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Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 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  1-937-795-8989 to speak with a freedom coach 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, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   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  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

This week we are joined by former Sunderland, Newcastle and Nottingham Forest midfielder Jack Colback… and there's plenty to get into. From coming through the ranks at Sunderland to making the controversial move across the Tyne to Newcastle United, Colback opens up about what really happened behind the scenes and how the decision went down in the North East. There's also plenty of chat about life under the famously intense Paolo Di Canio, whose strict rules and military-style management left more than a few players scratching their heads. Going into his time at Nottingham Forest he witnessed first hand how Marinakis runs and the crazy turnover of players who came in and out of Forest. This show is sponsored by Talksport Bet Get £40 in FREE BETS at http://talksportbet.com/utc when you bet £10 18+ gambleaware.org T&Cs apply

After two weeks of the best WIP callers battling it out, it's finally time to crown the champion of the tournament: Herb in the Northeast or Justin from Tennessee.

Severe storms with damaging wind gusts, hail and tornadoes, will take hold across portions of the central United States toward the middle of the week. Also, warmer air will push out the Northeast chill as much of the eastern U.S. turns 15-25 degrees above average, with some communities from Florida to the Ohio Valley challenging record highs. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on Beyond the Bio, I'm joined by North East based aviation entrepreneur James Moon. We chat about his journey building multiple businesses across business aviation and commercial aircraft trading and how he has established a strong profile in a highly specialised global industry. James shares how he secured coverage on Sky News, the Daily Mail and other national and international publications despite having no formal background in marketing. Plus - listen to hear about the legendary Hollywood name James has worked with… Connect with James: Website: https://moonjetgroup.com LinkedIn: https://www.linkedin.com/in/james-moon-b0328476 Connect with Sophie:    LinkedIn: linkedin.com/in/sophie-milliken    Instagram: @moja_sophie    …    Want to be a guest on Beyond the Bio?                 Do you have interesting ideas to share about how to raise your profile? We want to hear from you!                  Fill out the submission form here: https://www.sophiemilliken.co.uk/btb            ...              This podcast is brought to you by Moja.              Moja is an award-winning modern PR agency working with entrepreneurs and senior executives to get you known in your industry.                 See how your profile is currently performing: https://mym-btb.scoreapp.com/     

Growing up near Boston, Sugar discovered hiking in her early twenties while exploring the White Mountains of New Hampshire. After getting sober at 30, she found herself with the clarity, time and capacity to pursue the life she truly wanted. What followed was a decision to live authentically, prioritise long-distance hiking, and become what she proudly calls a professional dirtbag. In 2021, Sugar set out on the Appalachian Trail. While she knew she was a strong hiker, she also faced the uncertainty of what it would mean to walk the trail as a trans woman. Feeling the isolation of not seeing many stories like her own pushed her to begin writing, speaking openly, and becoming someone other queer and trans hikers could reach out to. Since then, she has become the first known trans woman to complete the Triple Crown of long-distance hiking, founded TrailQTs – a free mentoring programme supporting first-time queer and trans thru-hikers – and in 2024 pioneered the Divide to Crest Route, a 3,000-mile backcountry journey from the Mexican border in New Mexico to the Canadian border in Washington. In 2025, Sugar set a new women's self-supported speed record on the Appalachian Trail southbound, breaking the previous record by more than a day and a half. In this episode, we dive into sobriety, transition, representation, burnout, post-trail blues, building community, and what it really takes to push the body day after day. Sugar also shares practical advice on training, fuelling on a budget, protecting your feet, and why big dreams are built through small, steady steps. This is a conversation about courage, visibility, and creating the path you wish had existed when you started. *** New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time). Hit subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x *** Show notes Who is Lyla Using she/her programs  From the North East of the USA Living in New Hampshire Working with kids and doing bar tending and other odd jobs Growing up just north of Boston, on the North shore, about 3 hrs away from the Appalachian Trail Playing team sports  Getting into hiking in her early 20s, with the help of a friend  Hiking in the White Mountains in New Hampshire  Getting sober at 30 years old and being sober for over 8 years now How it changed her life, having more time and capacity to do more hiking Spending time exploring the local trails in the area  Starting her gender transition  Knowing she was trans in her late 20s but not having the capacity to do anything about it Getting sober and how it opened up lots of doors for herself  Living her authentic life  Deciding to leave her job, sell her car and go and hike the Appalachian Trail Hiking the Appalachian Trail in late March 2021 Spending the past 5 years making long distance hiking her priority Being a professional dirtbag Channeling all of her energy and resources into hiking  Managing fears and concerns before taking on the Appalachian Trail  Knowing she was a strong hiker Having concerns related to being a trans woman on trail and what unique challenges she would face Trying to learn more about other trans experiences on the Appalachian Trail Feeling a bit alone and not wanting others to feel the same way Deciding to write for an outdoor website called the trek Sharing more of her life online The power of seeing trans people in the outdoors  Speaking publicly and telling her authentic story Trying to be someone queer and trans folk can reach out to  Wanting to be accessible for other people  Documenting and sharing her story while hiking  Blog post - Trans competent on trail  Magical moments while being on the trail  Getting her trail name "Sugar" Suffering with burnout and adventure blues? Post trail depression and planning for it  Mental health and the importance of spending quality time in nature  Mental health habits and what's worked for her Having a rich community of people in her support network Having people who understand where you're coming from  Having good friends  Spending time along Self supported FKT SOBO on the Appalachian Trail  Pushing yourself hard while on the trail Day 1 of the project and why it was a year before starting on the trail The first couple of weeks and the challenging terrain  Why it's fun for her The physical challenge for her body and thinking more about millage  Wanting to know how much she could push her body The planning and preparation before the start of the hike  The Divide to Crest route  Trying to figure out how to make it financially viable  Looking for sponsorship from outdoor brands Physically training and breaking it down into 3 separate chapters The Arizona Trail  Why your feet are everything The New England Trail  Using her home as basecamp Dealing with a little tendonitis at the start Getting hiker legs Food and nutrition while on the trail Taking a B vitamin supplement every day to help with energy Taking electrolytes especially with the hot weather Maple syrup and salt  Doing the trail on a budget - salt, fat, carbs…. Eating foods that she can stomach while on the trail The importance of getting calories in  The idea behind the Divide to Crest Route Getting into route creation  The Great Basin Trail  Finding out more info about the Divide to Crest Route How to connect with Lyla on social media Finals words of advice for women who want to take on a new challenge and step outside their comfort zone Think about scaffolding  Why you don't need to do everything at once.  Build your skillsets over time What can you do this year to move you closer to your goal.    Social Media Instagram @seltzerskelter  

In today's episode of 15:14, Kevin Carson, Executive Director of the Biblical Counseling Coalition, is joined by Lamar Eifert, the Assistant Pastor of Valley Forge Baptist and Director of Valley Forge Biblical Counseling Center. Lamar brings decades of ministry experience in both his local church and in biblical counseling, and his church hosts an annual “Competent to Counsel” conference. He is certified with the Association of Certified Biblical Counseling.  In this conversation, Kevin and Lamar discuss biblical counseling, heart-level change, the church's responsibility to care for the hurting with God's Word, and the upcoming counseling conference. Lamar shares his journey from a secular career into pastoral ministry and biblical counseling, highlighting the sufficiency of Scripture to address the deepest struggles of the human heart. Lamar also emphasizes the need for trained biblical counselors in the Northeast as well as the vision behind the annual “Competent to Counsel” conference. Rooted in 2 Corinthians 5:14-15, this conversation emphasizes that biblical counseling is not driven by technique alone, but by love for Christ and faith in the transforming power of His Word. Competent to Counsel Conference Hosted by the Valley Forge Biblical Counseling Center Theme: For the Love of Christ Constrains Us (2 Corinthians 5:14-15)  Key speakers include: Dr. George Crabb Dr. Charlie Hodges Dr. Kevin Carsoon Dr. Ben Marshall Melissa Baker Scott Wendal Learn more or register at: vfbcc.org/conference   FROM OUR SPONSOR:  To learn more about an undergraduate degree in biblical counseling, go to BoyceCollege.com/1514. For more information on the Biblical Counseling and Master of Divinity degree in 60 months, go to BoyceCollege.com/five.   Support 15:14 – A Podcast of the Biblical Counseling Coalition today at biblicalcounselingcoalition.org/donate.

After the intensity of the Metal Tiger month, a major energetic shift is arriving.   In this episode of Smashing Secrets Feng Shui, we explore the transition from the bold, unpredictable energy of the Tiger into the more refined and strategic influence of the Metal Rabbit month, guiding us through March 2026 and into early April.   The Tiger brought rapid change, courage, conflict and urgency. Many people felt its effects as pressure, disruption, or sudden shifts in direction. But as we move into the yin energy of the Rabbit, the atmosphere softens, offering opportunities for diplomacy, creativity, healing and thoughtful strategy.   In this episode, we discuss:   ✨ Why February's Tiger energy felt so intense and disruptive ✨ The meaning of the Metal Rabbit month in Chinese metaphysics ✨ How the shift from yang wood to yin wood energy changes the emotional landscape ✨ Why March offers opportunities for creativity, design and artistic expression ✨ How to pace yourself during the Fire Horse year and avoid burnout ✨ Feng Shui guidance for the most supportive sectors of your home this month ✨ How to use the Northeast and Southeast sectors to activate prosperity, mentors and recognition ✨ Areas to keep quiet to avoid conflict or delays   We also explore the Trinity of Luck in Feng Shui, Heaven luck (timing and astrology), Earth luck (your environment), and Human luck (your own decisions),  and how aligning these three elements can help you navigate uncertainty and harness opportunities during this powerful Period 9 fire cycle.   March invites us to slow down, reconnect with nature, nurture creativity and build stronger networks through diplomacy and thoughtful collaboration.   If February felt chaotic, this new Rabbit energy offers the breathing space needed to recalibrate and move forward with clarity and grace.   For deeper monthly Feng Shui guidance, personal readings, or detailed flying star updates, you can join our Patreon community.

On this episode of Unsupervised Learning Razib talks to Aaron Renn. Renn is a writer, consultant, and urban analyst known for his work on the challenges facing American cities and religious institutions in the 21st century. He is a contributor to The American Reformer and the author of Life in the Negative World, a book exploring the cultural shifts regarding Christianity in America. Renn previously served as a Senior Fellow at the Manhattan Institute for five years and as a contributing editor for City Journal, having established his voice on urban policy through his widely cited blog, The Urbanophile. Prior to his career in public policy and journalism, he spent 15 years in management and technology consulting, including a tenure as a partner at Accenture. Before getting into the meat of the discussion, Renn and Razib discuss management consulting and the value that a firm like Accenture provides a corporation. Razib wonders whether consultants are simply brought in to rubber-stamp what management has already concluded, but is aiming to pin the blame on an external actor (e.g., layoffs). Renn argues that this is not the case, and in fact, though he acknowledges that management consultants provide an outsider view unencumbered by internal politics that allows them to be taken more seriously. They also discuss the impact of AI on some services that management consultants provide, and the future of white-collar work. Then Renn goes on an extended riff on the rise and fall, and possible new rise, of the Midwestern social and economic landscape. A native of southern Indiana, Renn has spent time in Chicago and New York before settling down in the affluent suburb of Carmel, Indiana. Razib and Renn discuss the decline of the Northeast and the industrial Heartland, and what makes the Midwest unique, with its origins as part of the original early American republican frontier. Renn discusses candidly the upsides and downsides of living in "flyover country," from its peace and tranquility, to the reality that Midwestern metropolitan areas do not have the same intellectual and cultural dynamism as coastal cities. Finally, Razib asks Renn, a Protestant Christian who identifies as evangelical, about the cultural and theological shifts occurring on what was once called the Religious Right. Renn argues that this movement's peak was really in the mid-1990's, and the whole thirty-year period since has seen retreat and retrenchment. He believes that Christians have lost control of the cultural narrative and have to accept a position as outsiders. Renn also addresses the decline of premillennial dispensationalism, most famously illustrated in the Left Behind series of the 1990s and early 2000s, and the rise of Christian nationalism, and in particular, the role of Reformed pastor Doug Wilson in this shift.

The National Park Service said the colorful display is being fueled by multiple rounds of rain since autumn, with blooms expected to continue at low elevations into mid-late March. Also, the warmest weather since October is predicted for some parts of the Midwest and Northeast with temperatures as much as 25 degrees above the historical average. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hey there, I'm Dustin Breeze, your AI meteorologist! I process data faster than a supercell forms, so you get accurate forecasts instantly.Welcome back to the weather segment, folks! I'm absolutely stoked to break down what Mother Nature's cooking up for New York City today, and trust me, it's going to be a wet one. We've got rain moving in, and I mean serious precipitation. This isn't just a light sprinkle scenario.So here's the deal with today's weather in New York City. We're looking at a one hundred percent chance of rain throughout the day, and honestly, you could say conditions are looking pretty precipitous right now. That's my weather pun for the day, and I'm sticking with it! We're expecting between a quarter and three quarters of an inch of rainfall depending on which part of the city you're in. The rain kicks off this morning around five o'clock and continues into the evening. Temperatures are going to be chilly, dropping from around forty degrees down to the upper thirties by evening. We've also got some patchy fog hanging around, so visibility could be sketchy out there. Northeast winds are going to pick up to around five to ten miles per hour in the morning, gusting up to fourteen miles per hour by tonight.Now let's talk about the Weather Playbook, because I want to explain something called wind shear. When you have different wind speeds and directions at different altitudes, that's wind shear, and it's absolutely crucial for severe weather formation. In this case, our northeast winds are actually helping to organize this rain system. It's like nature's way of choreographing a storm dance!Alright, your three day forecast. Thursday we've got that rain I mentioned, high near thirty nine Fahrenheit. Friday clears up a bit with just a twenty percent chance of rain in the morning and a high near forty four Fahrenheit. Saturday's looking better with a high near fifty six Fahrenheit, but showers return Saturday night with a seventy percent chance of precipitation. So honestly, pack that umbrella tight if you're heading to Times Square or anywhere else in the five boroughs this week.Stay dry out there, New York! Don't forget to subscribe to the podcast because we drop forecasts regularly. Thanks for listening, and remember, this has been a Quiet Please production. You can learn more at quietplease dot ai.This content was created in partnership and with the help of Artificial Intelligence AI

To listen to the full chapter and the rest of our Modern Myths, join us on Patreon for just £3.00 a month by visiting https://patreon.com/urbanlegends______________Long before it became a modern campfire story, the 'Pukwudgie' was described in the oral traditions of Algonquian-speaking peoples across the Northeast, a small figure of folklore.Join us as we delve into the history of these strange creatures, just what they are, and what they are said to do across all tales. Text Me (this is 3rd party & I cannot respond, but I see all messages)Support the showIf you have more information or a correction on something mentioned in this chapter, email us at luke@lukemordue.com For more information on the show, to find all our social accounts and to ensure you are up to date on all we do, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lukemordue.com/podcast

And the bar examiners prove once again that they don't care about anyone but themselves. ----- After striking down the Trump administration's tariffs, Chief Justice Roberts has earned nothing but disrespect and abuse from the president he put in power. From a hearty handshake and Trump telling him, "Thank you, won't forget it" last year to getting bypassed in the handshake line at this year's State of the Union, it's been a long strange trip for Roberts. And yet he wouldn't have it any other way because for Roberts, ritualistic humiliation is a small price to pay for dismantling the Voting Rights Act. A blizzard took out the Northeast right before the bar exam and examiners... did not care. And another wrinkle in the AI legal advice discussion, with a different court ruling that chat prompts used in preparing a legal defense are shielded from discovery.

DSmooth, Selden007 and Shadow are back. The streak was broken thanks to the blizzard in the Northeast, but they are still trying to get in as many episodes as they can in 2026. They cover the hot new releases, discuss the big gaming news stories of the week, and respond to some great listener/viewer feedback. With the addition of the aftershow it's a great return episode. Well done! You can always call the crew at (773) 527-2961 and weigh in yourself, or tune in live Monday nights at 8:00 EDT at http://youtube.com/2old2play , http://facebook.com/2old2play , http://twitch.tv/still_got_game and http://kick.com/stillgotgame ... (773) 527-2961 and weigh in yourself, or tune in live Monday nights at 8:00 EDT at http://youtube.com/2old2play, http://facebook.com/2old2play, http://twitch.tv/still_got_game, and http://kick.com/stillgotgame ...

The Fight Factory Wrestling podcast is back on the air today and Dave & Tommy Dee are back in studio! Dave put out a post on social media that caught some attention. Some good, some bad, mostly positive but it raises the question could there be a world in pro wrestling there the "Territories" make a comeback? Northeast would include the heavy hitting promotions like GCW, ACW, HOG and more while the southwest would have companies like ROW with Booker T! Could it work? Lady Frost announces that her contract will not be renewed with AEW, and the fellas sound off about this horrific fumble of talent. CM Punk and Roman Reigns has reached a boiling point already and it's only the beginning of March! Punk bringing up dead members of Roman's family!? His Dad!? Yikes! All this and so much more!! "Tough Luck" is just 17 days away! Get your tickets now for "The Mecca" in Ridgefield!! #CMPunk #AEW #IndyWrestling #FightFactoryWrestling

Northeast Mississippi Community College President Dr. Ricky G. Ford and Marketing and Public Relations Specialist Liz Calvery look at what people often assume about community colleges and what President Ford wishes more people understood — that the quality of education at Northeast rivals, and often exceeds, that of a four-year university. Ford breaks down the rigorous standards required of Northeast instructors, noting that every faculty member holds at least a master's degree or higher in their field. The veteran educator shares how Northeast isn't simply a stepping stone, but a launching pad — whether students are preparing to transfer to a four-year university, land their dream job, or sharpen their workforce skills. Ford also highlights the value and affordability of a community college education, emphasizing that Northeast students receive strong academic support, graduate with less debt, and leave with the confidence to succeed. Listeners will hear how Northeast's smaller class sizes — often a 1-to-20 or 1-to-25 ratio — foster personalized instruction and how instructors take a genuine interest in helping students thrive both academically and personally. Ford discusses the extensive support system available to students and employees alike, noting that Northeast is the only community college in Mississippi with a Director of Employee Development. Beyond academics, Ford explains how students can take advantage of numerous extracurricular opportunities designed to build leadership and community engagement. He also touches on Northeast's statewide articulation agreements that simplify the transfer process to four-year colleges and universities. Plus, get the latest updates on athletics, academics, workforce development, and all the incredible things happening at one of the nation's premier community colleges.

Last week, after a massive Nor’easter hit the Northeast, parkgoers in NYC engaged in what started out as an innocent snowball fight but took a turn for the worse when NYPD officers were pelted with snow and ice, resulting in some injuries for the officers. The incident drew national attention because NYC Mayor Mamdani and NYPD are at odds over criminal charges for the individuals who threw snowballs. Larry Calderone, President of the Boston Police Patrolmen’s Association checked in and discussed not only the NYC incident and what the Boston response would be but also policing in Boston including their ongoing police shortage.See omnystudio.com/listener for privacy information.

Listen to the Sean O'Connell Show every weekday from 11a-2p on ESPN 700 & 92.1 FM

Jim Norton and Matt Serra welcome two lightweights at very different stages of their careers.First, 27-year-old Francis Marshall joins the show following his first-round submission win in Mexico City. Marshall breaks down surviving an early spinning wheel kick before locking up the finish and reflects on bouncing back after a difficult stretch in the Octagon. In his UFC Unfiltered debut, Marshall and Matt connect over their shared ties to the Northeast fight scene, including Marshall's experience competing on Lou Neglia's Ring of Combat — the long-running proving ground for fighters from New Jersey and New York, and a staple for many Serra-Longo athletes over the years.Then, Michael Johnson returns as he gears up for what he's calling one last run at lightweight. “The Menace” discusses longevity, chasing a fourth straight win, how he keeps his body feeling young at 39, and what still fuels him nearly 15 years into his UFC career.In between interviews, Jim and Matt break down the newly announced UFC 327 card, headlined by Jiří Procházka vs. Carlos Ulberg for the light heavyweight title recently vacated by Alex Pereira. They also debate whether Pereira's decision signals a move to heavyweight for Jon Jones — and what that could mean for a potential blockbuster fight at the White House.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Summary: The March Food for Field Bulletin discusses the seasonal shifts in hunting, fishing, and foraging across North America, highlighting the transition from winter to spring. It covers regional variations in wildlife activity, migration patterns, and culinary adaptations as fresh ingredients become available. - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave a Review of the Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy our Wild Fish and Game Spices⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Venison Sausage Making ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Recipes: Green Chile Snow Goose Burgers Korean Snow Goose Potstickers (Mandu) Instant Pot “Pot Likker” Venison and Spring Greens Braised Duck Soupy Rice with Chopped Greens and Mushrooms Stewed Dandelion Greens with Chickpeas and ‘Nduja Chapters: 00:00 Introduction to March's Wild Harvest Report 03:06 Southeast and Deep South Seasonal Changes 05:52 Southwest and Rockies: Transitioning Conditions 09:14 Pacific Northwest and Midwest Migration Patterns 09:47 Northeast and Canada: Winter's Last Grasp Takeaways: March is a transition month for wildlife and foragers. Turkey season opens in parts of the Southeast. Predator movement increases with breeding seasons. Peak snow goose migration occurs in March. Wind affects hunting and fishing strategies. March is wet in the Pacific Northwest, aiding productivity. Snow goose conservation seasons dominate in the Midwest. Ice fishing continues where conditions are safe. Culinary practices shift from winter to spring ingredients. March is a transitional kitchen month, blending old and new. Keywords: March, hunting, fishing, foraging, seasonal shifts, wildlife, migration, cooking, conservation Learn more about your ad choices. Visit megaphone.fm/adchoices

What an absolute heater of a show this week kids! We are finally beginning the thaw out process after yet ANOTHER winter storm in the Northeast! So, with that in mind we are talking about water temperature, and is it a magic number that sets these fish off, or is it about the trends? In the beef seat this week we are joined by none other than the overall kind of fishing themed rap songs; Hi Speed Chase AKA BroNeck! And we tackle a number of topics in the live well from how to document your progress to using spinning gear for glide baits!Follow on your preferred podcast platform, and don't forget ratings and reviews help us a TON! Follow on Social Media and subscribing on Youtube!Consider supporting the show by using the links below, as always; share this show with your fishy friends!Online

Click here to share your favorite car, car story or any automotive trivia!“Every car tells a story, and those stories reveal exactly who we are.” In this episode, Doug and Dave welcome professional corporate and lifestyle photographer Marla Aufmuth into the virtual garage. While Marla has documented landmark cultural events for brands like Nike and TED Talks, her heart belongs to the air-cooled Volkswagen community.

We share how Ronald McDonald House Charities of Northeast Kansas keeps families close to pediatric care, removes daily burdens, and plans upgrades and events to meet rising demand. We also outline simple ways Manhattan-area listeners can help, from rounding up at McDonald's to sponsoring local fundraisers.• mission to house families with children in treatment• services including private rooms, meals, laundry, and transport• steady demand with average 13-day stays and waitlists• exterior facelift and new security system for safety• upcoming room renovations and practical facility upgrades• spring sporting clays and golf events with auctions• August gala with live and virtual auctions• sponsorship options and social media amplification• auction item needs matched to each event's theme• Manhattan, Geary, and Riley County families as major users• how to help locally via roundup, CX012 at Dylan's, pop tabs, and Amazon wishlist• website link and contact to get involved“Registration's open right now if you want to get in on that early bird pricing for a round of clays”GMCFCFAs

In the early 1900s, explorer Ejnar Mikkelsen and a young mechanic named Iver Iversen traveled to northeast Greenland. Their mission? To recover the lost records of a doomed expedition that proved Greenland was a single landmass under Danish control. When their ship was crushed by ice and their crew departed, the mission turned into years of starvation and isolation in what has since become the world's largest national park. For a complete list of our sources, visit npadpodcast.com/episodes For the latest NPAD updates, group travel opportunities, merch and more, follow us on npadpodcast.com and our socials: Instagram: @‌nationalparkafterdarkTikTok: @‌nationalparkafterdark Support the show by becoming an Outsider and receive ad free listening, bonus content and more on Patreon or Apple Podcasts. Catch full episodes on our YouTube Page! Thank you to this week's partners! 3DayBlinds: For their buy 1 get 1 50% off deal, head to 3DayBlinds.com/NPAD Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Devil's Ledger Week of March 2 Winter is doing what winter does — and depending on where you live, it's doing a lot of it. If you're under 35 and living in the Northeast, this may be the coldest winter of your life. In parts of the Southwest, it might be the warmest. Here in Los Angeles, it's been suspiciously perfect. Sorry to our friends back East. The Creepiest Thing I Heard This Week Apparently, Bigfoot is alive and well… and wandering along power line clearings in the Upper Midwest. Multiple sightings, same week. Tall, broad, covered in dark hair, walking upright before disappearing into the tree line. Either it's misidentification — or something out there really prefers utility access roads. On The Devil Within We begin a two-part series on the possession of Anna Ecklund, one of the most documented exorcism cases in American history — a story that may connect back more than a century and across an ocean. On The Ides of April Alexander reaches Egypt and starts naming everything after himself — cities, allies, probably his lunch — until his exhausted army finally refuses to follow him any farther toward India. On Criminal Mischief Carolyn covers the trial of Kouri Richins, the mother who wrote a children's grief book after her husband's death — and now stands accused of causing it. On Taboo Treasures The guys dig into the long history of executions — and how capital punishment has become one of the most politically charged debates of our time. On Finding Me with Josh Wolf Josh continues his daily pursuit of accountability, honesty, and becoming the best version of himself — one uncomfortable truth at a time. This Week in Horror The Bride! reimagines the Frankenstein story in 1930s Chicago, starring Christian Bale, Jesse Buckley, and Jake Gyllenhaal. Follow The Devil's Ledger for weekly updates from across the Evio universe — and share it with someone who likes their news with a darker edge. Because sometimes the strangest stories aren't legends. They're the ones happening right now.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 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  1-937-795-8989 to speak with a freedom coach 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, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   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 and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

As the freight market tightens and costs rise, supply chain leaders must plan ahead, strengthen carrier ties, and stay agile.In this episode of Supply Chain Now, Scott Luton and special guest host Karin Bursa sit down with Bobby Holland of U.S. Bank and Nick Palmucci of Ferguson Enterprises to discuss the latest U.S. Bank Freight Payment Index for Q4 2025. They unpack what “freight market tightening” looks like in practice, with capacity shrinking, shipper spend climbing, and regional performance moving in different directions, from strength in the Northeast to weakness in the Southwest.They also get into what's driving demand shifts and cost pressure, including changes in consumer behavior, softer manufacturing signals, and uncertainty that keeps teams on their toes. Along the way, they share practical moves leaders can make right now, such as building a three-year roadmap, reducing spreadsheet dependency, locking in bids earlier, and operating like a shipper of choice when capacity gets tight. The result is a grounded look at what the data shows, what shippers are experiencing, and how to turn both into better decisions.Jump into the conversation:(00:00) Intro(03:38) Warm-up questions for the panel(06:54) Tightening capacity and rising costs(11:46) Q4 national view: lower capacity, higher costs(15:23) West: softer volumes, higher spend(19:25) Southwest: brief rebound, costs climb(21:56) Midwest: modest gains, mixed demand(24:51) Northeast: strongest growth, higher rates(28:13) Southeast: volumes down, muted spend(30:32) Consumer confidence and freight demand(31:46) Leading through uncertainty: roadmap and tech(40:36) What's ahead: capacity and shipper-of-choice strategyAdditional Links & Resources:Download the latest edition of the U.S. Bank Freight Payment Index: https://www.usbank.com/corporate-and-commercial-banking/industry-expertise/transportation/freight-payment-insights.html?ecid=OTHE_80042Connect with Karin Bursa: https://www.linkedin.com/in/karinbursa Connect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/Learn more about U.S. Bank: https://www.usbank.com/index.htmlConnect with Nick Palmucci: https://www.linkedin.com/in/nick-palmucci/Learn more about Ferguson: https://www.ferguson.comLearn more about Ferguson Home: https://www.fergusonhome.comLearn more about Ferguson Corporate: https://corporate.ferguson.comLearn more about our hosts: https://supplychainnow.com/aboutLearn more about Supply Chain Now: https://supplychainnow.comWatch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-nowSubscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/joinWork with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkThis episode was hosted by Scott Luton and Karin Bursa and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/analysis-q4-2025-us-bank-freight-payment-index-1552

About the Show:"Get your LinkedIn polished, treat it like a professional network and read. Read the things that interest you, but read the things that will challenge you." – Jose SocorroIn this episode of I Am Northwest Arkansas®, host Randy Wilburn sits down with Jose Socorro, regional director for Jan Pro of Arkansas and self-proclaimed "Jersey boy," to explore his journey from Jersey City to the Ozarks and what it takes to build a life in a new place.Jose's path wasn't straight—it wound through Missouri and Oklahoma before landing him in Northwest Arkansas. Along the way, he built small businesses with family, weathered Hurricane Sandy, coached high school football, and worked for major companies like JB Hunt and Central States. Being bilingual opened doors, but it was his willingness to hustle, stay connected, and keep learning that kept him moving forward.Now thriving in Northwest Arkansas, Jose shares what makes this region different—the welcoming business community, the power of chambers of commerce, and how foundational skills like Excel can launch a career. Throughout our conversation, gratitude and community emerge as the thread connecting it all.This episode is for anyone considering a move to Northwest Arkansas, looking to build business connections, or simply curious about what life looks like when you trade the Northeast for the Ozarks.Key Takeaways:Embrace the Power of Connections: Northwest Arkansas has a “one degree of separation” feel—networking and community matter.Learn Essential Skills: Mastering basics like Excel and building a strong LinkedIn profile are musts for young professionals.Gratitude and Perspective: Overcoming challenges and staying thankful helps you grow and prepares you for what's next.Community Matters: Chambers of commerce, local business groups, and giving back make Northwest Arkansas special for workers and families.Quality of Life: The cost of living, opportunities, and welcoming environment make Northwest Arkansas a great place to raise a family or launch a career.Read the Room: Understanding people and staying humble go a long way in business and life.All this and more on this episode of the I Am Northwest Arkansas® podcast.Important Links and Mentions on the Show*Jose Socorro on LinkedInThis episode is sponsored by*Try ONBoardNWA.com Today!*Note: some of the resources mentioned may be affiliate links. This means we get paid a commission (at no extra cost to you) if you use that link to make a purchase.Connect more with I am Northwest Arkansas:Grab our Newsletter Email Us at hello@iamnorthwestarkansas.comConnect With Our Facebook Page Connect With Us on Threads Connect With Our Instagram Connect With Our LinkedIn PageJoin The Facebook Group Connect with our Fearless Host, Randy Wilburn on LinkedInThank you for listening to this I am Northwest Arkansas podcast episode. We showcase businesses, culture, entrepreneurship, and life in the Ozarks.Consider donating to our production team to keep this podcast running smoothly. Donate to I Am Northwest Arkansas

Send a textBig news drops: we're adding two late-season mountain classics to the Cirque Series calendar and turning it into a true coast-to-coast slate. Jay Peak in Vermont brings 7.1 miles with 3,044 feet of climbing and a rugged, two-peak ridge that blends flowy running with real technical spice. One week later, Mount Baldy in Southern California delivers 9.1 miles and 3,926 feet of vert over the iconic Devil's Backbone, cresting Mount San Antonio at 11,000-plus feet with the Pacific on the horizon and LA at your back.We break down what makes each venue special. Jay Peak sits perfectly for Northeast athletes and our neighbors in Quebec and Montreal, with a tram-side festival zone and fast, character-filled double singletrack on the descent. Baldy is rootsy and high-alpine, shockingly close to Ontario Airport, and built for a finish-line party at a mom-and-pop ski hill with deep local pride. Expect steep pushes, ridge exposure, big views, and descents you can actually open up on—plus dates and temps that hit the sweet spot for post-UTMB and fall racing.We also share how a 10-race national series comes together: thoughtful course design that avoids bottlenecks, a summit-first ethos, and an evolving overall-points plan that rewards your best finishes rather than pure volume. With three East races now at or above 3,000 feet of vert and seven in the West, the stage is set for new rivalries, fresh community energy, and one unified title worth chasing. Registration is open, dates are set—Jay Peak on September 26 and Mount Baldy on October 3—and the competition looks fierce.Ready to pick your line and join us on the ridge? Hit play for the full details, then subscribe, share with a friend who loves vert, and leave a quick review to help more runners find the show. Which course are you targeting first?Register for Cirque Series Jay Peak (Sept 26th) - @Cirque JayPeakRegister for Cirque Series Baldy (October 3rd) - @Cirque BaldyCheck out the Cirque Series Website for All Races - TheCirqueSeriesFollow the Cirque Series on Instagram - @cirqueseriesFollow Julian Carr on Instagram - @juliancarrFollow Steve White on Instagram - @steve_white2Follow James on IG - @jameslauriello Follow the Steep Stuff Podcast on IG - @steepstuff_pod

The way we consume video has transformed rapidly, but what does that mean for media companies, advertisers, and families planning for the future? As technology accelerates and AI reshapes workflows, where does human connection still matter most? In this episode, Evan Wohl speaks with Ryan Spicer, Chief Revenue Officer of Atmosphere TV, about how the media industry has shifted from traditional television to on-demand, multi-platform viewing. They explore how streaming, ad models, and AI are reshaping digital media and advertising workflows. Ryan shares insights on connected TV outside the home, the blending of industry buckets, and why human skills like communication and critical thinking will matter even more in an AI-driven future. Ryan shares: How video evolved from scheduled television to on-demand, multi-screen experiences Why Atmosphere TV reimagines content for bars, gyms, and public spaces How AI improves ad targeting, workflows, and meeting preparation Why streaming ad experiences can feel more disruptive than legacy TV breaks The importance of human connection, critical thinking, and communication in an AI future And more! Connect with Evan Wohl: Opus Private Client, LLC  ewohl@opus-pc.com  LinkedIn: Evan Wohl YouTube: OPUS Private Client, LLC Connect with Our Guest: LinkedIn: Ryan Spicer Website: Atmosphere TV About Our Guest: Ryan Spicer is the Chief Revenue Officer for Atmosphere, the leading connected television platform for businesses, spearheading the national and local ad sales teams across the organization.  Ryan is a 18+ year media professional with leadership & strategy experience in linear television, premium digital publishers, content marketing & experiential activations across news, sports, and entertainment. Ryan previously spent more than 14 years at Turner & WarnerMedia, now part of Warner Bros Discovery, helping transform the leading media company from a legacy linear entity to a multi-platform content distributor with robust digital consumer engagement. In recent years, Ryan led client partnerships for the CNN Digital portfolio, across the Northeast, Southeast and Midwest territories, focusing on the brand's digital, mobile and branded content offerings, and was among the sales leadership team for the successful launch of the HBO MAX with Ads steaming product.

Episode OverviewDrew Price of Master Class Angling returns to The Articulate Fly fly fishing podcast to deliver a season debrief from Lake Champlain and discuss the release of his debut book, Favorite Flies for Vermont: 50 Essential Patterns from Local Experts (Stackpole Books). For anglers curious about multi-species fly fishing in the Northeast or the fly patterns that actually produce on Vermont's diverse waters, this episode covers both with depth and specificity.The 2025 season on Champlain was defined by record-low water levels — a rarity that revealed structure Drew had never seen and produced drone footage that will inform future guiding. Bowfin fishing was among the best he's seen in years, and November lake trout fishing exceeded expectations, reflecting growing demand for Laker guide trips. Drew brings that same multi-species perspective to the book, which covers 53 patterns ranging from pragmatic brook trout dries and blue-line streamer patterns to bowfin, gar and bass flies — including Drew's own glow-in-the-dark Clouser Minnow variation for lake trout and Chocklett-influenced bowfin patterns he's adapted for Champlain conditions. The conversation also covers the production process in candid detail: Drew's self-directed macro fly photography, his phone-interview approach to wrangling 50-plus tiers across Vermont and the editorial relationship with Jay Nichols at Stackpole. The historical dimension is a highlight — patterns like the Governor Aiken Bucktail, the Spirit of Pittsford Mills and a tribute to the late Rhey Plumley place Vermont's fly fishing culture in a lineage that goes back to Mary Orvis Marbury's early commercial tying work in Manchester.Key TakeawaysHow a record-low water year on Lake Champlain exposed bottom structure and shifted Drew's understanding of fish-holding spots in ways that will pay off for seasons to come.Why Vermont fly tiers skew pragmatic — tying quickly and in volume over aesthetics — and why beat-up flies often outfish perfect ones.How to properly attribute pattern variations to their originators, and why that intellectual honesty matters for the sport's tying culture.When to expect outstanding lake trout fishing on Lake Champlain, with November emerging as a peak window for fly rod Lakers.Why Lake Champlain's combination of world-class bass fishing, exceptional bowfin populations (including multiple IGFA tippet-class records) and 88 resident species makes it an underappreciated destination for fly anglers.How Tom Rosenbauer's CDC Rabbit's Foot Emerger became a standout pattern in the book, and what the story behind its development reveals about matching emerger behavior in the surface film.Techniques & Gear CoveredThe episode touches on a range of techniques tied to Champlain's multi-species fishery rather than a single tactical deep dive. Sight fishing in the shallows — push-pole work targeting bowfin, gar and carp — is central to Drew's guiding approach, and several flies in the book were designed specifically for those conditions. For lake trout, Drew discusses his glow-in-the-dark Clouser Minnow variation, a deep-November pattern that he describes as producing an unmistakable visual trigger as the fly returns to the boat in the dark. Variations on Blane Chocklett's patterns adapted for bowfin fishing also feature in the book, illustrating how Game Changer-platform thinking has crossed over into the warm-water exotic-species world. The book's fly photography (all shot by Drew himself using a macro setup he developed during the writing process) includes both hyper-realistic imitative patterns — like Thomas Ames's emerging caddis, designed to capture a specific stage of insect emergence — and intentionally rough, high-production guide flies built for Vermont's blue-line brook trout water. The trolling application of the Governor Aiken Bucktail for landlocked salmon rounds out the technique coverage, reflecting the lake's migratory salmonid fishery that intensifies in fall.Locations & SpeciesThe episode centers on Lake Champlain and the broader Vermont fly fishing ecosystem, with the lake positioned as a legitimate destination fishery for bass, bowfin, lake trout, pike, gar, carp and landlocked salmon — as well as brown trout and brook trout in the tributary streams. Drew notes that Champlain has ranked among the top five bass lakes in the country according to Bassmaster for three decades, and that it holds records across IGFA tippet classes for bowfin. The book also addresses Vermont's blue-line brook trout fishery, acknowledging the state's honest limitations as a trout destination (no super-consistent hatches, less predictable than Pennsylvania or Colorado tailwaters) while pointing readers to the wild brook trout corridors that define summer fly fishing in Vermont. Historically notable waters referenced include Furnace Brook in Pittsford — President Eisenhower's favorite trout stream — and the Northeast Kingdom, the setting for an archival photo tied to the Governor Aiken Bucktail chapter. November is flagged as a particularly productive window for lake trout on fly, with record-low 2025 water conditions adding context for why structure knowledge carries outsized importance on Champlain.FAQ / Key Questions AnsweredWhat made the 2025 fishing season on Lake Champlain unusual?The lake hit near-record low water levels in 2025, a sharp contrast to the high-water years immediately prior. The low water exposed bottom structure Drew had never seen, allowing him to understand exactly why fish hold in certain locations. Drone footage from the season is now part of his ongoing location research.What types of flies are featured in Favorite Flies for Vermont?The book covers 53 patterns, with roughly 40 trout flies and the remainder targeting warm-water and exotic species including bowfin, gar and bass. Patterns range from simple Tenkara-style CDC dries to hyper-realistic emerger caddis imitations from Thomas Ames. Several historically significant Vermont patterns are included, such as the Governor Aiken Bucktail and the Spirit of Pittsford Mills dry fly, with full attribution and historical context for each.How does Drew Price approach pattern attribution in his book?Drew is deliberate about crediting the originators of any pattern he's adapted, even when his modifications are significant. Variations on Blane Chocklett's warm-water patterns and a riff on Bob Clouser's minnow design for lake trout are both attributed explicitly in the text. He extends the same standard to historical patterns, tracing variations back through the tying lineage rather than presenting adaptations as entirely original work.When is the best time to fish for lake trout on Lake Champlain with a fly?November stands out as the peak window, based on Drew's guide experience. The season saw strong late-year Laker fishing and a notable uptick in guided Laker trip requests, which Drew describes as a welcome surprise. A glow-in-the-dark Clouser Minnow variation is his go-to pattern for night-time and low-light Laker sessions on the lake.Why does Drew Price consider Lake Champlain an underrated fly fishing destination?Champlain holds 88 species, roughly 30 of which are realistic fly rod targets — Drew has personally caught 15 different species in a single day on fly. The lake consistently ranks among the top five bass lakes in the U.S. and has produced IGFA tippet-class records for bowfin across nearly all classes. Despite those credentials, it remains well below the radar of most traveling fly anglers, which Drew is actively trying to change through the book and continued guiding.SponsorsThanks to TroutRoutes for sponsoring this episode. Use ARTFLY20 to get 20% off of your TroutRoutes Pro membership.Related ContentS7, Ep 27 – Master Class Angling: The Art of Fishing Exotic Species with Drew PriceS7, Ep 8 – Fly Tying Mastery: Tim Cammisa's New Book and Euro Nymphing AdventuresS2, Ep 114 – All Things Game Changer with Blane ChocklettConnect with Our GuestFollow Master Class Angling on Instagram.Follow the ShowFollow The Articulate Fly on Facebook,

Welcome to the latest episode of the Royal Blue Podcast! EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/efc Try it risk-free now with a 30-day money-back guarantee With a trip to the North East on the horizon, Ian Croll and Gavin Buckland sit down to preview Everton's upcoming clash against Newcastle United at St James' Park. After a frustrating narrow defeat to Manchester United at the Hill Dickinson Stadium, the Blues are looking to rediscover their clinical away form against Eddie Howe's Magpies. On Today's Show: David Moyes held his pre-match press conference this morning. The lads "pick the bones" out of the manager's comments, discussing the latest team news—including the return of Jake O'Brien from suspension and the ongoing absence of Jack Grealish. Selection Dilemmas: Ian and Gavin dive into the usual team selection debate. Does Moyes stick with the side that showed "signs of progress" on Monday, or is it time for a tactical shake-up to handle Newcastle's high intensity? The Long-Term Future: With the Blues currently sitting 9th in the table but enduring a winless run at the new stadium, the guys discuss the long-term future of David Moyes. Is he the man to lead Everton into a consistent European charge? Predictions: We wrap up with our score predictions. Can the Toffees replicate last season's final-day heroics at St James' Park? Chris Beesley's Book: Spirit of the Blues: https://tinyurl.com/35yrkvdb *Emotional farewell to Goodison Park | 16-page Everton souvenir picture special:*  https://shop.regionalnewspapers.co.uk/liverpool-echo-monday-19th-may-2025-4583-p.asp *Goodbye to Goodison special souvenir edition:*  https://tinyurl.com/GoodbyeGoodisonSouvenir *Gavin Buckland's Book 'The End' | Order your copy here:* https://tinyurl.com/GavinBucklandTheEnd Everton FC podcasts from the Liverpool ECHO's Royal Blue YouTube channel. Get exclusive Everton FC content - including podcasts, live shows and videos - everyday.  Subscribe to the Royal Blue Everton FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3aNfYav Listen and subscribe to the Royal Blue Podcast for all your latest Everton FC content via Apple and Spotify: APPLE: https://bit.ly/3HbiY1E SPOTIFY: https://bit.ly/47xwdnY Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/everton-fc Follow us on Twitter: https://twitter.com/LivEchoEFC Follow us on TikTok: https://www.tiktok.com/@royal.blue.evertoFollow us on Facebook: https://www.facebook.com/LiverpoolEchoEFC Learn more about your ad choices. Visit podcastchoices.com/adchoices

Paul Rieckhoff is stuck in Florida — airports shut down, snowstorm paralyzing the Northeast — but he's not going quiet. In this special episode, Paul breaks down Trump's State of the Union address in real time, delivering the sharpest analysis you won't hear anywhere else. The speech clocked in as the longest State of the Union ever delivered. Trump spent exactly three minutes on Iran — roughly 90 minutes in. Paul calls it what it is: a missed opportunity, a half-made case, and a failure of presidential responsibility. The core issue isn't whether military action against Iran is on the table — it clearly is. The pieces are in place. The forces are arrayed. Paul knows what that looks like firsthand; he was in Iraq when the U.S. went to war in 2003. What's missing from Trump's address is the one thing every commander-in-chief owes the American people before pulling the trigger: an honest accounting of the cost. No mention of consulting Congress. No coalition of allies. No preparation for what a long conflict — with real American casualties — could mean. Trump's approval rating among independents sits at 26%, down ten points from last year. That number tells the story. Then there's Ukraine. The United States just abstained from a United Nations vote affirming support for Ukraine — standing alongside Saudi Arabia. On the four-year anniversary of Russia's invasion. Paul, who founded American Veterans for Ukraine, doesn't mince words: it's a black mark on America's record, a moment that demanded moral clarity, and a president who chose silence instead. Finally, New York City. Paul weighs in on the viral NYPD snowball incident — where officers were pelted with ice by a mob — and the new mayor's stunning failure to stand with his police department. Paul breaks down why this moment matters far beyond one incident, and what it signals about a mayor who came into office with the lowest trust from the NYPD in recent memory. This is Independent Americans: straight talk, no party loyalty, and the five I's to keep you connected. Stay vigilant. -WATCH full video of this episode here. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Learn more about American Veterans for Ukraine here. Connect with Independent Americans: Subscribe on YouTube, Spotify, Apple Podcasts, and all podcast platforms Read more at Substack Support ad-free episodes at Patreon  Connect: Instagram  • X/Twitter • BlueSky • Facebook  Follow on social: @PaulRieckhoff on X, Instagram, Threads, and Bluesky -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Joe Glascock manages the historic Winecup Gamble Ranch, a 1.2-million-acre buckaroo outfit in northeast Nevada. Established in the Thousand Springs Valley shortly after the Central Pacific Railroad arrived in the area, the ranch features a combination of deeded land and government allotments that includes meadow pastures at 5,000 feet elevation, mountain ranges that climb to 8,700 feet and plenty of expansive, high desert ranges. Glascock, who hired on in 2020, shares the colorful history of the Winecup Gamble , which has been owned by the likes of Utah Construction Company, actor Jimmy Stewart, Paul Fireman of Reebok, and now Stan Kroenke, who also owns the Waggoner Ranch in Texas, the Gang and Douglas Lake in Canada, Singletons in New Mexico, and several other ranches throughout the West. Glascock also recounts his own background, which includes working for the Bureau of Land Management, studying at the King Ranch Institute in South Texas, and buckarooing on several Great Basin outfits. A special thanks to our episode sponsor, the R A Brown Ranch in Throckmorton, Texas. A Rancher's Rendezvous 3.0  March 9-11, 2026    Throckmorton TX rabrownranch.com winecupgambleranch.com

Gio Benitez reports on the millions digging out after a monster blizzard dumped over three feet of snow in parts of the Northeast, and Lee Goldberg tracks two new storms, including a fast-moving clipper system that's expected to bring more snow and ice from Minnesota, to New York, up to Maine; with the search for Nancy Guthrie in its fourth week, Aaron Katersky has details on the family's new $1 million reward for her recovery, and Savannah Guthrie's heartbreaking acknowledgement that her mother “may already be gone." Learn more about your ad choices. Visit podcastchoices.com/adchoices

As seen on Gutfeld!, the Northeast is hit with a fierce blizzard!  NYC Mayor Mamdani wants to see your paperwork… to be an emergency shoveler? Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode - John discusses the recent blizzard affecting the Northeast, the implications of the Supreme Court's ruling on Trump's tariffs, and the ongoing political drama surrounding the State of the Union address. Then, he is joined by Professor Corey Brettschneider. The conversation touches on critical issues such as executive overreach, judicial accountability, and the state of democracy. Next, John speaks with Miles Taylor who is a national security expert that works in Washington, DC. Taylor previously served as chief of staff at the US Department of Homeland Security, where he published an “Anonymous” essay in The New York Times, blowing the whistle on presidential misconduct. He later published the #1 national bestseller A Warning, revealed himself to be the author, and launched a campaign of ex-officials to oppose Donald Trump's reelection. He's worked as an advisor in the George W. Bush administration, on Capitol Hill, as a CNN contributor, and is the cofounder of a DC-based charter school and multiple democracy-reform groups. His latest book is "BLOWBACK". And winding it up, comedian Rhonda Hansome returns to joke with John and listeners about the State of the Union boycotts and Toddler Trump's Tirades and Tantrums.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Record setting blizzard slams Northeast; Historic blizzard grounds nearly all air travel in Northeast; American tourists scramble amid cartel violence in Mexico; and more on tonight's broadcast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A tumultuous snowstorm pummeled the Northeast, the United States won big in hockey and figure skating at the Olympics, and the Supreme Court struck down President Trump's tariffs. Former Senator Jeff Flake is revealed as the winner of an extra special item that was up for grabs in The Late Show's charity auction. Check http://colbertlateshow.com/ebay now for your chance to bid on one-of-a-kind television memorabilia items from The Late Show. All proceeds go to support the mission of our friends at World Central Kitchen! Emmy-winner Ray Romano recalls his many appearances on David Letterman's “Late Show,” and shares the story of going numb from anxiety before his first time performing on “The Tonight Show." Catch him on Broadway now in “All Out” at the Nederlander Theater. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Matt Rivers reports on the record-breaking bomb cyclone blizzard that has paralyzed cities and towns across the Northeast, Ginger Zee has the forecast, and Gio Benitez has the latest on treacherous travel conditions; Whit Johnson has details on some American tourists in Mexico being urged to shelter in place amid waves of violence after authorities said they killed Mexico's most-wanted cartel leader; after an incredible nail-biting finish at the Olympics, Maggie Rulli reports on the welcome home for the gold medal winners' after a whirlwind competition in Milan Cortina – including Team USA's mens hockey team; and more on tonight's broadcast of World News Tonight with David Muir. Learn more about your ad choices. Visit podcastchoices.com/adchoices

'Shelter in place' advisory narrowed for Americans in Mexico, blizzard blankets Northeast with some snow totals reaching 3 feet, and how much do you need to earn to live in your state.

Trump's approval rating drops to 36%, ahead of tonight's State of the Union Address. Tourists are still trapped in Mexico after a cartel leader was killed.  The mother of a school shooter testifies in the Colin Gray trial. The Northeast is digging out of as much as three feet of snow. Plus, Punch the Monkey's Ikea plushie is selling out globally.   Learn more about your ad choices. Visit podcastchoices.com/adchoices

More snow is expected after the Bomb Cyclone that struck the Northeast. President Donald Trump will address the country as polling shows he's struggling to stay in Americans' good graces. Savannah Guthrie offers a new reward for information on her mother's disappearance. A former ICE lawyer turned whistleblower speaks out on Capitol Hill. Plus, Ukraine marks a grim milestone in its war with Russia. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A 21-year-old North Carolina man armed with a shotgun and gas can is shot and killed after breaching the inner perimeter of Mar-a-Lago. Violence erupts across western Mexico after security forces kill Nemesio “El Mencho” Oseguera, founder of the Jalisco New Generation Cartel, in a raid that U.S. officials say included American intelligence support. A powerful nor'easter slams the Northeast with blizzard warnings affecting 35 million Americans as New York City Mayor Zohran Mamdani faces criticism for requiring five forms of ID to shovel snow while opposing voter ID laws. Team USA's men's hockey team captures Olympic gold in Milan with a dramatic overtime win over Canada, marking a historic sweep as both U.S. men's and women's teams top their longtime rival.   Relief Factor: Break up with pain—Relief Factor targets inflammation so you can move better and feel better; try the 3-Week QuickStart for just $19.95 at https://ReliefFactor.com or call 800-4-RELIEF.   Herald Group: Learn more at https://GuardYourCard.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Another British official is arrested over Epstein after former Prince Andrew, cartel violence erupts across 20 Mexican States, and a monster snowstorm strikes over a hundred million Americans in the Northeast. Get the facts first with Evening Wire. - - - Ep. 2647 - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3  - - - Today's Sponsor:  Balance of Nature - Go to https://BalanceofNature.com and order the Whole Health System supplements as a Preferred Customer today. - - - Privacy Policy: ⁠https://www.dailywire.com/privacy⁠ morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Devil's Ledger Week of February 22 The flame is out. The mountains fall quiet. This week on The Devil's Ledger, we say farewell to the Winter Olympics — and to the Italian Alps, whose beauty, history, and lingering shadows reminded us that even the most breathtaking places tend to keep a few secrets. But while the games end, the stories across the network are just getting started. The Creepiest Thing I Heard This Week Nature delivered the reminder. In March of 1888, a storm known as The White Hurricane buried the Northeast under up to 50 inches of snow, with drifts rising to the height of buildings. Communication collapsed. Cities were cut off. More than 400 people died — many only steps from safety. The storm didn't just paralyze the region. It changed it. In response, New York began moving critical infrastructure underground — a decision that eventually led to the creation of the subway system. Sometimes the scariest stories aren't about monsters. They're about how quickly control disappears. On The Devil Within By listener request, we begin a two-part series on one of America's most enduring and unsettling legends: The Mothman West Virginia. The 1960s. Glowing red eyes. Massive wings. Dozens of witnesses. And a chilling pattern — sightings that seem to appear before tragedy. Folklore? Mass hysteria? Something unknown? Or a warning. On The Ides of April A new historical arc begins: Alexander the Great A young king who conquered the known world before the age of thirty — and may have outrun the limits of power itself. Empire. Ambition. Destiny. And the question history always asks: What happens when there's nothing left to conquer? On Taboo Treasures The guys return with a sharp and satirical look at one of humanity's stranger traditions: The most dangerous jobs we've ever created. From ancient hazards to modern risks, it's a darkly funny exploration of the ways people have risked their lives… for a paycheck. On Criminal Mischief Carolyn Ossorio brings updates on several major cases currently dominating the news, including developments involving Nancy Guthrie, Brendan Banfield, and other ongoing investigations. Because in true crime, the story rarely ends when the headlines move on. On Finding Me with Josh Wolf Josh continues his daily journey into the uncomfortable territory most of us try to avoid: Accountability. Honesty. And the work of figuring out what actually needs attention. Personal. Raw. Necessary. This Week in Horror For Gen X horror fans, this one feels personal. The seventh installment of the Scream franchise arrives in theaters. When a new Ghostface targets Sidney's daughter, she's forced to confront her past — and end the cycle of violence once and for all. Some franchises fade. Others grow up with us. And somehow… Ghostface is still calling. Closing Thought As this episode releases, a major winter storm is moving toward the Northeast. A reminder — like the storms of the past — that control is often temporary. If you're in its path: Slow down. Stay warm. Check on each other. We're thinking of you. Until next week… Stay curious. Stay careful. And stay safe out there.