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Keith shares his "dirty dozen" due diligence questions every investor should ask before buying property, from gauging build-to-rent saturation and local job growth to testing cash flow and exit strategies.  He explains why even new-builds still need inspections and how to think about rents that may stay flat while expenses rise.  Aundrea Newbern, an experienced investor, broker, and property manager active in Southeast Georgia and Michigan, offers a real-world look at today's long-term and short-term rental markets, including shifting tenant behavior and local restrictions.  She also details how she's using AI to streamline property management, improve screening, optimize pricing, and cut maintenance costs, giving listeners practical ideas to apply in their own portfolios. Episode Page: GetRichEducation.com/610 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host, Keith Weinhold, talking about vital due diligence questions that you have to know the answers to before you buy your next property. Even advanced investors don't know to ask some of these. Then a terrific guest tells us how she is practically applying AI to increase rental occupancy, save on maintenance expenses and drive rental income today on Get Rich Education.   Speaker 1  0:28   Since 2014 the powerful Get Rich Education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord show host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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 getricheducation.com   Keith Weinhold  1:11   You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes.com / G R E.   Speaker 2  2:57   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  3:13   Welcome to GRE. I'm your host, Keith Weinhold. The world's biggest problems are also the world's biggest businesses. That's not a coincidence, and it squarely includes the problem of having enough quality housing. We talk about how to do that profitably and diligently, and on the topic of diligence, I've got a dirty dozen due diligence questions, call it I suppose these are smart questions to ask before you get under contract to buy your next property, and some of these could just as well apply to your existing rental property. Build to rent properties have become so popular, but ask the question, are these build to rent properties becoming overbuilt in this neighborhood? That's the first due diligence question, and a lot of investors overlook this, so you got to be mindful that build to rent often means lots of new construction in one smaller defined area. What you should do is ensure that new supply is being absorbed by renters. Some red flags to look out for are if multiple nearby communities are offering heavy concessions or free rent enticements, that is a sign that they're having difficulty luring in new renters to the area, and now taking a couple months to rent a brand new build isn't that unusual, but does the whole thing kind of feel like a mattress liquidation sale? Renters shouldn't have more signing bonuses than NFL free agents. The next due diligence question: Does this market still have population? And job growth, or am I late to the party? New workplace construction is a bullish market sign. Workplace construction, I'm talking about like a new office building, especially a new medical clinic, a new data center, a new factory. These signs are super bullish for an area, because not only does that attract the jobs and support the housing, as you can imagine, but see, that also means that whomever built the new workplace, oh, they probably did some research, and they're bullish about that area for a reason, they're going to look into that and do their due diligence that you can leverage before they spend perhaps 10s of millions of dollars or more in building a new workplace.    Keith Weinhold  5:45   The population should be stable or rising. Red flags are if growth already peaked and layoffs are increasing, don't arrive late to the party after the DJ has already packed up. The next question, when you're looking into a property, is is this unit likely to cash flow on day one? You know, you need to wonder, is the unit occupied or vacant. Some investors don't even think to ask that question until they get down the road a ways. When it's occupied, does the rent meet or exceed expenses with a buffer for maintenance and vacancy, now, if it's negatively cash flowing and you're solely enjoying the other four ways real estate pays, that might be okay, but you need to be comfortable with adopting a monthly bill that may or may not work. And do you know what I call a negatively cash flowing property? I call it a 401k property, because you have to keep feeding it every month like it's a 401k. A negatively cash flowing property effectively reduces your salary like a 401k does, and anyone that is serious about building real wealth when they're young enough to enjoy it would not invest in a 401k outside of the employer match portion.    Keith Weinhold  7:07   I'm your host Keith Weinhold. Here on Get Rich Education, episode 610 I've answered three out of twelve dirty dozen due diligence questions, and with abundantly minded grow your means answers that you're just not going to find on ChatGPT. Before I get to the fourth one, do you know what the word diligence means? Anyway, you probably have some idea. The definition of diligence is the quality of working carefully and persistently, demonstrating steady effort and thorough attention to a task. It implies a strong work ethic, meticulousness, and a commitment to completing duties well. All right, that is the definition. Diligence is the opposite of negligence. The next one, does my new build property need an inspection first? And this is a question, actually, that came in from Jake in Manhattan. Yes, it always does, whether it's resale or new build. It is always a good idea to get an inspection. One of the biggest misconceptions, really, is that new build means problem free.   Keith Weinhold  8:16   People just equate new build with problem free. No, that is not the case. New build can have problems. There could still be foundation cracks that are beyond normal settling, perhaps improperly installed roof flashing that could cause leaks, maybe windows or doors that are installed out of square, and a bunch more stuff that could be wrong, even in new build a presale inspection after you get the property under contract that only costs 350-650 dollars for single family rentals and 500-900 dollars for a duplex. This is cheap insurance. It's also good peace of mind, get it done. Sometimes investors want to skip the inspection when they need a quick close. Buyer, beware of the risk. The fifth due diligence question: What happens to my numbers if rents flatten for two years? And this is a more germane question than usual today, because rent growth is slow here in this cycle. Single-family rents are up just 1.3% year over year per totality, and expenses tend to rise with inflation. All right, so if your rents flatten for two years, project that ahead like your other expenses are rising, and see that the property would still remain financially stable. We cannot build a business plan on motivational quotes. Next, am I buying near major employers or near hopes and dreams with work from home trends, which can probably better be called. Called work from anywhere, trends buying near major employers is actually less important today, but it still matters. It is good to have diversified employers and stable payrolls somewhat nearby. Promises about future development might never happen. Sheesh, some areas have been up and coming since cassette tapes, the seventh due diligence question, what's the property tax trajectory here? That's the question. Taxes are often stable and increases predictable, but is there a local budget shortfall? And see, this is the type of due diligence that few people do keep in mind, and I'm bringing up new build a lot, because there are so many new build income properties today on new builds. Also, look out, year one taxes can look deceptively low until improved property is assessed in year two, and any reputable provider, and when you contact our GRE investment coaching here, we're going to point that out to you.    Keith Weinhold  11:05   This is how you can, though, sometimes get unusually low property taxes in year one if they have not assessed the improvement yet. Question eight, and this comes from Violet in Peoria, Arizona, is the builder offering real incentives, or are they just hiding the true price? Okay, well, incentives - they should genuinely improve your deal without inflating the pricing. Here, look out for sunglasses and a fake mustache for financing. It's mandatory that you have an appraisal. This protects you against overpaying in an appraisal, even though it's done for bank collateral purposes, checking the quality of their collateral, which is the property, you know, it is also a good independent third-party valuation check. This is a good tool to keep you from overpaying. Back around the 2008 days, the global financial crisis, you know, often then the lender and the appraiser could collude to give you favorable appraisals, somewhat inflated values, and as it turned out, I was an investor then and ended up being the beneficiary of some of those favorable appraisals, but since then the CFPB, the Consumer Financial Protection Bureau, stepped in. They were formed to step in, so that those parties are no longer in cahoots with each other, and yes, incentives are explicitly disclosed to the lender and appraiser. For example, if you have a seller that offers to pay half of your closing costs if you pay their full sale price. Okay, the appraisers do know that they have that information before they provide you with the appraised value. Ninth, what's the vacancy rate in this area right now? This is a good due diligence question to ask. A balanced market has about five to 6% vacancy, eight to 10% or more. That can often be the sign of a weak market, but this might be all right in build to rent communities, and that's due to longer initial lease up periods that you have there. Due diligence question 10. Would I still want this property if appreciation slowed dramatically? You want to ask yourself this question because you cannot predict appreciation. The answer to this question is most likely yes.   Keith Weinhold  13:35   You would still want the property even if appreciation slowed dramatically, because as a listener here, you understand that with a 20% down payment, just 2% price appreciation creates a 10% return on your equity, and you're also benefiting from the other four ways real estate pays, but if you're absolutely counting on appreciation to do all of the heavy lifting over the long term, that's less investing, and that is more hoping with spreadsheets. What's more predictable is something like inflation profiting on your loan, which is a force on its own. Next, ask this question: How old are the big ticket items like the roof, HVAC, plumbing, sewer, and electrical? I mean, if you get a number of expensive items that are near the end of their life, you could soon become emotionally attached to ibuprofen. At GRE Marketplace, we work with either extensively renovated properties or new build properties, so this is rarely a concern. These big capex items, capital expenditures, and that is really the way to go. Extensively renovated or new build property, because see that way the cost of having all this done for you both. Before you buy the property, that means that what you're essentially doing is financing the cost of all this into the loan, you're financing into the new roof, HVAC, plumbing, sewer, electrical, if any of that applies, and if you're buying a fixer upper, well, then a lot of times you need to pay cash for these items, and you lose repair time where the property could have been rented during that renovation time. Work with our investment coaching here, and you're going to be all set. Those big ticket items are rarely a concern. And then what happens is, if you have a break even or a positively cash flowing property. The tenant covers all of your operating expenses with the rent payment, and you never have to pay any money at all for these big ticket items. They pay for your mortgage and everything else, and you never lose the time because these things were done before you bought.    Keith Weinhold  16:01   And the last one question 12. What you want to ask is, what's the exit strategy if I ever want to sell? That's the last question. Begin with the end in mind. The fewer doors the property has, the easier it is to sell. Single family homes win big here. I mean, your eventual buyer down the road, they could be a gleeful owner occupant, even if the rental math were poor. That buyer wouldn't even know that the rental math is poor, because they're not renting it out, they're going to live there themselves. Sometimes your single family rental tenant even becomes your eventual buyer. This can work with duplexes too. Sometimes you can get an owner occupant, or your tenant stays there and continues to reside there as they're the owner, and they rent out the other side as well. But if you're trying to sell at 30 duplex, well, now you're exposed to cap rates and investor sentiment and market cycles, it's sort of like trying to offload a small corporation. That doesn't mean that apartments are bad, but they are substantially less liquid than single family rentals. That's your exit strategy that we're looking at. They are the dirty dozen due diligence questions every investor feels bumps, I have you will too, but these questions and answers are really going to go a long way toward helping you own right, and when you stick with it, real estate is a forgiving and lucrative asset class because you're paid in so many ways. Hey, coming up shortly, a guest that you haven't heard from in a while, and I know that some of you have missed hearing her voice. We'll talk a bit about the state of the real estate market here in a period where prices are remarkably stable, housing transactions are only about 80% what they usually are, and then we'll discuss how she's using AI in her real estate investing today. It's how she's increasing her occupancy and optimizing the amount of rent being collected. She splits her time in a couple ways between real estate markets in both Michigan and Georgia, and then in both the short term and long-term rental markets. That's next. I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine?   Keith Weinhold  18:31   You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property, they'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chayley Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate, it's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they've built real credibility. Go to Freedom Family investments.com to book a clarity call, or text Family 266-866 that's Family 266-866,    Speaker 3  20:02   Hi, this is Russell Gray, co-host of the Real Estate Guys Radio Show, and you're listening to Get Rich Education with Keith Weinhold. Don't quit your daydream. We've got a special treat for you today is for the first time in a few years we hear from someone that's served since 2020 in house here in both operations and as an investment coach. Today she serves GRE in a different capacity internally, but a lot of you still ask about her. That's why she's here. She's got both the formal education with her MBA, and is about as robust in being a real estate investor as you can be at the same time. Oh, it's a warm welcome back to the talented Andrea Newburn.   Aundrea Newbern  20:51   Hey, Keith, it's so great to be back. It's been a long time.   Keith Weinhold  20:54   Well, you've continued to grow not just in your business but in your family size since you were last here. Congrats there. I'd like your thoughts, just generally, about the American residential real estate investment market today, where we've got these sort of rising prices in low supply areas, we have slightly falling prices in oversupplied areas, we've got mortgage rates that have normalized, we've got tough affordability for renters that want to be first time home buyers, so just tell us about what you see, big picture. Andrea,   Aundrea Newbern  21:28   Yeah, absolutely, and so I invest and operate predominantly in the Southeast, so this will probably be a little bit more of a lens from the Southeast market, but as you know, I still actively invest in real estate myself. I help, you know people buy rental properties, also. But then the main thing that I'm doing now is I have a property management company down in Southeast Georgia, and so I'm seeing things more from the lens of what investors are doing, where they're investing, where rents are going, and if people are even buying properties. So it's been a little bit interesting. I mean, what I'm seeing is that, as you all know, it slowed down. We're not seeing as many investors buy properties, but people still are doing it, and they're still finding good cash flowing properties. Where the challenges come in is you're not making as much money on these properties as you did four or five years ago, so you know your margins are going to be a little bit less, your cash flow is going to be a little bit less. And then we're seeing, you know, rents kind of stabilize depending on the type of asset class that it is, so you know things are not doing wonderfully, but they're stable from what I'm seeing in the southeast market,   Keith Weinhold  22:31   and now you do a good bit of investing in sort of Brunswick and out toward the Georgia coast, including places like Jekyll Island, where G. Edward Griffin wrote his book about the formation of the Fed, and all that in general. How has that area been from a residential supply standpoint? For example, we know in neighboring Florida they've had a lot of oversupplied pockets. How are we looking there? I think you have a lot of occupancy right now from talking to you earlier.   Aundrea Newbern  22:59   We do, so I manage two different types of investments, right? I manage the long-term rental properties. There's less of those like on Jekyll Island, there's more of those in the mainland and Brunswick. And then we do the vacation rentals, which is very, very heavy on Jekyll Island and St. Simons Island. What we're seeing this year, if we talk about maybe those vacation rentals first, and then I'll talk about the long-term vacation rentals, we're still seeing a lot of demand, a lot of people are still coming. We're not really down from this time last year, but the one big thing we're seeing is people are booking their vacations last minute, they're not booking them months in advance at this point. So that's definitely had a little bit of an impact and had us on edge, because we're like, okay, where are these vacations? And then, sure enough, they're booking a couple weeks out now, so that's going really well. The investors that have purchased homes on Jekyll and St. Simons, especially Jekyll, are doing really good. They're still making a lot of money. They have high occupancy. Where are we seeing a little bit more of the challenge is with the long-term rentals. So rents are kind of staying flat from where they were last year in some of those B and C markets. We may even see a slight decrease, just a couple percentage points, and then it's taking longer to fill the property. So last year we could typically get a qualified runner in in three to four weeks. Now we're seeing anywhere from five to eight weeks. Right now,   Keith Weinhold  24:11   as far as on the short term side, have restrictions affected you at all, like banning Airbnbs, for example, and how have you seen that play out in other areas? Because you certainly network with other people that do short-term rentals. Can you tell us about that?   Aundrea Newbern  24:26   Yeah, absolutely. So I can talk about the Southeast market, for one, where in Jekyll, St. Simons, Brunswick, we're seeing no rental restrictions whatsoever. We do have to have a process to register the rental with a county, but it's so easy. It's literally a form. We do an inspection once a year, and that is it. I don't know that this is a fact, but a lot of the commissioners and politicians in the area also have rental properties. I think that probably has a little bit of an impact on that up here in Michigan, which, you know, I have another home, and I live in Michigan part of the time as well. There's a lot of restrictions, in fact, my. House right now is in Sterling Heights, Michigan, and they already have a rental ban where you can't do less than 30 days, so you're already having to go into that midterm market, and now they have some proposals up with the local municipality to even eliminate some of that, so we're seeing that in this area.   Keith Weinhold  25:17   Generally, do you tend to see it in nicer, ritzier areas where they want to make the short-term rental restrictions.   Aundrea Newbern  25:24   Yes, I do. Absolutely. Up here in Sterling Heights, where I live, the average home of my neighborhood is around five to six hundred thousand dollards and they absolutely do not want those here. But if you go a few neighborhoods over, where you're looking more of like the two hundreed to three hundred thousand dollars range, they don't seem to have as much of an issue with those. There   Keith Weinhold  25:40   We've been talking about short term rentals in both Southeast Georgia and then in Metro Detroit, where you currently spend quite a bit of your time. Talk to us about the long term rental market with affordability for buying being down, that really hurts the prospective first time home buyer, so they need to be more likely to rent, which would make some people wonder. Oh, well, then how could vacancy possibly go up in an area? Well, you know, migration - we've touched on it - is one reason why that might happen. Another reason why it might happen is you might see more doubling up.   Aundrea Newbern  26:15   Yeah, we do. We see a lot more families coming in. In fact, last week we just rented a property out to somebody where the parents were renting with their children, their grown adult children that also had kids, they're getting bigger houses, right? So they're actually feeling that need to fill up some of our larger homes, but it's multi-generational now. We are seeing a lot more roommates come in, too, instead of two roommates, you'll see three people come in and get a house together. The other thing we've noticed that's been really drastic, maybe the last three or four months, is the debt load that we're seeing. So, when we run people's background checks and look, they've got a lot of credit card debt now. We didn't see that as much years prior.   Keith Weinhold  26:50   All right, so you're seeing that at the street level, that's a statistic that we can read about, that American savings rates are down and the proportion of debt is often up. You're seeing it in real time, there. Do you see potentially, Andrea, this propensity for people to want to sort of bend things and have someone that's not on the lease live there with them in order to cut costs? So, you know, is there really anything in this environment that we really need to be careful about when we're screening tenants with them having such a debt load, and having to struggle with inflation and rising prices.   Aundrea Newbern  27:23   Yeah, absolutely. The debt load, number one, you know, we'll see them increasing, and that's something we want to keep an eye on. So, we're having to kind of retool our policies to look more critically at that debt load. They may not be delinquent on anything now, but if we've seen it gone up significantly in the last few months, I bet you it's coming. So, we're trying to retool our policies to be able to deal with that, you mentioned people having unauthorized tenants in the home that has persistently been an issue for us, maybe the past year. We find this often that that's happening, and usually it's because that person wouldn't qualify on the application, but they still bring in money and can help with the rent. The third thing, and this is with the advent of AI, right, how big AI has come is, we're seeing a lot of documents that are clearly fraudulent, but they look really, really good, because AI has created them. So that's another issue.   Keith Weinhold  28:09   Gosh, that's interesting. Well, I want to ask you more about AI, and you know, Aundrea, America is in such a weird time with AI today. You probably saw it at these college graduations across the nation, where a luminary is up front at the lectern making a commencement speech, and they get booed by students for talking about embracing AI, and that's probably because the student feels threatened about AI taking the job that they might not get, and you know what's funny, I suspect there's some of those same students, they loved it when AI helped them write an essay in order to get to graduation and wear that cap and gown, so..   Aundrea Newbern  28:51   Absolutely.   Keith Weinhold  28:52   Yeah, that's what I knew when I say that we're in a weird time with AI, but I know that you've really embraced AI as a property manager and investor almost from the get-go to make your property operations more efficient, so that you don't have to raise prices on owners, and you can keep those owner expenses down and increase resident retention at the same time. So, tell us more about how you're using it.   Aundrea Newbern  29:16   Yeah, so my team, I think, hates me for this right now, but in the last six months we have literally changed our operations front to back in a few different ways. Number one, we've changed the systems that we use, so you know, for vacation rentals as well as long-term rentals, you have your property management system that kind of streamlines everything, and that you do everything in. We've started going to platforms that are a little bit more AI friendly, so they have AI agents built in and they have AI functionality already in them, so that we're not having to purchase additional tools to come in and add them as a layer on top of our systems. So that's kind of the basic thing that we're doing, but the other fun things that I've been able to do, and I'm still, you know, working on this, and we're refining it daily, is using AI actually as kind of like a virtual assistant, essentially. So we do have virtual assistants with a company, and they're great, and we love them, and they do a wonderful job. However, they're human, so they're not perfect, but these AI agents, once you've trained them to do a lot of the back office tasks that your virtual assistants can do, after a certain number of iterations and training, they don't really make mistakes. So knowing that we have that, and we can continue building on that. We don't have to add FTE to our team, which increase our labor costs. That's allowing us to not raise our prices on our clients, and which I'm sure they're all happy about, because other property management companies are doing that right now,   Keith Weinhold  30:33   Right, so property management companies are going to have to do this to stay competitive and keep up, whether they want to or not, and when I think about using AI in real estate, you know, one of the first things I think of, just say that tenant journey from attracting the tenant to placing them. When I think of the cutting edge, I think of help with marketing and writing advertisements, which I think is kind of a simple thing to do, sort of an easy way to implement AI, and also when I think about that early part of the journey, really I think about using AI as a leasing assistant, and sort of how you see that more, the 24/7 front desk, if you will. I mean, if you have an AI leasing assistant that can answer questions for your prospective new tenant and follow up with leads that can be a big deal. I mean, a lead that sits unanswered for six hours, they just kind of turn into a cold French fry, and instead AI can answer those questions and schedule that tour. If a prospective tenant asks the same question four times, you know the AI doesn't get frustrated and leave out some sigh. So, can you tell us more about kind of that front end, the marketing, and then the leasing end? Are you using AI as a leasing assistant essentially?   Aundrea Newbern  31:47   We are. So, if we talk about maybe the marketing piece of things before we get into the leasing, we're not using as much AI with marketing at the moment. I have had it write some copy for me for some marketing, and I'm not usually crazy about it. I still think it looks like AI right now, so we're having to do a lot of changes with that, but what it has done a really good job at helping us out in the last few weeks is have it go analyze your website, have it analyze how you come up in search functions, right? So, if somebody's going to Google or if they're going to Gemini or they're going to Chat GPT, what's happening with your website and your company when people are looking for property managers, for example, it does a very thorough check on that. It's also really good at reviewing your website and telling you where you have gaps in terms of maybe you need to, you know, change something here or there, or you have certain links that are not helping in your search functionality. So, I think it's really good as far as analyzing stuff. That's kind of about all we've done as far as marketing, as far as a leasing assistant goes, this has essentially been like the biggest lift I think we've had from AI, period, in the last couple years. So, maybe a year ago, we implemented a software, and I'm going to leave the name out, because I'm sure you know I'd rather not do that, but it's a software, and there's a bunch of different options that you can use for this, but essentially it collects all of our leads for us, so we set it up, you know, we set criteria for the type of tenant and our policies for, you know, what type of tenant would qualify, and they call in or message or email this number or this email address, and the AI essentially goes through and asks them a series of questions, lets them know if they would potentially qualify or not. If they would not, then it will not allow them to schedule showings for any of our properties, if they would, with no exceptions. Then we can go ahead and get them scheduled, and the AI actually goes through and gets them scheduled as well. So it is a huge help for us.   Keith Weinhold  33:30   That is really nice. Okay, helping out with tenant screening, there can it arrange tours, put them on the calendar, then if they're qualified.   Aundrea Newbern  33:40   Yes, it actually gives them an option and shows them all of the dates we have available, so the person can go ahead and schedule their showing. It can provide updates if we need it, so if we change our policy, it can send that out to the tenants for us as well. So that process I would say is about 90% automated right now. It doesn't really take much human intervention, except for us to review things and make sure there's nothing kind of wonky with the schedule or anything like that.   Keith Weinhold  34:00   Okay, so if they're qualified and interested, the prospective tenant can fill out an application, and then is AI assisting on the screening, and are you still meeting with them in person before they get the keys and sign the contract?   Aundrea Newbern  34:14   Yes, and no. So we still do meet with them in person to be able to do like that walkthrough of the property and make sure we're documenting issues, and all of that, which, by the way, I think in the next year that'll probably be automated as well, but we're not quite there yet. They do not have to come in in person, in terms of signing the lease or anything like that. That's all done remotely. If they want to, they can, but we really don't have to meet with them until it's time for move in at this point.   Keith Weinhold  34:36   All right, we're seeing the evolution of AI since it was really Chat GPT that was pioneering and rolling out in November of 2022 so we're coming up on four years of really this activity being integrated into our lives, and I think we both know that it's only going to get better from here, so when we have a tenant that. It's actually placed, of course. I often like to say they call the discipline property management, but it could probably very well be called tenant management. And I think, about, you know, is everything okay after the tenants there? As far as AI having a maintenance triage function, if there's a maintenance request, of course, you're going to want to prioritize something differently if it's a big plumbing leak that's damaging the subfloor versus just having a slow drain, you know. You probably want to be sure either one of those things are taken care of, but one is going to get priority over the other. So, can you tell us more about after that tenants place the maintenance triage and using AI there?   Aundrea Newbern  35:38   Yeah, so we've pretty much automated the maintenance process in the last year, other than, you know, actually making sure the vendor went out and did what they were supposed to do. So, right now, with us, a tenant has to go in, unless they have a disability and can't do it, of course, but they have to go in and put in any work orders through our system, and essentially what happens is we've created kind of a workflow, so here's the issues of the types of things that would not be considered an emergency unless they answer, you know, certain questions a certain way. Here are the things that are emergencies and requires to go out pretty much no matter what, right? For the things that are non-emergency, or they're not clear in what the actual issue is, which is probably the number one problem we have, is they say, 'My lights aren't working, that's it, we don't know anything else about it, and then come to find out it was just a light bulb, or come to find out it was just their breakers tripping. The AI actually goes in and analyzes what they put in as the issue and selected, and then asks them a series of questions, and then, based on their responses, it actually tells them what to go do to troubleshoot it. We're seeing right now with data, it's eliminating maybe about 40% of the things that we would send somebody out for, yeah, it is huge, and the tenants are doing it, and they're not really pushing back or having issues with it most of the time, but then there are certain things that AI can't quite figure out, we're still training it on, so we do have to send somebody out or call, but it's having a huge reduction in us having to send folks out for this.   Keith Weinhold  36:56   Okay, yeah, we're not talking about completely eliminating humans, but that's huge, if they can have AI give them the answer to maybe some routine maintenance thing, probably that they could have gone and found out on their own, but yeah, that saves 40% of maintenance visits, that's a big deal. All right, so not too much backlash from tenants, not saying, like, oh, hey, I don't want to be talking with your robot, come on, not so much of that.   Aundrea Newbern  37:20   No, not yet. Now we are looking right now at implementing an actual AI agent that would answer the phone to handle these types of just maintenance issues, nothing else but maintenance for right now. And we've tested out a lot of different softwares that do this. Some are better than others, but none of them are perfect yet. And I could call and definitely tell I'm talking to AI, maybe some people couldn't. I feel we're probably going to have a little bit more blowback when that starts getting implemented and rolled out.   Keith Weinhold  37:44   Yeah, I imagine people are just going to get more and more used to this, you know. I wonder, how much AI is helping you with rent pricing, what amount to set the rent for. I mean, for example, isn't it interesting if AI knows that, hey, a bunch of units in the neighborhood all around you, they already have high occupancy. It's really tight in this sub market, where maybe it would advise you to bump up your rent. So, tell us about how AI is helping you with rent pricing.   Aundrea Newbern  38:12   Yeah, so you know, as a broker, I obviously have access to the MLS, which we use for a lot of data, but then sometimes there's rentals that are not on the MLS, so you know an owner went and listed it themselves, and I actually have an agent that their task is to go in every couple of days, and they'll analyze any of our existing listed properties that we have that are not occupied. We're still waiting on somebody to apply, and it'll go and tell me, "Hey, is anything else been listed? Has anything that was out there when we did our review two days ago? Has anything closed? Can we figure out, you know, what price it rented for? Sometimes it can, sometimes it can't, but it'll provide me a report every two days, automated, in my inbox for me to be able to look at on that. So it's really nice.   Keith Weinhold  38:51   Wow, this could be hugely useful. Yeah, or imagine on the flip side of that, if AI detects that there are a lot of vacancies in your area that, hey, you probably don't want to get so aggressive with rent increases. In that case, was there any last way that you're using AI in real estate? Maybe something I didn't think about asking you, Aundrea.   Aundrea Newbern  39:10   If we talk about long-term rentals, not as much. I think you kind of hit on the main things that we're using it for right now, but if we look at vacation rentals, it is doing a lot more there, I think, at the moment than it is long term. So, for example, pricing - we have dynamic pricing that we use for all of our vacation rentals, and the dynamic pricing isn't perfect, so somebody still has to physically go in and make sure no tweaks need to be made, that there's nothing weird going on in the software. I now have an AI agent that, that is their number one job. They go in once a day, they review all of our pricing. They let me know whether we need to adjust it up, down, change our minimum days, maximum days, and we make the adjustments. We're training it now to actually do those for us, but we haven't let it do it yet, so we're still waiting there. It's still waiting on its approval for me to do that, but things such as pricing, things such as going through and analyzing guest feedback, or guest. First tone, even in messages, it's providing me reports on that daily, so I can help identify problems that are maybe small problems before they become big.   Keith Weinhold  40:07   It makes sense that it would be more applicable in short-term rentals with all the turnover that you have there. Well, Andrea, let us know if there's a way for our followers to keep up with you and what you're doing, because people still ask about you here. You're so well liked. Let us know.   Aundrea Newbern  40:26   Yeah, so there's a couple of ways. If you're wanting to kind of see what we're doing with property management or our company, you can go to goldenaislesretreats.com There's also for a way for you to get in touch with me there. You can also check me out on LinkedIn or on Facebook, so I'm there as well, and I'd be happy to connect with anybody. I miss our listeners.   Keith Weinhold  40:43   Oh, Andrea, it's been valuable. It's been great having you back.   Aundrea Newbern  40:46   Thank you, Keith.   Keith Weinhold  40:53   Yeah, great to hear from Aundrea again on the show. It has been a few years. If you use professional management like I do, they will most likely be applying AI in a lot of the ways that we discussed. Coming up on the show soon, a life coach that's had a profound effect on a number of guests that we've hosted here on the show over the years. He has agreed to join us. He doesn't do a lot of appearances like this, so it'll be great. We'll hear directly from Daniel Thomas Hind, and how he transforms the lives of so many business people and investors professionally, physically, and mentally. I'm confident that it's going to help you get more out of life too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 1  41:45   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  42:13   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.

Skid Row homeless claim they've been paid to vote for Karen Bass and Nithya Raman, Trump announces new strikes on Iran, Mike Cernovich and Rep. Riley Moore  join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Rumble Wallet: Take Control of Your Money Easily with Rumble Wallet. Download now at https://rumblewallet.onelink.me/bJsX/Benny. Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Learn more about your ad choices. Visit podcastchoices.com/adchoices

GamecockCentral's Wes Mitchell and Chris Clark give their 2 cents on the Kevin Schnall hire, give the latest on South Carolina football recruiting, and dive into the Gamecocks' EDGE room. Thank you to our sponsors: ** PRESENTING SPONSOR: Clint Hammond of CMG Home Loans | ClintHammond.com | 803-422-6797 | NMLS # 71597 ** Fairey Chevrolet | https://www.faireychevrolet.com/ Atsko | https://www.atsko.com/

A family is suing an Oregon hospital after a heart valve was installed upside down. But there's a twist that you'll never see coming, and it could just be our greatest strength. So, is it happening? Are we going to see the return of "fiery, but mostly peaceful" protesting in the wake of the Karmelo Anthony verdict? We had boots on the ground outside the courthouse to see what the protesters were saying. Speaking of protests, Belfast is over it. After the attempted beheading by a Sudanese asylum seeker, the people have taken to the streets. Will it last long enough to get rid of the Leftist government or will the outrage be short-lived? Only time will tell. GUEST: Nick Di Paolo Link to today's sources: https://www.louderwithcrowder.com/sources-june-10-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Download Rumble Wallet now and enjoy the benefits of financial and personal freedom! https://rumblewallet.onelink.me/bJsX/crowder Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Perspective is important in politics. Jesse Kelly imagines what life would be like under Democrats and touts some of the biggest accomplishments of Trump's administration so far. He then speaks with AAG Harmeet Dhillon about some serious actions being taken by the DOJ. Jesse also chats with Senator Ron Johnson about the latest happenings in the Senate. Plus, a hard discussion about the media with Curtis Houck of Newsbusters.I'm Right with Jesse Kelly on The First TVPureTalk: Support America’s Warrior Partnership and cut your phone bill today by switching to Pure Talk at https://PureTalk.com/JESSETVAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334 https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Jesse Average savings based on borrowers who save over $199.99Choq: Visit https://choq.com/jessetv for a 17.76% discount on your CHOQ subscription for lifeFollow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Karmelo Anthony begins his 35 year prison sentence after being found guilty of murder, Belfast in flames as protests erupt, Stephen Davis, Rep. Byron Donalds and Rep. Brandon Gill  join the show. American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Rumble Wallet: Take Control of Your Money Easily with Rumble Wallet. Download now at https://rumblewallet.onelink.me/bJsX/Benny. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Triggernometry is proudly independent. Thanks to the sponsors below for making that possible: - MassZymes by BIOptimizers: digestive enzyme formula. CLICK https://bioptimizers.com/trigger. Use code TRIGGERNOMTERY to get 15% off your order and a free $20 bottle of MassZymes - Füm: Head to https://www.tryfum.com/Trig and use promo code TRIG to get your free gift with purchase, and start The Good Habit today! - Figure: Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan. Unlock your crypto's potential today at Figure! https://figuremarkets.co/triggernometry - Claim $50 when you Deposit $500. Disclosures Figure Lending LLC dba Figure. Equal Opportunity Lender. NMLS 1717824. Terms and conditions apply. Join our exclusive TRIGGERnometry community on Substack! https://triggernometry.substack.com/ OR Support TRIGGERnometry Here: Bitcoin: bc1qm6vvhduc6s3rvy8u76sllmrfpynfv94qw8p8d5 Shop Merch here - https://shop.triggerpod.co.uk/ Advertise on Triggernometry: https://trigger-brands.com | or enquire at marketing@triggerpod.co.uk Find TRIGGERnometry on Social Media: https://twitter.com/triggerpod https://www.facebook.com/triggerpod/ https://www.instagram.com/triggerpod/ About TRIGGERnometry: Stand-up comedians Konstantin Kisin (@konstantinkisin) and Francis Foster (@francisjfoster) make sense of politics, economics, free speech, AI, drug policy and WW3 with the help of presidential advisors, renowned economists, award-winning journalists, controversial writers, leading scientists and notorious comedians. 00:00 - Trailer 00:47 - Why Everything Is Getting More Expensive 06:43 - Debt, Inflation & The Bill From Lockdowns 15:42 - Ad: BiOptimizers 17:39 - The Housing Crisis & Why Young People Can't Afford Homes 24:32 - Why Britain Is Getting Poorer 32:45 - Ad: FÜM 34:11 - Tax, Rent Control & The Policies Making Things Worse 40:08 - The Iran Conflict, Oil Prices & Global Supply Shocks 46:55 - Ad: Figure 48:23 - Fertiliser, Food Prices & Why Inflation Isn't Going Away 54:30 - How Britain Can Fix Its Economy 01:03:28 - What's The One Thing We're Not Talking About? 01:06:54 - Substack Learn more about your ad choices. Visit megaphone.fm/adchoices

What They Won't Tell Young Men About MasculinitySPONSOR: Lear CapitalGold and silver have hit all-time highs, and experts are forecasting even higher prices ahead, with some predicting gold could reach $5,000 to $6,000 an ounce and silver $100 to $150. Major institutions like Morgan Stanley are shifting their portfolios into precious metals, and even Warren Buffett has been selling off big tech. Lear Capital is offering up to $20,000 in bonus gold or silver with a qualified purchase, plus a free information kit.Call 800-707-4575 or get your free information kit at https://www.Nick4Lear.com-----SPONSOR: American FinancingMany homeowners have more equity than they realize but are turning to credit cards instead of putting that equity to work. American Financing's salary-based mortgage consultants can help wipe out high-interest debt, with mortgage rates currently in the 5s and customers saving an average of $800 a month. There are no upfront fees, and starting now could even delay two mortgage payments.NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99.Call 866-886-2026 or visit https://www.AmericanFinancing.net/MTA-----GET YOUR MERCH HERE: https://shop.nickjfreitas.com/BECOME A MEMBER OF THE IC: https://NickJFreitas.comInstagram: https://www.instagram.com/nickjfreitas/Facebook: https://www.facebook.com/NickFreitasVATwitter: https://twitter.com/NickJFreitasYouTube: https://www.youtube.com/@NickjfreitasTikTok: https://www.tiktok.com/@nickjfreitas3.0

Most mortgage professionals have no idea how many critical housing decisions are being made behind closed doors in Washington, D.C.While most of us are focused on rates, inventory, and closing loans, there are people working every day on Capitol Hill to influence the policies that will shape the future of homeownership, housing affordability, and mortgage lending.One of those people is Justin Wiseman.As the Mortgage Bankers Association's leading voice in Washington, Justin is in the room where many of these conversations happen. In this episode of Laugh, Lend & Eat, we discuss:• Why housing affordability has become a national political issue• What Congress is doing about housing supply• The Road to Housing Act and what it could mean for consumers• The regulatory issues mortgage professionals should be watching• How policy decisions made in D.C. ultimately impact borrowers and lenders across AmericaWhether you're a mortgage professional, Realtor, industry executive, or simply someone who cares about the future of housing, this conversation provides an inside look at what's happening in our nation's capital.Who's fighting for you in Washington, D.C.?Justin Wiseman. That's who.

The LA Mayor race in California stinks to the high heavens. What is actually going on? Jesse Kelly takes a deep dive alongside Katie Zacharia. But California isn't the only place with issues. Jesse catches up with Dustin Grage regarding a serious situation in Minnesota. Jesse then talks with Auron MacIntyre about the path forward for America.I'm Right with Jesse Kelly on The First TVBeam:Visit https://shopbeam.com/JESSEKELLY and use code JESSEKELLY to get our exclusive discount of up to 40% off.PureTalk: Support America’s Warrior Partnership and cut your phone bill today by switching to Pure Talk at https://PureTalk.com/JESSETVAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334 https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Jesse Average savings based on borrowers who save over $199.99Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

African Migrant beheads British man in the streets of Belfast, Trump greeted by roaring crowd at NBA Finals Game 3 at Madison Square Garden, Scott Presler, Jonathan Bush and  Pam Evette  join the show. Blackout Coffee: http://www.blackoutcoffee.com/benny and use coupon code BENNY for 20% OFF your first order American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Learn more about your ad choices. Visit podcastchoices.com/adchoices

California ballot dumps boost Raman over  , DOJ investigating fraud, Trump roasts reporter, then crushes her mic on live TV, Roxane Hoge and  Will Chamberlain join the show. American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Ethos: Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/benny. Application times may vary. Rates may vary. Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nick traveled to Seattle with Turning Point USA to debate college students in the most Left-wing city in America. This is what happened. SPONSOR: Brave Books BRAVE Books publishes pro-God, pro-America stories that teach kids values like courage, faith, and love of country through stories they actually want to read. It's not about hiding kids from the world; it's about raising kids strong enough to face it. New subscribers get a new book every month plus free access to BRAVE's parent-vetted streaming platform. Use code NICK for 20% off your first order at https://www.BraveBooks.com/NICK ----- SPONSOR: American Financing Many homeowners have more equity than they realize but are turning to credit cards instead of putting that equity to work. American Financing's salary-based mortgage consultants can help wipe out high-interest debt, with mortgage rates currently in the 5s and customers saving an average of $800 a month. There are no upfront fees, and starting now could even delay two mortgage payments. NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99. Call 866-886-2026 or visit https://www.AmericanFinancing.net/MTA ----- GET YOUR MERCH HERE: https://shop.nickjfreitas.com/ BECOME A MEMBER OF THE IC: https://NickJFreitas.com Instagram: https://www.instagram.com/nickjfreitas/ Facebook: https://www.facebook.com/NickFreitasVA Twitter: https://twitter.com/NickJFreitas YouTube: https://www.youtube.com/@Nickjfreitas TikTok: https://www.tiktok.com/@nickjfreitas3.0

Hello Fresh is not as subtle as it thinks in its post for Pride Month. Gross. President Donald Trump walked out of an interview featuring a rain delay and a badgering Kristen Welker. It's been six days since the California election, and we still have no idea when they are going to be done counting. You should probably trust your instincts on this one. Yes, this is a problem. No, it isn't normal. No, you shouldn't trust it. As Trump's H1-B policies take effect, a new trend has popped up in the housing market. Let's take a look. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-june-8-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Go to http://kalshi.com/r/crowder and $10 credit on your first $10 trade Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com    Keith Weinhold  34:56   Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

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The California Communist machine is at it again with the results of the mayor and governor race. Jesse Kelly discusses with John Phillips, but not before a long-hard talk about the state of the Democrat Party as a whole. Jesse also speaks with Ken LaCorte regarding a startling development within the Democrat Party. Plus, Tyler O'Neil joins the show with some big news out of the DOJ.I'm Right with Jesse Kelly on The First TVChoq: Visit https://choq.com/jessetv for a 17.76% discount on your CHOQ subscription for lifePureTalk: Support America’s Warrior Partnership and cut your phone bill today by switching to Pure Talk at https://PureTalk.com/JESSETVAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Jesse Average savings based on borrowers who save over $199.99Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

California is still counting ballots, Trump announces pick for Attorney General, Rep. Randy Fine And Rep August Pfluger  join the show.American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's episode was inspired by a conservative student concerned about claims that Islam is incompatible with the West. This polite and patriotic student raised an important question: If we stand for religious freedom, shouldn't that include Islam as well? Today we will directly address this question.SPONSOR: Angel StudiosAngel Studios is the home for stories that honor America, faith, and family, with a library that includes Homestead, The Last Rodeo, Green and Gold, and Mike Rowe's Something to Stand For. Angel Guild membership is how the studio funds these films, and Guild members get two free tickets to every major Angel theatrical release, so it basically pays for itself. A big slate is coming this summer, including a new George Washington film for America's 250th.Become a Premium Angel Guild member at https://Angel.com/nick-----SPONSOR: American FinancingHeading into summer, persistent inflation and rising daily costs are squeezing middle-class families, and many homeowners are reaching for credit cards instead of tapping the equity they already have. American Financing's salary-based mortgage consultants help wipe out high-interest debt using mortgage rates currently in the 5s, with customers saving an average of $800 a month. Starting today could also delay two mortgage payments, putting real money back in your pocket.NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99.Call American Financing at 866-886-2026 or visit https://www.AmericanFinancing.net/MTA-----GET YOUR MERCH HERE: https://shop.nickjfreitas.com/BECOME A MEMBER OF THE IC: https://NickJFreitas.comInstagram: https://www.instagram.com/nickjfreitas/Facebook: https://www.facebook.com/NickFreitasVATwitter: https://twitter.com/NickJFreitasYouTube: https://www.youtube.com/@NickjfreitasTikTok: https://www.tiktok.com/@nickjfreitas3.000:00:00 – Is Islam compatible with the American Constitution?00:02:21 – Exposing the radical Left's dangerous Islamist alliance.00:04:17 – Why mass immigration threatens Western social cohesion.00:06:39 – Mapping the global reach of Islamic populations.00:08:38 – Freedom House data exposes lack of liberties.00:11:25 – Debunking Tucker Carlson on religious freedom myths.00:13:51 – Analyzing disturbing global trends in Islamist terrorism.00:15:23 – UK grooming gangs and the war on women.00:18:20 – Barbary Pirates and historical Islamic slavery justifications.00:19:35 – Addressing the taboo of cousin marriage data.00:20:41 – How Sharia courts are subverting UK laws.00:23:35 – Why assimilation is essential for high trust societies.00:25:01 – The Marxist plot to overthrow Christian civilization.00:28:51 – Why Islamic cultures cannot create Western freedom.00:30:39 – Defending Christian foundations against radical cultural erosion

A judge was reprimanded for having sex with a deputy police officer in chambers. There's no way we have any evidence that confirms that, though, right? It's Jimmy Kimmel's world and we're all just living in it. Kimmel has a theory on why late night is dying, but he left a big factor out. California can't figure it out. Somehow, they can't get it together long enough to count their votes. We're still waiting on key elections and some are saying it's going to take weeks to find out who won. This is not "safe and secure" elections. Steph Curry has a new endorsement deal and you're never going to guess who it's with. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-june-3-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Download Rumble Wallet now and enjoy the benefits of financial and personal freedom! https://rumblewallet.onelink.me/bJsX/crowder Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Democrats are doubling down on all their past ways and not being held accountable for it. Jesse Kelly breaks this all down. He's also joined by Liz Collin and Conor Tomlinson to discuss a variety of important stories from two different countries that all tie together.I'm Right with Jesse Kely on The First TVPureTalk: Support America’s Warrior Partnership and cut your phone bill today by switching to Pure Talk at https://PureTalk.com/JESSETVChoq: Visit https://choq.com/jessetv for a 17.76% discount on your CHOQ subscription for lifeAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334 https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Jesse Average savings based on borrowers who save over $199.99Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Republicans surge in California elections, 60 Minutes host fried by CBS, Steve Hilton, Alex Marlow and Billy Bush join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Rumble Wallet: Take Control of Your Money Easily with Rumble Wallet. Download now at https://rumblewallet.onelink.me/bJsX/Benny. Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Shopify: Sign up for your $1 per month trial: http://shopify.com/benny Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's Election Day in California and Republicans are turning out in record numbers, Bodycam footage of Henry Nowak's murder shocks world, Carl DeMaio, Dean Cain, and Corrin Rankin join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube ZIP-RECRUITER: Post jobs for free at https://www.ziprecruiter.com/benny Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Learn more about your ad choices. Visit podcastchoices.com/adchoices

Let me tell you something that should concern every single American, regardless of where you fall on the political spectrum.Artist were asked to celebrate America's 250th Birthday, NOT endorse a political platform, NOT cut a campaign ad, NOT swear an oath to a political party, NOT even show up to a rally. Just show up and play music for our Country's birthday. The Country that made them wealthy, famous, and free.SPONSOR: American FinancingHeading into summer, persistent inflation and rising daily costs are squeezing middle-class families, and many homeowners are reaching for credit cards instead of tapping the equity they already have. American Financing's salary-based mortgage consultants help wipe out high-interest debt using mortgage rates currently in the 5s, with customers saving an average of $800 a month. Starting today could also delay two mortgage payments, putting real money back in your pocket.NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99.Call American Financing at 866-886-2026 or visit https://www.AmericanFinancing.net/MTA-----GET YOUR MERCH HERE: https://shop.nickjfreitas.com/BECOME A MEMBER OF THE IC: https://NickJFreitas.comInstagram: https://www.instagram.com/nickjfreitas/Facebook: https://www.facebook.com/NickFreitasVATwitter: https://twitter.com/NickJFreitasYouTube: https://www.youtube.com/@NickjfreitasTikTok: https://www.tiktok.com/@nickjfreitas3.000:01:13 – Exposing the cultural left's shameful founding narrative.00:01:29 – Celebrating 250 years of the Declaration of Independence.00:02:39 – Famous artists abandon Trump's Great American State Fair.00:05:40 – Judge blocks Trump name from Kennedy Center facade.00:06:27 – Why the radical left refuses to celebrate America.00:10:01 – Debunking claims that the White House is partisan.00:12:17 – When did patriotism become a right wing act?.00:14:02 – Freedom Williams defends performing for patriotic audiences.00:17:41 – Comparing the Bicentennial to our 250th anniversary struggle.00:20:54 – Defending Washington and Jefferson from critical theory attacks.00:23:41 – Frederick Douglass proves the Constitution protects our liberty.00:25:15 – Trump should showcase unashamed grassroots American talent.00:28:20 – Honoring the world's longest continuously active constitution.00:30:37 – Leadership lessons from the Ronald Reagan ranch legacy.00:32:00 – Dreaming of a bright future for our Republic

Stand-up comedy is where you make jokes for people to laugh at. It's not a good place to have an argument in the crowd with a random stranger about jobs men and women choose to do. But that didn't stop Ethel Tan. Tell a joke. Channeling Bob Hope, Hasan Piker showed up to an anti-ICE protest in New Jersey. He was also banned from the UK. Busy weekend. Two cities in Europe celebrated their soccer teams. Let's play "Spot the Difference." GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-june-1-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Go to http://kalshi.com/r/crowder and $10 credit on your first $10 trade Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

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Keith welcomes back Rich Dad author Robert Kiyosaki to discuss why debt, inflation, and financial education are critical in today's economy.  Robert challenges traditional advice like "save money and pay off your house," explaining how understanding good debt and owning real assets can accelerate wealth while inflation quietly punishes savers.  They explore how family background and early beliefs shape our money mindset, and why questioning conventional wisdom is essential.  The conversation ultimately stresses that financial education only matters if you take action and intentionally position yourself for turbulent times instead of fearing them. Episode Page: GetRichEducation.com/608 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. This week, the number one selling personal finance author of all time, Robert Kiyosaki of Rich Dad Poor Dad, returns to the show, revealing that he's in debt to the tune of $1.2 billion with a B. Why he believes a depression is coming, and he strongly espouses financial education today on Get Rich Education,    Keith Weinhold  0:29   you know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spots Fill    Keith Weinhold  1:41   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre That's F L O C K homes.com/gre   Corey Coates  2:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:30   Welcome to GRE from Williamsport, Pennsylvania, to Williams, Arizona, and across 188 nations worldwide. You're inside one of America's longest running and most listened to real estate shows, this is Get Rich Education. I'm your host, Keith Weinhold. And with Father's Day this month, it's apropos to talk about Rich Dad. It's been said that the objective of parenting is to turn a liability into an asset. The book Rich Dad Poor Dad has now sold over 40 million copies, and it's been translated into 51 languages. One strong thesis in the book: well, there are a few of them: the rich don't work for money, savers are losers, and your house is not an asset. I think any regular listener here to the GRE podcast is already initiated on this. Savers or losers, because inflation debases your prosperity, and your house is not an asset, because it takes money out of your pocket every month. An asset puts money in your pocket every month instead. And I can see Robert now as he's preparing to take the mic with me here, he's got a blown up visual of his cash flow board game behind him, and then in front of him he's got a few books, including two books that he co-authored with Donald Trump, but this is before Trump was ever a political candidate, so it was before all that, and we're certainly not here to talk politics today. A central theme of the Rich Dad world is that the path for your significant financial betterment is rather than cutting your expenses, increase your income. This is the root action behind the mantra: don't live below your means, grow your means, but see, living below your means is easier. That's the easy thing to do. It's even myopic, say move into a lesser housing situation, or cut out going on vacations. Growing your means takes some education, like how to start a business, or how to own real estate. See, when you deposit money into a bank, all of a sudden that bank has a problem, they owe you interest on it, it's an expense for them. So the bank's job is now to lend your money out to somebody else and make a higher interest rate on it than. Lower interest rate that they're paying you on your deposit. All right. Well, then one direction to focus your education is to start acting like a bank yourself. How do you practically do that? How do you be the bank? Well, just like the bank, you can borrow real estate at a 7% mortgage rate. Now you've got the problem, you've got a monthly mortgage payment you need to make, so you need to beat 7% How are you going to do that? You better get it right. Well, with tax deductions, you might really be paying five to 6% Meanwhile, the real estate that you've carefully identified and invested in with your borrowed capital can earn multiples more without taking high risk, and actually that five to 6% effective cost of capital that you've got is zero, because that monthly payment is all outsourced to your tenants anyway, and what made all this possible for you? Debt made it possible, and now you're acting like the bank, and banks often have the tallest skyscrapers in your city for a reason, because they make money on those spreads all over the place, and now you're doing the same thing. This is an example of growing your means. The bank will hand you 500k to buy a new home or rental property, not for stocks. They won't do that for crypto, not for your 401k not for a business idea that popped into your head at 3am Only real estate, the same institutions, banks that manage your savings and study every asset class, and are very conservative, and have armies and armies of analysts. They will only lend you a half million dollars for one thing: real estate. For a few years, I was a writer for the Rich Dad Advisors blog when that was a thing. Robert and I were most recently together publicly last year when we both served as faculty members on the Terrific Real Estate Guys Investor Summit at Sea in the Caribbean. Let's talk to Robert.    Keith Weinhold  7:18   I'd like to welcome back to the show for his fifth appearance here on the GRE podcast. Well, just the number one selling personal finance author of all time. He wrote Rich Dad Poor Dad in 1997 and has ruled the Rich Dad world ever since. It's a warm get worse education. Welcome back to Robert Kiyosaki.   Robert Kiyosaki  7:38   Thank you, Keith. You know, nobody's more surprised about the success of Rich Dad Poor Dad than me, because it was turned down by every publisher in New York. It was like Simon and Schuster and all these guys, and they said, Why are you turning it down? They said, You don't know what you're talking about. It was consensus about the five editors of different book companies was what you're saying doesn't make sense, that's how strange it was back 1997 and now it's the number one in the world.   Keith Weinhold  8:10   This is often how it is when something strikes someone differently, like the Star Wars movies had difficulty getting traction because it was so unusual, and fortunately, Robert, today the consensus among readers has seen that, oh my gosh, Rich Dad Poor Dad changed my thinking more than anything else. The contrarian thinker,   Robert Kiyosaki  8:34   you know, strike Rich Dad, Poor Dad. My poor dad was academic, you know, PhD, yeah. So he'd be the kind of guy that says your book makes no sense, whereas my rich dad never went to school because his father died when he was 13 and he had to take over the family business. So much of a young person's life is predicated upon their parents or where the family or the culture you come from, and I've been studying more of that, like let's say I was raised in Alabama, I'd have a southern accent but because of the environment it presents it upon you, as the same as money, if a child is born into a poor family, or in my case an academic family, the value systems are all different. My family, and it's still true today. Got to go to school, get a job, and get a pension with the government. That's their whole belief system, and they're so proud of this. Is my brothers and uncles, and all that. They're so proud when their child has what's called a GS, and a government service pension, that's the whole idea on finance, get that pension, job security,   Keith Weinhold  9:49   yeah,   Speaker 1  9:49   nothing wrong with it, nothing wrong with it, but a lot of times we can't hear something because of what's been compressed into us by our culture, our. Family, so my, you know, my poor dad was always, you have to get your PhD, or what? God got a PhD. So my brothers and sisters, their kids are all getting their PhDs. It's fascinating. It's fascinating.   Keith Weinhold  10:14   Yeah, when your poor dad tells you you need to get your PhD, and you're asking for what? Maybe the answer was for him. So our parents, yes, they're often our first teachers.   Speaker 2  10:25   It's just values, very different values. And the more I kind of study it, I don't think I'm a good student of it, but there's this thing called a paradigm matrix, and a paradigm matrix is what is like a cookie cutter, so like father, like son, you know, like mother, like daughter, so much of our lives are transferred by our parents and our schools and things like this, and so that's why Rich Dad Poor Dad, for some people it works, but when it first came out, 1997 as you said, it was strange. I said, you know, the savers were losers, and today everybody knows inflation is going to the roof. I said, your house is not an asset. I got hammered for that one.   Keith Weinhold  11:11   Right.   Speaker 1  11:11   Rich don't work for money. Those are my three rich dad rules. Rich don't work for money, savers are losers, and your house is not an asset. I built Rich Dad Poor Dad around those three rules. I didn't follow my poor dad, those were his guiding lights. You know, you have to have job security, and you have to have a government pension, and my house is my biggest asset. And so you can't hear the person because you already have that paradigm magic, or that cookie cutter inside of you. This is my value system in my family. If I didn't get my PhD, I was stupid. I never got one. But anyway, you know,   Keith Weinhold  11:50   just because you believe something for a long time doesn't make it true,   Speaker 1  11:55   correct? And what's happening? Because I wrote Rich Dad Poor Dad, because I could see this economic times coming, 1971 named Nixon took the dollar off the gold standard, and I knew at that time we're going to have hyperinflation, so that it hasn't hit us quite yet. 1971 was august 15. Nixon's taking the dollar off the gold standard, and you watch what's going to happen next few years. We're going to have hyperinflation that we've never seen before, and it's gonna make the poor and middle class poorer. The rich will get richer, but poor and middle class will get poorer. Tragically,   Keith Weinhold  12:30   that is such an appropriate time to bring this up, Robert, because a lot of people are drawing parallels between the 1970s two waves of inflation during that decade, and what's going on today. I mean, there is so much fuel now that could ignite higher inflation. You've got the cumulative effects of the Iran war and the energy shocks and bottled up supply chains. And Robert, I don't know if you've heard it yet, but you and I's mutual friend, Dr. Chris Martinson, yeah, peak prosperity, there, Chris Martinson, he recently said that he would not be surprised to see 18 to 20% annual inflation in the next two to three years. That's exactly what he said.   Speaker 2  13:12   Yeah, but it's good for those who have assets, right? You see what, when things inflate, you know, like chickens and eggs and milk go up, but so do assets go up, most of them, like gold and silver, will go up, but the purchasing of the dollar will come down. Inflation is a tax, that's all it is.   Keith Weinhold  13:33   So much potential for inflation there, and a lot of this really ties in with debt, about how debtors can be enriched inflation. I think about the cantillion effect, meaning that in inflationary times those closest to the money printer win, and that usually tends to be governments, large banks, corporations with easy credit scores, but a lot of people don't realize that we can benefit from that too is everyday investors that use leverage prudent debt,   Speaker 1  14:05   right, and tell you, in effect, is basically what interest rate can you get, and how easy is money for you, and I use debt, I'm 1,000,000,002 in debt, and that scares the crap out of most people, but I use debt to get rich, and most people use debt to get poor, and again, that's family, what your education says. So, a lot has to do with early childhood development, and all that stuff. The more I study it, it really goes back to before a child was like 15. The cookie cutter has been cut.   Keith Weinhold  14:36   Yes, it goes back to not always having to believe everything that you think.   Speaker 2  14:40   We all have access to education. I have my cash flow game here. I teach people how to use debt, and Dave Ramsey says don't use debt. Well, he's a smart man too, Dave. I like him a lot, and most people should listen to Dave Ramsey, but if you're going to use debt, you'd better take some education, so. To go 1,000,000,002 in debt, man, you better know something. People aren't living paycheck to paycheck, they're living credit card to credit card now, and getting wiped out. I hate to laugh, but it's so obvious. You go, because they have no financial education, and that's why my book was turned down by all those academics in New York City, the publishers say, you don't know what you're talking about. How can I say your house is not an asset? How can I say savers are losers? How can I say the rich don't work for money? And that's what Don't Rich Dad Poor Dad on. And now it's been an international best seller, number one in the world for like 25 years.    Keith Weinhold  15:39   Yeah, well, it's so interesting that you bring up Dave Ramsey here, Robert. He often gets his followers to make a debt-free scream when they're debt free, and you know what I think, Robert, for those that scream that they're debt free, what they're doing is they're postponing screaming that they're job free or job optional, they could have been prudently leveraging dollars for profit, instead, like you and I do.   Speaker 2  16:06    Well, let me just say, Dave Ramsey's advice is good for most people. I'm saying, if you're going to learn to use debt, you know, if all you want is a job and a pension, you don't have to study that much. The biggest mistake I think ever made was at 401 k. It's going to wipe out boomer generation. It's going to.. that's the memos. I wrote this book. Here's who stole my pension, and that's when it's going to nail the boomers. They're finished, because their pensions are going to get stolen. They're four 1k IRAs. They're finished, but they do.. they listen. No, they go, they send their kids to school to get their MBA and get a, get a 401 k.   Keith Weinhold  16:46   Well, I kind of think when you have education around debt, you sort of understand this difference between productive debt and what I'll call ego debt. So, can you talk to us more about what kinds of debt make people rich today and what kinds of debt can quietly destroy them.   Speaker 2  17:02   Well, they should read Rich Dad Poor Dad. Really, I'm serious. That's all it is about, really, is I use debt to get rich, and Dave Ramsey's advice is good for those who don't want to study. So, if you're a PhD in microbiology, and you're a doctor, Dave Ramsey's advice is good for you, because you have no financial education, it's not between your right ear and your left ear. So, I had to study debt, that's the difference. It's what we study.   Keith Weinhold  17:29   And for those that are uninitiated on this, what we're talking about here is, if you've got, say, 200k to invest in real estate, and real estate's going to go up 5% a year. Okay, if you pay all cash, you only have a 5% gain on your 200k but if you get an 800k loan and now you invest in a million dollars worth of real estate, you have that entire million dollars going up 5% not just 200k and you have the tenants servicing the 800k in debt for you. This is really the path to wealth through debt, which is counterintuitive.   Speaker 1  18:02   You don't just get into debt. I mean, you really got to understand debt, and real estate doesn't always go up. It's about to crash again, and I like crashes. Don't get me wrong, I love crashes, because a crash in a stock market, bond market, real estate market is something going on sale, so like if Walmart had a sale, every poor person would run in there, but when the real estate market has a sale, all the poor people run away. I like crashes, that's when you get rich, one's coming big time, big time.   Keith Weinhold  18:33   Well, I want to learn more about that, because residential real estate in our lifetimes has only fallen significantly one time, that was in 2008 and circumstances are so different today. Today, you have responsible lending, and you don't have this oversupply that you had in 2008 So, tell us more about a potential real estate crash that's going to interest a lot of people.   Speaker 1  18:53   Well, real estate crashes, because the currency crashes. It's really the problem with the world today, and this is the whole world, is America is now what, the biggest debtor nation in world history.   Keith Weinhold  19:05   Yeah,   Speaker 1  19:05   39 trillion or something like that. And Japan is a bunch of idiots on Japanese, I can say that they save money. Why would you save money when Japan was the biggest money printer of all times? That'd be like somebody you know, sticking water in your gas tank. Why would you go and fill up with water? But that's what the Japanese were doing. They're saving money. It makes no sense. I mean, I just.. I'm just a different person, you know. I just didn't go to school like my family did. I mean, I have a college education and all that, but I studied different things after school. I studied debt, I studied real estate, and that's the big difference. So, I'm 1,000,000,002 in debt. So, in 2008 when the market crashed, you know, I borrowed 30 million bucks and leveled it up with 1,000,000,002 in debt.   Keith Weinhold  19:52   Good timing   Speaker 1  19:53   should not do what I do, but I studied it since 1974 It's debt that's not. Right now today we have oil going up. My college degree is in oil. I'm an oil tanker driver. I drove oil tankers with Standard Oil. I'm making fortunes today as the price of oil goes up, so you know, more Netanyahu and Trump bomb Iran, terrible as it is. I'm getting richer, so you don't have to be poor, but you're poor because that gap between your left ear and your right ear is empty, you know. You've been taught inflation's bad. Well, inflation is good if you're holding oil or gold or silver or some real estate. Anyway, most people have no financial education. That's why I created the cash flow board game, so you can have fun learning how to be rich. If you don't want to learn to be rich, then go to school and get your PhD.   Keith Weinhold  20:47   Sometimes, when people don't understand how real estate debt benefits them, one way I've helped people understand Robert is that, say, you have a loan balance of 112k on a piece of real estate today, that feels really small. It almost feels like something that you can pay off with what you have in your savings account, but if you go back 30 years, when the median home price is 140k 80% debt on that would have been 112k So here, 30 years later, with your 30 year fixed rate loan, you still just have that 112k in debt, while the median home price is over 400k and that's even if you hadn't made a principal payment at all, so it's really a way to visualize how inflation starts shrinking the real weight of our debt over time.   Speaker 1  21:31   My advice is I would study debt, so I take real estate courses, I'm always studying, I'm studying constantly, because the markets are changing so quickly. The biggest problem today started in 1971 when Nixon took the dollar off the gold standard. So, we're the biggest detonation in world history. I think we're going into a depression right now. So, depression plus AI coming along is going to wipe out jobs. I'm going to get richer. What are you going to do? So, I'm already planning for the future, the people that get rich can see the future. So, when you say, well, you know, back in 2008 it only crashed for a little while. Then, okay, so what? And history has proven in 1971 Nixon took the dollar off the gold standard. Every nation has collapsed. Who did that? The Chinese did it, the Romans did it, the Greeks did it, Germans did it. They print money, and so that's the real issue. It's not debt, but it's also the economic macro problems that keep going into the world. The dollar is coming down, and I'm afraid that we're going into a global depression. I hope I'm wrong, like Grant Cardone, and I have fights all the time about it, you know, because he's a big proponent of that. Real estate always goes up, it doesn't always go up,   Keith Weinhold  22:47   right?   Speaker 1  22:47   It doesn't always go up. The stock market doesn't always go up. The bond market's crashing. Everybody says, "Oh, bonds are safe. The bond market's in the biggest bubble in world history. We're going into a depression. So, what are you going to do about it? I'm afraid America is going to crash because we've taken on Iran, and Iran's a powerful, powerful force out there. I'm not in favor of it, but everybody who's messed with Iran has got kicked. So just note that as this look at history, you can see the future, but you have to be careful in the issue you follow. So, 1971 I was on an aircraft carrier in Vietnam, and my rich dad wrote me a letter. I was a marine helicopter pilot, went down three times. Rich Dad wrote me lessons. Nixon took the dollar off the gold standard, watch out, and immediately I started buying gold. So, I started buying gold at $50 an ounce to today is what, four or 5000   Keith Weinhold  23:43   Yeah,   Speaker 1  23:44   the trouble with gold is you pay high taxes on it, constant taxes too. Good luck to learn, Keith. I study constantly.   Keith Weinhold  23:52   You're listening to Get Rich Education. Our guest is Rich Ed Poor Dad author Robert Kiyosaki. I'm your host, Keith Weinhold.    Keith Weinhold  23:58   What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge, while it's on your mind. Start at Ridge lendinggroup.com that's Ridge lendinggroup.com    Keith Weinhold  24:29   Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 that's family 266866 This   Jim Rickards  25:31   is Author Jim Rickards. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  25:47   Welcome back to Get Rich Education. I'm your host, Keith Weinholt. We're talking with the top-selling personal finance author of all time, Robert Kiyosaki.   Speaker 1  25:55   Just study history. History will see this, you'll see the future. So, this is my good friend here, McDonald. You know why he wants you to get rich, and it's this one man, one message.   Keith Weinhold  26:06   Robert's holding up a book now.   Speaker 1  26:08   You've got to get educated on money, but most people won't, so they got a 401 k, and they live debt free. Good advice. Will it protect them? No, it won't protect them from a, you know, if you lose your job, AI takes it away, or is a massive crash, but we've never been in this much debt before to you. Black generation is screwed, boomers and boomers are screwed, because we're the first generation with a four 1k that was 1974 1974 also Kissinger went to Saudi Arabia to sign the dollar up back by oil, and today my buddy here, Trump is bombing the crap out of Iran. I'm not saying it's good or bad, but the price of oil is going through the roof now. Everybody's complaining about it because of inflation, so chicken and eggs go up in price, you know. Diesel delivers chicken and eggs all over the world. I'm getting richer because I own oil wells, you see. You don't have to be poor, but you better question what they put between your left ear and your right ear. What did Mommy and Daddy tell you? Go to school, get a job, get a job with a government service. My daughter's a GS, she's got a master's from Washington State University losers,   Keith Weinhold  27:24   this untethering of the dollar from gold in 1971 that meant that there is no sovereign currency in the world today that's still tied to gold, allowing for more money printing and enriching over time debtors like you and I, but Robert, we think about how debtors are profiting, and you spoke earlier about how oftentimes your parents put all of these values inside you. How do you emotionally tolerate having a lot of debt yourself? You talked about having $1.2 billion in debt. How do you emotionally deal with that?   Speaker 1  28:00   I study, I take courses. I'm constantly in seminars studying debt. I don't study a 401 ks or bonds, that's for losers. But this is the biggest point, Keith. You got to find out. My rich had always said to me, says there's a billion ways to financial heaven. So, there's what, 8 billion people on planet earth, and 1 billion of the eight may make it to financial heaven, but there's 7 billion to financial hell, and the difference is what's between your left ear and your right ear, and that's why you may choose what you learn carefully, cash flow game, study it, have fun, practice, play, learn, but if you don't want to learn, then follow Dave Ramsey's advice. That's much better. It's better for you, really. I'm serious. And get your PhD and get a 401 k and get wiped out when you lose your job. It's up to you.   Keith Weinhold  28:54   Yeah, I mean, the debt-free mindset probably is better for most people, but I think you shouldn't aspire to want to be like most people. Most people are overweight, and they have a busted relationship, and they don't have enough money at the end of the month. So we're really not aspiring to be mediocre here, and that can mean taking on prudent debt. You wrote something in a book one time, I don't think it was Rich Dad Poor Dad, it was one of your later books. This is so simple, but I found it to be so profound and life-changing for me. And that is simply being wealthy is a choice   Speaker 1  29:28   that doesn't, what you want, it's your choice, but you better know what your choices are. What did Mommy and Daddy say to you? But also, were they doing in front of you?   Keith Weinhold  29:39   Right,   Speaker 1  29:40   were they cleaning for job security or were they buying coil wells? Like, I own Bitcoin, but they'll recommend it now. I study it. I don't really understand it that well. I have 5049 Bitcoin, not much, but as inflation goes up, my Bitcoin goes up. Also, have in theory. I'm old. I don't understand tech that well, but I buy it to learn it, to practice, to study it. Am I an expert at Bitcoin? No. So I just keep studying, that's all I'm saying. I have a choice how to put between this year and that year. That's your choice today.   Keith Weinhold  30:18   Well, that's really interesting, Robert, because some people say that you should only invest in something that you understand well, others say that you're only going to understand something well if you invest a little in it first and have a stake. Well, is there any last thought that you have, Robert, as we wind up, anything at all that a listener should know today?   Speaker 1  30:39   No, I mean, I just said it, that's it. Choose what you put between your left brain and right ear, and what do you do? What do you do in your spare time? Like studying, you can ask the people around me. I'm constantly studying, you know, because I like to win. I'm very concerned, Keith. We're going into the biggest depression in history. So, what happens when you lose your job and you can't put food on the table, that's gonna create another problem. So, I'm a big pessimist, but I'm ready for it. I have a lot of guns, so the, I call it the 5g's Okay, you have to have gold, food, I mean ground, gasoline, and guns, that's preparing for the future, the 5g will be gold, gas, ground, food, guns.   Keith Weinhold  31:27   Well, Robert, you gave us a lot to think about there, including some actionable things. It's been great having you back on the show.   Speaker 1  31:32   Okay. Well, thank you. Keep up the good work.   Keith Weinhold  31:40   I believe Robert feels that a calming economic depression would be linked to the longer term calamity about the dollar being de-pegged from gold for about 55 years now. His 1.2 billion in debt is largely, if not completely, good debt. You can learn more about Robert and the Rich Dad world@richdad.com and he and I talked more off air. As much as he stresses financial education, he emphasizes taking action after you've learned; otherwise, you really haven't gained much of anything. But the rat race is so busy that some people don't have time to care about this stuff. In fact, the difference between financial education and financial courage is action taking. That's the difference. Now, in my view, it seems that some feel like financial betterment means cutting your expenses so much that you reduce your standard of living even over the long term, and doing that for the long term, you might do some of that in the short term, earlier in your investing career, because you need some capital formation, but to me, before long, financial betterment should give you the ability to make your life better. I mean, really don't buy the boat or RV just because it's a depreciating asset. Well, you don't want to do that wastefully if you can't afford it, but if you can learn how to afford it, consider borrowing for it, investing it at a higher interest rate than the RV loan, and profiting while you enjoy the RV, some people don't even think something like that is possible. Well, that's the sort of thing financial education can do. Genuine financial betterment means that you can take the trip, it means that you can buy the boat, because what's worse, owning a depreciating asset or living a depreciating life. Big thanks to Robert Kiyosaki.    Keith Weinhold  33:47   Today, we've got a lot of great upcoming shows here on the Get Rich Education podcast. Next week, The Mad Scientist of Multifamily, Neil Bower, will be here. It's going to be a charged conversation on the state and the future of the residential real estate market. Also, I've been compiling my top 12 dirty dozen due diligence questions that are going to help you avoid mistakes when you buy a piece of income property, like for example, How do you be sure that a build to rent community isn't overbuilt with supply, and why you should always get a property inspection, even on a new construction property that's coming in future weeks, and if you're a new listener and still learning about how to prudently use debt to build wealth, you're in luck. Just eight weeks ago, on episode 600 it's an episode where it's just me talking to you, called Debt is the American dream. Be sure to check out that show until next week. I'm your host, Keith Weinhold. In In the Spirit of Rich Dad, don't quit your daydream.   Speaker 3  34:52   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  35:18   The preceding program was brought to you by Your Home for Wealth Building, Get Rich education.com  

How should investors think about risk, reward, and building a portfolio that actually matches their goals? In this episode of the White Coat Investor Podcast, we talk with Ben Carlson about themes from his new book Risk & Reward, including market fear, portfolio complexity, behavioral mistakes, and the tradeoffs involved in investing decisions. We discuss questions many investors wrestle with: real estate versus stocks, crypto investing, factor tilts, tactical asset allocation, gold, paying off debt versus investing, and balancing risk across a portfolio. The conversation also explores why investing should not be entertaining, what mistakes investors make most often, and how to think clearly when markets feel uncertain. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Trump's DOJ launches criminal probe into former New York magazine writer E Jean Carroll, who accused him of sexual assault, Iran attacks US airbase, Brandon Herrera and Rep. Mike Lawler  join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Shopify: Sign up for your $1 per month trial: http://shopify.com/benny Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Learn more about your ad choices. Visit podcastchoices.com/adchoices

Steven sits down with a panel of Cubans to discuss what really goes on inside the Communist island nation of missile crisis and cigar fame. From champagne socialists to national security to Cuban socialists colluding with American politicians, this deep dive exposes what most people don't understand happens under a communist regime. Here's the lies you've been told and how to combat the misinformation. GUESTS: Daylin Horruitiner - Spanglish Generation https://www.instagram.com/spanglish_generation/ Josue Alvares - What Josue Sayas https://x.com/WhatJosueSays Alejandro Gonzalez & Maikel Rodriquez - Los Pichy Boys https://www.youtube.com/@ElPichyFilms Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Jesse Kelly is back after his overseas trip and has a fresh perspective on the United States. He shares that and goes over how Democrats despise the country. Steve Deace joins the show discuss the importance of patriotism as well. Jesse is also joined by Ken LaCorte of Elephants in Rooms on YouTube to break down why cities have gone so left-wing. Plus, Dr. Mary Talley Bowden is on to discuss her new book.I'm Right with Jesse Kelly on The First TVChoq: Visit https://choq.com/jessetv for a 17.76% discount on your CHOQ subscription for lifeAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334 https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Jesse Average savings based on borrowers who save over $199.99PureTalk: Stop overpaying for big wireless and switch to Pure Talk to get unlimited data for just $34.99 a month when you visit https://PureTalk.com/JESSETVFollow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Ken Paxton defeats incumbent RINO John Cornyn, Mayes Middleton joins after winning the Texas Attorney General Primary, Rep. Brandon Gill, Rep. Wesley Hunt, Steve Toth also join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Rumble Wallet: Take Control of Your Money Easily with Rumble Wallet. Download now at https://rumblewallet.onelink.me/bJsX/Benny. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Minneapolis Mayor Jacob Frey commemorated the death of George Floyd this weekend. Leftists really working overtime to keep racism alive. Hasan Piker has been subpoenaed over his champagne socialist trip to Cuba. We'll go over what he did wrong. The US Citizen & Immigration Services is closing loopholes for green card holders. You have to apply from your home country. Iran talks continue and missiles continue to fly. Where are we with Iran? GUEST: Josh Firestine | Lane Kendall Link to today's sources: https://www.louderwithcrowder.com/sources-may-26-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit http://www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Go to http://blackoutcoffee.com/CROWDER and use code CROWDER for 20% off your first order! Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

U.S. Strikes Iranian targets as Trump tries to finalize peace deal, Texas voters head to the polls today, AG Ken Paxton, Rep. Chip Roy, Mayes Middleton and join the show American Financing: Save with https://www.americanfinancing.net/benny NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-528-1219 for details about credit costs and terms. Visit Americanfinancing.net/Benny. Average savings based on borrowers who save over $199.99 Bon Charge: Go to https://www.boncharge.com/BENNY and use coupon code BENNY to save 15% Advantage Gold: Get your FREE wealth protection kit https://www.abjv1trk.com/F6XL22/4MQCFX/?sub1=Youtube Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Democratic Party's 2024 autopsy was just leaked and it's ugly. Polling shows the Democratic Party remains in shambles, even as some Democratic leaders seem to be shifting toward more moderate positions. Has the party learned any lessons from the last 10 years, or is this all a ruse?SPONSOR: Lear CapitalGold and silver are hitting all-time highs as money printing, market bubbles, and global unrest reshape the economy. Major players like Morgan Stanley are shifting into precious metals while Warren Buffett sells off big tech. Lear Capital helps you protect your wealth with up to $20,000 in bonus gold or silver on a qualified purchase.Call 800-707-4575 or visit https://www.Nick4Lear.com-----SPONSOR: American FinancingSummer expenses like vacations, gas, tuition, and camps are hitting families hard, and 20%+ credit card interest makes it worse. American Financing helps homeowners use their equity to roll high-interest debt into one manageable monthly payment, with no upfront fees and salary-based consultants (not commissioned salespeople).NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99.Call 866-886-2026 or visit https://www.AmericanFinancing.net/MTA-----SPONSOR: Alliance Defending FreedomAmerica is marking 250 years of freedom this year. Alliance Defending Freedom invites you to take five days to thank God for His blessings on our country and pray for strength and direction ahead. Sign up and you'll receive five daily prayer messages with specific prompts for how to pray for America.Sign up free, or text PRAY250 to 83848, at https://www.JoinADF.com/Nick-----GET YOUR MERCH HERE: https://shop.nickjfreitas.com/BECOME A MEMBER OF THE IC: https://NickJFreitas.comInstagram: https://www.instagram.com/nickjfreitas/Facebook: https://www.facebook.com/NickFreitasVATwitter: https://twitter.com/NickJFreitasYouTube: https://www.youtube.com/@NickjfreitasTikTok: https://www.tiktok.com/@nickjfreitas3.000:00:00 – Analyzing the leaked Democratic 2024 autopsy report00:03:16 – Why Democrats struggle with working class voters00:08:15 – Feminist activists leading Democratic outreach to men00:13:31 – Kamala Harris supports taxpayer funded trans surgeries00:17:18 – Why Democratic principles ignore flyover country voters00:20:43 – Debunking the Democrat narrative on MAGA extremists00:25:46 – Exposing the Biden administration border security failures00:31:50 – The massive disconnect between activists and voters00:35:12 – Defining the difference between equality and equity00:38:13 – Marxist origins of modern anti family ideology00:45:34 – Identifying the 2028 Democratic presidential primary frontrunners00:52:07 – Can Republicans win over disillusioned centrist voters00:59:46 – How Democrats use affordability to hide radicalism01:05:09 – Analyzing AOC and the future of 202801:10:46 – The threat of court packing and filibuster

Sebastian Stan plays a brainwashed opposition asset who wants to take down the President of the United States in this new…oh. It's not a movie. It's real life. Another Hollywood opinion that can be disregarded. A Korean streamer came face to face with the strength of diversity in France. What does he learn? Representative Thomas Massie is out, and his concession speech was exactly what you thought it would be. Well, maybe not exactly. GUEST: Josh Firestine | Lane Kendall Link to today's sources: https://www.louderwithcrowder.com/sources-may-20-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Do not wait for another IRS letter or a frozen bank account. Call (866) 686-1417 or visit https://tnusa.com/CROWDER Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

The American birthrate has cratered. And the DINKs (double income, no kids) don't seem to think that's a bad thing. The UN-backed IPCC (something something climate change) has adjusted its doomsaying model because Florida isn't underwater yet. It could also be because climate change is not a real thing and is only used to push a globalist agenda. Either way, Trump weighed in. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-may-18-2026 Let my sponsor American Financing help you regain control of your finances. NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-974-6500 for details about credit, costs and terms. Visit www.AmericanFinancing.net/Crowder. Average savings based on borrowers who save over $199.99 Download Rumble Wallet now and enjoy the benefits of financial and personal freedom! https://rumblewallet.onelink.me/bJsX/crowder Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA Foundation Daily is made up of premium ingredients to reduce inflammation and stress and promote clean energy and mental clarity. Subscribe now and receive 40% off for life. https://foundationdaily.com/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo