Podcast appearances and mentions of miracle morning

Come As You Are Series - The Samaritan Woman at the WellJohn 4:39-42 “Many Samaritans from that city believed in him because of the woman's testimony, “He told me all that I ever did.” So when the Samaritans came to him, they asked him to stay with them; and he stayed there two days.  And many more believed because of his word.  They said to the woman, “It is no longer because of your words that we believe, for we have heard for ourselves, and we know that this is indeed the Savior of the world.”I like this verse because it shows how important it is that we talk about our faith and how much God is doing for us.  The opening sentence in this verse says, “Many Samaritans from that city believed in him because of the woman's testimony.”  What if she didn't tell anyone what had happened?  What if she was too afraid of what others might think to talk about it?  She was already an outcast because of her lifestyle.  She had five different husbands over the years, and when she met Jesus, the man she was currently living with was not her husband.  The reason she was getting water at the hottest time of day was that she was too ashamed to get water in the morning when the rest of the women got their water.  She did not want to be the center of attention.  She didn't want everyone looking at her, and yet she ran to town to tell everyone about Jesus.  I wonder if all those people would have been saved if she had been too afraid to tell her story.  If she was too afraid to share her excitement over Jesus and what He did for her.  The reason I ask is that I sometimes feel afraid to share.  Sometimes I get a prompting from the Holy Spirit to say something to someone, and all this fear and doubt go through my mind.  I wonder what that person will think of me if I say it.  I wonder if I will sound crazy or stupid.  I wonder if they will even listen or if they will just walk away.  I wonder if they will be mean.  It sounds like this woman did not think about it at all.  She had a conversation with Jesus and then ran right to town to tell everyone about it.  I want her courage, her boldness, her humility.  Or maybe her impulsiveness, if she ran off without even thinking about it.  Maybe I need more of that when it comes to Jesus.  Maybe I just need to act first and think later when it comes to following the promptings of the Holy Spirit.  Have you ever wondered if something you say or do could have this effect on people?  It can.  It might have already.  A lot of times, it is for us to plant the seeds but not to see the harvest.  We have no idea how our words and actions can affect the course of someone's life.  Sometimes we say something, and the person we say it to doesn't really think much of it, but then down the road, they see the significance of it. Think back to all the people who have been influential in your life.  Did you know at the time they were going to be so influential?  Did you know that the advice they gave you was going to shape the kind of person you would become?  Are those people still alive?  Could you tell them now how influential they were?  They may not know.We don't usually see the good in us as much as others do.  It is an interesting experiment to ask those who know you well to tell you what they see in you, what they feel your strengths are, and what your weaknesses are.  I was reading a book titled “The Miracle Morning” and the author Hal Elrod suggested sending an email to those closest to you, this can include family, friends, and coworkers.  He suggests you email them and ask them to tell you the top 2-3 areas of weakness you may have, and then also some areas of strength.  He said it is a great way to see if you are living life intentionally and if you are giving off the vibe you want to give off.  At the end of the book, he gave a sample email to send out.  I think if you asked others how they see you, you would be surprised.  They will see things in you to admire and look up to, and you may not see them.The verse ends by saying that although the people in the town started to believe in Jesus because of her words, now they believe because they heard Jesus for themselves.  I love this part too because I feel it takes the pressure off of me.  I just have to tell my story, I just have to talk about what Jesus has done for me, and hopefully that will be enough to lead people to find Jesus.  It is not my responsibility to make them Christian, to save their soul, to teach them everything they need to know about Jesus.  Jesus will do that.  It is just my job to tell them about my encounter.  If I tell people how God is working in my life, that will be enough to get them to seek God so they can find out more.  I truly believe our stories are powerful enough to bring others to Christ, and this verse is a great witness to that.  Sometimes we think our story is not big enough, interesting enough, or important enough to tell others.  We feel we have lived a boring, normal life, and so others won't want to hear about it.  This is a lie from the enemy.  He knows how important our stories are, and he knows others need to hear them.  There isn't a single person who gets through this life without hardships, without struggles.  Maybe you feel your struggles are small compared to others, and yet someone else might be having the same struggle you had, and they feel like it is so overwhelming.  God might be doing big, amazing things in your life, and that is awesome. Tell people about it.  God might be doing small, almost unnoticeable things in your life, and that is amazing too; tell people about it.  There are some people, a lot of people, who don't know God.  They don't know that the reason everything went so well and things fell into place so nicely is because of God.  However, if you tell them about the little ways you see God showing up in your life, they will start to see Him in their life as well.  I know it is hard to speak up sometimes.  I know this world doesn't seem to be super friendly to people who want to talk about Jesus.  I know there are a million reasons we can come up with for why we shouldn't share our story.  I know the enemy is whispering in your ear that you don't have anything to share.  He is saying your life is too boring, and no one wants to hear about your life.  I know all of that, and yet if you read this verse, hopefully you can see the importance of sharing your story anyway.  What if your story was the story someone needs to hear today to find Jesus, or to come back to Jesus?  Can we join together and be brave enough to share our story so that we can bring others to know Jesus?  Can we do that for God?  If you feel like you are not brave enough, I know I am not some days, then ask God for help.  He gives us what we ask for, especially if we are asking for things that will help us build up the kingdom of God.  How is God working in your life, and who can you talk to about it today?Another thing I thought of when I was thinking about this story is the fact that Jesus chose this particular woman to reveal his identity to.  She was a Samaritan, and Jews were not supposed to associate with Samaritans. She was a woman, and men weren't supposed to talk with women they didn't know. Yet God chose this Samaritan woman to be the first person to whom He revealed his true identity. God chose her, and He is choosing you, too!God has a purpose for each one of us.  I was going to say, “If God wants to use you, He will.”  However, I don't believe it is a matter of “if”.  God definitely wants to use you; He wants to use all of us to help Him build up His Kingdom.  Whatever you feel God putting on your heart, know that He chose you for a reason.  Maybe that thing you feel is a weakness is the exact reason God chose you.  Maybe he is going to use that weakness to help you talk to others with that same weakness?  Maybe your addiction to alcohol makes you perfectly suited to bring his good news to others with an addiction to alcohol.  God will use all our mistakes, all of our pain, all of our sins, for good if we let Him.  Don't listen to that inner voice that tells you God wouldn't use you.  That is the voice of the enemy trying to keep you down because he knows God has powerful plans for you, and the enemy is worried about what will happen if you step into those plans.  God knows you are not perfect, and that is exactly why He wants to use you.  Let Him.  Say Yes.  Surrender to God, and He will use you.  You are exactly who He wants.  Dear Heavenly Father, I ask you to bless all those listening to this episode today.  Please help us see how you are working in our lives.  Please open our eyes to all you do for us and help give us the boldness to share it.  Dad, we are asking you to help us spread our story to all those we meet so they can start to see you working in their lives.  We ask that you help us not to believe the enemy's lies that our story is boring or that we don't have anything to say.  We love you, Lord, you are working in our lives, and we want to share that with others.  We just need your help to do that.  Thank you, Lord!  We ask all of this in accordance with your will and in Jesus' holy name, Amen!Thank you so much for joining me on this journey to walk boldly with Jesus. Just two more weeks to sign up for retreat. Check out the link in the show notes for details. I look forward to spending time with you again tomorrow.  Remember, Jesus loves you, and so do I! Have a blessed day!Today's Word from the Lord was received in May 2025 by a member of my Catholic Charismatic Prayer Group. If you have any questions about the prayer group, these words, or how to join us for a meeting, please email CatholicCharismaticPrayerGroup@gmail.com. Today's Word from the Lord is,Come As You Are Series - The Samaritan Woman at the WellJohn 4:39-42 “Many Samaritans from that city believed in him because of the woman's testimony, “He told me all that I ever did.” So when the Samaritans came to him, they asked him to stay with them; and he stayed there two days.  And many more believed because of his word.  They said to the woman, “It is no longer because of your words that we believe, for we have heard for ourselves, and we know that this is indeed the Savior of the world.”I like this verse because it shows how important it is that we talk about our faith and how much God is doing for us.  The opening sentence in this verse says, “Many Samaritans from that city believed in him because of the woman's testimony.”  What if she didn't tell anyone what had happened?  What if she was too afraid of what others might think to talk about it?  She was already an outcast because of her lifestyle.  She had five different husbands over the years, and when she met Jesus, the man she was currently living with was not her husband.  The reason she was getting water at the hottest time of day was that she was too ashamed to get water in the morning when the rest of the women got their water.  She did not want to be the center of attention.  She didn't want everyone looking at her, and yet she ran to town to tell everyone about Jesus.  I wonder if all those people would have been saved if she had been too afraid to tell her story.  If she was too afraid to share her excitement over Jesus and what He did for her.  The reason I ask is that I sometimes feel afraid to share.  Sometimes I get a prompting from the Holy Spirit to say something to someone, and all this fear and doubt go through my mind.  I wonder what that person will think of me if I say it.  I wonder if I will sound crazy or stupid.  I wonder if they will even listen or if they will just walk away.  I wonder if they will be mean.  It sounds like this woman did not think about it at all.  She had a conversation with Jesus and then ran right to town to tell everyone about it.  I want her courage, her boldness, her humility.  Or maybe her impulsiveness, if she ran off without even thinking about it.  Maybe I need more of that when it comes to Jesus.  Maybe I just need to act first and think later when it comes to following the promptings of the Holy Spirit.  Have you ever wondered if something you say or do could have this effect on people?  It can.  It might have already.  A lot of times, it is for us to plant the seeds but not to see the harvest.  We have no idea how our words and actions can affect the course of someone's life.  Sometimes we say something, and the person we say it to doesn't really think much of it, but then down the road, they see the significance of it. Think back to all the people who have been influential in your life.  Did you know at the time they were going to be so influential?  Did you know that the advice they gave you was going to shape the kind of person you would become?  Are those people still alive?  Could you tell them now how influential they were?  They may not know.We don't usually see the good in us as much as others do.  It is an interesting experiment to ask those who know you well to tell you what they see in you, what they feel your strengths are, and what your weaknesses are.  I was reading a book titled “The Miracle Morning” and the author Hal Elrod suggested sending an email to those closest to you, this can include family, friends, and coworkers.  He suggests you email them and ask them to tell you the top 2-3 areas of weakness you may have, and then also some areas of strength.  He said it is a great way to see if you are living life intentionally and if you are giving off the vibe you want to give off.  At the end of the book, he gave a sample email to send out.  I think if you asked others how they see you, you would be surprised.  They will see things in you to admire and look up to, and you may not see them.The verse ends by saying that although the people in the town started to believe in Jesus because of her words, now they believe because they heard Jesus for themselves.  I love this part too because I feel it takes the pressure off of me.  I just have to tell my story, I just have to talk about what Jesus has done for me, and hopefully that will be enough to lead people to find Jesus.  It is not my responsibility to make them Christian, to save their soul, to teach them everything they need to know about Jesus.  Jesus will do that.  It is just my job to tell them about my encounter.  If I tell people how God is working in my life, that will be enough to get them to seek God so they can find out more.  I truly believe our stories are powerful enough to bring others to Christ, and this verse is a great witness to that.  Sometimes we think our story is not big enough, interesting enough, or important enough to tell others.  We feel we have lived a boring, normal life, and so others won't want to hear about it.  This is a lie from the enemy.  He knows how important our stories are, and he knows others need to hear them.  There isn't a single person who gets through this life without hardships, without struggles.  Maybe you feel your struggles are small compared to others, and yet someone else might be having the same struggle you had, and they feel like it is so overwhelming.  God might be doing big, amazing things in your life, and that is awesome. Tell people about it.  God might be doing small, almost unnoticeable things in your life, and that is amazing too; tell people about it.  There are some people, a lot of people, who don't know God.  They don't know that the reason everything went so well and things fell into place so nicely is because of God.  However, if you tell them about the little ways you see God showing up in your life, they will start to see Him in their life as well.  I know it is hard to speak up sometimes.  I know this world doesn't seem to be super friendly to people who want to talk about Jesus.  I know there are a million reasons we can come up with for why we shouldn't share our story.  I know the enemy is whispering in your ear that you don't have anything to share.  He is saying your life is too boring, and no one wants to hear about your life.  I know all of that, and yet if you read this verse, hopefully you can see the importance of sharing your story anyway.  What if your story was the story someone needs to hear today to find Jesus, or to come back to Jesus?  Can we join together and be brave enough to share our story so that we can bring others to know Jesus?  Can we do that for God?  If you feel like you are not brave enough, I know I am not some days, then ask God for help.  He gives us what we ask for, especially if we are asking for things that will help us build up the kingdom of God.  How is God working in your life, and who can you talk to about it today?Another thing I thought of when I was thinking about this story is the fact that Jesus chose this particular woman to reveal his identity to.  She was a Samaritan, and Jews were not supposed to associate with Samaritans. She was a woman, and men weren't supposed to talk with women they didn't know. Yet God chose this Samaritan woman to be the first person to whom He revealed his true identity. God chose her, and He is choosing you, too!God has a purpose for each one of us.  I was going to say, “If God wants to use you, He will.”  However, I don't believe it is a matter of “if”.  God definitely wants to use you; He wants to use all of us to help Him build up His Kingdom.  Whatever you feel God putting on your heart, know that He chose you for a reason.  Maybe that thing you feel is a weakness is the exact reason God chose you.  Maybe he is going to use that weakness to help you talk to others with that same weakness?  Maybe your addiction to alcohol makes you perfectly suited to bring his good news to others with an addiction to alcohol.  God will use all our mistakes, all of our pain, all of our sins, for good if we let Him.  Don't listen to that inner voice that tells you God wouldn't use you.  That is the voice of the enemy trying to keep you down because he knows God has powerful plans for you, and the enemy is worried about what will happen if you step into those plans.  God knows you are not perfect, and that is exactly why He wants to use you.  Let Him.  Say Yes.  Surrender to God, and He will use you.  You are exactly who He wants.  Dear Heavenly Father, I ask you to bless all those listening to this episode today.  Please help us see how you are working in our lives.  Please open our eyes to all you do for us and help give us the boldness to share it.  Dad, we are asking you to help us spread our story to all those we meet so they can start to see you working in their lives.  We ask that you help us not to believe the enemy's lies that our story is boring or that we don't have anything to say.  We love you, Lord, you are working in our lives, and we want to share that with others.  We just need your help to do that.  Thank you, Lord!  We ask all of this in accordance with your will and in Jesus' holy name, Amen!Thank you so much for joining me on this journey to walk boldly with Jesus. Just two more weeks to sign up for retreat. CLICK HERE for details. I look forward to spending time with you again tomorrow.  Remember, Jesus loves you, and so do I! Have a blessed day!Today's Word from the Lord was received in May 2025 by a member of my Catholic Charismatic Prayer Group. If you have any questions about the prayer group, these words, or how to join us for a meeting, please email CatholicCharismaticPrayerGroup@gmail.com. Today's Word from the Lord is, “Fear not, my children. I bear you up on eagle's wings. I lead you in ways of righteousness. We are friends. Both heaven and earth shine upon each of my children.”  www.findingtruenorthcoaching.comCLICK HERE TO DONATECLICK HERE to sign up for Mentoring CLICK HERE to sign up for Daily "Word from the Lord" emailsCLICK HERE to sign up for my newsletter & receive a free audio training about inviting Jesus into your daily lifeCLICK HERE to buy my book Total Trust in God's Safe Embrace

If you've ever felt burned out, stretched too thin, or guilty for even thinking about taking time off—you're not alone. I've been there too. That's why today's conversation with my good friend Chris Ducker hit so hard. Chris is a wildly successful entrepreneur, best-selling author, and founder of Youpreneur. But despite building a thriving business, he ended up flatlined—literally. Diagnosed with acute anxiety, depression, and adrenal failure, Chris was forced to face the cost of nonstop hustle. In his new book The Long Haul Leader, Chris shares the framework he created to move from burnout to balance: a simple Life OS built on four pillars—impactful work, loving relationships, personal mastery, and hobbies. We dig into why hustle should only ever be a season (not a lifestyle), how to protect your energy, and why self-care isn't selfish—it's strategy. If you want to create lasting success without sacrificing your health, happiness, or relationships, this conversation will give you the permission and tools to finally make it happen. KEY TAKEAWAYS Chris's Journey of Success, Burnout, and Health Issues The Life OS Framework: 4 Pillars for Sustainable Success The 4 Areas of Life That Are Essential for Health and Joy Hustle vs. Habits: Why Hustle Shouldn't Be a Lifestyle The “Stop, Stay, Start” Exercise for Clarity and Focus The Power of Permission to Reclaim Your Time and Life How to Connect with Chris and Find His Book Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/602 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

What does it take to scale from a house hacker to owning 75 rental units—without deep pockets and during a high-interest rate environment? In this episode, Jesse Lang breaks down her journey from “accidental landlord” to full-time real estate investor. Starting with a $92,000 condo in Austin, TX, she began house hacking before moving into long-term rentals, wholesaling, and eventually mastering the BRRRR strategy (Buy, Renovate, Rent, Refinance, Repeat). Jesse shares exactly how she built momentum, how she leveraged private money and hard money lenders, and why she's tripled her portfolio in just a few short years—all while managing properties remotely with a lean team in Columbus, Ohio. You'll learn: How Jesse used house hacking to get started The pros and cons of wholesaling vs. holding Her approach to raising private capital (including converting sellers into lenders) How she systematized her BRRRR process to scale fast Why she prefers the Midwest and how she built her team How she gets 100% of her deals funded using other people's money How DSCR loans let her scale beyond 10 properties Plus, Jesse shares her favorite life-changing habit: The Miracle Morning. Whether you're just starting out or trying to grow your portfolio, this episode is packed with tactical advice you can use immediately. Find out more: Join our FREE Facebook group!: https://www.facebook.com/share/g/1KdpUzVbKG/ Instagram/TikTok: @jessielangofficial Youtube: @unlockedrentals BRRRR Mini Course:  https://www.unlockedrentals.com/minicourseoptin Cell #: 614-368-7391 ---------- Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com

Kiera shares some motivation everyone could use a bit of right now, especially if you're facing significant challenges. Her episode reading recommendation: Miracle Morning by Hal Elrod Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript:   Kiera Dent (00:01) Hello, Dental A Team listeners, this is Kiera. And today I just want to give you a quick tactical, amazing, miracle morning recap. I have a friend in my life right now who is just struggling and I struggled last year and like I realized, my gosh, like maybe it's time for me to give you guys a quick boost on how we can create a little bit more momentum, a little bit more magnetism in our lives with a lot of ease. So if that's what you're here for, I'm here. Today's more about a life rather than a tactical tip.   but I believe that this tactical tip is going to set your DNA up to be the successful practice, the successful office manager, the successful hygienist, successful team member, giving you the DNA and the blueprint for it. So my name is Kiera. We love helping dental offices, their teams and their doctors and their patients truly live life at a higher level to be happier, to be more fulfilled, to be more profitable, to say yes to more things in your life. We call the yes model. You as a person being fulfilled, happy, vibrant.   E stands for earnings and profitability and S stands for systems and team development. Like let's put the systems in place. Let's teach you the tacticals, but let's make sure we get the DNA right. ⁓ Miracle Morning was a book that came into my life by Hal Elrod at such a vibrant time. I was at my lowest of my lows and I just needed almost like ⁓ a roadmap out. And I feel like this book was so magical and so powerful for me. And I just really, really, really appreciate it. So ⁓ I'm going to give you guys like kind of a rift on it.   But like helping you just get this into your life. Because like I said, my friend is just struggling, high anxiety, burnout, feeling like, can't I be, like, why can't I do this? A new mom, feeling just truly burdened and down. And I remember I was talking to them and they said, Kiera, I just don't understand. Like, I feel like I should be able to do this and I feel like I can't and I don't understand why. And I thought, gosh, how many people feel this day in and day out? Like all of us.   And that's the lie is we all think that everyone else can figure this out and I'm just the schmuck and I just don't know how to do it when it's all just a stupid lie. And I'm so irritated about it because the life experiences that we're having right now are truly gifts to us to help us evolve into the person we ultimately want to become. if you could realize that the challenges we're facing right now are truly the gift of your soul to propel you into the version of yourself that you need to be.   is something so hard to comprehend when you're going through it, but so easy when you're on the other side, like, wow, that was the greatest gift life ever gave me. And remember life is always happening for you and not to you. So how Elrod, like it just helped me have like a routine, like a routine of pieces. So like I said, I'm just going to break it down for you. He goes through what he calls are the lifesavers. And the lifesavers on there are S stands for silence, A stands for affirmations, V stands for visualization, E stands for exercise, R stands for reading.   and S stands for scribing. So on the silence, the way he describes it, it's like, be quiet in your mind and block out the chatter through meditation, prayer, or focused breathing. Okay, so I do it, I do meditation in the morning. I love Joe Dispenza, that's the one who's come in for me for a long time, I didn't. I've done calm, I've done lots of different things, prayer, whatever it is, but the goal is to quiet our mind. And I believe that our mind is like a muscle and we need to strengthen it. And so this is a great way to almost do like bodybuilding for the mind is to every day.   just have a moment and like a time of silence. And I usually do this before I start my day. So it's kind of like setting myself up, building that foundation, creating this affirmations, tell yourself encouraging words to achieve goals, overcome fears and feel happy. And what they've proven is like one thing that I love about Joe dispense is he talks about like the future causes anxiety and the past causes depression. And how can we be in this future moment in this present moment? And then how can we create our future and actually break the pattern and the habit of things that are known and create an unknown?   of what we actually want to become. So when we do these affirmations of like X, Y, Z, and then we go followed up with the visualization, a visualization, imagine yourself doing things you need to for the day in your future life and imagine what it feels like to succeed. So for me, it's like, what is that? Like, don't have to say that he's always like, what is that future life? Like I hear him in my head because I listen to him every single day, but it's like visualizing, like, what do you want to be? How do you want your life to be? Who do you want to be? And I was like, what things? you're   You're basically creating this future that's pulling you, that's compelling, that's something you don't know. And you're able to like literally bring this into your world. Now, I'm not gonna lie to you, this is not an overnight sensation. It's something that you build up over time. But it's really beautiful when we're giving ourselves affirmations, which I have like a ton of I am statements. And then we go into E stands for exercise. So doing something of movement. It can be a one minute movement, but like just go for a walk or a jog. Getting moving allows the blood and oxygen to flow to your brain.   like my morning walk, like the shower for my brain, clear out all those cobwebs before I take off, doing something to honor my body which is this beautiful billion dollar asset that I have that I promise and committed to treating her with so much respect and love. R stands for reading. Fill your brain with positive thoughts and ideas to improve yourself. So any type of reading, anything, even if it's like two minutes like you could grab, but it's not scrolling, it's something of positive. Like you'd be shocked at how many books you get through if you'll just read like a page of morning. ⁓   to just fill your mind with something positive. And then S stands for scribing, write a journal to process thoughts and reflect on what you've achieved. So they have the short and condensed version of the savers, because I was like, wow, that feels like a lot. But again, it gave me a roadmap. So like, cool, I do meditation. Then I visualize within my meditation. Then I have affirmations. My husband says his affirmations in the shower. Like, truly, that's not a joke. Or he says that on his drive to work. And then we have our exercise. We have our reading. And we have our scribing.   I have cut a few of these things down. That's like the quick down dirty formula for it. And so for me, what I try to do in my journal is every morning I do what I'm grateful for, accomplishments I had from the day before, because I want to build that momentum. I do my improvements. And sometimes I just do one. I don't give myself any more than three. So my improvement was live in gratitude more. That was my improvement. I just want to see where life is more abundant and beautiful for me. That was my improvement. So it's nothing hard. It's nothing berating. It's truly just that.   I always do a portion of joy, like what was my greatest joy from yesterday? What's my self love? That one was really hard for me. I put that in and I had to write three things that I loved about myself, whether it was physically, mentally. So the one I wrote in here is that I love my brilliant mind. What's wild is like, why are we not our best friend? Like, why do I not look in the mirror every day and be like, gosh, girl, I just love you I'm so grateful for you. Like, why not be the biggest cheerleader for ourselves? So that was a big thing for me. I write down my goals of what I want to achieve.   And then what are my results for that day that I want to accomplish? So that's my scribing. Journaling for some reason makes me feel weird. It's been a few years block for me that I haven't been able to journal. So that's kind of my quick formula. And then just so you guys know, I have my like just a couple IM statements of like four year affirmations. I say, I am creative. I have growth and expansion. I am love. I have divine connection and collaboration. I have self love and compassion. I am honest. I have an abundant mindset. I'm fun and playful.   I have trust and flow, I have queen strength. So those are just a few. And then some of my affirmations are like, my success is inevitable. This is one that I always have like, hold on, I'll read you my favorite one. I'm 100 % committed to being so dang good people can't ignore me. Kierda is a name that is known across the world for good and for changing those she touches through word, deed and presence. And that's who I wanna be. That's how I wanna show up in this world. I also love this one. I am committed. Let me read this one to you.   ⁓ I think this one's just funny. ⁓ I am committed and choose to be happy each day by laughing so hard, doing super fun things weekly. So just some like really fun things for you. I have another one. This was at a time in my life where I did not have great relationships in my life. So it's been on here for almost nine years. It says I am 100 % committed to only having healthy, positive relationships in my life. I immediately cut out toxicity from my life. ⁓   I am 100 % committed to being grateful for the amazing life that is already mine and continue to watch success, joy, money, grace, friendships, employees. Yes, I added employees. Don't worry, that was for surely added. And happiness flowed to me with ease, acceleration, and continuity. So for you, I hope whatever it is, whatever your version of Savers is, whatever your version of Miracle Morning is, that you remember that you are the greatest asset, that you're choosing you, that you are showing up for other people.   This is the dumb analogy that I hate, but it's true. Put the oxygen mask on you first to give to other people. This is your breath of oxygen. This is your, whoosh, is the way to have a simple foundation for you every morning to prime your mind. For me, I feel like, why don't I prime my mind for what I want to see rather than priming my mind for whatever comes in my way? I truly believe that I am a creator of my life, not a manager of my circumstances. And I want to be creating this beautiful, abundant, radiant version of me.   And I hope that you want that for you too. I will tell you when I first started this, 90 % of what I just read to you, I didn't believe and I didn't feel and I didn't think was mine. And over time, after doing it day in and day out, and it's not lying to myself, it's just again, like Jodis Benz says, it's not looking forward and causing anxiety and it's not looking in the past and causing depression, but being present and then co-creating my future life of what I want, what I believe, what I can create, and then allowing that to come to me.   with ease, grace, continuity. So if you need help with this, not only do we coach on dentistry, but we also help people become the best versions of themselves. And I hope that you just take this because life's too short. We are going to have bumps, we're going to have bruises, we're going to have pieces come through. But what I hope is that you're able to find hopefully something in this miracle morning to give yourself the foundation, the ritual, the routine, the system for your life to give you the extraordinary life that you deserve. If we can help you reach out, Hello@TheDentalATeam.com.   I hope you choose you. I hope you choose to love you the most. I hope you realize that giving yourself 10 minutes, 15 minutes a day is the greatest gift you can give yourself for everything that your body and soul does for you day in and day out. Commit, love yourself, and if we can help, like I said, reach out. I'm betting on you and I hope you are too. And as always, thanks for listening, and I'll catch you next time on the Dental A Team Podcast.  

5 minute Version.  Please also explore the 14 Minute Version Too. Start your day with one of the most powerful manifestation rituals you'll ever experience — designed to shift your brain, open your heart, and align you with your highest potential in just 10 minutes. In this guided practice, mindset coach Paul Sheppard combines neuroscience-backed tools with superconscious presence to help you: Rewire your Reticular Activating System (RAS) to spot new opportunities Activate oxytocin and heart-brain coherence to calm your nervous system Shift into gratitude, connection, and open awareness — the frequency of manifestation Send conscious intentions to yourself, loved ones, and the world Align with infinite possibilities and the future you're here to live Whether you're an entrepreneur, visionary, or someone looking to manifest from a deeper place of power — this ritual will ground you, energise you, and reconnect you to what really matters. Press play now — and let's begin. Something wonderful is already happening.   About Me   Contact, community and social links here.

What if most of the “healthy” foods and habits you rely on are actually making you sick, tired, and inflamed? So many people struggle with low energy, brain fog, poor sleep, and recurring health issues—and too often, the solutions we're offered don't address the root cause. And today's guest knows all about what it's like to be on a first-name basis with hospital staff that have no answers. Tim Gray, who's widely known as “Europe's leading biohacker,” is a psychology specialist turned health entrepreneur who transformed and optimized his own health through biohacking. After years of chronic fatigue and mysterious illnesses that doctors and conventional medicine couldn't solve, he dedicated himself to researching and experimenting with solutions. Today, he has over 600,000 Instagram followers, runs the popular Health Optimization Summit, and is recognized for bringing science-backed, accessible strategies to a global audience. In our conversation, Tim shares several simple, yet effective ways to biohack and optimize your health that don't require expensive tech or endless supplements. We talked about how to avoid the hidden dangers of seed oils and processed foods, why sleep is the most important biohack of all, and how practices like mouth taping dramatically improve your energy, focus, and vitality.  Whether you're just starting your health journey or already experimenting with biohacking, this episode will give you clear, practical steps to live longer, healthier and longer. KEY TAKEAWAYS What Biohacking Really Means (and Why It Matters) Tim's Turning Point to His Biohacking Journey An Epiphany on Mercury Toxicity and Genetics Taking Instagram to the Health Optimization Summit Why the Medical System Keeps People Sick The Truth About Seed Oils and Inflammation The Bad Influence That Television Had Before The Internet Common Foods With Seed Oils That Should be Avoided The Simple Formula for Eating Whole, Real Foods Tim & Hal's Typical Healthy Meal Routines Nutritional Benefits of Organ Powers and Meats Biohacking Mythbusting & The Benefits of Mouth Taping The Truth About Methylene Blue and Mitochondrial Health Simple Tips to Get Started with Biohacking and One You Can't Replace Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/601 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

Start your day with one of the most powerful manifestation rituals you'll ever experience — designed to shift your brain, open your heart, and align you with your highest potential in just 10 minutes. Hi, It's Paul Sheppard your Mindset Coach and In this guided practice, I combine neuroscience-backed tools with superconscious presence to help you: Rewire your Reticular Activating System (RAS) to spot new opportunities Activate oxytocin and heart-brain coherence to calm your nervous system Shift into gratitude, connection, and open awareness — the frequency of manifestation Send conscious intentions to yourself, loved ones, and the world Align with infinite possibilities and the future you're here to live Whether you're an entrepreneur, visionary, or someone looking to manifest from a deeper place of power — this ritual will ground you, energise you, and reconnect you to what really matters. Press play now — and let's begin. Something wonderful is already happening.   About Me.   I'm Paul Sheppard — host of the top 10 podcast, Ultimate Mindset Change  Teacher, Mentor, and Mindset Coach. Contact, community and social links here. I help entrepreneurs, leaders, high-performers and truth seekers around the world awaken, reprogram old mental patterns, and break free from the limitations of their minds — so they can build authentic success, create aligned businesses, and live the extraordinary lives they're meant for. Whether you're stuck in overthinking, battling self-doubt, or feeling trapped by invisible blocks, my work guides you to reconnect with clarity, confidence, and purpose. My first book is coming soon — and I believe it's going to be a game-changer in the world of mindset transformation for entrepreneurs and conscious creators. Thank you for being here with me. I'm honoured to support your journey. Paul   Music credit - Subconscious Waves Bruce Brus - Epidemic Sound

If your mornings often feel frazzled—leaving you stressed out and already behind before the day even begins—this episode will be a game-changer for you. I'm joined by Hal Elrod, bestselling author of The Miracle Morning, who shares how simple shifts in your routine can completely transform your days, your mindset, and even your health.  We talk about the updated edition of his book, which now includes The Miracle Evening, full of tips on how your bedtime routine can help set you up for morning success. Hal also opens up about his traumatic past– from recovering from a debilitating car accident to overcoming cancer, and the mindset strategies he used to carry him through it all.  Plus, he'll help you learn tools to combat overwhelm and let go of stress quickly when it creeps up.  Ready to end the morning chaos and start leading your life with more peace and clarity? Tune in here, and begin your own miracle mornings! Hal Elrod Hal Elrod has lived a life that would break most people, but he's somehow managed to turn his adversities into perspectives and practices that have helped millions of people around the world. Today, he's a dedicated husband and father, international keynote speaker, and best-selling author of 12 books, including The Miracle Morning, which has sold over 3 million copies. His mission is to help you overcome what's holding you back from experiencing the life you truly want—beginning with how you start each day. IN THIS EPISODE How the right morning routine can help change your life  About Hal's book, The Miracle Morning, and his updated edition  How a nighttime routine sets you up for morning success  Living in alignment with your core values  Hal's battle with cancer and how he overcame his symptoms  Hal's secret: The 5-minute rule to change your perspective  QUOTES “60% of women in midlife struggle with sleep issues, and it's [due to] hormones for sure.”  “In the new edition of The Miracle Morning, there's a chapter called The Miracle Evening, which is all about what you do starting 3 to 4 hours before bed.”  “You can be at peace with the things you can't change. Enjoy every moment of this one life that you've been blessed to live, AKA, the miracle life.” RESOURCES MENTIONED

#881: Join us as we sit down with Hal Elrod –  bestselling author of The Miracle Morning, keynote speakers, & transformational coach. The Miracle Morning was created to unpack the powerful habits, mindset shifts, & daily rituals that can transform the trajectory of your life. In this episode, Hal dives into how tragedy turned into triumph after surviving a near-fatal car accident, a rare cancer diagnosis, & financial hardship. He breaks down the six practices that have helped millions elevate their mornings & how to tailor them to your own lifestyle. From the power of affirmations, impactful mindset shifts, & practical tools to build consistency – these habits will set your day up with ultimate success & help unlock your highest potential.   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Hal Elrod click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   To learn more about Hal Elrod and The Miracle Morning visit https://miraclemorning.com.   This episode is sponsored by The Skinny Confidential Your daily routine done better – with The Skinny Confidential Caffeinated Sunscreen. Subscribe today at http://bit.ly/TSCSunscreen and get it delivered right to your door – because great skin doesn't take days off!   This episode is sponsored by Hero Bread Hero Bread is offering 10% off your order. Go to http://hero.co and use code SKINNY at checkout. This episode is sponsored by Beam Go to http://shopbeam.com/SKINNY and use code SKINNY at checkout for up to 40% off.    This episode is sponsored by Opill Opill is birth control in your control, and you can use code SKINNY for 25% off your first month of Opill at http://Opill.com.   This episode is sponsored by Superpower Head to http://Superpower.com to learn more and lock in the special $199 price while it lasts.   This episode is sponsored by Cozy Earth Head to http://cozyearth.com and use my code SKINNY for up to 40% off!   This episode is sponsored by Bobbie Bobbie is offering an additional 10% off on your purchase with the code TSC. Visit http://hibobbie.com to find the Bobbie formula that fits your journey   Produced by Dear Media

Life can be hard. Things happen that we don't see coming. And while you can't always control the circumstances, you always have control over how you respond. That's the throughline of my conversation with Ron Lynch. He's lived life as a true Renaissance man—from writer, director, and producer to cook, inventor, traveler, and philanthropist. He's built billion-dollar brands and mastered dozens of skills, but what really sets him apart is his ability to choose joy, no matter what life throws his way. In our conversation, Ron shows how that same mindset applies to staying relevant and resilient in today's world. He explains why developing a wide range of skills is your best defense in a future being reshaped by AI, how to approach learning without adding overwhelm, and why your emotional state is always within your control, even in difficult or uncertain times.  We also explore Ron's powerful “Introduction from God” exercise—a practice that forces you to confront who you want to be remembered as, and challenges you to live in alignment with that vision every single day. KEY TAKEAWAYS Why You Have More Control Than You Think Choosing Peace Instead of Stress and Anger The Da Vinci Model for Becoming More Useful How to Learn New Skills Without Overwhelm Skills That Won't Be Replaced by AI Why Artisan Trades Are Making a Comeback The One Truth Most People Avoid Facing How Faith and Science Intersect in Purpose Discovering Your True Purpose in Life Writing Your “Introduction from God” The Difference Between Happiness and Joy Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/600 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Fred Diamond is the co-founder and president of the Institute for Excellence in Sales. The Institute helps sales leaders around the globe acquire, motivate, retain, and elevate top-tier sales talent.   He shares his journey from corporate marketing roles at Apple and Compaq to launching IES as a lead-generation effort that evolved into a full-scale organization serving global sales leaders.    Fred highlights how the Institute supports sales professionals through membership programs, leadership development events, and its award-winning Sales Game Changers Podcast.    Fred explains the critical role of sales in business success and notes that even the best product won't survive without effective selling.   Fred also shares his productivity system, inspired by Hal Elrod's The Miracle Morning, which includes daily early rising, exercise, journaling, and goal visualization.   He emphasizes the importance of delegating tasks that others can do better, so leaders can focus on vision, growth, and team-building.    Website: Institute for Excellence in Sales LinkedIn: Fred Diamond   Previous Episode: iam345-founder-helps-sales-leaders-acquire-and-retain-top-tier-sales-talent   Check out our CEO Hack Buzz Newsletter–our premium newsletter with hacks and nuggets to level up your organization. Sign up HERE.  I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: http://cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!

Episode Overview In this episode of the John Kitchens Coach Podcast, John Kitchens sits down with DJ Fairley for an unfiltered conversation about setbacks, clarity, branding, and what it really takes to thrive in today's real estate landscape. From recovering from injury to navigating tough markets, DJ shares how discipline, daily wins, and focusing on health fueled his best year ever. The two also unpack the role of clarity in leadership, why branding is the future of real estate, and how consistency builds both trust and long-term success. This is a raw and practical masterclass on resilience, clarity, and leading your business through uncertain times. What You'll Learn in This Episode Turning Setbacks into Strength How DJ bounced back after a major injury and still delivered his best year Why mindset, daily wins, and health are the foundation of success The power of stopping excuses and winning one day at a time Clarity Over Chaos Why procrastination is often caused by lack of clarity The “squeegee effect” of consistently resetting your vision How to use weekly planning and accountability partners to stay aligned The dangers of chasing status instead of long-term freedom Branding & The Future of Real Estate Why “the best marketer always wins” in 2025 and beyond Lessons from Alex Hormozi's record-breaking book launch The shift to AI-powered consumers and what that means for agents Why reputation is your ultimate brand—and how to protect it Habits, Health & High Performance Why health is the foundation of mindset and consistency How daily steps and fundamentals translate into real estate success The importance of consultative selling—being the guide, not the hero Why consistency in small metrics (calls, appointments, signed deals) creates big results Resources & Mentions John Kitchens Executive Coaching – One-on-one coaching, clarity, and accountability Scaling Up by Benjamin Hardy – Framework for clarity and growth The AI Driven Leader by Jeff Woods – A must-read for leaders in an AI-powered market The Miracle Morning by Hal Elrod – Daily framework for success Can't Hurt Me by David Goggins – Building resilience and mental toughness StoryBrand by Donald Miller – How to position yourself as the guide, not the hero Final Takeaway Success in real estate—and in life—doesn't come from shortcuts. It comes from clarity, consistency, and connection. Build habits that support your health, clarity that guides your actions, and a brand that earns trust. Do the hard things daily, and the results will follow.   “Win every day. Don't worry about how far the mountain is—just take the next step.” – DJ Fairley Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach   If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Ever notice your best ideas don't come when you're forcing yourself to “figure things out”? They show up in the shower, on a walk, or drifting off to sleep. That's because inspiration flows when you quiet your overactive, ego-driven mind and create space for divine guidance. Today, I'm sharing how I learned to replace overthinking with what I call “divine downloads” — ideas that feel like they come straight from God, your highest self, or collective consciousness. I'll walk you through a powerful story from a recent mastermind that reminded me how life-changing it is to act on inspiration the moment it arrives (before doubt talks you out of it). By the end of this episode, you'll know how to create more space for inspiration, capture those ideas before they fade, and turn them into the kind of meaningful action that transforms your life — and the lives of those you care about most. KEY TAKEAWAYS The Difference Between Thinking and a Thought How Overthinking Blocks Inspiration The Mastermind Moment That Inspired Me Acting on Inspiration Before Thinking Yourself Out of It Creating Space for Divine Downloads Why You Must Capture Ideas Immediately Turning Inspired Thoughts Into Action Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/599 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

In this Purpose Chasers Podcast episode , Hal Elrod, best-selling author of The Miracle Morning, shares how to navigate the dip after success, reframe adversity into service, and create purpose-driven momentum through daily habits. This audio-only conversation is a reminder that your best is still ahead.Listen now and share with someone who needs the encouragement today.Be sure to Subscribe and leave me a Hal a comment.

You've read the books. You've done the morning routine. You've said the affirmations. So why do you still feel stuck? In this video, I'm exposing the truth about self-help culture and why it can never give you what your soul truly needs. From bestselling books like The Subtle Art of Not Giving a F**,* Girl, Wash Your Face, The Miracle Morning, and more, we're breaking down the messages that promise transformation, but deliver spiritual exhaustion. ✨ Self-help says: “You are enough.”

If you're worried that AI will replace your job or that Bitcoin is just hype, this episode will challenge your perspective on the future of work and money.  For many, AI sparks fears of mass job loss or the gradual erosion of our ability to think for ourselves. And Bitcoin comes with concerns about volatility, or the belief that it's just a speculative investment bubble.  But as you'll hear from today's guest, it's not all doom and gloom. In fact, it's quite the opposite. Mark Moss is one of the world's leading experts on Bitcoin and macroeconomics, and has recently been appointed Chief Bitcoin Architect for a billion-dollar international company.  Mark shares how major technological shifts in history echo today's AI changes—and why job loss fears may be overblown. He explains how AI often enhances jobs instead of replacing them, and how it's boosting professional performance. We also discussed why Bitcoin is more than just digital money—it's the first new financial asset in 500 years, and it's reshaping our understanding of wealth. Mark breaks down how our money is being silently devalued, why the illusion of wealth is keeping the middle class stuck, and how Bitcoin is emerging as a potential global reserve asset. KEY TAKEAWAYS Will You Lose Your Job to AI? Tech Always Creates New Jobs AI Is a Tool, Not a Replacement What to Do If AI Threatens Your Job Why AI Rewards Those Who Adapt Mark's 4-Part ChatGPT Framework How to Make AI Your Thinking Partner What AI Agents Are (And Why They Matter) Build Your Own AI-Powered Coach Bitcoin & The Hidden Cost of a Debased Currency Will Bitcoin Replace the Dollar? Prediction: Bitcoin Worth $45M by 2050 This Is Why the World Will Switch to Bitcoin How to Start With Bitcoin (Do This Now) Defining the Illusion of Wealth Mark's 5-Year Retirement Playbook   Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/598 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Success starts before sunrise—design your mornings to win the day.

Whether you've used visualization before or never seriously considered it, chances are you're missing its full potential. Done right, it's not just a feel-good exercise—it's a mental fitness tool top performers use to train their minds and sharpen results. Even after years of practicing it myself, my conversation with Maya Raichoora showed me I'd only scratched the surface. Maya is Nike's first-ever Mental Fitness Trainer, a two-time TEDx speaker, and author of Visualize: Think, Feel, Perform Like the Top 1%. She works with elite athletes and entrepreneurs to help them train their minds like world-class performers. In this episode, we break down five distinct visualization methods—and how each one can help you build confidence, overcome adversity, accelerate healing, and unlock your next level. If you want to develop mental fitness, boost performance, and think like the ultra-successful, this episode is your roadmap. KEY TAKEAWAYS Unlock the Power of Visualization Turn Adversity Into a Mental Edge Use All 5 Types of Visualization Visualize Daily for Maximum Results Build Mental Fitness, Not Just Mental Health Strengthen Your Mind With These 5 Pillars Protect Your Mind From Toxic Inputs Focus on Growth, Not Just the Goal Stop Confusing Visualization With Manifestation Why Most People Don't See Results How to Learn More From Maya Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/597 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Show notes/ PDF & Infographic / Free Audiobook / ☀️ What if your mornings held the key to transforming your entire life? Discover the 6 daily habits used by high achievers worldwide. In this audiobook summary of The Miracle Morning by Hal Elrod, we break down a simple but powerful routine that's helped millions improve their mindset, productivity, and well-being — all before 8 a.m. Whether you want more energy, clarity, or purpose, this episode offers a proven blueprint to reinvent your mornings and upgrade your life. Elrod's “SAVERS” method — Silence, Affirmations, Visualization, Exercise, Reading, and Scribing — is designed to activate your full potential, starting from day one. He developed this framework after a near-fatal accident and financial collapse, and it's since become a movement embraced by CEOs, athletes, and everyday people looking to break out of burnout or stagnation. Ready for more? Unlock the full experience on the StoryShots app — including: ✅ PDF summary ✅ Infographic ✅ Full audiobook ✅ Animated version

In a world that often sweeps trauma under the rug and expects survivors to simply “move on,” Lindsay Jepperson's story is a clarion call for honesty, healing, and hope. On a recent episode of Crafting a Meaningful Life, Lindsay sat down with the host to share her journey from a childhood marked by abuse and addiction to a life anchored in faith, service, and purpose. Her message is clear: no matter the storm, you can adjust your sails and chart a new course. She gives Mary the most powerful lessons from her story, offering actionable advice and in-depth insights for anyone seeking to overcome adversity, support others, or simply live more meaningfully.  Key Lessons and Ideas: The Power of Resilience:    Lindsay's early life was marked by significant challenges, including being a NICU baby, experiencing childhood sexual abuse, and navigating the foster care system. Despite these hardships, she emerged stronger, showing us that resilience is not about avoiding difficulties but about facing them head-on and growing through them. Faith and Recovery:    Lindsay's journey through heroin addiction to recovery is a powerful reminder of the importance of faith and daily commitment. She emphasizes that recovery is a daily choice, supported by grounding habits like prayer, journaling, and the Miracle Morning routine. Using Your Voice:    One of the most profound messages from Lindsay is the importance of using your voice to overcome adversity. She shares how speaking out about her experiences has not only helped her heal but also empowered others to share their truths and seek help. The Impact of Small Wins:    Simple daily actions, like making your bed, can set a positive tone for the day and contribute to a sense of accomplishment and control. These small wins are crucial in maintaining mental and emotional well-being. Breaking Generational Curses:    Lindsay's commitment to being a different kind of mother, wife, and community member highlights the importance of breaking negative cycles and creating a positive legacy for future generations. Finding Joy in Simple Moments:    Lindsay finds immense joy in spending time with her children and engaging in activities that nurture her inner child. This serves as a beautiful reminder to cherish the simple, everyday moments that bring us happiness. Curiosities and Insights: Adjusting Your Sails:   Lindsay's book, Adjusting Your Sails: Anchoring to God in the Storms of Life, is a profound exploration of how to navigate life's challenges with faith and resilience. It's available on Amazon. Lindsay's Website: https://www.lindsayjepperson.org/ MaryCraftsInc.com

We're living through one of the most profound transitions in human history. With AI projected to disrupt or replace over 300 million jobs globally and 75% of the global workforce rethinking their careers, it's no wonder that 1 in every 3 Americans has already undergone a major life change in recent years. This reckoning has created a pivotal moment in which fear, uncertainty, and doubt about the future are becoming increasingly prevalent. When life feels uncertain or misaligned, having a clear and compelling vision can be the anchor that pulls you forward. And today's episode is all about crafting a spiritual vision, not just a set of goals, but vision that pulls you toward your biggest goals… even when life feels out of control. Jennifer Hudye is the founder of Vision Driven, where she helps entrepreneurs, CEOs, leaders and changemakers craft, clarify, and connect to their compelling vision of the future. She's a gifted speaker who has taken the stage at TEDx, Mindvalley, and EO, to name a few. She has worked with renowned thought leaders, including Tony Robbins, Joe Polish, Dan Sullivan, and many others. And as you'll hear, her passion for helping others to take control and design a life they love shines brightly. In our conversation, Jennifer guides us through the five essential steps to crafting a spiritual vision, starting with self-honesty and culminating with becoming the version of yourself who can bring it to life. You'll learn how to suspend the “how,” what to do when fear blocks your clarity, and why vision is more than just a mental tool—it's a way to partner with God (or your higher power) to co-create a life aligned with your purpose. KEY TAKEAWAYS Jennifer sets the tone and intention for the pod Why Jennifer is compelled to help others create a spiritual vision The world is a profound transition period A vision is a tool to help make better decisions How fear of failure keeps us from dreaming big How to overcome mental roadblocks and stay on track The 5 steps to creating a spiritual vision When Hal set his vision on his first impossible goal How Jennifer's vision led her to Joe Polish's home, literally A quick recap of the 5 steps to creating a spiritual vision Jennifer's advice to anyone in a transition period Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/596 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Episode 330 Hey there! I'm so happy you're here. I LOVE talking about morning routines!  Morning is your time. That's what having a morning routine is all about. It's you saying, ‘I matter.' Everything else can wait. All the responsibilities and to-dos—they'll get done, just not before you take care of yourself. A morning routine that works for you is not about getting up early—unless you want to. It's about dedicating at least 10 minutes to doing something for yourself after you wake up - whatever time that is. In this episode, you'll discover: The signs you may need a morning routine: Signs You Might Need a Routine My story two years into sobriety, when I started my morning routine inspired by Hal Elrod's The Miracle Morning. Practical ways to start your morning, all from midlife women who are working on living alcohol-free The importance of being flexible with yourself and honoring your energy every morning to make your mornings work for you   Resources Mentioned: The Daily Sobriety Toolkit Everyday Self-Care to Support Your Alcohol-Free Lifestyle Eat That Frog by Brian Tracy Join Team Alcohol-Free  Gain access to weekly meetings, daily inspiration, and lots of connections with midlife women who are living alcohol-free.  Plus, you will receive long-term support for a one-time investment, + additional resources added monthly. TAF was established in 2023, and we are growing stronger together! If you feel like you've been missing out on alcohol-free girlfriends and coaching, join us today!  Go here to enroll

Multifamily on steroids? Welcome to hotel investing.

Send Wilk a text with your feedback!Episode 274: Reigniting Purpose Through Gratitude & Legacy with Dean TaylorIn this episode, Wilk is joined by Dean Taylor for a powerful discussion on how gratitude, personal accountability, and intentional mindset shifts can transform your life. Dean opens up about rediscovering his purpose after years of feeling stuck, inspired by the dream his father never got to fulfill. They explore the power of morning routines, the Miracle Morning framework, and how faith and storytelling can help build a life of meaning and impact.

Ep 59: Healing, Sobriety, Stem Cells & SAVERS: My Top Takeaways from the Biohacking ConferenceDescription: Ever left an event feeling so lit up that you wanted to shout it from the rooftops? That's this week's show.In this solo episode, I'm taking you inside one of the most jam-packed wellness and biohacking events I've ever attended. You'll hear personal insights from Dave Asprey's Beyond Conference (formerly named Biohacking Conference), including a healing moment I wasn't expecting, and the “this changes everything” takeaways that rocked me to my core.We're talking brain health, emotional regulation, detoxification, quantum healing, conscious capitalism, and yes—a doctor who pulled a laser out of his pocket and aimed it at my head (and something in my elbow shifted).Some featured voices include:[5:00] Dr. Joe Dispenza, on reprogramming the subconscious and the healing power of the mind[7:00] James Nestor, author of Breath, on the science (and urgency) of how we breathe[9:50] Christian Drapeau, from StemRegen, on the use of stem cells in the treatment of long-term degenerative disease [11:55] Hal Elrod, founder of the Miracle Morning, and his SAVERS practice [15:05] Vani Hari, aka The Food Babe, on the battle to keep toxins off your plate[20:37] Jirka Rysavy, Gaia's elusive founder, on next-level energy healing and personal power[22:42] Dr. Jerry Tennant, author of Healing Is Voltage, on frequencies, trauma, and cellular healing[28:35] Daymond John, who opened up about addiction, entrepreneurship, and reclaiming healthYou don't need to be perfect. Just present. Whether that means skipping the soda, booking the sauna, or tossing those sketchy snack bars, the next right step is always enough. Biohacking isn't about trends and hacks; it's about learning to support your body and mind so you can actually live your life.RATE & REVIEWLoved this episode? Drop a review and share it with someone who's ready to feel better from the inside out.

What does it really mean to live the life of your dreams — today? Hal Elrod returns to share how the key to extraordinary success lies in how you start your day. Discover how to awaken your potential, build urgency, and create Level-10 days with the power of a Miracle Morning.

What would you do if your child came to you and said they wanted to end their life? For today's guest, that heartbreaking moment came out of nowhere, and it turned his entire world upside down. But instead of crumbling, Rob reached for something familiar: The Miracle Morning. What started as a productivity tool became his lifeline. And ultimately, it helped him show up for his son in the way he needed most. Rob Stein is a purpose-driven leader, coach, and founder of Fathers in Christ and Elevate YOUniversity. He's also a beloved presence in the Miracle Morning Community, where his daily FB posts consistently offer honesty, vulnerability, and value. Rob's mission is to equip high-performing men to lead with faith, live with integrity, and build legacies rooted in love and resilience. In this emotional and powerful episode, Rob opens up about the darkest season of his life—when his teenage son admitted to having suicidal thoughts, and later attempted to take his life. Rob walks us through the pain, the fear, and thankfully, the healing that took place through his unwavering faith and the stabilizing force of the Miracle Morning. We also dive into the healing powers of journaling and the role that spiritual growth and acceptance played in his journey, and how parents can support their kids and loved ones through their own mental health struggles. KEY TAKEAWAYS The Facebook post that floored Hal The day Rob's son confessed his suicidal thoughts When self-care for Rob's mental health kicked in How the Miracle Morning became Rob's spiritual survival kit How journaling and visualization gave Rob hope Rob's advice to get started with journaling The S.A.V.E.R.S helps Rob with staying consistent How Rob handled the night his son attempted suicide Accepting what you can't control, controlling how you react Side-effects from medications often create worse problems Rob's advice for parents who feel helpless and scared Rob's final message to anyone who feels overwhelmed Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/595 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

Have you ever known something was wrong with your body, but no doctor could tell you why? You've seen the specialists, done the tests, maybe even tried the prescriptions—but the root cause still isn't clear. I've faced that same dead end. And in today's episode, I'm sharing how one person helped me get answers no one else could. His name is Jason Ward, and he's a medical intuitive who's worked with over 80,000 people. He can scan your body and pinpoint root issues that often slip past traditional tests. Jason has helped people uncover everything from chronic pain triggers to hidden hernias to early-stage diseases that hadn't even shown up on scans. In my case, he helped me heal a lingering wrist injury that specialists couldn't diagnose after a year of appointments. In this episode, we unpack how Jason discovered this gift, what he actually sees during a scan, and why he believes his intuition isn't spiritual—it's biological. If you've ever felt like something is off in your body but the medical system can't give you answers, this conversation may change your life. BOOK A CALL WITH JASON If you've been searching for answers and hitting dead ends, working with Jason could open a new door. Jason doesn't promise magic, but after working with over 80,000 people, his track record speaks for itself. If you're curious what he might see in your case, you can book a one-on-one session with him RIGHT HERE.  KEY TAKEAWAYS Hidden Hernia Diagnosis Doctors Missed Chronic Wrist Pain Healed—After Doctors Failed How a Medical Intuitive Sees What Doctors Don't What Jason Actually Sees During a Body Scan Childhood Trauma That Unlocked His Gift Why Intuition Is Biological—Not Woo-Woo The Intuitive Hit That Led a Son to His Dying Mother Addressing Skeptics and Faith-Based Concerns He Asked for One Test. It Saved Her Life How He Delivers Devastating News—Then Lets It Go How Jason's Scans Support (Not Replace) Medical Care How to Book a Call with Jason 80,000+ People Helped, All Through Word of Mouth Jason's Closing Wisdom on Healing & Self-Care Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/594 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

What if the limitations you believe about yourself aren't the truth but a prison of your mind's design? Today, we'll explore how our deepest struggles—feelings of fear, not being enough, or childhood trauma—are rooted not in reality but in subconscious stories we've come to accept as true. Those invisible narratives keep us in a state of suffering and prevent us from reaching our full potential. Peter Crone, known as The Mind Architect, has helped world-class athletes, executives, and everyday people rewire their subconscious beliefs and unlock "the power of infinite possibility." Having tragically lost both of his parents by the age of 17, Peter learned firsthand the pain of loss and the impact of unconscious trauma. But rather than letting it define him, he used it as a catalyst to understand the inner architecture of the mind, and now helps others break free from their own constraints. In this conversation, Peter guides me through a live coaching experience and unpacks the nature of emotional suffering, the origins of limiting beliefs, and why healing starts with awareness. If you've ever felt stuck, burdened by the events in your past, or disconnected from your true self, this episode is a masterclass on navigating negative emotions and returning to a place of freedom, love, and possibility. KEY TAKEAWAYS How early life trauma wires subconscious beliefs that shape our identity The difference between emotional pain and psychological suffering Why affirmations often don't work—and the language used to dissolve limiting beliefs The 10 “primal prisons” that keep us stuck in patterns of fear, shame, and inadequacy How to access inner freedom through self-inquiry and conscious awareness A powerful mindset shift for men and women around emotional expression and empathy Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/593 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

What if the fastest way to unlock clarity, connection, and emotional healing wasn't through another mindset shift but through your breathwork? Don't knock it before you try it. When it's done correctly, breathwork has incredible healing powers.  Even though I've tried to apply breathwork with the S.A.V.E.R.S. in my Miracle Morning, it was usually an afterthought when meditating. But not anymore, and you'll hear about my experience when I truly felt how powerful it was, to the point that I was bawling my eyes out and releasing so much energy. Samantha Skelly is the founder of the world's leading breathwork brand, Pause Breathwork. She's also a bestselling author, international speaker, and host of the Can't Be Contained podcast. For years, Samantha struggled with anxiety, body image issues, eating disorders… you name it. And despite being a personal development junkie, nothing was working. But by reading one book, her intuition told her to book a one-way ticket to Bali to learn about breathwork, and her life was changed forever. In our conversation, you'll learn how breathwork creates sustainable transformation when combined with mindset shifts and the concept of making emotional pain optional by tapping into its power and using breathwork as a tool to make those moments easier to manage. If you're someone who has tried breathwork before but is still unsure whether it works, I encourage you to check out this episode. KEY TAKEAWAYS The duality of life where the moments of pain make moments of joy so much better How your breath is the bridge that connects you to your true self Why emotions stored in the body block your growth How to take convert emotional pain & memories into positive energy Why mindset work alone won't create lasting change without somatic healing Samantha's simple 3-minute breathwork exercise to help remove fears and feel love today Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/592 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Be honest: do you still regularly invest time dreaming of new possibilities for your life?  While far too many of us have given up on our dreams, Jesse Cole is living proof that no matter how low (or broke) we may be, creating the life of our dreams is not only possible, but it's never too late—and today's episode can help you do the same.  One of the most inspiring human beings I've ever met, Jesse dreamt of making it big as a professional baseball player—until an injury put an end to that dream. But where one dream ended, an even bigger one began…  After realizing baseball fans regularly left games early, Jesse reimagined the sport he loved and created a wildly entertaining, fast-paced version of baseball called “Banana Ball” that has taken the sports world by storm with a waitlist of 3.5 million people and over 15 million followers online!  I met Jesse backstage at an event we were both speaking at, where he told me that reading The Miracle Morning (in 2015) and implementing the S.A.V.E.R.S. nearly every day since has enabled him to turn his life around and make his dreams a reality.  è Click here to see a video of the moment we met! In today's podcast conversation, Jesse shares the mindset shifts and simple daily practices that helped him turn his life around and achieve seemingly impossible dreams, which you can model to revisit and begin to achieve your dreams.  KEY TAKEAWAYS How Jesse's mornings start with a purpose and fuel his creativity The power of journaling and creating before consuming How Jesse turned his passion for baseball into a unique and wildly successful league Don't be afraid to fail. Most success stories begin by failing first Why AI will never replace the emotional connection between humans And much, much more to help you achieve YOUR dreams! Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/591 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

In this episode of Pillars of Wealth Creation, Todd sits down with Mike McCarthy to discuss his entrepreneurial journey and the key relationships that helped him scale Keller Williams into a global leader. Mike reflects on how early partnerships and intentional collaboration were critical to building something lasting. The conversation then turns to GoBundance, the mastermind group Mike co-founded for men who've achieved financial success and want more out of life—better health, stronger relationships, greater impact, and more fun. What began as a business-focused brotherhood has grown into a comprehensive life mastermind with deep accountability and support. Mike now spends much of his time leading Fambundance, the family-focused branch of GoBundance. He and Todd talk about the importance of helping entrepreneurial families come together to define shared values, create a rhythm of connection, handle conflict with purpose, and raise kids who are equipped to lead. Legacy, Mike explains, isn't just about financial wealth—it's about how well we prepare the next generation to thrive with it. Book: Loveable by Kelly Flanagan and The Tools by Phil Stutz Pillars of Wealth: 1. Generous and Servant Leader 2. Quit side hustles and pick one business and crush it 3. Multidimensional definition for wealth-more than financial Mike McCarthy is a husband, father, and serial entrepreneur who played a key role in growing Keller Williams into the #1 real estate company in the world. As Regional Operating Partner of the Greater Pennsylvania Region, he leads over 9,000 agents across 50+ offices with more than $23 billion in sales in 2024. Mike is also the co-founder of GoBundance and founder of Fambundance, a unique personal growth platform for entrepreneurial families. A motivational speaker and co-author of Tribe of Millionaires and The Miracle Morning for Parents and Families, Mike is passionate about helping families thrive through shared values, deep connection, and meaningful traditions. If you would like to connect with Mike, you can connect with him on Instagram @gomikemccarthy. If you're interested in Go Bundance, visit https://gobundance.com/ Welcome to Pillars of Wealth Creation, where we talk about building financial freedom with a special focus on business and Real Estate. Follow along as Todd Dexheimer interviews top entrepreneurs, investors, advisers, and coaches. YouTube: www.youtube.com/c/PillarsOfWealthCreation Interested in coaching? Schedule a call with Todd at www.coachwithdex.com Listen to the audio version on your favorite podcast host: SoundCloud: https://soundcloud.com/user-650270376 Apple Podcasts: https://podcasts.apple.com/.../pillars-of.../id1296372835... Google Podcasts: https://podcasts.google.com/.../aHR0cHM6Ly9mZWVkcy5zb3VuZ... iHeart Radio: https://www.iheart.com/.../pillars-of-wealth-creation.../ CastBox: https://castbox.fm/.../Pillars-Of-Wealth-Creation... Spotify: https://open.spotify.com/show/0FmGSJe9fzSOhQiFROc2O0 Pandora: https://pandora.app.link/YUP21NxF3kb Amazon/Audible: https://music.amazon.com/.../f6cf3e11-3ffa-450b-ac8c...

Mike McCarthy joins Travis for an insightful conversation about entrepreneurship, real estate, and the power of masterminds. Mike is a husband, father, and serial entrepreneur with over two decades at Keller Williams, where he has helped build the company into the world's number one real estate brand. As the regional operating partner for Greater Pennsylvania, Mike leads over 9,000 agents across 50+ locations, closing more than $23 billion in sales in 2024. He's also the co-founder of GoBundance, a community for high-performing entrepreneurs, and coauthor of Tribe of Millionaires and The Miracle Morning for Parents and Families. Mike is passionate about helping entrepreneurial families thrive, focusing on collaboration, shared values, and leaving a lasting legacy. On this episode we talk about: Mike's entrepreneurial journey, from selling candy at school to leading a real estate empire The evolution and challenges of masterminds and events, including the launch and growth of GoBundance and FamBundance The current state of the real estate industry, including commission changes and agent resilience The importance of legacy, family values, and creating meaningful family culture Balancing business growth with family life and the realities of “work-life balance” Healthy masculinity, leadership, and building supportive communities for entrepreneurs Top 3 Takeaways Leverage and Leadership: Building successful businesses and communities requires leveraging the right people and empowering great leaders, which creates time freedom and scalability. Legacy Over Transactions: Focus on building a legacy through family culture, shared values, and intentional moments, rather than just chasing financial success. Community and Connection: Entrepreneurial loneliness is real, but joining or creating mastermind groups like GoBundance can provide accountability, support, and a sense of belonging among like-minded high achievers. Notable Quotes “If you're really going to own a business, you need to understand the power of leverage.” “Don't trade millions for moments—you have to decide how important your business is compared to being there for the moments that matter most.” “You've got to find the same kind of crazy. We're like a pack of lone wolves—scrappy entrepreneurs who just kept putting one foot in front of the other.” Connect with Mike McCarthy: Website: gomikemccarthy.com

#874 Here's how you achieve your goals. First, figure out what you want and find the next step you need to take. Next, learn about that one step and nothing else. Then, repeat. This process is the essence of just-in-time learning and the secret to success. I talk all about it in my brand-new book, Lean Learning! To mark the occasion, I have a very special episode for you. Hal Elrod, my friend and bestselling author of The Miracle Morning, is flipping the script and interviewing me about the book. I share how to avoid the just-in-case learning trap and leverage voluntary force functions to overcome fear and build courage. We also discuss micro mastery, finding the right mentors, and how to create the support system you need to succeed. If you feel like you're learning but never actually moving closer to your goals, this is the session for you! Show notes and more at SmartPassiveIncome.com/session874.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We live in a time when there is so much information and technology available to optimize our health, making it increasingly easy to fall into the trap of obsessing and overcomplicating our health. I recently had the honor of speaking at Dave Asprey's Biohacking Conference, and I had an eye-opening realization: sometimes, the pursuit of biohacking can lead us away from peace and into overwhelm.  In this episode, I'm sharing five (5) nature-based “biohacks” that are free and cost nothing to help improve your mind, body, and overall well-being. While there is no shortage of tools and gadgets, such as cold plunges, red light therapy, and PEMF mats, that track every macro—and I've tried them all—we actually have everything we need if we just utilize what nature provides. No matter what your personal goals are, whether it's to lose weight, add muscle, or improve cardio, I believe that improving our health isn't achieved through suffering; it's attained with consistent and sustainable actions that give you the energy and motivation to propel you towards the next step.  KEY TAKEAWAYS How biohacking can shift from helpful to harmful when it becomes obsessive Why peace—not performance—should be your health goal Three questions to ask yourself to simplify your health routine Five nature-based habits that are both free and timeless How breathwork, natural sunlight, and grounding are great ways to reset and calm your nervous system Why learning more can sometimes be procrastination in disguise Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/590 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

What habits help you stay positive in the face of overwhelming adversity? At just 20 years old, Hal Elrod was hit by a drunk driver, declared dead for six minutes, and told he'd never walk again. Later, he faced bankruptcy and a rare, aggressive cancer with only a 30% survival rate. Despite these challenges, Hal found the motivation to transform his mindset, conquer the impossible, and create the life-changing Miracle Morning routine. In this episode, Hal delves into the psychology of habit formation and explains how a commitment to the SAVERS framework can boost mental health and unlock peak productivity, especially for entrepreneurs. In this episode, Hala and Hal will discuss:  (00:00) Introduction (03:32) Reframing Rock Bottom with the Five-Minute Rule (09:04) Shifting Your Mindset to Overcome Adversity (17:11) The Power of Self-Belief in Achieving Success (19:35) What is the SAVERS Framework? (25:10) Goal-Setting with Effective Affirmations (31:04) The Role of Sleep in Visualization (37:10) How Exercise Fuels Health and Wellness (39:38) Reading and Scribing for Personal Development (45:00) Why Entrepreneurs Struggle with Morning Routines (49:56) A Three-Phase Strategy for Forming New Habits Hal Elrod is a keynote speaker, bestselling author, and host of the Achieve Your Goals podcast. He is best known for creating The Miracle Morning, a global movement and bestselling book series that has sold more than two million copies and been translated into 42 languages. Hal's SAVERS framework has empowered millions to take control of their mental health, build sustainable habits, and adopt intentional morning routines. Sponsored By: Shopify - Start your $1/month trial at Shopify.com/profiting. Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  OpenPhone - Get 20% off your first 6 months at OpenPhone.com/profiting. Bilt - Start paying rent through Bilt and take advantage of your Neighborhood Benefits by going to joinbilt.com/profiting. Airbnb - Find a co-host at airbnb.com/host Boulevard - Get 10% off your first year at joinblvd.com/profiting when you book a demo   Resources Mentioned: Hal's Book, The Miracle Morning: bit.ly/The_MiracleMorning  Hal's Book, Taking Life Head On: bit.ly/LifeHeadOn  Hal's Podcast, Achieve Your Goals: bit.ly/AYG-apple Hal's Website: halelrod.com Psycho-Cybernetics by Maxwell Maltz: bit.ly/Psycho_Cybernetics  The Non-Runner's Marathon Trainer by David A. Whitsett: bit.ly/Marathon-Trainer  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap Youtube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Work-Life Balance, Work Life Balance, Team Building, Manifestation, Time Management, Life Balance, Goals, Resolutions.

Transform your mornings for a miraculous life with these positive affirmations. Designed to help you wake up feeling refreshed, motivated, and aligned, this short practice sets the tone for a powerful and intentional day. By focusing your mind with morning affirmations, you'll begin to see the beauty and possibility in each moment. Let this gentle ritual be a reminder that life itself is a miracle, and that cultivating gratitude can transform your entire perspective. Whether you're seeking a mindset shift or simply want to start the morning on a positive note, this episode is here to support you. Embrace the power of affirmations and gratitude—and watch the miracle of each day unfold. #affirmations #morninghabitsforsuccess #morningaffirmations #positiveaffirmations #gratitude #attractmiracles Get ad-free access to the entire WMU catalog + bonus content + 25% discount on WMU courses by joining the WMU Premium Feed. Grab a 7-day free trial of Wake Me Up premium: ⁠⁠⁠⁠⁠⁠⁠https://goodpeoplestuff.supercast.com/⁠⁠⁠⁠⁠⁠⁠   About Wake Me Up Wake Me Up is the # 1 guided morning routine podcast. Our guided morning wake ups offer affirmations, mindfulness, meditation, yoga, and motivation specifically designed to help you get out of bed and start your day with a positive mindset. Stop pressing the snooze button all morning long, and turn on an episode of Wake Me Up instead. You will be happier and more successful at everything in life because of it! Try out our different kinds of episodes to see what you like. And add it into your morning routine every day. Each day, you will be happier than the day before :)   Check out my sleep meditation podcast, Sleep Escape on ⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠ -  ⁠⁠⁠⁠⁠⁠⁠Amazon Music⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠   Want to be more focused? Wish distractions would just melt away? Sign up for the WMU Focus Course! If you're interested in joining, all you need to do is sign up for the course here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wakemeuppod.gumroad.com/l/focus⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow Wake Me Up on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podchaser⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Say hi or request an episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wakemeuppodcast.com/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. See visual guides for the yoga and stretches in WMU episodes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wakemeuppodcast.com/stretches⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. **Only partake in the physical movements suggested in Wake Me Up episodes if you are physically able and in safe surroundings. All movements are done at the individual's own risk. Be safe, and always consult a doctor if you have any questions or concerns.** Have a wonderful day

From an early age, we're taught that the more you know, the better. But times have changed, as must our approach to learning.  More information is overwhelming, confusing, and slows us down. If information alone were the answer, we'd all be exactly where we want to be. The true indicator of success or failure isn't the volume of what you know but how effectively you apply that knowledge. Whether it's consuming podcasts and books or keeping up with social media on top of our work and family life, many of us spend time learning but struggle to implement what we've learned.  That's why I'm thrilled to welcome Pat Flynn back on the podcast. Pat is a long-time friend, beloved author, entrepreneur, speaker, and host of the Smart Passive Income Podcast. In today's podcast, and in his newest book, Lean Learning: How to Achieve More by Learning Less, Pat shares a brilliant approach that can change the way you think, learn, develop, and enhance new skills.  In our conversation, you'll learn the difference between what Pat calls “just-in-time learning” and “just-in-case learning,” how micro mastery enhances our learning process, and how voluntary force functions like setting dates and deadlines helped him succeed in business, public speaking, and even fishing. You'll walk away with new tools on how you can shift your mindset, apply lean learning to any goal, and start making immediate progress—one small action at a time. KEY TAKEAWAYS The difference between just-in-time learning vs just-in-case learning Why we're overinformed, overwhelmed and not productive The power of mentors, support and community to keep you motivated How micromastery reduces overwhelm and helps learn new skills faster How to apply lean learning to your Miracle Morning and the value of teaching others The power of voluntary force functions and adding dates to your goals Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/589 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

On a spring morning in May 2013, Dick and Ruth Foth's life changed forever. While gathered with longtime friends in Estes Park, Colorado, Ruth suddenly collapsed from cardiac arrest. With no pulse and minutes to act, a chain of miracles unfolded—beginning with a rookie officer's CPR and culminating in Ruth's full recovery, with no brain damage.Twelve years later, Dick sits on the porch with Ruth to reflect on that extraordinary day, the people who intervened, the power of prayer, and the deep gratitude that has marked every day since.This is a story of crisis, community, faith—and grace that goes beyond explanation.⏱️ Episode Highlights + Timecodes00:00–00:32 – Setting the scene: birds, trains, and a morning full of memory00:46–02:08 – Ruth collapses mid-conversation after reciting a poem02:08–04:14 – First responders arrive and perform CPR; Ruth is shocked three times04:49–05:13 – Airlift to Loveland; doctors offer a grim prognosis05:20–06:07 – Friends around the world begin to pray; candles light up online06:22–08:13 – A doctor prays over Ruth—and hours later, she wakes up08:24–09:18 – Ruth beats the odds: survival, recovery, and full cognition09:25–11:19 – One year later: apple pie thank-you tour to responders11:19–12:20 – A police captain asks Dick to pray for his team13:00–16:11 – Ruth reflects: family, friends, and Andre Crouch's “My Tribute”16:14–17:43 – Final thoughts on life, love, and laughter

If you've ever been rejected, felt insecure, underestimated, or unsure whether you're "good enough" to achieve your dreams, this conversation will show you how a positive mindset and betting on yourself can turn rejection into redirection that leads to an even better opportunity. In this powerful and inspirational episode, I'm sitting down with Hala Taha—an entrepreneur who hosts one of the top podcasts in the world (Young and Profiting) and built a media empire (YAP Media)—to uncover the story behind her rise from an unpaid intern to one of the most influential voices in podcasting and media.  Hala's journey to success certainly wasn't linear. She's been fired, rejected, overlooked, and discouraged, but with pure resilience and determination, she used each setback to sharpen her skills, build her brand, and expand her vision. You'll hear how she used manifestation and affirmations to break through imposter syndrome and continued stacking skills to build a thriving media empire. Whether you're an aspiring entrepreneur or simply ready for your next chapter, Hala's story proves that you don't have to wait for permission to succeed; you just need self-belief and a positive mindset to get started. KEY TAKEAWAYS Why Hala's Dad has been a huge inspiration in her life and many others A positive mindset can turn rejection into a new opportunity How to create your own lane when gatekeepers say “no” Making the shift from an imposter syndrome mindset to an empowered one The power of skill stacking to fuel long-term success Why self-belief and the pursuit of excellence are business superpowers Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/588 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

One of the biggest contributors of stress that is impacting millions of Americans right now is financial anxiety and economic uncertainty. In fact, according to a recent survey, 70% of the population is feeling the impact of the current economy. Not just mentally, but there's also a physical toll when your overall health, diet, and sleep habits start to slip. With that in mind, I'm sharing tips on mastering your mindset and three (3) simple steps that helped me turn things around from one of the darkest periods of my life in 2008, when I was drowning in debt, to doubling my income in just two months, even as the recession got worse. How did I do it? I leaned into what would become the Miracle Morning and the S.A.V.E.R.S. to focus on improving my financial situation. In doing so, I was able to stop my suffering and depression, regain my peace of mind, and start building momentum again. Whether you're struggling with inflation and the rising costs of groceries and basic needs or simply feeling stuck, these three steps can help you take action today and improve your situation, starting from the inside out. And always remember that your peace of mind is not determined by your paycheck but by your perspective. KEY TAKEAWAYS 70% of Americans are currently dealing with financial anxiety How the Miracle Morning and S.A.V.E.R.S. were created during my own personal financial crisis  Why mastering your mindset is the first step to overcoming financial stress. How to apply the S.A.V.E.R.S. towards specific goals like improving your income Reviewing and cutting unnecessary expenses relieves stress and creates peace of mind Focus on the things that are within your control Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/587 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

The reality is that only way to change your life is to change your habits. Setting bigger goals is fun—but if you don't identify and implement the habits that are necessary to achieving your goals, you'll be setting yourself up for disappointment.  Today, I'm sharing four (4) simple steps that will help you transform your habits, which are so easy to implement that you'll feel like you can't fail. Once they're part of your routine, they become automatic, to the point where I don't even think of them anymore.  Whether you're looking to improve your health, your finances, your mindset, or your relationships, these simple steps will help eliminate resistance and help create new habits that are practical and sustainable.  I'll also share tips on avoiding the common pitfalls that hold people back, aligning your habits with your identity, and how small, consistent changes can completely transform your life. If you've struggled with creating new habits and tend to get stuck in old patterns, you'll be able to take that first step towards the goals that align with who you are and who you want to become. KEY TAKEAWAYS The only way to change your life is to change your habits When you get your habits right, everything else falls into place Creating healthy habits will shape your future. Creating bad habits will sabotage you Most people fail to change their habits because they start too big The four steps to building habits that actually stick The importance of tracking your progress and celebrating small wins Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/586 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

This episode is incredibly long overdue but the stars aligned, and I had the chance to interview someone who has been instrumental in helping me become the man I am today. That person is none other than my mom, Julie Wilson. I can't wait for you to hear her story and mine from her perspective. You've heard me talk about many of the difficult chapters in my life—losing my sister, surviving a near-fatal car crash, battling cancer—but today, you'll hear those stories through the eyes of the woman who lived them right alongside me. And when I say literally, I mean literally beside me. My mom has been through more than most: the heartbreaking loss of a daughter (my sister), raising a rebellious teen (yep, that was me), watching me fight for my life multiple times, and most recently, surviving a serious fall that shattered her heel and broke her wrist. And yet, she remains one of the most joyful, optimistic, and resilient people I know. Her strength doesn't come from avoiding hardship—it comes from choosing laughter, faith, and service in the face of it. Whether you're a parent, a child, or someone simply navigating a tough season with life's curveballs, this episode is packed with love, wisdom, and great perspective. You'll learn how the positive mindset that I have today started when I was very young, why my family chooses to focus on the good things and not on the things that are out of our control, and how my mom lives with unshakable joy, even when life gets tough. KEY TAKEAWAYS How the words “Can't Change It” is more than a phrase—it's our way of life How my mom turned the loss of her daughter into a mission of healing for others Why giving tough love is necessary sometimes, especially when raising teenagers The positive mindset my mom had after a devastating fall from a ladder Her simple advice on true happiness and feeling young at heart That it's better to give than to receive and why my mom is compelled to help others Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/585 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC  

On today's episode of @The CLS Experience, we have a very exclusive treat. Back once again as a regular here, He is the host of the highly acclaimed Achieve Your Goals podcast, creator of the Best Year Ever Blueprint Live Experience, AND bestselling author of the game changing, and world shattering - The Miracle morning book series, but that doesn't scratch the surface of his story. The Miracle Morning, has been translated into 27 languages and is practiced daily by millions of people across more than 70 countries, igniting a global movement to elevate the consciousness of humanity, one morning at a time. Surviving cancer, a horrific accident, which found him actually dead momentarily -and continuing to inspire millions, he's the Executive Producer of *The Miracle Morning Movie*, revealing life-changing morning rituals of the world's most successful people, BIG facts. As a top-rated speaker known for his humor and impactful insights, he's dedicated to helping people and organizations harness and apply unparalleled levels of energy and focus to their daily lives to elevate their human experience. Let's dive DEEP on the The Miracle Morning (Updated and Expanded Edition): Please welcome BACK - the resilient gladiator, the handsome trailblazer, the abundant @Hal Elrod.(14:15) - The Power of Daily Personal Development(26:03) - Exploring Beliefs and Cultivating Desire(30:38) - Starting the Miracle Morning With Kids(38:45) - The Power of Encouragement and SupportCheck out Hal's Book HereTo join our community click here.➤ To connect with Craig Siegel follow Craig on Instagram➤ Order a copy of my new book The Reinvention Formula today! ➤ Join our CLS texting community for free daily inspiration and business strategies to elevate your day, text (917) 634-3796To follow The CLS Experience and connect with Craig on Social Media:➤ INSTAGRAM➤ FACEBOOK➤ TIKTOK➤ YOUTUBE➤ WEBSITE➤ LINKEDIN➤ X

Dealing with trauma and shame from our past can be tremendously heavy burdens to carry—but they don't have to define us.  These horrible experiences often shape our identity, our relationships, and even how we view the world. But one of the most important conversations we can have is how to heal from those experiences. It's my pleasure to introduce you to Daniela Tilbrook. Daniela is a trauma survivor, coach, and the author of the powerful new book, Not My Shame: Healing Childhood Trauma. She shares her deeply personal journey of surviving a decade of childhood sexual abuse, the years of silence that followed, and the transformative steps she's taken to heal, reclaim her voice, and now helps others do the same. You'll hear how meditation and The Miracle Morning were game-changers for Daniela in rebuilding a sense of faith and purpose and helped her shift from surviving to enjoying a purposeful life again. Whether you've experienced trauma yourself or want to support someone who has, this episode offers a message of hope, practical tools for healing, and a reminder that no matter your past, you have the power to choose your future. KEY TAKEAWAYS Why shame is never yours to carry—and how to give it back Daniela's LIGHT framework for healing trauma and reclaiming life How the Miracle Morning helped Daniela shift from surviving to thriving The power of affirmations and daily rituals in trauma recovery How to break free from overthinking, inaction, and victimhood Why finding your purpose transforms pain into power Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/584 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Attract a life better than your wildest dreams by repeating these positive morning affirmations. Every morning is a new miracle of life. Listen every day and experience a positive life full of miracles. #affirmations #positiveaffirmations #morningaffirmations #miracles Get ad-free access to the entire WMU catalog + bonus content + 25% discount on WMU courses by joining the WMU Premium Feed. Grab a 7-day free trial of Wake Me Up premium: ⁠https://goodpeoplestuff.supercast.com/⁠   About Wake Me Up Wake Me Up is the # 1 guided morning routine podcast. Our guided morning wake ups offer affirmations, mindfulness, meditation, yoga, and motivation specifically designed to help you get out of bed and start your day with a positive mindset. Stop pressing the snooze button all morning long, and turn on an episode of Wake Me Up instead. You will be happier and more successful at everything in life because of it! Try out our different kinds of episodes to see what you like. And add it into your morning routine every day. Each day, you will be happier than the day before :)   Check out my sleep meditation podcast, Sleep Escape on ⁠Apple Podcasts⁠ -  ⁠Amazon Music⁠ - ⁠Spotify⁠ - ⁠Youtube⁠   Want to be more focused? Wish distractions would just melt away? Sign up for the WMU Focus Course! If you're interested in joining, all you need to do is sign up for the course here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wakemeuppod.gumroad.com/l/focus⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow Wake Me Up on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podchaser⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Say hi or request an episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wakemeuppodcast.com/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. See visual guides for the yoga and stretches in WMU episodes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wakemeuppodcast.com/stretches⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. **Only partake in the physical movements suggested in Wake Me Up episodes if you are physically able and in safe surroundings. All movements are done at the individual's own risk. Be safe, and always consult a doctor if you have any questions or concerns.** Have a wonderful day

We spend our lives balancing two forces: the actions we take (what we do) and the emotions that shape our inner world (how we feel). Last week, I addressed the first with a podcast episode titled The Shortcut to Self-Discipline (click here if you missed it), which teaches how we can get ourselves to do what we need to do, when we need to do it—whether we feel like it or not.  This week, I'm giving you The Blueprint for Inner Bliss.  What is inner bliss?  It's that state of genuine and sustained contentment, gratitude, and joy that doesn't depend on external events and enables you to maintain optimal mental and emotional states, even when life feels chaotic, uncertain, or out of control. KEY TAKEAWAYS Why fulfillment comes down to two things: what you do and how you feel The 3 pillars of inner bliss and how to practice each one daily How comparison keeps you from happiness—and how to break free from it Why defining your purpose doesn't need to be perfect A simple, powerful morning practice to cultivate peace and fulfillment Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/583 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC