Podcasts about north star

Send Krystal a Text Message.What if securing professional opportunities is less about networking and more about being a decent person? In a conversation with Lisa Cooper Ellison, a trauma-informed writing coach and host of the "Writing Your Resilience" podcast, we explore how authentic connections can open unexpected doors in content creation.Lisa shares how her first major speaking opportunity on NPR arose from connecting with fellow writers rather than a strategic pitch. "These industries are small," she notes, emphasizing the importance of relationships in her work.She discusses her journey from agency therapist to writing coach and podcaster, highlighting the benefits of consistent content creation in enhancing her skills and shaping her coaching programs. Lisa also candidly addresses the challenges of maintaining a podcast amid personal and professional obstacles, offering practical advice for dealing with self-doubt and disruptions.Her metaphor of hill-running encourages creators to focus on the immediate path rather than the overwhelming larger picture. "Let progress, not perfection, be your North Star," she says.Lisa's insights provide a valuable framework for anyone looking to grow their content creation journey. Subscribe to the podcast for more conversations on developing your voice and building genuine connections.If you've wondered why nothing is working in your business in 2025, you need a clear strategy. Download our free guide, Build Your Business's Strategic Foundation, where I'm walking you through a business model canvas and a customer journey map. You'll see how we use this at Proffitt Media, plus find templates for you to create your own. Go to krystalproffitt.com/strategy to download today. Click the "Send Krystal a Text Message" link above to send us your questions, comments, and feedback on the show! (Pssst...we'll do giveaways in upcoming episodes so make sure you leave your name & podcast title.)

Arkansas's AR Learns program provides homeschool families with funds that can be used for educational expenses, including NorthStar Academy's global online courses. As an approved service provider, NorthStar offers accredited curriculum aligned with state standards while connecting students with peers around the world, developing both academic knowledge and cross-cultural understanding.• NorthStar Academy is now an approved service provider for Arkansas's EFA program• Families can receive $1,716 per quarter beginning in the 2025-2026 school year• Funds can be used for curriculum, specialized classes, educational field trips, and more• Similar voucher programs exist in other states including Arizona and Florida• Online learning develops executive functioning and communication skills for college readiness• Global classroom experience connects students across multiple continents• Dual accreditation through ACSI and Cognia ensures quality standardsFor more information about NorthStar Academy, visit nsaschool.com or email info@nsa.school.

In today’s episode we’ll cover common where your North Star is in your birth chart and discuss 5 easy ways to come into alignment with your destiny. Let’s use cosmic guidance to your advantage and remove guessing or hoping for the best as you face major decisions, roadblocks, and beautiful opportunities. Watch https://youtu.be/ugWFaGmIWK4

In today’s episode we’ll cover common where your North Star is in your birth chart and discuss 5 easy ways to come into alignment with your destiny. Let’s use cosmic guidance to your advantage and remove guessing or hoping for the best as you face major decisions, roadblocks, and beautiful opportunities. Watch https://youtu.be/ugWFaGmIWK4

In this conversation, Alicia Britt Chole shares her journey from atheism to faith, highlighting the pivotal role of unlikely friendships and mentorship in her spiritual transformation. She discusses the importance of community, the challenges leaders face, and the significance of recognizing the shadows in leadership. Alicia emphasizes the value of presence in faith, the lessons learned during night seasons, and the nature of hope and despair in the spiritual journey. Her insights encourage listeners to embrace the complexities of faith and the transformative power of God's presence.Mike's Biggest Takeaway's Alicia wanted to be a lawyer and later a Secretary of State.She chose atheism at a young age due to unanswered questions.Unlikely friendships played a crucial role in her coming to faith.Authenticity and sincerity in relationships can inspire faith.The presence of God can be felt even in broken places.Leaders often neglect their inner health while focusing on external success.Satan's goal is to create distance between individuals and God.Faith is a duet, not a solo journey.The night seasons of life are normal and can be mentors.Despair often stems from misplaced hope.Welcome to the Linch with a Leader Podcast, where you're invited to join the spiritual principles behind big success, with host Mike Linch.Subscribe to the channel so you never miss an episode: Watch: @linchwithaleader Prefer just listening? SUBSCRIBE to the podcast here:Spotify: https://open.spotify.com/show/0dJfeLbikJlKlBqAx6mDYW?si=6ffed84956cb4848Apple: https://podcasts.apple.com/us/podcast/linch-with-a-leader/id1279929826Find show notes and more information at: www.mikelinch.comFollow for EVERYDAY leadership content and interaction:Follow on X: https://x.com/mikelinch?s=20Follow on Instagram: https://www.instagram.com/mikelinch?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==https://www.instagram.com/mikelinch/?...JOIN Mike for a Sunday at NorthStar Church:www.northstarchurch.org Watch: @nsckennesaw#christianleadership #faithanddoubt #spiritualformation

Ever feel like you're constantly busy but not making real progress toward what matters most?  That's the frustration horizon planning solves.  Your time is the only truly finite resource you have, 24 hours a day that, once spent, you never get it back. While the demands and options competing for your time multiply endlessly.  Without a clear framework connecting your daily actions to your life's purpose, even the most productive days can leave you feeling empty.Introducing Horizon Planning Methodology.  Horizon planning creates that vital connection, working from your highest vision down to your daily calendar. Based on David Allen's Getting Things Done methodology but simplified for practical application, this system starts with your "North Star", identifying your purpose, principles, and the person you aspire to become. From there, it cascades through progressively shorter timeframes: your 3-5 year vision, 1-2 year goals, short-term projects, and finally, your daily actions.  The magic happens when these levels align.  Decision-making becomes faster and less stressful. Saying yes or no to opportunities feels clear rather than guilt-inducing. Most importantly, your limited time builds toward something meaningful instead of evaporating on endless urgent-but-unimportant tasks.  Ready to eliminate overwhelm and create more impact with your limited time?  Download our free horizon planning worksheet HERE and schedule your first planning session. Your future self, looking back on a life of purpose and meaningful achievement, will thank you.    Text Me Your Thoughts and IdeasSupport the show Brought to you by Angela Shurina EXECUTIVE & OPTIMAL PERFORMANCE COACH

Sellers continues our Summer School series by taking a closer look at the story of Jesus feeding the 5000.

Disclaimer: Meta participated as a guest on this podcast episode, However, Meta does not endorse or sponsor this podcast, its content, or any of its commercial partners or sponsors. Any views expressed are those of the individual participants and do not represent the views of Meta. In this conversation, the hosts have a conversation with Yoni at the Meta Summit about Meta's advertising strategies, the shift towards incrementality in measuring ad performance, and the role of AI in enhancing ad effectiveness. The discussion also touches on the balance between creative volume and quality, and the future of interactive ads powered by AI. 00:00 Introduction to Meta's Advertising Strategy02:53 Profitability as a North Star for Brands05:48 The Shift to Incrementality in Advertising09:05 AI Innovations in Meta's Ad Platform11:57 Creative Volume vs. Quality in Advertising14:47 The Future of Interactive Ads with AI27:32 The Future of Advertising and Customer Service30:48 AI Innovations in Advertising33:34 Incrementality and Customer Acquisition Strategies36:41 Empowering Small Businesses with Advertising Tools39:33 Top of Funnel Strategies and Incrementality42:55 The Evolving Role of Media Buyers49:10 Feedback and Collaboration with MetaSubscribe to The Marketing Operators Podcast here: https://www.youtube.com/@MarketingOperatorsSubscribe to The Finance Operators here: https://www.youtube.com/@FinanceOperatorsFOPS Sign up to the 9 Operators newsletter here: https://9operators.com/

The mics pop like champagne as we usher Miami OG Lea Black back for part 2 in Dallas. What follows is a glitter cannon of gossip, gratitude, and girdle-tight life lessons—all in under an hour. Glitter vs. Grit Lea opens her designer diary: she once slid to the side so “drop-dead gorgeous” Joanna Krupa could shine, and even loaned baubles to castmates “starring in rented houses and leased Jaguars.” She applauds Bethenny Frankel's rag-to-Skinnygirl rise while roasting fame junkies who'll chase a camera “to the opening of an envelope.” Hollywood Stories & Humble Queens Grab your autograph book. Lea bumps into Faye Dunaway disguised in Juicy Couture, the boys accept a curbside first edition from Dyan Cannon, and Pol' watches Zoë Saldana crawl on the boutique floor to play with puppy SnowWhite90210. Patrik fires back: mistaking Courtney Love for a “homeless lady,” then auctioning Pamela Anderson's lap for $10 K at a gala. The moral, via icons Betty White and Anna Nicole Smith: class never goes out of style. Skincare Royalty & the Chump Army We chat about Lea Black Beauty serums, masks, and miracle oil and Pol' confesses he ditched Obagi for Lea Black Beauty. Cosmic Signs & Coffee Grounds Pol's 2nd half of Lea's Armenian coffee divination crowns Lea “queen of limitless lanes.” Two new ventures shimmer in the grinds: an affordable-housing empire for son RJ and a hush-hush jewelry play. The trio compare destiny detours—from a Phuket flight missed before the 2004 tsunami to pilots grounding planes on “feng-shui feelings.” Hot Topics & Runway Rundown Headlines fly: Gene Hackman's carbon-monoxide tragedy prompts a detector PSA. Jeff Bezos plans to rocket Lauren Sanchez, Gayle King, and Katy Perry into orbit—Lea yells “Prenup, please!”Fashion time: Pol' torches the RHOM reunion looks—Lisa Hochstein's iridescent foil (“Forever 21 clearance”), Larsa Pippen's emerald ruche, and Alexia's metallic mini—branding the set “Star-Wars prom.” By contrast, Greg Lotus's portrait of Lea in a bias-cut ivory gown is christened “Rich-Bitch Perfection.” Money, Morals & Mega-Billions Lea slams corporate layoff kings, privatized-FAA chaos, and royal PR spin. Her mantra: “Show me where you spend your money, time, and influence, and I'll show your values.” Love, Security & Limitless Hustle Coffee grounds confirm attorney/philanthropist Roy Black is Lea's steady North Star—“that box is forever checked.” With home secure, she juggles a dozen gigs and yearns for five more. Patrik crowns her the “Ozempic of people—one shot and your goals slim to what matters.” Lea's final words: “I feel naked—inside and out—but drape me in couture and 60 carats, darling!” This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! Subscribe to our audio: linktr.ee/undressedpod Follow Pol Atteu:  Instagram: @polatteu  Tiktok: @polatteu  Twitter: @polatteu  www.polatteu.com Follow Patrik Simpson:  Instagram: @patriksimpson  Tiktok: @patriksimpsonbh www.patriksimpson.com Follow SnowWhite90210: Instagram: @snowwhite90210 Twitter: @SnowWhite9010 www.snowwhite90210.com Watch Gown and Out In Beverly Hills on Prime Video.  www.gownandoutinbeverlyhills.com #UndressedPodcast  Armenian Coffee Reading: https://polatteu.com/armenian-coffee-cup-read Learn more about your ad choices. Visit megaphone.fm/adchoices

What if sticking to your goals had nothing to do with motivation, and everything to do with what's non-negotiable to you? In this episode, I break down how tying your goals to the things you simply won't compromise on, can completely change how you show up and follow through, how to find your own North Star, and why the most successful people aren't actually busier, they're just more focused. If you've ever felt scattered or off-track, this one's for you.

“I was following my North Star and definitely loving what I was doing—just not how I was doing it.” ~ Molly CarrollI'll never forget waking up one morning in Costa Rica while leading a women's retreat. Surrounded by yoga, healthy food, and meaningful transformation, I should've felt alive and fulfilled. But instead, I felt utterly exhausted.So I took a solo walk on the beach—not to escape, but to survive.Even though I was in my zone of genius—supporting others and sharing tools for healing—I was deeply burned out. At the time, I had over 30 clients, was writing books, had just finished a TED Talk, was running retreats, parenting two kids, and helping care for my mother as she battled cancer. I was giving everything I had to everyone else.But underneath it all, I was fighting internal demons: shame, perfectionism, fear I wasn't doing enough—or being enough—as a therapist, mom, wife, and daughter.I was experiencing what Scott Anderson, our guest this week on the Cracking Open podcast, calls burnout.And wow… do I wish I had Scott's work back then.But lucky for all of us—he's here now. And he's here to help you.Scott Anderson is the author of You're Not Toast and founder of DoubleDare, a coaching organization helping high-achieving professionals break free from burnout. With 30+ years of business ownership, therapy training, and ICF coaching credentials, Scott's work blends business acumen with a deep understanding of the emotional and mental toll burnout takes.Scott's own story is one of profound transformation. After losing his son Max to addiction, Scott found himself broken, exhausted, and questioning everything. That grief led him to reevaluate his life, uncover his values, and rebuild with more humility and purpose.From this space, the Burnout Breakthrough Method was born—a framework that helps people reconnect with their energy, release emotional weight, and create sustainable, joyful success.In today's conversation, we talk about:✨ What burnout really is (hint: it's not just being tired)✨ Why high-achievers are most at risk✨ The intersection of grief, purpose, and healing✨ How to recover quickly and permanently from burnout✨ Why passion isn't enough—and how to work in a way that doesn't cost your health or soulIf you're feeling exhausted, disconnected, or like you're carrying the weight of the world, let this episode be your own beach walk—an invitation to slow down, reflect, and reconnect.Because there's more joy available to you than you could ever imagine.

We're pulling another banger episode out of the Patreon vault this week with our episode on the 1999 classic Deep Blue Sea starring Samuel L. Jackson, LL Cool J and Thomas Jane. But first did Cody get a new tattoo? How did it remind Cody of Terry Moore's art in Rachel Rising? Do we have a Toni Morrison horn? Did Cody love The Private Eye by Brian K. Vaughan? Was Janice Soprano in this movie? Do they rip-off Jurassic Park in this movie? Was this Anthony's first time watching Deep Blue Sea? Is this Cody's favorite shark movie? Were sick end credit songs necessary in 90s movies with rappers turned actors? Do we love the LL Cool J song Deepest Blue? Was Susan the true villain of the movie? Is there a little bit of Alien and Free Willy in this movie? Does Anthony have solidarity with orcas? Does everyone get eaten in this movie? Are they trying to cure Alzheimer's in this movie? Can shark swim backward? Was Preach our favorite character? Would we consider this a horror movie? Did we think Samuel L. Jackson's character would end up being the villain? Was this the best movie of 1999? Was '99 banana bonkers stacked? Do we make our first sports reference in this episode? Will Comics and Chronic be the voice of the summer Olympics in LA in 2028? Was Deep Blue Sea ahead of its time? Is Jaws the best shark movie? What is Cody's dark secret this episode? Does Sam Tallent have a great impersonation of Cody's laugh? Could the sharks in this movie take down the Titanic? Why does Cody want Anthony dead? Does Anthony have Michael Rapaport vibes? Is the Thomas Jane Punisher movie the best one? Is The Bronx Zoo Anthony's North Star? Are the guys working on a trilogy of Bronx Zoo horror movies? Can you dab shark brain juice? Is Jake still giving away House of Slaughter Vol. 1?New episodes every THURSDAYFollow us on social media! Bluesky // Instagram // Twitter // TikTok :⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@comicsnchronic⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.youtube.com/channel/UC45vP6pBHZk9rZi_2X3VkzQ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠E-mail: comicsnchronicpodcast@gmail.comCodyInstagram // Bluesky:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@codycannoncomedy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: @Cody_CannonTikTok: @codywalakacannonJakeInstagram // Bluesky:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jakefhaha⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AnthonyBluesky // Instagram // Threads // Twitter // TikTok:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mrtonynacho⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

What if sticking to your goals had nothing to do with motivation, and everything to do with what's non-negotiable to you? In this episode, I break down how tying your goals to the things you simply won't compromise on, can completely change how you show up and follow through, how to find your own North Star, and why the most successful people aren't actually busier, they're just more focused. If you've ever felt scattered or off-track, this one's for you.

Born in France almost 50 years ago, Decathlon has grown into the world's largest sporting goods retailer with over 1,700 stores in more than 70 countries. On today's episode of Redefiners, Simon Kingston is joined by our new co-host, Marla Oates, as they sit down with former CEO of Decathlon Barbara Martin Coppola. Barbara takes us through her globe-hopping journey in leadership roles across several industries, including technology, home furnishings, food delivery, and consumer electronics before she came to the CEO role at Decathlon. She talks about the need for a clear North Star to enable transformation, creating a culture of innovation, driving a circular product strategy, and redefining Decathlon's customer experience in-store and online. Plus, as a member of the board of directors at INSEAD, she shares her insights on how educational institutions' next generation leaders need to redefine what skills will be needed in a rapidly changing world. We'll also hear from Pam Fitzpatrick, Global Head of Sustainability at Russell Reynolds Associates. Pam will discuss key insights from our 2024 Sustainability Report and the commitments we've made as a firm. Four things you'll learn from this episode: How a North Star and guiding purpose can shape overall business strategy and leadership development How to build a culture of innovation while maintaining a clear vision of quarterly, annual, and longer-term goals How a circular product strategy impacts product life cycle from design and distribution through end of life How educational institutions and young people need to redefine the skills needed in a rapidly changing world If you enjoyed this episode, you might also like these Redefiners episodes: Paws, Purpose & Profit: A Conversation with Pets at Home CEO Lyssa McGowan Leadership Lounge: Beyond Handshakes – How to Build Trust and Transform Executive Team Performance Unpacking Leadership Lessons with Marriott International President and CEO Tony Capuano Leadership Lounge: What do top-performing teams have in common? Outwork the Competition: Jordan Brand's Winning Strategy with President Sarah Mensah Leadership Lounge: How to develop your personal leadership brand

In this episode of The Current Podcast, we're joined by Rob Bradley, SVP of digital revenue, strategy and operations at CNN International Commercial. He shares how CNN has evolved far beyond its broadcast roots — and how it's now helping brands tell more impactful stories across everything from connected TV (CTV) and free ad-supported television (FAST) channels to TikTok and LinkedIn. Episode TranscriptPlease note, this transcript  may contain minor inconsistencies compared to the episode audio.Damian Fowler (00:00):I'm Damian Fowler.Ilyse Liffreing (00:01):And I'm Ilyse Liffreing.Damian Fowler (00:02):And welcome to this edition of The Current Podcast.Ilyse Liffreing (00:09):This week we're thrilled to be joined by Rob Bradley, the senior vice rresident of Digital Revenue Strategy and Operations at CNN International Commercial.Damian Fowler (00:18):Now, Rob has played a key role in CNN's evolution over the last 10 years from a broadcast powerhouse into a cutting edge digital platformIlyse Liffreing (00:26):That includes launchpad, CNN's AI powered advertising tool that's been driving smarter, more targeted campaigns for nearly a decadeDamian Fowler (00:35):From global banks to tech giants like Samsung and even government launchpad has helped brands show up on CNN's platform in ways that are both innovative and effective.Ilyse Liffreing (00:45):So in this episode we'll explore that journey, how launchpad got its start, what it's become today, and how CNN is helping advertisers navigate a complex digital world using deep audience insights and data at scale.Damian Fowler (01:00):So let's get into it. So Rob, let's start by talking about Launchpad. Not everyone's familiar with it, but it's been designed to help brands market themselves to CNN's audience. So I know it's eight years old. Can you talk about the tool and how it's evolved to this point?Rob Bradley (01:19):Yeah, I mean, to take a step, media companies and news brands today need to be so much more than just a platform where someone can serve a traditional ad to reach an audience. Of course we do that and embrace that, but our audience exists in a multitude of different environments. Now, of course, o and O, which can be TV to digital assets, websites, but of course Fast and CTV now. And of course they're all across social, which means that when we're working with brands today, we need to have tools that enable us to reach audiences in all of those environments. Essentially our clients expect that from us. So we have to innovate to be in those places. And also of course, by utilizing areas our audiences exist in today such as social, it means we get a broader reach. So we try and of course a lot of brands are nervous about social, and of course we do compete somewhat, but I like to flip it on its head and think about how can we use audiences on off platform environments to our advantage?(02:16):So launchpad essentially is a good example of that. It's an in-house social media agency, essentially utilizes latest talent. I would say. I think people do come first that really understand the latest technology to help us understand our audiences both on and off platform. That did launch really just reaching audiences in places like Facebook, but now it's across all the meta platforms, YouTube, LinkedIn, TikTok, and more. And over the years that team, through utilizing technology, have automated processes. We understand sentiment of what people are consuming, how they feel against our content that we distribute both on and off platform. And then we use those insights to indeed empower the next piece of creative, let's say. And it feeds into our brand studio, which is called CNN Create, which actually touches about 70% of our campaigns now. So it's all about the way we go to market is really about selling stories and content and then utilizing the impressions and volume of scale we have around that in a smart way.Ilyse Liffreing (03:15):And today, CNN Parent Company, Warner Brothers Discovery has only massively grown since the launch of launchpad and has so many touchpoint and audience insights. You have the entirety of the Harry Potter world and DC comments to seen in news. How do you make sense then of all that data and how does it come together to benefit a launchpad campaign?Rob Bradley (03:41):So first of all, I'd say there's still a job to do and an opportunity of gathering all that together because there's so many touch points that both can power the marketing of movies that say as well as the targeting of campaigns. And those targeting of campaigns can of course be owned and operated environment. So again, we can push audience insights into social platforms to target through tools like launchpad, but ultimately by understanding who our audiences are means that we can do three things. We launched a product called WBD AIM basically, which was actually born out of CNN, used to be CNN aim, and it stands for Audience Insight Measurement. And really it means that of course we talk about targeting quite a lot, that's where the rubber meets the road. But really as a severe successful media company today, you need to go to market with insight led sales.(04:29):So use that data to inform sales to the clients, proving upfront why you've got the right audience and why they should trust you. And then of course there's the targeting the audience piece, and then there's the measurement of proving what you have done has worked. And so that aim piece all comes together as one kind of data play. And where we have had success of bringing that together so far internationally is CNN Eurosport D plus in the UK and TNT Sport in the UK now exists in one platform. And also of course that's really good for programmatic as well. We can push those audience insights, put them into the marketplace and enable brands to buy programmatically against that. So very much in the programmatic space, we're aiming at the more premium PG programmatic direct marketplace.Damian Fowler (05:16):Can I just ask you off the back of that, do you see news as part of that whole package or it's not a sort of siloed separate piece of what you are offering?Rob Bradley (05:27):Yeah, that's a really good question. I think if you are a brand that wants an engaged audience and you want to be part of a conversation that's happening today or drive a conversation, news obviously makes sense. But of course I wonder if this is where you're going. News environments are challenged at the moment in some respect. There is a prevalence of I think, unfair news avoidance in the industry, particularly with very blunt keyword block lists that are being used, which is pretty well covered in the press and that is a major challenge. However, sports has a similar issue, right? Because words like shoot and shot and attack are used all the time just as though are news. So actually sometimes if people think of news straightaway, but there's a broader issue with that. And the reason why I mention that because actually news and sports is both live, it's what's happening today, it's audiences certainly where we sell it can be sports enthusiasts across both platforms at the broader end, it can be business decision makers, it can be C-suites, it can be high net worths bringing those audiences and ultimately linking it to what WBD has an abundance of is very premium, very trusted, very brand suitable environments you could say.(06:39):And that marketplace of WBD and WBD Connect is the programmatic marketplace will keep growing.Ilyse Liffreing (06:47):Now you talked about how your bridging basically social to programmatic. Have you seen one success in that so far and interest from the brands you've been working with?Rob Bradley (07:00):I think it's basically it was quite an early adopter of programmatic in the belief that it enables the human led work media owners to grow. And that has been proven in embrace technology to do what it does well, highly scaled targeted impressions that started on the website that say ever increasing on CTV and FAST for us, joining all that together, putting our own data into those environments, trying to work at the premium end of it so that we get the yield up and really embracing the technology to do that married with what only we can do best, which is linking directly with a brand, understanding a brand on their agency. In many markets we go brand direct though really understanding what their challenges are and what stories they've got to tell. And then coming up with this multi-platform strategy that can include programmatic maybe at the mid funnel or the performance end, but also linking it to a full multi-platform strategy, which may include CTV, fast Web and tv. And actually 80% of our direct campaigns include all of those platforms and include that social piece. And I think the reason why I've sort of spoken about social in is I think people often wonder about how we can utilize it to make money, but actually it's a really important part of our business where we're kind of using the best of what programmatic can offer, the best of what social can offer and then the best of storytelling.Ilyse Liffreing (08:27):Yeah, perhaps I would love to hear about a brand that perhaps you guys have been working with and how you are really measuring that success. I'm curious if any platform or audience perhaps outperformed your expectations.Rob Bradley (08:43):Sure. Well, I spoke about linking CNN storytelling that could have social impact in some way or drive conversations or change opinions. And that is when we have a really strong partnership with the brand, that's what we do for them. Really it's about how can we change perhaps a view or input a view into someone's mind that they may not have had about a brand based on facts or something that brand is really genuinely doing to try and make the world a better place beyond just perhaps selling a product. So CNN Embarks on a really bold program with Samsung recently, it was exactly a campaign that I said truly multi-platform include tv, digital, social, so use launchpad for off platform distribution and it really highlighted how Samsung technologies are being used to make the world a better place. Everything from the way they t trawl the ocean to dig up fishing nets and some of those fishing net parts are used in their mobile phones to a great story around how their TVs add access for the heart of hearing where we had a gentleman that was on stage with Beyonce who was doing sign language while she was performing, who went viral because he's an incredible character that really can literally make you hear the song using his hands.(09:54):It's amazing with hisIlyse Liffreing (09:55):MovementsRob Bradley (09:55):And he uses a Samsung TV at home, he feels it gives him what he needs considering that his hard of hearing challenges. So all those stories, it does involve a product, but really it's about a person, a human led story. We know that human led stories cut through a cluttered internet more particularly if they have some sort of emotional response that they offer, I can make you sad, happy, and ultimately the goal was to shift opinions about that brand. So looking at the data that we have, but 81% agreed that seeing the branded content that Samsung made made them think they were a more socially responsible company. 86% agreed that the branded content salt told them something about Samsung they didn't know before. And 84% agreed that branded content showed the value of Samsung as being more attention grabbing. So there's those hearts and minds movements that these campaigns at the brand's level kind of goals that they have. And that's really what we did with this campaign.Damian Fowler (10:53):That was great. Yeah, that's an interesting convergence of values and emotion and storytelling, but if we could sort of maybe look at some of the takeaways from the Launch Bank campaign and then get bigger from there. How did you measure success? I know you just mentioned some metrics right there for Samsung specifically, but did any platform or audience outperform your expectations?Rob Bradley (11:19):Yeah, I think we try to be platform agnostic somewhat when it comes to what the campaign goals are. So take within social, if the campaign of course is reaching consumers, we're more likely to use meta talk environments, YouTube, however of course if the campaign is more skew towards as a business audience, LinkedIn is more increasingly used. So it's not necessarily that one platform surprises because we'd set up the campaign at the start to meet those specific goals of that campaign. And within Samsung of course this was a consumer campaign, so those consumer platforms to reach and actually for that, TikTok did provide, and I think it was one of the first times that they'd ever worked with TikTok with a media owner and they trusted us because of the relationship that we have to deliver that campaign on TikTok. So that did have for one of the first times we've used it, a really important play within our overall multi-platform strategy.Damian Fowler (12:15):You mentioned insight-led sales, that means you have a good view of audience segments. Could you talk a little bit more about that and how you think about audience and how you break it down? And then the second part of that I guess is was there any unexpected reaction or behavior response from campaigns from these different areas of viewership?Rob Bradley (12:39):Yeah, I think we've had to get really sophisticated with understanding audiences and I'm linking who our audiences with our content. It touches on something I was talking about previously when it comes to the changes around news and news avoidance and brand safety and brand suitability. But that doesn't mean that all politics content should be blocked, for example. So I suppose there's the traditional side that we have of understanding our audiences of, okay, this is someone that's interested in reading a lot of business articles around finance. And then we can layer in personal identifying data where we have it and define and target that audience. But now we also add a layer in, we built a tool called sam, which is a sentiment analysis moderator, which also now kicks out a positive and negative sentiment score on our articles. So we know that if an article is about a scientific breakthrough, for example, that's a cure for a disease that may have innovation, technology may be very positive, but actually the word disease might have been blocked if you're using a more blunt keyword list. So with our clients, they trust us to use SAM to use more positive and negative targets. So we layer the kind of contextual element as well as the data element, and that runs on pretty much every single one of our direct campaigns.Ilyse Liffreing (13:56):Very cool. It sounds like a use of AI right there, if I'm not mistaken.Rob Bradley (14:00):It's an interesting one because we've had it for about five years and it is AI is machine learning and the reason we built it is because it ultimately unlocks more impressions than perhaps some of the off the shelf tools do.Ilyse Liffreing (14:11):Very true. Because also you're not just selling content to, you're selling a sustainable digital business. Would you say is your North Star when balancing that audience trust with monetization being CNN is such as a storied publication and company with multiple digital touch points?Rob Bradley (14:38):Yeah, good question. I mean, first of all, CNN's a global brand that's built on trust. We have some of the world's greatest journalists here and in a world that's growing in myth and disinformation is vital for society that they can rely on a trusted voice and reputable news organizations like CN. So I suppose our North Star is to of course lead with that trust but then make sure that we're essential for customers every day. So there's this sort of trust, but then there's also a premium environment and experience and that kind of goes hand in hand with advertisers going back to that storytelling piece or even putting an ad in an environment that has news. Brands want to be in a trusted place, so we really need to make sure that we're premium and that we're trusted first and foremost. But then also we need to embrace new ways of driving revenue.(15:29):We can't just rely on advertising, which is why we're embracing this direct-to-consumer business model to succeed over long-term. Linear in TV is still really, really important as of course is web, but exploring new digital monetization models that complement all those revenue streams are really important. So look fast is one of them, and CTV audio is one of them. We have CNN underscored in the us, which is kind of product recommendations and review sites, so e-commerce and of course as mentioned, the subs business, this direct to consumer business we're building. So we have to kind disrupt ourselves and embrace that to build a sustainable future.Damian Fowler (16:10):Rob, your role is you work for CNN International. So you look at the big picture obviously, and this is about a big picture question here, it's global, but it's also personal. So how do you think about that interaction, building digital products and content that both may be relevant at scale but also have to have local impact?Rob Bradley (16:31):I'll give you a kind of recent example. We announced plans to launch some CNM weather as our first standalone digital lifestyle product very recently, the upfront over in the us. So it is about expanding our content beyond news. As I mentioned, we already have travel, business style and tech and all of these different areas, but essentially builds on what we're good at, which is best in class live coverage of what's happening. Immense resources dedicated on the ground locally in this instance can of course be weather reporting and visual storytelling around weather. It's a way for CNN to bring these major weather events. So it may happen locally, so relevant information locally, but also huge interest globally. Think about the LA fires as a mass audience around the world, but also allows just simultaneously up to date weather forecast to help consumers get up to speed of what's going on there each day. And that's just a good example of something we've launched recently that has that both local, national and global relevance.Damian Fowler (17:29):I think it's always been a staple of good local news. Talking about right here in the US right now, there's some challenges to public broadcasting and one of the things that they have are these local stations that inform people about local weather events and that's crucial, especially in the tornado belt for instance. So I think weather obviously is key. And it's interesting to hear you say that obviously this is a fast moving space, the digital commercial space. As you look ahead, what are the biggest opportunities you see for CNN to lead here in this space? I guess AI is one of those things, immersive content. What else are you thinking about?Rob Bradley (18:10):Well, the CNN synonymous with video led journalism. Ultimately we're a video company that started on cable and is now in all these platforms that are ever expanding. But really we obviously want to continue and focus on that legacy if you like. So expanding our current subscription offering in the fall, as you guys say over there, autumn, as we say across the pond in the uk, essentially the launch of a new streaming product that's due ultimately in the US then but will soon be rolled out internationally as well. Providing a individual one stop place where audiences can access our journalism, our original programming, they can choose from live channels, catch up on features, a video on demand, and it'll be on all platforms from mobile apps, CTV and the.com websites. And it's going to be part of a new subscription, which is called CNN's All Access subscription.(19:01):So an example of embracing streaming video led alongside the other channels. And of course embracing the fact that our audience exists on mobile vertical video has been a huge investment for us. It's what consumers want, we understand their behavioral patterns. So we've basically grown our vertical video capabilities across our platforms and will be a key pillar as we continue. I also think it's about fostering direct relationships with audience, which is something that social does really well. Actually. We've already established some of these areas. Take Anderson Cooper's All there is podcast, which is fantastic, it's around grief, but literally has led to thousands of voice notes and interactions. Ranson himself so much that he built. And we built an online grief community, which essentially is where you can hear voices and other stories of people respond to comments and stories of their own grief and there's a really engaged community around that. And then of course podcasts and audio exists in audio, but more and more they're being recorded. And actually if you look at all areas podcast as well as the assignment of Cornish and Chasing Life of Doug, Sanjay Gupta, they're all video now as well and available there. So I think you're going to see news brands like seeing and leaning into this kind of personality led kind of opportunities as well.Ilyse Liffreing (20:18):Yeah, that's really exciting. The streaming space has exploded, obviously. And I'm curious how CNN All Access is going to differentiate itself enough or stand on its own in order to get those subscribers.Rob Bradley (20:38):Yeah, it's not necessarily a part I manage directly to be honest, to be honest with you, but I say CNN, it goes into another something we spoke about previously, which is around the history of the brand, the legacy of the brand, the power of a brand, right? No one can deny that CNN is a brand that doesn't touch all corners of the world and it's still highly, highly relevant. And it's funny, when you look at sometimes when you use the word a legacy brand or traditional media, it's almost used in some sort of negative connotation. Stay with me. You asked me a question, I'm going in a different direction. But sometimes it's used in this kind of negative connotation. But if you look at other areas like Luxury UMES or Rolex Legacy has a value. Auto Rolls Royce technology, I would say even like IBM or Apple, even their legacy is important because that brand stands for something as it does for CNN.(21:42):So those brands also innovate and make sure they're relevant for today. And I'd say streaming is just an example as well as podcasts as well as what we're doing. Launching the weather app is an example of CNN disrupting itself, making sure it's relevant today, but as well, not giving up on that legacy of who we are because that brand stands for something. So how are we going to stand out is having some of the best journalists in the world having one of the biggest brands in the world and making sure that what we do is authentic, fact-driven and trust base.Damian Fowler (22:15):That's great. So we've got a few quick questions here to hit you with to close this out. So alright. First off, what brand or publisher is doing something unexpected that you admire?Rob Bradley (22:30):Arnold Schwarzenegger's Pump Club. What love that You should have seen my comms team face when I said I was going to say that he's a yes. Firstly, I know this is an audio recording or a video recording, I'm not, if you can see me, I'm not someone that is a bodybuilder, but I do really, oh, I dunno. I do really like Arnold Sch and actually his pump club. I use it for the emailers, but there is a podcast as well. He is got an emailer, he's utilizing an ever-growing medium, let's say, from sending out email news. He uses his personal brand to form a relationship with an audience, his heritage in fitness, the rise of emails, as I said. And he shares really valuable information to a defined audience. It's really fact driven, it's really science driven today, which proves we do read it. He was reading, basically sharing a study on potassium and the benefits of increasing your potassium intake and how it can have on the heart. So he's got lots of links to real studies. The commercial model does mean he's trying to sell you a few things along the way as well. But I find it interesting and I think it's a great use of someone using all these tools that are available today to connect with an audience.Ilyse Liffreing (23:52):Yeah, that's a fun one. I like that.Rob Bradley (23:54):I love that there's oneDamian Fowler (23:54):Guy who knows how to connect to an audience. It's Arnie.Rob Bradley (23:57):Yeah. And do you know what? I saw him in New York last time I was there and he was sitting two meters away from me for at least two hours. And I didn't have the guts to say hello, but I was happy just being in Arnie's presence.Ilyse Liffreing (24:10):Yeah, amazing. If you could fast forward five years, what would you want CNN's digital presence to feel like to a 25-year-old?Rob Bradley (24:23):I mean, look super relevant, both from a personal point of view to also giving that individual information they need to know or should know about what's happening in the world. I think you don't want it too personal so that people are in their record chambers that say it should be video led. And of course it should be accessible on the platforms that that person wants. It should be ubiquitous, but it also should be predominantly on owned and operated platforms. It's important that we continue to invest in the core. And I know we spoke about social work, important to invest in the course, it should be owned and operated platforms that CNN has predominantly.Damian Fowler (24:59):And finally, late night breaking news alerts or morning deep dive newsletters. What's your personal preference or should we say news ritual?Rob Bradley (25:10):It sounds like a question as a news kind of person I should think about all the time, but I've realized, I go so deep in the mornings. I'm like within 15 minutes I've checked obviously CNN, but I've probably checked BBC, the Guardian New York Times. I check Fox News to see how they're approaching a story and then I'll go into podcasts on the way to work and then I'll probably check things like The Economist and things like that to go deeper as I've got more time. So I kind of utilize everything and I go pretty deep, but it probably tails off towards the end of the day. I think I've had enough by the evening, and that's more when I want to chill out of a glass of wine and watch a movie. I have some nice food.Damian Fowler (25:52):So, what was your what take, what was your big impression from that conversation with Rob?Ilyse Liffreing (25:59):Yeah, my big impression was really how, and this isn't surprising from CNN, but how they lead with storytelling when it comes to their managed brand campaigns. I love the example that he gave was Samsung who found when they managed their campaign across multiple digital touchpoints, they found that the audience 86% agreed that branded content told them something new about Samsung that they didn't know before. And that's really powerful when you're a brand like Samsung.Damian Fowler (26:34):Yeah, I thought that was very telling and I think even more the idea that CNN is really looking at and audience reaction, not just in terms of its own content, but in terms of the branded content. I thought that was also very interesting when we asked him about campaigns that have kind of caught them by surprise. And that idea that CNN International had launched a campaign that was targeted specifically a young affluent demographic in the city of London. But actually when they looked at the backend and looked at the measurement, it was hitting beyond London, outside of London to empty nesters whose kids had already left home, which was a surprising insight, but also allowed him to pivot the campaign to target that group. So I think the idea of audience strategy, being nimble with audience strategy and the fact that the digital frame allows a brand like CN International to be much more nimble right now. I guess that's an interesting takeaway for me.Ilyse Liffreing (27:39):Also, it helps that you have the breadth of data that a company like Warner Brothers Discovery does have across its multiple properties.Damian Fowler (27:51):And that's it for this edition of The Current Podcast.Ilyse Liffreing (27:54):This series is produced by Molten Hart. The Current Podcast theme is by Love and caliber. The Current team includes Kat Vesce and Sydney Cairns.Damian Fowler (28:03):And remember,Rob Bradley (28:03):If you look at other areas like Luxury UMES or Rolex Legacy has a value Auto Rolls-Royce technology. I would say even like IBM or Apple, even their legacy is important because that brand stands for something as it does for CNN.Damian Fowler (28:21):I'm DamianIlyse Liffreing (28:21):And I'm Ilyse, and we'll see you next time.

When Karen Lynch became CEO of CVS Health, it was more than a milestone, it was a signal. Millions were watching. She led through the pandemic. She raised wages. She centered the patient. She broke glass ceilings again and again. “I remember the day Karen became CEO,” says host Laurie McGraw. “I think the world stood still for a minute. I smiled. I took notice. And so did everyone else.” The accolades poured in: Forbes Most Powerful Women, Fortune's Most Admired. But the impact went far beyond headlines. This conversation isn't just about what Karen accomplished at the top—it's about the experiences that shaped her long before she got there, and the values driving how she leads today. Like many leaders, Karen's path was forged in her beginnings. For her, those beginnings were marked by unimaginable loss: losing her mother to suicide at age 12, and just a decade later, losing the aunt who raised her. That grief left an indelible mark—a sense of urgency to fix a healthcare system she had experienced not as a leader, but as someone failed by it. That lived experience has been her North Star. From her early days in finance to leading one of the largest healthcare organizations in the world, Karen has consistently asked: What does the patient need? And how can we make it simpler?  As a leader, she learned that courage isn't a talking point, it's a practice. And sometimes, it means making a hard decision that costs you. When her tenure at CVS ended, it wasn't scandal. It wasn't a failure. It was a choice, grounded in accountability. Because real leadership isn't just about celebrating the wins—it's about owning the moments that hurt. Now in a chapter of reinvention, Karen is clear: she's not stepping back, she's stepping into purpose. From helping future CEOs find their voice, to launching a women's leadership institute, to urging healthcare leaders to rebuild public trust before it's too late, she is focused on impact over position. The title may be different. The mission is not. In this episode of Inspiring Women with Laurie McGraw, Karen also speaks about: What would healthcare look like if we designed it around the patient? Can simplicity heal what complexity has broken? How do we rebuild public trust in healthcare—and what happens if we don't? How can we better prepare the next generation of women leaders? Is technology the single most powerful lever for healthcare transformation? What does it take to navigate reinvention with optimism, purpose, and grace? Thank you Karen Lynch. You are an Inspiring Woman. Chapters 03:11 - From Tragedy to Healthcare Leadership 05:42 - Patient-Centered Philosophy 08:46 - Pandemic Response and Transformational Change 10:02 - Mentorship and Women's Leadership 14:57 - Accountability and Resilience in Leadership 22:53 - Technology Revolution and Giving Back Guest & Host Links Connect with Laurie McGraw on LinkedIn About Karen Lynch Connect with Inspiring Women Browse Episodes | LinkedIn | Instagram | Apple | Spotify This episode of Inspiring Women was recorded at the WBL Summit, a leadership, networking, and professional development conference for WBL members that takes place each spring. WBL is a network of 1500+ senior executive women in healthcare who convene to share ideas, make valuable connections, and solve business challenges. WBL's mission is to connect and support our members in advancing their careers and impact on our industry.

Episode OverviewDrew sits down with LA-based composer and educator Zach Heyde to unpack how he's blended film scoring, a 100,000-subscriber YouTube channel and a thriving mentorship program into a balanced creative life. They dig into sustaining passion, ditching hustle culture, and why sharing knowledge can be a business model in itself.Key Topics & Timestamps00:01 – Zach's early start: piano at 7 and first composing gigs → landing “Kung Fu Panda: The Dragon Knight” (dream job) NSP - Zach Heyde08:00 – Reality of writing 10 min of orchestral music per week & protecting creative energy NSP - Zach Heyde16:00 – Moving from Tennessee to LA for community, not clout—how genuine relationships create work opportunities NSP - Zach Heyde20:50 – 18 years on YouTube: what 100 K subs taught Zach about intention vs. vanity metrics NSP - Zach Heyde33:00 – Inside Zach's Composer Bootcamp & Pro Group: teaching the business of music, not just theory NSP - Zach Heyde42:30 – Lowering the “publish” barrier: tactics for beating over-thinking and sharing in real time NSP - Zach Heyde50:00 – Upcoming projects: recording live strings in Budapest and turning the process into content NSP - Zach HeydeTakeawaysYour creative “North Star” evolves. Let the fog clear naturally.Time-boxed scoring (3 hrs/minute) demands new workflows; balance craft with sustainability.Authentic networking = making friends first; work follows.Audience trust grows faster when your content serves genuine curiosity, not algorithms.Teaching can satisfy creative, financial, and community needs simultaneously.Ship fast: capture the impulse before perfectionism kills momentum.Resources & LinksZach's YouTube channel – https://youtube.com/zachheydeZach's IG: @zachheydeZach's Composer Pro Group & Bootcamp – details on https://zachheyde.comThe Call of Raven's Hollow (Album): https://zachheyde.bandcamp.com/album/the-call-of-ravens-hollowConnect with DrewCreative Balance Newsletter: https://thedrewenglish.substack.com/Drew's IG: @drewenglishhDrew's Website: www.drewenglish.com

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group 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 pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. 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  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

In this episode, Mike Linch discusses the insights from his conversation with Jordan Rayner, focusing on the intersection of faith and work. They explore the concept of 'The Sacredness of Secular Work,' the challenges of feeling inadequate in one's faith, and the importance of finding purpose in one's job beyond just career success. The conversation emphasizes the need for leaders to recognize their role in ministry, regardless of their professional title, and encourages listeners to embrace their unique callings.

What if the key to getting hard tasks done when you're overwhelmed (or just bored!) isn't willpower—but more pleasure? This week, Gervase shares how to work with your nervous system by infusing your daily life with pleasure and intentionality when you want to give up. This isn't about numbing out or pushing through. It's about tending to yourself so you can stay in the game instead of burning out or bailing when things get tough. Hit play now to discover: The kitchen sink saga that sparked this episode, and why it's Gervase's North Star when it comes to her business, parenting and I getting sh*tty tasks done (aka: never-ending admin!) The ONE question to ask yourself when you want to bail on a hard task so you can stay in the game without burning out Why adding just 1% more pleasure can ease overwhelm, help you get the thing done, and soothe your nervous system How intention anchors you when motivation is low and pressure is high How to stay in the “uncomfortable middle” when you want to quit your job (and burn it all down!) If you're tired of grinding your way through resistance (or giving up and regretting it later) and you'd like to adopt a more joyful, soul-honoring way of being during these moments, this short and simple episode is for you. Follow Gervase

In part 2 of our Summer School series, Mike explains how Jesus removed three common misconceptions about God when Jesus attended a Wedding.

Key Topics Covered   Life Lessons from Officiating a Wedding Karl opens up about his experience presiding over his niece's wedding. He shares heartfelt advice on partnership, the value of keeping your inner child alive, embracing life's ups and downs, and why “together forever” is a powerful North Star for couples and business partners alike. The importance of mindset—advancing, not retreating, in marriage and business—is highlighted, along with practical methods for maintaining positivity (like using standup comedy as a daily mood boost).   Licensing vs. Franchising—Profit Powerhouses Explained Karl breaks down the pivotal difference between licensing and franchising, offering memorable real-world examples:   Licensing: Earning royalties from intellectual property (like Disney does by licensing characters for merchandise) with little risk or hard cost.   Franchising: Replicating a full business model with training and brand support (think McDonald's, Subway). He spotlights the Blue Man Group's scalable licensing as a model for exponential growth and contrasts it with Siegfried & Roy's limited, high-earning but labor-dependent Vegas act. Karl also details what makes a business franchisable—and why some aren't.   Warren Buffett's Rules and Strategies for Success Karl distills Warren Buffett's timeless investment wisdom for coaches and entrepreneurs:   Understand and stick to the rules (profit, repeat business).   Seek high-margin, habit-forming opportunities (buy for a penny, sell for a dollar).   “Rule #1: Don't lose money. Rule #2: See rule #1.”   Build a personal brand and keep clients just like getting clients.   Practice extreme clarity: know what to say “yes” and “no” to.   Harness the power of compounding, but don't wait ten years—use marginal utility theory for rapid incremental growth.   Clarity, Focus, and Avoiding Distractions Karl ties elite execution to laser clarity—most entrepreneurs fail because of distraction or lack of clear direction. Eliminating distractions (social media, busy work) is as vital as mastering strategy. He advocates for serving first, delivering value before a sale, and focusing on the biggest problems you can solve.   Coaching Operating Systems and Retention Practical advice centers on using a proven coaching operating system (like Karl's Jumpstart 12 or Profit Acceleration Software) to guarantee client wins, profit acceleration, and long-term engagement.   Ready to elevate your coaching business? Don't wait! Listen to this episode now and make strides towards your goals. Visit Focused.com for more information on our Profit Acceleration Software™ and join our community of thriving coaches.   Get a demo at https://go.focused.com/profit-acceleration  

Kiera reflects on some of her most memorable episodes and experiences across 1,000 episodes (!!!) of the Dental A-Team podcast! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and today feels like a ridiculously special, amazing, incredible day. We are at 1,000 Dental A Team podcasts. Like, can you honestly believe this? I can't believe it. I can't believe that we have hit record on this podcast a thousand times. And honestly, I wanna say thank you to you as listeners, to all of you who have made this podcast a reality. If you're new to the show, welcome. I'm Kiera Dent. I love dentistry. I love making people happy. I love.   truly enjoying life. And this podcast came to me while Jason, my husband and I were hiking Yosemite. And I said, Hey, I've noticed that there's this area where they're unserved, where doctors and teams are not communicating on the same way. And like, there's really got to be a better way to help practices scale, to grow, to evolve. And being a team member myself and a business owner, I thought let's combine both of those perspectives. So truly it's an honor. ⁓   I honestly cannot believe that we are here. So if you've been here since episode one, please send me an email. Hello@TheDentalATeam.com. I will send you a personalized thank you to you. I am just so honored. If you've been here for at least like 900 of them, let me know. But truly it's such an honor to be able to have this podcast where we're able to give back, to serve, to share, to laugh, to grow. This podcast has been such a healing space for me. And so today I thought it'd be really fun.   for us to actually go through some of our most powerful success networks that's helped hundreds of doctors. It helps you. And I've called it the yes model. ⁓ that's focusing, wow, that's focusing in on you being able to say you, earnings and systems and team development. So focusing on you as a person, helping make sure that you're profitable as a practice, and then having systems and team development in place ⁓ to make sure that you can really, truly say yes to everything in life that you want. Because I truly, truly, truly believe.   that running a practice, having a successful team, having a team of people that are accountable does not have to be hard. And so really that's been the whole purpose of this is to make it tactical, practical. And I thought like, Hey, this is going to be something really fun. We're actually going to pull from our framework. But what I'm going to do is I'm actually going to pull from past episodes, some of our hottest episodes, some of those fun episodes to kind of help you see how we can focus on you as a person, how we can focus on your earnings and profitability of the practice and helping with your systems and team development.   Now, something that is fun is that there actually were several episodes that were our top downloaded episodes over the years. And so this is just something fun if you enjoyed it, amazing, but truly we looked back and these ones stood out. And so our episodes were episode 469, 10 Practices in 2 Years with Lewis Chen. So such a fun one to inspire, to ignite, to help all of us like really just get, I remember that practice and I was like, my gosh, I thought I like.   rampaged up and in like two years we had three, but to do 10 practices in two years. Our other top downloaded episode is episode 501, What Office Managers Need to Know and really helping those office managers highlight, elevate. Being an office manager in dentistry, I feel is such a tricky zone because there's really no rule book for it. And that's what we tried to create at Dental A Team is what is an office manager supposed to do and giving support to office managers and doctors so you can truly have these incredible leaders in your practice.   And then our next most downloaded episode was episode 607, A Day to Remember. And that was actually released on Thanksgiving. So shout out to you guys for having these as the most popular downloaded episodes. But like I said, I want to give you guys that framework for being able to say yes to everything with some podcast tools. Don't worry. You want to go back and listen to them if you don't want to. But trying to chunk that so you can really look at your life and your practice.   Kiera Dent (03:41) So breaking into the you section, this is about you as a person. This is about you being that visionary, that owner, that fulfilled human, because honestly, if you're not fulfilled and you're not happy with what you're doing, honestly, your practice can't be there. And when we build the yes model, we purposely put it in a specific order of you first, and we focus on you as a person. Then we focus on earnings and profitability. And then we focus on systems and team, because what I found is if we put them in this order,   You as a person first, kind like take the oxygen mask off of you, put it on you. Like you've to take care of yourself first before you can help other people. If we put that oxygen mask on yourself, then what we do from there is we can give and serve to other people. Then we focus on profit. Cause honestly, so much of stress comes from cashflow. Like honestly, the bulk of offices who sign up with us and not all, but a lot of them are struggling with cashflow. They're struggling with profitability. They're struggling to learn to read their numbers. And then we do systems and team development.   And a lot of times we think like, let's put the systems in place, cause that's gonna fix everything else. But what that does is it doesn't make sure that you are fulfilled and we know where you're headed as a person. So focusing on you as a doctor, scaling honestly starts with you, but that doesn't mean we're doing more. It means that you are the leader that your practice needs. You know where you're headed. You know what the direction of the practice is. And that's where this can all come together. So some of the episodes that we pulled out for you guys from all these thousands of episodes, like literally we have a thousand. ⁓   would be number 17. Like let's go way back in the archives. If you have not gone, you guys can always head on over to TheDentalATeam.com, click on podcasts. You can search any topic and you can go find all thousand episodes. But going back clear to episode 17, I love this one, is Goals are lost without Accountability. So when we're having those, like if you don't have accountability in your practice, if you don't have things to help keep your team accountable,   Honestly, doctors, you can have all the goals that you want, but you've got to have the accountability with it. And so I really love to help doctors and teams come together within Dental A Team and our consulting ⁓ to make sure that your goals are hit because we have accountability and that means your personal goals. So where you want to be and your professional goals. And we have a client that really like was struggling with some of their goals, but they knew where they wanted to go. They wanted to get a beach house. They wanted to be able to take care of their children in college.   ⁓ And what was really lovely about that is because we knew where they were going to go, we were able to help hold them accountable to it. And then we were able to the E portion that we'll get to, we were able to help create the profitability within the practice using production and metrics to be able to help them get there. But really looking at goals are lost if you don't have accountability. Like truly, if no one's holding people accountable, you doctor have to do it all. But even a lot of times things just get lost. And so making sure   that we really are working through these different pieces to make sure that your goals are not just a wish and a hope, but they're actually being measured and we're tracking them. We're making sure you're living the dream life that you want to be living. that would be an episode. Another episode in here would be 551 Leaders, You Need to Decide and helping you as a leader know that your team can't read your mind. You've got to make decisions. More is lost through indecision than a wrong decision. I have a quote over here by Theodore Roosevelt that   any moment of decision, the best thing you can do is the right thing. The next best thing is the wrong thing. And the worst thing you can do is nothing. And so making sure that on there, you guys are making a decision. Doctors like you have to decide. You have to be clear. You have to know where you're going. And I think deciding the life you want to live. ⁓ I have a quote that we say often, your practice should serve you, not you serving your practice.   making sure it's really giving you that dream life. Otherwise, go be an associate, like honestly, but there shouldn't be the stress and the heartache. And I know that there's stress with running a business. That's not something that we can ever take away, but really making sure we're fulfilling your bucket, your cup, making sure you're taken care of is a big portion. ⁓ Episode 940 was another popular one, What Leaders Should Not Do.   I thought this is a really good one to help doctors like realizing your role has to change. You have to become this incredible person. We have to know where you're going. We have to know this vision. But honestly, like leaders, you should not be doing everything. You should not be fixing everything. Otherwise you're enabling. And I remember another great ⁓ thought is when we empower our teams without accountability, we actually create ⁓ entitlement. And so what are we doing and are we fixing everything and helping?   Like we think we're helping, but we're not actually having our team rise to the table. so really looking at like, these are the things not to do. These are things that won't help you become the leader and the person that your practice needs and really relies on you to be. So another great episode of what things should you not be doing. think that that sometimes helps again, because as the visionary, as the leader of the practice, as you, as a person, ⁓ making sure that you're not running yourself ragged, trying to make everybody else and pleasing everybody else. But that way you're truly working as a team.   You need to show up as a CEO. You need to show up as the dentist. But you also need to have good working hours and good life ⁓ balance and life happiness and making sure that you're fulfilled and that your cup is being full. Otherwise, you're going to burn out and really making sure we take care of you as a person. Last episode to highlight in the you section is 948, The CEO Visionary and The OM Implementer and pulling from EOS and traction where   We literally have like CEOs, you're the visionary and how to have your office manager really be a yin to your yang to help support, to help make the visions come to life, to help bring all these pieces to the table ⁓ really, really truly can help. How do these two roles operate and who should be doing what and getting and gaining that clarity because again, when we focus on you and we know where you want to go and we know the pieces.   Then you're able to settle into your role as CEO of the practice too. And you're able to settle into all these different pieces, but really looking at you as a person, like not doing more, you as a leader, you as the CEO, you as a spouse or a partner or a parent or a sibling or a child, whatever it is, but you showing up as the best version of you. so yes, these are.   four episodes a lot on leadership for you. But really in that section within the Yes Model, I want you to really look at your life and I want you to see, are you truly living your best life? Are you truly fulfilled? Are you delegating to your team? Are you leading your team? Are you ⁓ working hard? ⁓ Or are you doing things smarter and actually working?   happier and more enjoyable. When I ask you about your personal relationships and I ask you about your personal life, do you have an identity outside of work or is it just work? ⁓ Do you find joy in the little things or have you lost that joy and sparkle because you're so consumed with the business? Those would be some things and if we're not taking care of you, it might be time to give a little TLC. I remember there was a great ⁓ podcast guest.   And he said a comment, he said, we should take care of our billion dollar asset, AKA our body. And I've thought about that a lot of do we take care of us, our body, our mind, our psyche, our happiness, to make sure that we can show up as those leaders that our practice and our patients and our community needs. ⁓ And so this section, I really hope that you highlight, yes, being that leader who needs to evolve and rise, ⁓ but really making sure that you're the human that you wanna be.   we've got the North Star dotting to where you ultimately want to go and really just spending and highlighting that. Okay, so the question to that is what do you need to stop doing in your life right now? Practice or professional or personal or both. So that way your team can start owning more and also so you can start having more fun in life. What do you need to stop doing? Like literally I'm sitting there with you pretend I got my pen and paper and you're like, okay, Kiera.   This is what I need to do to feel more fulfilled, more happy, more like me. What do you need to stop doing? Notice I didn't say start because you want to go like, no, I need to start journaling. No, what do you need to stop? Cause I'm trying to help you see that a lot of times less is more and you actually can create more by doing less. All right, next up is earnings. Making sure that you have profit with purpose. Collections don't equal profits. And so...   What I've noticed is like in larger practices, oftentimes they do protect their margins and they measure what matters. And so really making sure that when we're looking at the numbers, so we're looking at our earnings, this is moving into the second portion of the yes model. ⁓ Are you paying attention? Are you using your numbers to guide every single decision in your practice? And what I've seen is when practices come to us in chaos and move into clarity and more into control and more into ease, they know their numbers forward and backward.   Like they truly know, they use their numbers to make decisions on who to hire. They know their top line numbers. And what I love about this, like with our clients, we work hard on getting them an overhead scorecard. ⁓ So they know what their overhead is. We look at their monthly costs slash their BAM, their bare ACE minimum. We're looking at projections in the practice of what do we need? How do we hire? We're looking at other pieces for that I really just love are looking at their overhead as well to make sure. we've got our overhead, we've got our monthly costs.   We've got our profit margins to make sure we're looking at debt services to make sure that with the debt services, we're still profitable and we have cashflow in the practice and that these practices are thriving. And then we use KPI scorecards to make sure that the metrics within the practice are leading to the profit for a profitable business to make sure that doctors have a cashflow. And also in there, we include to pay doctors, like doctors you've got to be paid, otherwise it's really hard. And so again, just because we're producing, producing and collecting drive me wild.   I don't care what you're producing on a gross level, I care what you're producing on a net level that we can actually collect. Gross is gonna feed the ego, net's gonna feed the family. So make sure we have those numbers dialed in. So when we're looking at this, I want you to make sure that what I'm producing is actually collectible and also that we're producing enough and collecting, but that we also have our expenses in line. So we try within our clients to have them at a 50 % overhead, 30 % doctor pay, 20 % profit.   Now, obviously those things can be impacted by other things, rising costs, different pieces, but really a quick benchmark for you. And a couple different ⁓ awesome podcasts to kind of tie into this to just go back through the archives would be episode 618, How to Make Your Practice Profitable. So a lot of times we think it's production. We think that we've got to like produce more and create more, but really sometimes you don't have to produce. can't produce our problems. So looking at our P &L, looking at our costs, getting our whole team on board, having KPIs, having accountability within our team.   really can drive more profit. ⁓ I remember in Traction, was like at the very end, I'm probably gonna slaughter this section of the book, but I remember them saying that a lot of times the profit margins don't get bigger, the bigger your business goes. So like the problem, like your problems just get bigger with the more you produce. So an example, like they said, like a $1 million business with a profit margin oftentimes has the same profit margin as a $10 million business, but the headaches are more. Now, of course, ⁓   10 % profit margin on a $1 business compared to a 10 % profit margin on a $10 million business, there's obviously going to be more dollars. But it's the question of could I have more profit in a smaller practice? I don't know, that's questions for you to answer versus maybe always growing and chasing the next thing. So really looking to see how can we make it more profitable? How can we squeeze more juice out of it? And this is actually really fun because when we interview consultants to come into our company, we actually look to see can they find...   how to make a practice more profitable with a basic scenario. Because at the end of the day, if we can make you more profitable doctors and you can use your business more efficiently and with less stress and like better utilization of team members, you actually are way less stressed because you have cashflow and monies aren't as big of a deal. And what I found is the bulk of stress comes from cashflow issues. So really doing that, another great episode from this would be episode 871, Increase Profitability with Your AR.   So looking at cashflow leaks that kill growth. So AR is a huge zone and a lot of practices are like, we don't have any money. And I'm like, you have 160,000 sitting in AR, you've already done the work, we just need to collect the money. So making sure that we are actually helping you and your team get that money that should be paid to you. I had an office on a coaching call and they're like, well, Kara, our front office feels bad for calling patients to collect bills. And I was like, they feel bad.   No, they're doing these patients a service. Like we did a great job. Now these patients should be so happy to pay for us. And the reality is we should never be chasing money. We should just be collecting at a time of service. So really helping that profitability with AR because collections you can produce all day long, but if we're not collecting your profit margin is going to really, really struggle. So a lot of times it's not even a production issue. It's just a collection issue. That's a very simple system, which will come next in the S model. But when we see the numbers and we see where the leaks are,   then we know which systems we need to put into place. So this is how like you as a person know where you're going. Then we look at your profit, the numbers will tell us where we actually have true broken problems within our practice. And then we build the systems to fix those problems. And then it just chips up the line and you're able to say yes to more in your life. Another great episode was 884 Use Hygiene to Increase Profitability. So making sure that your hygiene department is about 20 to 35%.   Wow, excuse me, 25 to 30 % of your revenue ⁓ in your practice, depending upon what it is, that's usually for a GP practice. Hygiene's obviously, ⁓ in a pediatric practice, it will be different. Same thing within surgery practices and also some big GP practices that are doing a lot of surgery, hygiene might not be able to keep up with it. Or if I've got a doctor that's maybe slowing down, hygiene's actually out producing the doctor. Well, that's a concern that shows me that that doctor's not diagnosing and there's something going on.   But really utilizing your hygiene department, making sure our hygiene department's very thorough. This again, if it's not, and we don't have enough ⁓ perio within our practice, if our hygiene department's not ⁓ calibrated, we're not aligned, that then is a system that we'd wanna put into place to make sure we're able to help that. So really just another great episode. then 890 was, episode 890 was Hacks for Increasing Profitability. So ⁓ just some different pieces of like, what do we do? How can we increase that profitability?   certain things that we look for are one, like what are we producing and collecting? So let's look there first. Two, we wanna look at our BAM, our barriers, minimum and our costs and making sure that it's realistic for there. ⁓ And then also looking to see, could we renegotiate some of our pieces? Could we look at our lease? Could we look at our rent? Could we look at ⁓ our marketing spend? Could we look at our payroll? And again, I'm not here to cut team members. Don't worry team members.   I just want to make sure that each team member is being maximized and utilized based on the profitability because we know that most businesses should be able to run on a 30 % allocation to payroll. And so looking to see, we utilizing and maximizing our resources like we should? So really just looking for some of those hacks for profitability. But I love that so many people are obsessed with production and I'm obsessed with profit because profits, what's going to feed you profits, what's going to help you profit is going to be the piece.   that's going to actually make you thrive rather than just survive. Production, if we're not collecting and we're not profitable, it does not matter. And I go to a lot of business conferences and I love, they're like, yeah, my business did 10 million last year. My business is 100 million. And I'm always like, I don't care. What's your profit margin? And a lot of them come back. I remember there was this guy and we were chatting and he has a $30 million business and yet his profit margin was 5%. And he's like, Carrie, you're honestly probably taking home more than I am.   on a smaller business. And so again, I don't care about your production and top line number. It does play a role, but what I care more about is are you profitable and are you obsessed with being as profitable as possible? Are you reviewing your PNL every single quarter? Are you looking at small cashflow leaks? Are we making sure that we're collecting the money of what we produce? Are we making sure that our write-offs and our insurance is correct? Are we making sure our hygiene department is... ⁓   appropriate and are we using like KPIs to track this and to measure this to make sure that we're actually doing it. So that's kind of within the earning section for little highlighted episodes for you. And so then some thoughts to wrap that up would be if you're producing more but taking home less, what number are you not watching in your practice? So really look at that and see, gosh, like I'm producing this, but I'm not taking home as much. What number or numbers are you not watching that maybe you should start watching Food for Thought and   put it into play, you'll be much happier when you're profitable. And then last but not least, this is one that everybody obsessed with, systems. We want systems care. Please, please give me systems. I just want my practice to run on autopilot. And like the answer is like, yes, we should put systems in. And I think about like McDonald's and Chick-fil-A and they're able to give a very incredible experience with systems. And Walt Disney said like, he's able to create predictable magic with the systems behind the scenes. And so for you and your practice, how can you create predictable experiences?   predictable revenue, predictable production through the systems. So a couple of great episodes that we had with systems, systemization I think is like sexy and not sexy, like cool, that's great. But like really, if you focus on you first, then you focus on the numbers, you then know which systems to put into place. So you don't have to actually do all the systems. People are like, here, I just need a whole systems like repertoire. And I'm like, no, you don't. You need the systems that are actually gonna get you the results. I believe that we should focus on results, not on busy work.   So a couple episodes that kind of just highlight some systems for you are episode 381 Systemization: Where to Start? It's a really good episode for you of like how to like you don't just build 100 SOPs just like we were talking about. You literally start with the systems that are going to impact your revenue and profitability first. And those are the ones we're going to build right away. So a good one to help you prioritize that because a lot of times it can feel very daunting. Like I'm trying to eat an elephant. So where do I start? ⁓ Episode 872 Are Your Systems Outdated? And so with that one, just because it worked in the past,   You gotta also update the systems. Do we have a new software? Do we have a new process? A lot of times these systems get like written and we're so excited we made our ops manual, but they get put on a shelf and cool, we never even touched them again. So making sure that you keep your systems up to date, that they're current, that everybody's using them and if you actually are using them, they don't get outdated. So having a set cadence and process for that. Episode 881, Priority Scheduling: Ideal Week and Ideal Schedules   So figuring out like, does our ideal week look like? What are our ideal schedules look like? And so with that, we can figure out how to schedule and do block scheduling to actually build, like that's a great system to put into place to help us get our profitability, to help us get our production, to then help us get the life that we want. So do you see how like the yes model at like, we start at the top with you, go to earnings, go to systems, and then we work on systems to impact the profit and production to impact you and your life. So really I'm obsessed with block scheduling. I obsessed with?   I deal weeks, I'm obsessed with being a master of time rather than time mastering you and really helping offices realize what needs to happen and prioritize. think prioritization is a really tricky thing for a lot of people and having a consultant or an outside view help you out, I think is something really magical. And then last but not least, episode 959, Build a Practice That Can Run Without You. This is what people ask for all the time. And so I love on this. You'll never have true freedom.   if the business only runs when you're there. And so looking at that of, like I said, Disney, Walt's not there and it's still able to run. Chick-fil-A, I don't even know who the owner is, you guys know, but like it's able to run without the owner being there. And so the owner I feel creates the vision and the magic. That's like what your secret sauce is. But the systems are so people can run and operate without you there. And for office managers, same thing with you. I hate the like, if you got hit by a bus, I'm like, I don't ever want to be hit by a bus.   So instead I'm like, if you were at home with a broken leg and then had two office managers literally be out with broken legs. So, ⁓ but I think it's a great example. So watch out, don't break your legs. But I said, if you were out, could the practice run and could you know that the practice isn't running, AKA with your KPI scorecard and being able to look at your numbers, would you know what system needs to be implemented and if systems were being followed or not when you're at home? And so oftentimes that helps you figure out, again, we look at our numbers to see which systems do we need to put into place.   But then beyond that, we're also going to look and say, all right, so these are the numbers that are telling us we have a broken system. But then when you're not there, does the practice still run without you? And does it still operate? And if you were to come in as a fly on a wall on a vacation, so pretend you're out on vacation, I surely have done this to my team. I'm out on vacation. I pop in a day earlier than they think I'm supposed to be back. Is the practice running the way that it should? That's how you know you have great systems and great leadership.   I don't believe that just good systems will create a great practice. You also need great leadership to ensure that they're staying accountable, that they're following systems, but also making sure that less is more. ⁓ The KISS model, keep it simple, silly. I prefer silly over stupid. But really look to see where are maybe the systems that we need to do. And I love in Dental A Team, we do our 12 systems. And that's something I really love to just kind of give an outline of which ones per month.   would help out. So just a quick overview of Dental A Team's systems for success. We say that January is office management, mastery and leadership. And if you guys want to go back in the archives, Tip and I actually did like, I think it was from November through December a few years ago, we went through every single one of these systems. We broke it down. We gave tactical tips for you on those. So January is office management, mastery and leadership. February is doctor optimization, making sure we're utilizing and maximizing everything within the office. March is billing with ease.   April is five-star patient experience, May is smooth scaling scheduling, June is maximized case acceptance, July is dynamite dental assistance, August is elevated hygiene, September is competent marketing, October is complete operations manual, November is practice profitability, and December is A-Team hiring and onboarding. And so utilizing these systems for you to look to see, and again, there's, that's kind of like a category overview, but looking to see where maybe some systems broken within that category.   that ultimately could impact our profit and production that ultimately impact us as individuals. And doctors, I know I highlighted you a lot about you as a person, but also your team members as human beings too. How can we make it easier? How can we make it more fun? How can we make it to where we have more fun at work, more enjoyable rather than more stress? I think is something super, super important. And so when you look at this, I think to wrap up our system section, what systems or system category in your practice   still depends on you and is it keeping you stuck in your practice or preventing the growth? Are you the bottleneck in an area? And to maybe just ask yourself, what is that and what's holding me back? So really, truly just some fun, like, my gosh, you guys, after a thousand episodes, ⁓ I think I can confidently come on here and say that the formula for growth hasn't changed. I think we've gotten smarter. We figured out what's the priority. How do we prioritize it for you?   the $5 million practices, the $2 million, the $1 million, the 500,000, the startup practice, they say yes to leadership clarity, profit strategy, and systems that scale. So that's you, right? Leadership clarity, you as a person being happy, earnings, profit strategy, and as systems for success that scale. Now again, systems that scale, so you're able to grow and you have options. This is truly what I think is so valuable, and I thought.   on a thousandth episode, we've got to have something very powerful, very impactful, giving you just kind of a recap of all the time together. Talk about how magical it is to be able to be here together, to be able to share. And what I will say is, ⁓ I'm obsessed with helping offices be able to say yes to more of their life, to be able to say yes to more of what they want, and to be able to get back their time, their team, their life. And that's something that I'm just obsessed with. So if you're looking for help with that, if you...   I want more yes in your life and less stress and more happiness. Truly I do believe and I've seen it work with hundreds of offices and something just so powerful to be able to share, to give to you. And I just wanna say thank you. Thank you for making the Dental A Team podcast real. Thank you for being listeners. Thank you for sharing this podcast with so many of your friends. Thank you for commenting. Thank you for tagging us while you're driving to work. Thank you for being dedicated listeners. Thank you for being clients that work with us.   Thank you for truly wanting to change and impact the world of dentistry in the greatest way possible. It is truly an honor. I just feel so honored and I'm so freaking excited for the next thousand. So let's do it, let's rock. And at the end of the day, all of you, I want you truly remembering that dentistry is the greatest profession we could ever be a part of. I want you saying yes to more. If we can help you in any way, reach out Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

If you know you want to pursue something different, but can't define it yet, then today's conversation is for you! You'll hear how Scott Clary had the courage to set out and do exactly that despite the expectations and what was modeled around him. We're talking to Scott Clary. Scott is a dynamic entrepreneur, investor, and author. He hosts the Success Story podcast, where he has candid conversations with some of the most prolific business & thought leaders in the world. The podcast ranks as a Top 10 business podcast, Top 3 Education / Self Development Podcast, has over 30M downloads and is part of the Hubspot Podcast Network & Cheddar. Throughout his career, Scott has led sales and marketing teams across multiple organizations, playing key roles in company growth and acquisition. His weekly business newsletter reaches over 321,000 subscribers, sharing valuable insights from his experiences throughout his career. Our conversation covers many topics including: How being clear on his personal goals and North Star has helped Scott build his own version of Success Story How to create aligned work Society's ideas of what's acceptable vs having the courage to choose your own path You can be successful in either model- entrepreneurship or a career Future proofing yourself Playing the game long enough The role of curiosity How reasonable goals are failing you Being aggressive in your career Setting your own benchmarks and success metrics Dualities and how 2 ideas can be true at the same time Connect with Scott: www.instagram.com/scottdclary www.youtube.com/scottdclary www.successstorypodcast.com If you enjoyed this episode, share it with someone you know and leave a review! Xo, Baiba

In commemoration of the 50th Anniversary of the Fall of Saigon, join Town Hall Seattle to hear Vietnamese author Susan Lieu discuss her memoir, The Manicurist's Daughter. Susan will be in conversation with Executive Director of Friends of Little Saigon (FLS), Quynh Pham. Together, Susan and Quynh will discuss the impact of war with regards to trauma, memory, loss, and healing — as individuals and as a collective. You may have already seen the work of Seattle author and performer Susan Lieu at Bumbershoot, Wing Luke Museum, or the Seattle Library. Her sold-out solo theatre performance in Seattle, 140 LBS: How Beauty Killed My Mother, describes the true story of her mother's death due to medical malpractice. No matter where you've seen her name, you already know she's passionate about asking questions and seeking a better future. In her new memoir, The Manicurist's Daughter, Lieu asks questions about grief and body image through her family's story. Refugees from the Vietnam War, Lieu's family escaped to California in the 1980s. Upon arrival, her mother was their savvy, charismatic North Star, setting up two successful nail salons — until Lieu was eleven. That year, her mother died from a botched tummy tuck. For the next twenty years, Lieu navigated a series of questions surrounding her mother's death alone—until now. Sifting through depositions, tracking down the surgeon's family, and enlisting the help of spirit channelers, Lieu uncovers the painful truth about her mother, herself, and the impossible ideal of beauty. But the answers she finds are also rooted in fierce determination, strength in shared culture, and finding one's place in the world. Susan Lieu is a Vietnamese-American author, playwright, and performer known for her autobiographical solo show, 140 LBS: How Beauty Killed My Mother, which toured nationally to sold-out audiences. Her sequel, OVER 140 LBS, premiered at ACT Theatre's SoloFest. She has performed at major events such as Bumbershoot and The Moth Mainstage, and her work has been featured by NPR and the L.A. Times. Susan co-founded Socola Chocolatier and is an activist who helped pass a law raising medical malpractice caps. Her debut memoir, The Manicurist's Daughter (Celadon), is an Apple Book of the Month, a 2024 Best Book of The Smithsonian, NPR, and Elle Magazine, and has received accolades from The New York Times and The Washington Post. She was recently named one of Seattle Magazine's Most Influential People of 2024. Quynh Pham is the Executive Director of Friends of Little Saigon (FLS), a community development organization dedicated to preserving and enhancing Little Saigon's cultural, economic, and historical vitality. Coming from a small business family, Quynh is passionate about supporting small immigrant- and refugee-owned businesses and fostering community-driven solutions for health, safety, and well-being.

Jackie Miller is the Executive Director of Great Outdoors Colorado (GOCO), and Carlos Fernández is the Colorado State Director for The Nature Conservancy. Both are highly respected leaders in Colorado's conservation community, and they've played pivotal roles in shaping the state's approach to protecting land, water, wildlife, and outdoor access. While Carlos has joined me on the podcast several times before, this is Jackie's first appearance, and I was honored to have them both on to discuss one of the most significant conservation developments in recent memory. Just a few weeks ago, the State of Colorado announced the launch of its Outdoors Strategy—a comprehensive, collaborative roadmap designed to align the state's conservation, outdoor recreation, and climate resilience efforts for decades to come. Developed through years of planning, dialogue, and consensus-building across hundreds of organizations and communities, the Strategy addresses some of the most pressing challenges facing Colorado's landscapes and communities. It's not just a plan—it's a shared vision backed by actionable goals, clear metrics, and powerful tools for implementation at the local and statewide levels. In this wide-ranging conversation, we discuss the origin of Colorado's Outdoors Strategy, the urgency behind its creation, and the unique collaborative process that brought it to life. Jackie shares how GOCO's long-standing community partnerships and flexible funding model positioned the organization to lead at a statewide scale, while Carlos explains how the Strategy dovetails with The Nature Conservancy's science-based goals and priorities. We also explore the Strategy's three “North Star” goals, the innovative Resource Hub that supports on-the-ground action, and the importance of regional implementation and tribal engagement. It's a timely, inspiring look at how Colorado is setting a national standard for coordinated, community-driven conservation. --- Jackie Miller Great Outdoors Colorado Carlos Fernandez The Nature Conservancy in Colorado Colorado's Outdoor Strategy Episode notes and links: https://mountainandprairie.com/jackie-carlos/ --- This episode is brought to you in partnership with the Colorado chapter of The Nature Conservancy and TNC chapters throughout the Western United States. Guided by science and grounded by decades of collaborative partnerships, The Nature Conservancy has a long-standing legacy of achieving lasting results to create a world where nature and people thrive. During the last week of every month throughout 2025, Mountain & Prairie will be delving into conversations with a wide range of The Nature Conservancy's leaders, partners, collaborators, and stakeholders, highlighting the myriad of conservation challenges, opportunities, and solutions here in the American West and beyond. To learn more about The Nature Conservancy's impactful work in the West and around the world, visit www.nature.org --- TOPICS DISCUSSED: 3:03 – Intros, Carlos then Jackie 5:09 – Explaining Great Outdoors Colorado 8:51 – How Jackie got to GOCO 11:37 – Carlos on GOCO 15:29 – Challenges that led to Colorado's Outdoors Strategy 19:04 – Opportunities that the Strategy will address 21:33 – Jackie's executive summary 27:01 – How the Strategy aligns with TNC's other goals 29:59 – North stars and measuring success 33:22 – The TNC tools Carlos is excited about 36:34 – Creating urgency to execute a plan 40:14 – Face-to-face 42:51 – Carlos's thoughts on execution 45:49 – How the plan affects the layperson 47:25 – What did we miss? First Jackie 51:29 – Then Carlos 53:31 – Book recs 57:42 – Wrap up words of wisdom --- ABOUT MOUNTAIN & PRAIRIE: Mountain & Prairie - All Episodes Mountain & Prairie Shop Mountain & Prairie on Instagram Upcoming Events About Ed Roberson Support Mountain & Prairie Leave a Review on Apple Podcasts

The educational landscape is transforming before our eyes. As Principal Katie Ahmadzai reveals in this illuminating conversation, Christian education has evolved far beyond traditional classrooms into a diverse ecosystem serving each student's unique needs.What drives parents to consider different educational models? Katie explores how the foundation of Christian education—recognizing each child as created in God's image—fundamentally changes how students engage with learning. Unlike an escape from the world, today's Christian education prepares students to impact it purposefully.Beyond academic growth, Katie emphasizes how we must entrust our children to God while supporting their spiritual development. Through literature, science, history, and mathematics, students encounter God's beauty in every subject area.Looking toward education's future, Katie shares her excitement for how technology—including AI—can create more personalized learning experiences while freeing teachers to focus on meaningful human connection. NorthStar's international character, connecting students from over 80 countries, creates a unique environment where students don't just learn about different cultures but learn with peers from around the world.For brick-and-mortar schools and families seeking to supplement traditional education, NorthStar offers remarkable flexibility. From individual courses to innovative programs like their new Entrepreneurship 1 Live class, students can develop crucial self-management skills while engaging with a global community.Whether you're seeking alternative education options, supplemental opportunities, or simply curious about where education is heading, this conversation provides valuable insights into nurturing both the minds and hearts of the next generation.

Thom Francis welcomes local poet and artist Melissa Anderson, who was the featured reader at the Third Thursday Poetry Night at the Social Justice Center in Albany on Thursday, April 17, 2025. ——— Melissa Anderson is a multidisciplinary artist whose work is deeply influenced by a search for connection with the physical world, changing seasons, and our relationships with the places we call home. She co-runs the slam poetry team Slam Euphoria, as well as their bi-monthly poetry open mic at Cafe Euphoria in Troy. That night she read from her book "Dogstar Poems" (Main St. Rag Publishing, 2024), starting off with a poem from her day job making furniture for Chipotle, “Work Song,” and then a pandemic piece, “Bedroom Window Lockdown.” Melissa explained that “Dogstar” was another name for what is commonly known as “Polaris” or the North Star, & that many of the poems in the book are about looking for direction, as in the poem “Reflexivity.”

Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    The same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

In this engaging conversation, Mike Linch and Jordan Raynor explore the concept of 'mere Christians' and the significance of understanding one's role in the royal priesthood. They discuss the importance of connecting faith with work, using the example of Fred Rogers as a model of love and service. The dialogue emphasizes the need for practical examples in faith, the integration of work and ministry, and the responsibility of parents to instill values of service in their children. In this conversation, Jordan Raynor and Mike Linch explore the significance of work from a Christian perspective, emphasizing the importance of cultivating a positive work ethic in children, the legacies of influential figures like Fannie Lou Hamer and Ole Kirk Christiansen, and the transformative journey of C.S. Lewis. They discuss how to find purpose amidst adversity and the necessity of a relationship with Christ in achieving true fulfillment in work.Mike's Biggest Takeaway'sConnectedness is a gift that reflects heaven.Mere Christians are vital to the church's mission.Every occupation is part of the royal priesthood.Stories are more impactful than mere exposition.Fred Rogers exemplified love and service in his work.Combining work and ministry enhances spiritual impact.Life should be focused on service, not leisure.Parents play a crucial role in teaching service.Understanding our work as sacred is essential.Being fully alive attracts others to faith. Cultivating a positive work ethic in children is essential.God's word mentions work more than 800 times.Fannie Lou Hamer exemplified justice without hatred.Ole Kirk Christiansen's resilience led to the creation of Lego.C.S. Lewis's dark past highlights the need for Christ in our lives.Work is a gift from God, meant to be enjoyed.Welcome to the Linch with a Leader Podcast, where you're invited to join the spiritual principles behind big success, with host Mike Linch.Subscribe to the channel so you never miss an episode: Watch: @linchwithaleader Prefer just listening? SUBSCRIBE to the podcast here:Spotify: https://open.spotify.com/show/0dJfeLbikJlKlBqAx6mDYW?si=6ffed84956cb4848Apple: https://podcasts.apple.com/us/podcast/linch-with-a-leader/id1279929826Find show notes and more information at: www.mikelinch.comFollow for EVERYDAY leadership content and interaction:Follow on X: https://x.com/mikelinch?s=20Follow on Instagram: https://www.instagram.com/mikelinch?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==https://www.instagram.com/mikelinch/?...JOIN Mike for a Sunday at NorthStar Church:www.northstarchurch.org Watch: @nsckennesaw

The American-Canadian borderlands hold a special significance in Black history that few of us fully understand. In this illuminating conversation with Dr. Dan J. Broyld, author of "Borderland Blacks," we explore how Rochester, NY and St. Catharines, Ontario became pivotal centers of Black freedom, entrepreneurship, and transnational identity during the final years of slavery.Dr. Broyld offers fascinating geographic insights into why Rochester—rather than closer border cities like Buffalo—became the optimal Underground Railroad hub. Just far enough from the border to avoid the concentration of slave catchers but close enough to facilitate escape, Rochester's position combined with its strong abolitionist culture created the perfect conditions for Black liberation work. Frederick Douglass's strategic 25-year residence there, where he established his newspaper North Star, exemplifies how Black leaders utilized borderland spaces to maximize their freedom and impact.The conversation takes an illuminating turn when Dr. Broyld reframes historical figures through a contemporary lens. Harriet Tubman emerges not just as a freedom fighter but as remarkably modern—"global, green, and gender aware." Her seven years in St. Catharines, her expert navigation of natural landscapes, and her strategic decision to seek freedom under "the Queen's soil" rather than "Uncle Sam's land" reveal a sophisticated understanding of international politics and environmental knowledge that resonates with today's concerns.Perhaps most compelling are the stories of borderland entrepreneurs like John W. Lindsay and Austin Stewart, who built significant wealth and community resources despite beginning with nothing. Their ability to create grocery stores, blacksmithing businesses, and other enterprises challenges simplistic narratives about Black economic development post-slavery. The transnational character of these communities—celebrating August 1st (British Emancipation Day) more enthusiastically than July 4th and using cutting-edge technology like suspension bridges—reveals how borderland Blacks were, in many ways, ahead of their time.Discover how these historical Black communities embodied Afrofuturist principles before the term existed, utilizing the most advanced technology of their era and creating transnational networks that transcended national boundaries. Their story continues to resonate today, reminding us that movement itself can be liberation, and that Black identity has always been global in scope and vision.Support the showhttps://www.patreon.com/c/EA_BookClub

Decisions. Decisions. Decisions. They become a lot easier with a North Star to follow. Podcaster Niall has interviewed an incredible array of talent in the worlds of healing, consciousness and psychology including my favourite author Rupert Spira. Listen in as we riff on intention, course correction and more.Here's the link to the interview with Jill Bolte Taylor:https://thriving-adoptees.simplecast.com/episodes/with-jill-bolte-taylorAnd the interview with Kathy Mackechney:https://thriving-adoptees.simplecast.com/episodes/deeper-healing-with-kathy-mackechney-leden48aNiall McKeever is an entrepreneur and psychology student from Northern Ireland, who is passionate about making great ideas more accessible.He is the Founder of The Weekend University - an alternative education project which aims to make the most important ideas in psychology more accessible.https://podcasts.apple.com/gb/podcast/the-weekend-university/id1233173966https://theweekenduniversity.com/https://www.facebook.com/theweekenduniversityhttps://www.instagram.com/theweekenduniversity/?hl=en Guests and the host are not (unless mentioned) licensed pscyho-therapists and speak from their own opinion only. Seek qualified advice if you need help.

As Mike starts a new series, Summer School, he challenges us to thrive in a worldly culture like Daniel did.

The North Star helps orient travelers at sea or in the wild. They'll likely get lost, however, if they identify the wrong star! Discover where David's thinking went off course as he sought to “help” the Lord. Listen to Truth For Life with Alistair Begg. ----------------------------------------- • Click here and look for "FROM THE SERMON" to stream or read the full message. • This program is part of the series ‘A Study in 1 and 2 Samuel, Volume 6' • Learn more about our current resource, request your copy with a donation of any amount. Helpful Resources - Learn about God's salvation plan - Read our most recent articles - Subscribe to our daily devotional Follow Us YouTube | Instagram | Facebook | Twitter This listener-funded program features the clear, relevant Bible teaching of Alistair Begg. Today's program and nearly 3,000 messages can be streamed and shared for free at tfl.org thanks to the generous giving from monthly donors called Truthpartners. Learn more about this Gospel-sharing team or become one today. Thanks for listening to Truth For Life!

In today's Part 2 episode, Dr. Mark Costes continues his deep dive with Dr. Kyle Hale, exploring the pivotal moments and decisions that shaped his transition from high-producing clinical dentist to visionary entrepreneur. Kyle opens up about the real reasons behind selling his multi-practice group—including his wife Callie's battle with burnout—and how that led to the creation of Airway Dentist, a practice model with a clear clinical North Star. He shares powerful insights on why selling might be the right choice for some, the importance of having a “dentist as backup plan” mindset, and the value of intentionality in both business and personal life.  Dr. Kyle also discusses the explosive growth of Dental Life, his innovative clear aligner support company partnered with Invisalign and Itero, which is transforming how GPs approach aligner cases. This is an inspiring look at how stepping away can lead to purpose-driven success. EPISODE RESOURCES https://theairwaydentists.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Your North Star is your personal guiding principle. It isn't a place you end up, it's a direction you go in. In chameleon husbandry, this means identifying what you care about most. Is it replicating nature? Ensuring efficiency? Prioritizing survival rates for breeding? When you know your North Star, it becomes much easier to filter through the noise of online forums and social media. You stop chasing every new trend or feeling like you have to defend your decisions in every debate. Instead, you build a husbandry strategy that aligns with your values and stick to it.

The North Star helps orient travelers at sea or in the wild. They'll likely get lost, however, if they identify the wrong star! Discover where David's thinking went off course as he sought to help the Lord. Listen to Truth For Life with Alistair Begg. 2 Samuel 7:817 To support this ministry financially, visit: https://www.oneplace.com/donate/163/29

Most Law Firms Think They Need More Leads But THIS Metric Changes Everything…Do you find yourself constantly chasing more leads without seeing real growth in your law firm?You're not alone. The truth is, more leads aren't always the solution… in fact, chasing leads alone could be bleeding your firm dry.In this powerful episode, you'll uncover the essential metric that truly determines your marketing success and how to leverage it for predictable growth.Highlights from this Episode:Why your firm might be losing money if you confuse advertising with marketing.The secret North Star metric to measure your firm's true marketing effectiveness.How to accurately calculate your cost per appointment to maximize your marketing ROI.Proven strategies to integrate your sales and advertising teams seamlessly.Step-by-step guidance on setting clear marketing goals that actually scale your law firm.Unlock predictable and sustainable growth by mastering the crucial connection between marketing and sales.Get your FREE New Client Attraction Calculator at yourpracticemastered.com/calculator to reverse-engineer your law firm's success today.

Welcome back to Impact Theory with Tom Bilyeu. In this episode, Drew and I take you through a whirlwind week where politics, world affairs, and tech innovation collide. We dissect Biden's shocking cancer diagnosis and what it means for the country, dig into Bernie Sanders' eyebrow-raising admission about the Democratic Party, and go deep on just how broken the government really is—and how (or if) it can ever be fixed. We tackle the big questions: What does it take to create a thriving middle class? Should we trust the government to spend more and do more, or do we need to completely rethink the machine? Are we living through a crisis of vision, where our leaders offer no North Star to inspire the country? And with news breaking on both the NIH's gain-of-function research and China's clampdown on gene editing, are we prepared for the next wave of scientific disruption? SHOWNOTES 00:00 – Biden's Cancer Diagnosis: Personal Impact & Political Fallout 03:14 – Are Our Leaders Too Old? The Real Problem with Political Power 07:08 – Lincoln's Legacy and the Ugly Truth Behind Political Narratives 10:58 – Why America Needs a New Vision (and Why We Don't Have One) 12:59 – Bernie Sanders & the Democratic Party: A Threat to Democracy? 15:39 – Can We Fix the System, or Is It Rigged Beyond Repair? 21:19 – Why Government Spending Is Broken (and How It Could Be Fixed) 27:00 – Positive Visions, Populism, and the Future of American Politics 32:03 – NIH, Wuhan Lab, and the Danger of Silencing Truth Seekers 43:31 – China, Gene Editing, and a New Age of Scientific Heresy 53:02 – Agentic AI: The Next Phase, What It Means, and How to Win 57:56 – Which Jobs Are Disappearing, and Which Will Survive the AI Revolution? 1:02:17 – Business in the Age of Hyper Turnover: What You Need to Know 1:09:36 – Ukraine, Russia, and Trump's Latest Negotiation: A Real Path to Peace? 1:10:13 – The Epstein Files: Government Secrecy and Conspiracy Theories CHECK OUT OUR SPONSORS Vital Proteins: Get 20% off by going to ⁠https://www.vitalproteins.com⁠ and entering promo code IMPACT at check out Monarch Money: Use code THEORY at ⁠https://monarchmoney.com⁠ for 50% off your first year! Shopify: Sign up for your one-dollar-per-month trial period at ⁠https://shopify.com/impact⁠ Netsuite: Download the CFO's Guide to AI and Machine Learning at ⁠https://NetSuite.com/THEORY⁠ iTrust Capital: Use code IMPACTGO when you sign up and fund your account to get a $100 bonus at ⁠https://www.itrustcapital.com/tombilyeu⁠  Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at ⁠https://mintmobile.com/impact.⁠  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business:⁠ join me here at ZERO TO FOUNDER⁠ SCALING a business:⁠ see if you qualify here.⁠ Get my battle-tested strategies and insights delivered weekly to your inbox:⁠ sign up here.⁠ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast,⁠ Tom Bilyeu's Mindset Playbook⁠ —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS:⁠ apple.co/impacttheory⁠ ********************************************************************** FOLLOW TOM: Instagram:⁠ https://www.instagram.com/tombilyeu/⁠ Tik Tok:⁠ https://www.tiktok.com/@tombilyeu?lang=en⁠ Twitter:⁠ https://twitter.com/tombilyeu⁠ YouTube:⁠ https://www.youtube.com/@TomBilyeu⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Your “why” isn't just a feel-good portion of your brand strategy; it's the thing that keeps your business grounded. It's how you make sure you're building something that doesn't just make money, but actually feels right.Without it, you'll burn out, you'll start chasing trends, saying yes to “quick cash” jobs, and taking advice from internet experts who don't know your business, your goals, or your values. And then suddenly, your brand won't feel like you anymore.What we cover in this episode:The exact reason I start every client's brand strategy project by digging into their “why”How your purpose directly impacts who you attract (and why you might be pulling in the wrong people)The connection between your core values, your offers, and your messagingWhat it really looks like to use your “why” as a filter for aligned decisionsA behind-the-scenes look at my own brand origin story—and how my brother's life and legacy shaped my mission to help others live theirsYou don't need a tragic backstory to have a powerful brand, but you do need a deeper reason. Whether your “why” is about spending more time with your kids, doing more meaningful work, or helping people like you feel seen... that purpose becomes your North Star. Once you're clear on it, your marketing gets way easier and so does saying no to the wrong clients.

In this episode, Mike Linch reflects on the powerful stories of Jonathan Irons and Maya Moore, discussing themes of hope, purpose, and perseverance in leadership. He emphasizes the importance of intentionality in achieving greatness and the impact of using one's platform for a greater cause. The conversation also highlights the significance of perseverance in overcoming challenges and the inspiring journeys of both Jonathan and Maya.

How does someone rise from stacking pallets in a Pepsi warehouse to leading a billion-dollar brand?   In this episode, I sit down with Scott Miller, former Essentia Water CEO and author of Summit Mindset, to unpack the philosophy that turns relentless ambition into meaningful success.     Scott brings his book's principles to life as he shares the four pillars that ground him Faith, Family, Business, and Others, proving that sustainable achievement begins when people come before profit.   He walks us through his Failure → Reflection → Persistence cycle, the daily rituals that fuel high performance, and the game-changing question he asks his team every week: "What did we suck at this time?" because real growth starts with honest reflection.     The conversation turns deeply personal as Scott revisits a heart-to-heart with his father on his deathbed, a moment that still shapes his leadership today. At the core of it all? The idea of a North Star, a guiding light that cuts through the noise when data and pressure cloud judgment. Scott challenges us to define ours, lean on our own pillars, and keep climbing, especially when the summit feels out of reach.     We wrap up with practical ways to build cultures where vulnerability fuels strength, ambition goes hand in hand with kindness, and true leadership starts within.     If you're ready to rise without leaving your values behind press play and let Summit Mindset show you the way.     Meet Our Guest: Scott Miller Scott Miller is a seasoned executive and author renowned for his transformative leadership in the global beverage industry. Now the Co-founder & CEO of YESLY Water, Scott began his career on the warehouse floor at Pepsi, gaining firsthand experience that propelled him through the ranks to executive leadership roles.   Miller's people-first approach to business has been a hallmark of his career, emphasizing innovation, corporate social responsibility, and community involvement. Notably, he led the growth and acquisition of Essentia, a national bottled water brand, culminating in its sale to global food and beverage leader Nestlé.   In his debut book, The Summit Mindset: Winning the Battle of You Versus You, co-authored with James C. Moore, Miller shares insights drawn from his personal and professional journey.   The book serves as a guide for individuals seeking to overcome internal obstacles and achieve personal and professional growth. Miller introduces concepts like identifying one's "North Star" and emphasizes the importance of self-reflection, consistency, and embracing change to reach one's full potential.   Miller's philosophy centers on the belief that by confronting our internal challenges and maintaining a commitment to continuous improvement, we can attain both personal fulfillment and professional success.   What You'll Learn in this Episode: The story behind The Summit Mindset and the four pillars that guide Scott's life Why adversity is the greatest teacher—and how to build consistency through it The power of asking, “What did we suck at?” in high-performance cultures How vulnerability and humility foster stronger, more accountable teams Why protecting your “sense of self” is the most important leadership asset The difference between success that lasts and success that fades How habits create confidence, and confidence creates transformation What it means to serve others while fiercely competing at the highest level How Scott's health challenges and personal losses shaped his leadership style Resources & Links Scott Miller Book: The Summit Mindset on Amazon Instagram: @ScottMillerYouVsYou LinkedIn: Scott Miller   Ed Molitor LinkedIn: Ed Molitor Website: www.themolitorgroup.com YouTube Channel: The Athletics of Business Join us at the 2025 Coaching Effect Summit in Kansas City, June 11–12.  Email the word “summit” to  info@themolitorgroup.com Click here to learn more!

In this episode of the Helping Families Be Happy podcast, host Adina Oberman welcomes Christopher Robbins, the founder of Familius. The discussion primarily revolves around stargazing, encouraging families to look up at the night sky, and immersing themselves in the wonders beyond our world. Christopher shares personal anecdotes and offers suggestions for engaging with space and astronomy. The episode also promotes some of Christopher's published works, including his latest book "Space Train," and provides resources for those keen to start their star-gazing journey. Episode Highlights 00:00:10: Introduction to the podcast and welcome to Christopher Robbins. 00:01:40: Christopher discusses the importance and joy of stargazing and putting down phones to experience the universe. 00:02:04: Christopher shares a personal story about watching a meteor shower at Lake Powell. 00:02:57: Advice on putting down phones to enjoy and explore the night sky. 00:03:33: Challenges of disconnecting from phones and the impact of creating family memories while stargazing. 00:04:23: Discussion on what is visible with the naked eye during stargazing. 00:05:19: Reflection on human history and navigation using stars like the North Star. 00:06:36: Explanation of visible planets and celestial bodies such as the Andromeda Galaxy. 00:07:37: The significance of understanding perspectives in the context of space. 00:08:40: Christopher's favorite galaxy and its significance. 00:09:25: Personal family experiences of stargazing and its impact. 00:10:14: Christopher's perspective on conservation in the context of space exploration. 00:10:37: Resources and tools for beginner stargazers, including online sites and apps. 00:13:13: Combining phone apps with naked eye stargazing for a hybrid experience. 00:13:41: Discussion about earthsky.org to check visibility and cloud cover for stargazing. 00:14:20: Christopher shares about visible Northern Lights and local stargazing opportunities. 00:14:41: Closing details about connecting with Christopher and finding his books online. 00:15:28: Promotion of other books related to space offered by Familius. Key Takeaways Encourage family bonding and appreciation for the universe by engaging in stargazing. The importance of reducing screen time to engage with the real world and create lasting memories. Basic astronomical knowledge can be appreciated without fancy equipment; curiosity and initiative are key. Utilize online resources and apps to enhance the stargazing experience and educate further. Respect and conservation of our planet are emphasized through the perspective gained from space exploration. Tweetable Quotes "Put down the phone, go outside and look up." - Christopher Robbins "Looking up at the stars, we're reminded of our place in the universe." - Adina Oberman "Curiosity is contagious, right?" - Christopher Robbins "We are on an island in the middle of the universe." - Christopher Robbins Show Notes by Barevalue.

You're juggling a million things and trying to keep your organization running smoothly — but what if the real issues you're facing aren't random? In this episode, I introduce you to the STRONG Framework — the six foundational pillars of a resilient nonprofit — and show you how to identify where your organization might be structurally out of sync.If you've ever asked, “What's really going wrong here?” this is the clarity you've been looking for.In this episode, you'll learn:A high-level breakdown of the STRONG Framework I use with all my nonprofit clientsHow to spot which part of your organization is absorbing pressure it wasn't built to carryWhy resilience starts with diagnosis — not doing more3 Key Takeaways:Structural issues cause chronic organizational pain — and they're fixable.Not everything needs to be fixed at once. One shift at a time is powerful.Diagnosing problems gives you clarity and control — not overwhelm.Step-by-Step: The STRONG Framework ExplainedS — Strategic Clarity Are you aligned around a clear North Star? Misalignment here shows up as team overwhelm, scattered priorities, and disengaged stakeholders.T — Team & Ownership Are roles, responsibilities, and decision-making authority clearly defined? A deficit here leads to bottlenecks, dropped balls, and over-reliance on you.R — Resources Is your funding sustainable and aligned with your growth? Constant feast-or-famine fundraising points to a Revenue Deficit.O — Operations Do your systems support efficiency and scale? If your team is stuck reinventing the wheel or bogged down in manual tasks, this pillar needs work.N — Networked Capacity Are you leveraging advisors, partners, and your broader ecosystem — or carrying the mission alone?G — Governance Is your board engaged at the right level? Both micromanagement and disengagement signal a Governance Deficit.

For this episode of the Data Center Frontier Show podcast, DCF Editor-in-Chief Matt Vincent and Senior Editor David Chernicoff sat down with Tony Grayson, President and General Manager of Northstar Technology Group's Enterprise and Defense unit, to unpack a strategic acquisition that's shaking up the edge and modular data center space. The conversation centered on Northstar's acquisition of Compass Quantum, a company known for its rapidly deployable, composite-based modular infrastructure tailored for both enterprise and defense applications. From Compass to Northstar: A Strategic Realignment “We were developing a modular brand at Compass,” said Grayson. “Where Compass was building the gigawatt-scale campuses, I was building the smaller campuses using building blocks of modules—versus, you know, kind of a stick build.” That smaller-scale focus gained traction with enterprise clients, including several Fortune 50 companies, but new opportunities in the defense sector introduced regulatory friction. “Compass is Canadian-owned, and that goes against some of the rules that the U.S. government has,” Grayson explained. “Chris Crosby was a huge supporter… he wanted to sell us so he wouldn't hinder us from growing the company or servicing U.S. defense needs.” Enter Northstar Technology Group, which brings a strategic partnership with Owens Corning—the manufacturer and IP holder behind Compass Quantum's composite materials. With engineering, manufacturing, and construction capabilities now integrated under one roof, Grayson sees the acquisition as a natural fit. “Everything is now in-house instead of trying to go outside to other consultants,” he said. AI-Ready Modulars in 5MW Increments As hyperscale demands evolve, Grayson noted growing customer appetite for 5 megawatt modular units—mirroring the scale at which Nvidia and others are now building AI infrastructure. “You've seen Wade Vinson talk about it at Data Center World, and you see Jensen [Huang] talking about 5 megawatts being the line where you cross between the L2 and L3 network,” he said. “We can build in 5 megawatt increments and drop that stuff in parking lots—either as an operating lease or as a sale.” That flexibility extends to Northstar's channel partners, who are increasingly seeking a variety of procurement models. “Some want sales, not just leases. It gives us more freedom to do that kind of stuff,” said Grayson. “Sometimes it's better to be lucky than good, and I feel like the timing of this couldn't have been better for where the industry's at right now.” Veteran-Led Advisory Team Strengthens Defense Strategy In addition to the materials and platform innovations, Northstar's defense ambitions are underpinned by what Grayson describes as a “dream team” of senior military advisors. “We basically have every outgoing ‘six'—the people in charge of IT and comms for the Air Force, Marine Corps, Army, and Navy—as advisors,” he said. “Some will be coming on full time.” These high-level advisors, many of whom retired as three-star generals, are instrumental in helping Northstar align its solutions with evolving defense requirements, particularly in distributed compute and real-time data processing. “We're making huge progress on the enterprise side, but the defense side is where we need to catch up,” Grayson added. “Defense globally needs distributed compute… they're ahead of enterprise when it comes to inference platforms.” He also highlighted Northstar's engagement with the Navy, particularly around airborne systems. “That's why we have the old air boss, Admiral Weitzel. He helps us with aircraft systems. These planes generate so much data, and we need advice on how best to internalize and analyze it.” Material Advantage: Why FRP Composites Are a Game-Changer: Durability, Customization—and No Tariffs A key differentiator for Northstar's modular approach is its use of fiber-reinforced polymer (FRP) composites instead of traditional steel or concrete enclosures. As Grayson explained, “There's no tariffs involved in any of this stuff. It's all locally sourced and rather easy to get from Owens Corning.” This material advantage extends far beyond sourcing. FRP composites allow Northstar to customize modules for specific use cases, including: Fire resistance: Two-hour fire ratings. Extreme weather: Withstanding 250 mph winds—Category 5 hurricanes and F5 tornadoes. Military resilience: Ballistic protection up to 7.62mm and .50 caliber rounds. And despite their strength, these modules are extremely lightweight—“30% lighter than aluminum,” said Grayson. “I don't know if you've ever seen the picture of me holding the 15-foot I-beam. I'm a sub guy, not Army tough. I definitely couldn't hold that up if it were steel.”

Stew Campbell, Partner at The Chernin Group In this episode of M&A Science, host Kison Patel sits down with Stew Campbell to explore how growth equity supports founder-led companies beyond just capital. Stew shares lessons from his career helping businesses scale while preserving their culture and mission. They discuss how founders should think about their boards, when to consider a minority recap, what separates elite investors, and how to navigate noisy capital markets with clarity and confidence. Whether you're a founder eyeing your next stage of growth or an operator thinking through the right partner, this episode unpacks how to scale with intention. Things you will learn: What a value-creating board actually looks like—and how to build one How to differentiate growth equity, private equity, and venture capital When to consider a minority recap—and how to structure it Why investor relationships are a long game and how to run your own "unbanked process" __________ Turn Your Chaos into Control:Tired of chasing updates across spreadsheets and email threads? Discover how DealRoom helps corporate development teams bring order to M&A.

Send us a textIn this episode of Walk 2 Wealth, I sat down with Scott Clary, host of the Success Story Podcast and a seasoned entrepreneur who's spent years unpacking what it really takes to build a life and business you love.We talked about why blindly copying our parents' playbook no longer works in today's world, how to break free from the expectations others have for your life, and the dangers of tying your self-worth to your work.Scott also shared tactical insight on de-risking your entrepreneurial journey, navigating career pivots, and why clarity—knowing your North Star—is your most valuable asset.Whether you're just starting out or trying to realign with your purpose, this one will challenge how you think about success.

In part 4 of our Greatest Hits series, Mike shows us why obeying God is always the best choice as he dives into the story of Jonah.

Two-time Olympic gold medalist Giles Scott discusses his remarkable journey from youth sailor to SailGP driver. Hear about the experiences, decisions, and lessons learned that have shaped Scott's career and made him one of the most successful sailors of his generation. Learn more about your ad choices. Visit megaphone.fm/adchoices

*** This episode talks about suicide. If you are suicidal, please call/text/chat *988 *** My friend Jenn Curtis (late 40s, lives in California, experiences same-sex attraction) joins us to share her powerful story out of a desire to help others including: * Sexual assault survivor which led to unhealthy coping behaviors and immense shame * Falsely concluding “God is disappointed in me” * Falsely concluding (at age 17) that death would be a better option * Feeling unlovable and that “no one could love the real me” * Finding more hope—but two subsequent decades of living in a “form of internal hell” * Powerful spiritual experience where God told her she is a “bullfighter” * Honest about sexual orientation with God, herself, and husband * Helpful friends—part of the process to remove shame * As friends loved/accepted her, Jenn considered “I might be lovable—and God may love me too” * My story is a “beautiful love story” * Finding joy * Powerful EFY experience * North Star This is a super-powerful, spiritual, and vulnerable podcast providing principles to help us better understand God's love, how shame has no place in the Gospel, and how Jesus helps heal us. If you are in a hard spot, please listen to Jenn's story. It will give you more hope. And if you are looking to better support our SSA/LGBTQ friends, please listen and share Jenn's podcast. Thank you for being on the podcast, Jenn! You are so brave—you are bullfighter—and your courage is helping so many! Links: youtube.com/@LatterdayWomenWarriors https://www.northstarsaints.org/voh-jenn www.youtube.com/@TheApocrypharules www.northstarsaints.org/voices-of-hope-profiles North Star: www.northstarsaints.org/ Jenn's Facebook: www.facebook.com/profile.php?id=100007513065761