift those out of poverty. Enjoy this episode and go through life with your eyes wide open. Chapters 00:00 Introduction to Tyrone Powell 01:43 Journey to Counseling and Self-Discovery 05:28 The Role of Labels in Mental Health 09:10 Understanding Mental Wellness 12:42 The Impact of Environment on Mental Health 16:09 Coping Mechanisms and Their Effects 19:58 The Shadow Self and Personal Growth 23:34 Class Conscious Counseling and Its Importance 27:02 Challenging the Status Quo in Therapy 33:04 The Interconnection of Economic and Mental Health Issues 35:23 Therapeutic Approaches to Financial Stress 39:05 Generational Perspectives on Financial Literacy 42:06 The State of the Middle Class and Economic Anxiety 45:52 The Role of Community in Addressing Systemic Issues 50:31 Capitalism is Eating Itself and Disappearing the Middle Class 57:22 Everything in Your Life Comes Back to Politics Find Tyrone Powell here: Instagram: https://instagram.com/tyronethephilosopher YouTube: https://www.youtube.com/@TyronethePhilosopher Podcast: "It's Okay, Man" https://podcasts.apple.com/us/podcast/its-okay-man/id1809681299 Website: https://hellotyrone.ca/ Find Nick Thompson here: Instagram: https://www.instagram.com/nthompson513/ | https://www.instagram.com/the_ucan_foundation/ YouTube: https://www.youtube.com/@EyesWideOpenContent LinkedIn: https://www.linkedin.com/in/nickthompson13/ UCAN Foundation: https://theucanfoundation.org/ Website: https://www.engagewithnick.com/
Ryan Allen, Associate Dean for Research Hubert H. Humphrey School of Public Affairs, joins Adam and Jordana to talk about rising home prices in Minnesota.
On this episode of #TheGlobalExchange, Colin Robertson sits Rosann Runte, Valerie La Traverse and Maggie Gorman Velez to discuss the intricacies of science and innovation diplomacy. // Participants' bios - Rosann Runt is Vice President, Corporate Affairs at the Social Sciences and Humanities Research Council of Canada - Valerie La Traverse is President of Runte Associates and previously served as President of the Canada Foundation for Innovation - Maggie Gorman Velez is is Vice President, Strategy, Regions and Policy for the International Development Research Centre (IDRC) // Host bio: Colin Robertson is a former diplomat and Senior Advisor to the Canadian Global Affairs Institute. // Reading Recommendations: - "Think Again" by Adam Grant - "Shared Prosperity in a Fractured World: A New Economics for the Middle Class, the Global Poor, and Our Climate" by Dani Rodrik - "Collapse" by Jared Diamond - "Canadians Who Innovate: The Trailblazers and Ideas that Are Changing the World" by Roseann Runte // Music Credit: Drew Phillips | Producer: Jordyn Carroll // Recording Date: October 31, 2025 Release date: November 03, 2025
Episode 4888: Building Domestic Is the Backbone Of Our Middle Class; Cover Up Of DC Pipebomber
#651 Is your paycheck secretly keeping you from living the life you want? In this powerful first episode of a three-part series hosted by Kirsten Tyrrel, Jeff Farrer shares his incredible journey from a successful academic career to becoming an entrepreneur. Jeff opens up about the moment he realized his high-paying job was draining his creative energy and preventing him from living the life he truly wanted. He explains how he and his wife took a leap of faith, navigated the challenges of financial insecurity, and ultimately built a path toward true financial freedom. If you've ever wondered whether it's too late to pursue your dream or if you should stick it out in a "safe" career, Jeff's story will inspire you to rethink your approach to money, work, and life. Tune in to discover how financial independence starts long before you hit millionaire status — and how to reclaim your creative energy along the way! (Original Air Date - 4/1/25) What we discuss with Jeff: + The hidden cost of a paycheck + Why creative energy matters + Financial freedom vs. financial independence + The mindset shift from employee to entrepreneur + Overcoming fear of leaving a secure job + How Jeff's wife supported the transition + The importance of building a financial runway + Why middle-class money advice is flawed + How to create long-term financial security + Reclaiming your ability to dream big Thank you, Jeff! Follow Jeff on Instagram. Watch the video podcast of this episode! To get access to our FREE Business Training course go to MillionaireUniversity.com/training. And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices
In the final episode of our Trade series, Nick and Goldy talk with Thea Lee, former Deputy Undersecretary for International Affairs at the U.S. Department of Labor, to challenge the core assumption behind decades of U.S. trade policy: That trade is about efficiency, not power. Lee explains how past trade deals were written to protect capital while ignoring worker exploitation abroad—a model that suppressed wages overseas and undercut American workers at home. She also makes the case that worker-centered trade isn't hypothetical anymore by pointing to the US–Mexico–Canada Agreement (USMCA), where labor rights were finally enforced with the same seriousness as intellectual property, resulting in real wage gains and democratic union elections in Mexico. This conversation lays out the choice clearly: Trade can strengthen middle classes, democracy, and supply chain resilience, or it can deepen inequality and instability. This episode makes the argument for choosing the first option on purpose, not by accident. Thea Lee is an economist and longtime advocate of pro-worker trade policy who most recently served as Deputy Undersecretary for International Affairs at the U.S. Department of Labor, where she focused on global labor protections, including enforcing labor rights under trade agreements and combating forced and child labor worldwide. Todd Tucker is a political scientist, author, and the Director of Industrial Policy and Trade at the Roosevelt Institute and Roosevelt Forward, where he leads work on how national and global institutions shape economic transformation. He's the author of Judge Knot: Politics and Development in International Investment Law. Social Media: @theameilee.bsky.social @TheaMeiLee @toddntucker.com @toddntucker Further reading: The New US Trade Agenda: Institutionalizing Middle-Out Economics in Foreign Commercial Policy Judge Knot: Politics and Development in International Investment Law Website: http://pitchforkeconomics.com Instagram: @pitchforkeconomics Threads: pitchforkeconomics Bluesky: @pitchforkeconomics.bsky.social Twitter: @PitchforkEcon, @NickHanauer, @civicaction YouTube: @pitchforkeconomics LinkedIn: Pitchfork Economics Substack: The Pitch
Shoplifting in England and Wales is at a 20 year high.But while you might have heard of the wave of criminal gangs looting shops, one police force has told ITV News it is now dealing with a rise in quite different culprits: middle class shoplifters.The thieves are stealing high end goods and keeping them for themselves.Officers have a bold way to deal with them, which doesn't involve prison, but is it fair?ITV News Anglia's Katie Ridley tells Faye Barker what you need to know. Watch Katie's full report: https://www.itv.com/news/anglia/2025-09-29/the-rise-of-middle-class-criminals-stealing-for-the-thrill-of-it
In this episode of Home in Progress, host Dan Hansen explores the rich and intricate world of Victorian architecture—a collection of styles that flourished during Queen Victoria's reign from 1837 to 1901.Hansen unpacks the key visual hallmarks of the period—turrets, spindles, gingerbread trim, bay windows, and ornate color schemes—and the social and technological forces that made them possible. He traces how the Industrial Revolution transformed craftsmanship, allowing mass production to bring beauty and ornamentation within reach of the middle class.Listeners will hear the dramatic story of the Great Fire of 1834 that destroyed the Palace of Westminster and sparked a design competition that launched one of the most influential collaborations in architectural history: Charles Barry and Augustus Pugin. Hansen explains how their Gothic Revival masterpiece reshaped British identity and inspired the exuberant architectural language that became synonymous with the Victorian era.The episode also highlights the philosophical contributions of thinkers like John Ruskin and Pugin, who saw beauty and ornament as moral imperatives—an idea that spread from cathedrals to cottages. Hansen then follows the movement's evolution into ever-richer styles like High Victorian Gothic and Queen Anne, before charting its decline under the influence of William Morris and the Arts and Crafts movement.Finally, the episode reflects on the lasting legacy of Victorian architecture—its optimism, craftsmanship, and celebration of individuality—and concludes with a look at Benjamin Moore's 2026 Color of the Year and a special listener contest.Episode Timeline00:00 — Introduction and Overview00:07 — Victorian Architecture: An Era of Styles01:52 — The Great Fire of 1834: A Turning Point02:54 — The Industrial Revolution and Its Impact04:57 — The Rise of the Middle Class and Architectural Changes07:36 — The Gothic Revival and Its Champions12:38 — John Ruskin: Beauty as a Moral Good17:14 — From Philosophy to Painted Ladies18:24 — Ruskin's Influence and High Victorian Gothic19:45 — Ornamentation and the Machine Age20:44 — Queen Anne: Victorian Eclecticism at Its Peak23:39 — Inside the Victorian Home: Layers of Luxury27:54 — The Decline of Victorian Design32:24 — The Lasting Legacy33:59 — Benjamin Moore's 2026 Color of the Year and Contest
Gordon Hanson is the Peter Wertheim Professor in Urban Policy at Harvard Kennedy School and Academic Dean for Strategy and Engagement at Harvard Kennedy School. He is best known for his research on the labour market consequences of globalisation, including pioneering work on the China trade shock. Hanson's current research addresses the causes and consequences of regional job loss, the effectiveness of place-based policies in alleviating regional economic distress, and how the energy transition will affect local labour markets. This work is part of the Reimagining the Economy project at the Kennedy School, which Hanson co-directs with Dani Rodrik. In this podcast we discuss America's historical obsession with manufacturing from the Industrial Revolution to today, manufacturing job losses and their impact on non-college workers, how traditional economics fails to measure human flourishing beyond consumption, and much more. Follow us here for more amazing insights: https://macrohive.com/home-prime/ https://twitter.com/Macro_Hive https://www.linkedin.com/company/macro-hive
David, Lakshmi, and Erin dig into the intersection of wealth, faith, and community, particularly from the standpoint of middle-class Christians. Sparked by Lakshmi's seminary research on Christian engagement with wealth accumulation in a neoliberal capitalist system, we explored theological and practical approaches to wealth: What does it mean to have or accumulate wealth? What are the impacts of capitalism? the role of intentional Christian communities? and the balance between personal finances and larger systemic (in)justice? Can we create alternative economic systems grounded in Christian values of mutuality and relationship?Check out Lakshmi's work on communities at her Substack Dwelling Place!★ Resources/Links/References:* Wealth as Peril and Obligation by Sandra Eli Wheeler * The Principle of Maximums by Roger L. Stichter* True Riches by John Cortines and Gregory Baumer* Beyond Charity by John Perkins* The Life You Can Save by Peter Singer* Practicing the King's Economy by Michael Rhodes, Robby Holt, and Brian Fikkert* The Unjust Steward: Wealth, Poverty, and the Church Today by Escobar, Miguel* When God Made You by Matthew Paul Turner (illustrated by David Catrow)★ Timestamps(00:00) Introduction and Guest Introductions(01:37) Lakshmi's Journey and Thoughts on Wealth(03:33) Erin's Perspective on Wealth and Justice(05:10) Who Is Wealthy? (09:45) New Challenges in Neoliberal Capitalism(12:32) Community and Economic Systems(23:49) Wealth as Peril and Obligation according to the New Testament(27:32) Possessions, Wealth and Practical Faithfulness(33:53) Joy beyond Guilt(35:47) Approaches to Faith and Wealth(40:16) Personality, Character, and Wealth(48:44) Challenging Assumptions About Wealth and Virtue(49:52) Economic Justice and Personal Responsibility(50:59) Middle Class Mindset and Community Investment(52:38) Navigating Power Dynamics in Personal Relationships(53:36) The Role of Reciprocity in Building Community(54:56) Class Perception and Social Mobility(01:03:44) Intentional Christian Communities and Wealth(01:05:45) Effective Altruism vs. Relational Giving(01:07:19) Is Guilt Good for Generosity?(01:09:35) The Importance of Relocation and Local Impact(01:17:53) Final Reflections on Wealth and Responsibility—★ Send us feedback, questions, comments, and support! || Email: communionandshalom@gmail.com | Instagram: @newkinship | Substack: @newkinship—★ Credits || Creators and Hosts: David Frank, TJ Espinoza, Tyler Parker | Audio Engineer: Carl Swenson, carlswensonmusic.com | Podcast Manager: Elena F. | Graphic Designer: Gavin Popken, gavinpopkenart.com ★ Get full access to New Kinship at newkinship.substack.com/subscribe
Part 2 of this must-hear discussion finds Tom Bilyeu and Congressman Ro Khanna accelerating straight into the core of America's identity crisis—exploring economic patriotism, housing and education policy, the perils of populism, and how to navigate the forces pulling our country apart. Ro shares insider perspectives on bipartisan cooperation, building coalitions, and his vision for restoring hope and opportunity for everyday Americans. Through candid dialogue and intense debate on topics like wealth inequality, capitalism vs. socialism, the psychology of populist moments, and the practical steps needed for reform, Tom and Ro map out what it will truly take to revive the American dream. They wrestle with history's lessons, the specific physics of economic pain, and the need for leaders to respond to real-world results over ideology. Whether you're interested in the healing of division or the details of urban policy, this segment is packed with actionable ideas, philosophical insight, and raw political strategy. Linkedin: Post your job free at https://linkedin.com/impacttheory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact True Classic: Upgrade your wardrobe at https://trueclassic.com/impact Cape: 33% off with code IMPACT33 at https://cape.co/impact Incogni: Free 30 day trial and 60% off annual plan at https://incogni.com/IMPACT AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.: https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices
Confusion is a tool of control. In this coffee chat with Brice from @EsotericAtlanta, we connect the dots between Digital ID, CBDCs/financial crisis, health system capture/Big Pharma, mass surveillance, and political theatre, and share calm, practical ways to resist and protect your family, sanity, and sovereignty.What we cover:Why Digital ID keeps reappearing in UK/US policy & how it can pass via “emergency” or incremental legislationThe fear playbook: wars, terror headlines & crises used to fast-track surveillanceThe price of “convenience”: data harvesting, facial recognition, loyalty IDs & the slow loss of privacyCBDCs and controlled economics: how financial pressure funnels people into the gridHealth freedom: censorship, pharma deals, and why resilient body–mind is step oneProject Blue Beam narratives & manufactured confusion (see it, don't feed it)Practical responses: petitions, local community action, using cash/barter, digital hygiene, resilient routinesStaying informed without burnout: grounding, nature, breath, and community support
Disclaimer: This is a sponsored episode. Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.
The boys first discuss Wes' work event dilema. Pay and don't show or show and drink your face off? Murr then explains how a day off turned into a gardening mess where his ear is compromised. Alan joins to the crew of "Middle Class or White Trash" where they discuss using a coupon on a first date. Fun fact Friday never fails. Finally, the new games that COULD be a part of the "Game Hall of Fame".
Suneel Munj comes on for a comprehensive podcast of TPE where we discuss politics, cars, and the difficulty in finding a driver.In this episode we discuss Suneel's favourite cars, Haval, Honda, Indus Corolla, why Pakistan can't manufacture cars, electric cars, hybrids, Ducky Bhai, FBR, and more.Is it worth buying a hybrid car?Will Electric batteries die in 7 years?Is Honda Civic a lifafa?Find out this and more in this week's episode of The Pakistan Experience.Suneel Sarfraz Munj is a Pakistani Entrepreneur and the founder and CEO of PakWheels.com, the largest online marketplace for buying and selling new and used cars in Pakistan.The Pakistan Experience is an independently produced podcast looking to tell stories about Pakistan through conversations. Please consider supporting us on Patreon:https://www.patreon.com/thepakistanexperienceTo support the channel:Jazzcash/Easypaisa - 0325 -2982912Patreon.com/thepakistanexperienceAnd Please stay in touch:https://twitter.com/ThePakistanExp1https://www.facebook.com/thepakistanexperiencehttps://instagram.com/thepakistanexpeperienceThe podcast is hosted by comedian and writer, Shehzad Ghias Shaikh. Shehzad is a Fulbright scholar with a Masters in Theatre from Brooklyn College. He is also one of the foremost Stand-up comedians in Pakistan and frequently writes for numerous publications. Instagram.com/shehzadghiasshaikhFacebook.com/Shehzadghias/Twitter.com/shehzad89Join this channel to get access to perks:https://www.youtube.com/channel/UC44l9XMwecN5nSgIF2Dvivg/joinChapters:0:00 Introduction1:30 Being confident in your work5:00 New Auto Policy14:40 Infant Industry Argument20:50 Mitsubishi Lancer23:12 Indus Corolla25:52 Honda and rating Pakistani cars31:10 Electric Cars and Battery Life35:59 Haval, Stocks and Investments 41:43 Pakistani Society, Domestic Help and Middle Class 50:00 Electric Car58:33 Etron, Ducky Bhai, FBR and Capitalism 1:08:50 Kids don't know our heroes1:14:24 Ducky Bhai, Vlogging and Internet Fame 1:23:00 Audience Questions
If the 30's were Burgundy's Critical Decade, the 40's were...less critical. But that's not to say that nothing happened, over the course of the 40's Philip the Good and his government continued to work on centralizing the Burgundian State and bringing it's component pieces into alignment.Time Period Covered: 1438-1450Notable People: Philip the Good, Nicolas Rolin, Hugh de Lannoy, William de Lalaing, Jean de Lannoy, Frank van Borselen, Reinoud van Brederode, Goeswijn de Wilde, Bengaert SayNotable Events/Developments: Creation of the Rekenkamer in Holland, Reform of the Burgundian Council, Rise of the Middle Class in the Burgundian Administration, Creation of the Epargne
Check out my newsletter at https://ShadowCapitalBrief.com and join my community at https://theEscape.club America's middle class is disappearing — crushed by rent, corporate greed, and a financial system built to keep it that way. In this 3-part series, Matt tears into the truth behind what's really happening to your paycheck, your savings, and the dollar in your wallet — and why fighting back might be the only option left. Part 1: How the Middle Class Fights Back and Saves Itself Why housing, wages, and corporate power have turned the “American Dream” into a rigged game — and what you can actually do to win again. Part 2: What Happens to Your Savings When Powell Leaves What Trump's war with the Fed means for your bank account, your mortgage, and the price of literally everything you buy. Part 3: 10 Reasons BRICS Won't Beat the Dollar Why the dollar isn't dying, no matter what the internet fearmongers say — and how to use the system's own inflation machine to your advantage. Your new biggest fan, Matt P.S. Hey, if any of this stuff resonated with you, I've got a few things that might help: My book - Rich Dad asked me to create a course to go with it. It's everything I wish someone told me before I wasted years figuring this stuff out the hard way.
¿Sientes que haces “todo bien” — trabajas, ahorras, inviertes — pero aún así no avanzas? Bienvenida a la trampa de la clase media.En este episodio hablamos de por qué tantas personas se quedan estancadas financieramente aun teniendo buenos ingresos y “siguiendo las reglas”. Analizamos cómo el estilo de vida, las deudas, las decisiones de consumo y la falta de estrategia de inversión pueden mantenerte atrapada, incluso si ganas bien.Hablamos de:Qué es exactamente la Middle Class TrapCómo identificar si estás en ellaErrores comunes que te mantienen estancadaEstrategias reales para salir de esa trampa y construir verdadera libertad financieraEste episodio te va a ayudar a mirar tus finanzas desde otro ángulo y tomar decisiones más intencionales para crear opciones y no solo estabilidad.MIRA todos los recursos aquí https://www.transformatudinero.com/podcastSi tienes +$10,000 en deudas de tarjetas llama al (844) 538-5655 para una consulta sobre el programa de manejo de deudas.¡Vamos a comenzar tu educación financiera! Tener tus finanzas personales en orden te da poder.DISCLAIMER: el contenido de Dinero en Spanglish el podcast, todos sus episodios y contenido compartido en el website y las redes sociales, es para efectos educativos solamente. Te comparitmos nuestra opinión y perspectivas relacionadas a temas de dinero y finanzas personales, pero no reemplaza la consulta con un asesor financiero, abogado y/o contador.
Michael Smerconish sits down with Dr. Michael Strain of the American Enterprise Institute to challenge the idea that the American Dream is out of reach. With Investopedia pegging its “cost” at over $5 million, Smerconish and Strain unpack what really defines success in America today. Is homeownership essential? Does hard work still pay off? And are our expectations part of the problem? A sharp, timely look at what it means to “make it” in modern America. Original air date 30 September 2025. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Imagine a world where your investments work smarter, not harder. Keith reveals the truth about why real estate trumps stocks, and how the current economic landscape is creating a once-in-a-generation wealth opportunity. Discover: Why traditional investing wisdom is leaving younger generations behind Why owning assets is the ultimate key to breaking free from economic uncertainty From the dying middle class to the rise of strategic real estate investing, Keith exposes the game-changing insights that most investors never see. Inflation is reshaping the economic landscape - and you can either ride the wave or get swept away Generation Z faces unprecedented economic challenges Want to learn more? Your financial transformation starts here. Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/573 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GR, I'm your host. Keith Weinhold, talking about real estate versus stocks, how housing has been in a recession that could now be thawing. Then why the war on the young and the vanishing middle class threatens to get even worse today on get rich Education. Keith Weinhold 0:19 You It's crazy that most people think they're playing it safe with their liquid money when they're actually losing savings accounts and bonds don't keep up when true inflation can eat six to 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments and their flagship program with fixed 10 to 12% returns that have been predictable and paid quarterly. There's real world security. It's backed by needs based real estate like affordable housing, Senior Living and healthcare. Ask about the freedom flagship program when you speak to a freedom coach there. And here's what's cool. That's just one part of FF eyes family of products. They include workshops and special webinars, educational seminars designed to educate before you invest start with as little as 25k and finally, get your money working as hard as you do. It's easy to get started. Just grab your phone and text family. 266866, text the word family. 266866, that's family. 266866, Corey Coates 1:37 you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:47 Welcome to GRE from Rocky Mount North Carolina to Mount Shasta, California and across 188 nations worldwide. I'm your host, Keith Weinhold, and you are inside for another wealth building week of get rich education. A lot of people have been building wealth lately. Do you even understand all the markets that are either at or near all time highs, real estate, stocks, gold, all recently hit those levels, also nested home equity positions of American property owners are at all time highs. Silver is also near an all time high, and so are FICO credit scores. All this means that the haves are in really good shape, and the have nots aren't more on that later. Let's then you and I talk about real estate versus stocks. I've invested in both for decades, and it's not something that I do on the side. This is the core of what I do and talk about with you every week. And I've never felt more inclined toward investing in real estate ever the resilience of residential real estate, a major reason is that I've always found real estate investing easier to understand than the s and p5 100, and it comes down to the mechanics of each one in The stock market, a company can be well run, it can be profitable, and it can even be growing, yet its stock price might fall anyway. Why? Because expectations weren't met for a quarterly earnings report, or investor sentiment just happened to shift for a while, people just tended to focus on the bad stuff instead of the good stuff, even though it was always there, and that's why the stock price went down. So what makes a stock move more often than not, is kind of laughable. It isn't a word sentiment, emotions. It's how investors collectively feel about a stock and that can change on a dime. One quarter's earnings miss an interest rate hike, geopolitical news or even a single social media comment from a CEO that can move billions of dollars of market value in an instant real estate, on the other hand, that strips away a lot of that noise and that ability for other people's emotions to ruin the price of your apartment building that cannot happen at its core, the value of a property is tied to its income stream and the market that It sits in, that makes it far more direct and way more controllable. If I buy a property, I can see the levers in front of me and ask my property manager to push or pull them or even do it myself. For example, I just asked them to replace flooring in three of my apartment units. With pricier luxury vinyl plank rather than new carpet, and that's because I plan to hold that building for another five years or more. I'll attract a better quality tenant that can afford to pay me more rent. So I know that if I improve operations and increase occupancy, reduce expenses or reposition the asset down the road. I mean, that is directly going to increase net operating income, and that increase will directly affect my valuation. So there's a logic to this that's almost mechanical, and that is not to say that real estate is without nuance or risk. The risk lies in execution. You have to underwrite carefully. Is the location of your property sustainable long term? Are the demographics supportive of Lent growth? What capital improvements are truly lucrative to you and provide the tenants with value, and what kind of improvements are only cosmetic? So real estate isn't just tangible, it's also something that you can interact with. You can walk a property, you can even speak to tenants, study the neighborhood and know exactly what you're dealing with. It's not a ticker symbol reacting to opaque forces that you'll never see or control, and for me, that tactile nature creates clarity. When you buy the right property in the right market with the right strategy, then the path forward is not mysterious. It isn't whimsical, it's deliberate. Real Estate is easier to understand than the S p5, 100. And that also doesn't mean that real estate is simple, because there is that due diligence and strategy, but it's the cause and effect relationship between what you do and the outcome that you get that's far more direct with stocks. You can be completely right about the fundamentals. I mean, you can nail it. You can Bullseye that stock target, and after all that, yet still lose with real estate. If you execute well, the fundamentals eventually do show up in the returns and see because of that direct cause and effect relationship, you can improve yourself as a real estate investor faster than a stock investor can, and that's because you can learn about how your upgrade drove your properties, noi, that information, that feedback that you got, that's something that you can either replicate again or improve upon in your own investor career. So between real estate and stocks, execution is the real differentiator, and control is a key one as well. To me, that sweet spot is control that I have. But through a property manager that way, control doesn't mean that you're losing your quality of life, your standard of living. Now, some people, they do, have the right handyman skills to maintain the property and the right people skills to maintain the tenants. So self managing it can work for just a few people. I sure don't have the handyman skills myself. Sheesh, if I even try to hang a picture on a wall, there's a 50% chance that it's going to end in a drywall patch job. When you can see the cause and effect between your decisions and the property's performance, it creates that level of control that stocks and bonds just don't offer. And I'm also being somewhat kind to stocks by discussing a benchmark like the s, p5, 100, even harder to control and understand are the Wall Street derivatives and financial mutations that the people invested in them don't even understand. Unlike stocks, you own, the levers you own, the operations, the expenses and the occupancy, both have risks, but real estate's risks are more perceptible, more knowable. You won't have to cringe when a company's CEO posts a tweet that's either pro Israel or pro Gaza. Billions of market cap is wiped out, and your investment goes down 12% in one hour. This is why we talk about real estate on the show. There is less speculation and conjecture. It is concrete stuff, and that's all besides how real estate pays you five ways at the same time, as if that wasn't enough. Keith Weinhold 9:38 Now, when we talk about real estate investing in this decade, do you realize that we have been in a housing recession for two years? A recession in real estate? I mean, it might not feel like it with those home prices at erstwhile mentioned all time highs. We don't need to have falling prices to have a recession. Investors are obviously. Making money in this housing recession. The recession I'm talking about is the slowdown in housing activity stemming from less affordability, lower sales volume and less available inventory. But we do now have signs that we are breaking out of these housing doldrums. As far as affordability, national home prices are staying firm. But what's helping there is that mortgage rates have fallen, and we've also had wages that are rising faster than rents and wages that are rising faster than mortgage payments. In fact, wages have been rising faster than both of those for most of the last year now, and that's sourced by Freddie Mac Federal Reserve stats and rental listings on Redfin. Yes, year over year, American wages are up 4.1% rents are up 2.6% and mortgage payments are basically unchanged over the past year, up just two tenths of 1% and of course, these facts, combined with lower mortgage rates, all supports more real estate price growth. Now to kick off the show, I mentioned how real estate stocks and gold all recently hit all time highs. Well, that's denominated in perpetually based dollars, of course. However, one thing that affects you that certainly has not reached all time highs is the level of available homes, the number of homes for sale, that inventory is up off the recent bottom in 2022 yet it is still below pre pandemic levels. We have had quite a recovery here. National active listings definitely on the rise. They are up 21% between today and this time last year. Well, that means that buyers have gained leverage, mostly across the south, where lots of new building has occurred, and some areas of the West as well. Yet today, we are still, overall here 11% below 2019 inventory level. So nationally, we're basically still 11% below pre pandemic housing inventory levels. And in the Midwest and Northeast, the cupboard looks even more bare than that, since new construction totally hasn't kept up there, we will see what happens. But with the recent drop in mortgage rates, buyers might take more of that available inventory off the shelf. But here's the twist that I've heard practically no one else talk about no media source, no one in conversation. Nobody. It is the paucity of available starter homes. It's the entry level home segment that has the great scarcity, and it's these low cost properties that are the ones that make the best rental properties. Their paucity is jaw dropping, as sourced by the Census Bureau and Freddie Mac starter home construction in the US. I mean, it is just fallen precipitously. Are you even aware of the trend? All right, defined as a home of 1400 square feet or less, all right, that's what we're calling a starter home. Their share of new construction that was 40% back in 1982 Yeah, 40% of new built homes were starter homes. Then by the year 2000 it fell to just a 14% share, and today, only 9% of new built homes are starter homes, fewer than one in 10, and yet, that's exactly what America needs more of. So although overall housing inventory is still low, it's that entry level segment that is really chronically underserved, and that won't change anytime soon, we remain mired in a starter home slump because builders find it more profitable to build higher end homes and luxury homes. Yet for anyone that owns this workforce rental property, which is the same thing we've been focused on doing here on this show, from day one, you are sitting in an asset class that's going to remain stubbornly in demand over the long term. And when it comes to starter homes, the ones Investors love most, they are more scarce than bipartisan agreement in Congress, really. That is the takeaway here. Keith Weinhold 14:39 So last week, I had an interesting in person meet up at a coffee shop with a 19 year old college student because he's a real estate enthusiast, rapping Gen Z there. He's an athlete too, an 800 meter runner. Well, his dad read Rich Dad, Poor Dad, and his dad has 60 rental properties. Where they're from in Wisconsin, and maybe you're wondering, oh, come on, what could I learn from this 19 year old? I don't think that way. Now, I told him about some foundational GRE principles like financially free, beats debt free and things like that. It was also insightful to get his take on how he sees the world, and for me to learn what his professors are teaching him about real estate investing in his classes, he talked about how his professors show them, for example, what affects apartment cap rates. Also about how, whenever they run the numbers on a property, it always works out better to get the debt, get that mortgage, and how that leverage increases total rates of return. I was really happy that he's learning that over there at the university, but I was really impressed how at age 19, he's responsible and understands so much about society, politics, investing, athletics and even diet. I mean, this guy is rare, talking about his preference for avoiding food cooked in seed oils and choosing beef tallow instead. He also lamented on how Generation Z is so screwed up, saying that no one reads, no one's having kids, no one can buy a home, no one's going to be able to buy a home, and that people his age are so used to looking at screens that they're anxious about in person interactions, even in person, food ordering from a waiter at a restaurant gives them anxiety. He and I are planning to go running together next week. We'll see how that goes. As a college 800 meter runner, he's going to have the speed advantage on me, but we're running up a steep, 40 minute long trail where I've got a shot at an endurance advantage. So it was rather interesting to get his take and see what college professors are teaching on real estate. I mean, this generation that's coming of age now, Gen Z is the worst generation since George Washington to have it worse off than their parents. I'm going to talk about that today, shortly. next week, on the show here, I plan to help you learn about what's going on with some real estate niches and what their future looks to be over the next 10 to 20 years, including mobile home park real estate and parking lot real estate, one of these asset classes I really don't like the future of That's all next week on the future of some certain real estate niches. Straight ahead today, I want to tell you about mortgage rates in a way that you've never thought about before and more about the war on the young and the vanishing middle class. I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 573, and you are listening to it. Keith Weinhold 17:53 If you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point, because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp. And in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com Keith Weinhold 19:06 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chale Ridge personally. While it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com Todd Drowlette 19:38 this is the star of the A E show the real estate commission, I'd roll that. Listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream. Speaker 1 19:49 Welcome back to. Get Rich Education. I'm your host. Keith Weinhold, as a reminder that show the real estate commission starring our friend Todd Drolet, who is a guest on the show here with us at the beginning of this month, it starts October 10, on A and E, that's that reality based commercial real estate show. Late last year, the Fed lowered interest rates, and they're doing the same thing again this year, when interest rates rise and fall, think of it like a wall that's being raised and lowered. Cutting rates is like lowering the height of a wall or a dam. That's because it allows for the free flow of capital. Savings rate accounts. Well, since they'll now pay at a lower rate with this rate cut, they're more likely to get shifted out and invested somewhere and flow into something else, driving up that other asset's value. Mortgages are more likely to originate because you pay less interest. Lowering rates lowers the impediment to the flow of money. It eases that flow. Oppositely, raising rates is like increasing the height of a wall or a dam, because if your savings account rate goes from 4% up to 5% oh well, you more likely to keep it parked there a higher wall or dam around your money, and raising rates makes your mortgage costs higher, so you're more likely to stay put and not move money around, constrained by the higher wall, that's how interest rates are like walls and lower walls also increase inflation, since they increase The flow of money, and hence the demand for goods and services. Well, then why did the Fed cut rates, lowering the wall opening the door for inflation this last time? Well, I think you know that was due to the evidence of a sputtering job market. You know that, if you follow this stuff, a slowing job market slows the flow of money, hence why they lowered the wall to increase the flow. Now this might translate to even lower mortgage rates. It does have that loose correlation anyway, and this should lift the housing market. But here's the real problem. Inflation is higher than the Fed wants already, and it's still rising, and they cut rates, making it more likely to rise further. This is like pouring gasoline on a campfire while yelling, don't worry. I got this sure the fire burns brighter, all right, but you might lose your eyebrows. The risk here is that these rate cuts will make inflation spike, since lower rates makes everyone less likely to save and more likely to borrow and spend, this pushes up prices even farther and faster, and this is the Fed's dangerous game. This is the crux about why the Fed is between a rock and a hard place. Ideally, the Fed only cuts of inflation is at or below their 2% target, but understand it hasn't even been there one time in nearly five years. Now, year over year, inflation was 2.7% last month and rose to 2.9% this month. The price of almost everything is up even faster than it usually goes up, beef, housing, haircuts, flamin hot, Cheetos, everything as we know this inflation that's now positioned to pick up again. However, for us, this is the long term engine that makes our real estate profitable. It makes it easier to raise rents, all while your principal and interest payment stays fixed. Inflation cannot touch that like a mosquito buzzing against a window, and let's be real, official inflation numbers are like Instagram filters. They are shaved down, touched up and airbrushed. The government massages them with tricks like hedonics, the wave of inflation that peaked at 9% in 2022 that has already widened the distance between the haves and the have nots, like the Grand Canyon, eviscerating so much of the middle class. And now the powers that be are setting up a scenario for another wave of elevated, long term inflation. This could get dire. Look like I was saying earlier the generation coming of age today is the first one since George Washington to have it worse off than their parents. Do You understand the profundity of this? They had the lowest home ownership rate, and they're the poorest, often leaving them directionless, anxious, depressed, drug addicted and even suicidal for. The first time in US history, Americans are on track to be poorer, sicker and lonelier than their parents. They will make even less than their parents did at the same age, and that's despite having a college degree. Inflation is a big reason for that, and that's what I help you solve here. I can't really help you with the depression stuff. That's not really my role with what I do here in the show. But inflation, in getting behind is one contributor to all these things. Understand, in 1989 those under age 40, they held 12% of household wealth. Today it's just 7% older Americans got rich, and they basically locked the gates behind them. Those over age 70 only held 19% of US wealth in 1989 now it's 30% Harvard's endowment has grown 500% since 1980 that's adjusting for inflation, but yet their class size hasn't grown. I mean, this is just more evidence that old money wins and young people are losing and cannot get ahead in 2019 the federal government spent eight times more per capita on seniors than they did kids. We all know that Gen Z is delaying marriage, home ownership and family formation in 1993 60% of 30 to 34 year olds had at least one child. Today, it's gone all the way down to 27% in about 30 years, that's fallen from 60% down to 27% this is not a resource problem. It's a values problem and an inflation problem, and also the tax code, values owning assets which older people have over labor, which younger people have. This is the crux of the war on the young and the war on those that don't own assets. You've got to wonder, is it even fixable? Some of it is, but no one really wants to fix inflation, and now they're lowering rates to open the door for even more of that widening that canyon, yes, the wave of inflation that started four to five years ago that broke down the middle class, and now it's set up to widen even more. I want to tell you what you can do about that shortly. But first, have you ever wondered, why do we even stratify upper, middle and lower class based on somebody's income? Why the income criterion, if you say that someone's upper class, everyone knows what that means. It means that you have a lot of wealth or income. But why is that the basis? Why do we classify it based on income? Well, it really started forming during the Industrial Revolution of the 1700s and 1800s that began in Great Britain. Before that, class distinctions were usually based on land ownership or nobility or occupation, for example, aristocrats versus peasants. But as industrial capitalism spread out of the UK, wages became the dominant way that people made a living. So tracking income, it sort of became this natural way to map out class. And then this notion spread in the 1800s and 1900s that was propelled through both economics and social science. You had thinkers like Karl Marx and Max Weber that were deeply concerned with class. Marx emphasized ownership of the means of production. You've probably heard that before, capitalists versus workers. But as societies modernized people in the world of both Economics and Psychology, they agreed that income was an easier dividing line than ownership alone. And then, starting last century, in the US, the 1900s income statistics, they became rather central in all of these policies that we make, like our tax system and poverty thresholds and qualifying for housing programs and even welfare benefits. See, they all rely on income bands. And over time, this normalized in our vernacular, these strata of upper middle and lower class sort of this income based shorthand that we use, throwing these terms around. So whether we like it or not, classes are based on your income level, and that's how it came into being. Well, with. A quick history lesson with the eroding of the middle class, with the war on the young. What can you actually do to make sure that you find yourself on the upper income side of it without falling to the lower side the lower class? Well, we know who the future financial losers are going to be. It is anyone not owning assets, and it's also savers clutching their dollars as those dollars quietly melt like ice cubes in July, right in their hand. Those are who the financial losers are going to be. Who are the winners going to be? It is asset owners riding the inflation wave, and the winners are also debtors who get to pay back tomorrow with cheaper dollars today, especially with that debt that you have outsourced to tenants. Here's the big takeaway, if you did not grab enough real assets during the last wave of inflation don't get left behind this time, because the longer you wait, the harder it is to jump aboard this moving train that keeps getting momentum and moving faster. The bottom line here is that at GRE we advocate for simply doing it all at once. Use debt to own real assets while inflation pushes up your rents. That's it, right. There it is. That's really the most concise way to orate the formula. Look in your mortgage loan documents. It does not say that you have to repay the mortgage loan in dollars or their equivalent. It only says you have to repay in dollars. That's your advantage. As dollars keep trending closer to worthless. To review what you've learned so far today, real estate is easier to understand and has more control than stocks. Housing has been in a recession, but there's more evidence that it is thawing, and a setup for more inflation has America poised to exacerbate the war on the young and widen the canyon between the haves and the have nots, and it threatens to get even wider as the middle class keeps vanishing and struggling. Keith Weinhold 32:23 Now, if you like good free information, like with what I've been sharing with you today, and you find yourself doing a bit too much scrolling for quality written real estate and finance info. I mean, yeah, it can be a mess. It can be tough. If you want to get the good stuff, you hit paywalls and pop ups, and you get these push alerts and cookie banners. It's a little annoying. It's like the internet is playing defense against you. Not so fun, and that's why it matters to get good, clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters. I've got one. I write every word of ours myself, and it's got a dash of humor, yet it's direct. And it gets to the point because, as I like to say, even the word abbreviation is too long. My letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is the good stuff, the paradigm shifting material, the life changing material, you can get my letter free at gre letter.com Where else would you get the GRE letter? Greletter.com and along with the letter, you'll also get my one hour fast real estate video. Course, it's completely free as well, and it's not to try to upsell you to some paid course, there is no paid course, there's just nothing for sale, no strings attached, free value. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get as you know, I often like to part ways with something actionable for you, visit gre letter.com while it's fresh in your head, take a moment to do it now one last time it's gre letter.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 2 34:24 nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. Keith Weinhold 34:52 The preceding program was brought to you by your home for wealth building. Get richeducation.com
Preview: Julia Felix was a woman of property and an entrepreneur in 79 AD Pompeii, running a luxurious entertainment complex. This complex offered "bougie baths," gardens, and fine dining, allowing middle-class patrons to experience luxury. Archaeology reveals she owned property and ran businesses, defying traditional written accounts. She likely died in the Vesuvius eruption. VESUVIUS
Part 2 – Escaping the Inflation Trap: What's Next for America, Bitcoin, and Your Wealth In the dramatic second half of this essential conversation, Tom Bilyeu and Lyn Alden chart the turbulent path ahead for the U.S. economy, the fate of government entitlements, and the role of assets like Bitcoin and real estate as lifeboats in a sea of currency debasement. Lyn offers insider-level guidance on how investors and ordinary people can adapt, protect themselves, and even thrive as the current system buckles under its own weight. This part gets tactical: Lyn breaks down her investing playbook for a world ruled by persistent money-printing, explains why governments and corporations are wrestling with the Bitcoin question, and discusses why the “soft default” through inflation is already underway. Tom and Lyn tackle difficult truths about the future of Social Security, social unrest, and wealth redistribution—and where hope and opportunity still exist. If you want answers, strategy, and clarity on surviving the era of fiscal dominance, this episode is unmissable. SHOWNOTES33:15 – Policy-fueled asset bubbles and the hollowing of Main Street36:56 – Trump vs. Powell: Interest rates, housing, and the limits of central banking41:18 – The hard reality: Government spending, entitlements, and default scenarios46:19 – Why America can't “run the Volcker playbook” anymore49:06 – Will the U.S. eventually default—hard or soft? What happens to the middle class?51:31 – Can America escape this destiny without violent upheaval?54:49 – The entitlement time bomb: When will Social Security “break”?59:23 – Wealth inequality, pain, and predictions for the coming decade1:07:03 – Socialism vs. austerity—and why both parties are moving away from growth1:10:44 – Can AI and productivity growth save us? Or is it too late?1:14:10 – Lyn's investing approach: Three pillars for an inflation-dominated world1:19:33 – Is Bitcoin the answer? Risks, opportunities, and macro perspective on BTC1:25:31 – Stablecoins, altcoins, and public-company treasuries1:30:57 – Will Bitcoin's volatility fade—and what must happen for wider adoption?1:43:53 – Lyn's playbook for ordinary people: How to protect yourself and grow wealth1:46:06 – The future of the dollar and why global diffusion, not collapse, is likely1:49:32 – How to learn more from Lyn Alden FOLLOW LYN ALDEN:Twitter: https://twitter.com/LynAldenContactWebsite: https://www.lynalden.com What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.: https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices
Dissect's Cole Cuchna talks to Jeremy Hecht (The Bigger Picture) and King Green (Rap Latte) about a wild slate of August albums releases: God Does Like Ugly - JID Star Line - Chance The Rapper Live Love Laugh - Earl Sweatshirt Lonely At The Top - Joey Bada$$ The trio give their initial impressions of each album and discuss the state of hip hop's maturing middle class. Learn more about your ad choices. Visit podcastchoices.com/adchoices
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