Podcasts about OPM

Top headlines for Thursday, July 31, 2025In this episode, we explore the recent legal battle as a coalition of Christian groups challenges the Trump administration's controversial policy permitting ICE operations at places of worship. We then shift focus to the international stage, where world leaders and humanitarian organizations are unveiling new strategies to address the emergent humanitarian crisis in Gaza. Plus, we examine the debate in California, where a parental rights group raises alarms over a proposed bill seeking to protect undocumented immigrant children, warning that it may dangerously redefine guardianship. 00:11 Christian groups seek to stop ICE operations on church properties01:05 OPM issues guidance on religious expression at federal workplaces01:52 Arab League nations demand Hamas leave Gaza02:56 Ray Comfort praises police response, thanks God after break-in03:45 World leaders, aid groups react to humanitarian crisis in Gaza04:38 Parental rights group: Calif. bill could 'make kidnapping' easier05:37 Lauren Daigle surprised Camp Mystic survivorSubscribe to this PodcastApple PodcastsSpotifyGoogle PodcastsOvercastFollow Us on Social Media@ChristianPost on TwitterChristian Post on Facebook@ChristianPostIntl on InstagramSubscribe on YouTubeGet the Edifi AppDownload for iPhoneDownload for AndroidSubscribe to Our NewsletterSubscribe to the Freedom Post, delivered every Monday and ThursdayClick here to get the top headlines delivered to your inbox every morning!Links to the NewsChristian groups seek to stop ICE operations on church properties | PoliticsOPM issues guidance on religious expression at federal workplaces | PoliticsArab League nations demand Hamas leave Gaza | WorldRay Comfort praises police response, thanks God after break-in | U.S.World leaders, aid groups react to humanitarian crisis in Gaza | WorldParental rights group: Calif. bill could 'make kidnapping' easier | PoliticsLauren Daigle surprised Camp Mystic survivor | Entertainment

Can AI run the government?     In this episode of The Data Chronicles, Scott Loughlin talks with Taka Ariga, former Chief AI Officer at OPM and Chief Data Scientist at GAO, about how the US federal government is approaching its use of AI.  With a focus on the benefits and risks created by AI in the public sector, Scott and Taka explore the impact of AI on the public workforce, public services, national security, and policy making, while discussing agile governance, transparency, and the evolving leadership role of Chief AI Officers.     Two things become clear. First, the government is experiencing the same AI legal concerns as the private sector. And, second, companies and government have much to learn from one another on how they can each harness AI's promise and manage its risks.

Since taking office, the Trump administration has made it a top priority to dismantle what it perceives as federal bureaucratic bloat. But it's the belief of some that those cuts to the federal workforce and federal programs have gone too far, damaging the government's capacity to meet its mission and serve the American public. Rob Shriver, former acting OPM director during the Biden administration, is one of those. And in his new role as Managing Director of Democracy Forward's Civil Service Strong initiative, he's helping launch a new Civil Service Defense and Innovation Fellowship Program that aims to rebuild that lost capacity by calling on former government officials to “produce research and analysis documenting the scope and consequences of cuts to federal agencies, and develop and incubate innovative work to inform future policymaking and to rebuild government capacity.” Shriver joins the podcast to discuss the state of the federal workforce, the new fellowship and what he sees ahead. Let's go now to that interview. The Department of Defense's No. 2 IT official for the past two years is leaving the role, the department announced Monday. Leslie Beavers, who also served as acting DOD CIO for a period at the end of the Biden administration and during the early days of the second Trump administration, will step down as DOD principal deputy CIO at the end of September. In a social media post, the DOD Office of the CIO congratulated Beavers who announced Monday that she will be stepping down from her position at the end of September after more than 30 years of uniformed and civilian service. Beavers played a key role in the Office of the CIO's delivery of its Fulcrum IT strategy in 2024 with then-CIO John Sherman. When Sherman stepped down from the CIO role at the end of June 2024, Beavers filled it temporarily until Katie Arrington was appointed to perform the duties of CIO in March. Since then, Beavers retained her deputy role, supporting new efforts under Arrington's leadership like the Software Fast Track initiative and “blowing up” the Risk Management Framework. It's unclear what Beavers' next role will be after her departure or who will take her place when she officially leaves. President Donald Trump has tapped State Department leader Michael Rigas to serve as the General Services Administration's new acting chief, the agency announced Monday. It marks the third GSA appointment for Rigas, who has spent the past few months at the State Department as the deputy secretary for management and resources, according to a statement from Marianne Copenhaver, associate administrator for the GSA. Copenhaver wrote in a statement to FedScoop: “We're thrilled to have his institutional knowledge, leadership, and decades of experience in the private and public sector. Under Mike's leadership, GSA will continue to deliver effective and efficient government services in real estate, acquisition, and technology.” Stephen Ehikian, who has served since January as GSA's acting administrator, will continue his role as deputy administrator, Copenhaver added. Ehikian is a former Salesforce vice president and self-proclaimed “serial entrepreneur.” The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

NAPS Executive Vice President Chuck Mulidore joins Bob to discuss NAPS' successful efforts to defeat USPS employee cuts in the FY 2025 Budget Reconciliation Act. Chuck and Bob also talk about a July 2 Office of Personnel Management (OPM) Inspector General report, which warned of impending danger to the 2025 Postal Service Health Benefits Program open season. Chuck and Bob review NAPS' activities on Capitol Hill to ensure that OPM has the necessary resources to conduct the open season effectively. Finally, Chuck and Bob chat about potential EAS re-classifications due to plant changes, a July 24 Senate hearing  on two nominees to the USPS Board of Governors, and the 2025 "Cure for the Summertime Blues" SPAC Raffle.

June saw the third largest number of federal employees retire in calendar year 2025. More than 13,400 feds submitted their paperwork. At the same time, the average number of days to process retirement paperwork dropped to 45, the lowest number since February and the second lowest in the last 18 months. OPM's backlog of retirement claims stands just over 26 thousand, the highest level since October 2023. In all, 70,351 employees retired in the first six months of 2025 as compared to 56,756 employees who left federal service during the first six months of 2024. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this provocative and incredibly insightful episode of An Educated Guest, host Todd Zipper sits down with John Katzman, a serial entrepreneur and one of the most influential figures in education, known for founding The Princeton Review and Noodle. John offers a no-holds-barred perspective on the seismic shifts needed across the entire education landscape.The conversation delves into the evolution of online program management (OPM), why its traditional model is unsustainable, and how Noodle aims to redefine university partnerships. John tackles the soaring costs of higher education, proposing systemic solutions to the $1.7 trillion student debt crisis that challenge conventional thinking. He then pivots to K-12, dissecting its "governance problem" and explaining why top-down reforms continually fail. This episode is packed with John's unique, often controversial, takes on everything from the resurgence of for-profits to the transformative (and sometimes reckless) potential of AI in education, all while offering powerful insights for edtech founders and a glimpse into his vision for the future of learning.Key Takeaways from this Episode:OPM's Future: John's candid assessment of the Online Program Management (OPM) industry, why he believes it's "transitional," and how Noodle is forging a new path for university partnerships.Solving the Student Debt Crisis: A deep dive into the true cost of higher education and innovative, systemic solutions to the $1.7 trillion student debt burden, including state-level incentives.K-12's Governance Challenge: An incisive critique of the American K-12 system, arguing that curricular reforms fail due to a fundamental "governance problem" that requires radical change.AI's Dual Impact: Insights into how Artificial Intelligence can dramatically lower administrative costs and enable powerful, affordable learning simulations, but also its potential pitfalls if deployed carelessly.Why EdTech Philanthropy Falls Short: A frank discussion on why billions of dollars invested in education reform have yielded limited impact, citing arrogance, systemic inertia, and a lack of true R&D.The Power of Data & Networked Universities: Discover how data can personalize student support and why forging strong university networks is crucial for adaptability and innovation in a rapidly changing world.About Our Guest:John Katzman is a legendary entrepreneur and visionary in the education sector, having founded three incredibly impactful companies: The Princeton Review, 2U (formerly), and Noodle. As the Founder and former CEO of Noodle, he has been at the forefront of transforming higher education through online program management and strategic partnerships. Katzman is a frequent commentator on educational trends, policy, and innovation.

In this episode, Ryan and Neal delve into one of the most crucial decisions a private lender can make. Should you invest your capital, or stick with using other people's money (OPM)?They explore how lending your funds can significantly boost your returns, improve flexibility, and build investor trust. In this episode, Neal and Ryan break down when it makes sense to deploy your cash, the risks involved, and how to structure deals smartly.If you're a private lender, broker, or investor looking to take your business to the next level, this episode is for you! Listen and enjoy the show!Show Notes:02:30 - Halifax housing costs are now on par with Toronto04:46 - The housing correction in Ontario05:53 – Halifax's real estate trends, military investment, and market structure09:24 - Should you invest your own money in private mortgages?10:25 - Traditional MEC model using investor capital and margins11:32 – Lending your own money: fees, interest, and total ROI13:12 – How to recycle capital with short-term loans13:40 - $150K loan returns $12K in six months15:25 - Key risks of using your own money 17:20 - Mitigating the potential dangers of using your cash for lending17:48 - Smart strategies: low LTVs, known borrowers, exit plans20:21 – AB loan structures to boost returns while protecting investors21:21 - Final thoughts on risk, return, scaling up, and lifestyle benefits22:30 - Real estate investing is the same as private lendingResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

Discover three proven strategies beginners can use to break into real estate: creative financing, using private money (OPM), and starting small with high-leverage loans. Real-world examples and clear guidance—everything needed to get in the game.Learn how master lease agreements and seller carry second mortgages can help you bypass traditional lending barriers and take control of cash-flowing properties.See how one of our students closed a 12-unit deal with just $25K of her own money—and how you can do the same by structuring smart partnerships.Explore why beginning with a fourplex or smaller residential property can be the smartest move for long-term wealth building, and how FHA or VA loans can make it even more accessible.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Troy Hudson. A deeply personal and insightful interview with former NBA player and author Troy “T-Hud” Hudson. Here's a breakdown of the key highlights and takeaways:

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Troy Hudson. A deeply personal and insightful interview with former NBA player and author Troy “T-Hud” Hudson. Here's a breakdown of the key highlights and takeaways:

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Troy Hudson. A deeply personal and insightful interview with former NBA player and author Troy “T-Hud” Hudson. Here's a breakdown of the key highlights and takeaways:

Learn how private money lending real estate transforms your funding strategy and why private money lending real estate is the go-to for savvy investors. In this episode, we unpack the fundamentals of private money lending real estate to help you raise capital without bank loans.✅ Understand real estate syndication explained—how pooling stranger capital under a sponsor/LP works✅ Discover creative financing in real estate techniques like seller-financing and private notes✅ Learn the ins and outs of real estate joint ventures to partner with active investors✅ Explore OPM strategies for investors that leverage other people's money for growth✅ See how to raise capital with OPM step by step, from pitch to closing✅ Avoid legal missteps with Howey test real estate investing—know when you're issuing a security✅ Draft compliant deals using an operating agreement real estate JV to define roles and equity✅ Compare capital-raise vehicles so you choose the right method for your projectBy the end, you'll have a clear roadmap for structuring deals that attract private lenders, stay SEC-compliant, and scale your real-estate portfolio. No jargon, just actionable insights straight from industry experts.

SummaryIn this conversation, Host Ryan Roghaar and his guest Jones Loflin discuss the importance of conscious choice in personal and professional life, emphasizing the need for self-care, work-life balance, and the courage to embrace failure. He shares insights on building confidence and competence, the significance of clarity in achieving goals, and the role of community support in entrepreneurship. The discussion highlights the cultural challenges that affect confidence and the necessity of celebrating wins to foster a positive mindset.TakeawaysThe power of choice is crucial for personal and professional growth.Work-life balance should be viewed as work-life integration.Self-care is essential for maintaining energy and focus.Taking action in the face of uncertainty is necessary for progress.Building competence requires recognizing areas for improvement and seeking help.Celebrating small wins boosts confidence and motivation.Clarity in goals leads to more effective actions.Failure is a stepping stone to success and learning.Community support is vital for entrepreneurs.Differentiating oneself in a crowded market is essential for success.Chapters00:00 Introduction to the Go-Giver Philosophy08:20 Understanding Value and Self-Worth11:31 Authenticity and Finding Purpose14:14 The Importance of Passion in Business17:42 The Role of Mentorship in Personal Growth20:35 Breaking Through Barriers to SuccessCredits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM  The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggscast.com@eggshow on twitter and instagramOn iTunes: itun.es/i6dX3pCOnStitcher: bit.ly/eggs_on_stitcherAlso available on Google Play Music!Mike "DJ Ontic":Shows and info:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠djontic.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@djontic on twitterRyan Roghaar:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rogha.ar

How do you fund your first real estate deal if you don't have money? In this episode, Spencer Sutton and Adam Hobson break down creative real estate financing strategies used by investors to buy deals without using their own cash. Whether you're flipping houses, buying rentals, or wholesaling, this episode shows how real estate investors finance deals and scale. You'll Learn: How to use OPM to fund your next deal What hard money is (and how to leverage it) The strategy behind refinancing How to build lasting and lucrative relationships with investors Favorite Quote: "There's really no excuse; if you want to do something, you can. The money's out there." Who Should Listen:

1.  Sigo recordando a Carlos Merced, lo grande que fue y su participación en este programa2.  Exmaestra se declara culpable de explotación sexual de un menor en #Mayagüez3.  La UPR obtiene luz verde para presupuesto de $1,210 millones4.  La vista de inmigración de la ciudadana dominicana, Aracelys Terrero Mota, será en PR.5.  Todavía no se sabe cuándo Wanda Vázquez se declarará culpable6.  Empresa encargada de Renovaciones Online exige reunión con Salud tras cancelación de contrato7.  ¿Bota el dinero la Procuraduría de las mujeres? Campaña de la OPM refuerza narrativas inefectivas sobre la violencia machista. Expertas coinciden en que la nueva estrategia publicitaria revictimiza a las sobrevivientes8.  "Tienen que bajarle dos", responde Soto Aguilú ante remoción placa en su oficina. La senadora insistió que ella lo hizo porque leía "Presidenta de la Comisión de lo Jurídico".9.  EEUU adelanta un posible acuerdo de alto al fuego en Gaza10.             EE.UU. detiene algunos envíos de ayuda militar a Ucrania11.             La Unión Europea anuncia nuevas directrices sobre el uso de la inteligencia artificial en sectores críticos12.             EEUU La Reserva Federal señala una posible pausa en las subidas de tipos de interés a la espera de nuevos datos de inflaciónEste es un programa independiente y sindicalizado. Esto significa que este programa se produce de manera independiente, pero se transmite de manera sindicalizada, o sea, por las emisoras y cadenas de radio que son más fuertes en sus respectivas regiones. También se transmite por sus plataformas digitales, aplicaciones para dispositivos móviles y redes sociales. Estas emisoras de radio son:1.    Cadena WIAC - WYAC 930 AM Cabo Rojo- Mayagüez2.    Cadena WIAC – WISA 1390 AM Isabela3.    Cadena WIAC – WIAC 740 AM Área norte y zona metropolitana4.    WLRP 1460 AM Radio Raíces La voz del Pepino en San Sebastián5.    X61 – 610 AM en Patillas6.    X61 – 94.3 FM Patillas y todo el sureste7.    WPAB 550 AM - Ponce8.    ECO 93.1 FM – En todo Puerto Rico9.    WOQI 1020 AM – Radio Casa Pueblo desde Adjuntas10. Mundo Latino PR.com, la emisora web de música tropical y comentario Una vez sale del aire, el programa queda grabado y está disponible en las plataformas de podcasts tales como Spotify, Soundcloud, Apple Podcasts, Google Podcasts y otras plataformas https://anchor.fm/sandrarodriguezcotto También nos pueden seguir en:REDES SOCIALES:  Facebook, X (Twitter), Instagram, Threads, LinkedIn, Tumblr, TikTok BLOG:  En Blanco y Negro con Sandra http://enblancoynegromedia.blogspot.com  SUSCRIPCIÓN:Substack, plataforma de suscripción de prensa independientehttps://substack.com/@sandrarodriguezcotto OTROS MEDIOS DIGITALES: ¡Ey! Boricua, Revista Seguros. Revista Crónicas y otrosEstas son algunas de las noticias que tenemos hoy En Blanco y Negro con Sandra. 

What if you could stop chasing deals and start collecting payments like a bank? In this eye-opening episode, I sit down with Patrick Franz, founder of Note Investor University, to explore the power and potential of note investing—an often-overlooked strategy that's changing the game for savvy real estate investors. Patrick pulls back the curtain on how owning mortgage notes can create more security, scalability, and true passive income than traditional rentals or flips.Whether you're tired of toilets, tenants, and turnover or just looking for smarter ways to grow your portfolio, this episode is packed with insight. We talk about the difference between owning real estate and owning the paper behind it, how to find and evaluate notes, and how you can leverage private capital to build a cash-flowing note portfolio—even if you're brand new to the space.Timeline Summary[1:18] - Patrick Franz explains what note investing is and why most real estate investors haven't explored it[2:56] - Key differences between real estate investing and buying promissory notes[5:03] - A side-by-side comparison of the landlord model versus the lender model[10:06] - How buying notes at a discount creates instant equity and above-market returns[13:51] - Understanding the secondary mortgage market and how to legally step into the bank's shoes[17:08] - Where to find notes and why sourcing them isn't the hardest part[20:03] - Why notes are safer and easier to pitch to private lenders than rental properties[22:21] - The magic of amortization and why it benefits note holders over time[24:28] - How third-party servicers manage the process and make it truly passive[27:12] - How to work with Patrick and what Note Investor University offers[29:35] - Real success stories and what's possible within just 12 months of learning and applying note investing strategiesKey Takeaways1.You don't have to own the property to profit from real estate – owning the debt can be even more powerful.2.Note investing offers instant equity and stable, predictable cash flow, often with double-digit returns.3.Notes are easier to pitch to private lenders because they are safer, backed by real estate, and not subject to market fluctuations.4.You can scale your portfolio using OPM (other people's money) once you master the process and build your expertise.5.Financial freedom is achievable within 36 months with the right note investing strategy and education.Links & Resources•Schedule a call with Patrick: calendly.com/thenotementor•Learn more about Simple CFO: https://simplecfo.com •Contact David Richter and Simple CFO: https://rei.simplecfo.com/scheduleacall•More about David Richter: https://join.simplecfo.com/david•Want David on your podcast? Contact us at: john@simplecfo.com •Browse notes: paperstac.com•Financial clarity and coaching: simplecfo.comIf this episode opened your eyes to a smarter, more secure way to invest in real estate, follow, rate, and review the Profit First for ROI podcast. And don't forget to share it with a friend who needs to hear this. Let's help more investors make profit a habit in their business.

Agencies officially have more leeway to fire federal employees who recently started a new job. That's after the Office of Personnel Management finalized changes to the federal probationary period. OPM says its final rule sets expectations for a high performing Federal workforce, but some say the OPM rule focuses on the wrong reforms for probationary employees. Federal News Network's Drew Friedman, got more from the Partnership for Public Services, Vice President of Government Affairs, Jenny Mattingly.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Troy Hudson. A deeply personal and insightful interview with former NBA player and author Troy “T-Hud” Hudson. Here's a breakdown of the key highlights and takeaways:

Welcome back to Performance Marketing Spotlight! In this episode, host Marshall Nyman sits down with Brook Schaaf, founder and CEO of FMTC, to unpack his remarkable journey through the world of affiliate and performance marketing. From his early days at Zappos and the founding of one of the industry's earliest OPM agencies, to the growth of FMTC as a leader in coupon and deal feeds, Brook shares candid insights on building businesses, navigating industry challenges, and the evolving landscape shaped by AI and data management. You'll hear Brook's perspective on why affiliate remains a strong channel, how brands and professionals can thrive in the space, and what the future holds for performance marketing. Plus, catch the latest on FMTC's exciting product updates and industry events. Whether you're an industry veteran or new to affiliate marketing, this conversation is packed with valuable advice and thought-provoking commentary.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you risking your financial future by blindly following the use “Other People's Money (OPM)” playbook in real estate investing?If you've ever been tempted by social media gurus promising Canadian real estate investment riches without using your own cash, this episode is your wake-up call. Before you borrow a dime, you need to understand what Canadian mortgage lenders and private lenders really look for, when “Other People's Money (OPM)” crosses legal lines, and how over-leveraging could quietly destroy your financial wealth health—and relationships.In this episode, you'll learn:The legal and financial traps behind gift letters, Canadian mortgages, private lending, and misused HELOCs.Smarter, safer ways to structure real estate joint ventures and family real estate lending deals—without causing drama (or fraud).How to assess your true readiness for using leverage to invest, and why a conservative strategy can actually accelerate your Canadian wealth.Press play now to uncover the real risks and rewards of using Other People's Money (OPM) — and avoid the mistakes that cost Canadian real estate investors more than just money.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian real estate investing with Other People's Money (OPM) isn't a cheat code—it's a high-risk strategy that demands careful planning and legal awareness. For Canadian investors and entrepreneurs, understanding how to legally structure joint ventures, private lending, and HELOC strategies is essential to avoid financial disaster. This episode explores OPM pitfalls like fake gift letters, overleveraging, and misused Canadian mortgage lending rules. Discover how smart Canadian investors assess risk, Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Daily Scoop listeners and readers of FedScoop will recall the shocking news earlier this year when 18F, a decade-old digital services consultancy in the General Services Administration, was shuttered by the Trump administration's Department of Government Efficiency. Members of the team have banded together since their termination to keep an active presence online through 18F.org in the wake of their dismantling. But the group isn't going out without a fight. Several senior members of 18F in late May filed a class action appeal to the Merit System Protection Board claiming that GSA lacked a “valid reason” for firing them and targeted them as an act of “retaliation” for their political beliefs. In the appeal, they call for a hearing and to have their removal reversed. Lindsay Young is the former executive director of 18F and one of the name appellants representing the class in the appeal. She joins the podcast for a conversation about how the “deletion” of 18F went down, what she and her team have been doing since, and what they hope to accomplish with the appeal. U.S. officials violated federal privacy law and flouted cybersecurity protocol in sharing Office of Personnel Management records with DOGE affiliates, a federal district court judge in New York ruled Monday, granting a request for a preliminary injunction against the administration. In a 99-page order, Judge Denise Cote of the U.S. District Court for the Southern District of New York concluded that federal worker and union plaintiffs had shown that the government defendants in the challenge shared OPM records with “individuals who had no legal right of access to those records” in violation of the Privacy Act of 1974 and cybersecurity standards. “This was a breach of law and of trust,” Cote said in the order. “Tens of millions of Americans depend on the Government to safeguard records that reveal their most private and sensitive affairs.” The ruling is the latest in a challenge to DOGE's data access at OPM brought by a coalition of federal unions and current and former government employees or contractors. A new executive order from President Donald Trump aims to boost drone manufacturing in the United States, an effort the administration hopes will spur productivity and technological development and secure the country's industrial base. Meanwhile, a second executive order aims to combat the risk that, as drone usage proliferates, the technology could also be used to threaten public safety and endanger critical infrastructure. The “Unleashing American Drone Dominance” and “Restoring American Airspace Sovereignty” executive orders, both signed last Friday, come amid growing concerns about the operation of the National Airspace System, the airspace the Federal Aviation Administration monitors for commercial flights, space launches, and other aerial activity. Drones, sometimes called unmanned aerial systems, are also used to smuggle drugs and assist in criminal activity. Unauthorized UASs have increasingly shown up near some nuclear facilities, military bases, and commercial airports, raising concerns, too. The new executive order on airspace sovereignty aims to combat the problem, broadly charging federal agencies to detect drone activity, which will require the use of tracking and identification technology. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

More federal employees filed retirement papers with OPM in May than in the last three months. OPM says it received more than 15,000 claims last month, driving the backlog up over 21,000. The processing time for these retirement claims remain consistent at 49 days on average in May and 52 days on average for the entire 2025. The increase in applications comes as OPM is requiring agencies to send retirement paperwork only in digital formats by July 15. OPM launched two new tools this week to improve the retirement services process. One is a new platform for agency HR and payroll providers and another to modernize the Electronic Official Personnel Folder (eOPF) platform.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

OPM recently extended the comment period on its proposed rule creating the Schedule Policy/Career. A group of former senior political appointees from the Environmental Protection Agency submitted a joint letter objecting to the rule on the ground that it could chill experts from providing their best scientific advice. Here with more on their rationale is one of the signers of the letter, former Deputy Administrator and Acting Administrator of the U.S. Environmental Protection Agency during the Obama administration, Bob Perciasepe.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this week's episode of Abundance Thursdays, Vinney “Smile” Chopra and Gualter Amarelo unpack a truth that most people overlook: your job is not the goal—it's the tool. If you're grinding 40+ hours a week but not building real wealth, you're missing the point. Your W2 income should buy back your time—not just pay bills.   In this candid, energetic conversation, Vinney and Gualter share:

The White House is not requesting an increase in pay for federal employees in fiscal 2026. President Donald Trump released more details of his budget request for next year late Friday afternoon. The appendix section of the budget proposals also includes provisions to continue the pay freeze for certain career Senior Executive Service members and political appointees. In all, the new budget document details more specific discretionary spending requests for each agency. Unlike the "skinny" budget released in early May, the administration did include funding requests for OPM, Education and independent agencies like CFBP.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Last week, a federal judge criticized the way Office of Personnel Management officials allowed DOGE to access sensitive OPM databases. The judge is now considering issuing an order that would restrict how DOGE can access those systems in the future for the latest Federal News Network's Justin Doubleday joins me.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to the Real Deals Show!In this episode, we're diving into a $105K profit deal breakdown that shows exactly how Daryl used creative financing and OPM (Other People's Money) to achieve massive results.Daryl shares his journey of going from full-time contractor to successful cross-border real estate investor. He opens up about how taking massive action, leveraging creative financing, and using OPM helped him escape the rat race and build a profitable real estate portfolio.You'll get a full deal breakdown of one of his most impressive projects—earning $105,000 in profit—and learn the exact strategies he used to make it happen.From investing in multiple Canadian provinces to now expanding into the U.S. real estate market, Daryl explains the advantages of U.S. investing as a Canadian and what's possible when you follow the right system.If you're serious about learning how to build wealth with real estate investing, especially using creative strategies and OPM, this episode is a must-watch.______________________________________________✅ Thanks for stopping by! We're thrilled to have you here.

Democratic lawmakers are criticizing the Trump administration's recent push to pay political appointees more money. In a letter to the Office of Personnel Management, Democrats on the Senate Appropriations Committee called OPM's recent encouragement on the issue an “egregious abuse” of taxpayer dollars. OPM recently recommended that agencies pay their political appointees the maximum salary possible, nearly $200,000. Based on current federal salary caps, Schedule C political appointees can be paid nearly $200,000 per year. They don't always receive the top amount, but OPM recently recommended that agencies pay their political appointees the maximum salary possible. The Democrats are now pressing OPM for more information on the responsibilities and costs of current Schedule C appointees.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Les The DJ serves up our first ever OPM special with deep grooves from the Philippines featuring Hajji Alejandro, Lerma Dela Cruz, Blackbuster, Apo Hiking Society and more. Plus lush sounds of the Filipino diaspora from Mndsgn to Freddie Joachim, an irrefutable jazz gem by Nao Yoshioka and more Pacific funk power from the Happy Dolls and Aria Yunior. View the full playlist for this show at https://www.wefunkradio.com/show/1251 Enjoying WEFUNK? Listen to all of our mixes at https://www.wefunkradio.com/shows/

The Government Accountability Office blocked an attempt by Elon Musk's DOGE to install a team at the congressional watchdog, according to a spokesperson for the independent, nonpartisan agency and an email shared with FedScoop. The spokesperson said that DOGE staffers who attempted to establish a team at the watchdog cited President Donald Trump's executive order creating the efficiency-driven group within the White House. The spokesperson further confirmed that the agency had “declined any requests to have a DOGE team assigned to GAO.” The watchdog also sent an email to its staff Friday about the attempt and its response, a GAO source confirmed. According to the text of that email shared with FedScoop, GAO said it sent a letter to DOGE's acting administrator “stating that GAO is a legislative branch agency that conducts work for Congress. As such, we are not subject to DOGE or Executive Orders.” A top Senate Intelligence Democrat is warning the Office of Personnel Management against cancelling identity protection services that have been provided to current and former federal employees since their data was exposed in the massive 2015 OPM data breach. In a letter sent Friday to OPM acting Director Charles Ezell, Sen. Mark Warner, D-Va., expressed concerns about Department of Government Efficiency-instituted cuts to the personnel agency and plans that it may have to “curtail identity theft monitoring for millions of public servants and their families whose information was compromised in 2015.” The breach of OPM servers by Chinese-backed hackers rocked Washington and the federal workforce a decade ago, as the Social Security numbers, birthdates, addresses and other personal information of more than 21 million individuals were exposed. At the time, Warner, his Virginia Senate colleague Tim Kaine and then-Sens. Ben Cardin and Barbara Mikulski of Maryland co-sponsored the RECOVER Act to provide identity protection services to those impacted by the OPM breach. Congress appropriated funds for those services “for a period of not less than 10 years.” The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Think you have to joint venture to grow your real estate portfolio? Think again.In this video, Dave breaks down 7 powerful reasons why you should buy real estate without a partner - you don't need joint venture partnerships to scale your real estate empire. From decision-making control to building your full net worth, he explains exactly how he and Mel built a 260+ unit portfolio across 5 countries, without partners and no shared equity.If you've ever been told:“You can only scale with joint ventures.”“You need a partner to qualify for deals.”“You can't do it alone.”This video will change your mindset — and your strategy.

Today on Money 911, I am so honored to welcome a guest who has literally reshaped the landscape of wealth building — Brad Blazar! Brad is the former CEO of a successful oil company and is now considered one of the world's foremost authorities on raising private capital. With over $2 billion raised, he mentors entrepreneurs and business owners globally, showing them how to attract high-net-worth investors, raise the money they need, and build unstoppable businesses. He's not just here to talk about numbers — Brad is here to awaken a new mindset in you, showing that you don't have to do it all alone and that the power of OPM — other people's money — can be the key to your next level of success. Learn more about your ad choices. Visit megaphone.fm/adchoices

Since regaining independence from the Soviet Union in 1991, Estonia has been intentional about harnessing technology to build a transparent and efficient government. And today, thanks to the country's digital-first approach and the E-Estonia initiative for government services, 100 percent of its government services are provided digitally. At last month's AITalks, Estonian Ambaassador to the U.S. Kristjan Prikk touched on his nation's digital foundation, how that has set Estonia up for successful adoption of AI and what lessons the U.S. can learn from the world leader in digital government. As the internet becomes overrun with AI slop and public trust in artificial intelligence plummets, a bipartisan group of senators want to enlist the Commerce Department in an education operation about the emerging technology. The Artificial Intelligence Public Awareness and Education Campaign Act would require the Commerce secretary to oversee an initiative to provide Americans with information about the benefits of AI in their daily lives, as well as the risks the technology presents. Sen. Todd Young, R-Ind., a co-sponsor of the bill, said in a statement that “With the rapid increase of AI in our society, it is important that individuals can both clearly recognize the technology and understand how to maximize the use of it in their daily lives.” The campaign would detail the ubiquity of AI in everyday life and highlight its benefits, including for small business owners and in workforce opportunities with the federal government. It would also note the different ways in which various regions, economies and subpopulations may interact with the technology, while making clear “the rights of an individual under law with respect” to AI. The Office of Personnel Management abruptly canceled a sole-source contract for HR services from Workday on Friday, roughly a week after it was awarded. Despite its initial justification describing the agency's urgent need for services only Workday could provide, OPM clawed back the justification and terminated the $342,200 award “for convenience.” The agency didn't respond to FedScoop's request for comment for further information about why the contract was canceled, including whether it planned to hold a competition for the award or whether not having the services quickly would impact the agency's upcoming modernization deadlines. In its original justification, OPM said that the sole-source award — those made to a single company without a bidding process — was needed “due to an urgent confluence of operational failures and binding federal mandates that require immediate action.” The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Sam Primm grew up in St. Louis, MO, in a hardworking family with an engineer father and a teacher mother. Following the traditional path, he earned his degree and secured a stable corporate job in his hometown. While the role provided financial stability, its high-pressure demands and long hours highlighted its limitations and drained his energy. Determined to break free from the constraints of the corporate world, Sam turned to real estate as a way to build a different kind of future. The early years were filled with challenges, including failed ventures and hard-learned lessons. However, through persistence and a focus on continuous improvement, Sam developed strategies that worked. Over the next nine years, he built a real estate empire, acquiring $45 million in assets, flipping over 1,000 properties, and managing 150+ single-family rentals—all without using his own money. Sam's success in real estate inspired him to help others achieve similar results. He founded FasterFreedom, a platform designed to teach aspiring investors how to quit their jobs and create wealth through real estate. By sharing practical, up-to-date strategies based on his own experience, Sam equips his students with the tools and knowledge they need to succeed in today's market. Through his work, Sam has become a trusted mentor and resource for anyone looking to break free from traditional career paths and achieve financial independence. During the show we discussed: The mission of FasterFreedom and their target audience. Initial steps to take when getting started in real estate investing. How much capital is needed to begin investing in real estate. How to identify the best markets or neighborhoods for investment. Common strategies for financing real estate deals without personal funds. Ethical and effective ways to leverage other people's money (OPM). Key differences between wholesaling, flipping, and buy-and-hold strategies. Strategies for scaling from a single property to a large real estate portfolio. Deciding when to reinvest profits versus diversifying into other investments. Important metrics to evaluate the potential success of a property. Common mistakes made by new real estate investors and how to avoid them. Approaches to handling setbacks like failed deals or unexpected expenses. Major risks in real estate investing and ways to mitigate them. Resources:  https://www.fasterfreedom.com/  

Not everyone assumes that life after high school automatically entails immediate enrollment in college. Many teens graduate ready to pursue a more practical education. Amy and Mike invited education market researcher Brady Colby to explain the implications of enrolling in a trade school. What are five things you will learn in this episode? What exactly is a trade school?  What are recent trends for trade schools? Why might trade schools be getting more popular?  How should parents or guidance advisors incorporate trades into post-high school planning?  Are the rise of trade schools a threat to so-called traditional higher ed schools and opportunities? MEET OUR GUEST Brady Colby is the head of market research at Validated Insights, which is a higher education marketing firm. Brady was the founder of Thirty Two EDU, which was acquired by Validated Insights in 2023. Brady and his team of higher education experts publish monthly reports on different sectors affecting higher education including quarterly OPM market reports, and quarterly trade school market reports. They have also recently published reports on the MBA Market. Brady can be reached at https://www.linkedin.com/in/bradycolby/. LINKS Trade School Market Insights Trade School Enrollment Surges Post-Pandemic, Outpacing Traditional Universities Gallup-Lumina State of Higher Education Why These Gen Zers Are Ditching College Degrees For Blue-Collar Careers RELATED EPISODES PATHWAY PLANNING FOR HIGH SCHOOLERS HOW TO GUARANTEE CAREER SUCCESS AFTER COLLEGE TRACKING COLLEGE AND CAREER READINESS ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, feel free to get in touch through our contact page.  

In this conversation, Josh Nielsen, founder and CEO of ZenCaster, shares his journey from software developer to entrepreneur in the podcasting space. He discusses the evolution of podcasting technology, the challenges faced in building ZenCaster, and the importance of monetization strategies for podcasters. The conversation also touches on the impact of COVID-19 on the business and the growth pains experienced along the way. In this conversation, the speakers delve into the journey of transitioning from a developer to a business leader, the importance of co-founders, and the challenges of fundraising. They discuss the dynamics of hiring the right talent, the evolution of their podcasting platform, and the strategic decisions made to scale the business effectively. The conversation highlights the significance of adaptability, continuous learning, and the necessity of building a strong team to achieve success in the competitive landscape of entrepreneurship.takeawaysJosh Nielsen is the founder and CEO of ZenCaster.ZenCaster was born out of a need for better remote podcast recording.The technology for podcasting has evolved significantly over the years.Podcasters face many challenges beyond just recording, including monetization and audience growth.ZenCaster aims to provide a comprehensive toolchain for podcasters.The importance of curiosity in identifying market needs.COVID-19 accelerated the growth of remote recording solutions.Hiring a co-founder helped alleviate the challenges of solo entrepreneurship.Understanding customer feedback is crucial for product development.The journey of building a startup involves navigating many unexpected challenges. Raising money involves taking risks but can lead to significant rewards.Finding product-market fit is crucial for business success.Transitioning from a developer to a leader requires a shift in mindset.Leadership challenges can be mitigated by hiring skilled individuals.Fundraising is simpler when you have undeniable growth metrics.COVID-19 created unexpected opportunities for business growth.Building a comprehensive solution for users is essential for scaling.Hiring the right talent can significantly impact business growth.Cutting corners is sometimes necessary in the early stages of development.Continuous learning and adaptation are key to long-term success.Timestamps: 00:00 Introduction and Background00:30 Origin of ZenCastr04:05 Realizing the Potential in Podcasting06:23 Lessons Learned from Building ZenCastr09:19 Monetization and Growth11:38 Expanding ZenCastr's Services12:14 Monetization Options for Small Podcasters13:44 Building a Podcast Network for Everyone15:13 Using Growth Algorithms to Grow Podcasts20:48 Expansion into Show Growth and Cross Promotion23:21 Growing Pains and Hiring a Co-Founder25:46 Lessons Learned and the Importance of Co-Founders29:23 Transitioning from Developer to Business Leader30:32 Transitioning from Solo Operation to Leading a Company35:24 Fundraising and Making Decisions38:14 Scaling the Business and the Need for Funding41:35 Tech Stack and Building the Platform48:29 Hiring and Building the Team51:08 Transitioning from Programming to Leadership54:08 Staying Engaged with Programming55:04 How to Connect with Josh-Credits:Hosted by Michael Smith and Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM  The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggscast.com@eggshow on twitter and instagramOn iTunes: itun.es/i6dX3pCOnStitcher: bit.ly/eggs_on_stitcherAlso available on Google Play Music!Mike "DJ Ontic":Shows and info:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠djontic.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@djontic on twitterRyan Roghaar:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rogha.ar

Government Accountability Office auditors are examining the “digital footprint” left by DOGE in Treasury Department, Social Security Administration and Office of Personnel Management IT systems, the watchdog's leader told Congress on Tuesday. Testifying before the Senate Appropriations Legislative Branch Subcommittee, Comptroller General Gene Dodaro said GAO auditors are looking into what data was accessed by the Elon Musk underlings during their forays into agency IT systems, and determining if any changes were made. “We're looking at the digital footprint within each of these major systems across government,” Dodaro said, naming OPM, SSA and Treasury specifically. “So we'll have a better idea about what impact DOGE's access has had on the data systems, and whether there's been any information input into the system or taken out of the system.” The General Services Administration unveiled a new initiative Tuesday that it says is aimed at helping agencies gain easier access to IT tools and shifting how the federal government approaches procurement. The OneGov Strategy is meant to modernize how the government buys goods and services and calls for more direct engagement with Original Equipment Manufacturers. The GSA said in a press release that OEMs “will benefit from a more direct and predictable engagement model.” Taxpayers, meanwhile, will benefit from a “smarter, more secure federal IT enterprise” under the strategy, the GSA said. While agencies have, in the past, bought software through resellers, the GSA believes this approach prioritizes direct relationships for enhanced outcomes. Stephen Ehikian, the agency's acting administrator, called the OneGov Strategy “a bold step forward” in GSA's “mission to be responsible stewards of taxpayer dollars. It's about acting as one — aligning to our scale, standards and security to meet the needs of today's government while prepping for the future.” The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Unlock the Wealth-Building Secrets of Real Estate Investing! Learn how strategic real estate investing can dramatically transform your financial future. Discover the Revolutionary "5 Ways You Get Paid" Strategy, updated for today's times: Appreciation: Turn a 5% property value increase into a potential 20% return Cash Flow: Generate steady monthly income from tenants Return on Amortization (ROA): Let tenants build your equity for you Tax Benefits: Enjoy generous government incentives for providing housing Inflation-Profiting: Transform economic challenges into your personal wealth generator  Key Highlights: Potential 38% first-year return on investment No special certification or license required Ethical wealth-building using other people's money Proven strategy for creating generational wealth Simple, accessible investment approach for ordinary people Your wealth-building journey starts today! Share the wealth by sharing this episode with a friend. Free Resources: Connect with a free GRE investment coach at GREinvestmentcoach.com Download the infographic gift summarizing the five ways real estate pays here. Show Notes: GetRichEducation.com/550 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach 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, real estate pays five ways updated for today's times, even with conservative assumptions, watch your total return from real estate climb to great heights today. You'll understand what billionaire real estate investors don't understand a new free audio course today on get rich education.    Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Belgrade, Serbia to Bellingham, Washington and across 180 nations worldwide. I'm Keith weinholder. You are back inside get rich education. Today you're going to understand real estate investing really well, probably better than anyone that you know, in less than an hour. Now, before I begin investing in real estate, I seriously wondered how in the world it could possibly be a lucrative investment vehicle. I mean, like, how would that even work? Because you've got this physical structure where elements wear down the outside, tenants wear down the inside, and the whole thing only appreciates it about 5% a year. Yawn. That is really boring. Well, later I would start to put the pieces together. And actually didn't really understand leverage in cash flow until after I had bought my first rental property, I became the person, however, to coin the real estate pays five ways concept, and I discussed that years ago on the show here, and now I have updated it for today's times. So the principles remain the same, but the numbers are different. That's because today, cash flows are lower and interest rates are higher than they were five and 10 years ago. So let's see what total rate of return we come up with today, and just how we get there. And on the way, you'll see even more evidence of why compound interest does not build wealth, and getting your money to work for you doesn't build wealth either. And to say that is total heresy. In a lot of financial circles, you'll clearly see how real estate has really made more ordinary people wealthy than anything else. This is course level instruction, and you're getting it all free right here today as part of one of our weekly episodes. This will help you retire earlier than you ever imagined, or just find the time for yourself to become the best version of yourself. Now, for long time, listeners, I've got to tell you first, much of today is going to sound like a review, but I've got a really surprising twist at the end here, in the fifth of five ways that you're paid, I also have a free gift to give to you and to all listeners today. And this is not in any way, replay of old material. It's not AI generated. It never is. It is me talking to you updated for today's times. And this is we're about to get started. This is just with simple buy in hold real estate. So you don't even have to be a house flipper or a wholesaler or a landlord, and you can just use normal 30 year mortgage loans. And as we see, it doesn't even take a ton of money. These are fundamental wealth building attributes that lay people don't understand and will change your life. I mean, more than 95% of real estate investors don't even understand what I'm about to share. We're going to calculate your rate of return from each of the five ways we'll calculate, then your cumulative return on investment until it builds up and culminates. In your total return at the end today, and I'll tell you anything less than a 20 to 25% total return in this buy and hold real estate is actually disappointing, and you don't even need to take on inordinate risk. But you'll see the exact percentage that we get up to today, and how it gets even higher than 20 to 25% I mean, this is how real estate creates Young Money and old money and Fast Money and slow money, and gives you access to other people's money. Ethically, all of that, we have some new listeners dropping by today. So if you're new here, I'm Keith Weinhold, get rich education founder, Forbes real estate council member, best selling author, and long time real estate investor, also an incomprehensibly slack jawed and snaggletooth to podcaster. But see here in the audio only, you only have to hear the slack jaw, but video platforms where you'll find me and this course on YouTube and rumble, oh, through a disaster, because you both hear my slack jaw and have to see my snaggletooth. It's dreadful.    Getting back to the course here, you know, school did little to teach you and I about the most important things in life, like nutrition or relationships or money. And you know what drives most divorces? Can you guess what it is? I mean, it's not arguments over trigonometri or English grammar or the periodic table of the elements. No, it's money problems. Well, the financial education in this course, it's gonna help you solve that as much as anything you need to take on the mindset of how you must unlearn what you've learned before you can believe something else.    We're gonna use this same simple example of a $200,000 income property throughout the course a rental, single family home. Yes, you can still find many of these, and it's with a rent paying tenant. Now, if you want to think bigger than a 200k property, no problem. Say you want a $20 million apartment building, you can just multiply everything by 100 because we're talking about ratios today. Say that when you buy this property, your down payment and closing costs have you putting in 25% All right? So you've now got 50k invested on this 200k property.    Well, in the first of five ways you're paid appreciation is what it's called. Well, historically, real estate appreciates at about 5% per year. All right, see your 200k Income Property appreciates to 210k There's your 5% yawn, boring. That might only be about the real rate of inflation. That's what most people think. But look at what you just did there already. You just did something amazing. You already benefited from a force greater than compound interest. You just created compound leverage, and most people don't even know it, because your return is far greater than the 5% total appreciation your return on investment is your gain, which is 10k divided by the amount that you have invested, which is 50k because that's all that you put into this. You just got a 20% return from only the first of five ways you're paid appreciation. And now, if you're scratching your head wondering how that just happened, how did 5% return go to 20% no worries, I will slow it down. And this course never gets more complicated than this, you achieved a 5% return on both your 50k invested and the 150k that you borrowed from the bank. See the return on the bank's money doesn't go to the bank, it goes to you all while the tenant pays the interest on the mortgage loan. We'll get to that part later for you, this could be your first moment of epiphany in this course, a light bulb moment. Yes, today you'll get more light bulb moments than Thomas Edison. That is the magic of leverage. It's so simple ethically use other people's money, but most people are only getting compound interest, a return on their money, only not theirs and others like they could have great so where does appreciation come from? What is its source? Supply versus demand for real estate an area's wage growth, population growth, a region's infrastructure improvements contribute to this. The shrinking availability of developable. Land and more. Now what if real estate prices go down? You're covered. That will be addressed shortly. Here we are just scratching the surface. You're starting to figure out why wealthy people's money either starts out in real estate or ends up in real estate. And the thing is, is you can do this the same simple way that I did when I began as a real estate investor. You don't need any degree or certification or real estate license in order to do this. Real Estate pays five ways.    Now that you know about the first appreciation, leveraged appreciation in real estate's case will carry forward your 20% gain and add it onto the second of five ways you're paid, cash flow. For many, this is the most important one. One way for you to think about this second way cash flow is that it's the recurring income from your tenant that shows up, whether you had any involvement with the property that month or not. That's why this is passive income most months. This one is the most liquid of the five ways, because it pays you cash every month, and therefore you can immediately either reinvest it or just spend it and increase your standard of living. This is effectively your salary increase plan. Yes, it's the opposite of a 401 k, which is a salary reduction plan, which actually was an early name of 401 K plans, since this income is sourced by your tenant rent payment, minus the property expenses. Your Cash Flow is sourced by jobs, because that's how your tenant gets their rent payment that they pay you, and this is why I like larger metro areas, your market selection is more important than your property. That's a huge lesson right there, because it's about the durability of this cash flow. All right, we're about to run the numbers and see what your rate of return from passive cash flow is. Let's do it. We'll build on our example of your ownership of a 200k income property with your 50k down payment. All right, on the 200k rental single family home, say that your rent is $1,500 a month. That is therefore $18,000 of annual rent income. But then you need to deduct out your expenses, and you do have a lot of them. They are your mortgage and your operating expenses, like I've shared with you before. The easy way to remember those operating expenses is with the acronym VIMTUM, vacancy, insurance, maintenance, taxes, utilities and management, and paying that manager is what keeps this mostly passive for you. So to be clear, your rent income minus your mortgage in VIMTUM operating expenses equals your cash flow. You can kind of think of that as your rent overflow. Okay, here we go. Say you figure that from your 18k of annual rent income that you need to pay out 15k worth of annual expenses, that leaves you with $3,000 of cash flow, or so you thought, but you have a freak plumbing problem that creates a bill of 1000 bucks. However, you have property insurance, but say your insurance deductible is $1,000 so you've just got to come and pay out of pocket for your managers, plumber to fix it, and now the $3,000 of annual cash flow you thought you'd have only leaves you with $2,000 somewhat of a thin cash flow. Then that's a higher maintenance expense than you had previously forecast in your pretty looking pro forma projection. That often goes wrong, because something stupid often happens out of the blue in real estate investing, all right, well, with your $2,000 of cash flow, which is passive income, that's divided by your same 50k invested that gives you a return of 4% from the second of five ways you're paid. That number is what's known is the cash on cash return. You thought it would be 6% but we're being conservative. The Freak plumbing problem made it just 4% add this to the 20% from leverage depreciation in the first video, and you now have an accumulated 24% total rate of return from this income property already, and we still got three ways to go. We're just gonna keep piling onto this return in the next three ways you're paid. How high is this going to go? And you know what's interesting with this? Luke. Conservative math adding up your lofty return. It's actually conservative as we proceed, you'll note that I'm using simplification and rounding you're going to see me round down more than round up. To keep this conservative and real estate math is simple. It's just add, subtract, multiply or divide. There's nothing complex, no trigonometri or calculus or exponents. This is easy. You just have to know what numbers to use, and that's what you're learning and reinforcing today.    Now here's a weird scenario. Imagine if you had a stranger out there funding a bank account for you, making monthly contributions into this illiquid savings account. I mean, does that sound too good to be true? Nope. It exists. The third of five ways that real estate pays is exactly why this is real, as this free audio course, real estate pays five ways continues for you. Real estate has so many ROIs returns on investment that one of the five is called an Roa. That's the third way you're paid. And none of this material is new or esoteric or avant garde. It's always been out there. There's just been no one else that's put it together before this, most people were never taught how to build real estate wealth in the real world. And what's insane about this third of five ways you're paid is that now you're probably already getting paid more ways than you ever have. I mean, instead, what is most people's investing experience, it's in stocks, bonds, mutual funds, ETFs, gold or Bitcoin. I mean, that's where you're typically only paid one way, capital appreciation, if you even get that, and maybe a second way is if you have a dividend paying stock. But I mean, that's all you've got. One way, maybe two. If you want to build wealth, you've got to give your money multiple jobs. That's exactly what we're doing here. ROA stands for your return on amortization this third way you're paid is the monthly principal pay down portion of your mortgage. That's your return. So we're going to add your ROA to the 24% total return that we've accumulated so far. And now you might think you already have experience with an ROA if you have a mortgage on your own home, your primary residence, but no, not actually, because in your own home each month, a portion of your mortgage payment goes toward principal pay down and the rest of pay interest, but all you did in your primary residence is you went and you had to work to earn money all month. All you did at the end of that month was move that money from your cash pocket over to your equity pocket when that mortgage payment gets made. So that's merely a transfer of funds, but with income property, your tenant earned that cash that month to pay your mortgage principal payment, and we'll tally that up in a moment. On top of the principal, they pay your entire interest payment, plus your tenant pays you a little on top of that each month called cash flow, which was the second way you're paid. So yes, your tenant is going to work for you. If your tenants rent payment is a third of their income, they're working close to 10 days a month just for you, just to pay your rent. I mean, that is amazing. If you add properties with rent paying tenants like this. It's sort of like you have all these employees out there working for you, and yet you don't have to manage them at work. It is amazing this third of five ways focuses on that return on amortization, and the etymology of the word amortize that comes from the old French meaning death. And that makes sense, your tenant is slowly killing off your mortgage balance for you over time. So let's do this. Let's add up your ROA, all right, we're using this same example where you got a 150k loan on your 200k rental, single family home. Let's say that you got a 7% interest rate on a 30 year fixed rate mortgage, so just the plain everyday loan. Just look up any amortization calculator, enter those numbers in there, and you'll see that in year one, your tenant pays down over $1,500 of your income properties mortgage balance for you, let's round it down to just 1500 bucks, because it could have been some vacancy in there as well. Your ROA is simply this year, one principal pay down divided by your amount invested again, that is 1500 bucks divided by your 50k Of down payment and closing costs that you have in the property your skin in the game. And this is another 3% return for you. That's your Roa. I mean, you are beginning to really build wealth now. This is somewhat of a hidden wealth generator that a lot of investors never consider. Many of them are aware of this, though, it's like your tenant is funding an ill, liquid savings account that has your name on it. We'll add this 3% ROA to the tally of a 24% cumulative return that we figured from the first two ways. Yes, you are now up to a 27% total rate of return from appreciation, cash flow, your ROA, and we still have two of the five ways to discuss. We're just gonna keep piling onto your return. What is the source of your Roa? This 3% it is jobs again, your tenants income. If interest rates fall and you refinance, you'll get an even higher annual chunk of tenant made principal pay down, even with the initial loan kept in place this 7% mortgage note, how in future years, your amount of 10 it made principal pay down. Only keeps increasing over time. But we're only talking about year one in this whole example. We're going to carry forward your 27% total rate of return so far into the next one as this real estate pays five ways. Audio course will continue here in Episode 550 of the get rich education podcast, yeah, even the episode number has some fives in it as we roll on, breaking down just how the five ways build wealth more after the break, I'm your host, Keith Weinhold, this is get rich education.   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. Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group and MLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaley Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com That's ridgelendinggroup.com.   Speaker 2  23:45   This is Ridge lending group's president, Caeli Ridge listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream.   Keith Weinhold  24:10   Welcome back to get rich Education. I'm your host. Keith Weinhold, as we continue with the real estate pays five ways audio course, before the break, we're rolling forward a 27% total ROI from the first three ways that you're simultaneously paid. Again, nothing complicated, just with a piece of buy and hold real estate that you purchase carefully. You don't have to do any renovations. You don't have to be a landlord. This is how you're going to build forever wealth, legacy wealth, if you don't come from money now, money can come from you. This can shake up your entire family tree. After today, you'll have a concrete plan. I don't come from wealth. I build it myself, and I'm laying out the architecture of how I did. Just that in a simple way for you, the fourth of five ways you're paid is that real estate investors are rewarded with a generous basket of tax benefits from the government because you are doing what the government wants. You're providing others with housing. Informed people know that if you spend money on certain things like solar panels for your home or education expenses, you get a tax break for spending that money. Well, with real estate, you don't even need to spend any money to get a tax break every single year. Incredibly, you get the tax deduction anyway. It's easy. Let's do it here. And you know, it's time to make something crystallized for you. And this can rock your world and even induce some disbelief. Some people say, don't get your money. Get your money to work for you. We've all heard that. Here is the heterodox. Here is the paradigm shift. If you want to build wealth, don't get your money to work for you. Outside of this show, I bet you have never heard that iconoclastic stance your best and highest use as an investor is not to get your money to work for you. It's making other people's money work for you. OPM, now, you probably heard that before as well, but I've got a twist on that. But see if you want to build wealth, do you think you'd have to both think and act differently than the masses? I mean, yes, you certainly do, but this is your differentiator, even multi decade billionaire real estate investors don't realize what I'm about to share with you forever. Wealth is built. Early Retirement, wealth is built. Your standard of living is indelibly elevated beyond what you ever thought possible because you are ethically using other people's money three ways at the same time, the bank's money for leverage in the loan, which we covered in the first way, you're paid the tenants money for cash flow and loan pay down, which we covered in videos two and three. And now here you are using the government's money for generous tax benefits at scale, which we're covering in this fourth of five ways you're using other people's money, three ways at the same time within this, this is why you're building wealth. And of course, this does not mean you're exploiting people by using their money, just the opposite. You're doing good in the world. Provide people with housing that's clean, safe, affordable and functional. Do that, and you'll be profitable in the long term and never get called a slum lord. Rental property income is generally taxed at ordinary income tax rates, but you don't have to pay tax on all of your rental income. The tax deductions are generous from rental property, you can deduct out your mortgage interest and your operating expenses, which I will not cover in our example. You also get a depreciation deduction. We'll look at that one closely, and when you sell, you can endlessly defer your capital gains tax so you never have to pay it all of your life, all right. Well, what does this really mean? If you buy a rental property for 200k and after a bunch of years you sell it for 500k your capital gain was 300k in most investments, you need to pay capital gains tax of at least 15% on this you would take a $45,000 tax hit. But with real estate, when you sell if you generally replace it with a property of equal or greater value, your capital gains tax is zero, absolutely zero. Now, rental property taxes are somewhat complicated, and I am not a CPA, I'm giving general guidance. I'm not going to get into things like your adjusted basis and other details. In fact, I'm not even going to consider this benefit of deferred capital gains tax in tallying up your rate of return. So instead, let's only look at your return from the tax depreciation portion of your full basket of tax benefits. It's going to keep things simple, and it'll also keep our example more conservative. Yes, even though your 200k rental property in our example tends to appreciate in value, the government says you can get a tax break because they say that the property wears out over 27 and a half years. That's just what the IRS guideline is. This only applies to rental property. There's no depreciation deduction on a primary residence. Let's do it on your 200k property, you can only depreciate the structures value called the improvement, not the land portion. We'll say that your structure or house's value is 150k and the land is 50k even the IRS knows that land doesn't wear out, only the structure. Divide your 150k structure value by 27.5 Yep. Pretty weird, arbitrary number, but that's how long the IRS says it takes to wear out. That gives you $5,454 that's how much you can depreciate or shelter from taxes if you're in the 24% tax bracket, that's $1,309 in tax savings for you. Divide that by how much you have invested in this 200k property. Again, that was 50k when you made the down payment and closing costs. This is a 2.6% return. Let's keep being conservative and round that down to 2% there it is our number from the fourth of five ways you're paid. We are layering on another 2% return. Now, can you really call a tax break part of your return? Is that fair? Should that be considered? Yes, it is, in this case of tax depreciation, because you did not even have to incur an expense in order to get that deduction, that's why some people call it the magic of depreciation. Usually, to get a tax break, like I was saying earlier, you have to make an out of pocket expense, like pay for fees to attend a conference or buy solar panels or pay automobile expenses. But you don't have to do that here, so the 2% rate of return for your tax benefit is even more conservative when you realize that we also are not digging into how this piece of real estate can also make you eligible for other tax benefits like a qualified business income deduction, a cost segregation and bonus depreciation. And for simplicity, we're not going to go run examples on different marginal tax brackets, and there are income thresholds and other thresholds, whether you're married or single. And of course, we are excluding that erstwhile capital gains tax that you can legally duck out of to collect all the tax benefits without me having to get deeply involved. At the end of each year, my property manager just sends my property's financials directly to my bookkeeper. And yes, I know we've got some CPAs listening to this right now thinking that 2% that is much too low of a return from your basket of tax benefits, but that is all we're going to use. We're going to add this to the ROIs that we accumulated from leverage appreciation at 20% in the first way, cash flow at 4% in the second way, and an ROA of 3% in the third way, plus this 2% from tax benefits here in the fourth way, here we are up to a 29% first year total ROI from your 200k single family income property that you so wisely purchased. Now you know how to use other people's money three ways at the same time again, the banks, the tenants, and with these tax breaks the governments.    Let's move on to the fifth of five ways. Add up your total rate of return, and then I'll give you some more important takeaways to give this context, and I'm going to give you your free gift. Your fifth way is your second biggest profit center, and most real estate investors don't even know that it exists, you're going to profit from something that actually makes most people poorer. So we're going to take our 29% add the fifth way to it, and it's going to culminate in your total number. The fifth way is called inflation profiting. Remember, it's not inflation hedging. Real Estate bought the right way is not an inflation hedge. Hedging is defensive, meaning that you break even from inflation, but no instead, you're actually profiting from inflation. That's different. This is offensive. Now a conventional financial advisor. You know, they're often out there selling investment products that tout something like a 10% rate of return. You know, synonymous with a return from the s, p5, 100. Ask your financial advisor about the five drags on that return. It's 10% minus inflation, emotion, taxes, fees and volatility, and your adjusted return is often less than zero. Just look at their track record. Stocks and mutual funds don't make anyone wealthy. They might just preserve wealth if you already have it strategically bought. Real estate has hegemony over all the other. Set classes precisely because it pays five ways. Either you can be a conformer or you can build wealth. If you want to escape financial mediocrity, you can't run with the herd. You need to get into a lot of good debt. It sounds scary until you realize that debt is tied to a carefully selected income property, meaning your entire debt payments are therefore reliably outsourced to tenants. DEBT, TAXES and inflation are three forces that make most people poorer. It makes most people poorer because they either don't have the resources, or they don't have the know how to arrange their financial life. They don't have any strategy. Well, today, you're learning how to make these three forces, DEBT, TAXES, inflation, those three wealthier with the Debase purchasing power of the dollar. You know most people, they see the price of a new car that goes from 50k to 60k or that their favorite Subway sandwich goes from nine bucks to 10 bucks, and then they just kind of hope that their salary keeps up. You know, that's sort of the average experience with inflation. Now, you and I, we would not save by stashing a million bucks under the mattress, because 3% inflation would de base its purchasing power by 30k every single year. That's why we do the opposite of saving. We borrow. For every million you borrow, we'll every year say that with inflation, your wage, salary, rent, income, all go higher by 3% now it gets easier to pay back your million dollar loan all while the tenant pays the interest, and you're profiting 30k each year. So after one year, you only owe the bank back 970k and inflation adjusted dollars and 940k after year two, and 910k after year three, inflation debases savings and debt at the same rate, so borrow instead of Save and see, this is the reason why the top selling financial author of all time, Robert Kiyosaki, a frequent guest on our show here, he says, savers are losers, debtors are winners. In an inflationary world, don't be a saver. Be a savvy debtor, because in the future, you can count on more inflation. See, the government needs inflation to occur. The easiest way for the US to repay its 10s of trillions of dollars in debt is to just keep printing lots of dollars, and that process debases every dollar that you're currently holding on to. Who cares about your debt when both tenants and inflation are just relentlessly paying it down for you? That is if you're doing real estate right, which means buying an income producing property with a loan. That's the whole formula here. That's all we're doing, buying a rental property with a loan. But when you understand how inflation both pumps up your real estate value and simultaneously debases your debt, it turns your world upside down, you almost become this inflation cheerleader, because inflation is now good for you, as this audio course is now covering the fifth of five ways you're paid. Please understand some risk still exists. You could buy in the wrong market, hire the wrong property manager, or just buy the wrong property no matter what, you're going to have some inevitable problems along the way, like that plumbing problem I mentioned earlier in the second of five ways you're paid over leverage is a risk over leverage means that you take on so much debt that you can't make the monthly payments so you can still lose money. But from listening today, you vastly increase your chances of being profitable, and that's why we say that carefully bought real estate has the best risk adjusted return. Here we go, following through with our example across all five ways on your 200k income property that you made a 50k down payment on, that is therefore a $150,000 loan that you took out at a 3% inflation rate each year, your debt is then being debased by $4,500 this is a quiet, hidden wealth generator that most investors don't even know about. $4,500 of inflation profiting divided by your same 50k down payment means that you have another 9% rate of return. Wow, a 9% rate of return that you're getting that most investors don't even know about. I mean, in the conventional financial world, I mean, they're proud to offer you a nine. Percent mutual fund return over time, and they advertise that as something good here by putting a down payment on a rental property. This 9% is another sweetener that no one even notices, and that gets added on to everything else. It's just incredible. Yes, 9% now, in the past, I used to think this return was just the inflation rate that we're using here, 3% but see, this is leveraged as well a 9% return from inflation profiting. And like I mentioned, uh, towards the beginning of the show, this is the twist for a long time get rich education. Podcast listener, see 3% that would merely be a hedge. So add this 9% to the 29% running total in the first four ways, and there you have it, an astounding 38% total rate of return from the five ways that real estate pays 38% I mean, you are really understanding why wealthy people's money either starts out or ends up in real estate, and that you don't have to be wealthy to start everything we discussed there was in year one. I mean, if someone asks you why you're investing in real estate, you can just hold up five fingers and share this episode with them. I mean, this says it all, and we could have surely come up with a higher number than 38% if you had used a 20% down payment instead of 25 then you'd have more leverage, and your total ROI would be in the mid 40s percent, and we really handled the tax portion conservatively. Here another reason your return could be higher, this was with a 7% mortgage rate and a pretty modest 4% cash on cash return as well. Yes, your total ROI is 38% now after year one returns fall over time due to the accumulation of equity in your property, so the denominator for the calculation is larger. You got 38% in year one, perhaps year two is 31% and year three is 24% but you can really see how you're getting ahead of the world in three years like that in other episodes of the show. Here, I do talk about how to limit the return attrition through refinancing and some other techniques, but these are amazing rates of return, compounding evidence that compound leverage blows away compound interest, and again, it's DEBT, TAXES and inflation that are making you wealthy. How you should know by now the formula is really simple. Just buy an income producing property with an everyday 30 year loan, even if real estate values fall, you can get paid for other ways and still have a positive return. Real estate values have always bounced back even after 2008 and see if the property is temporarily suppressed in value, you're going to have little concern with wanting to sell it when tenants are still paying you a monthly income during that time. Very few veteran real estate investors understand the five ways. Most real estate educators don't understand this either, but now you do, and to get this 38% total ROI again at times I simplified throughout I mean, your real world return is likely going to be different. It's going to be higher or lower than 38% probably. But now you know about a vehicle for actually creating durable wealth, and I would like to think that what you learned today is the most complete yet still concise way of understanding how a real estate investor gets paid. You gotta know this. This is the motivation for wanting to do this in the first place.    And hey, if you like what I've shared so far, I'd love to ask you for something, and then I have more important things to tell you and give you your free gift. As I made this course free. Hey, if you would please just share the wealth. Share this episode with a friend. I'm sure you know somebody that would benefit from this. It's really a big aha moment when you finally know how it all goes together. If you subscribe to our newsletter, you were already sent the video version of this course here in just the past couple weeks that's going to help you see how all the numbers go together. And the video course was also released free on YouTube, so if you're listening to this within a few weeks or months of the episodes release, it's still easy to find on our get rich education YouTube channel and four. Finally, in order to make this actionable and actually profit from what you learned, you can just copy me and buy properties from where I buy them at GRE marketplace, that's where there are properties conducive to the five ways you're paid. It probably does take about a minimum, oh, of a 35k to 55k down payment in order to get started. Properties are either new build or renovated. Tenants are in place. There's a property management solution, if you like, and optionally, our free investment coaching service there learns your goals, then helps match you with the right areas and properties and hey, I'm happy to tell you and announce that you can now connect directly with our completely free investment coaching service at GREinvestment coach.com, yes, this is a new URL to make it easier for you to connect with a GRE investment coach. Yeah, I kind of thought that was a good one, huh? How do you connect with a free GRE investment coach? Well, at GREinvestment coach.com I've got a free gift for you. Everything that we discussed in this course today was distilled down into one colorful infographic that we designed and laid out here so you can view it, download it, or even print it out on one eight and a half by 11 inch sheet of paper. Yeah, my team and I went back and forth on this infographic for quite a few rounds to make it just right. I like how it looks, and I've never known anyone else to do this all the ways real estate pays concisely onto one sheet of paper. The link for that infographic gift is in the show notes for this episode at get rich education.com/ 550 since this is episode 550 get it at getrice education.com/ 550 Yeah, the infographic gift is a memento of this course and the time that we spent together today. Think of it as your diploma, and it's a diploma that doesn't come with 12 years of student loan payments either. Yes, it is just a piece of paper, but is it worth more than the piece of paper known as your bachelor's degree or your MBA? I don't know. You can be the judge. So congrats, graduate. Now you know how real estate makes ordinary people wealthy, but learning this today really doesn't benefit you if you don't find the right property in the right market with a property manager. If you so choose a property manager, you've got to take action. You usually want to start small, including with investor advantage, single family rentals for as little as 200k just like our example, some cost even less. We will help you do just that, and do it for free with our coaching book a time and get it on the calendar at GREinvestmentcoach.com that's GREinvestmentcoach.com    I'm get rich education's Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. I'll see you next week. Don't quit your daydream.   Speaker 3  48:25   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  48:49   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours, my self, it's got a dash of humor, and it's to the point, because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by your home for wealth, building, get rich, education.com.  

In this conversation, Brett McCollum and Bethany LaFlam discuss the intricacies of scaling real estate investments using other people's money (OPM). Bethany shares her journey from law to real estate syndication, emphasizing the importance of legal compliance and effective communication with investors. They explore the challenges posed by market shifts and the necessity of maintaining transparency with investors. Bethany also introduces her subscription-based model for legal services and her new book, 'The Power of OPE,' which focuses on leveraging other people's resources for business growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Can you really profit from real estate without owning a single property? Kris Krohn says yes, and in this episode, he shares the exact strategy he's used to acquire hundreds of deals without putting them in his name. Learn how to build wealth while protecting yourself legally and financially using key tools like OPC, OPM, and LLCs. If you're ready to play the game differently, this episode breaks down how to do it with minimal risk and maximum reward.

Have high interest rates and home prices affected your ability to buy cash-flowing real estate deals? If you're struggling to find properties that pencil out, you don't want to miss this episode. If there's anyone who can teach you how to find great deals, even in this housing market, it's today's guest. He wrote the book on it! Welcome back to the Real Estate Rookie podcast! Today, we're joined by fellow investor, On the Market co-host, and author of Real Estate Deal Maker, Henry Washington. Given today's difficult market conditions, is Henry pivoting to another investing strategy? Nope! He's sticking to “boring,” single-family and multifamily properties that he either rents out to tenants or flips for a profit. But he is changing how he analyzes deals, and he'll show YOU how to do the same in today's episode! Stay tuned if you want to know how to buy your first or next rental property in 2025. Henry will show you the four-step approach he uses to find undervalued deals today and how to buy discounted properties from builders looking to move old inventory. But that's not all. You'll also learn how to fund these deals using small local banks, retirement accounts, and other people's money (OPM)! In This Episode We Cover: The four-step “shotgun” approach to finding real estate deals in today's market Why the way you analyze deals must evolve (even if your strategy doesn't!) Creative ways to source “undervalued,” off-market real estate deals in any market How to fund your next property by leveraging your retirement accounts Buying discounted properties from builders looking to “offload” inventory How to get your spouse on board with your real estate investing goals And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook Follow Real Estate Rookie on Instagram Henry's Instagram Grab Henry's Book, “Real Estate Deal Maker” Sign Up for the Real Estate Rookie Newsletter Find Investor-Friendly Lenders 5 Ways to Find Off-Market Real Estate Deals Like a Pro (00:00) Intro (00:45) Breaking Into Real Estate (03:18) Funding His First Deal (08:48) Analyzing Deals in THIS Market (12:48) “Conservative” Underwriting 101 (22:18) How to Find Deals TODAY (29:57) Getting a Spouse on Board (37:34) Connect with Henry! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-543 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah Isgur and David French review the Trump administration's latest executive order targeting law firms, the legal challenge against the White House's invocation of the Alien Enemies Act, and the problems surrounding universal injunctions. The Agenda: —David's dangerous brush with nature —Trump's non-strategic executive orders against law firms —Can the courts review a proclamation invoking the Alien Enemies Act? —Is immigration an “invasion”? —OPM ain't got no standing —Sued for cracking, then sued for packing (in a redistricting case) —The 0-9 prediction on nondelegation case Show Notes: —Executive order against Jenner & Block —Executive order against WilmerHale Advisory Opinions is a production of The Dispatch, a digital media company covering politics, policy, and culture from a non-partisan, conservative perspective. To access all of The Dispatch's offerings, click here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday, March 28th, 2025Today, a Tufts University grad student was snatched off the street by unmarked cops wearing masks; Judge Reyes rejects the Pentagon's new guidance for banning transgender people from serving in the military; Trump has pulled his nomination of Elise Stefanik for UN ambassador; Kari Lake backs down in the legal fight to shutter Radio Free Europe; Judge Boasberg holds his first hearing in the Signalgate lawsuit filed by American Oversight; the US sent a married father with no criminal record to CECOT on a paperwork error; RFK Jr has announced massive cuts to Health and Human Services; the US is going to end vaccine funding for children in poor countries; Canada ends their Tesla rebate program as Trump hits auto manufacturers with tariffs; and Allison and Dana deliver your Good News.Guest:John FugelsangTell Me Everything — John FugelsangThe John Fugelsang PodcastSiriusXM ProgressThank You, Naked WinesTo get 6 bottles of wine for $39.99, head to nakedwines.com/DAILYBEANS and use code DAILYBEANS for both the code and password.Thank You, Fast Growing TreesGet 15% off your first purchase.  FastGrowingTrees.com/dailybeans.Stories:Turkish student at Tufts University detained, video shows masked people handcuffing her | AP NewsTrump administration backs down in legal fight to shutter Radio Free Europe | The IndependentRFK Jr. announces big cuts to Department of Health and Human Services | The Washington PostTrump to impose 25% tariff on all imported vehicles and foreign-made auto parts | NBC NewsFederal Court Rejects Another Trump Administration Attempt to Implement the Transgender Military Ban | GLAD LawU.S. to End Vaccine Funds for Poor Countries | The New York TimesU.S. sent Venezuelan man with pending political asylum case to El Salvador mega prison | Miami HeraldCanada bars Tesla from rebate program over Trump tariffs | The HillGood Trouble: Some might have noticed that the HR at OPM.gov email address had started kicking back five things you did last week emails because the inbox was full. This might be because of a targeted spam attack on the inbox. So in that spirit, we have another email address for you. osd.pr11@mail.mil#AltGov: the secret network of federal workers resisting Doge from the inside | Trump administration | The GuardianTrump and Musk are attempting an illegal power grab is a crisis we must stop. HandsOff2025.comTeslaTakedown — Join the March 29 GLOBAL DAY OF ACTION From The Good NewsThe Resizters - BandFind Your Representative | house.govSusan Crawford for Supreme CourtVolunteer Opportunities, Events, and Petitions · WisDems on MobilizeCluster of Craft - etsyReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, Twitter|@MuellerSheWrote, Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, BlueSky|@muellershewroteDana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

A single-family home could give you some extra cash flow, but what if there was a way to make six-figure returns from “rentals” that breathe new life into your town? Today, we'll share a rookie-friendly investing strategy that allows you to do just that, all while using very little (if any) of your own money! Welcome back to the Real Estate Rookie podcast! Katie Neason is a big believer in “investing where you're invested” and has built a real estate business that allows her to make huge returns while revitalizing her hometown of Bryan, Texas. Unlike normal real estate development, which involves new construction on raw land, redevelopment is the process of taking an area that was previously built on and giving it a new purpose. The best part about redevelopment? Your city might actually want you to do it—meaning you could get all kinds of grants and tax breaks to bring your vision to life! In this episode, Katie will give you a detailed walkthrough of her most recent deal, show you the perfect “gateway” redevelopment project for a new investor (step by step), and teach you how to get started with this strategy using other people's money (OPM)! In This Episode We Cover: Redevelopment explained (and why it's even better than new development) Making huge returns and revitalizing neighborhoods with the new BRRRR strategy The perfect “gateway” project into redevelopment for new investors How to fund a redevelopment project with little to no money A step-by-step walkthrough of Katie's most recent redevelopment deal How to determine whether your town or city is “developer-friendly” And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook Build-to-Sell Calculator Katie's Instagram Start Earning Passive Income from Rental Properties with Realbricks Grab the Book, “Raising Private Capital” Sign Up for the Real Estate Rookie Newsletter Find Investor-Friendly Lenders Urban Redevelopment & How to Capitalize on a Profitable Trend Katie's BiggerPockets Profile (00:00) Intro (00:59) What Is “Redevelopment”? (04:57) The “Gateway” Into Redevelopment (07:06) Next Steps for Rookies (16:13) How to Fund Your Project (21:41) Katie's Most Recent Deal (30:55) 4 Tips for New Investors (34:32) Connect with Katie! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-537 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you can't create cash flow in this housing market? Think again! Today's guest will introduce you to a strategy that can take a regular rental property and maximize its profits. It's allowed him to net $5,000 each month and quit his W2 job in just 18 months! Welcome back to the Real Estate Rookie podcast! Just two years ago, Andres Martinez was waiting tables and saving every penny possible for a house. But when he was told he still couldn't qualify for a mortgage, he turned his attention to wholesaling in order to learn more about real estate investing and make some extra money. Little did he know that he would soon stumble upon a strategy that would change his life and give him financial freedom—co-living! After buying a couple of properties, Andres quit his job to go all-in on this strategy. This move paid off, as he's been able to scale his real estate portfolio to five properties (soon to be six!) and over $5,000 in monthly cash flow. The best part? He's been able to buy all of his properties using other people's money (OPM), seller financing, and subject to deals. Stick around as Andres tells you all about his buy box, how he analyzes rental properties, and why co-living might just be the next big thing in 2025! In This Episode We Cover: Making $5,000 in monthly cash flow from five rental properties How Andres was able to quit his W2 job in 18 months with real estate The investing strategy that maximizes your rental property's profits Why co-living presents a huge opportunity for investors in 2025 and beyond The best real estate side hustles to fast-track your investing journey And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook PadSplit Andres' Instagram Buy the Book, “Wealth Without Cash” Sign Up for the Real Estate Rookie Newsletter Find Investor-Friendly Lenders Co-Living Units Are Helping Investors Generate Higher Returns—Here's What You Need to Know Connect with Andres (00:00) Intro (00:33) Hustling for a House (07:33) Co-Living 101 (11:40) “Testing” His Strategy (17:51) Andres' Current Portfolio (24:29) How to Find Properties (27:32) Quitting His W2 Job (31:25) $5,000 Monthly Cash Flow! (32:12) Connect with Andres! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-536 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Thursday, March 13th, 2025Today, Judge Beryl Howell has granted the law firm Perkins Coie a temporary restraining order blocking challenge sections of Trump's executive order; MSW media has partnered with national security counselors to file a FOIA request for the USAID destroyed document logs; House Republicans have passed a bill to fund the government, but Senate Democrats are divided; the Trump administration is still refusing to produce the head of OPM to testify under oath in court; a judge has blocked Trump's efforts to defund teacher training; Trump's OPM spokesperson posted fashion influencer videos from her government office; and Allison and Dana deliver your Good News.Thank You, AG1New subscribers, go to drinkAG1.com/dailybeans to get a FREE $76 Welcome Kit, bottle of D3K2 AND 5 free travel packs in your first box when you sign up.Stories:Senate Democrats insist on voting on 30-day government funding bill | The HillUSAID order to delete classified records sparks flurry of litigation | The HillUS judge temporarily halts Trump plan to cut hundreds of millions of dollars for teacher training | AP NewsLegal profession 'watching in horror,' judge says in blocking Trump order against Perkins Coie | ReutersTrump official tasked with defending DOGE cuts posted fashion influencer videos from her office | CNN PoliticsGood Trouble:DOGE Privacy Act Requests - Jamie Raskin for Congress From The Good NewsAsk an axolotl son | IGEnchanted Fredericksburg RanchEmpty Chair Town Hall 3/23/2025 4-6:00 PM.TeslaTakedown - Action NetworkReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, Twitter|@MuellerSheWrote, Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, BlueSky|@muellershewroteDana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

Tuesday, March 11th, 2025Today, a damning affidavit is filed in the lawsuit against Musk gaining access to the Social Security Administration systems; the Department of Homeland Security has begun polygraph tests to determine who is leaking to the press; the Trump administration is backtracking on forcing Maine parents to visit Social Security offices to register newborns; Trump's Department of Justice is allowing the assassination attempt rifle to be shipped to Florida for inspection by the alleged shooter's lawyers; the Trump administration begs the court to vacate the order forcing the head of OPM to testify under oath in open court; the Supreme Court takes up a challenge to Colorado's conversion therapy ban; Ontario, Canada has slapped a 25% tax increase on electricity exports to the United States; protests erupt after ICE illegally detains a Columbia University Palestinian protester; and Allison and Dana deliver your Good News.Thank You Helix20% Off Sitewide when you go to HelixSleep.com/dailybeansThank You PiqueGet 20% off on the Radiant Skin Duo, plus a FREE starter kit at Piquelife.com/dailybeansStories:Supreme Court takes up challenge to Colorado conversion therapy ban | NBC NewsJudge says Palestinian activist Mahmoud Khalil can't be deported from U.S. as protesters call for his release | NBC NewsOntario slaps 25% tax increase on electricity exports to US in response to Trump's trade war | AP NewsTrump Administration Backtracks On Forcing Maine Parents To Visit Social Security Offices To Register Newborns - Arthur Delaney | HuffPostDHS has begun performing polygraph tests on employees to find leakers - Julia Ainsley and Jonathan Allen | NBC NewsDefense lawyers in Trump assassination attempt case tour Trump golf course, examine rifle from FBI evidence - Scott MacFarlane | CBS News Good Trouble: Members of the House of Representatives AND the Senate will be back on your home turf beginning Saturday, March 15 through Sunday, March 23. Below is everything you need to know about why recess matters, our demands, and the top actions we're recommending to get their attention. If you're ready to join the fight, sign up for updates and ways to take action against the Trump-Musk coup and the Republican tax scam. https://indivisible.org/muskorus From The Good NewsHold On -  Matthew Schickele (official lyrics)Women's Sports Foundation and Women Sport InternationalLake Char­gogg­a­gogg­man­chaugg­a­gogg­chau­bun­a­gung­a­mauggReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, Twitter|@MuellerSheWrote, Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, BlueSky|@muellershewroteDana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

It's News Day Tuesday! Sam and Emma speak with Lindsey Boylan, former government official, to discuss Andrew Cuomo's recent announcement that he'll be running for Mayor of New York. First, they run through updates on Trump's trade war and the related economic turmoil, the GOP's impending government shutdown, the attempted deportation of Columbia University student Mahmoud Khalil, Ukraine's offensive on Moscow, Rubio's small ask to Ukraine (give up your land to Russia), the NIH's anti-vax pivot as RFK blames measles on nutrition, Trump's attacks on the ACA, SCOTUS' approach to conversion therapy bans, legal pushback to DOGE and OPM, and the dropping net work of Trump's billionaire backers, before expanding on the incredible showing in support of Mahmoud Khalil at Foley Square in NYC yesterday, contrasted with Long Island politician Bruce Blakeman attempt to push blatantly false, islamophobic conspiracy, with no evidence to back himself up. Lindsey Boylan then joins, first walking through her own background working former New York Governor Andrew Cuomo, beginning in 2016 and making her way up to a senior member of his team and special advisor, all while Cuomo consistently exercised his station to maintain a culture of sexual harrassment and exploitation, tackling her own experiences with Cuomo's sexual misconduct. After briefly jumping back to today to unpack the astonishing embrace of (or, at least, acquiesence to) Andrew Cuomo by New York politicians in the wake of his announced campaign for Mayor, Boylan, Sam, and Emma dive deep into the extensive investigations into Cuomo's administration by the city, state, and federal government, all of which confirmed a minimum of a dozen victims of Cuomo's abuses, and how the following suits from his victims – including both a woman younger than his daughters and the state trooper charged with taking a bullet for him – has resulted in Cuomo leveling $60 million of taxpayer money to harrass, demean, and discredit his accusers and their families. Lindsey ealso xplores Cuomo's still-existent path to victory in his fight against accountability, with Cuomo using America's refusal to address sexual harrassment beyond civil charges to further discredit these cases, while the campaign of lawfare and public harrassment continues with little-to-no pushback from the Democratic establishment, wrapping up by touching on the importance of leaving the former governor off of your fully-ranked ballot in the NYC primary this year. And in the Fun Half: Sam and Emma struggle to empathize with Elon Musk's multi-billion dollar losses and ongoing business struggles amid his attempted takeover of the US government, before watching Newsmax host Rob Schmitt attempt to defend Trump's economic turmoil. They also dive deep into Sam's appearance on Jubilee and the absurd attempts by the online right to reconcile the idiocracy of their movement, before watching RFK cuck himself to the Trump Administration hazing ritual as he digs into fast food and makes fun of dying turtles, plus, your calls and IMs! Follow Lindsey on Twitter here: https://x.com/LindseyBoylan Follow Lindsey on Instagram here: https://www.instagram.com/lindseyboylanny Follow Lindsey on BlueSky here: https://bsky.app/profile/lindseyboylan.bsky.social Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase! Check out today's sponsors: Prolon: To help you kickstart a health plan that truly works, Prolon is offering you 15% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Nutrition Program!  Just visit https://ProlonLife.com/MAJORITY—that's https://ProlonLife.com/MAJORITY—to claim your 15% discount and your bonus gift. Zippix Toothpicks: Make your lungs happy and try Zippix Nicotine Toothpicks. Ditch the cigarettes, ditch the vape and get some nicotine infused toothpicks at https://ZippixToothpicks.com today. Get 10% off your first order by using the code MAJORITY10 at checkout. Your lungs will be glad you did. MUST be 21 or older to order. Warning, nicotine is an addictive chemical. Zip more, smoke less; with Zippix Nicotine Toothpicks. Beautiful Day Granola: Beautiful Day is offering Free Shipping for all Majority Report listeners when you go to https://beautifuldayri.org and USE code MAJORITY (all caps) at Checkout until March 14th. Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @BradKAlsop Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder - https://majorityreportradio.com/ Follow Lindsey on Twitter here: https://x.com/LindseyBoylan Follow Lindsey on Instagram here: https://www.instagram.com/lindseyboylanny Follow Lindsey on BlueSky here: https://bsky.app/profile/lindseyboylan.bsky.social Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase! Check out today's sponsors: Prolon: To help you kickstart a health plan that truly works, Prolon is offering you 15% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Nutrition Program!  Just visit https://ProlonLife.com/MAJORITY—that's https://ProlonLife.com/MAJORITY—to claim your 15% discount and your bonus gift. Zippix Toothpicks: Make your lungs happy and try Zippix Nicotine Toothpicks. Ditch the cigarettes, ditch the vape and get some nicotine infused toothpicks at https://ZippixToothpicks.com today. Get 10% off your first order by using the code MAJORITY10 at checkout. Your lungs will be glad you did. MUST be 21 or older to order. Warning, nicotine is an addictive chemical. Zip more, smoke less; with Zippix Nicotine Toothpicks. Beautiful Day Granola: Beautiful Day is offering Free Shipping for all Majority Report listeners when you go to https://beautifuldayri.org and USE code MAJORITY (all caps) at Checkout until March 14th. Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @BradKAlsop Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder - https://majorityreportradio.com/

The BRRRR strategy is arguably the fastest way to build wealth with real estate. Just ask Leka Devatha, a Seattle-based investor. She's got ONE BRRRR property this year that could make her $600,000 in profit. And that's ONE home, not an apartment complex. So what is the BRRRR strategy, and why do so many investors write it off instead of trying it in 2025? Are they missing out? Absolutely! BRRRR stands for buy, rehab, rent, refinance, repeat. The basic formula is this: buy a house that needs some improvement, renovate the home (to a scale you're comfortable with), rent out the home to tenants now that it's fixed up, and refinance it. Now that the property is worth more, you may be able to get the bank to pay YOU back your initial down payment and renovation costs due to the increase in equity. Then…repeat until you're financially free. How do you pull off a BRRRR in 2025 with high interest rates, high home prices, and rising renovation costs? Dave and Leka are walking through their own BRRRR deals, showing you how to successfully BRRRR and do it without using ANY of your own money (seriously!). In This Episode We Cover: The BRRRR strategy explained and whether it still works in 2025 Leka's BRRRR deals making her up to $600K! The best property types for BRRRRing to get more cash flow, higher appreciation, and bigger returns  How to use other people's money (OPM) to fund your BRRRR investments  The “DADU” strategy that could skyrocket your home price with one savvy addition  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Apply to Be a BiggerPockets Podcast Guest! Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Save $100 on Real Estate's Biggest Event of the Year, BPCon2025 Grab the BRRRR Book Sign Up for the BiggerPocket Real Estate Newsletter Find Investor-Friendly Lenders What is the BRRRR Method & How to Use it to Invest in Real Estate Connect with Leka Connect with Dave (00:00) Intro (03:42) BRRRR Strategy Explained (05:38) How to Boost Home Value (08:47) BRRRRing with No Money (12:50) Using Other People's Money (15:39) Refinancing Your BRRRR (18:39) Real 2025 BRRRR Examples (23:03) Best BRRRR Property Types (26:08) The Secret to Finding Deals Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1091 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Hump Day! Sam and Emma speak with Adam Green, co-founder of the Progressive Change Campaign Committee (PCCC), to recap Trump's joint address to Congress from last night. Then, they're joined by Saikat Chakrabarti, candidate for Congress in California's 11th district, to give some updates on his campaign. First, Sam and Emma run through updates on Trump's speech to a joint session of Congress, Trump's attempted USAID shutdown, US aid to Ukraine, Blackrock's new move on Panama Canal, Trump's IRS cutdown, the firesale of federal properties, Trump v. judges, and OPM's mismanagement, before expanding on Democrats' varying protest tactics during Trump's speech last night, with a highlight on Rep. Al Green's message to get your hands off Medicaid. Adam Green then joins, jumping right into the complete fear of Democratic leadership to simply act, in any substantive manner, to stop or obstruct the Trump Administration, tackling leadership's seeming inability to understand the threat his regime poses to the future of democratic governance in the US, and unpacking what the productive work of Democratic representatives has looked like. After diving deep into Trump's insane breadth of Social Security lies that he fit into his joint session last night, and the direct contrasts we see between this ongoing fight and those under Bush (in 2005) and Obama (in 2013), Green also explores the strong disciplining force of Elon's legitimate threat to primary any Republican that goes against Trump, something very much reflected in Trump's own treatment of US allies. Next, Adam, Sam, and Emma parse through the ideal strategies moving forward, including emphasizing the GOP's departure from their voters' desires, the complete overstepping – both legally and financially – of Elon Musk, and the incredible devastation Trump's funding freeze and mass firings have had on our federal workers, wrapping up the interview by discussing a theoretical “progressive” version of the Laken Riley Act. Saikat Chakrabarti then walks Sam and Emma through the trajectory of his career in Democratic politics, beginning with Bernie in 2016 and helping to run AOC's campaign amid a push for a growing progressive movement, as he explores the mainstream Democratic Party's ongoing failure over the last decade to offer any transformative vision amid a rocketing cost of living, rampant inequality, and a growing fascist movement. After expanding on the parallels we see with the rise of fascism amid the inequality and crises of the 1930s, Chakrabarti looks to the modern day as he unpacks an ongoing push to expand the fight to unseat status-quo-oriented Democratic Leadership like Nancy Pelosi, and how we can support that effort! And in the Fun Half: Sam and Emma watch Trump and Chief Justice John Roberts shove the subtlety to the side as they celebrate their successful coup, reflect on Dan Bongino and Pete Hegseth's previous musings on the “leftist” investment firm Blackrock now that they're teaming up to take over the Panama Canal, and Josh in San Diego asks how to address the Democratic inclination to punch left. Tim Walz shows Democratic leadership how to set an agenda (and a narrative), Leftist Big Pharma Plus unpacks Trump's changes to the US healthcare apparatus and student debt, and Fox News solves the egg crisis (buy chickens, raise them at home). David from Spain on the recent evolution of fascism in the US and Spain, Ricky from San Diego on Chinese labor relations, and Mike from Colorado on messaging to mainstream Dems. The MR Crew also parses through Elisa Slotkin's telling Democratic response to Trump, lifting up noted proponents of democracy and liberalism, Ronald Reagan and George W. Bush, plus, your calls and IMs! 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