Podcasts about Passion

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

What if one of the most important political symbols in American evangelicalism isn't a campaign slogan, a policy platform, or a charismatic preacher, but a worship song? In this episode of the Straight White American Jesus Sunday Interview, host Leah Payne speaks with Religion News Service journalist Bob Smietana about his reporting on the unexpected political life of Chris Tomlin's worship anthem "How Great Is Our God." Over the past several years, the song has appeared everywhere from the Capitol Riots to ReAwaken America rallies and Sean Feucht events, to the memorial service for Charlie Kirk. Yet unlike overtly political songs such as "God Bless the USA," "How Great Is Our God" contains no explicit political message at all. So why has it become such a powerful soundtrack for conservative Christian activism? Drawing on his reporting for NPR's All Things Considered, and Payne's God Gave Rock and Roll to You: a History of Contemporary Christian Music, Smietana and Payne discuss the rise of “Christian Nashville-ism," the fusion of the worship music industry, suburban evangelical culture, celebrity influence, and political identity. Nashville's Christian music machine has produced a soundtrack so ubiquitous that it now functions as a kind of sacred common language across American Christianity. In an era of political polarization, worship songs provide emotional resonance, spiritual legitimacy, and a sense of collective identity that can easily travel into political spaces. Together, Payne and Smietana explore how contemporary worship music became one of the most influential forms of religious formation in American life. They discuss the rise of Chris Tomlin and the Passion movement, the mainstreaming of charismatic worship practices, the growing overlap between worship culture and conservative politics, and the role of suburban megachurches in shaping modern evangelical identity. The conversation also examines how Christian nationalism often operates less through overt ideology than through atmosphere, familiarity, nostalgia, and music. Why do songs matter so much in political movements? What happens when worship becomes a form of cultural power? And why has a seemingly apolitical worship song become one of the defining sounds of conservative evangelical America? In this episode: Why "How Great Is Our God" has become a fixture at conservative political events The relationship between worship music and conservative activism Nashville's role as a center of evangelical cultural power Chris Tomlin, the Passion movement, and the mainstreaming of charismatic worship How worship music became the dominant language of American Protestantism Charlie Kirk, Sean Feucht, and the politics of sacred music The rise of suburban megachurch culture and its political influence Why contemporary worship songs often succeed where political slogans fail "Comfort food Christian nationalism" and the power of familiarity The overlap between MAGA politics, evangelical identity, and worship culture Links: Bob Smietana's NPR article: “Why an Apolitical Worship Song Has Become Popular With Conservative Activists” Adam Perez: ““It's Your Breath in Our Lungs”: Sean Feucht's Praise and Worship Music Protests and the Theological Problem of Pandemic Response in the U.S.” Worship Leader Research Leah Payne's God Gave Rock and Roll to You: a History of Contemporary Christian Music Bob Smietana Official Website Bob Smietana at Religion News Service Bob Smietana's book, Reorganized Religion: The Reshaping of the American Church and Why It Matters: Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

Emily Schwarz, 22, and her husband Joseph Ferlazzo, 41, traveled to Bolton, Vermont in October 2021 to celebrate their one-year anniversary, but Emily never came home. Joseph shot her twice in the head using a red throw pillow to muffle the gunshots, dismembered her body, and spent days lying to family before a friend called 911. A Vermont jury convicted him of first-degree murder, sentencing him to 42.5 years to life. Get the full story on this episode of Crimes of Passion with Law&Crime's Sierra Gillespie. Learn more about your ad choices. Visit megaphone.fm/adchoices

The CPG Guys are joined in this episode by Chris Peterson, President, CEO & Board Member of Newell Brands, a major American global consumer and commercial products conglomerate. Headquartered in Atlanta, Georgia, the company manufactures, markets, and distributes over 50 well-known brands across three core segments: Home & Commercial Solutions, Learning & Development, and Outdoor & Recreation.This episode was recorded at Newell Brands headquarters in Atlanta.Follow Chris on LinkedIn at: https://www.linkedin.com/in/chris-peterson-488930114Follow Newell Brands online at: https://www.newellbrands.com/Chris answered these questions: Chris, at CAGNY, you spoke extensively about an enterprise AI program you internally call "Quantum Leap". You mentioned that in mid-2025, you shifted this from isolated use cases into a broader "how work gets done" workflow model. Can you talk to us about the genesis of Quantum Leap and what it looks like today?That scale is incredible, Chris. One thing that stood out to me during your recent Leadership Summit 2026 was your mention of 33 functional "navigators". It sounds like a massive cultural shift to build AI fluency across the enterprise. How do these navigators act as change agents inside their functions?Let's talk about the tangible outputs because the numbers you shared at CAGNY were staggering. You noted a 500% increase in AI-enabled digital content creation in 2025 versus 2024, entirely without any additional investment. How has AI accelerated your innovation pipeline from concept to launch?You can't run advanced AI without clean data, and Newell has done a massive amount of simplification. You've cut your active SKUs by over 80% and rationalized the brand portfolio from 80 down to just over 50 brands. By the fall of 2026, 95% of your global sales will be supported by a single instance of SAP. How critical is that ERP integration to feeding the Quantum Leap program?Chris, driving a transformation of this magnitude isn't just about technology; it's about the people executing it. Newell Brands has a very clear set of core values: Integrity, Teamwork, Passion for Winning, Ownership, and Leadership. As CEO, how do you lean on these principles to guide your 24,000 teammates around the world through such a massive operational and cultural shift?You've been driving a unified "One Newell" go-to-market model and consolidating what used to be five separate operating segments into just three. How does the value of "Teamwork"—which you define as "Succeeding Together"—play into breaking down those legacy silos?Thinking about the industry, how do you expect AI to impact shopping and agents to guide consumers? What's your advice to retail?Chris, this has been an absolute masterclass in enterprise AI adoption and operational leadership. What advice would you give others embarking on the AI journey?CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Passion in marriage isn't just physical — it's about giving your complete focus and best energy to your spouse every day. When you pursue them with that kind of intentionality, your whole relationship (including your sex life) transforms. _______________ We want your marriage to thrive! Learn more at http://xomarriage.com Dave and Ashley Willis spent thirteen years in full-time church ministry before devoting their work entirely toward the global mission of building stronger, Christ-centered marriages. Their marriage-related books, blogs, podcast, speaking events and media resources have reached millions of couples around the world making Dave and Ashley one of the most recognized and trusted couples in marriage ministry. Dave and Ashley partnered with XO Marriage in 2018. XO Marriage is the nation's largest marriage-focused ministry. The Willis family includes four sons and a rescue dog named "Chi Chi." When Dave and Ashley aren't writing and speaking, they love hanging out with their family, watching movies and going on long walks which is also where they develop many of their marriage ministry content ideas. Learn more about Dave & Ashley at daveandashley.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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Friday Follow Along Holy Rosary - Sorrowful Mysteries - SPOKEN MALE VOICE with inspired visuals and music Prayerful visuals and peaceful music accompany your prayer space as we ask the Blessed Mary to hear our intentions and intercede for us alongside this visual rosary. This rosary contains the sorrowful mysteries, recited on Tuesdays and Fridays  These mysteries focus on Christ's Passion and death, with fruits like sorrow for sin and patience. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - SORROWFUL FRIDAY - SPOKEN ONLY https://youtu.be/fZE1UwFbRE0 MOST VIEWED FRIDAY ROSARY: Calm Music    https://youtu.be/tcryvk5IlmY MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome All music in this video is licensed thru Epidemic Sound Publishing. Visual artwork created with MidJourney. Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simple, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature a variety of calm background music and nature soundscapes.   Choose from audio only or follow along videos with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  A short or long version rosary before sleep, while sleeping or at any time of the day will bring you renewed focus and peace.  For every mood, you can journey deeper and pray a rosary today on YouTube. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #SorrowfulMysteries #CatholicMeditation #FridayRosary #todayrosary #todayrosaryinenglish  

A three-year-old boy. Yellow t-shirt. Alone in a pediatric cancer ward in Uganda. His family had just dropped him off and left. That moment wasn't a business plan. It wasn't a strategy. It was a calling. And from it, Letha Sandison built a cause-based clothing line to fund chemotherapy for kids before cause-based brands even existed. Then she came home and built a wellness community rooted in the same question: how can I be of service? Letha Sandison is the founder of Four Moons Spa in Encinitas, California, a wellness sanctuary built on belonging, community, and values-led entrepreneurship.  In this conversation, she and George trace her journey from Uganda to California, from nonprofit to wellness playground, and unpack what it actually looks like to build a business and a life by following what genuinely calls you. What You'll Learn In This Episode: How a single moment in a Ugandan cancer ward became the foundation of a career Why a strong enough "why" is what carries you through when entrepreneurship stops feeling good What living in Uganda taught Letha about community, gratitude, and perspective The "onion days and strawberry days" framework for navigating hardship How values function as a living operating system, not words on a wall Why collaboration over competition is her best business decision How to sit with setbacks before rushing to fix them The three pillars George distills from the conversation: why, service, and community Key Takeaways: ✔️Following curiosity and passion isn't naive, it's a navigational system. The businesses that last are built on something that calls you, not something that's trending. ✔️Your why has to create an emotion, not just a logical statement. If you can't feel it, it won't carry you through the hard parts. ✔️Service isn't a marketing angle. It's the reason Letha's businesses have lasted across continents and decades. ✔️Onion days are real. You don't shift them by pretending they aren't hard. You sit in them, feel them fully, and make decisions from the other side. ✔️Values are only as real as how you use them. They live in decisions, product choices, team conversations, and what you choose not to do. ✔️Community is not a nice-to-have. It's a survival mechanism: in Uganda, in business, and in life. ✔️Perspective is the difference between your prison and your power. It doesn't mean you smile through hard things. It means you choose how you operate inside of them. ✔️Revenue is a byproduct. It always comes after an equal sign. Focus on who you're serving and the math takes care of itself. ✔️Misalignment is the number one reason businesses fail past a decade. The fix isn't more strategy, it's more honesty about your why, your service, and your community. Timestamps & Highlights: [00:00] — The moment that started everything: a three-year-old boy in a yellow t-shirt [01:18] — Welcome and intro: Letha Sandison, Renaissance entrepreneur [03:45] — Following passion and curiosity when there's no obvious path [06:07] — Why entrepreneurship gets real fast and what carries you through [07:51] — Starting in Uganda: personal savings, boots on the ground, and finding the gap [09:51] — Building a cause-based clothing line before cause-based brands existed [11:24] — The through line: why and service as the foundation of everything [13:06] — Coming home to smartphones and disconnection and deciding to build community [20:00] — Values as a living system: how Four Moons makes decisions [24:32] — Collaboration over competition and the local women's business group [33:59] — What Africa changed: perspective on hardship, community, and gratitude [38:23] — Onion days and strawberry days explained [42:07] — How to earn more strawberry days through perspective [44:33] — How to handle setbacks: sit with the feeling before reaching for the fix [49:10] — George's recovery speed story and entrepreneurship as a muscle [51:53] — The stat: misalignment is the number one reason businesses fail [52:22] — The three-question litmus test for every entrepreneur [54:12] — Letha's soul tattoo: follow curiosity and passion look ridiculous, take the risk [55:35] — How to find and visit Four Moons Spa + where to connect Connect with Letha Letha Sandison is an entrepreneur, humanitarian, and founder of Four Moons Spa, a wellness sanctuary in Encinitas, California rooted in belonging and community. Before opening the award-winning spa, she founded Wrap Up Africa, a nonprofit in Uganda supporting pediatric cancer patients through a cause-based clothing line. She has been featured at TEDx, the Clinton Global Initiative, and the Livestrong Global Cancer Summit. Website: fourmoonsspa.com   Facebook: https://www.facebook.com/fourmoonsspa Instagram: instagram.com/lethasandison | https://www.instagram.com/fourmoonsspa/ Your Challenge This Week: If any of this landed, send Letha a message and tell her what moved you. She's newly on Instagram and building, your note matters more than you know. If you're ever within three hours of Encinitas, California, Four Moons Spa belongs on your list. Follow George: @itsgeorgebryant | mindofgeorge.com The Alliance — Community for entrepreneurs building from why, service, and real connection.  1:1 Coaching — Limited spots.  Live Retreats — In-person experiences for entrepreneurs ready to realign. Follow for upcoming dates.

In Episode 496 of the Reformed Brotherhood, Tony Arsenal and Jesse Schwamb open with a rich discussion on the theology of congregational singing — including the Trinity Psalter Hymnal, the Getty's Sing!, and why psalm-singing belongs at the heart of Christian worship. The main event, however, is the first installment of their study of the Parable of the Talents (Matthew 25:14–30). Tony and Jesse argue that this parable is widely misread as a lesson in personal productivity or spiritual gift deployment, when in fact its center of gravity is entirely eschatological and theological: the wicked servant's failure is not financial incompetence — it is a catastrophic misunderstanding of who the master is, and therefore, who he himself is as a servant of that master. Key Takeaways The parable is eschatological, not motivational. Situated in Matthew 25 as the second of three eschatological parables in the Olivet Discourse, the Parable of the Talents answers the disciples' question about the sign of Christ's coming — not a general lesson about using your abilities for God. "Talents" refers to an enormous monetary sum, not personal giftedness. A single talent represented roughly 20 years of a laborer's wages. Even the least-endowed servant received an immense, unearned gift — which makes the wicked servant's inaction all the more indefensible. The wicked servant's problem is theological, not financial. He doesn't bury the talent out of ignorance or fear alone — he actively mischaracterizes the master as exploitative and unjust. His failure is a failure of theology: he does not know who his master is. The commendation "Well done, good and faithful servant" is the basic reward of every believer, not a tiered prize for the most productive. The five-talent and two-talent servants receive identical commendations, suggesting the measure is proportional faithfulness, not absolute output. Faithful stewardship is active, not passive. Both faithful servants are marked by immediacy and energetic engagement. The parable does not explain how they doubled their talents because the mechanics are not the point — their disposition of active, risk-taking faithfulness is. The parable resists works-righteousness readings. Whether one is Augustine or an anonymous deathbed convert, every justified believer enters into the same joy of the master. The parable is not a theology of graduated heavenly rewards but a distinction between those who understand their master and those who do not. The talents represent the stewardship of the Gospel and the Kingdom itself. The master entrusting his servants with his property is a picture of Christ entrusting the church with the message of salvation — ownership remains with the master, the servants are stewards, not proprietors. Key Concepts The Wicked Servant's Problem Is Who He Thinks the Master Is The most common misreading of this parable locates the wicked servant's failure in laziness or timidity — he was simply too afraid to act. But Tony Arsenal argues compellingly that the servant's own words expose something far more serious. He says, "I knew you to be a hard man, reaping where you did not sow." This is not a confession of fear; it is an accusation. The servant has constructed a theology of his master as an exploitative, unjust overseer who doesn't deserve a return. What he catastrophically misses is that the very possession of 20 years' worth of wages — an unearned, unimaginable gift — is the master sowing into him. His refusal to act is, at its root, a refusal to acknowledge the master's generosity and authority. This is the parable's most penetrating theological edge. "Well Done" Is for Every Believer, Not Just the Most Productive One of the episode's most pastorally significant observations is Tony's argument that the commendation "Well done, good and faithful servant — enter into the joy of your master" is not reserved for spiritual high-achievers. Because the five-talent and two-talent servants receive word-for-word identical commendations despite wildly different absolute returns, the logical entailment is that the one-talent servant, had he been faithful, would have received the same words. This means the commendation is not calibrated to productivity — it is the basic inheritance of every believer who enters glory. The soul-winner and the deathbed convert, Augustine and the unknown faithful, all hear the same welcome. The parable is therefore not teaching a graduated hierarchy of heavenly reward, but a binary distinction: those who know their master and act accordingly, and those who do not. The Parable Cannot Be Detached from Its Eschatological Context Jesse Schwamb is careful to anchor the parable in its literary and theological context: this is the second of three eschatological parables in Matthew 25, all part of the Olivet Discourse, all delivered in direct response to the disciples' question about the sign of Christ's return and the end of the age. Detaching the Parable of the Talents from that frame — and reading it instead as a general productivity principle or a theology of spiritual gifts — drains it of what Jesse calls its "gravity." The master going away and returning after a long time is a direct image of the ascended Christ and his parousia. The servants' task during the interval is not self-improvement or career stewardship — it is watchful, active discipleship in the time between the first and second comings. Everything in the parable, including the staggering sums of money, is calibrated to that eschatological frame. Memorable Quotes The real difference is that the former servants understood that their master had trusted them with a task and expected something of them, and the unfaithful, wicked, lazy servant had a total misunderstanding of who the master was — and therefore what his role as the master's servant was. That's the point of this parable. — Tony Arsenal Well done, good and faithful servant — that's not a special commendation that only the most amazing Christian servants get. That's the basic commendation that every Christian who enters into glory will receive. Whether you have been the most productive soul-winner in the world... you're going to receive the same commendation as the person who dies, and on their deathbed the last thing that they think is, 'I trust Jesus.' — Tony Arsenal God's measure of faithfulness is proportional, not absolute. The two-talent servant is not judged by the five-talent standard. He is judged by what he received. — Jesse Schwamb Full Transcript [00:00:08] Tony Arsenal: that's not a special commendation that only the most amazing Christian servants get, right? That's the basic commendation that every Christian who enters into glory will receive. Whether you have been the most productive soul-winner in the world, whether you are the most, you know, the most sanctified Christian who's ever lived, whether you are, the most amazing person and millions of people have come to faith because of your ministry, you're going to receive the same commendation as the person who dies, and on their deathbed the last thing that they think is, I trust Jesus." Right. And they've produced no converts, no ministry, and maybe no one even knows that they were justified, because in their final moments before the lights went out, they trusted in Jesus, right? They hear the same well done, good and faithful servant when they enter into glory. Welcome to episode 496 of the Reformed Brotherhood. I'm Jesse.  And I'm Tony, and this is the podcast with ears to hear. Hey, brother.  [00:01:19] Jesse Schwamb: Hey, brother.  [00:01:21] Parable Teaser [00:01:21] Jesse Schwamb: You know, the parables just keep coming for us, like we've said. And on this episode, to, just to tee it up, to whet everybody's appetites, we've got three servants, one absent master, an uncomfortable amount of money. What could go wrong? Yeah. As it turns out, quite a bit, especially if you're the kind of person who responds to divine generosity by finding the nearest shovel. So we're gonna get to all of that in this, what I call, this now sandwich of eschatological parables or teachings of Jesus in Matthew 25. So hopefully you're curious, hopefully you're stoked. But you can go put your thumb right in the scriptures there, because you're gonna meet us there very, very, very, very shortly. But first we got business. It's always the business we must do, the part of the podcast where we affirm with something or deny against something. And as always, I'm really curious what you have, and now I understand you have a list, or you're keeping a list. So- I do ... never again will there be something like that falls to the cutting room floor, brothers and sisters. Tony is always gonna have for us whatever was- ... what came to his brilliant mind as an affirmation or denial at any point, day or night.  [00:02:29] Tony Arsenal: Yeah. Yeah. Do you, Jesse, do you ever have... I know the answer to this question is going to be yes- Yeah. That's good ... but I'm gonna ask it- All right ... mostly for rhetorical effect here. This is good podcasting.  [00:02:38] Psalm 67B Praise [00:02:38] Tony Arsenal: Do you have, do you have those situations where, like, the, the so- a song hits you, and it's just, like, the right combination of words, but also the right combination of, like, musicality?  [00:02:49] Jesse Schwamb: For sure.  [00:02:50] Tony Arsenal: Where it just, like, it just, it just feels- For sure like, right and good in every part of your being. So- All the time, yep ... I, I'm affirming, um, th- this is like the most Presbyterian thing ever. I'm affirming the, the arrangement in the Trinity, uh, psalter hymnal for Psalm 67B. Now, I'm not gonna try to sing it for you, but I wanna read the words, because obviously it's, it's a paraphrase of a psalm. So, like, that's the first thing. Like, people, like, calm down. Like, it's okay to sing paraphrases. It's okay to sing. No one is actually singing the Hebrew psalms. Right. Amen. So, like, just calm down a little bit. Amen. Uh, there is a place for us to dedicate specific focus to psalms and songs that are from the psalms, but that can be something like Better Is One Day. Like, that's a song from a psalm. Anyway, that's a whole different, that's a whole different thing. Yes, I'm affirming psalm singing. Uh, yes, I'm denying overly rigid understandings of what that is. But here's the words for Psalm 67, Setting B. That's important It's, "O God, show mercy to us and bless us with your grace and cause to shine upon us the brightness of your face, so that the whole world over may truly know your way and so that your salvation all nations see displayed. O God, let peoples praise you. Let all the peoples praise. Let nations come rejoicing and songs of gladness rise, raise." Then, um, stanza two, "For you will judge the peoples with perfect equity. To nations of the whole Earth a governor you'll be. O God, let the peoples praise you. Let all the peoples praise. The Earth has brought its bounty throughout its harvest days.  [00:04:24] Why Sing Psalms [00:04:24] Tony Arsenal: Since God our God will bless us, yes, God will blessing send, that all the Earth may fear Him to its remotest end." Now, there are lots of really great, uh, theologically sound, edifying hymns and worship choruses, but there's just something about the Psalms, right? It's inspired- Um- ... it's perfect. Again, like I said, nobody is singing the actual Hebrew Psalms, or even, I shouldn't say nobody, most people are not singing, like, the Psalms from the ESV, right? These are almost all paraphrases. They're, they're translations. But there's just something about the Psalms that I have grown so much to appreciate since joining a Presbyterian church. That's not to say other traditions don't sing Psalms in their own right, and again, like, we would sing Better Is One Day and other songs that were based on Psalms. Um, even, like, real direct translations or real direct versions of Psalms, like Better Is One Day or Create In Me A Clean Heart, there's all sorts of them. But there's just something about singing the Psalms, and this particular musical setting, it's triumphant, but not in the, like, fanfare kind of triumphant. Do you know what I mean, Jesse? Like- Mm-hmm ... it's, it's a triumphant melody, and it has, like, really interesting rises and falls and... So I, I'm gonna probably try to put this at the end of the episode. So listen. Hopefully I'll get the whole thing. Let me just, let me just do this. Hold on a second. It's just gorgeous. It's just beautiful. So I, I, I don't know what it was this morning. Uh, it's, I wasn't, like, promo- particularly emotional. It didn't, like, make me cry. Yeah. But all of that's fine. Like, I've been brought to tears in worship before, and that's, that's all good and well. There was just something about it that resonated, and I was like, "This is just good." Like, this is just good music. It's good singing. Something about hearing, uh, the whole congregation singing together. Like, it was just beautiful. It was just a beautiful moment. So if you are not in a psalm-singing church, first of all, why aren't you in a psalm-singing church? Uh, no worship leader on Earth, no, no person who is worth... Uh, when I say worship leader, I mean the person who's responsible for leading musical worship. No one who's leading worshipful music, worshipful? Worship music, if you approach them and say, "I would like to sing more songs that are based on the Psalms," if they say, "We don't wanna sing Psalms here," then you just go somewhere else. Like, someone who tells you, like, "We don't wanna s- we don't wanna sing God's Word," that doesn't make any sense to me.  [00:06:56] Jesse Schwamb: Right.  [00:06:56] Tony Arsenal: Um, now again, like, there's a way to do it. Sometimes musically they're challenging, especially if you're singing out of something like the hymnal. But again, there are plenty of really good modern style songs and hymn style songs that are either based on the Psalms or are paraphrases, very similar to what you get in the, in the Trinity Psalter Hymnal. Or most, most people who are leading in musical worship are competent enough to just sort of take the sheet music and figure out how to do it on guitar or figure out how to play it on piano. Um, they're not that difficult. So you will be edified if you do this. Your church will be edified. There's probably a lot of people out there responsible for musical worship that actually would really like to do this, and they're kind of probably, like, just waiting for that nudge, so you may even be benefiting them. But yeah, this, this psalm is beautiful. It's just a gorgeous arrangement, and it's, it's perfect, inspired words. Really was a, just a, a balm to my soul this morning.  [00:07:51] Jesse Schwamb: I love it. And o- of course, a lot of that is still happening, which is such a glorious gift to the church. The couple of times that I've had the privilege of writing music for my own church has been right from the scriptures, and for me recently that was, like, Ephesians 1 and Psalm 16. And that's mainly because, like, as a lyricist, I'm not that creative, and I'd rather go direct to the source. And all those end up being a paraphrase, like you said, anyway. Es- especially if you wanna get turn of phrase or if you wanna have a little bit of rhyming, which is always a beautiful thing. I love the Psalter, and my, my hot take on that is I sometimes find that I like, I don't wanna call them, like, the alternate, but, like, the other secondary arrangements-  Yeah and  lyrics better. I don't know why. I don't think that's purposeful, of course. It's probably just my taste. But I always find them to be, like, super fire. I, I don't know why. The, the B and C versions always kinda grab me, especially if... And here's another thing that I appreciate about the Psalter, as you know, is sometimes those B or C versions will be written in an alternate key or a minor key. Yeah. And that's even more awesome, because there's not a lot of, let's say, like, cla- I don't wanna say classic. Classic slash contemporary, uh, Christian music or wors- quote-unquote worship music that's written in minor keys. But it's good to lament, as we've talked about before. So- Yeah ... you're gonna get that full breath and scope in the Psalter there. [00:09:06] Tony Arsenal: Yeah.  [00:09:07] Beyond Music Styles [00:09:07] Tony Arsenal: A- and, you know, maybe let me put in one more little plug here. Um- I am not one of those people that is gonna say that there's like a particular style of music that's more godly than another. I've heard people try to make arguments that there's like certain kinds of rhythms or certain kinds of like beats that are- Right either, either more godly or somehow demonic or less godly. Um, I think there might be an argument to be made that some styles of worship are not suited well for congregational singing, so they may not be appropriate for like a, a congregational worship service. Like, you're probably not gonna go in and do a lot of hip hop and have the congregation be able to like stick with you. Right. That doesn't mean that you can't worship God through that or that it somehow is less like intrinsically beautiful. But, um, there are a lot of Let me just put it this way. In modern contemporary Western Christianity, uh, there's a lot of songs that are basically just the same thing musically. You know, you'll find, um, if you go to, like, YouTube, and, and maybe, like, be careful, 'cause sometimes some of these are, they're funny but they're a little bit crass. But if you look up, like, a video about how, like, every song is Pachel Bell's Canon. Right. Right? Every song follows the same basic arrangement of chords, and this gets even more pronounced when you're talking about modern worship music or contemporary mu- worship music, because it's designed to be able to be very simple and very easily played. Um, a lot of times worship directors are not super classically trained. Um, you think of, like, the youth pastor with the guitar around the campfire. Like, those kinds of songs have to be easy, 'cause they're not, like, classically trained guitar players. They probably picked up a chord book and figured out how to play a couple easy songs like Jesus, Lover of My Soul and things like that. That's how I learned how to play guitar. That's the extent of my skills, so I'm not, I'm not banging on that person. Um, but there are a lot, there's a lot more to music. Um, there's a lot more to singing, and there's a lot more to choral music than, you know, GCDC kind of like worship courses. Uh, and singing something like the Psalter, or even just singing out of a good hymnal- Right will actually expand your musical horizons. And there's something to be said about the creativity of our God being reflected in the creativity of His people that I do think we miss out on when we are locked into really simplistic worship styles. Um, again, like, I interpret Psalms, hymns, and spiritual songs to mean, like, sing in the vernacular of the people. Um, and I, you know, that's a different episode. We can talk about that sometime. But th- that, that requires the songs to be singable, and I think sometimes, uh, sometimes some of the song- some of the Psalters, some of the songs in the Psalter hymnals, and sometimes hymnals in general, are very difficult to sing. And so I think a congregation, the people leading in music need to be thoughtful of that. But I think you would do well to, like, open your horizons a little bit to something a little bit more challenging and a little bit off the beaten path. Like, this melody, I don't know the chords behind it. It may not be anything crazy, but that, like, musicality and that, that sort of, like, melody is not a typical... And this might be why it resonated with me. It's not a typical kind of melody you're gonna find in contemporary music. Um, it's, it's very different. It's older. It's more classically styled. The, it's, it's meant to sort of bring you up to these crescendos in ways that modern music is not necessarily. So enough about that. I don't know a lot about music theory, so I might be totally wrong and, and- ... people might be rolling their eyes. But I, I do think that there's something to it. Like, a lot of the older hymns- utilize chord progressions and melodies and harmonies and things like that that we're just not used to. You're not gonna get that listening to, you know, even something like, like the more musical kind, uh, more technically proficient music like something like Bethel or Hillsong, which is at times musically very good. Uh, I don't know that I would recommend listening to it, but the music is actually, like, technically very good in some instances. Uh, even there you're not gonna find a lot of this stuff. So instead of going there for, like, really nice sounding musical worship, just go to something like the Trinity Psalter app. You know, for $10 on a- on your iPhone you can sing with it. Um, yeah, enough about that. I, I, I could talk about how great the Psalms are and how great psalm singing is for an entire episode. We should do that episode- We should ... when we're done with the parables, 'cause I know we've done a lot of episodes on, like, uh, on, on, like, the regulative principle and- Right I, I think we're still both in the same spot that, like- Right ... exclusive psalmody is probably not where we would land. Right. But I think I'm coming to the conviction that the psalms should have a much greater portion of our worship diet, uh- Hmm ... than they do in most churches. Um, and I really only came to that conviction when I was in a church where psalm singing was the norm. Uh, I know that we try to have at least one s- one canonical psalm for every single worship service. Usually there's multiple, but, um, even in a, a, a setting where we normally wouldn't be so focused on that, we still try to have at least one, and it's been a, a really huge edifying thing to my soul.  [00:14:06] Jesse Schwamb: Yeah. I absolutely love that. You'll find no complaint from me on that. I think that that's a good reminder for all of us.  [00:14:13] Tony Arsenal: Yeah.  [00:14:14] Book Sing Recommendation [00:14:14] Tony Arsenal: Jesse, what do you have?  [00:14:15] Jesse Schwamb: Well, it's, we're not gonna stop this conversation, just so you know. Because we don't sync up on these things ever, but it just so happens that I'm affirming with a book that it's a really simple primer on congregational singing-  There you go that has  long been on my list and overdue to read, and I am coming in hot with a recommendation for this, and that is the book entitled Sing! How Worship Transforms Your Life, Family, and Church by Keith and Kristyn Getty. And really, it covers so many of the things that you already talked about. I, I think at the foremost, it's a reminder that God cares whether in what we sing, but he does not mind how well we sing. Yes. But it is, like, the, this... What's true is that our voices might not be of a professional standard, but they are of a confessional standard. Yeah. And so it is incumbent upon every Christian to sing. And if you need just, like, a little bit of inspiration, so to speak, or a reminder of why that's important, I highly commend this book to you. In fact, in the back they have what's called, like, these bonus tracks. It's like four or five separate chapters that they've written just to particular people in the church, pastors, laypeople, musicians, even the people that help produce the sound. I found that bit to be so lovely and pastoral. It, it's gentle, the tone is encouraging, but it is also strong, and I appreciate that. So a lot of it is some of the themes that we've just talked about, but my conviction grows all the time of just how important congregational singing is, and how everything you just said, the music, the liturgy that we bring forward- has to be of a deliberate kind to strengthen that exercise, to make it easy, so to speak. And that does come into practical things like if you look at the psalter, and I, I don't... I have it on my phone, but I don't know where my phone is, so I was gonna look at the one you were referencing. My guess is it's, it's in probably a key with a couple of sharps in it, because those are the ones that are easiest to sing. So even little things like that matter. What you hear on the radio often is, or radio? People still listen to the radio? What you hear, like, in, like, contemporary music, like, often is not necessarily for congregational singing just in its key, and, and that's okay. And so even in my own church, we transpose things to make it reasonable and approachable. But what I think was, like, the critical question put forward in this book that I absolutely loved as a great reminder was: how did the congregation sing? It's very interesting that they kind of bring forward this thesis that that's how you should be judging your music. How did the congregation sing? And I think if we started asking that, it might slightly tweak or maybe change altogether, to your point, the methods and the practices that we use when we undergo worship by way or through music. So this is really great. It's easily readable, and it's for everybody, and it, there's a chapter on family worship as well, how to bring singing into your home and music into your home all the time as an act of worship so that when you get to the Lord's Day, your kids are like, "Yeah, this is our jam." Uh, especially maybe even recognizing some of the pieces of music and be excited about that. So there was a lot that made me think about here. It's fantastic. And to your point, Tony, I would say the Gettys, especially in, like, "Christ Alone," some of the other things, this is probably the closest to what you're talking about, where they've taken and imported kind of the classical hymn structures-  [00:17:26] Tony Arsenal: Yeah [00:17:27] Jesse Schwamb: but modernized a little bit just the language while without sacrificing any of the theological richness or the musicality that draws your ear to those beautiful rising and falling melodies, the swelling of the vocal there, without, like, distracting from anything that's going on there. It's not emotionalism- Yeah but it certainly is filled with the emotion of what it means to be a Christian and to sing in response as an act of praise to God.  [00:17:50] Tony Arsenal: Yeah.  [00:17:52] Family Worship Singing [00:17:52] Tony Arsenal: Yeah, I mean, I can't underscore enough the importance of congregational singing. We, we've, we've actually talked about, about it in context of, like, how important it is for the men of the congregation to sing, which is something I, I really appreciate about my congregation, is, is the m- the men just go all out. Like, people are, like- Love it ... nobody is, nobody is ashamed of the fact that they squawk on a note that they're not used to or anything like that. And where this really pays out, um, at least in our congregation, but I'd, I'd be willing to bet if you go to any congregation where the, where the men particularly are passionate and active in musical worship, right? Um, I think where this plays out is you see the children very quickly picking up those songs and learning them and singing them. And the, the favorite part of my day, this is gon- any parent of toddlers is gonna be like, "What are you talking about?" Bedtime is one of my favorite times of day, not just because it means that, like, in a little while I'm gonna get a little peace and quiet. Like, that's part of it, too, but there are two songs that we sing almost every single night, and Augie leads them, which is really great. He always wants to start, and he always wants to sing, and it's the Doxology and the Gloria Patri. And these are songs that he has just picked up from being in the congregation, and, you know, I, I don't remember consciously teaching him any of these songs. And now, now Adeline, who is, uh, my two-year-old daughter, almost two, she's starting to pick those songs up, and she's starting to sing them, and she recognizes them, and she responds very differently to those songs than she does to other songs. Um, it's funny because I don't, I don't know where she got this. Neither my wife nor I are particularly, uh, charismatic, emotive people. Like, we don't raise our hands when we're singing, but she, she does. She, she, when we start singing- My girl ... the Gloria Patri or the Doxology, her hand is in the air, and she's looking at the sky, and she's waving her hands around. Yeah. And, um, she recognizes that those songs have a different place than a Miss Rachel song. She doesn't put her hands in the air and wave and look up at the ceiling when Miss Rachel comes on or when Baby Shark comes on. She knows those songs. She can sing those songs. Um, but she doesn't- Respond to those in the same way. And that is a direct result of the fact that congregational singing is an important thing in the life of our church and in the life of our family. And I think a book like Sing, I haven't read it, but I've heard very good things about it, and the, the Gettys are rock solid, like- Right ... theologically. Yes. Musically. They're, they're well within our Reformed tradition, at least broadly speaking. Um, and, and they have a, they have one of the strongest sort of theologies of praise music that you're gonna find. Mm-hmm. It's not quite like a liturgiology or something like that, but it's, it's, it's a theology of praise worship, praise and worship music. Right. Um, and that's not something that's super common, right? There's a lot of theology of liturgy. There's a lot of practical theology on liturgy. Um, the Gettys have developed a really unique kind of place in things in that they've really developed this idea that congregational singing has a specific theological import, and they've developed it in a way that's approachable. So yeah, I haven't read it and I sh- I probably should, but it, it sounds like a really great book. And, um, I c- just can't underscore it enough. And- Maybe this is my little plug. Like, uh, family worship is really tough, and it's not something I've mastered. Like, we don't, we, we don't have a regular rhythm. But what we do have is we have a consistent, uh, we consistently pray at night before bed, and we consistently sing one or both of those songs. And that by itself, like, the kids are learning and they are, they're absorbing that by osmosis. Um, they're picking up the phrasing, right? Augie can tell you who the three persons of the Trinity are, and that's partially 'cause we do catechism questions, but it's also partially, and I would actually argue probably more, because of the Trinitarian structure of those two songs. Right. He's picked up the language of the Father, the Spirit, and the Son from the Gloria Patri and from the doxology in ways that probably I wouldn't have been able to teach him otherwise. So yeah. Anyway, I, I just co-opted your affirmation. But, um, but yeah. I'm here for it. Congregational worship, family worship, singing, uh, to our Lord is commanded, and it's commanded for our good- Right and for his, his benefit and his blessing. Um, and so any book that is, is solid and will help you do that, I, I'm wholeheartedly behind.  [00:22:17] Jesse Schwamb: Yeah. This is... All that is fire. This is fire.  [00:22:19] Reclaim Congregational Song [00:22:19] Jesse Schwamb: God designed our psyche for singing, and we're probably, uh, I would say contractually obligated since Reformed is in the name of the title of the podcast- to remind ourselves and everybody else that one of the things the Reformation did was reclaim the singing of God's word by his own people. Yes. Taking it out of that performatory space back into literally the voice boxes of the people who are sitting in worship together. So sometimes we might have to do that again. You know, there is a little bit, I think, of... There, there is in some places, not everywhere, this kind of tilting of that time of worship through music to be vouchsafed or relegated to those who are, uh, let's say, like, the most, like, talented in doing that, and somehow we participate merely by observing or by- Yeah just, uh, you know, being an audience spectator of that, and that's totally backwards. So I get it. The thing is- We're all singers. We may not all be very good singers, but we're all created to be singers nonetheless. This is what the Bible tells us. So we need to lean into that. We need to invest in that. Yeah. And so I, I like, of course, what you're doing with, uh, your kids because you're not only teaching them to sing, and this makes me so happy, but you're teaching them to love singing to the Lord. Yeah. And so that is, I think, what a lot of our congregations miss, is sometimes we do it, and I'm among them often, but grudgingly. And so to get to a place where we come excited that our reasonable response, our reasonable preparation on the Lord's day is to sing together, to hear that gospel message in melody in the ear of our... You know, the voice of our neighbor in our own ear is a wild thing. It's just, like, un- unheard of. And it's like, uh, we gotta stop, right? It's one of those things also that, like- ... we've, we've talked about how it's just kind of otherworldly. Not, not only in the sense that it gives us this really kind of foundational sense of God's, you know, kind of transcendence, of what it means to participate in the worship of someone who is transcendent because it is all these voices together, but also this is something that rarely happens in any other way, especially in the Western culture anymore. This coming together to express and to participate in something where we're all reading literally from the same sheet music is just an entirely different experience, increasingly relegated to this kind of experience. So we, we must protect it, not only because God says that we ought to, but also because, again, it is, it is our reasonable response. Yeah. And it is something, like you've just said, that brings Him glory and is certainly for our good. So, uh, this is the Singcast, so everybody- ... everybody get to it. You can make your own music. God has commanded us to sing. So the sooner we just understand, like, hey, it's, it's... You know. Uh, but... And the last thing I'll say is this is one of those things that's, like, practice too. A- and I get it. Like, you may say, like, "Listen, I can only hit two notes, and that's all I'm gonna hit no matter what the music is." Well, then belt the two notes, and also know that, like, the more you practice that kind of thing, honestly, the better that you'll get and the more comfortable that you'll become. The voice is an instrument like any other instrument that takes, like, a little bit of practice and a little bit of work. But even that can cause, I think, great benefits and build a little bit of confidence. But just the example of singing and doing it from a heart that is keen to worship God and that is filled with passion to respond to Him with gratitude and, you know, adoration is really the key thing. And so I, I'd rather have a entire group full of worshipers that are singing off-key but, like, with just resounding passion than to have this performance of just a handful of voices because they feel like they're the most capable to do it. Yeah. I think we'd, we'd rather have everybody else, and to hear the congregation mixed as one of those instruments. So sing. Yeah.  [00:26:05] Everyone Can Sing [00:26:05] Tony Arsenal: Yeah, and y- you and I have made the point in the past, too, like- I, I don't think, uh, maybe I'm wrong. Uh, we are a top 50 healthcare podcast, so maybe some doctor- I'm sure you're correct ... is gonna... Right. Like, I don't think being tone deaf is actually a physical condition. Like- Mm. I, I mean, I, I mean, obviously, like, some people have hearing problems, and that means they have trouble singing. I hear what you're saying. But, like, the people who are like, "Well, I j- I just can't sing. I'm just not capable of that," uh, like, I think the, the physical conditions that would make you incapable of singing are not usually what people are talking about. Like- Right. Yeah ... you know, some people have, like, vocal fold disorders or they have hearing problems, and I guess maybe, like, if perfect pitch is a thing, which it, it is. Like, perfect pitch is a... I don't know what causes it, but some people are born with perfect pitch. I suppose in theory that means some people must be born with, like, the opposite of perfect pitch. But I think most people who say, like, "Well, I just, I'm just tone deaf. I can't carry a tone," that, that's probably not true. Like, it just means you need practice. Um, and some people's voices, like physically, their bodies are more, more designed by God to produce a pleasant sound than other people. But I, I think actually just about anybody with a little bit of practice, and mostly I think this is probably just the confidence to actually sing and a little bit of practice to learn how your body works, like how your voice works, um, could probably get to a point where singing is not only very relatively comfortable and easy, but it's something that is pleasant and is not overly challenging. This is actually something that I think we've lost in the church. We should... This, I mean, this is about to come the episode, but, um- ... something we've lost in the church when we have sort of changed from a true genuine congregational singing model, which was the norm- And I've heard people make arguments about the importance of hymnals, and I, I agree with those arguments, although I know some people have moved them into almost like a realm of, like, divine mandate- Right that you have to use hymnals because it trains people to teach. But we have lost something with both the sort of commercialization of worship music and the pro- like making it a professional thing, and we've lost congregational singing. The, the people in the church throughout history have learned to sing. Many of them have learned to read, learned the scriptures, learned theology, not in the seminary and not in the monastery, but in the pew as they sing God's word and as they sing- Right ... the great theological hymns of, of the church. There's so much you can learn through that process that I just think we've lost. And I think going back to something like a hymnal or the Trinity Psalter Hymnal or whatever, whatever standard music your church is gonna use, and I mean standard music. Like, whether this is a collection of worship choruses that has been curated for the church or it's a published hymnal or something like that, going back to something like that teaches the church how to sing. And I don't remember who wrote it, but the trellis and the vine, like the worship that we sing, I know Mike Horton makes this point. The worship that we sing is the tre- is the trellis that the vine of our wor- of our- Yes ... faith grows on, right? That's true. Like, what the, what the church lex credendi, lex orandi. Like, the church, what the church prays, the church believes. What the church sings, the church believes. So all of that to say, like, the, the importance of congregational singing can't be under-emphasized, and it's... I, I mean, I don't know that I would I don't know that most theologists say technically s- like, congregational singing is an element of worship, but praising the Lord through song certainly is. Yes. It's, it's evidence. Um, and, and so I think that's definitely something that the church has lost in general. Um, and I know there are churches... I- it's funny, when Ashley and I were between churches, uh, very briefly after, um, our previous church closed down, um, we went to a local sort of, like, high, high, uh, production, seeker-sensitive church, very Steven Furtick-esque, and we only lasted, like, 10 minutes in this, in this service. We went in and the production value was great, and the music sounded great, but we couldn't hear ourselves, we couldn't sing- Right ... and it was very performative, and we just left. We were only there for a few minutes, and we left. And I think that's something we've lost as we've sort of migrated worship to almost, like, a professional class. So yeah, bring it back to the pews. Bring it back to your- Bring it back ... bring it back to your house, bring it back to your kid's bedroom when you're tucking them in. Everywhere. Bring it back to the car on the way to work, in the bus. Right. Like, just let's everywhere we go, let's sing and worship the Lord. [00:30:30] Jesse Schwamb: Yeah, that's right.  [00:30:31] Train Your Voice [00:30:31] Jesse Schwamb: Uh, so as a final thing, let me compound your hot take and say that I agree with you, that I... And I think professionals would as well, and I'm gonna stand on a resource that I'm gonna recommend to everybody here in a second, that in fact the Getty say, "If you can speak, you can sing." And there are a f- a few conditions that would prevent you from doing that, of course. And even there, they wanna explore opportunities for you, for instance, signing, for instance, to ensure that you can participate in worship. Uh, the hot take is I do think that because the instrument that God has given us in the vocal cords is exactly that, that it can be trained, and that actually most people can sing. And if you're serious about that, if you think, "You know what? I'd like to be able to do that. How can I explore that?" Here's a book for you. It's called Set Your Voice Free by Roger Love. The full title is How to Get the Singing or Speaking Voice You Want. Roger Love is, like, this amazing behind-the-scenes vocal coach. He has coached, like, a ton of really talented recording artists, and this is his very contention in the book, is that everybody can sing. It's really about how much or little work you wanna put into it. And in fact, this book comes with, like, these exercises that you can listen to and then record yourself. And then he, from a distance basically, can give you some pointers based on allowing you to kinda evaluate what you hear in your own recording back. So if you really are the kind of person that's like, "Listen, I, I dare you. I cannot sing," I would challenge you, I would double dog dare you to get this book, Set Your Voice Free, and if you're really serious about wanting to try and see if it can make a difference, I, I think it can. And I've, I myself have enjoyed this book, gone back to it many times, use it in my own work and practice because I found it to be helpful. So there you go. Sing, sing, and sing again.  [00:32:06] Tony Arsenal: Yeah.  [00:32:07] Singing Apps and Practice [00:32:07] Tony Arsenal: And if you're not a reader, first of all, why are you listening to the podcast? But second of all, if for some reason you're not a reader I'm, I'm joking. I'm sure there are people that are listening to the podcast who are not readers. That was, like, a super smug thing to say. How dare you. I'm sorry about that. How dare you. Um, if for some reason you don't wanna read that book or you're not a reader, um, y- you can do something as simple as looking up Yousician on your Yousician, Y-O-U- Yeah ... S-I, like the word musician, but U instead of, like, Y-O-U instead of, uh, musician. Um, there are plenty of apps out there. I just, I mention Yousician just because I've used that on, like, a free trial basis with some guitar teaching, and it's a reputable source. They also have a vocal module. So, like, if you wanna learn to sing, there are plenty of resources out there who can help you train your voice. A- and it- Again, I'm not a doctor, I'm not a vocal coach, I'm not a professional singer. I'm not even that great of a singer, and I, I probably could be a better singer if I wanted to devote the time to it. Um, it doesn't take much to, to be able- Right ... to become a competent singer. Um, I think most of us, you pick up one s- just like I learned guitar, you pick one or two songs that you really like and you wanna learn, and you learn to sing those songs, and then those skills will develop over time. So enough about that, Jesse. We've got, speaking of talents- ... we've got some talents to talk about. There it is. Boom, bazinga. Baza-bazom. I'm  [00:33:27] Jesse Schwamb: back. There it is. Yeah, so- I was excited  [00:33:31] Tony Arsenal: about that one ...  [00:33:32] Jesse Schwamb: that, that was really good. And, and we should just h- honor everyone. That's it.  [00:33:37] Tony Arsenal: That's it. Tip your waiters and waitresses, folks. It  [00:33:39] Jesse Schwamb: was so good. We're here all week.  [00:33:41] Parable Context Setup [00:33:41] Jesse Schwamb: So we're in Matthew 25, uh, verses 14 through 28, and this is at least gonna be a two-parter for us. This goes by the name you might be familiar of, which is The Parable of the Talents. But before we get to it, just a quick reminder that we've been speaking about this parable, not like in a special way, but hopefully in the more contextual sense. So this is the second of three eschatological parables in Matthew 25. So the first was The 10 Virgins, which we went through. We're in The Talents, and then we're coming up to everybody's favorite, The Sheep and the Goats. All three are part of this Olivet Discourse, which is, of course, Jesus' final teaching block before his Passion. And I think it h- behooves us so that we do not get distracted from, like, the center of gravity of this thing, that this is delivered in response to the disciples' question about the sign of his coming and the age to come. Because I've heard so many, like, little talks, maybe homilies is more the right word, on this particular parable that lack gravity. So little gravity that basically NASA could train their astronauts in it. So we wanna stay away from that and I think get into, like, the, the proper context. So Tony, do you have it in front of you by any chance? And would  [00:34:50] Tony Arsenal: you- I do. I do, yeah. Yeah. Read it for us? I'll read it here.  [00:34:52] Reading the Parable [00:34:52] Tony Arsenal: So this is, uh, starting in, uh, Matthew 25 verse 14, and I'm gonna read down through, uh, the end of verse 30 here. So it, it reads here, "For it will be like a man going on a journey, who called his servants and entrusted them, entrusted to them his property. To one he gave five talents, to another two, and to another one, to each according to his ability. Then he went away. He who had received the five talents went at once and traded with them, and he made five talents more. So also he who had the two talents made two talents more. But he who had received the one talent went and dug in the ground and hid his master's money. Now after a long time, the master of those servants came and settled accounts with them. And he who had received the five talents came forward bringing five talents more, saying, 'Master, you delivered to me five talents. Here I have made five talents more.' His master said to him, 'Well done, good and faithful servant. You have been faithful over a little. I will set you over much. Enter into the joy of your master.' And he also who had the two talents came forward, saying, "Master, you delivered to me two talents. Here I have made two talents more." His master said to him, "Well done, good and faithful servant. You have been faithful over a little. I will set you over much. Enter into the joy of your master." He also who had received one talent came forward, saying, "Master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed. So I was afraid, and I went and hid your talent in the ground. Here, you have what is yours." But his master answered him, "You wicked and slothful servant. You knew that I reap where I have not sown and gather where I scattered no seed? Then you ought to have invested my money with the bankers, and at my coming, I should have received what was my own with interest. So take the talent from him who gave it, who give it to him who has 10 talents. For to everyone who has will more be given, and he will have an abundance. For, uh, but from the one who has not, even what he has will be taken away. And cast the worthless servant into the outer darkness in that place where there will be weeping and gnashing of teeth."  [00:36:56] Watchfulness and Stewardship [00:36:56] Jesse Schwamb: So it starts with that amazing connective, which we really spoke about in the last episode, in verse four- 14, starting with four. So it's tying, like we said, this parable directly to verse 13, which we know is in the, the parable of the ten virgins. But it's this idea of watchfulness. "Watch therefore, for you know neither the day nor the hour." So th- I think this is the point we really drove last time, that we really felt highly convicted about, that this parable is not like a detached economic lesson, but it's really like an expedition, exposition, not expedition- ... of what watchful discipleship actually looks like during the interval of the master's absence. Like, that's the whole setup here. So it's starting with this idea of like the master goes away, but here we have these slaves or these servants who are entrusted. And to me, again, that's like such a linchpin in this whole thing, 'cause it's, it's carrying the sense that of course, like, he's handing over stewardship. It's a deposit held on another's behal- I love this parable because it has some banking language in it. It's, it's a deposit held on another's behalf, and that's like the key covenant concept of the entire thing. Ownership remains with the master. The servants are stewards. They're not proprietors. And that language, I think, really anticipates, like, the entire New Testament theology of stewardship, which is developed by Paul. So like when Paul writes in 1 Corinthians, "This is how one should regard us, as servants of Christ and stewards of the mysteries of God. Moreover, it is required of stewards that they be found faithful." So like all of that, that's like just one verse for me. Like, that's an incredible setup.  [00:38:27] Tony Arsenal: Yeah.  [00:38:28] Common Misreadings [00:38:28] Tony Arsenal: Yeah, and you know, I think it bears saying, too, um, I wanna be careful how I say this because I don't wanna impugn, uh, poor motives or anything like that on, on the, the people that I'm about to speak to. And I say this a little bit tongue in cheek, but also I say this as someone who used to be deeply involved in youth ministry. There's kind of like a, a youth ministry, um- international version of the Bible, I guess, if you wanna put it that way, where, like, there are certain, certain passages and parables that s- for some reason seem really prone to misapplication- Sure in, in some context. And I would say, like, youth ministry is the one I have in mind. Like, um, one of them is, like, in Matthew 18 where it's like, "Where two or three are gathered in my name, there I am in the midst of them." Like, that's a, that's a statement about God's, God's presence in the judgment of the church and excommunicating an un- like, a, an unrepentant, uh, person who identifies with Christ. And, and ironically here, maybe not ironically, but, like, casting them into the outer darkness of excommunication, which is representative of casting them out into the actual inner darkness of damnation. Right. Like, th- there's a, there's a misapplication of that, that like, well, you know, like, if only a couple people came to youth group tonight, like, it's still worth meeting because where two or three are gathered, there I am in the midst of them. Um, this, this parable has a very similar kind of misapplication that is maybe a, a little bit less of a misapplication. Like, I think there is something to say in this parable about the fact that God entrusts us with abilities, talents, treasure, t- our time. Like, He's entrusted us with resources, and He does expect us to use those resources, uh, in a way that is honoring to Him and beneficial for the, for the gospel and for the kingdom. Um, that's true in a broad sense, but I don't think actually that this is what that... But, like, that's not what this passage- Mm ... is teaching. Right. I think I, I kinda joked last time, but, like, I've heard more than one sermon that draws the parallel between the word talent here and our talents in terms of, like, our spiritual gifts or our ability to play guitar or, like, to bounce a basketball and, like, thr- like, throw a free throw. Like, that's not the kinda talent we're talking about here. So I wanna, I wanna sorta, like, point that out just to sort of exclude that from the conversation. Yes, God gifts His people, and He expects His people to use those gifts for His glory and for their own benefit. Um, but that's not what this parable is talking about. This is a parable about the fact that God has entrusted the kingdom of heaven on Earth to His people.  [00:41:08] Jesse Schwamb: That's right.  [00:41:08] Tony Arsenal: And He expects His people to make use of that in a way that expands the kingdom and also in a way that does not... And this is, this is, I actually think, the main point of the parable. In a way that properly understands the nature of the king. The, the punchline or the main point of the parable here, it, just to sort of, like, I don't know, give away the ending or, like, unbury the lead, I don't know, whatever that is. The point of this parable- It's not that, like, it's a really good thing to double what God has resourced you with. The point of the parable, the reason that, just like the, um, just like it wasn't the virgins falling asleep in the last parable that was the problem because everybody fell asleep, in this instance, uh, the amount of money or the amount of return on investment that the servants produce is not the point of the parable. That's not the real difference between them. The real difference is that the former servants understood that their master had trusted them with a task and expected something of them, and the, the unfaithful, wicked, lazy servant had a total misunderstanding of who the master was- Right ... and therefore what his role as the master's servant was. That's the point of this parable, and I think, this is the last thing I'll say before I, I, I take a breath here. There's a lot of people that would look at this parable and might read some sort of works righteousness or, um, and this is more understandable and I think has a place within the Reformed tradition, although I don't necessarily hold this view. But would look at this as sort of like a theology which would, would argue that we receive some sort of enhanced rewards in heaven based on our faithfulness. There's plenty of good, faithful Reformed Bible teachers that would hold that position. I actually think whether or not that's true, this is still also not what this passage is getting at. [00:43:00] Jesse Schwamb: I, I totally agree with you there.  [00:43:02] Talents as Huge Wealth [00:43:02] Jesse Schwamb: I, I think one of the reasons that we know that is because we can look at some of these details and let the details speak to us about the magnitude in their representation, why they're given. So of course, whenever the scripture gives us detail, especially in a context like a parable, it can be helpful of cour- of course not to overanalyze them, but to respect their place in the context of the story, and that's why verse 15 I think is so important. So to one he gave five talents, to another two, to another one, to each according to his ability, then he went away. Now, this, this varies slightly, but there's a lot of, I think, very common historicity here that points us to understanding, like, the talents as a unit of monetary weight, and there is some discrepancy about its exact weight. But what we can say for sure is this: that we're talking about, as I teased at the beginning, a huge sum of money. So in other words, like, this is a gift from God himself. It's a divine gift. Yeah. It's something that's not earned. It's something that's given and something that's entrusted. So in the first-century Roman world, a talent was roughly equivalent to, like, 6,000 denarii, depending on who you talk to, which would mean that a single talent represented approximately, like, 20 years on average of a laborer's wages. So the sums then here we're talking about are staggering even at the lowest one. So the five-talent servant is receiving essentially approximately equivalent of a century's wages, and the one-talent servant is receiving 20 years' worth. There's no such thing as a small gift in Christ's economy, I think is the point here, and even the least endowment is immense beyond our reckoning. Yeah. So the distribution also is deliberately unequal. It's five, one, two, and the text doesn't offer any apology for this inequality. The master distributes to each according to his ability, which as I say that, I realize that could probably be its own episode, that we could talk about what that even means. Yeah. But he is matching and entrusting to capacity, and that's not arbitrary. Of course, that's wise and personal, and even the Greek here for this idea of capacity or power suggests the master knows his servants intimately and calibrates the stewardship accordingly. But nonetheless, it proves the point you're making here, which is not just about, like, well, do you have some kind of innate ability that's above average that God has endowed you with here? That's not even what we're talking about. Again, the whole point of this is to answer the question eschatologically about what the end means and when the time is coming and what good discipleship looks like. And so in that way, we understand then these talents to be these divinely appointed and massively generous gifts of God, essentially, like you said, the stewarding of the gospel in the story of salvation itself unto his people, and then to make something of that, so to speak, by the power of the Holy Spirit that earns a return for the kingdom, that is all empowered by God, that is under the volition of the person, uh, the Christian who says, "As a disciple, it is my responsibility to steward these gifts." That is really what we're after. So we do kind of get in this place where when you take this and say, "Well, what are you doing with," let's say- your home, if you have a nice home, are you being hospitable enough? If you have, let's say, a good singing voice by talent, are you using that to make sure that you're on the, quote-unquote, "praise and worship team," is not, like, entirely wrong, but it's not right either- Yeah to use this passage- Yeah ... for that purpose. There's a bigger theme here. There is, there's a much stronger and widescale framework that God is drawing us to and examine, and it's about the stewardship of the church itself.  [00:46:30] Tony Arsenal: Yes. Yeah, yeah, yeah.  [00:46:31] The Foolish Servant Exposed [00:46:31] Tony Arsenal: That's really key, and this is what struck me as, as you were speaking about that, is like we see in so many of the kinda like, uh, like the chump in the parable. Like, there's- Yeah ... a lot of these parables have like a chump- Right ... where like you're looking at and you're like, nothing about what you've decided to do makes any sense. We're talking about people who've been given, in the first case, 100 years worth of, worth of wages. Right. Right? Any one of these people, and again, we're talking about a timeframe where, like, you could just take that money and run and, like, nobody's gonna find you. There's no digital trail on any of this, right? If I stole, if I stole 100 years worth of labor from my manager or from my, my employer, they would find me, right? That's not the situation we're talking about. So even the chump who decided, "I'm not gonna do anything with this," he could've just take- taken off with the money and had 20 years worth of labor. Right. Just 20 years worth of wages. Right. This is a, this is a sum of money that makes all f- all three of these servants unimaginably wealthy instantly, right? The point of this is, in part, that the final servant has no idea the amazing blessing and responsibility that he's been given. And again, I come back to this. It's not because he is dumb or because he is, um, somehow less competent in a strict sense, right? It, it's so funny to me, like, we also gloss over the fact that, like, the guy who has five talents, he's got 100 years worth of money, 100 years worth of wages. Right. And he just goes and gets 100 more. Like- Right he just goes and trades and- Right ... comes up with 100 years worth of wages that he brings back. Like, that's, in itself is, like, phenomenally, amazingly outrageous. We ran into this too with the, um, the parable of the unmerciful servant, right? We've, we've got one guy who's got this unimaginable debt, like, like, thousands of years worth of, uh, worth of wages that he could never make up, and he thinks he's gonna somehow come up with it if you just give him enough time. It's kind of like the opposite here. This guy's got this unimaginable amount of instant wealth, and he just buries it in the ground. First of all, how much... We're also talking about an era where money was a physical, entirely physical.  [00:48:53] Jesse Schwamb: Right.  [00:48:53] Tony Arsenal: There were no, there were no digital banks. Like- No zeros and ones most of our money exists as ones and zeros in a computer program right now. Right. Like, in reality, like- Right ... my money doesn't exist. We don't have, like, a physical gold standard anymore in America. Jesse could probably s- I'm probably making dumb things up right now. No, that's that's- Like, it used- Right on to be that, like, every dollar that the United States government printed had, like, a piece of gold sitting at Fort Knox- Yes ... uh, like backing it up, but we just don't have that anymore. Most of the money that exists in our system is entirely imaginary. It's an entirely, like, made-up digital currency way before, like, Bitcoin was a thing. That's not the case in this timeframe. This dude who buried 20 years worth of money in the ground, that's a significant amount of labor in and of itself- Right ... to even be able to do that. So we're not talking about, like... And I think this is the thing we miss when we, when we read the word talents, and one, when we obscure it and we, like, we misappropriate the word talent to mean, like, abilities, 'cause it, that's a convenient, like, illustration tool. We're talking about a huge sum of probably gold or silver that this dude just buries in the ground, and then, like, digs it up when the master comes back.  [00:50:01] Jesse Schwamb: Right.  [00:50:01] Tony Arsenal: And I think, like- When we don't realize how much money this is, we miss the force of the master's like, "You stupid, dumb, wicked, slothful servant." Like, if you had even taken this money to the bank and done the least imaginable- Yes ... effort. Exactly. Like, if you had done anything at all, like how mu- how difficult, granted more difficult back in this age than it is now, but like if you had even done something as simple requiring as little labor as possible and just brought this to the bank and let them collect interest on it, we'd still be talking about a huge return. [00:50:35] Jesse Schwamb: That's right.  [00:50:36] Tony Arsenal: And he doesn't even do that, and that's, that's the point. There's the people who do, and they gloss over this. The parable totally glosses over the amazing effort and work that it must have taken to take 100 years worth of la- of wages and turn it into 200 years worth of wages. Right. Or to take 40 years worth of wages and turn it into 80 years worth of wages. That's an amazing, probably almost miraculous return on, on investment. Whatever they did is amazing, and the parable's like, "Yeah, they did that." They just took it to the traders and they brought back five more talents. Like, it's nothing. And then this idiot, and I say idiot in like the most like, like exegetically sound, idios, like, like foolish idiot person. [00:51:20] Jesse Schwamb: Right.  [00:51:20] Tony Arsenal: This idiot just buries it in the ground and doesn't even bother to bring it to the bank where he's gonna get some return on it. This is the picture of the fool who does not make use of the means of salvation. This is the picture of the fool who refuses to receive Christ as savior, who refuses to make use of the benefit and blessing of salvation that is available to all who will trust in Christ and turn to him. This is the same picture as the idiot virgins who didn't buy enough oil and just fell asleep when they knew that the bridegroom was coming, right? Right. It's not that they fell asleep, it's that they didn't do the most obvious, simple,

Friends of the Rosary,Today, June 12, we celebrate the Solemnity of the Most Sacred Heart of Jesus, a feast designated the Friday after the Second Sunday of Pentecost.In the late 17th century, St. Marguerite Marie Alacoque, a cloistered nun of the Visitation Order, received several private revelations of the Sacred Heart.The devotion to the Sacred Heart calls for an “attitude of conversion and reparation, of love and gratitude, apostolic commitment, and dedication to Christ and his saving work,” as the Directory on Popular Piety and the Liturgy denotes.The Catechism of the Catholic Church states,"Jesus knew and loved us each and all during his life, his agony and his Passion, and gave himself up for each one of us: "The Son of God. . . loved me and gave himself for me" (Gal 2:20). He has loved us all with a human heart. For this reason, the Sacred Heart of Jesus, pierced by our sins and for our salvation (Cf. Jn 19:34), "is quite rightly considered the chief sign and symbol of that. . . love with which the divine Redeemer continually loves the eternal Father and all human beings" without exception (Pius XII, Enc. Haurietis aquas (1956): DS 3924; cf. DS 3812).Pope Benedict XVI wrote, “The essential nucleus of Christianity is expressed in the Heart of Jesus; in Christ the whole of the revolutionary newness of the Gospel was revealed and given to us: the Love that saves us and already makes us live in God's eternity. Even our shortcomings, our limitations, and our weaknesses must lead us back to the Heart of Jesus. His divine Heart calls to our hearts, inviting us to come out of ourselves, to abandon our human certainties to trust in him and, following his example, to make of ourselves a gift of love without reserve.”Today is also the World Day of Prayer for the Sanctification of Priests. The World Day of Prayer for the Sanctification of Priests takes place every year on the Solemnity of the Most Sacred Heart of Jesus.Ave Maria!Come, Holy Spirit, come!To Jesus through Mary!Here I am, Lord; I come to do your will.Please give us the grace to respond with joy!+ Mikel Amigot w/ María Blanca | RosaryNetwork.com, New YorkEnhance your faith with the new Holy Rosary University app:Apple iOS | New! Android Google Play• ⁠June 12, 2026, Today's Rosary on YouTube | Daily broadcast at 7:30 pm ET

Produced by ContentMonsta.comThrough candid conversation, Kevin Oleary challenges common assumptions about wealth, stressing that true financial success stems from discipline, relentless passion, and a willingness to solve real problems, never just the pursuit of money. Jaime Catmull steers the discussion from personal finance pitfalls and the stresses that quietly erode relationships to the critical mindsets that shape lasting entrepreneurial and personal success. Hard truths, habits, and actionable strategies are honestly laid out for anyone seeking freedom, fulfillment, and impact over mere riches.Key Points/Topics CoveredThe importance of passion and purpose over pure profit in business and lifeFinancial discipline, avoiding debt, and the hidden causes of relationship breakdownTeaching children the value of work and launching without entitlementModern entrepreneurship: Identifying pain points, leveraging AI, and harnessing social mediaHealth, wellbeing, and finding fulfillment beyond material wealthTime Stamps00:01 - Passion vs. greed: Motivation in entrepreneurship01:19 - Financial discipline, debt avoidance, and relationship stress02:45 - Teaching kids healthy financial mindsets and anti-entitlement parenting04:38 - Starting a business from scratch: Solving real problems & leveraging social media/AI06:01 - Redefining freedom and success beyond money07:54 - Personal passion projects, health habits, and cognitive wellbeing11:42 - Legacy, entrepreneurship, and impact Produced by ContentMonsta.com

Produced by ContentMonsta.comAllison Ellsworth shares her personal story of transforming health struggles and a homemade soda experiment into the nearly $2 billion brand, Poppi. The conversation explores the realities and challenges of entrepreneurship, especially as a woman and a mother, highlighting the importance of pushing past excuses, relentless resourcefulness, community support, and redefining work-life balance. Listeners gain both practical and inspirational insight into betting on themselves, following big dreams, and creating lasting impact for their families and communities.Key Points/Topics CoveredOvercoming personal health struggles and the origin of PoppiNavigating entrepreneurship as a woman and a motherThe leap from homemade product to business, including the Shark Tank experienceImportance of support systems, avoiding excuses, and personal growth in leadership rolesAchieving work-life balance, embracing “mom guilt,” and instilling values in the next generationTime Stamps00:00 – Overcoming health issues and creating Poppi in the kitchen00:46 – Building the business: farmer's markets, Whole Foods, and manufacturing06:08 – The Shark Tank journey and pivotal moments07:55 – Advice for moms and women in entrepreneurship12:02 – Managing mom guilt and setting boundaries for work-life balance14:37 – Instilling values in children and company culture15:37 – Encouragement for women in entrepreneurship and future aspirations Produced by ContentMonsta.com

What you truly hunger for will shape your life—and only a deep pursuit of God will ever leave you fully satisfied.

What began as Sunday family dinners and pop-ups during the pandemic, for Noel Peters, has become a growing, full-service catering business! Noel joined Kevin Powell and Michael Piff on Chicago’s Very Own Eats to talk about Soul Kitchen Chicago, the family traditions she honors with her menu, how the Chicago Blackhawks are supporting her and […]

Perennials are probably the most popular type of plant in the UK, but that wasn't always the case. In this episode, we talk with Rosy Hardy, the Chelsea Flower Show's most decorated female exhibitor. She has won 24 gold medals and helped many garden designers and colleagues win awards with her plants. Rosy explains how she helped make perennials popular over the past forty years and shares advice on choosing varieties that can handle our unpredictable summer weather. Later, Dan introduces an innovative plastic-free insect net made from plant fibres, and Julia recommends an unusual fruit that grows well in hot, dry summers.Website links:Hardy's Cottage Garden Plants website offering over 1200 perennials grown peat-free.A selection of Rosy's most resilient perennialsRosy Hardy Gardening on YouTubeDan Cooper GardenInsectonet Plastic-Free NetParker's PatchExpertly produced by Scott Kennett at Red Lighthouse Local.This episode was sponsored by the Plant Fairs Roadshow, which brings beautiful British-grown plants to stunning venues across the South East of England. Hosted on Acast. See acast.com/privacy for more information.

Send us a comment or question!Calvary Chapel Franklin: http://calvarychapelfranklin.com/  Email: info@calvarychapelfranklin.com  Telegram: https://t.me/parsonspadpodcastTwitter/X: https://twitter.com/ccfranklintn Facebook: https://www.facebook.com/CalvaryChapelFranklin/  Subscribe to the audio podcast: https://parsonspad.buzzsprout.com/  iTunes: Parson's Pad Podcast Calvary Chapel Franklin meets at: Sunday mornings / Wednesday Evenings: 415 Franklin Rd, Franklin TN 37069 Mail: PO Box 1993 Spring Hill TN 37174 If you need a Bible, please download the free Gideon's app for iPhone or Android: https://gideons.org/  Calvary Chapel Franklin is a 501c3 tax exempt religious organization. If you would like to donate to support this ministry, please click here: https://calvarychapelfranklin.churchcenter.com/giving 

You can enjoy exclusive and intense erotic audio by grabbing your copy of the Sensual Awakenings App on the Apple Store.Prepare to embark on an erotic journey that will awaken your deepest desires and ignite the flames of passion. "Pirate's Passion" is an audio story that takes you into the heart of a thrilling and provocative fantasy, where boundaries blur and desires come alive. Meet Janet and Brad, a couple trapped in a cold marriage of convenience, whose lives take an unexpected turn during a fateful yacht vacation.Janet and Brad's marriage is anything but passionate. Bound by convenience rather than love, their relationship has grown cold and distant. Seeking a change of scenery, they decide to take a luxurious vacation on their private yacht, hoping that the tranquility of the open sea might rekindle some semblance of connection.But the calm waters soon give way to an unexpected storm. Under the cover of night, a band of daring pirates invades their yacht, turning their idyllic escape into a thrilling and dangerous encounter. As the pirates take control of the ship, it becomes clear that their charismatic captain has more than just treasure on his mind.A Menage Fantasy UnfoldsThe pirate captain, a figure of commanding presence and undeniable allure, sets his sights on both Janet and Brad. His intentions are as mysterious as they are tantalizing. With each passing moment, the tension between the three intensifies, creating a charged atmosphere filled with anticipation and desire.Janet, who has long yearned for the touch of passion, finds herself irresistibly drawn to the captain's magnetic charm. Brad, too, is captivated by the captain's boldness and the thrill of the unknown. As the boundaries of their cold marriage begin to dissolve, they are both pulled into a web of seduction and exploration.A Dance of Desire"Pirate's Passion" is more than just an erotic story; it's a dance of desire and discovery. The narrative delves into the complexities of human attraction, the allure of forbidden fantasies, and the power of surrender. As Janet and Brad navigate their newfound desires, they uncover hidden facets of their own sexuality and the depths of their longing.The story unfolds with a blend of sensuality and suspense, capturing the raw intensity of their encounters and the emotional journey that accompanies their physical exploration. It's a tale of awakening, where the boundaries of convention are pushed aside in favor of a deeper, more primal connection.Embark on the Adventure of "Pirate's Passion"If you're seeking a story that will ignite your senses and transport you to a world of forbidden fantasies, "Pirate's Passion" is the perfect choice. This erotic audio story invites you to join Janet and Brad on a journey of discovery, where the thrill of danger and the heat of desire combine in an unforgettable menage fantasy.Don't miss out on this tantalizing tale of passion and adventure. Listen to "Pirate's Passion" today and let the waves of desire carry you away.

Dans cet épisode de CHEFS D'ENTREPRISE-S, on reçoit Félix de La Haye, directeur général de Tomorrow Food, cabinet de conseil en stratégie restauration et loisirs qui aide hôteliers, foncières et opérateurs de grandes surfaces à créer leur offre de restauration.Félix a grandi à Compiègne, pas bon élève. Son chemin passe par une licence de droit redoublée, un départ en Australie où il découvre l'adrénaline des cuisines de Melbourne, puis un retour en France comme formateur RH chez Canard Street. Il rejoint Tomorrow Food en stage, en devient directeur général en quatre ans et pilote la cession de la boîte à un opérateur immobilier. Aujourd'hui l'agence travaille pour Marriott, la Française des Jeux, des chaînes hôtelières 4 étoiles en créant des concepts qui collent aux territoires et aux publics locaux.Un épisode sur l'art de dire à un client que son idée ne peut pas fonctionner et sur cette conviction que la restauration et les loisirs sont les seules activités que personne ne pourra se faire livrer à domicile.Cet épisode existe grâce au soutien de notre partenaire LightSpeed, une solution ultra efficace pour les professionnels qu'on vous invite à découvrir ici !

Check out Chasing Passion here: https://chasingpassion.com This week on the Midwest Flyways Podcast, the guys sit down with outdoor photographer, filmmaker, entrepreneur, and Chasing Passion Magazine founder Josh Bodkin.   Born in England, raised in Minnesota, and now calling Florida home, Josh shares his incredible journey from fishing guide to full-time creative, building Solar Wave Media, documenting adventures around the world, and creating a life centered around purpose rather than paychecks.   The conversation dives deep into entrepreneurship, storytelling, fatherhood, and what it really means to chase a passion. Josh opens up about the challenges of running a creative business, why learning to say "no" became one of the most important lessons of his career, and how becoming a father completely changed his perspective on success.   The crew also explores the connection between hunting, fishing, conservation, and storytelling. From Florida's red tide crisis and Everglades restoration efforts to Minnesota wetlands and waterfowl habitat, the conversation highlights how some of the strongest advocates for conservation are often the people who spend the most time outdoors.   Whether you're building a business, pursuing a passion project, or simply trying to create a more meaningful life, this episode is packed with insights, laughs, and perspective from someone who has spent years documenting people who live life to the fullest.   Topics Covered: Josh Bodkin's journey from Florida fishing guide to media entrepreneur Building Solar Wave Media and Chasing Passion Magazine Entrepreneurship and the realities of creative work The power of saying "no" Fatherhood and redefining success Adventure, storytelling, and outdoor culture Conservation through hunting and fishing Florida red tide and Everglades restoration Why outdoor enthusiasts are often conservationists first Living a life driven by curiosity and purpose   Thanks for listening to the Midwest Flyways Podcast and be sure to subscribe and review!   Join Flyways Hunt Club and get 1 month free! Flyways Hunt Club New Waterfowl Film out now! Out West | Waterfowl Hunting in Montana Stay comfortable, dry and warm: First Lite (Code MWF20) Go to OnXHunt to be better prepared for your hunt: OnX Learn more about better ammo: Migra Ammunitions Weatherby Sorix: Weatherby Support Conservation: DU (Code: Flyways) Stop saying "Huh?" with better hearing protection: Soundgear Live Free: Turtlebox Add motion to your spread: Flashback Better Merch: /SHOP

Kristian Stanfill has been leading worship at Passion Conference for a long time. He's seen God move in ways most worship leaders only read about. And yet, the thing he keeps coming back to isn't the stage. It's the secret place. In this episode, Keith Elgin sits down with Kristian to talk about the new Passion album Just That Good, what it looks like to prepare for something as massive as Passion Conference while still staying open-handed, and how Kristian's personal journey of healing changed the way he leads — at home, on his team, and on the platform. They also dig into what it looks like to mentor the next generation of leaders like Landon Wolfe, JJ Hasulube, Rachel Halbach, and Chidima Craig — and what Kristian would say to his younger self if he could go back. This one is practical. It's honest. And it will challenge the way you think about preparation, presence and what it actually means to lead from the inside out. If you lead worship, you have to listen to this whole episode.   Worship Online is your new secret weapon for preparing each week. With detailed song tutorials and resources, you and your team will save hours every single week, and remove the stress from preparing for a set. Try a free trial at WorshipOnline.com and see the transformation!   Mentioned in the Episode Passion Conference Just That Good   If you like what you hear, please leave us a review! Also, shoot us an e-mail at podcast@worshiponline.com. We want to know how we can better serve you and your church through this podcast. Don't forget to sign up for your FREE 2-week subscription to Worship Online at WorshipOnline.com! The Worship Online Podcast is produced by Worship Online in Nashville, TN.  

Summer is an invitation to reflect and realign around God's vision for your life. A change of season brings a shift in rhythm, routine and pace — and for most of us, that can be a blessing or a challenge.In this episode from the Passion & Purpose archives, we talk about ordering your days with God's wisdom, letting God shape the vision and motives of your life and how to practically build an intentional, holistic summer reset plan.Get Roles & Goals: https://www.jimmyseibert.com/Kitchen table conversations, biblical wisdom, and testimonies from Jimmy and the Antioch Movement.Passion & Purpose is a podcast that desires to help you fall more in love with Jesus and have a greater passion for Him and His purposes in the earth. Subscribe to my channel for weekly episodes  @jimmy_seibertFor more resources to help you in transforming your personal life and every sphere of society, visit my website at https://www.jimmyseibert.comFollow me for more ways to grow in your love for Jesus on Instagram at https://www.instagram.com/jimmy_seibert/For more information on the Antioch Movement, visit https://antioch.org

In this episode, Candice sits down with Jennifer McLeland, certified integrative wellness and life coach, to explore her remarkable journey from personal hardship to helping women reconnect with themselves. Jennifer shares how a devastating financial crisis, the loss of her family home, and a season of deep hopelessness ultimately led her toward healing, self-discovery, and a renewed sense of purpose.    In this episode, they discuss: Jennifer's personal story of losing everything and rebuilding her life from a place of hope How coaching became a turning point during one of the darkest seasons of her life Why women often lose sight of themselves while caring for everyone else The connection between self-love, self-care, and healthy boundaries How the "disco ball" became a powerful metaphor for embracing every part of who we are The role mindset plays in overall mental, emotional, physical, and spiritual wellness Practical ways to reconnect with joy, authenticity, and your own unique passions   No matter where you are on your journey, this episode is a reminder that every piece of your story matters, and when you embrace your whole self, your unique light has the power to shine brighter than ever.    About Jennifer: Jennifer McLeland is a certified integrative wellness and life coach who helps women in midlife reconnect with themselves and reclaim agency over their own lives after years of putting everyone else first. Through a whole-self approach that supports mental, emotional, physical, and spiritual well-being, she guides clients to prioritize themselves without guilt and design their next chapter with intention. Known for her warm style and a touch of disco ball energy, Jennifer creates spaces where women feel seen and supported as they rediscover their own disco ball magic. FREE Mindset Tool: https://mailchi.mp/holisticheadtotoe/gw5k596vkh Website: https://holisticheadtotoe.com IG: https://www.instagram.com/holisticheadtotoe/ FB: https://www.facebook.com/jennifer.mcleland/ ----- Connect with Candice Snyder! Website: https://www.podpage.com/passion-purpose-and-possibilities-1/ Facebook: https://www.facebook.com/candicebsnyder?_rdr Passion, Purpose, and Possibilities Community Group: https://www.facebook.com/groups/passionpurposeandpossibilitiescommunity/ Instagram: https://www.instagram.com/passionpurposepossibilities/ LinkedIn: https://www.linkedin.com/in/candicesnyder/ Shop For A Cause With Gifts That Give Back to Nonprofits: https://thekindnesscause.com/ Go to FusionaryFormulas.com and use code PASSION at checkout for 15% off your first order.  Fall In Love With Artists And Experience Joy And Calm: https://www.youtube.com/@movenartrelaxation

Teddy Baldassarre has built one of the most influential watch platforms in the world — and just as compelling as the watches themselves is the entrepreneurial story behind it.I first met Teddy almost ten years ago at StartMart in Terminal Tower, before any of this existed: before millions of followers, before the global audience, before the authorized retail partnerships, and before the beautiful physical boutique we recorded this conversation in at Crocker Park.In this episode, Teddy and I explore where his passion for watches began, how a first YouTube video evolved into one of the largest educational platforms in the watch world, and how he turned content into trust, trust into community, and community into a real business.We talk about entrepreneurship, self-expression, building online credibility, navigating the leap from digital media to commerce and physical retail, working with traditional watch brands, the enduring appeal of mechanical watches in an age where no one technically needs one, and what watches can teach us about craft, memory, status, meaning, and time itself.At its core, this is a conversation about building something that is an honest extension of who you are — and what can happen when curiosity, taste, discipline, and timing compound over the course of a decade.00:00 Introduction & Meeting Teddy01:00 Early Days: Startups, YouTube Beginnings03:00 Discovering a Passion for Watches06:00 Watches as Craft & Self-Expression08:00 Turning Passion into Business & Monetization11:00 Launching E-Commerce & the Pandemic Pivot13:00 Brand, Community, and Content16:00 Building an Approachable Watch Platform18:00 Opening the First Store & Physical Expansion20:00 Partnering with Legacy Watch Brands22:00 Storytelling, Heritage, and the Value of Watches25:00 Watches in Modern Culture & Technology28:00 Entrepreneurial Learnings & Scaling a Personal Brand32:00 Team Building and Company Culture34:00 Pride, Impact, and Alignment with Life's Work36:00 Building Trust Online38:00 Defining Success39:00 Personal Curiosity & The Future of Watchmaking41:00 Looking Ahead: Growth, Retail, and Community42:00 Why Cleveland? Building Local Roots45:00 Reflections on the Journey46:00 Cleveland Hidden Gems & City Pride49:00 Outro & Closing Remarks-----LINKS:https://www.youtube.com/teddybaldassarrehttps://teddybaldassarre.com/https://www.linkedin.com/in/teddy-baldassarre-70795890/-----Stay up to date by signing up for Lay of The Land's weekly newsletter — sign up here: https://layoftheland.ck.page/5f0c1e28faConnect with Jeffrey Stern on LinkedIn — https://www.linkedin.com/in/jeffreypstern/Follow Lay of The Land on X @podlayofthelandhttps://www.jeffreys.page/

EP 32 - "Comedy, Courage, and Creativity" | Francesco Paladino | Classically Trained Actor, Writer, Comedian, and ProducerNicole sits down with multi-hyphenate creative Francesco Paladino to unpack a career that spans Off-Broadway, television, film, and ten years on the comedy circuit. From earning his SAG card to studying with master teachers, to writing for others and eventually creating his own films and live showcases, Francesco shares how craft, courage, and continual reinvention fuel a sustainable arts career. He opens up about embracing comedy (even while pursuing serious drama), the spiritual side of creativity (trust, surrender, alignment), and why building safe, positive sets is a non- negotiable. The conversation serves as a masterclass in resilience, networking, mentorship, and mental health for creatives at all stages.

How We Seeez It! Episode 340: Buffy the Vampire Slayer Season 2, Episodes 17–20 “'Something weird is going on.'  Isn't that our school motto?” – Xander Harris We are back again for four more episodes in Season 2. We talk about Episode 17: Passion, Episode 18: Killed by Death, Episode 19: I Only Have Eyes for You, and Episode 20: Go Fish. A couple monster-of-the-week episodes with some season storyline sprinkled in. Join us for our discussion, and don't forget about our cocktails for this episode. There should be some good ones. As always, mix a drink, have a listen, and let us know what you think. Or tell us if there is something you watched that we might enjoy, or a can't-miss series. Also, please rate and review the show on all your favorite podcast apps. Drinks for the episode: "The OJ Slayer" 1¾ oz Le Breuil single malt whisky ½ oz orange juice ¼ oz grapefruit juice ½ oz lemon juice ⅜ oz Earl Grey honey syrup ⅛ oz Campari 1 dash Angostura bitters tiny pinch of salt   “That's my Drink” 2.5 oz Orange Whiskey 2.5 oz Orange energy drink 2.5 oz Deep Eddy Grapefruit Vodka  Garnish with Orange slice And a PB&J with the crust cut off   "Sexy Librarian" 2 oz gin 1 1/2 ounces elderflower liqueur  1/2 ounce Rose's lime juice  Top off with Prosecco    “The Giles” Gin and Tonic served English style with a small bottle of tonic.  Glass of Redwine Show links: https://hwsi.podbean.com/e/buffy-the-vampire-slayer-season-2-episodes-17-thru-20/  HWSI LinkTree HWSI Facebook Link HWSI Instagram Link You can also email the Podcast at the.HWSI.podcast@gmail.com

I want to talk about something that is quietly affecting a lot of nonprofit leaders: Misinformation. I've seen many organizations struggle, not because the mission wasn't important, but because the leaders were operating from incomplete, outdated, or incorrect information. They were told: "Just start a nonprofit and grants will come." "Passion is enough." "Programs are the priority." "Filing paperwork means you're ready." And over time, those ideas create confusion, frustration, and instability.

You'll never move forward with purpose until you let go of the past and pursue what truly deserves your passion.

Sound Bites"Music is my greatest passion.""It's the bears.""I married up for sure."

Pascal Praud revient pendant deux heures, sans concession, sur tous les sujets qui font l'actualité. Vous voulez réagir ? Appelez le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur les grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pascal Praud revient pendant deux heures, sans concession, sur tous les sujets qui font l'actualité. Vous voulez réagir ? Appelez le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur les grandes thématiques développées dans l'émission du jour.Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this solo episode, Sarah breaks down the critical distinction between having a passion project and building a commercially viable business. She addresses a common trap: confusing a coaching problem you love to work with with an actual, findable market niche.The Headline Trap: Why Your "What" Is Not EnoughSarah highlights a quick search she conducted on LinkedIn regarding coach headlines—the text right beneath a profile name. She found common phrases like: "I work with people who are overwhelmed.""I help people navigate transitions.""I offer space to think.""I help leaders build emotional intelligence."While these sound like niches and feel specific when typing them out, they only identify a "What" (the emotional symptom or general problem). To be commercially viable, you absolutely must couple that with a Who. The What: A problem that a potential client struggles with. The Who: The searchable, findable, and distinct community of people who experience that specific problem in a particular context. "When you say you help people with overwhelm and anxiety, you've described something that almost everyone experiences... and you've given yourself no way to find them."Shouting into the Void: The Reality of the LinkedIn AlgorithmA major misconception among coaches is how visibility works online. Many assume that if they solve a real problem, clients will naturally find them, but broadcasting general content about "anxiety" or "leadership" into a general feed rarely works. Fractional Reach: The LinkedIn algorithm does not broadcast your content to everyone, nor even to all of your connections. It shows your posts to a small fraction based on predicted engagement. No Data for the Algorithm: If your network is not mindfully curated around a specific professional audience, the algorithm has nothing to work with. It cannot reliably guess who your potential clients are, leaving you effectively posting into an empty void. Commercial Viability Requires SpecificityCommercial viability isn't solely about whether coaching can resolve a problem brilliantly; it is about whether you can deliberately curate, search for, and consistently locate an audience of people who share that challenge. A real problem without a searchable population is just a passion project. The Power of a Searchable IdentitySarah shares an example of true commercial positioning:Instead of marketing broadly to a symptom like "imposter syndrome" or "stress," a commercially viable coach might target newly promoted associates in city law firms navigating their first leadership responsibilities. Because this profile has a clear professional identity, it becomes instantly searchable and practical: You can filter LinkedIn by law firm and seniority. You can identify the industry publications they read and the conferences they attend. You can speak their industry's language instead of using vague "coach jargon." (Note: Sarah adds an important caveat—never position yourself as an expert in a specific professional context if you don't actually understand it!)Shift Your Business Thinking TodayTo challenge these deep-seated beliefs and begin the reframing process from passion project to findable community, check out Sarah's latest book, The Intersection (published February 2026). It won't spoon-feed you generic answers; instead, it provides a coached journey of precise questions to fundamentally shift your commercial perspective. Get your copy today: The Intersection is available right now on Amazon in both paperback and Kindle formats: ⁠⁠https://amzn.eu/d/09RnZBTn ⁠⁠ Have you enjoyed this episode? Find out more and take the FREE quiz at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thecoachingrevolution.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the FREE Facebook group at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/buildacoachingbusiness⁠⁠⁠⁠

In this episode of Further In, Pastor Ben Stuart, Hannah Myer, Landon Lacy, and Jacob Harkey sit down to go deeper into the text from this Sunday's sermon on Acts 13. Together, they unpack the text from Sunday, share added insights, and explore what this passage means for us today. To download the digital version of the Acts devotional mentioned in this episode, head to passiondc.link/acts13-19. — With Passion City Online you can join us live every Sunday at 9:30a and 11:30a! Join us at https://passioncitychurchdc.com — Give towards what God is doing through Passion City Church: https://passioncitychurchdc.com/give — Subscribe to our Youtube channel to see more messages https://www.youtube.com/passioncitychurchdc — Follow along with Passion City Church DC: https://www.instagram.com/passioncitydc — Follow along with Pastor Ben Stuart: https://www.instagram.com/ben_stuart_ — Passion City Church is a Jesus church with locations in Atlanta and Washington D.C. For more info on Passion, visit https://passioncitychurch.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Industrial Talk is onsite at Penn State and talking to Robert "Bob" Voigt, Professor with Penn State University about "Educating the Future Manufacturing Leaders". Overview The conversation highlights the importance of the Barcelona Cybersecurity Congress, scheduled for November 3-5, 2023. The Industrial Talk podcast, hosted by Scott Mackenzie, features an interview with Robert Voight, a professor at Penn State Behrend, discussing the Metallurgical Engineering Trade Apprenticeship and Learning (METAL) program. Voight emphasizes the hands-on experience provided to students, including foundry visits and practical metal casting. He also discusses the evolution of materials like austempered ductile iron and the integration of digital technologies to improve manufacturing efficiency and quality. Voight's contact information is available for those interested in learning more. Outline Barcelona Cybersecurity Congress Announcement Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance for cybersecurity professionals.The event is scheduled for November 3-5 in Barcelona, with networking opportunities and expert discussions.Scott mentions their own participation and encourages listeners to mark their calendars.Contact information for the event is available on Industrial Talk. Introduction to Industrial Talk Podcast The podcast focuses on industry professionals and their contributions to innovation and problem-solving.Scott reiterates the podcast's mission to celebrate industry heroes and their achievements.The podcast is broadcasting from the Metallurgical Engineering Trade Apprenticeship and Learning (METAL) program at Penn State Behrend. Introduction of Robert Voight and METAL Program Scott introduces Robert Voight, also known as Bob, and highlights his role in the METAL program.The METAL program focuses on metal-related education and business involvement.Scott praises the hands-on experience provided by the program, including foundry visits.Bob shares his excitement about teaching real-world skills to students. Hands-On Experience at Foundries Scott describes the hands-on experience of pouring aluminum and working in foundries.Bob emphasizes the importance of practical experience in metal casting.The program includes business involvement, with foundries being accommodating and supportive.Bob discusses the excitement and passion that comes from working with metal. Challenges and Solutions in Metal Casting Scott asks Bob about the challenges of metal shrinkage and quality control.Bob explains the process of solidifying metal and ensuring it meets specifications.Bob shares his background, including his education at the University of Wisconsin and his transition to Penn State.The importance of having talented people in the metal casting industry is highlighted. Passion and Future of Manufacturing Scott and Bob discuss the passion and dedication required in manufacturing.Bob emphasizes the need for top talent to attract and retain employees.The conversation touches on the generational aspect of manufacturing and the importance of passing on skills.Bob shares his experience with internships and the benefits of practical training. Evolution of Metallurgy and Material Innovation Scott and Bob discuss the evolution of metallurgy and the development of new materials.Bob explains the importance of balancing performance and manufacturability.The conversation covers the history of materials like steel and aluminum and their continuous improvement.Bob shares insights into the development of austempered ductile iron and its applications. Digital Technologies in Metal Casting Bob discusses the use of digital technologies in metal casting, including computer simulations.The digital twin concept is introduced, where simulations help in achieving real-world success.Bob emphasizes the importance of a digital thread in connecting various manufacturing details.The conversation highlights the benefits of digital technologies in improving efficiency and quality. Conclusion and Contact Information Scott expresses admiration for Bob's work and the METAL program.Bob provides his contact information for those interested in learning more about the program.Scott encourages listeners to support programs like METAL and get involved in the world of metallurgy.The podcast concludes with a reminder of the Barcelona Cybersecurity Congress and its importance for cybersecurity professionals. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2026. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! ROBERT "BOB" VOIGT'S CONTACT INFORMATION: Email: rcv2@psu.edu METAL Website: https://www.metalforamerica.org/ LinkedIn Profile: https://www.linkedin.com/in/robert-voigt-788487b/ Company Website: https://behrend.psu.edu/ PODCAST VIDEO: https://youtu.be/WfHHge8z-Mo THE STRATEGIC REASON "WHY YOU NEED TO PODCAST": OTHER GREAT INDUSTRIAL RESOURCES: NEOM: https://www.neom.com/en-us Hexagon: https://hexagon.com/ Arduino: https://www.arduino.cc/ Fictiv: https://www.fictiv.com/ Hitachi Vantara: https://www.hitachivantara.com/en-us/home.html Industrial Marketing Solutions:  https://industrialtalk.com/industrial-marketing/ Industrial Academy: https://industrialtalk.com/industrial-academy/ Industrial Dojo: https://industrialtalk.com/industrial_dojo/ We the 15: https://www.wethe15.org/ YOUR INDUSTRIAL DIGITAL TOOLBOX: LifterLMS: Get One Month Free for $1 – https://lifterlms.com/ Active Campaign: Active Campaign Link Social Jukebox: https://www.socialjukebox.com/ Industrial Academy (One Month Free Access And One Free License For Future Industrial Leader): Business Beatitude the Book Do you desire a more joy-filled, deeply-enduring sense of accomplishment and success? Live your business the way you want to live with the BUSINESS BEATITUDES...The Bridge connecting sacrifice to success. YOU NEED THE BUSINESS BEATITUDES! TAP INTO YOUR INDUSTRIAL SOUL, RESERVE YOUR COPY NOW! BE BOLD. BE BRAVE. DARE GREATLY AND CHANGE THE WORLD. GET THE BUSINESS BEATITUDES! Reserve My Copy and My 25% Discount

Ruth Cohn, MFT, CST, BCN, is a psychotherapist based in the San Francisco Bay Area who has specialized in working with survivors of trauma, neglect, and their partners and families since 1988.Since that time she has focused on childhood neglect trauma and developed Neglect-Informed Psychotherapy, an approach that integrates attachment theory with clinical practice. She is the author of Working with the Developmental Trauma of Childhood Neglect and Coming Home to Passion, along with numerous articles, podcasts, and educational resources on trauma and neglect.She is currently working on two additional books. Ruth's WebsiteHer Book — Coming Home to PassionTrauma Primer (PDF Resource)Ruth's booksRuth on YoutubeBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-trauma-therapist--5739761/support.---Thank you for listening!If you want to support the show, I've got three options and every bit helps.$5.00 PayPalhttps://www.paypal.com/ncp/payment/NPKS32G8KVSN2$10.00 PayPalhttps://www.paypal.com/ncp/payment/495AMDFXQFC3L$15.00 PayPalhttps://www.paypal.com/ncp/payment/M7V5RREUKVD8JThank you to our Sponsors: Jane App - use code GUY1MO at https://jane.app (https://jane.app/book_a_demo)Novo Psych - novopsych.com/traumapodcast

Description: Former tight end Christian Fauria joins Charles Tillman and Roman Harper on the latest episode NFL Players: Second Acts podcast. Christian shares his journey from Southern California to the University of Colorado and recounts his experience of Kordell Stewart’s game-winning Hail Mary against the University of Michigan. Then Christian reflects on learning “the Patriots Way” while playing with Bill Belichick and Tom Brady in New England and explains why he decided to move into broadcasting after his NFL career. He discusses joining Bryant University as a communications professor and reveals his favorite parts of teaching. The NFL Players: Second Acts podcast is a production of the NFL in partnership with iHeart Media. See omnystudio.com/listener for privacy information.

In Episode 349 of The Business Development Podcast, Kelly Kennedy sits down with mindset expert, transformational coach, and entrepreneur Stacey Berger for a powerful conversation about why external success is never enough if it comes at the cost of fulfillment, purpose, and personal well-being. Stacey shares her journey from growing a corporate subsidiary from a million-dollar balance sheet to $60 million, to realizing that the career she once loved no longer aligned with the life she wanted to create.This episode explores burnout, leadership, work-life harmony, mindset, purpose, and the hidden beliefs that keep high achievers stuck. Stacey opens up about the hospital wake-up call that changed everything, the decision that helped her double her income while working half the hours, and why success begins by asking better questions. For entrepreneurs, executives, and ambitious leaders, this conversation is a reminder that you can never outperform your mindset, and that building a life you love starts with choosing a different way forward.Key Takeaways: You can never outperform your mindset. Your beliefs ultimately determine the actions you take, the opportunities you see, and the results you create.Success without fulfillment will eventually catch up to you. Titles, income, and achievements are not substitutes for purpose, alignment, and joy.Burnout often disguises itself as ambition. Many high performers don't realize they're burning out because they view exhaustion as a normal part of success.The quality of your life is determined by the quality of the questions you ask. Replacing "I can't" with "What if I could?" opens the door to new possibilities and solutions.Work-life balance is a myth. True success comes from creating harmony between the different areas of your life rather than trying to perfectly balance them.Your subconscious beliefs are driving most of your decisions. If you want different results, you must first identify and challenge the beliefs that are shaping your behavior.Purpose does not need to be complicated. Knowing what gives you life, energy, growth, freedom, and fulfillment is often enough to start moving in the right direction.Success is not about working longer, harder, and faster. Sustainable success comes from combining the right mindset with the right strategy rather than relying on hustle alone.If you are unhappy, waiting rarely changes anything. Transformation often begins with a decision to stop accepting the status quo and take responsibility for your own happiness.Life is too short to live someone else's version of success. The greatest regret is often not what we did, but what we failed to pursue because fear, comfort, or circumstances convinced us to stay where we were.Get in Touch with Stacey BergerConnect with Stacey Berger on LinkedIn:https://www.linkedin.com/in/stacey-berger/Learn more about Stacey's coaching, programs, and transformational work:www.staceyberger.caGet your tickets for Passion to Purpose Live, happening in October 2026:https://staceyberger.thrivecart.com/ppl-super-early-bird/

Description: Former tight end Christian Fauria joins Charles Tillman and Roman Harper on the latest episode NFL Players: Second Acts podcast. Christian shares his journey from Southern California to the University of Colorado and recounts his experience of Kordell Stewart’s game-winning Hail Mary against the University of Michigan. Then Christian reflects on learning “the Patriots Way” while playing with Bill Belichick and Tom Brady in New England and explains why he decided to move into broadcasting after his NFL career. He discusses joining Bryant University as a communications professor and reveals his favorite parts of teaching. The NFL Players: Second Acts podcast is a production of the NFL in partnership with iHeart Media. See omnystudio.com/listener for privacy information.

Wendy Valentine is an internationally published author of Women Waking Up: The Midlife Manifesto for Passion, Purpose, and Play, an inspiring book that became a #1 Amazon New Release, Founder of Midlifology™, and Keynote Speaker. She's also the host of the top 1% globally ranked podcast, The Midlife Makeover Show, inspiring women worldwide to embrace midlife as a powerful new beginning.   After navigating divorce, menopause, job loss, debt, and an empty nest—all at once—Wendy stopped living on autopilot and started designing a life that finally felt like her own. Her journey from breakdown to breakthrough fuels everything she does.   Today, Wendy empowers women to kick fear to the curb, reconnect with their purpose, and create bold, joy-fueled lives. She's been featured on Good Day New York, CBS News Los Angeles, NBC News Philadelphia, and numerous top-rated podcasts and media outlets, where she shares her empowering message that midlife isn't a crisis—it's a catalyst.   Splitting her time between Portugal and traveling the USA in her RV, Wendy is living proof that life gets better—not smaller—with age.  

How do artists help communities survive violence, heal trauma, and imagine a future beyond conflict?In this episode of Art Is Change, Bill Cleveland speaks with activist, educator, filmmaker, writer, and peacebuilding scholar Cynthia Cohen about a lifetime spent exploring the relationship between creativity, storytelling, conflict, and democratic life.Drawing on experiences ranging from Jewish-Palestinian dialogue projects in Boston to peacebuilding initiatives in Peru, Sri Lanka, Serbia, Northern Ireland, and beyond, Cynthia reflects on the role artists play in helping communities navigate violence, hold competing truths, and create the conditions for healing and transformation.In this episode you'll discover:• Why listening may be the most important creative and civic skill of all — and how deep listening can help people move beyond fear, polarization, and inherited narratives.• How artists and cultural workers contribute to peacebuilding — by creating spaces where difficult stories can be shared, contradictions can be held, and communities can imagine alternatives to violence.• Why arts and culture matter in the struggle against authoritarianism — and how creativity, empathy, and conflict transformation can strengthen democratic life during times of upheaval.PEOPLEHow do artists help communities survive violence, heal trauma, and imagine a future beyond conflict?In this episode of Art Is Change, Bill Cleveland speaks with activist, educator, filmmaker, writer, and peacebuilding scholar Cynthia Cohen about a lifetime spent exploring the relationship between creativity, storytelling, conflict, and democratic life.Drawing on experiences ranging from Jewish-Palestinian dialogue projects in Boston to peacebuilding initiatives in Peru, Sri Lanka, Serbia, Northern Ireland, and beyond, Cynthia reflects on the role artists play in helping communities navigate violence, hold competing truths, and create the conditions for healing and transformation.In this episode you'll discover:Why listening may be the most important creative and civic skill of all — and how deep listening can help people move beyond fear, polarization, and inherited narratives.How artists and cultural workers contribute to peacebuilding — by creating spaces where difficult stories can be shared, contradictions can be held, and communities can imagine alternatives to violence.Why arts and culture matter in the struggle against authoritarianism — and how creativity, empathy, and conflict transformation can strengthen democratic life during times of upheaval.PEOPLECynthia Cohen — Peacebuilding scholar, educator, writer, and cultural worker whose research and field-building efforts have helped establish the international field of arts, culture, and conflict transformation.John O'Neal — Civil rights organizer, theater artist, and co-founder of the Free Southern Theater. O'Neal championed the role of arts and storytelling in advancing freedom, civic participation, and social justice.Dijana Milošević — Serbian theater director, peacebuilder, and founder of DAH Theatre, internationally recognized for using performance to confront war, nationalism, and social division.Roberta Levitow — Co-founder of Theatre Without Borders and a leading advocate for international theater collaboration, peacebuilding, and cultural exchange.John Paul Lederach — Influential peacebuilding theorist whose concepts of conflict transformation and “elicitive” practice have shaped reconciliation work worldwide.Jane Sapp — Musician, educator, and cultural worker whose community-based arts practice connects storytelling, history, civic engagement, and cultural memory.Ana Correa — Actor, activist, and longtime member of Grupo Cultural Yuyachkani whose work has focused on memory, human rights, and community healing in Peru.Ocean Vuong — Acclaimed poet and novelist whose work explores language, migration, identity, memory, and the dignity of lived experience.ORGANIZATIONSThe Charles F. Kettering Foundation — The Charles F. Kettering Foundation, headquartered in Dayton, Ohio, is a nonpartisan, nonprofit, operating foundation with a mission to advance inclusive democracies worldwide by fostering citizen engagement, promoting government accountability, and countering authoritarianism.Democracy and the Arts — The Kettering Foundation's focus area for integrating the power of the arts into democratic life locally, nationally, and globally.Theatre Without Borders — International network of theater artists and cultural workers committed to global collaboration, peacebuilding, and social change through performance.Grupo Cultural Yuyachkani — Peru's renowned theater collective whose work combines indigenous traditions, political theater, ritual practice, and human rights advocacy.DAH Theatre — Belgrade-based theater company using artistic practice to confront violence, build dialogue, and foster civic engagement.Palestinian House of Friendship — Community-based organization in Nablus supporting young people through arts, education, cultural programs, recreation, and civic engagement.Free Southern Theater — Groundbreaking Civil Rights-era theater organization dedicated to bringing performance and cultural expression to underserved Black communities throughout the American South.ACTIVITIES & EVENTSActing Together on the World Stage — International research, documentation, and convening project exploring how artists and cultural workers contribute to peacebuilding, reconciliation, and conflict transformation.A Passion for Life: Palestinian and Jewish Women in Boston — Cynthia Cohen's oral history and cultural exchange project bringing Palestinian and Jewish women together through storytelling, folk traditions, family histories, and artistic practice.Peru Truth and Reconciliation Commission — National truth commission established after Peru's internal conflict. Grupo Cultural Yuyachkani collaborated alongside communities affected by violence and displacement.PUBLICATIONS & MEDIAActing Together: Performance and the Creative Transformation of Conflict (Volume 1) — Landmark collection documenting artists, cultural workers, and peacebuilders using performance to address conflict and social division around the world.Acting Together on the World Stage (Film) — Documentary film featuring artists working in regions affected by violence, oppression, and conflict, highlighting the role of performance in healing and transformation.

Passion doesn't drive work — fascination does, says venture capitalist and author Bill Gurley. Drawing on years of research into the lives of high achievers, he shows why obsessive, lifelong learning is the real engine of career excellence. Hosted on Acast. See acast.com/privacy for more information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

Tuesday Follow Along Holy Rosary - Sorrowful Mysteries - SPOKEN MALE VOICE with inspired visuals and music Prayerful visuals and peaceful music accompany your prayer space as we ask the Blessed Mary to hear our intentions and intercede for us alongside this visual rosary. This rosary contains the sorrowful mysteries, recited on Tuesdays and Fridays  These mysteries focus on Christ's Passion and death, with fruits like sorrow for sin and patience. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - SORROWFUL TUESDAY - SPOKEN ONLY https://youtu.be/xuBcmbi8XKM MOST VIEWED TUESDAY ROSARY: Calm Music    https://youtu.be/tcryvk5IlmY MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome All music in this video is licensed thru Epidemic Sound Publishing. Visual artwork created with MidJourney and Adobe. Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simple, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature a variety of calm background music and nature soundscapes.   Choose from audio only or follow along videos with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  A short or long version rosary before sleep, while sleeping or at any time of the day will bring you renewed focus and peace.  For every mood, you can journey deeper and pray a rosary today on YouTube. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #SorrowfulMysteries #CatholicMeditation #TuesdayRosary #todayrosary #todayrosaryinenglish

“Delegate sooner, create systems faster. Outsource everything you possibly can. The faster you do that, the less chance of burnout, and the longer you can last in your business.” – Kelly Lorenzen Today's featured fellow bookcaster is a wife, mom, award-winning entrepreneur, philanthropist, breast cancer survivor, and CEO of KLM Consulting, Marketing & Management, Kelly Lorenzen. Kelly and I had a chat about her book, “Do What You Love and Outsource Everything Else ®: Entrepreneurship 101: Start, Grow, and Succeed Without Burning Out”, how surviving breast cancer reshaped her approach to business, her favorite AI tools for content creation, and more!Key Things You'll Learn:How her family's entrepreneurial background inspired her to start her own businessSome common pitfalls new businesses must avoidWhat inspired Kelly to become an author and what she learned from the writing process of her 1st bookThree major lessons learned from starting, growing, and running her podcastKelly's Site: https://duplicatemyselfklm.com/Kelly's Book: https://a.co/d/06cDe13RKelly's Podcast, “Collaborative Connections”: https://open.spotify.com/show/03iriawqy2NqUAxbeTwpre?si=8721d09e8c5941a9The opening track is titled, “Unknown From M.E. | Sonic Adventure 2 ~ City Pop Remix” by Iridium Beats. To listen to and download the full track, click the following link. https://www.patreon.com/posts/sonic-adventure-136084016 Please support today's podcast to keep this content coming! CashApp: $DomBrightmonDonate on PayPal: @DBrightmonBuy Me a Coffee: https://www.buymeacoffee.com/dombrightmonGet Going North T-Shirts, Stickers, and More: https://www.teepublic.com/stores/dom-brightmonThe Going North Advancement Compass: https://a.co/d/bA9awotYou May Also Like…583 – How to Be the Face of Your Business with Tonya Eberhart (@brandfacestar): https://www.goingnorthpodcast.com/ep-583-how-to-be-the-face-of-your-business-with-tonya-eberhart-brandfacestar/1033 – How to Take Imperfect Action and Thrive in Business and Life with Bridget Hom (@HomBridget): https://www.goingnorthpodcast.com/ep-1033-how-to-take-imperfect-action-and-thrive-in-business-and-life-with-bridget-hom-hombridge/488.5 – Create, Innovate & Dominate with Tracy Hazzard (@hazzdesign): https://www.goingnorthpodcast.com/ep-4885-create-innovate-dominate-with-tracy-hazzard-hazzdesign/261.5 (Host 2 Host Special) – The Outsourcing Playbook with Kris Ward (@krisward): https://www.goingnorthpodcast.com/2615-host-2-host-special-the-outsourcing-playbook-with-kris-ward-krisward/541 – “Roadmap to Revenue” with Kristin Zhivago (@KristinZhivago): https://www.goingnorthpodcast.com/ep-541-roadmap-to-revenue-with-kristin-zhivago-kristinzhivago/983 – How Neuroscience Can Fuel Your Book & Life Success with Sara Connell: https://www.goingnorthpodcast.com/saracconnell/1034 – Overcoming the “Silent Killer” and Helping Others Grow As Leaders with Wendy Gunn: https://www.goingnorthpodcast.com/ep-1034-overcoming-the-silent-killer-and-helping-others-grow-as-leaders-with-wendy-gunn/1062 – From Unsure to Unshakeable with Simone Knego (@SimoneKnego): https://www.goingnorthpodcast.com/ep-1062-from-unsure-to-unshakeable-with-simone-knego-simoneknego/509 - Exit Rich With Michelle Seiler Tucker (@MSeilerTucker): https://www.goingnorthpodcast.com/ep-509-exit-rich-with-michelle-seiler-tucker-mseilertucker/954 – The Courage To Leave from Toxic Workplaces with Jeff Davis (@JeffDavis027): https://www.goingnorthpodcast.com/ep-954-the-courage-to-leave-from-toxic-workplaces-with-jeff-davis-jeffdavis027/905 – Leadership Lessons From A Resourceful Human Results Professional with Brenda Neckvatal: https://www.goingnorthpodcast.com/ep-905-leadership-lessons-from-a-resourceful-human-results-professional-with-brenda-neckvatal-b/821 – How to Spark Your Curiosity & Live Bravely with Heather Vickery: https://www.goingnorthpodcast.com/ep-821-how-to-spark-your-curiosity-live-bravely-with-heather-vickery/

For a deeper study of God's Word, plus daily resources for your walk with Jesus, visit https://passionequip.com/. — With Passion City Online, you can join us every Sunday live at 9:30a and 11:45a, and our gatherings are available on-demand starting at 7p! Join us at https://passioncitychurch.com — Subscribe to our channel to see more messages from Passion City Church:  https://www.youtube.com/passioncitychurch — Looking for content for your Kids? Subscribe to our Passion Kids Channel: https://passion.link/passionkidsonline  — If you would like to give to our house, visit https://passioncitychurch.com/give/ — Check out Passion's books, music, and more at https://passionresources.com/ — At Passion City Church, we believe that because God has displayed the ultimate sacrifice in Jesus, our response to that in worship must be extravagant. It is our privilege and our created purpose to reflect God's Glory to Him through our praise, our sacrifice, and our song.  — Follow Passion City Church: https://www.instagram.com/passioncity/  Follow Louie Giglio: https://www.instagram.com/louiegiglio  Passion City Church is a Jesus church with locations in Atlanta and Washington D.C. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Acts 13, we see a turning point in the story of the early church. While most people move through life trying to get something—more success, more comfort, more security—the followers of Jesus were sent to give the world the most important message it has ever heard. As the Holy Spirit sends Paul and Barnabas from Antioch, the Gospel begins moving toward the ends of the earth. Why? Because the gospel was never meant to stay still. In this message, Pastor Ben Stuart shares eight powerful attributes of the Gospel and shows us how God uses ordinary people are used to carry the hope of Jesus to a world in need. Whether you're searching for purpose, direction, or a deeper understanding of God's mission, Acts 13 reminds us that we are called not just to receive the Gospel, but to share it. Key Verses // Acts 13  — Give towards what God is doing through Passion City Church: passiondc.link/give  — Subscribe to our Youtube channel to see more messages: www.youtube.com/passioncitychurchdc — Follow along with Passion City Church DC: www.instagram.com/passioncitydc — Follow along with Pastor Ben Stuart: www.instagram.com/ben_stuart_ — Passion City Church is a Jesus church with locations in Atlanta and Washington D.C. For more info on Passion, visit https://passioncitychurch.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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