Podcasts about PLEX

Apple Intelligence translation, taming your Desktop, fixing 4K Mac displays, iCloud email tips, and the Plex price hike.

This week Brian with a B and Amferny watch the 2026 horror comedy, Amityvillenado. Amityvillenado is the story of a haunted tornado created from the destruction of the DeFeo house that is killing the residents of Amityville and the group of paranormal investigators trying to stop it's murder spree. This movie is directed by Paul Tucker and Jeff Van Gerwen and stars Trey Ball, Jib Haddan, Elizabeth McCoy, Clay Aleman and Will Hoffpauir. This movie is available on PLEX, Vudu, Apple TV and Prime Video. Instagram Links: Follow Paul Tucker @duckjoystick Follow Amityvillenado @amityvillenado Follow Jeff Van Gerwen @jeffvangerwen Follow Jib Haddan @jibhaddan Follow Elizabeth McCoy @freckledporcelain Follow Clay Aleman @clayayay

 Discover the quirks of B-movies as we explore 'The Mind Snatchers' and 'Devil's Dynamite.' Learn why these films are worth your time and where to find them. When it comes to cinema, not every film is created equal. Some are masterpieces, while others fall into the category of B-movies—films that may not be critically acclaimed but offer unique entertainment value. In this post, we'll delve into two intriguing B-films: **'The Mind Snatchers'** and **'Devil's Dynamite.'**  By the end, you'll understand what makes these films both fascinating and frustrating, and maybe even find the motivation to give them a watch. ## About 'The Mind Snatchers'   **Quick overview of the film**   Released in 1972, 'The Mind Snatchers' features Christopher Walken in one of his early roles. This film, also known by its original title **'The Happiness Cage,'** explores themes of psychological manipulation and the human mind. Although it has garnered a cult following, many viewers find it perplexing and somewhat bewildering. ### Why This Film Matters   - **Psychological Themes:** The film dives deep into the human psyche, exploring what happens when control is taken away. - **Cult Classic Status:** While not a mainstream success, its offbeat narrative has allowed it to maintain a special place in B-movie history. ## Discovering 'Devil's Dynamite'   **Overview and Context**   'Devil's Dynamite,' often associated with the infamous Godfrey Ho, is a film notorious for its confusing plotlines and unique charm. Known for its bizarre editing and surreal visuals, it's a sequel to **'Robo Vampire'**—a fact that only adds to its eccentricity.  ### The Appeal of Godfrey Ho Films   - **Entertaining Ineptitude:** Godfrey Ho's films are known for their low budget and questionable production quality, which often leads to unintentional humor. - **Cult Following:** Much like 'The Mind Snatchers,' these films have their own dedicated audience who appreciate the absurdity. ## Finding These Films   ### Tips for Streaming   Both films can be tricky to find on popular streaming platforms. Here are some tips for locating them: - **Search Engines:** Utilize websites like JustWatch to find where these films are available. - **Streaming Services:** Look for them on services that specialize in independent and B-movies, such as Tubi and Plex. ### Common Search Issues   Many users experience difficulty in finding these titles on mainstream platforms. It's recommended to type the full title and check alternative listings if results are sparse.  ## Key Takeaways   - B-movies like 'The Mind Snatchers' and 'Devil's Dynamite' offer a unique viewing experience that can be both entertaining and perplexing. - Understanding the context and history behind these films enhances appreciation for their unconventional storytelling. - If you're curious about the world of B-movies, these titles are a great starting point. ## Conclusion   In summary, both 'The Mind Snatchers' and 'Devil's Dynamite' showcase the quirks and charm of B-movies. While they may not be for everyone, they provide a glimpse into the creativity and sometimes chaotic nature of filmmaking. So why not give them a try? Who knows, you might just discover a new favorite.  

Massive price hikes hit Plex, Valve, and Sony this week. Is your tech budget safe? Plus, we look at Google and Spotify's new value features. The post Entertainment 2.0 #711 – Plex, PlayStation, and the Price Hike Era appeared first on The Digital Media Zone.

Will & Jared complete their Matt Johnson miniseries with a found footage flick of four CIA operatives and their fictitious trip to the Moon. This week, we discuss Operation Avalanche.What surprises Will about how some of Operation Avalanche was sneakily filmed? What series of TV shows has Jared dived headlong into finally? What county will Will travel to next month? Does Jared discover a soundboard and get carried away? Listen to find out!Operation Avalanche is available to watch on Tubi, Plex, Fawsome, and Kanopy.Intro by AJ Stillabower (ajstillabower.com).Our outro track is "Gymnopedie No. 1" by Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 LicenseYou can listen to Reno Championship Wrestling & Spellbound and Gagged anywhere you get podcasts.Email the show at debaserpod@gmail.comFollow Debaser on Instagram, Bluesky, and Facebook.Follow Will on Instagram and Jared on Bluesky.Cover art by @DogBitesBackNY

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/5-24-2026-docMembers ShowFourthwallPatreon

Send us a text!Watch this ep on YouTube! THIS WEEK: •

On this week's show: Google I/O 2026 is all about agentic AI and Search that answers before you ask, Homey hikes hardware prices and Plex triples its Lifetime Pass price, Hubitat hooks up with Ring, UniFi announces a new 5G backup, Birdie Pro faints at bad air, and iGarden's robot goes for an Olympic clean. A pick of the week, project updates, and so much more!

In Touch with iOS episode 424, Dave Ginsburg is joined by Jeff Gamet, Guy Serle, Marty Jencius, Jill McKinley, and Eric Bolden to discuss Apple's latest Vision Pro immersive soccer documentary, WWDC 2026 announcements, AI-powered accessibility features, Google's new smart glasses, and Apple's growing education push with MacBook Neo devices. The panel also covers Plex's massive price increase, Meta layoffs, Fortnite's return to the App Store, new Mac apps, and Apple filming an MLS match entirely on iPhone 17 Pro devices. Plenty of laughs, tech insight, and Macstock excitement round out the show. The show notes are at InTouchwithiOS.com  Direct Link to Audio  Links to our Show Give us a review on Apple Podcasts! CLICK HERE we would really appreciate it! Click this link Buy me a Coffee to support the show we would really appreciate it. intouchwithios.com/coffee  Another way to support the show is to become a Patreon member patreon.com/intouchwithios Website: In Touch With iOS YouTube Channel In Touch with iOS Magazine on Flipboard Facebook Page BlueSky Mastodon X Instagram Threads Summary In episode 424 of In Touch With iOS, Dave Ginsburg is joined by Jeff Gamet, Guy Serle, Marty Jencius, Jill McKinley, and Eric Bolden for a packed discussion covering Apple news, Vision Pro updates, WWDC anticipation, accessibility improvements, AI-powered gadgets, and plenty of laughs along the way. The show opens with discussion around Apple's latest immersive Vision Pro experience, "Real Madrid: The Weight of Greatness," a new Apple Immersive Video documentary filmed using more than 30 Blackmagic cameras during the 2025 Champions League. The panel talks about Apple continuing to expand immersive sports storytelling while also connecting it to the company's growing MLS partnership. The conversation quickly turns humorous as Guy wonders whether there's a "fake Madrid," while Jeff enjoys Dave's attempts at pronouncing soccer player names. The team then dives into Google's upcoming AI smart glasses announced during Google I/O. These audio-first glasses, developed with Samsung and Warby Parker, sparked debate over privacy, practicality, and whether anyone actually wants AI glasses without displays. Marty compares them to Meta's Ray-Ban glasses, while Jeff jokes they're "birth control glasses." The panel also raises concerns about privacy, facial recognition, and always-on cameras in public spaces. WWDC 2026 excitement continues building as Apple officially announced the keynote schedule and media invitations for June 8. The group discusses rumors surrounding iOS 27, Siri upgrades, AI integration, and the annual anticipation surrounding Apple's biggest software event. Jill shares that she's often more excited about software announcements than hardware reveals, while Dave calls WWDC "a holiday." The panel also spends time discussing Apple's preview of new accessibility features powered by Apple Intelligence. Updates to VoiceOver, Magnifier, Accessibility Reader, subtitles, and Vision Pro wheelchair controls impressed the group, with several hosts sharing personal stories about how accessibility tools already help them daily. The team praises Apple for remaining an industry leader in accessibility innovation year after year. On the Mac side, the discussion focuses on Kansas City Public Schools transitioning 30,000 students away from Windows PCs and Chromebooks to Apple devices, including MacBook Neo laptops. The panel talks about Apple's growing affordability in education, the long-term benefits of students learning on macOS, and how Apple Silicon helped Apple finally compete aggressively at lower price points. Dave also highlights Hovercraft, a new Mac app designed to improve presentations during video calls without fully replacing the presenter's camera feed. The panel compares the lightweight tool to Ecamm Live while discussing whether the app's one-time pricing model is sustainable. A new recurring segment debuts: "In Touch with Jeff's Blog," where Jeff discusses Meta laying off 8,000 employees while aggressively shifting focus toward AI initiatives. The panel critiques Meta's priorities, especially layoffs impacting cybersecurity and integrity teams, and debates whether the company is simply chasing the next big trend. Jeff's second blog topic covers Plex dramatically increasing the price of its lifetime Plex Pass license from $249 to $749. The panel reacts with disbelief, jokes about "lifetime" depending on your age, and discusses how subscription pricing models continue reshaping software businesses. Topics and Links In Touch With Vision Pro this week.  Apple Immersive video on Real Madrid coming this week to Vision Pro  Trailer: Apple Vision Pro: Official Trailer for Real Madrid: The Weight of Greatness Google's First AI Smart Glasses Launching This Fall With iPhone Support Beta this week. iOS 26.5 was released last week no beta this week before WWDC.. we think. In Touch With Mac this week Kansas City Public Schools to replace 30,000 Windows PCs and Chromebooks with Apple devices Hovercraft is a new Mac app that makes video call presentations feel more personal https://sandwich.vision/hovercraft New Segment: In Touch WIth Jeff's Blog Jeff Gamet -Blog Link Zuckerberg Sacrifices 8000 Employees for AI Dream Plex Lifetime Pass Gets a $500 Price Hike Other Topics Apple Announces WWDC 2026 Schedule, Sends Media Invites  Happy 25th Apple Retail Stores Apple's First Retail Stores Opened 25 Years Ago Today Apple unveils new accessibility features, and updates with Apple Intelligence  Apple Re-Releases a Sold-Out iPhone MagSafe Grip in Three New Colors This is for Jeff Cats Lock for Mac Stops Your Cat From Causing Keyboard Havoc Link to app: Cats Lock For Eric: Birdfy Review: Smart Bird Feeders and Bird Bath Put to the Test News Nintendo's New 'Pictonico' iOS Game Turns Your Photos Into Minigames Fortnite Returns to the App Store Worldwide as Epic Signals 'Final Battle' With Apple iPhone 17 Pro Will Make Sports History This Weekend - MacRumors Announcements Macstock X is here celebrating its 10th anniversary ! Dave, Chuck, Jeff, Marty, and Jill are all speaking this year!. With Three Full Days of expert-led Presentations and Workshops, Macstock's sessions are crammed full of productivity-enhancing content. NEW this year is a partnership with sponsor Ecamm. Ecamm Creator Camp: Mac Edition on July 9, 2026 there are only 100 tickets available for the bundle. There are 2 passes available: Macstock weekend pass July 10,11,12, 2026 or the Macstock Ecamm Bundle starting July 9 (only 100 tickets available)  Come join us. Register HERE and use our offer code INTOUCH to save $50 Our Host Dave Ginsburg is an IT professional supporting Mac, iOS and Windows users and shares his wealth of knowledge of iPhone, iPad, Apple Watch, Apple TV and related technologies. Visit the YouTube channel https://youtube.com/intouchwithios follow him on Mastodon @daveg65, , BlueSky @daveg65  and the show @intouchwithios   Our Regular Contributors Jeff Gamet is a podcaster, technology blogger, artist, and author. Previously, he was The Mac Observer's managing editor, and Smile's TextExpander Evangelist. You can find him on Mastadon @jgamet Pixelfed @jgamet@pixelfed.social and Bluesky @jgamet.bsky.social‬ Podcasts The Context Machine Podcast  Retro Rewatch Retro Rewatch His YouTube channel https://youtube.com/jgamet Marty Jencius, Ph.D., is a professor of counselor education at Kent State University, where he researches, writes, and trains about using technology in teaching and mental health practice. His podcasts include Vision Pro Files, The Tech Savvy Professor and Circular Firing Squad Podcast. Find him at jencius@mastodon.social  https://thepodtalk.net  Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him by email at eabolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast.   Jill McKinley works in enterprise software, server administration, and IT A lifelong tech enthusiast, she started her career with Windows but is now an avid Apple fan. Beyond technology, she shares her insights on nature, faith, and personal growth through her podcasts—Buzz Blossom & Squeak, Start with Small Steps, and The Bible in Small Steps. Watch her content on YouTube at @startwithsmallsteps and follow her on X @schmern. Find all her work at http://jillfromthenorthwoods.com  Chuck Joiner is the host of MacVoices and hosts video podcasts with influential members of the Apple community. Make sure to visit macvoices.com and subscribe to his podcast. You can follow him on Twitter @chuckjoiner and join his MacVoices Facebook group. Guy Serle is one of the hosts of the new The Gmen Show along with GazMaz and email GMenshow@icloud.com  @MacParrot and @VertShark on X  Vertshark on YouTube, Google Voice +1 Area code  703-828-4677

Burnie and Ashley Stephen Colbert, Sir Peter Jackson, new Lord of the Rings, Plex triples lifetime subscription, British adjectives, Last Ship Standing, and the end of Destiny 2.

Google I/O 2026 was packed with AI, wild AGI predictions, Gemini Agents, and 1,000 product names, plus WWDC invites, Apple's iOS 27 accessibility features may hint at the new Siri, growing AI backlash, and Stephen tries to convince Jason to use Plex.Member Promo Code: IWANTCHAPTERS (Click above and the $2.50 promo will be auto applied!)Top Five Tech | Stephen's PodcastCreative Effort | Jason's PodcastWatch on YouTube!Show Notes via EmailEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads ------------------------------ Sponsors:Copilot Money - Limited-time: Get 2 months FREE when you sign up at: try.copilot.money/primaryShopify - Sign up for your one-dollar-per-month trial and start selling today at: shopify.com/primaryNordLayer - Get up to 22% off NordLayer yearly plans plus 10% on top with the coupon code: PRIMARTYTECHNOLOGY10 at: nordlayer.com/primarytechnology------------------------------ Links from the showThe Googlebook Doesn't Make Any Sense - IncGemini Task Automation - YouTube‎InnerPulse - App Store‎Symphony for Apple Music App - App Store‎Smart Budget: WalletPal App - App StoreApple kicks off Worldwide Developers Conference on June 8 - AppleGoogle I/O '26 Keynote - YouTubeThe 13 biggest announcements at Google I/O 2026 | The VergeiOS 27 Accessibility Features - YouTubeApple unveils new accessibility features, and updates with Apple Intelligence - AppleApple just revealed an iOS 27 feature that hints at Siri's new powers - 9to5MacThis App Makes iPhone Shortcuts for You - YouTubeApple Sports App Updated With 2026 World Cup Features, Expands to 90 More Countries - MacRumorsVOX Acquired - nytimesPlex Tripling Lifetime Plex Pass Price to $750 in July - MacRumorsEx-Google CEO Booed at CommencementElon vs Altman Verdict nytimes.comComply TrueGrip MAXCharjen AirFoams Pro Active Ear Tips for AirPods Pro 3 (00:00) - Intro (04:30) - App Shout Outs (08:45) - WWDC Media Invites (10:55) - Google I/O Keynote (16:30) - Google Omni (18:45) - C2PA AI Tagging (23:11) - Gemini 3.5 Flash (23:25) - Antigravity 2.0 (25:55) - Gemini Spark (32:36) - AI Search (40:14) - Sponsor: Copilot Money (41:44) - Sponsor: Shopify (43:09) - Sponsor: NordLayer (45:05) - Google Universal Cart (50:40) - Google Creative Tools (52:15) - AI Audio Glasses (55:21) - WeatherNext (59:27) - iOS 27 New Features (01:05:29) - Apple Sports (01:14:26) - Plex Pricing (01:15:51) - Gen Z Hates AI (01:17:56) - Elon Loses to Altman (01:19:58) - AirPods Pro 3 Tips ★ Support this podcast ★

Tony: -Carbonation Station: Redbull Summer Edition -The Android Show I/O 2026: https://www.engadget.com/2171038/everything-announced-at-android-show-google-io-2026/ -New super high end Sony headphones: https://www.engadget.com/2176369/sony-1000x-the-collexion-review/ Jarron:  -Hauntings could be caused by infrasound: https://arstechnica.com/science/2026/04/that-spooky-sensation-likely-due-to-rumbling-pipes-not-spirits/ -Google I/O: https://www.theverge.com/tech/933415/google-io-2026-biggest-announcements-ai-gemini -Elon Musk loses. HAHAHAHAHAHAHA. Elon Musk Loses Lawsuit Against OpenAI -Hell has frozen over: AT＆amp;T, Verizon, T-Mobile Team Up To Eliminate 'Dead Zones' Across US Owen: -Sad Musk. https://yro.slashdot.org/story/26/05/18/1845222/elon-musk-loses-lawsuit-against-openai -WTF Plex?! Plex's lifetime subscription cost is tripling to $750 Lando: -We are living in the future!! Pizza delivery by drone! https://www.entrepreneur.com/business-news/little-caesars-just-made-history-with-drone-delivery

Its time to start your engines, because a new Forza Horizon is out and ready to be driven, and all in the shadow of Mt. Fuji. Plus XBOX may have to go back to exclusives, while PlayStation is ditching PC. HBO gave us our first real look at Lanterns ahead of its August release, and PlayStation is also hoping on the price increase train, as PS+ gets a hike.

En este episodio Ivan nos habla de Plex y su nuevo precio forever, de la vuelta de Fortnite a App Store y... de que pagar un Apple Care+ no implica que te arreglen nada.

Join The Full Nerd gang as they talk about the latest PC building news. In this episode the gang talks FSR 4.1 support coming to RDNA 3 and RDNA 2 Radeon GPUs (including handhelds?), whether or not there are good AI use cases for nerds like us, and more. And of course we answer questions live! Timecodes: 00:00:00 - Intro 00:03:23 - Good AI for nerds? 00:52:30 - FSR 4.1 coming to old Radeon 01:01:20 - No more PS games on PC 01:19:00 - Q&A Links: - AI diagnoses Plex server: https://www.pcworld.com/article/3055124/gemini-gave-my-plex-server-a-checkup-its-diagnosis-surprised-me.html - OpenClaw talk on Dual Boot Diaries: https://www.youtube.com/watch?v=e5s2Lzf4iOY - FSR 4.1 on older Radeon GPUs: https://www.pcworld.com/article/3139796/amd-is-bringing-fsr-4-to-older-radeon-cards-but-youll-have-to-wait.html - No more Playstation on PC: https://www.pcworld.com/article/3142776/say-goodbye-to-most-playstation-exclusives-on-pc.html Join the PC related discussions and ask us questions on Discord: https://discord.gg/UWhjwg778a Follow the crew on X and Bluesky: @AdamPMurray @BradChacos @MorphingBall @WillSmith Some links may contain affiliate links, which means if you buy something PCWorld may receive a small commission. ============= Read PCWorld! Website: http://www.pcworld.com Newsletter: http://www.pcworld.com/newsletters/signup ============= Learn more about your ad choices. Visit megaphone.fm/adchoices

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/5-17-2026-docMembers ShowFourthwallPatreon

Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 28th at 8:00 PM Eastern Time. Keith describes how a plain long-term single-family rental can quietly build wealth in ways most investors overlook, using his "GRE Duck" framework to illustrate returns beyond simple cash flow. He also emphasizes the passive income potential of buy-and-hold properties, detailing factors like: appreciation, principal paydown, tax benefits, and inflation. An Oklahoma-based investor and provider then joins Keith to introduce Oklahoma City and nearby markets as emerging options for cash flow–focused buyers.  Together, they explore why this lesser-known market and a straightforward buy-and-hold approach may deserve a closer look from investors. Episode Page: GetRichEducation.com/606 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. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate duck is quacking. Learn what that's all about. See how you could expect to profit $2,500 every month just from a normal long term rental. Then the most important message that I have to tell you in years. And finally, we explore a market where new build single family rentals cost $145,000 all today on get rich, education, flock homes helps multi family 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 valuation, see if your property qualifies. At flock homes.com/gre that's F, L, O, C, K, homes.com/g, R, E,   Speaker 1  1:07   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:23   Welcome to GRE from Hudson, Colorado to Hudson, New York and across 188 world nations. I'm Keith Weinhold, and this is get rich education with perspective every week that you won't hear from the average slack jawed finance talking head. Just a few weeks ago, it was announced that rent payments will now factor into credit scores. Yes, I suppose that now tenants can say, See, my rent is not like throwing money away. I'm investing in my FICO score. This is good news for landlords. It can be good news for tenants too, actually, and I think it's just good for society that being accountable and making timely rent payments get tracked and can be rewarded. Yes, the news is that weeks ago, Fannie Mae and Freddie Mac are allowing rent and utility payments to be included in credit reports that are factored into eventual mortgage approvals. It is good that your tenant is informed of this, and therefore they'll be more incentivized to pay you the rent on time. So yes, rent is now a credit builder and hmm, does this mean that America finally admitted that shelter is more important than your tenant's Banana Republic Visa card? This is something that should have been done a long time ago now. This also helps in the rent to own strategy, if you ever employ that with a tenant. Yeah, the rent to own strategy. That's where a tenant, they rent a home from you today, with the option to buy it from you later at a pre agreed price. It's basically a hybrid between renting and buying. And the advantage is you can sell your rental at a greater profit than you could otherwise, when you employ that and the reason that having rent payments be on a credit report now gives you some assurance that your tenants will improve their credit scores enough to qualify for a mortgage and actually buy your rental. So that's always an exit option for you the rent to own strategy benefiting too from this change. Now let me tell you about the GRE duck, because this duck is quacking, making some noise, and we talk about what you might think of as a more base investment strategy. And this might be your base investment strategy. It is just simple long term buy and hold investing. Some people mistakenly think that to be a big profiteer in real estate, that it takes a lot of time and money, or they think that you've got to flip a property or wholesale or do rent to own plans with your tenant, like I just mentioned, or that you have to house hack. You don't have to do any of that heavy hands on stuff. You can be highly profitable without opening up some active business inside your property, like an assisted living home or doing some co living arrangement that you self manage, or doing short term rentals. No, you don't have to do any of that. No sledge hammer required. Let's talk about the GRE duck and how normal long term rentals are super profitable. In fact, you can profit $2,500 per. Per month from just one ordinary, single family investment property, just a regular long term rental with, say, a small down payment on a 300k income property.    Keith Weinhold  5:14   Now $2,500 that might seem high to be clear, that's not the rent amount. That's not the gross. This is your net, $2,500 in total profit every month. And you know, from the outside, the uninitiated might say, Well, wait, how could one plain house really perform this? Well, all right, say that it creates $200 in monthly cash flow, your rent income, minus expenses. This only represents the part of a duck that is visible on top of the water there on the lake surface, because that's all that most people see. And it's not a decoy duck. This is the real thing, because the duck also kicks up less visible underwater returns of another $2,300 monthly. And here's how what's beneath the surface, those duck legs are paddling like they're doing CrossFit. Here's a plausible scenario. Let's just use an appreciation rate of 5% mortgage rate of 6% and say inflation is 3% Well, the first thing that the duck is furiously kicking up underwater is that erstwhile appreciation of 5% on a 300k property. This is $15,000 a year that you're benefiting, which is $1,250 per month of profit to you. Next, there's principal pay down, also known as your ROA, that return on amortization your tenant is chipping away at your loan balance for you $3,000 a year from an amortization table, that's 250 bucks a month. Then there's the tax benefits. Say the estimated depreciable value is 240k after land divide that by 27 and a half years for your depreciation schedule, that is an $8,700 a year deduction. If you're in a 25% tax bracket, that's 2200 bucks a year, nearly another $200 a month from this alone. And there are more tax benefits than that depreciation, but that's all we're going to use for simplicity. And finally, inflation, profiting 3% inflation on your 240k loan, that is 7200 bucks a year. Yes, another 600 bucks a month. Now let's put it all together to see what the duck is doing. You've got $200 worth of cash flow, which is the visible duck, and then the rest of the paddling legs, with what they're doing underwater, it's $1,250 of appreciation, 250 in principal pay down, 200 in tax benefits, and 600 in inflation profiting. This is how your total financial benefit is $2,500 a month, and this is $30,000 of annual benefit to you. Yes, on average, you are 30k wealthier annually just from this 20% down payment on one plain, single family rental with something about as passive as it gets in real estate, that $200 per month of cash flow, that's only the part that you can see the duck gliding on the surface. And now, of course, your exact number is going to be higher or lower. Oh, maybe some downers on this is if there's a surprise insurance claim that dense things like a tree falling on your fence or a roof leak or a plumbing backup, you'll also have closing costs that you need to pay one time, a three to 4% of the loan amount when you buy so the duck could get splashed. And then this could be even better than I laid out. You might have a refinance opportunity that could increase your number. Your mortgage rate could be less than the 6% number that I use. Many builders are buying it down to under 5% for you still, and this will grow your profit number beyond $30,000 a year, and in this case, the duck would enjoy a tailwind.    Keith Weinhold  9:45   Today, you do often need a seller to provide incentives to make deals create cash flow. I did some rounding for simplicity in that example, which is really like a fresh spin on real estate pays five ways that I laid out there. So essentially, this $30,000 of annual benefit this occurs whether you show up to work or not, whether you stay in bed or not, and you're probably working on it one hour per month or less. Yes, this is simply buy and hold property. None of this flipping or wholesaling or active businesses that you need to run inside it buy and hold property that's either new build or it's turnkey renovated. I mean, it's even kind of boring, no market timing, no next hot thing, nothing loud, nothing risky, nothing Instagramable. Yet so many people miss out on all of this and why? It's because they only see that $200 visible part of the duck, and they sort of think, why bother? And then you have other investors that don't stick with it long enough to realize and capture the benefit. It could take a few years to really feel a wave of appreciation or inflation. These things are more apparent, like a duck that starts quacking and getting noticed, the GRE duck helps you understand how even a modest portfolio of four or five or 10 ordinary houses builds lasting wealth. Some people think that they need to own 100 doors worth of apartment building units or something like that in order to quit their job. That is just not true. I describe precisely how the middle class can get ahead. You could quietly out earn your day job with just a small pack of properties. This is embodied and symbolized by the GRE duck. Later today, we'll talk about the exact types of properties that are conducive to this. Let me tell you what's really interesting. Now, when we look at a five year arc, here's what's remarkable. In 2022 mortgage rates tripled and home prices rose anyway. In 2024 and 2025 the level of inventory soared and home prices rose anyway. Last year, available inventory was up about 30% from the prior year. Well now it's only up about 4% from last year, the growth in available housing supply has really slowed. It is going to be fascinating if supply shrinks this year, and this is the trend, this is the direction that the market is going, which could put accretive upward pressure on prices, but not as much as something else could. Now, sometimes here on the show, I inform you about micro real estate issues, or like the savviest strategy to achieve rent increases with your tenant, but there is a macro force that could reshape real estate markets in your purchasing power for years. In fact, I'm about to share with you this is the most important, newsworthy message that I have had in years. CPI inflation keeps rising. Jerome Powell is now newly out as Fed Chair Kevin Warsh is the new guy, and he's in there at a moment where global expectations and interest rates and currencies and housing and investor psychology could all shift at once. Now, frankly, I think it would be reckless to cut rates into the fresh inflationary shock that we have from the war in Iran now, but that's exactly what some market participants are betting on, and this time, inflation is not Coming from stimulus checks and peloton bikes, like it did during covid. At this point, we have already weathered a pandemic and lockdowns and money printing and tariffs. Now it is even more we have added in a kinetic war and severe energy shocks and supply chains that are now tied into knots, the profundity of the Iran war effects are coming two time.    Keith Weinhold  14:53   GRE podcast guest, Dr, Chris Martinson and I, you know, we are not some Doomer. Spouting baseless hyperbole to get fear clicks. This month, Chris stated that he would not be surprised to see 18 to 20% inflation in the next two to three years. Yes, you heard that right. This would make the pandemic inflation spike look like a warm up act. Remember back in 2022 that's when inflation peaked at 9.1% back then, in one year, home prices exploded about 20% rents surged 15% grocery prices went to orbital and a trip to Costco suddenly felt like financing a small boat. Well, today, things are poised to get even worse. Since the start of the Iran war, we've seen the prices of jet fuel go up 70% sulfur up 60% Brent crude has spiked 52% heating oil is also up 52% since the start of the Iran war. WTI crude oil up 48% urea also up 48% diesel up 45% gasoline up 40% all of these are not obscure commodities that are sitting in a warehouse somewhere. They are the hidden ingredients inside everyday American life. Diesel moves almost everything that you buy. Urea grows the food. Oil becomes plastics, packaging, chemicals and electronics, pharmaceuticals, cosmetics, paint, asphalt and 1000s of petroleum based consumer products. I mean, effectively, this massively raises the blood pressure of the entire economy, there is still cargo that's been sitting in or around the Persian Gulf and hasn't been able to transit the Strait of Hormuz for almost three months now. That's per Reuters. Even if a permanent peace agreement were signed today, this doesn't just all magically snap back by next week, it could take more than a year to normalize shipping routes, in inventories, in refining operations and supply chains. And in fact, it is even worse than that if the new Fed chair worsh decides to jack up interest rates. See, even that would do little to fix the supply side problem, because higher rates don't produce oil, they don't reopen shipping lanes, higher rates don't unclog ports. So this is not a time to sit in excessive cash and hope that your purchasing power survives. For a lot of investors, this is the time to accumulate more productive real assets while maintaining some prudent liquidity. You've always got to maintain some the alternative is to start eating losses. When we had two big waves of inflation in the 1970s bonds were mockingly called certificates of confiscation back then, and why? It's because investors earned 5% while inflation hit 15% the people who win in inflationary eras are really three groups, owners of productive real assets, people with pricing power and strategic long term fixed rate borrowers. It is pretty rare that I draw a line in the sand to identify a major inflection point and really encourage others to act. The last time that I did that distinctly was in November of 2021 because that's when mortgage rates were 3.1% inflation was double that at 6.2% and I urged investors to borrow big, and I showed you the evidence of when I stated that in last week's newsletter. I showed you right where that was published, and at that time it sounded aggressive, but today, those borrowers are sitting on yesterday's debt while they're earning today's inflated dollars. I mean, you have profited handsomely from that while there were others that were calling for a real estate price crash back in 2021.   Keith Weinhold  19:44   Gosh, that was the biggest appreciation rate year that we've had in a long, long time. Well, today, it's another inflection point, because you and I may be about to witness the highest inflation of our lifetimes, the prudent move is not paralysis. It is positioning. It means owning more productive real assets and ideally tying them to that long term fixed interest rate debt before the window closes again. So if you've been thinking about investing, repositioning your portfolio or making a plan before inflation accelerates again, you can speak directly to an MBA with real world real estate investing experience. It's a more crucial time than usual to book a free call with a GRE investment coach, which you can do at greinvestmentcoach.com. Windows like this do not stay open forever. It is the right time to act. In my opinion, that's the big message. The war inciting high inflation and hitting the point of no return for that. And I expect those free open slots to fill up fast, book a time again at GRE investment coach.com and plot out a plan. A lot of great shows coming up here on the GRE podcast, including two weeks from now, the number one selling personal finance author of all time, Rich Dad, Poor Dad. Author Robert Kiyosaki will be back on the show with us. As for later today, it's interesting to learn about a new market that we have not discussed in depth before, especially when it's a cash flow market. It includes new build single family rentals for $145,000 and now it's really small, but it also includes granite and LVP flooring. That's next.    Keith Weinhold  20:20   I'm Keith Weinhold. You're listening to get rich education. What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group, NMLS, 42056, they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property. They'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com, let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedom family investments.com. To book a clarity call or text family to 66866, that's family. 266866,   Richard Advani  23:19   This is hem lanes, co founder, Dana Dunford, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:35   We have the chance to discuss a cash flowing real estate market today that isn't talked about very often with Richard, an income property provider in Oklahoma. And Richard, you have over a decade of experience working and investing in the Oklahoma market. And then you your wife and your daughter, you move there because it is a rather attractive investment climate. You've been prolific in the industry. You've spoken at hundreds of real estate events, so welcome and tell us more about yourself and really that attraction to Oklahoma.   Richard Advani  24:09   Yeah, it's great to be here and share, you know, more of what I learned as an investor the last 10 years. Yeah, it's been amazing, because when I first invested here, it was more of a diversification play for me, and I didn't expect a lot of growth, but, you know, it had good fundamentals, and boy have I been surprised, because it has grown, and the growth just continues here.   Keith Weinhold  24:30   Now, in a sense, I think about Oklahoma as a potential next place. And what I mean by a next place is that 10 to 20 years ago, Denver and Phoenix were metros that worked well for cash flow and real estate investors, but then prices ran up faster than rents in Denver and Phoenix, and they no longer work for cash flow with a 20% down payment on residential property, Oklahoma feels positioned as a next place where the numbers still work before the price. Prices get run up and this is especially true when we're still in this affordable housing crisis. And Americans kind of look for that next place where the cost of living is still low.   Richard Advani  25:10   Exactly. And if we look back to you said, the fundamental things that made Phoenix and Austin and all these places grow out of the desert was they were affordable and they were business friendly. And the median home price in the US right now is $430,000 roughly, yeah, and the median home price in Oklahoma today, even after all that growth, is a little over half of that. So it's not a new concept to understand why and where that growth here stemming from.   Keith Weinhold  25:37   since 2000 Oklahoma cities, just that city's average annual growth rate is 1.4% that is really solid for a mature interior US Metro now, it's not quite like Austin or Nashville, but you're avoiding those substantially higher Austin and Nashville prices. And for comparison, the nation's annual growth rate since 2000 is eight tenths of 1% to your point about the growth now Oklahoma, I think of it as really like a two major metro state. You've got Oklahoma City in the middle and then somewhat smaller Tulsa in the northeastern part of the state. So talk to us more about that growth.   Richard Advani  26:19   Yeah, definitely. Well, I think, you know, 20 years ago, Oklahoma is really known as an energy state and a military state, and they acknowledge that as a state that they want to reduce that dependence. So there's been a huge amount of programs driven to bring small to medium size and obviously large size businesses in at the moment, we focus primarily on Oklahoma City, but Tulsa, as you mentioned, is an hour and a half away. If you look at a map, it looks really far away, but it's not in Tulsa is really kind of the Austin of Oklahoma. There's a lot of STEM and a lot of robotics and a lot of different things going on there. Stay tuned, though, as we move into latter part of the year, we are going to start expanding our product into Tulsa as well. But I think the big thing Keith is bringing awareness to people that Oklahoma exists. We do a lot of client tours, and we look forward to touring a lot of your clients as well. But people are just blown away when they get here. It's clean, it's nice, it's family friendly. All the suburbs of Oklahoma City, for example, they're just gated communities and good school districts. And what's crazy is you could put 20% down buy a brand new home in a nine out of 10 school district in the Oklahoma City metro, we're in the below $300,000 range, and make a positive you know, you can't do that in any other metro in the US.   Keith Weinhold  27:38   Yeah, that is really attractive. So I think of Oklahoma City is a place that's not very flashy, although they do have that proposal for that giant building that I think a lot of people have read about. You know, it seems like every major city has their big, pointy thing in the middle of town. Oklahoma City might as well they have a skyscraper with a proposal, only a proposal at this stage, which would make it the tallest building in the United States, but outside of something flashy like that, I don't think of Oklahoma as a very flashy place. It doesn't make the headlines as much as a lot of other places do, but those headline making places seem to have the prices run up, and that's not so advantageous for investors. So tell us more about that investor advantage in Oklahoma, including things like the law tilting toward landlords versus tenants, and any other economic drivers.   Richard Advani  28:31   Yeah. So firstly, I'll touch on that point. It's a very, very landlord friendly state, from the month a tenant runs late, you can essentially have them out that same month, as long as a property manager company is doing their job and serving notices. But at the end of the day, if it's a matter of the tenant not paying their rent, and you've provided a household right, your HVAC is working, there's nothing negligible on the landlord side, super easy. It's an open and shut case. Now what we see because of that is, out of 250 properties under management last year, we've never had to do an eviction, because it's a lose, lose for the tenants. And they know that, right? You serve them with the notice, they are out very, very quickly. So yeah, very strong on the landlord side of things, as I mentioned earlier, a lot of growth happening in Oklahoma, like you mentioned that tallest building, in addition to that, you know, the OKC Thunder, are here, and, you know, I think they're a champion. I watched zero sports, but I have read deeply into the economic impact, and I've seen it right. I've had people come to town and we give recommendations on where to stand. They're like, Oh, I've been to Oklahoma two years ago for a thunder game, and I fell in love with the city, and it's very, very underrated. Imagine if you could have got into, you know, Austin or Dallas 10 years, 12 years, 15 years ago. And I hear it very often from people. This reminds them of what those places were like 10 years ago. And that's a great thing to hear, right, that strong fundamental and catalyst for that growth exists. Buying a single family home, as I mentioned in that A plus school district that Windows closing here in Oklahoma as well. You know, I think there's another year, year and a half, before they will pencil and will be like every other large metro in the US. So, you know, I think we're all going to look back and be like, Oh, you got in Oklahoma early. I've been in here 10 years. I think I got in early, but you know, we're still relatively early in terms of, you know, the growth trajectory, that's the head and once again, it's driven by common sense, fundamentals, affordable, business, friendly people get here, establish community, and it's a really nice place to live. I love it here.   Keith Weinhold  30:35   And because now you're a resident. Yes, you know Richard, one phrase I've shared with my audience recently, and I think it's apropos here is people say that they want an opportunity. What they really want is certainty. But as soon as certainty arrives, the opportunity is gone. I really think that's relevant here. So we've been talking about Oklahoma City, and what you do is you rehabilitate or offer new build properties to investors. Oftentimes they're out of state. You place a tenant for them, and then, if the investor so chooses, you also manage it for them. Like you mentioned, you have 250 properties under management in your portfolio. That's what you do, that's who you serve. We've talked about Oklahoma City. Tell us about some of the outlying areas, and why you choose those for investors,   Richard Advani  31:29   That's a great question. And yeah, we primarily focus on new construction, because that's what I believe in for investors as well. What's amazing is, we're kind of a, I don't say supermarket, but we're a mega market because we're in six or seven different cities within Oklahoma, which means for the investors, six or seven different strategies, right? As I mentioned already, we're in the A plus areas at the best schools. We're in commuter towns that are 20 minutes outside of the metro that are really charming. We're in military towns where we have very, very strong economies, very high rent to purchase price ratios, really some of the highest in the country for new construction. And we deliver products, starting brand new single family homes is at 145,000 and at 180 and 220 and, you know, all the way up to 550 and everything in between. So we have a product for every type of investor we have, you know, a home for every type of tenant out there as well, which, you know, makes our tours amazing, too. People leave with their head spinning, but we really have a good amount of selection and strategies within the state.   Keith Weinhold  32:35   145k for a detached single family home is pretty mind blowing to some people. I've seen those. I know the footprint of those is pretty small, but that really gives an idea of what potentially makes you attractive to work with. You have those all the way up to 550k which I think are the new build duplexes, correct mentioned there. So yeah, this is potentially attractive to people. I think a lot of us are really more interested in that ratio between the rent income and the purchase price, that valuable formula. So will you tell us more about   Richard Advani  33:11   That? Yeah, that's something that I think we really excel at, is finding that balance point between durability for the investor, but also kind of where that rent range falls off is. A lot of experienced investors know, as you go higher priced, higher end, the rent starts really falling off there. All of our builds have LVP throughout granite. You know, even that 145,000, our home is so much granite and it would blow your mind, but we're not skipping anything, right? They all have full gutters. All have central heating and air conditioning with that end end goal of making it durable. But, you know, finding that tipping point to where we're not over building for that rent, so we're able to really bring in some high cash flows for what we target, and we specialize in affordable housing. And when I say affordable, don't think cheap. Just think most builders are going to build a product we've been in a boom the last 20 years, right? So if there's 500 people in line to buy a $400,000 home where your profit margins are high, why build a $250,000 home, right? And that is where the housing shortage is, and that is what we've made our nation. Most importantly, that is where we can make cash flow as investors.   Keith Weinhold  34:20   So we're thinking about numbers on our pro forma now, Oklahoma does have tornadoes. I happen to know that tornado paths are geographically narrow. It's been estimated that they've severely damaged less than 1% of Oklahoma homes. But tell us about that, including the insurance coverage is one of our pro forma items.   Richard Advani  34:42   It's a great question, obviously, that comes up a lot. I took a video two weeks ago with tornado sirens blaring, and I'm with my wife and daughter, and mind you, my wife yells at me up until recently to get in the shelter. And we walk out front and I'm recording, and I look to the left, old couple outside looking at the sky. Look to the right, kids in the. Parents looking at the sky, and surprisingly to me, my wife was right there behind me. I'm like, why are you not in the shelter so? Long story short, tornadoes are real, right? I've lived here two and a half years now. I've never met a person affected by a tornado, yet, personally, and as you mentioned, it caused very low damage. There's very rarely fatalities. And most importantly, look, insurance rates are determined by losses suffered by that insurance company. You guys will be blown away at how inexpensive the insurance is, just for that reason, right? But, yeah, tornadoes are real. We're in tornado season now, and people ask, what do people do when the tornadoes are on? And, frankly, walk out and look up at the street, you know, at the sky. It's not like a hurricane, where they come in and mass and destroy a town. You can see the storm cell moving around right when you're looking outside. So damage is low. I've owned real estate in Oklahoma for over a decade. I've never been affected by a tornado, either. But you know, they are a thing, and they're that hot point, just like fires in California. What was earthquakes? But the important thing is, the standard insurance policy covers tornadoes, it covers hail, it covers all of that. And, you know, even on those 300,000 more a plus class properties insurance is like 1500 a year. You know, very inexpensive.   Keith Weinhold  36:15   We're talking about what I've been referring to, potentially as that next place for real estate investors. I was talking about that in house here with Naresh on how Oklahoma really feels like that next place due to some of these characteristics that I've been talking about. And Richard before, I ask you if you have any last thoughts. I have an event to tell you the listener about next Thursday night, May 28 Richard here is CO hosting a live webinar along with our GRE investment coach, Naresh, and you are invited to attend from the comfort of your own home. You'll meet Richard, learn the market, see performers of specific available properties, and you're probably going to learn something about real estate investing that you didn't know before. It's also a format where you can have any of your questions answered in real time. This can be an actionable opportunity for you again. It's Thursday, May 28 at 8pm Eastern. Sign Up it's free, you can register. It's open now at gre webinars.com. You'll meet a real pro, experienced provider there on the ground. Richard here and do you have any last thoughts, including what we can learn and see next Thursday? Richard,   Richard Advani  37:34   Just that you know, if you haven't considered Oklahoma before, take a close look at us, right? There's a lot of amazing things happening. I am boots on the ground. I started as a real estate investor, and that's kind of the foundation for our business. We really encourage tours to come out here. The market sells itself, but it's not needed. Look, we are boots on the ground. I bought dozens of properties myself, sight unseen. Technology makes things amazing for that. But come down. If you guys do have the time, we're going to share a lot more specifics next Thursday on proformas, on exact numbers and specific opportunities. And yeah, excited to share Oklahoma with all of your investors, and to bring these opportunities to you guys and appreciate the opportunity to be here.   Keith Weinhold  38:18   Is there anything that investors find surprising that they did not know about Oklahoma prior to investing there, and prior to learning about it, and before you answer yes, thank goodness that you offer tours. Any good provider should do that, although, in my experience, it's typically only five to 10% of out of state investors that actually take up somebody on the tour. You can never take that personally. That's just what happens industry wide, as we know. But is there any maybe last thing that we should know about the market, Richard, maybe something that an out of state investor is a bit surprised to learn, or that's unique to that particular market?   Richard Advani  38:58   I think the biggest thing that people are surprised about is how nice it is. I've actually had an investor bought six properties and moved to Oklahoma become a good friend of mine. Now, since he lives in Oklahoma, people are just blown away at how clean and nice and family friendly. And we hear quite often that, you know, our investors would live in these homes, so much so we had one actually do that. So yeah, it's very underrated. And I think, as you said very aptly earlier, you know, it's the next market, it could be the next big market,   Keith Weinhold  39:30   potentially that next place. If this sounds interesting to you, be sure to join Richard and our team again. It's Thursday May 28 at 8pm Eastern, and you can register at gre webinars.com. It's been valuable. Richard, it's been great having you here on the show.   Richard Advani  39:46   Thank you.   Keith Weinhold  39:52   Yeah, a rather interesting potential. Next place, if you will, for some perspective in Noelle. Normal traffic conditions from downtown Dallas, it is a three to three and a half hour drive north to Oklahoma City, but that is its own distinct market and city and capital. Oklahoma City affordable and business friendly this century. Really, it's those two drivers, affordable and business friendly, that have been the growth engines for other cities. OKC also has an expanding aerospace and tech presence in major downtown development projects, among other interesting things. At next week's live event, expect to see new build, yes, as low as 145k with LVP flooring and granite throughout, like we touched on there, one investor has even moved into the property themselves. I mean, you can do that if you want to. These are conducive to being good rental properties, but you own the property, you could live there, if you so chose. Yes all the way up to new build duplexes at 565k that generate almost $4,000 in monthly rent, though, these are the types of properties where you might want to pick up one of them, or five of them as investments leveraging the GRE duck and getting position for this likely next inflationary wave from an energy shock. I don't want to steal all the thunder from the event, but expect the provider to offer two years of free property management as well. One last time it all takes place next Thursday the 28th at 8pm Eastern. Sign Up Free at gre webinars.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  41:49   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 on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com you.

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Fredrik och Tobias snackar om Eurollvm 2026, och lite om kaffe. Tobias åkte till Dublin på LLVM-konferens, och råkade hålla i en presentation, en paneldiskussion, och två rundabordssamtal. Det gick hyfsat lätt att somna efter att ha avverkat allt det. Tobias berättar också lite om de övriga presentationer han hann se, och vår gamla vän(?) fast-math dyker upp igen. Plus lite gott kaffe. Som bonus efter outrot: hur Tobias upplevde Plex numera och oväntat omskrivna företagsresa till Honduras. Ett stort tack till Cloudnet som sponsrar vår VPS! Har du kommentarer, frågor eller tips? Vi är @kodsnack, @thieta, @krig, och @bjoreman på Mastodon, har en sida på Facebook och epostas på info@kodsnack.se om du vill skriva längre. Vi läser allt som skickas. Gillar du Kodsnack får du hemskt gärna recensera oss i iTunes! Du kan också stödja podden genom att ge oss en kaffe (eller två!) på Ko-fi, eller handla något i vår butik. Länkar James Hoffmann Hoffmanns americano-video Americano V60 Eurollvm 2026 LLVM dev meet i USA Kodsnack om Eurollvm 2023 Chris Bieneman från Micrsoft LLVM foundation DXIL - formatet för HLSL HLSL Felix Klinge från Intel Nicolai Hähnle från AMD Länkar till inspelade videos kommer när de har släppts. Stöd oss på Ko-fi! CHERI - Capability hardware enhanced RISC instructions - säkerhet i hårdvara Alias analysis Alias i C++ Clang-tidy fast-math fast-math i Kodsnack 296 Brew lab - finkaffe i Dublin Paragon-metoden för att brygga kaffe med iskall … kula av något slag En recension av Paragon Developers! Developersavsnittet om Plex konferensresa Honduras Artikeln om Plex konferensresa Sumpsnacket om Plex konferensresa Titlar En keynote av det En del av LLVM-communityt En bra sak i det hela Göra någonting runt gaming Stort och brett användningsområde Spelrelaterade CPU-optimerar-snubbar I stort sett en LLVM-kompilator Hur LLVM används i gaming Moderator i en panel Gömma en typ Matte i en kompilator Vara lite mindre precis Gör det bara snabbt En flagga som jag har haft mycket slagsmål med

Keith breaks down why real wealth is built through concentration, not diversification and explains how focusing on one main vehicle—like a specific real estate strategy, business, or career niche—creates the expertise and asymmetric returns diversification can't.  He also clarifies that diversification isn't useless; it's most powerful later in life as a wealth preservation tool, not a wealth builder. Contrasting building wealth with simply earning a living, showing why specialization is the key to higher income.  Finally, he highlights the one area where diversification truly shines: your relationships and network, which provide resilience, perspective, and long-term support. Episode Page: GetRichEducation.com/605 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. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, is wealth built through diversification or concentration? There is one clear answer. Then, in five year age increments, how should you think about wealth building and real estate at age 2025, 3035, and so on, all lay out each one today on get rich education.   Keith Weinhold  0:26   Flock homes helps multi family 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 valuation, see if your property qualifies at flock homes.com/gre, that's F, l, O, C, K, homes.com/gre,   Speaker 1  0:59   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:15   Welcome to GRE from Buffalo New York to Buffalo Wyoming and across 108 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. I am back here with easy to understand language to help you learn why and how real estate has made more ordinary people wealthy than anything else, and in your personal path to wealth building, how do you think that wealth is achieved is it through diversification or concentration? Because there is a clear cut answer. There is no squishy wishy washy, a little of this and a little of that, or no major exceptions. No gray area here. And it's interesting because I have a CFA friend, that means chartered financial analyst who's really smart and really well trained, and yet he seems confused by this. We disagree on this one straight away. Do you think that you're going to build wealth if you diversify or if you concentrate? And if you're still undecided here, I'll give you a hint. I'm going to ask this integral question one last time and stress a word in this sentence for you. This could really help you out. Is wealth built through diversification or concentration? With that emphasis on built accumulated? The answer is that overwhelmingly, wealth is built through concentration, not diversification. Most people who actually create any really meaningful wealth, they didn't go sprinkle a little money everywhere. Instead, they really focused hard on one thing, whether that thing was a business or a career niche or a narrow set of high conviction investments or a specific real estate strategy, for example, single family rentals or self storage facilities or assisted living homes. And why? Well, because concentration amplifies your upside. It lets you develop expertise which gives you an edge over everybody else, and it's what turns average returns into asymmetric ones. Think about how Warren Buffett made massive gains early with concentrated bets. Or how Jeff Bezos went all in on just a few ventures, or Sarah Blakely on just a few ventures. Those that say don't put all your eggs in one basket, well, all right. I mean, you can look at the world that way, that is a diversification path. Though you're going to end up working full time until you're age 68 and you'll probably be safe and you might just have a sound retirement, but you have done so much trading away of your time in your best years for dollars. I mean, that's it. That's not a wealthy path. Your employer wants you to invest any of your extra income in a diversified way so that you're not going to build enough wealth to leave that employer early. And yes, we're back to the old Andrew Carnegie. Put all your eggs in one basket and then really watch that basket. Carnegie's concentration was in the steel industry, wealth. That's what we're talking about here, like something outstanding, extraordinary, not just a good enough retirement nest egg. Maybe real wealth is built through concentration. This is why we concentrate on one thing here on this show. Largely real estate investing, because you don't build wealth from diversification. All right now, yes, there could be a little diversification even inside residential real estate investing, say, maybe you want to get into three markets. Call it Atlanta, Indy and Kansas City. But overall, that is still concentration in residential real estate investing. And if you want to be outstanding, you have got to embrace the heterodox, meaning a departure from the Orthodox. Orthodoxy is spreading all your money around in, say, the s and p5 100 index, we're almost guaranteed then to get a pedestrian like outcome. And now look, once you've built something and you've got something to protect, which is however you've decided to build your wealth through concentration, oh, now that's when the game changes. You'll probably best protect your wealth, not build it protect what you've built through diversification that being done when you're older. And what diversification does for you is that it reduces your downside risk, it smooths volatility, and it prevents a single mistake from wiping you out. So at this stage, you're no longer trying to win big. You're just trying not to lose big. The mistake most people make is that they diversify too early, and that usually ends up leading to mediocre returns, no real expertise, and these sort of portfolios that are busy but not wealthy, it's sort of like planting 20 seeds and then not watering any of them enough.   Keith Weinhold  6:47   All right. So here's a smarter progression across your investing life. In your early stage, which is your wealth building phase, you want to concentrate your time, your energy, your capital, you want to build skill and conviction, and then you want to take calculated asymmetric bets after, say, 10 or even 20 years of that, you enter the mid stage. That's where you'll start spreading across related areas, for example, multiple property types, but still in markets that you understand. And then finally, after 10 or 20 years of this mid stage, it is later stage, which is wealth preservation only. Then is where you diversify broadly across asset classes and all sorts of geographies. And then you protect yourself against tail risks. So the bottom line is that concentration creates wealth, diversification preserves it. If you try to flip that order, you are going to stay stuck. And if you're young and you're still diversified, and you might think you're okay, and you even project that you're going to have something built up, like, say, $8 million in retirement. If you just keep this up, what you've just done is that you're making my point for me, because 8 million, that is not going to be an outstanding amount at all by the time you reach conventional retirement age, you had better flip to concentrating in something, whether it's residential real estate or data center construction or pressure washing. All right, so that was wealth building. Now, how about instead of wealth? Say that you're trying to make a living, all right, this is a different subject. Now, if you're trying to earn a living, should you diversify, or should you concentrate? How do you make a good living? Which is working at your day job? That's what we're talking about here. Now, once again, the answer is, through concentration, not diversification. We became a society of specialists by the Industrial Revolution 200 years ago, if not sooner, making a good living that comes from being valuable at something specific, not average at a whole bunch of things. One strong income engine beats five weak ones. Depth pays more than breadth. People are willing to pay you for expertise, not for dabbling around. This is whether it's a niche in real estate or a specific profession or a focused business model, you need one thing that reliably throws off good income and a little story here. I don't want this to be disparaging to Uber drivers, because I appreciate what they do and where they drive me. But I recently had an Uber driver. It happened to be in Hollywood, and this uber driver is also a stand up comedian there in West Hollywood. Well, those are two very diverse activities, driving and being a comedian, and that tells me something he's not a very successful. Stand up comedian. If you try to diversify too much, your attention gets split, your skill development slows, and your income plateaus at just okay. Now I'm fortunate enough to have had some good success at what I do, real estate investing, and then talking about real estate investing with you here, that is my specialty, my concentration. I don't mow my own lawn. A specialist does that. I don't shovel my own snow. A specialist with all the right equipment and all the expertise does that. I don't do my own accounting. Now in what feels like a previous life to me, when I used to work a day job for the Department of Transportation, and there were problems with paving a specific type of asphalt on the roads in cold weather, a specific specialist would fly out to help us troubleshoot that. He was a high paid consultant, because he is in a niche that's very tiny. So when it comes to the matter of making a living, where diversification fits is once your primary income stream is stable and predictable, well then maybe you could add a second complementary stream, and not something that's random, build redundancy so that you're not fragile. But just think of that as a backup engine. You don't want to think in terms of 10 side hustles. For an example, a real estate investor adds another market or a strategy, a w2 professional well, they had maybe one serious side income, and that's just a matey. Surely not six apps and gigs if you're out there chasing everything, then you are going to earn less. And now that I've discussed how you want to concentrate, not diversify if you want to build wealth, and you also want to concentrate not diversify if you want to make a good living, well then you might wonder, gosh, does diversification have any place in my life? Is there any life facet at all where diversification gives you an advantage? Yes, there definitely is. Do you have any idea where diversification helps you as you look at all areas of your life, because there is one clear cut place, and that is relationships. Yeah, whether it's romantic relationships, like dating a potential spouse or in the broader sense, I mean, when you met your eventual husband or wife, it's not very likely that you impress them by going deep on some nuance that has to do with asphalt paving, or how you or how you increase your cash on cash return with management efficiencies on your single family rental portfolio in Little Rock Arkansas,   Keith Weinhold  12:57   In relationships, you become attractive to people because you can say, show a soft side, or be a good listener or know how to dance a little all while you can make a good living a diversified relationship portfolio. Now for you, that might mean having close friends for fun and honesty and a professional network for opportunities and perspective, and you might have a mentor or two in your life for guidance, and then you've got family relationships for roots and support. So every one of them plays a different role, and that way, no single relationship has to carry everything and what this protects you from is having just one friendship. You don't want that, otherwise, your whole social life can collapse. It protects you from a career setback, because you'll still have emotional support. Having diverse relationships prevents you from falling into echo chambers. Instead, you're going to get better, broader thinking. So having diversification in relationships that is basically risk management for your life and in this life, facet smart diversification makes you resilient. It makes you grounded. It makes you harder to knock off course. So let's review here in relationships, diversify to build wealth, concentrate and to make a good living, concentrate. And with that said, you know, if you want to get mega, mega wealthy, like stupid rich, let's just call that a billionaire with the letter B, if you want to reach that level, then I don't think that investing in rental property is the fastest or the best way to get there, although it can give you a good start. And then what's the point of this show? The point is that real estate investing is the most proven way to build wealth when you concentrate on it. If you want enough net worth and income so that you never have to work again all while you're still young enough to enjoy it, direct investment in real estate. Hey, that's great. If you want to get up to the $10 million net worth level, or even to say, $50 million that is totally doable. And the good news is that it's almost inevitable if you apply yourself and yes, concentrate, because that's all most people want, options and freedom. Those words are often a proxy for wealth. But if you're trying to get on the Forbes list of the world's wealthiest 100 people or whatever, which is where you need to concentrate on a novel business idea. All right, you can go for that, and then your risk of failure goes up substantially. You might even reach the billionaire level. As a real estate investor, more likely the DECA or the Centa millionaire level. But there are other ways of doing that outside of real estate. Real estate investing is great if you want to get sort of regular wealthy. Maybe even say that can be as little as 15 million or 25 million plus when you're young enough to enjoy it. And you know even half or 1/3 of those levels are enough as a freedom number for most people. With all that said, when you concentrate to build wealth, you do have to pick a proven vehicle. You can't say you're going to concentrate on sports gambling or prediction markets like call sheep or polymarket. They are not proven wealth building vehicles. Most people lose money on Poly market if you've wagered your mortgage that Mr. Beast is going to be the next President of the United States, perhaps reconsider that approach. In fact, according to an analysis that Bloomberg just performed, nearly every poly market trader either loses money or they make little or no profit. More than 100,000 accounts lost $1,000 since the start of last year, and that is twice the number of accounts that made at least $1,000 in aggregate, traders lost $131 million on this prediction market over that time, the tiny number of accounts that make lots of money appear to be mostly bots. That's what Bloomberg found. And there was a separate study that found that since 2022 69% of traders lost money, while three quarters of total profits were won only by the top 1% of users. So gambling, wagering, this speculation, it is not a proven vehicle, and it's not the same as investing. The cleanest way to think about the difference is that investing means putting money into something that produces value over time. Instead, gambling means putting money at risk on an outcome that you cannot influence, usually with a negative edge. And gosh, one reason that this is on my mind is, you know how I recently shared with you that I stayed at the Bellagio in Vegas. I didn't gamble at all. And in fact, I don't even know if I'm going to stay there again. That's just not congruent with who I am. But I marveled with my mouth agape when I watched a few games at the roulette wheel. Yeah, you're allowed to watch if you're not gambling. A typical scene is that perhaps five players were wagering their chips at the roulette wheel. Now the way it works is that the casino, they often have two and sometimes three of their own staff, like uniformed employees, that are there facilitating and monitoring the roulette wheel. I mean, look right there, if the casino is paying two or three staff members to facilitate the roulette wheel, well, the player should know that the odds are tilted against them. I mean, those casino dealers make, you know, they usually just make 50 to 70k a year with tips, all right, well, so the house needs to have enough of an advantage to pay their employees that are at that table and still profit. And they sure do profit. If you don't understand the game, when you play roulette, you can basically either wager that the ball is going to land on either red or black, but two of the 38 spaces on the wheel are green. They benefit the house directly. So with every bet that a player makes, they've got 18 winning spots and 20 losing spots. This is why roulette, like most gambling schemes, is for losers. And this roulette metaphor, I mean, this is a easily intuitive example for How the house has the advantage, whether it's the DraftKings app on your phone or it's a physical in person Casino. And look, I had another Uber driver recently. Yeah, lots of Uber drivers in my life lately, as I've been traveling in Pennsylvania, New York, California and Nevada, all right, interestingly, this uber driver is a dealer at the Horseshoe Casino, which is near the center of the Las Vegas Strip. While he drove me around, he opened up and told me that he doesn't understand why anyone is a serious gambler in his life history, he divulged to me that he has never known one long term winner. That's a gambler. It's amazing that he would admit that himself as an employee there. So suffice to say, wealth is built through concentration, not diversification, and certainly not through gambling.    Keith Weinhold  20:56   How should you think of building wealth for yourself at different age profiles, 20,25,30,35, and so on. I'll discuss each age profile that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  21:13   What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group NMLS, 42056,they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property, they'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com   Keith Weinhold  21:44   Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals, every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text. Family 266, 866, that's family 268,66   Ted Sutton  22:48   Hey, it's corporate, directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:02   welcome back to get rich Education. I'm your host, Keith Weinhold, and you're listening to Episode 605 let's talk about some age profiles, because your life isn't random, it's staged. And if you understand the stages, I'll take it from age 20 up to age 40 or perhaps 50, because I don't have experience yet with being older than them. And then you can stop guessing and start engineering your future. Let's discuss mindset and then some tactics on how to build wealth in five year increments, largely through real estate, starting with age 20, at this stage, you're not behind you are early, though. I do know some people that have owned rental property at age 18 and 19. For the most part, your job isn't to invest yet. Your job is to build awareness and identity. Listen to shows like this one that you're listening to right now, even though you might be in college or trade school or have some employment, yes, as an employee, start thinking like an owner at this time you're installing your financial Operating System. Most people are 20 are consuming entertainment. You you're consuming direction. You're thinking, how can I set up a life where I'm not living below my means, which will always limit you? You're thinking, how can I grow my means at age 25 let's say you're out of school, you have a job and you're only making 65k per year if you're living with your parents, that means you can accumulate more liquidity. I don't like to say that you're becoming a saver, because that does not wire your mind for wealth, but that's effectively what you're doing. You're trying to amass some Liquidity, some capital formation is taking place. If you only have, say, $30,000 of cash amassed, well, then you're not ready for real estate, unless perhaps you're doing an owner occupied FHA loan in a duplex or a fourplex with a three and a half percent down payment. If you've got credit card debt. That's at 21% APR. You do want to retire that first age 25 is when you're likely to have student loan debt. The average student loan debt balance at age 25 is about 35k and the interest rate is 7% as long as your income is stable. You know, I didn't focus on paying down my student loans at age 25 I mean, why would I? Why should you I invested first? Because you might feel like having student loans slows you down, and it does, but not accumulating assets is what will keep you stuck so you're 25 when do you buy your first income producing asset? Say you've just got 20 to 30k accumulated liquid. That is still a little early to buy your first rental property, because that first property that would take all of what you had accumulated, that down payment would take it all like for an out of state turnkey property, and you've always got to stay a little liquid, but sooner than later, you have got to increase your income and own some real assets. If you accumulate instead 60k cash and the cheapest decent investment property would probably take something like a 30k down payment in closing costs right now, all right. Well, that tilts toward pulling the trigger and doing it because you've got some buffer. Now, you're still learning along the way, but you're learning really begins when you own your first property. Now, if you happen to live in an investor advantage place, oftentimes in the Midwest or south, perhaps the inland northeast, well then maybe you buy locally. But if you live in a pricey Metro at age 25 then you are probably rent vesting instead. What rent vesting means is that you're paying rent in, say, New York City, and you own property that you rent to others in, say, Chattanooga, Tennessee, that's called rent vesting. And you might pick up more than one property in your late 20s by age 30. Okay, look, this is when your cumulative better decision making really starts to show your trajectory has diverged from the herd, and it's really becoming noticeable to your peers, because your past decisions start compounding here by age 30. This is where you can benefit from modeling if you see someone like you that's doing what you want to do now, you can see yourself doing it. That's called modeling, and this is where your confidence grows. We'll say that now you're married at age 30, and you have a young child. You and your spouse make 175k together. You still have student loans, but you definitely own some real estate by now, we'll even say that you own your own home, your primary residence. By 30 you have a pretty good understanding of financing, property management and markets. By age 35 now you're investing in multiple real estate markets, and this is fueled because you've now done cash out refinances of your earlier properties into some more properties, and that means that you don't even have to use all of your own money in order to buy other properties and make down payments on them. So by age 35 your mindset has shifted from how do I buy a property over to how do I build a machine that buys properties, and this is where scale happens for you, you want to be sure to stay in your lane of competence and avoid chasing shiny objects again. Concentration over diversification by 35 it's become so apparent that you're glad that you did what you did. Other people are still doing things like working a lot of overtime and missing dinners. Maybe you do a little of that, but you don't have to do that. You're happy that you were strategic and you took the actions necessary so that your life doesn't feel like spinning on a hamster wheel like it does for everybody else, and it might still feel that way for you, too, but you are able to see a way out of that. And some people retire with real estate investing by age 35 but in this case, let's just say that you're not. Most aren't, but by now, you are getting so far ahead Of your old peers that you are definitely saying something to yourself, like, wow, indeed, capital compounds and labor doesn't this is the time in your life for this type of epiphany. Let's see where you are by age 40, and by the way, let's acknowledge that the average age of the first time homebuyer is now fully 40 in America. But by listening to this show and following the path that we help you with and engaging with our coaching and reading our newsletter, you are well ahead of this now I have a traditional financial advisor friend who says that he recently shared with me that he thinks a couple is in good shape if they have a net worth of $2 million by age 40. I don't know about that, though, if it's $2 million and a soldier in a 401 K that's locked away and it's not producing any income, that's a poor trajectory for the 40 year old couple. Sheesh, it's still a minimum of 20 more years from there until you can access 401K money, penalty, free. And, yes, there are some workarounds, but that's generally the picture. Well, instead, if you're a 40 year old couple with $2 million dollars in real assets. Oh, now you're in a substantially better position than if it were in some illiquid, conventional retirement plan. If it's in real assets. Oh, now you've got all these options. It could be producing income. You've got tax advantages that are greater than a 401, K, you might be able to access some of the equity, tax free, with a refi and plus say that your $2 million in equity is leveraging $5 million in real assets. Well, then, with 5% appreciation that alone is growing your net worth by $250,000 every single year, in addition to everything else that it's doing for you, yeah, talk about diverging from the herd. $2 million of equity in real assets crushes. Having that amount in a 401 K for you as part of a 40 year old couple, by age 45 you could very well be job optional. You could have teenage kids now, so you've got some expenses, you've been cash out, refinancing in a refi for life plan. Now your properties regularly are able to buy more properties for you, so that you aren't spending your own money on them. Instead, you're spending your own money on travel and living a better life than those others that are soullessly grinding at age 45 and yes, by the way, let's acknowledge that there would be ways for you to borrow out of a 401, k as well, but they're less forgiving than borrowing against your real assets after this period of time for you, you're getting into your late 40s, it is less about accumulation and it's more about optimization and freedom. I mean, you're soon asking, What do I want my life to look like? And you're not asking, How do I make more money? And at age 50 plus, since I really don't have much life experience here, you've probably done a number of 1031, exchanges, or you're even doing 721, exchanges, if you're substantially older than this saying that you want to retire from landlording. Now, one big lesson learned here is that early on, that focus, that concentration, is what allowed you to diverge from the herd that played small with diversification. One thing to be aware of when you're asking yourself that question, how much is enough? You're asking, how much is enough? Well, today, a five to $6 million dollar net worth that can usually generate enough income so that you don't have to work anymore. But people have a propensity to move the goalposts. It's most natural to think that you need to have twice as much as what you have now. Almost everybody inevitably thinks his way. If you've got 100k to your name, you think you've got it made. If you have 200k and if you've got 5 billion, you think you will need 10 billion. Be aware of that propensity to move the goalpost the amount that you think you need is almost always double what you have right now. And of course, in the words of the late George Foreman, the question isn't at what age I want to retire, it's at what income. Even conventional retirement planners will tell you that they just need to know two things in order. A plan for you, how much monthly income are you going to need, and how long you're going to live. And I think they've got that part right now. As you listen to those age profiles, you might have felt yourself ahead of that pace, on that pace, or behind that pace. There's a good chance that you were behind that pace, because by age 20, most people just don't adopt the abundance mentality that early. Most people drift through these decades, but if you understand the sequence, it's really this, learn, then earn, then buy, then scale and then optimize and be sure that you're living the entire time. The really good news for you is that you don't need luck. You need alignment with the stage that you're in. And if you get that right, you don't just build wealth, you build a life where money works harder than you do. Most people that try to do that get their money to work harder for them, well, that approach does not work until it's too late, but it works out for us because we ethically crowdsource other people's money to work harder than we do. To review what you've learned today. Wealth is built through concentration, not diversification. And from a young age, set up your life not to live below your means, but to grow your means. I'll talk to you again next week. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  36:42   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively,   Keith Weinhold  37:10   The preceding program was brought to you by your home for wealth building, get rich education.com  

Five Guns West (1955) Jeff and Cheryl head out west, or maybe north, with a quintet of pardoned criminals on a mission in Five Guns West.Screenplay by R. Wright Campbell Produced and Directed by Roger Corman Starring: John Lund as Govern Sturges Dorothy Malone as Shalee Touch Conners as Hale Clinton Bob Campbell as John Morgan Candy Jonothon Haze as Wiliam "Billy" Parcell Candy Paul Birch as J. C. Haggard James Stone as Uncle MimeJack Ingram as Stephen JethroLarry Thor as Confederate Captain James B. Sikking as Union Sergeant (uncredited) A Palo Alto Production Distributed by American Releasing Corp. View the Five Guns West trailer here.Stream Five Guns West on Tubi, Plex, Prime Video, or the Roku Channel.Visit our website - https://aippod.com/ and follow the American International Podcast on Letterboxd, Instagram and Threads @aip_pod and on Facebook at facebook.com/AmericanInternationalPodcast  Get your American International Podcast merchandise at our store. Our open and close includes clips from the following films/trailers: How to Make a Monster (1958), The Brain That Wouldn't Die (1962), I Was a Teenage Werewolf (1957), High School Hellcats (1958), Beach Blanket Bingo (1965), The Wild Angels (1966), It Conquered the World (1956), The Abominable Dr. Phibes (1971), and Female Jungle (1955) 

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This show has been flagged as Clean by the host. https://rufus.ie/en/ Kasa Smart Plug Mini with Energy Monitoring, Smart Home Wi-Fi Outlet Works with Alexa, Google Home & IFTTT, Wi-Fi Simple Setup, No Hub Required (KP115), White INIT STUFF Sudoers Apps apt update && apt install -y psmisc screen net-tools snapd pipx xbindkeys xbindkeys-config git nmap mono-runtime etherwake cloudflare-ddns mlocate samba # python pipx gahh su plex - pipx install python-kasa # sudo mkdir /root/PYTHONVENV/ python3 -m venv /root/PYTHONVENV/ pipx install python-kasa pipx ensurepath # update db mount -a sed 's//media//g' -i.bak /etc/updatedb.conf updatedb Contab 0 0 * * * /usr/local/bin/cloudflare-ddns --update-now 0 7 * * * /usr/local/bin/etherwake -i enp1s0 -D "d8:bb:c1:a2:2c:0b" 0 3 * * * /usr/bin/veracrypt -d 0 0 5 * * /usr/local/sbin/BSA.sh Mounts cat /etc/fstab UUID=2317187b-c592-46a7-8d8e-45c7d1eae7fc / ext4 errors=remount-ro 0 1 UUID=61A0-586A /boot/efi vfat umask=0077 0 1 UUID=db166a45-1afb-47dc-85cd-cbfcb06a9766 none swap sw 0 0 # data UUID=dbb20dc6-9487-4510-9ab1-c7bbc3014cdb /media/data ext4 defaults,nofail,noatime 0 2 # moredata UUID=5df24408-36ae-4205-8ecb-9d523dc4d820 /media/moredata ext4 defaults,nofail,noatime 0 2 # backup UUID=c1aac0d2-73ca-4d95-883f-5e1f43b5cd13 /media/backup ext4 defaults,nofail,noatime 0 2 Tunefs sudo tune2fs -c 5 -i 7d -C 1 /dev/sdd2 sudo tune2fs -c 5 -i 7d -C 1 /dev/sdb1 sudo tune2fs -c 5 -i 7d -C 1 /dev/sda1 sudo tune2fs -c 5 -i 7d -C 1 /dev/sdc1 XFCE Autologin # /etc/lightdm/lightdm.conf [Seat:*] autologin-user=plex autologin-user-timeout=0 # Enable service systemctl enable lightdm UPower ( do not run pwrstatd ) cat ./UPower/UPower.conf [UPower] EnableWattsUpPro=false NoPollBatteries=false IgnoreLid=false UsePercentageForPolicy=true PercentageLow=10 PercentageCritical=3 PercentageAction=2 TimeLow=1200 TimeCritical=300 TimeAction=120 CriticalPowerAction=HybridSleep PLEX RESTORE/BACKUP /home/plex/Library /media/moredata/_PLEX/usr/lib/plexmediaserver/ Backup ? https://github.com/sinicide/ansible-vm/blob/master/roles/plex/files/pms-backup.sh Autostart Plex /home/plex/.config/autostart# cat PLEX_STARTUP.desktop [Desktop Entry] Encoding=UTF-8 Version=0.9.4 Type=Application Name=KODI_STARTUP Comment=KODI_STARTUP Exec=/home/plex/.local/bin/Plex.sh OnlyShowIn=XFCE; StartupNotify=false Terminal=false Hidden=false RunHook=0 OMBI Sabnsbd+ IDK ... ?!!?!?!? 251 pipx install git+https://github.com/sabnzbd/sabnzbd.git 252 pipx install sabnzbd 253 pipx inject sabnzbd feedparser configobj cherrypy portend chardet cheetah3 puremagic guessit babelfish tmdbsimple 254 pipx install sabnzbd 255 python3 -m venv venv 256 source venv/bin/activate 257 pip install -r requirements.txt 258 cat > ~/sabnzbd/sabnzbd-wrapper.sh ~/sabnzbd/sabnzbd-wrapper.sh

Cory usually brings the funk, but today he's got the punk with a pair of movies that warped his young mind way back in the 80s. And he's also brining along film historian and commentary track superstar Marc Edward Heuck in an episode we call CORY'S PUNK ROCK AND SHOCK TIL YOU DROP! (Or at least that's what Bob called it when he hyped it in our last episode.) Cory's first pick is LADIES AND GENTLEMEN, THE FABULOUS STAINS (1982--kinda), a movie most of us discovered on USA Network's glorious NIGHT FLIGHT in the mid-80s. This movie about a defiant girl punk band getting out of their shitty mill town inspired L7 and Bikini Kill to start bands, and even Jon Bon Jovi cites it as an influence. JBJ notwithstanding, our world would be a crappier place without it. Marc contributed two commentary tracks to the excellent new Fun City Editions 4K UHD and Blu-ray release so he will tell you all about the movie that Paramount could not keep down. Then, the Mystic Knights of the Oingo Boingo capture their crazed stage show in the surreal PHANTOM ZONE (1980). And if that wasn't enough, they added Hervé Villechaize and Susan Tyrrell as the king and queen to make it even weirder. Streaming on Roku, Tubi, Plex and more. In the intro segment, Marc tells us what it's like to record commentary tracks, Bob talks about the wonders of digital broadcast with all the MeTVs there, and Cory and Philena extol the virtues of low-budget TV jingles. Get the new Fun City Edition FABULOUS STAINS disc at https://www.funcityeditions.com/shop/p/fabulousstainsslipbox Marc Edward Heuck has been kicked off of Twitter so follow him on Bluesky at https://bsky.app/profile/meheuck.bsky.social Hosts: Cory Sklar, Philena Franklin and Bob Calhoun. Greg is on assignment. OMFYS Theme Song and "Get in Line" courtesy of Chaki the Funk Wizard. Order Chaki's new LP, FROM LA TO THE BAY on 12" VINYL at chaki.bandcamp.com/album/from-l-a-to-the-bay-2 Trailer and other archival audio via archive.org. "Scratching Teeth" by JHS Pedals via YouTube Audio Library Web: www.oldmoviesforyoungstoners.com Instagram/Facebook (Meta): oldmoviesforyoungstoners Bluesky: @oldmoviesystoners.bsky.social Contact: oldmoviesforyoungstoners@gmail.com NEXT EPISODE: GRAVE ROBBERS FROM HOLLYWOOD with PLAN 9 FROM OUTER SPACE (1958). Subscribe on your favorite podcast app so you don't miss it!

Welcome to the wild! Charming guest Landree Fleming joins us for an all natural improvised musical much better than Shakespeare's original, complete with shrewd shrews, sick scientists, and a ravenous revolution. La la la! Landree Fleming (She/Her) is a Chicago-based actor, director, and improviser. Catch her most Tuesdays in TMI at the Annoyance Theatre. She's performed at the Paramount Theatre, American Theater Company, Marriott Theatre, Drury Lane Theatre, Porchlight Music Theatre, Griffin Theatre, and Theatre at the Center. She's directed at Paramount Theatre, Marriott Theatre, Metropolis Theatre, Theo Ubique, Roosevelt University, and North Central College! She stars in the Dungeons & Dragons TV show Encounter Party from Hasbro, Wizards of the Coast, and eOne, currently streaming on Plex, Freevee, and Roku, an adaptation of her podcast with the same name. She's appeared on Chicago P.D. and Chicago Med, and recently directed Modern Gentleman at About Face Theatre. Rep: Stewart Talent IG: @landreerfleming Cast: Lily Ludwig, Austin Packard, Landree Fleming Music Director: Sam Scheidler Drums: Chris Ditton Charm Scene is performed entirely by humans in sunny Chicago, IL. For more on the podcast, follow us @CharmScenePod on Instagram, visit us online at charmscenepod.podbean.com, or email us at CharmScenePod@gmail.com. In listening to this show, we hope you continue to support live human art wherever you find it. Stay charming!

Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 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. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   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 you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

Episode Notes ** Can you believe it's MAY ALREADY!?!?!?!?! ULTRAMAN ACE is still available for free on TUBI, Pluto, PLEX, and Amazon Prime! Also on Blu-Ray from Alliance Entertainment!  Own your media! Thank you, everyone, for listening to the show! Spread the word! Our ever-improving website is www.ultramanpodcast.com We have a Facebook group! https://www.facebook.com/groups/ultramanpodcast Help us reach our NEW EQUIPMENT GOAL of $500 by buying us some coffee ko-fi.com/ultramanpodcast  We are also on Instagram @ultramanpodcast Now on BluSky at ultramanpodcast.bsky.social We couldn't do this podcast without the fine contributors at the Fandom Ultraman Wiki. Thank you for all that you do! https://ultra.fandom.com/wiki/Ultraman_Wiki Your Hosts- Rich Conroy and Pat Rooney Announcer- Gretchen Brooks Producer and audio wizard- Casey Kittel caseykittel.com Opening theme "Once More, While Seething" and all music for this podcast is provided by Terminal Sunburn- www.terminalsunburn.bandcamp.com ** This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-5cfc6e for 40% off for 4 months, and support The Science Patrol.

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Although rare, recognizing NMOSD is crucial for improving patient outcomes through correct diagnostic and treatment approaches. Reports of atypical forms and increasing knowledge of clinical, imaging, and laboratory-specific features are fundamental for the accurate recognition of this condition. Research on targeted therapies and biomarkers measuring and predicting disease activity will improve NMOSD management. In this episode, Gordon Smith, MD, FAAN, speaks with Sara Mariotto, MD, PhD, coauthor of the article "Neuromyelitis Optica Spectrum Disorder" in the Continuum® April 2026 Multiple Sclerosis and Related Disorders issue. Dr. Smith is a Continuum® Audio interviewer and a professor and chair of neurology at Kenneth and Dianne Wright Distinguished Chair in Clinical and Translational Research at Virginia Commonwealth University in Richmond, Virginia. Dr. Mariotto is a neurologist in the Neurology Unit in the Department of Neurosciences, Biomedicine, and Movement Sciences at the University of Verona in Verona, Italy. Additional Resources Read the article: Neuromyelitis Optica Spectrum Disorder Subscribe to Continuum®: shop.lww.com/Continuum Earn CME (available only to AAN members): continpub.com/AudioCME Continuum® Aloud (verbatim audio-book style recordings of articles available only to Continuum® subscribers): continpub.com/Aloud More about the American Academy of Neurology: aan.com Social Media facebook.com/continuumcme @ContinuumAAN Host: @GordonSmithMD Full episode transcript available here Dr Smith: Neurology is an increasingly therapeutic specialty, and across many of our subspecialty areas, lots of new drugs are being approved. Are you interested in learning more about a historically disabling disorder for which we now have a spectrum of new therapies that, if used appropriately and promptly in the right clinical situation, promise to dramatically improve patient outcomes? If so, keep listening. My name's Dr Gordon Smith. Today I'll be talking with Dr Sara Mariotto about her article on neuromyelitis optica spectrum disorder or NMOSD, which she wrote with Dr Romain Marignier. This article appears in the April 2026 Continuum issue on multiple sclerosis.  Dr Jones: This is Dr Lyell Jones, Editor-in-Chief of Continuum. Thank you for listening to Continuum Audio. Be sure to visit the links in the episode notes for information about earning CME, subscribing to the journal, and exclusive access to interviews not featured on the podcast.  Dr Smith: This is Dr Gordon Smith. Today, I'm interviewing Dr Sara Mariotto about her article on neuromyelitis optica spectrum disorder or NMOSD, which she wrote with Dr Romain Marignier. This article appears in the April 2026 Continuum issue on multiple sclerosis. Sara, welcome to the podcast, and maybe you can start by introducing yourself to our audience.  Dr Mariotto: Yes. Thanks, Gordon. I'm Sara Mariotto. I'm a neurologist, and I work at the Neurology Unit, University of Verona, where I do both clinical diagnosis and research into neuroimmunology---so, in particular, autoimmune encephalitis, NMOSD, and MOGAD.  Dr Smith: Well, this is a super exciting area. Whenever I hear about NMOSD, I think of one specific patient I had, and I always think of her when I come across something like your article, which is really fantastic. So, before we dive into the details, I wonder if maybe you can just explain to our listeners who aren't up to speed on what NMOSD is, what the disorder is, and maybe why it's so important that all of our listeners learn how to recognize it quickly and get people started on therapy.  Dr Mariotto: Yes, sure. So, neuromyelitis optica is an inflammatory autoimmune CNS disorder usually associated with aquaporin-4 antibodies, although there are a few cases, around 10%, who can be antibody-negative. And I think it's very much important to have in mind this disease and recognize it because it can be severe, as you pointed out; can present with very severe optic neuritis, myelitis, the brain stem, or area postrema syndrome. So, it can be really severe, affect quite young people around 40 years of age---although it can affect also the pediatric population and elderly people---and, importantly, it can be treated. It's very much important to treat this patient in the acute stage very quickly with steroids or plasma exchange in addition, and then to start a chronic treatment. So, we have treatment for this condition. So, it's very much important to, to recognize it quickly and treat the patient properly.  Dr Smith: So, I wonder if we can talk a little bit about the diagnostic criteria and boundaries of NMOSD, right? So, someone who comes in with bilateral op- severe long segment optic neuritis or long segment myelitis, we think about it. But what are the boundaries? Should we be looking for this, for instance, in someone who comes in with a unilateral optic neuritis or looks like typical multiple sclerosis? Is it important to get aquaporin-4 antibodies in those patients? What do the diagnostic criteria say about this?  Dr Mariotto: So, I wouldn't test aquaporin-4 antibodies in all patients with demyelinating conditions because although aquaporin-4 antibody assay is very specific, as for all assay and all antibody testing---also for MOG antibodies, for example---some false positive results can come out. So, I would suggest to test aquaporin-4 antibodies not in typical MS cases but in those who could be suggestive for not being MS, so in all those cases with atypical optic neuritis and myelitis or other syndromes. For those cases, it's important to test aquaporin-4 antibodies, but I wouldn't test them in all typical, classical MS cases. As I said, it's quite specific, the assay, so it's uncommon to have false positive results, but it can be.  Dr Smith: Serum, CSF, both?  Dr Mariotto: So, for aquaporin-4 antibodies, they're usually present in serum. They can be positive also in the CSF. And there are a few reports of isolated CSF positivity. But if we analyze larger samples volume, then it becomes clear that isolated CSF positivity is so, so rare that it's not recommended to test them in the CSF when serum is negative. So, for aquaporin-4 antibodies, the recommended matrix of testing is serum, which is different for MOG, which is not the topic of our article but is important to mention because MOG antibodies should be tested in serum and CSF. But aquaporin-4, I would recommend to test serum.  Dr Smith: What are the boundaries between MOGAD and NMOSD? And you talked about the differential testing of antibodies, which I was going to ask about. But when should we think of NMOSD relative to MOG? Dr Mariotto: Yeah. There are aspects which are the one mentioned in the criteria, highly suggestive for NMOSD. But the clinical spectrum can be similar to that of MOGAD. Usually, although there are some clinical aspect---like, for example cortical encephalitis or ADEM, which is more typical for MOGAD, or others like area postrema syndrome, which are more typical of NMOSD. The spectrum can be similar among the two conditions, so that's why in our clinical experience, usually they ask both aquaporin-4 and MOG antibodies in patients. It's- for experts, it can be easy to differentiate the two conditions, but for nonexperts can not be so easy.  Dr Smith: Can you define area postrema syndrome? I think not all of our listeners see that every day.  Dr Mariotto: Yeah, sure. This is a syndrome which is highly suggestive of NMOSD. That's why I mention it. And it's characterized by nausea, vomiting, hiccups are known as the syndrome. And it is very, very suggestive because of the expression of aquaporin-4 in that area of NMOSD. That's why I strongly recommend for all patients who comes out to have this syndrome to test for aquaporin-4 antibodies. MOGAD is hardly ever positive for that, so I think that whenever you see a patient with that syndrome, you should think about NMOSD.  Dr Smith: I'm just curious, aquaporin-4 is a water channel, which is kind of an interesting concept. Our conversation, I really want to make sure we give clinically important information to folks, but it's so curious to me at least, how does this actually result in a inflammatory demyelinating syndrome? For a simple neuromuscular guy, what's the immunopathogenesis of this?  Dr Mariotto: Yeah, the immunopathogenesis is quite complicated, as in all CNS disorders. And of course, aquaporin-4 antibodies are the main focus, but they are not the only one. As you said, aquaporin-4 antibodies have a target, this water channel, which is at the basis of the disease, and they are produced by the interplay between T cells, B cells, and plasma cells. But then also eosinophils, macrophages, cytokines, and chemokines are involved, enter the CNS, and then another important component is complement, which is highly activated in this disease. At the end, we have astrocyte damage because astrocytes are the main target of the disease, but also axon and myelin are involved. So, it's a quite complex pathogenesis based on the antibodies, but not only on that.  Dr Smith: And this will become important when we start talking about treatment. There seems to be a recurring theme of long segment demyelination, right? Optic neuritis is typically a large percentage of the length of the optic nerve, and obviously the myelitis se- more than three segments. Do you see other long segment areas of CNS demyelination, corpus callosum or things like that? Any ideas why that is, if that's true?  Dr Mariotto: Of note, this is quite interesting because usually when we have NMOSD, we have a longitudinal involvement, especially of the optic nerve and spinal cord, while brain lesions are quite different. Like, we usually do not have the typical Dawsen fingers-like lesions that we have in MS, for example, or the classical periventricular or subcortical extensive lesions that we can see and we have in mind when we think about MS. In some cases with NMOSD, the brain is completely negative, so we do not see anything. And Dawsen lesion's quite suggestive of NMOSD. So, you're right. I mean, this is related partially to the expression of aquaporin-4, and that's why we have this typical involvement also for area postrema, for example, and maybe also our other examples of clinical aspect that we can see in these conditions. But it's basically linked with the expression of aquaporin-4, which is the main target of the disease. And that's why usually the brain doesn't show so much involvement as we can see in MS, for example.  Dr Smith: I was actually really interested in some of the unusual manifestations or phenotypes, and I don't want to get into arcadia, really, but which of these should our listeners be familiar with that would really suggest that they should be thinking about NMOSD beyond the area postrema and other features that we've already talked about that are part of the core criteria?  Dr Mariotto: Yeah. I mean, I think that the encephalic syndromes or also ADEM, which is most typical of MOGAD but can be observed also in NMOSD or PRES, for example, are syndromes that can be considered in patients with NMOSD. There are the typical ones, which are the ones showed in the criteria, but whenever we have a brainstem involvement or, like, these encephalic syndromes or also PRES, we should think about NMOSD also.  Dr Smith: Another area I was interested in are red flags. In your article, you talk about red flags that might suggest an alternative diagnosis, right? And then this presumably is particularly important in seronegative patients, which 10% is not a reasonably high number, I suppose. What are red flags we should be thinking about for some other diagnosis?  Dr Mariotto: Yeah. I would here mention two very important red flags. The first one is a very hyperacute onset. Usually these conditions, these inflammatory conditions have a subacute onset, so whenever you have a very, very acute onset, you should think about something else. This can occur sometimes also in NMOSD, but hardly ever occur. Like, a very acute myelitis, the first thing we should think about is a vascular origin, for example, with a lot of pain and not about NMOSD, although sometimes the differential diagnosis is not so easy. The second thing is a progression independently of relapses, which hardly ever occur in NMOSD. Usually in NMOSD, we have the onset, and then we have a relapsing disease course. That's why we have to treat patients always and not to stop treatment. But we do not have progression in the meanwhile, while we can have, for example, this in MS. Same thing is for MOGAD. So, these are two things that I think is very much important to keep in mind.  Dr Smith: I want to pivot to talk about treatment because that's been super exciting. But rumor has it there are new diagnostic criteria coming for NMOSD in the next year. I bet you know a bit about those. Can you give our listeners any indication about kind of where the puck is going on this? Not so much what the criteria are specifically, but what sort of diagnostic challenges are the new criteria going to help us with once they come out?  Dr Mariotto: Yeah. So basically, we are working on that, so you will read them in the next future. This is the good point of the conversation on the new criteria. And we work a lot on the definition, on the new definition and nomenclature of NMOSD; on the definition of seronegative NMOSD, which is also quite tricky; and then on the assay we should use to test aquaporin-4 antibodies, and also on potentially new syndromes which should be included into the main feature of the disease. But hopefully you will read about this very soon.  Dr Smith: Looking forward to it. And Continuum Audio listeners, you heard it here first, so thank you. Let's pivot to treatment. This has been super exciting, and I wonder if the way to approach this is to start with acute management and then sort of chronic management. Would that make sense?  Dr Mariotto: Sure.  Dr Smith: Let's say I go on service on Friday, and I have a patient who comes in with positive aquaporin-4 and bilateral optic neuritis. What's the acute approach to managing that patient?  Dr Mariotto: So, the first approach is to administer intravenous steroids, but I would not wait to escalate to plasma exchange. There is quite good evidence that we should treat the patient with additional plasma exchange very quickly, and every day of delay of plasma exchange can cause increased disability. So, we should treat patients with steroids first, and then if we are not satisfied by the recovery, soon start with a plasma exchange. There is also some evidence, although less, for IVIG, but it's important to try to treat them very quickly, even if it's Friday, you know, there is the weekend and so on. But I think it's very much important to start with steroids after excluding other infectious causes or so on, and then to start quickly with plasma exchange. The main problem could be that we do not have the results of the antibody yet.  Dr Smith: Right. So, let me ask that question. You know, let's say my patient comes in on Friday, and clinical syndrome that really looks like NMOSD, and we're waiting for the aquaporin-4. There are many places where it's hard to get plasma exchange over weekends. And so, in that setting, are you better off doing the steroids over the weekend then PLEX on Monday, or should we just give IVIG because maybe it's as good as PLEX? What's your advice there? I'm trying to get ready for Friday because I know one's coming in.  Dr Mariotto: That's true, that's true. Usually they come on Friday or Saturday. I think it's acceptable to have three days of steroids and see how the patient improves, and then after three days to start with plasma exchange. Actually, we have a very good improvement if we start between three and five days after onset. So, I think waiting for three days is acceptable just because we can see if the steroids work properly or not, and then we can quickly start to plasma exchange. But I would not wait, like, 10 days, you know, before starting with a plasma exchange, and I would not wait for antibody results.  Dr Smith: Got it. Super helpful. And I'm actually not joking around, I learned recently that I have a reputation among our residents for having lots of optic neuritis when I'm on service, which I think is sort of karmic justice for being a peripheral nerve expert. But let me ask another question. So, let's say we do that, and the patient gets three or five days of pulse methylprednisolone and five courses of PLEX, and they're not doing well. Do you then just move right along into another agent B cell depletion therapy? I mean, what's your next step in escalation in the acute setting?  Dr Mariotto: I would for sure start to, as you said, with steroids, plasma exchange, and in case IVIG, and then quickly move to chronic treatment. And for patients who are not recovering well, I would think of something which has a quick effect so we can really start treating patients very quickly. There are different options. And all over the world, there are different rules for using immunosuppression in NMOSD. Like in Italy, for example, it's different from US or other countries, Germany, for example. There are different approved treatments and different rules of using them before or after rituximab, for example. We all know that there are treatments approved for NMOSD all over the world. But in some countries, like for example in Italy, we should use rituximab first, and then if it doesn't work, escalate to the approved treatment. I know in the US it's different. But anyway, for a patient who does not improve quickly, I would start with something which has a quick effect on the disease.  Dr Smith: And then rituximab versus inebilizumab, you know, CD20, CD19, what's your advice there? Is one preferable to the other, you know, if we have options to do either?  Dr Mariotto: Yeah. So, between rituximab and inebilizumab, we know that the target, well, is different, but is anyway B cells, so CD19 and CD20. With CD19, we can affect both plasma blast, plasma cells, and B cells. That's why the target is broader. And of note, this is an approved drug, while rituximab is, in most countries, used as off-label treatment.  Dr Smith: So inebilizumab would probably be preferable if we're able to do that.  Dr Mariotto: Unfortunately, there are not so many studies comparing rituximab with the approved drug, which is, of course, a pity, but that's the case. While we have clinical trials for all the approved drugs, and although the trials were designed differently, as we mentioned in the Continuum paper, we can argue something of the comparison between the approved drugs. But it is not so clear the comparison between rituximab and the new drugs, which is also something that we should work on.  Dr Smith: And then for chronic suppressive management, what other options are there?  Dr Mariotto: So, in addition to B cells, target can be interleukin-6, as we know with tocilizumab or satralizumab, and then complement with eculizumab. These drugs are both based on the pathogenesis of the disease. That's why we also discuss it in the paper, which shows a clear involvement of complement, and among cytokines of interleukin-6. So, targeting these made clear that could improve the disease quite well, and that's why they designed some clinical trials on these drugs, which are now approved, as we said, for NMOSD.  Dr Smith: Wow, so many options, and a lot of questions, but limited time. Let me just ask a couple of more. I see a lot of myasthenia patients, and there's a lot of variability, as you know, in patients with myasthenia, the extent to which complement is an important mechanism versus other, you know, important mechanisms. To what extent is response to a complement inhibitor kind of uniform across NMOSD? Or there's some patients who just don't respond to a complement inhibitor and others that respond really well. And then just, I'll just give my second question out is, you know, what about combination therapies for patients who have particularly challenging NMOSD?  Dr Mariotto: So usually these patients have a terrific response to complement inhibitors, and this is also shown by the clinical trials where we saw how eculizumab have a very impressive effect on the disease. And also, maybe this is also your experience, a very quick effect. So that's why there are also thoughts on using it in a very acute stage of the disease. That was what I was thinking about before. But then it has a very huge effect on complement, which is a major factor involved in the pathogenesis of NMOSD also in the chronic disease stage, and that's what also we see from clinical trials. Usually, we prefer to switch treatment from one to another and not to combine them. Of course, in very difficult cases, this can be considered, but the recommendation is to switch from one of these approved drugs to the other, or from rituximab to one of the approved drugs, and try to find out the best for our patient before combining them. Dr Smith: The complement inhibitor trials are breathtaking, at least for me. If I'm trying to convince students to go into neurology, I'll say, "Take a look at that paper," because anyone who claims that we're "diagnose and adios" is so wrong. It's so exciting. So, at a high level, this must have fundamentally changed outcomes for patients. I mean, it's still a difficult disease, but what is the kind of prognosis for that patient I described who comes in, gets the therapy you talked about? What does their long-term outcome look like in this modern therapeutic environment? Dr Mariotto: So, NMOSD is almost always a relapsing disease. That's why, as we mentioned, we have to treat patients always. But the prognosis changes a lot since we were also able to use all these drugs for the disease. So, the prognosis changes if we recognize it properly and early, and if we treat NMOSD properly with immunosuppressives. So, whatever we choose it's important to start it quickly, and this is the only way that we have to improve the prognosis of this disease. We have very active cases, but we have also cases who responds quite well to this immunosuppressive treatment, since now we have, as mentioned, these ones which are very impressive and show incredible results. So, the prognosis of the disease change in the last year, thanks also to the improvement of the diagnosis and of the treatment choices for the disease.  Dr Smith: I'm just... I- maybe my last question, you know, just at a personal level, not only for you as an expert who's caring for these patients, but in the patient community, this must have been a pretty exciting period of time, right? I mean, these, these drugs are coming fast and furious, and what a change. What's the kind of zeitgeist in the community, both your professional community and amongst the patient community about where we are? Dr Mariotto: Yeah, you're right. The last years were defined the years of NMOSD and also MOGAD because we had finally approved drugs which is relevant for all the disease that we treat and changed the landscape of the disease for clinicians, but also for patients. And we have more than one, as we said, so we have more options that we can also discuss with patients to try to choose the best one in terms of activity, but also route of administration or time. Some years ago, we just had rituximab, which is not approved in most of the countries, and now we have different approved drugs. And we improved the diagnosis of the disease thanks to the availability of live cell-based assay. And then we are working a lot also on biomarkers like GFAP, for example, which has been shown to be a very attractive biomarker able to mark disease activity and maybe also prognosis on this disease. So, you're right. I mean, in the last years, the landscape of NMOSD changed a lot.  Dr Smith: Sara, thank you so much for talking with me. I could keep going for another half an hour, but I would be in trouble with my editor, so I think we probably need to wrap it up. But thank you so much. This has been very informative.  Dr Mariotto: My pleasure. Dr Smith: Mine too. Thank you. Again, today I've been interviewing Dr Sara Mariotto about her article on NMOSD, which she wrote with Dr Romain Marignier. This article appears in the April 2026 issue of Continuum on multiple sclerosis. Be sure to check out Continuum Audio episodes from this and other issues, and thanks to you, our listeners, for joining us today. Dr Monteith: This is Dr Teshamae Monteith, Associate Editor of Continuum Audio. If you've enjoyed this episode, you'll love the journal, which is full of in-depth and clinically relevant information important for neurology practitioners. Use the link in the episode notes to learn more and subscribe. AAN members, you can get CME for listening to this interview by completing the evaluation at continpub.com/audioCME. Thank you for listening to Continuum Audio.

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This Week in Horror History for April 27–May 3 dives into a packed week of horror movie history, horror release date anniversaries, cult horror films, monster movies, vampire cinema, Stephen King adaptations, teen witch horror, found-footage horror, fake true crime, and killer-plant sci-fi horror — from Godzilla, King of the Monsters!(1956), The Hunger (1983), Creepshow 2 (1987), and The Craft (1996) to this week's Deep-Cut Spotlight, The Poughkeepsie Tapes (2007). If you love classic horror movies, '80s horror, '90s horror, gothic vampire films, anthology horror, cult classics, scary movie anniversaries, horror trivia, and hidden horror gems worth revisiting, this episode is built for you.Inside this episode:April 27, 1956 — Godzilla, King of the Monsters!: the American cut that helped turn Japan's atomic monster into a worldwide horror icon, reshaping Gojira for U.S. audiences and introducing countless viewers to Godzilla's radioactive roar, city-smashing spectacle, and nuclear-age creature-feature terror.Where to watch (U.S., this week): Criterion Channel and Cinemax channels; rentable on Apple TV.April 29, 1983 — The Hunger: Tony Scott's stylish vampire cult film, starring Catherine Deneuve, David Bowie, and Susan Sarandon in a cold, glamorous nightmare about immortality, obsession, desire, aging, and the terrible fine print of living forever.Where to watch (U.S., this week): Tubi and Hoopla; rentable on Amazon Video, Apple TV, and Fandango at Home.May 1, 1987 — Creepshow 2: Stephen King and George Romero return to EC Comics-style anthology horror with “Old Chief Wood'nhead,” “The Raft,” and “The Hitchhiker,” delivering revenge horror, lake terror, roadside dread, comic-book punishment, and one of the nastiest killer-blob sequences of the decade.Where to watch (U.S., this week): Prime Video, Prime Video with Ads, Shout! Factory Amazon Channel, Roku Channel, Pluto TV, and Prime Video Free with Ads; rentable on Amazon, Apple TV, and Fandango at Home.May 3, 1996 — The Craft: the definitive '90s teen witch horror classic, starring Robin Tunney, Fairuza Balk, Neve Campbell, and Rachel True, turning pain, power, outsider identity, high school revenge, black-lipstick rebellion, and occult coming-of-age horror into one of the most enduring cult favorites of the decade.Where to watch (U.S., this week): rentable on Amazon Video, Apple TV, Fandango at Home, and Plex.Deep-Cut Spotlight — April 27, 2007: The Poughkeepsie Tapes: a fake true-crime found-footage nightmare that premiered at Tribeca, vanished into distribution limbo, leaked into horror fandom, and built its reputation like a cursed tape passed hand to hand. If you're fascinated by disturbing horror movies, mockumentary horror, serial-killer fiction, faux-documentary dread, and movies that feel like evidence you were never supposed to see, this one still has a nasty little legend around it.Where to watch (U.S., this week): Prime Video; free with ads on Tubi and the Roku Channel.Birthday Roll: Lisa Wilcox, Carolyn Jones, Michelle Pfeiffer, and Kirsten Dunst.Weekly Recommendation — The Day of the Triffids (1963): a pulpy sci-fi horror killer-plant apocalypse where spring turns predatory, a meteor shower blinds much of humanity, and the natural world starts moving in for the kill. It's perfect for fans of classic creature features, British apocalypse horror, killer plants, survival sci-fi, and vintage horror oddities.Where to watch (U.S., this week): Tubi, Roku Channel, and Plex.From Godzilla's radioactive monster-movie legacy and The Hunger's gothic vampire glamour to Creepshow 2's Stephen King anthology horror, The Craft's teen witch cult status, The Poughkeepsie Tapes' found-footage true-crime dread, and The Day of the Triffids' killer-plant apocalypse, this episode tracks how one week between April and May delivered a wildly varied run of horror history. Follow the Weekly Spooky feed for more horror podcasts, scary stories, horror movie discussion, cult horror recommendations, spooky deep dives, release date anniversaries, horror trivia, and genre history every week.

Hey there Lovelies, welcome back for the 391st episode of Final Girls Horrorcast! This week The Girls continue the 80's Were Weird series with 'The Lair of the White Worm' from 1988. Trailer Trashtalk: 'Hokum' to be released in theaters on May 1st Next Time on Final Girls Horrorcast: The 80s Were Weird Series continues with C.H.U.D. now available to stream on Pluto TV; Plex; and Prime Video

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Every retreat has a porcupine-through-the-shower-ceiling moment. What doesn't is a leader willing to go first with the truth. This is the Company Retreat series finale — Jury Duty Season 2 just dropped its finale, and I'm closing the loop on four weeks of diagnosing dumb theater with the one thing that actually breaks it: truth. The spark for today: Plex went viral on X this week. A $500K Honduras retreat that ended with food poisoning, Navy Seal drills, a tarantula eaten, and 20 people stranded on an island overnight. Some said they bonded. Chris says: survivorship bias. The people who felt threatened just left. It doesn't have to be that dramatic. What's missing in most corporate culture moments isn't intensity. It's truth.

Hello classmates!Video Game movies are BACK, Coyote vs Acme vs WB, PLUS is Disney still an industry innovator?Visit the YouTube channel Saturdays @ 12:30 PM Pacific to get in on the live stream, or just watch this episode rather than just listen!Channel:https://www.youtube.com/@middleclassfilmclassThis Episode:https://youtu.be/vg6cYrupTJAhttp://www.MCFCpodcast.comhttps://www.twitch.tv/MCFCpodcasthttp://www.facebook.com/MCFCpodcasthttp://www.twitter.com/podcastMCFChttp://www.tiktok.com/middleclassfilmclasshttp://www.instagram.com/middleclassfilmclassEmail: MCFCpodcast@gmail.comLeave us a voicemail at (209) 283-1716Merch store - https://middle-class-film-class.creator-spring.com/Join the Patreon:www.patreon.con/middleclassfilmclassPatrons:JavierJoel ShinnemanLinda McCalisterHeather Sachs https://twitter.com/DorkOfAllDorksChris GeigerDylanMitch Burns Robert Stewart JasonAndrew Martin Dallas Terry Jack Fitzpatrick Mackenzie MinerBinge Daddy DanAngry Otter (Michael)Trip AffleckJoseph Navarro     Pete Abeytaand Tyler NoeStreaming Picks:Thrash - NetflixThe Mummy (2017) - HBO MaxBob Trevino Likes it - HuluDinner in America - Roku, Kanopy, Plex

Episode Notes ** Can you believe it's April ALREADY!?!?!?!?! ULTRAMAN ACE is still available for free on TUBI, Pluto, PLEX, and Amazon Prime! Also on Blu-Ray from Alliance Entertainment!  Own your media! Ultramanconnection.com for all your news and such Thank you, everyone, for listening to the show! Spread the word! We have a Facebook group! https://www.facebook.com/groups/ultramanpodcast Help us reach our NEW EQUIPMENT GOAL of $500 by buying us some coffee ko-fi.com/ultramanpodcast  We are also on Instagram @ultramanpodcast Now on BluSky at ultramanpodcast.bsky.social We couldn't do this podcast without the fine contributors at the Fandom Ultraman Wiki. Thank you for all that you do! https://ultra.fandom.com/wiki/Ultraman_Wiki Your Hosts- Rich Conroy and Pat Rooney Announcer- Gretchen Brooks Producer and audio wizard- Casey Kittel caseykittel.com Opening theme "Once More, While Seething" and all music for this podcast is provided by Terminal Sunburn- www.terminalsunburn.bandcamp.com ** This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-5cfc6e for 40% off for 4 months, and support The Science Patrol.

Hey there Lovelies and welcome back for the 390th episode of Final Girls Horrorcast! Today we're kicking off the 80's Were Weird Month with a movie from 1988, ‘Slugs', streaming on Prime Video and Roku.    Trailer Trashtalk: ‘Lee Cronin's The Mummy' (March 17th, 2026)   Next Week - Join us next week as we chat about ‘The Lair of the White Worm' streaming on Kanopy, Hoopla, and Plex.

You’ve got quick tips galore this week: if your iPad battery’s draining mysteriously, your Apple Pencil might be the culprit, so pop it off when you’re not using it. Want custom emoji? Now you can create your own. LaunchBar fans, there’s a slick way to jump straight into System Settings, and if you’re self-hosting Bitwarden, the guys walk you through adding a local server with Cloudflare Tunnels. Pilot Pete also breaks down getting your digital ID working at TSA — and makes a compelling case that it’s actually more secure than handing over your physical license — plus there’s a look at TSA’s new Touchless ID system. On the AI side, if agentic browsing still makes you nervous, Dave and Pete have practical advice for easing in, and they dig into why the app you use matters just as much as the LLM behind it — including a look at Claude’s upcoming Mythos model. You’ll hear how to tighten your AI agent’s security awareness (Don’t Get Caught slipping on that one), use Comet to become the ultimate “Reply Guy,” let your LLM tell you which apps are available in Setapp, and even have your chatbot generate QR codes . Wrapping up, there’s a fix for Mail not seeing updated Contacts Groups, a cost breakdown of building your own 2026 27-inch iMac, and an honest conversation about whether Plex is getting worse. Press play and enjoy learning at least five new things, folks! 00:00:00 Mac Geek Gab 1137 for Monday, April 13th, 2026 April 13th: National Scrabble Day The MGG Merch Store is Live! MGG Monthly Giveaway – Enter to win a Plex Pass for a year! Congrats to March's SoundSource winners: Ian, Robert, and Jeff Quick Tips 00:00:01 Ian-QT-1136-Apple Pencil can drain an iPad battery 00:03:37 PilotPete-QT-Create Your Own Emoji 00:06:24 Ben-1136-CSF-Use LaunchBar to launch System Settings 00:08:22 Adding a local Bitwarden server Cloudflare Tunnels Cloudflare Workers Uplock app for Apple Passwords 00:21:39 PilotPete-QT- getting digital ID to work at TSA & why it's likely more secure than your license 00:25:59 TSA Touchless ID Sponsors 00:30:28 SPONSOR: CleanMyMac. Get Tidy Today! Try 7 days free and use our code MACGEEK for 20% off at clnmy.com/MACGEEK 00:32:01 SPONSOR: Pocket Hose. For a limited time, you can get a FREE pocket pivot and their 10-pattern sprayer with the purchase of ANY size Copper Head hose. Just text MGG to 64000. AI Side Quest 00:33:40 The Flora-Bama Club 00:35:59 Andy-What can I do if I'm not yet comfortable with agentic browsing? 00:41:20 Your AI app matters as much as the LLM 00:45:08 What's up with Claude's new Mythos LLM? 00:48:42 Jason-QT-Tighten Your AI Agent’s Security Awareness! 00:51:32 Using Comet to help you be “Reply Guy” 00:53:46 Todd-QT-Let your LLM tell you which apps you can get in Setapp 00:55:49 Roy-QT-Let your chatbot create QR codes iQR for QR Codes Your Questions Answered and Tips Shared! 00:58:33 Joe-Why is Mail not seeing my updated Contacts Group? 01:04:12 Brent-Cost breakdown of the 2026 27″ iMac 01:06:16 Matt-Is Plex getting worse? If so, can it get better? Emby Jellyfin 01:19:31 MGG 1137 Outtro MGG Monthly Giveaway Bandwidth Provided by CacheFly Pilot Pete's Aviation Podcast: So There I Was (for Aviation Enthusiasts) The Debut Film Podcast – Adam's new podcast! Dave's Business Brain (for Entrepreneurs) and Gig Gab (for Working Musicians) Podcasts MGG Merch is Available! Mac Geek Gab iOS app Mac Geek Gab YouTube Page Mac Geek Gab Live Calendar This Week's MGG Premium Contributors MGG Apple Podcasts Reviews feedback@macgeekgab.com 224-888-GEEK Active MGG Sponsors and Coupon Codes List BackBeat Media Podcast Network

Sabrina Soto is an interior designer, television host, author, and speaker known for her thoughtful approach to design as a tool for intentional living. With a career spanning television, publishing, and digital media, she has become a trusted voice in creating homes that reflect not perfection or trends, but clarity, comfort, and alignment.Rooted in the belief that our environments shape how we feel, think, and show up, Sabrina's work bridges the gap between design and personal transformation. Through her show The Sabrina Soto Show (streaming on Hulu and Amazon Prime Video) and her podcast Redesigning Life, she explores the powerful connection between space, mindset, and emotional well-being.Sabrina has been featured on TODAY, Good Morning America, The View, and Live with Kelly and Mark, and in leading publications including The New York Times, TIME, People, Elle Decor, and InStyle. Known for her warm and relatable perspective, she makes elevated living feel accessible, grounded, and deeply human.In This Episode, We Explore:How Sabrina Soto transformed her career from interior design into a purpose-driven lifestyle and wellness platformPractical ways to incorporate micro habits, grounding rituals, and self-care routines into your daily lifeThe power of manifestation, visualization, and the Law of Attraction in creating aligned successHow your physical environment impacts your mindset, energy, and personal growthSimple, actionable wellness tools, from evening rituals to sleep support practices, to feel more balanced and intentionalFollow Sabrina Soto on Instagram here: https://www.instagram.com/sabrina_soto/Follow Sabrian Soto on Tiktok here: https://www.tiktok.com/@.sabrinasotoWatch The Sabrina Soto Show on Hulu, Amazon Prime Video, The Roku Channel, Tubi, Plex, Philo, Fubro, or Samsung TV PlusStay Connected:Instagram https://www.instagram.com/whitneyaronoff/Instagram https://www.instagram.com/starseedkitchen/TikTok https://www.tiktok.com/@whitneyaronoffTikTok https://www.tiktok.com/@starseedkitchenLearn more about Starseed Kitchenhttps://starseedkitchen.com/Shop organic spiceshttps://starseedkitchen.com/shop/code STARSEED for 10% offWork with a personal chefhttps://form.typeform.com/to/CGDu08tEBook a 1-on-1 callhttps://bit.ly/4smXWUfFind more of Chef Whitney's offerings herehttps://linktr.ee/whitney.aronoff

Q-West, sexy advice, NJ hall of fame, Teddy's lottery ticket, cat problems, VC Box vs Plex, TESD awards. https://public.liveread.io/media-kit/tesd

Keith challenges the belief that all debt is bad and reframes it as a tool for building wealth when used intentionally.  He contrasts destructive consumer debt with productive investment debt, especially in real estate, and explains how inflation, long-term fixed-rate loans, and rental income can work together to grow net worth.  Keith explores the mindset shift from prioritizing safety and being debt-free to pursuing growth through leverage, highlights the opportunity cost of avoiding debt, and offers practical guidelines for using borrowing rationally rather than emotionally.  He also shows how modern economies and many wealthy individuals rely on strategic debt, positioning it as a key part of a more intentional, asset-focused version of the American Dream. Episode Page: GetRichEducation.com/600 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. 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   welcome to GRE. I'm your host. Keith weinholder, there's bad debt, good debt and great debt. Are you using debt wisely, and are you ensuring that you stay in debt? Because debt is the American dream today, on get rich education milestone episode 600   Corey Coates  0:23   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard in every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:06   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:40   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:56   Welcome to GRE from Kennewick, Washington at Kennebunkport, Maine and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. Yes, America's favorite slack jawed mammal on a microphone has got his act back on track, for your listening pleasure, since 2014 This is our 600th wealth building week in a row, you've been misled, not maliciously, not even intentionally, but somewhere along the way, a really expensive idea got planted inside your head, and it was once planted inside my head, that debt is bad, just blanketly bad, that the goal is to be debt free, that owing money to somebody else is something to escape as fast as possible. And look, I get it, if your mindset is in the old middle class consumer credit world like mine was for much of my life, debt feels heavy, it feels like risk, it feels like obligation, but the people telling you to avoid debt, they're the same people that never built much wealth now a reliance on 22% APR, credit card debt just To pay basic living expenses, because it's the only way that you could do it, merely making the minimum monthly payment that right there is the road to ruin. Why? Well, because the interest rate is high, because you have to pay it back yourself, and because it's unsecured, meaning that there's no collateral, and at the same time, the people quietly getting rich, what are they doing? They're using debt every single day. So debt is not the enemy, it's just the tool, and like any tool, it can build a house, or it can smash your thumb if you miss the nail. Well today we're going to separate the two, because if you understand this one concept, then you stop playing defense financially and start going on offense. In fact, I'll go further. Debt isn't the opposite of the American Dream used correctly. Debt is the American dream. Now, my turning point was really fueled when I made my first ever home, that $295,000 blue four Plex Building Two decades ago, with just my three and a half percent down payment. That meant that 96 and a half percent was borrowed. That's debt, and that fueled everything for me, and got the ball rolling on using that seminal four Plex to leverage even more debt and more property with 1031 exchanges and cash out refinances debt made that American dream free. Me because I could not have afforded $295,000 all cash back then. Now, a guest that we had on the show last year and the owner of a commercial lending company, Hannah Hannan, she recently talked about the virtues of debt. I met Hannah because we were both faculty members on last year's real estate guys Investor Summit at sea cruise. Well, Hannah went on a different cruise and saw in Jamaica that there were all these vacant and uncompleted houses just sort of weirdly stuck at different stages of construction. She asked the tour guide, why are these houses all abandoned? And and the tour guide answered, we don't have loans here in Jamaica. People have to work make money and then start the build, and then the build pauses while they make more money, and then they have to construct the next phase of the build as they go and go back to making more money like that. I mean, sheesh, that's awful. Can you imagine if you had to build a home or a rental property for yourself that way? Well, back here in the US, access to debt is what allows people to build wealth faster, especially in real estate, you can use other people's money control large assets, pay less in taxes and compound off a much smaller amount of capital. That's the difference. Debt availability is really good in the US compared to other nations, and that's the emphasis on the American part of today's episode. Debt is the American dream. Now, when it comes to the big misunderstanding, most people think that debt is really just one thing. They just lump it all like it's all bad, credit cards, car loans, student loans, mortgages. A lot of people, they really do. They just still throw it all into one mental bucket that's sort of labeled da, avoid that at all costs. I'm telling you, no way you cannot do that. I mean, this is like saying food is bad because candy exists. No, there's junk food and there's fuel. It's the same with debt. Consumer debt is a wealth killer. Investment debt is a wealth creator, and if you don't know the difference well, you end up avoiding the very thing that could move your life forward. Here's another way to think about it, debt doesn't make you poor. Using debt poorly makes you poor.    Keith Weinhold  7:36   In real estate, inflation is quietly paying your mortgage, even if you never made a principal payment at all. When you really understand this, it almost sounds too good to be true. Most people think inflation is just rising prices, and it is that, but they miss the other side of the equation. Inflation also shrinks debt, something I've been talking about for more than 10 years here. If you have a 30 year fixed rate mortgage, you're paying back that loan with future dollars that are worth less, and meanwhile, rents tend to rise, wages tend to rise, and asset values tend to rise, but your mortgage, it stays fixed. Inflation can't touch it, and that means that over time, your payment gets easier and easier to make. Oh, and then if you've got a tenant in place as well, oh, they're the one sending in the check for everything. And inflation is not just happening to you. It's now working for you. If you've got, say, a $500,000 mortgage loan, and inflation is 3% well, then inflation enriched you by $15,000 every single year. That's $1,250 a month just on this 500k mortgage loan. And if you've got an investment property rented out. You've even got the tenant paying down, oh, maybe $400 in monthly principal for you on the property, plus this $1,250 in inflation profiting, plus $100 of cash flow. This is $1,750 in monthly benefit before we've even added in your tax benefits and the appreciation potential. What made this all happen debt is what made it all a reality for you. When we talk about why the middle class fears debt, yeah, there is a mindset divide here. On one side, it simply says, get out of debt, stay out of debt and avoid risk. On the other we ask, How can I use that to acquire assets? So it's really like the first group is focused on safety and the second group is focused on growth, and after a while you have to ask bigger X. Potential questions like, do you want to live a life of safety, or do you want to live a life of growth? Now, I'm not knocking discipline, but there is a hidden cost to avoiding debt entirely. It's called opportunity cost. When you pay all cash, oh, well, then you lose leverage, you lose scalability, you lose tax advantages, and you often lose time. Hey, just like I would have by postponing my first four Plex purchase for, say, five plus years until I could have saved up all that money by myself. That's why playing it safe is often the riskiest move, because while you're sitting on the sidelines, inflation and rising prices are still in the game, and you've taken yourself out of the game. When we talk about the American dream, look, America was built on debt leverage.    Keith Weinhold  11:01   Zoom out for a second. This isn't just about you and me. America itself was built on debt. Railroads were financed with borrowed money that helped Cornelius Vanderbilt build his railroad empire in the 1800s in the 1900s highways were funded through government debt. Today, our entire suburbs are built on mortgages. Leverage didn't break the system. It built the system. So it's kind of ironic that today people are told the safest move is to avoid the very mechanism that built this modern economy that you and I are living inside every day. Debt is how things get done. Now, practically, yes, debt can absolutely wreck you if it's used poorly. So we think about some simple guardrails then favor fixed rate debt over variable match long term debt with long term assets, and you want to chiefly borrow for cash flowing or appreciating assets, and also stress test your deals assume that things won't go perfectly. So this certainly is not about being reckless. It's about being intentional. Debt should serve you, not the other way around. And now notice how I said to chiefly use debt for cash flowing or appreciating assets. I didn't say solely because you'll remember how last year, I talked to you about how I bought a new car for myself and financed as much as I was allowed, almost 100% debt. I had to make, like, a two or 3k down payment on the car because it was a special order. And once they start, you know, building it and customizing it for me, well, then they're at risk if they don't have a deposit, all right? Well, I found a way to make this car debt pretty good debt. Oh, and you might be thinking, oh, yeah, of course. Well, if you use it for business, you probably get some deductions that way. Oh, no, no. Business use totally a personal car, almost leveraged to the hilt, but it's not bad debt, and I'll tell you why. By the way, this isn't some high end exotic car. It's a BMW x3 SUV. It was like 53 or 55k and now how could I possibly call this good debt? Nope, I'm not running it out to other people or anything like that, because here, unlike income property, where a tenant pays it down, I do have to make these car payments myself. Well, in a word, the reason I did it this way is for the arbitrage. I got a fixed 3.99% interest rate for five years. Call it 4% Oh, I am almost certainly going to beat that by investing those dollars in real estate. So the 55k almost that I did not have to allocate to a car. Oh, well, that amount is enough for a down payment and closing costs on a cash flowing rental. That's probably going to pay me five ways with a total ROI that I expect to be multiples above the 4% interest rate, but the car's value depreciates. What about that debt on a depreciating asset? A car depreciates at the same rate whether it's bought all cash or all debt. It doesn't matter. Here is the better question, why tie up that much in a depreciating asset? 55k if I had paid all cash which I could have, I would have foregone returns and paid opportunity cost. Now, arbitraging car debt this way. That's not great debt. I don't put it in that category like real estate that pays for itself is and that is mostly because no tenant services. My personal car debt. For me, this car debt is just good debt, not great debt. Now how about some more guardrails? How can you keep yourself from going nuts and just trying to arbitrage everything. How would you know if you've gone too far? I mean, any person that's savvy with personal finance has to ask themselves a question, and that is always, what is the risk associated with this investment, or what is the risk associated with this debt, right? Because I already talked about the upsides of car debt this way. Well, the first risk is that I don't successfully arbitrage it. Rather than having the 55k sunk into the car, I have it invested elsewhere than say, it doesn't achieve a greater than 4% return. Well, the risk of that happening is small, maybe about a 10% chance. What's another big risk of leveraging car debt this way? Well, it's if you cannot make the monthly payment, which for me is about $1,050 a month, 1050 that's a comfortable payment. For me, if you can't make the payment that's called, you got yourself into an over leveraged condition. But for me, these risks are manageable. And this is applied thinking. This is clear eyed thinking, rational decision making, a level headed approach, a long term approach. It's common sense investing. Have a strategy and then invest your plan, not your emotions. Look paying off debt. That's often an emotional response, like when the debt is at a low interest rate and yes, understanding that debt is the American dream. Okay, this is still a pretty unconventional understanding, for sure, but it is pragmatism over emotions. When emotions go up, intelligence goes down. You can see that in a lot of places in your life. I can too. I think that a lot of the emotion happened to us when we were really young, perhaps age 12. And maybe you're saying, Oh, well, grandpa, he would not have arranged his finances this way. Grandpa wouldn't have leveraged all this real estate debt, and he sure wouldn't have thought that arbitraging car debt is savvy, but your grandpa was born before 1971 back when the dollar was still gold, backed if you're older now, your grandpa might have even been affected by living through the 1930s Great Depression. Our world does not work that way. Today, the dollar is no longer tethered to gold. It's just borrowed and lent into existence, and another Great Depression that's actually really unlikely. In the 1930s President Herbert Hoover refused to provide government support to prop up the economy, and sheesh today, any crisis is like immediately propped up by us printing a ton of dollars and then giving them out, just like covid stimulus checks and mortgage loan forbearance and all of that debt, debt, debt. Now I don't think that all of that is good, but you got to acknowledge that that's the world we live in today. If you're debt averse, because grandpa always said to stay out of debt, well then you know what you can take solace. Take comfort in the fact that today, ultimately, grandpa would have understood that the world changed, and he would want what is best for you.    Keith Weinhold  19:03   I'm get rich education. Host Keith Weinhold, this week, we're talking about why debt is the American dream on episode 600 with guidance that's practical, contrarian investor first and non emotional. Contrarian does not mean reckless. And by the way, just because something is mainstream, well, that doesn't necessarily make it bad, but in this case with debt, it often does. Here we're kind of back onto the old Mark Twain quote. Go out on a limb, that's where the fruit is. This is independent thinking for real world investors. It's where theory meets what actually works, and I'll discuss some specific actionable guidance for you before we're done today. But this is largely about ignoring the masses and following a clear incentive path. And what do the masses do? Now they kind of all gel together and get pumped up when they follow these debt free call in radio shows where the host advises the caller to always desperately retire debt at all costs. They'll even tell you work a second and a third job. You got to postpone vacations. They'll tell you to defer your life and go into lifestyle debt. Then in order to desperately stay out of financial debt, we're never going to get that time back. So just chill, take it easy with a lot of debt types inflation and sometimes tenants both passively pay it back for you. I mean, on these debt free call in radio shows, almost every time they give guidance, I kind of chuckle when I listen to this stuff. I sort of quietly ask myself, how would that path ever build wealth like when people are advised to retire 3% mortgage debt? Why dreadful sounding guidance like this happens is because it keeps irresponsible people from going over a cliff. That's all it serves to do. I mean, you're here listening to me because you're good with money, or you desire to be good with money and not give all your money away to creditors used intelligently. Debt isn't reckless. It's a tool, and it's one that lets you scale without trading every hour of your life for dollars. It seems to me that some of the groups of people that need to hear the debt is the American Dream message. They tend to be in a few groups. I need to be careful here, but I'm talking about groups like people with less financial education, engineers and women. It doesn't mean that people with less financial education are any less intelligent. And then when it comes to the engineering profession, you know that type of person tends to be unusually conservative, and I've worked for engineering firms in the past, so I wouldn't know this is somewhat of a paradox. Since engineers are the calculating types, you would think that they would have leverage and arbitrage figured out, and then women are a group that they tend to be more debt averse than most, and this is not a knock on women at all. In fact, women generally do a lot of things better than men do. I mean, I could go on and on there, like emotional intelligence and social awareness and relationship building and even multitasking and sticking to a plan, but I know couples where the husband does understand that it does not make a lick of financial sense to pay off the home, but he did it because the wife wants it so badly she deems that as security. But yeah, there was a time in my life where I thought that being millions of dollars in debt. Oh, that just sounded awful, like I thought that after graduating from college, but Oh, position well, with leverage in real estate, after a long time, you might get yourself where you're increasing your debt half a million bucks every year, but right alongside it, you're increasing your asset value 1 million bucks every year. Well, right there, since net worth is assets minus debt, you're increasing your net worth by a half million bucks a year because you have a big amount to leverage, because you've been a real estate investor for a long time. For example, debt made that American dream possible. But, yeah, the needling engineer type that's conventional and is like still the guy faithfully contributing to their 401 k which is locked up until their age, 59 and a half and keeps paying down debt. You know, they're the ones showing up to their engineering job in a pair of Dockers pants. I'm telling you, people that wear Dockers are not good debtors. I mean, do they still make stupid Dockers? I've got to look that up. Do those pants have pleats at the front or not? I don't even know.    Speaker 2  24:16   Levi's 100% cotton Dockers. If you're not wearing Dockers, you're just wearing pants.   Keith Weinhold  24:21   Oh jeez. And yeah, they still do make Dockers. I mean, the stereotypical needling engineer that dutifully contributes to a 401, K, he's got to have a complete dresser drawer full of stupid Dockers, no doubt.   Keith Weinhold  24:37   Hey, I can make a little fun of them, because I spent a lot of time in that world. I think it makes sense to contribute to a 401 K, by the way, but only up to the employer match amount. That way it's tax advantaged, and you're using other people's money one to one, but above that, oh, every dollar you lock inside a 401 k is $1 that can No. Longer leverage other people's money. That means no debt, no leverage, and a steep opportunity cost. Now to get a holistic picture here, we need to think through what are some reasons to pay down debt, or to pay off debt and completely retire it? Because there are some good reasons for doing that. I talked about credit cards earlier, student loan debt is also not good debt, because you must pay that debt, not somebody else, like a tenant, and now their interest rates are not as high as credit cards, but there's also no collateral with student loans. Maybe you could arbitrage it, like I did with my car, but student loan debt can't be discharged in bankruptcy. Like most other debt types, can you also want to pay off debt when an interest rate is working against you and not for you. Also, if you want to buy more property, but you need to lower your DTI in order to qualify with your mortgage loan underwriter that is lower your debt to income ratio before you take out another mortgage. Oh, well, that would be a reason, for example, to pay off a car loan. Another reason to pay off debt is if you're approaching retirement and you expect a decrease in your income, then you would want to revisit that here at GRE you might be structuring things to increase your income once you retire. That's its own discussion. They are some of the reasons to pay off debt. It makes sense sometimes, and with all those reasons, we've kept emotions out of it. But otherwise, yeah, bring on the good debt. Debt and loan are my two favorite four letter words the wealthiest people have the most debt. I've discussed that reality before on previous episodes, and I gave a lot of examples, like with Mark Zuckerberg and also with Jay Z and Beyonce, so I won't go into all that again. So therefore, let me discuss how, not only do the wealthiest people have the most debt, I mean, for example, I'm wealthier than I've ever been, and I simultaneously have the most debt that I've ever had. Not surprisingly, the wealthiest world nations have the most debt too. Let's look at it from the perspective of household debt as a percent of GDP. There are about 200 world nations, and sure enough, the US ranks pretty high 13th in this measure of household debt, the top 10 nations, counting them down from 10 to one is and look, they're all wealthy nations that have the most debt, Sweden, Denmark, Hong Kong, Norway, South Korea. Up to fifth is New Zealand. And then you've got the Netherlands at fourth, and then Canada, Australia, and number one is the nation that you probably think of as the most wealthy and stable in the entire world. It is Switzerland. They are number one in household debt per GDP, and then the poorest of the 200 world nations have the least debt and the highest interest rates and the least stable currencies. But see, the wealthy nations can borrow the most. These countries can borrow trillions because investors trust them. Their economies are productive and they can service the payments just like you see, say that I know you've got $5 million in debt. Just say that's true. All right. Well, now that's an interesting thing that I know about you, and now I can automatically deduce something else about you. I know that you must be pretty credit worthy for anyone to have even extended you that much credit. So a high debt level is a mark of creditworthiness. The richest people have the most debt and the richest nations have the most debt too. Debt is a contract with time. Here's the deeper idea, debt lets you pull future resources into today. It's financial time travel. But there is a catch. You need to deploy that capital into something that grows faster than the cost of borrowing. If you do that, you win. If you don't, then you just brought future problems into the present debt is time travel, and most people just waste the trip. That's why debt has a bad name. Debt Free surely is not the goal. But you know, even hitting a certain net worth or income mark is not an end goal. Their financial goal. But not the end. The end goal is genuinely living the best version of you. And in fact, let's listen to this together for a minute or two from the parallel truth. Are you really living? It's a little oversimplified, but this is quite a bit more substantive than civil engineers wearing Levi's 100% cotton Dockers. Don't be startled by the sound effects.   Speaker 3  30:23   If you really think working 50 years at a job you hate just to get a few years of so called Freedom makes sense, then I'm sorry to say, you have been brainwashed. This is not living. It's a trap. From the moment you're born, the system starts programming you. School doesn't teach you to think. It teaches you to obey, to sit still, follow orders and wait for permission. Then comes work, where your best years, your energy, your creativity, all get drained away to build someone else's dream. And they call that success. Retirement is the prize they dangle in front of you. Work hard now, they say, so one day you can finally rest. But by the time that day comes, your body's worn out, your fire's gone, and all those dreams you once had, they faded into routine. You traded your time for money and then your health to earn it back. And here's the cruel truth, that's not an accident. It's designed that way, a system built to keep you tired, broke and too distracted to notice what's really happening. They want you so busy surviving that you forget to actually live the scam is simple. They steal your youth when it's full of energy, passion and possibility, and then hand you back your freedom when you're too weak to use it. And the worst part, most people defend the very system that's enslaving them. They call it normal life. They laugh at anyone who questions it, because it's easier to believe the lie than to face the truth. But nothing about this is normal. It's just comfortable enough to stop you from revolting. They give you weekends, holidays and Netflix tiny doses of relief so you don't question the cage you live in. You were born to create, to explore, to build your own path, not to clock in and out until the day you die. The world doesn't need more workers. It needs more thinkers, more dreamers, more people brave enough to walk away from the illusion. So ask yourself, are you really living or just slowly dying inside a system that calls itself freedom?   Speaker 4  31:59   Yeah. Are you truly living or just existing with GRE plan, you can often retire in five to 10 years. So no debt isn't something to fear. It's something to understand. Because the difference between being stuck financially and moving forward faster than you thought possible, it often comes down to one thing, whether you avoid debt or you learn to use it, the American dream is not about being debt free. It's more about owning assets, leveraging wisely, and then letting time tenants and inflation do some of the heavy lifting for you, all of your life. Debt is the American dream, and I've got more on this for you today, coming up here on the show in future, GRE episodes, Rich Dad, Poor Dad. Author Robert Kiyosaki publicly states that he has $1.4 billion in debt, billion with a B, not because he's irresponsible, because he understands leverage and debt often entails a tax advantage with it too. Later this spring, Robert Kiyosaki returns to the show with me here. He's been one of our more recurrent guests over time. Next week, Redfin chief economist, Darrell fairweather, PhD, sits down with me here. Also a lot of other prominent guests lined up, like real estate influencer thatch Wynn will be here with me and lots of other great episodes coming up, including a lot of content that you wouldn't expect to hear that can make a real difference in your life. Be sure to follow or subscribe to the show and also tell a friend about the show today could very well be one of these paradigm shifting episodes that you want to share on social media. More straight ahead you're listening to debt is the American Dream On get rich education.    Keith Weinhold  33:50   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns. It's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day housing, senior communities, essential properties, things tied to living and not trends, their freedom notes. Offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy, so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call. At freedom familyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  35:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre   Tom Wheelwright  35:50   This is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  36:02   You welcome back to get rich Education. I'm your host, Keith Weinhold its debt is the American dream on episode 600 now, just before taking the mic, about 30 minutes ago, I ate some raspberries. I looked at the package to see where they were grown Mexico. Someone in Mexico supplied them. There was a supply chain. Those raspberries were planted in rows with trellising grown, and then they need to be hand picked. They're highly perishable, and they need to be shipped a long way fast, therefore, I just simply had the exorbitant privilege of buying those raspberries from a lit refrigerated store shelf with my dollars. Well, effectively, a bank lent me those dollars. Most of my debt is real estate debt, where time, tenants and inflation service my debt for me. I mean, what an amazing world. I'm just here to control those flows, those flows of money between Mexican raspberry growers, for my property managers that manage my tenants and for the banks that provide the loan. I mean, gosh, debt really is the American dream. It made raspberries appear. This is a contrarian way of thinking, but it's calculated. It's unconventional, but it's first principles thinking, rather than emotions from grandpa. You know something I've said it before that. Hey, I'm proud that throughout my life I have never ridden the government dole. Once. Never have I done that. I've never accepted a subsidy, no covid stimulus checks. I've never accepted an unemployment check in my life, even though I could have been eligible one time. I'm proud of that, because otherwise taxpayers would have had to work for me and pay for me. But in a way, since so many of my mortgage loans are subsidized, I am riding the government dole to get 30 year mortgage money at a 7% interest rate, that's also tax deductible, so therefore maybe I'm paying 5% I mean, that's a really good deal, and the government backing makes banks want to provide lucrative loans to us, just like the FHA program that I personally began with on a fourplex, and Just like these first 10 Fannie, Mae, Freddie Mac backed investor loans that you can get for one to four unit properties. So although it's indirect, it's really like a government handout that we're getting. And what can we do when we can do our part in giving back by doing good in the world and providing good housing, not being slumlords. That's the path that we're on here and the future, it's always going to feel uncertain. Always, I'm encouraging you. You've got to plant the tree, you've got to take the leap. You've got to choose to believe that there is something worth building toward optimism is not about ignoring what's broken in the world. It's about deciding anyway to keep on going, and you're probably doing a lot right, working hard, earning, well, a little saving, but more investing. There's a problem that very few people talk about, labor income is taxed heavily, asset income is treated better, and then 401, K income, well, that doesn't even start arriving until you're about 60 or 70. And really, this is why a lot of high performing. Professionals eventually hit a wall. They make more money, but they don't feel much freer. The people who break out usually do one thing differently. They stop relying on one income source, and they start building income producing assets, and that's where I come in, you already know how to do things like budget and save. We all learned that quite a long time ago, and we've all heard the usual advice about maxing out your 41k waiting for years and just sort of hoping, and that might build a nest egg like that usually does turn into something, and it's better than nothing. It usually won't build outsized returns or freedom, though, and surely not while you're young enough to fully enjoy it. So get rich education is about a different path, building durable wealth through income, property, financial education and smarter leverage, certainly not day trading, certainly not get rich quick, just a proven framework for escaping overdependence on a paycheck, a generationally proven vehicle here and here you get the mindset and tactics to make generationally proven real estate a life changing investment because most people are Climbing the wrong mountain. A lot of smart professionals spend 30 years trying to save their way to freedom, but wealth usually grows faster when you own assets that produce income appreciate over time, offer tax advantages and can be financed with long term debt. That's how you get a lot of them. That is the difference between working hard and building leverage. So you can't out earn a broken wealth strategy.    Keith Weinhold  41:47   Most people earn income, but few people own income. You own the source of the income when you have rental property. A lot of smart professionals really learn that too late, Your salary alone doesn't even have the ability to make you wealthy, since wealth is freedom. So we use an abundance mentality to invest in assets that are scarce. Most people use a scarcity mentality, leading with loss aversion, to invest in something that's abundant and plentiful. So there is always opportunity out there in a market as big and as broad as the US residential real estate market. Where is that opportunity today? Well, I'll tell you that list prices rose 2% year over year to a median of 423k that's in the four week period that just ended according to Redfin. But notice I said that was the list price buyers haggled them down to about 389k that's really significant. It's really proof that sellers are willing to bend in today's markets. So therefore in most markets, I'm encouraging you to make an offer that's below the list price, as we know, available for sale property that is still scarce in a lot of the Northeast and Midwest, and supply is abundant in Texas and Florida. But here's the thing, although Florida inventory is higher now than it was pre pandemic over that six or seven year stretch, here's the new trend, and it's worthwhile to identify inflection points like this on a year over year basis. So looking at only the past one year, Florida inventory is now down 4% it's no longer going up. So it's possible that we've reached the peak of this new Florida supply. We could have hit the turning point now, and yet, builders are still buying down your mortgage rate to about 4% giving you that long term fixed rate on new builds. So I'm telling you, that's where the opportunity is now. As far as the rent side, nationally, I don't see rents going up significantly anytime soon, and that's for most everything, single family rentals all the way up to huge apartment buildings. Rent increases in the single family to fourplex space, they showed some real promise last spring, a year ago, but as we got into summer, they didn't really materialize. Now, although you get rent increases historically, it's never wise to buy and just assume that that is automatic. But I want to underscore the fact that you really should not count on a rent increase over the next year. So that's new builds.    Keith Weinhold  44:53   The other area ripe for opportunity. Here is burrs, buy, renovate, rent. Finance and repeat properties and among GRE listeners, burrs have been our most popular investment over the past two years. Yeah, Memphis, Little Rock, Birmingham and Kansas City, they are our hottest and most reliable burr markets, and we've really improved our burr operations since first helping you with those found the secret sauce, as far as helping you get the right provider that doesn't leave you hanging on the renovation, burrs are also good for you if you have fewer investment resources than what new build properties require. GRE coaching calls and our coaching program are completely free to help you with this now. Of course, our investment coaches listen to all the GRE episodes like you. They're aligned, and we have family guys that work here, like our investment coach Naresh. He has a wife and kids, and he's just the type of person that you want to see succeed in life and that you would enjoy working with over time. And we are all investors ourselves here, every one of us, so it doesn't hurt to set up a 30 minute consultation call to see if our GRE coaching program is right for you, some good, abundantly minded council for free. Our investment coaches have access to the best deals in real time. That alone is worth a connection. We're in constant communication with the top national providers in the best markets. So there might be an incentive today, like, say, a builder rate by down to 4% that didn't exist just two days ago or yesterday. So this is why investors are succeeding. They're also succeeding thanks to our recent Florida online live event. Connect with us to watch the replay and get in on these deals yourself. In fact, we have never seen so many incentives and price reductions in GRE history as we are right now. And see, here's the thing, when it comes to you making an offer below the list price, because our coaches work with other GRE listeners, they're going to know how low that seller is really going to go for you on that price. So that negotiation is some key information that you can learn. We have access to more than 200 deals nationwide, so contact our real estate investment coaches to get access and these burr properties can give you a super high ROI, because sometimes you can end up with as little as 10k or 20k of equity invested in an income producing single family rental. That's probably going to be 20k or more. And then with some of these developers that overbuilt in places like Florida, make that offer use good debt and take advantage of that interest rate in the fours. Buy low. And the reason that these new build deals provide positive income is because you buy at a lower purchase price overall, and you get a fixed rate in the fours, and you get a low property insurance rate, since they are new build properties, you don't need urgency right now so much as you need clarity, because there are opportunities, real ones, whether it's burrs in the Midwest or builder incentives in places like Florida, where you can Get those 4% rates. But the challenge isn't finding opportunity, it's knowing which one is right for you, and that's exactly what we help you do. And since our coaches are active investors themselves, they follow the same markets and the same providers and the same strategies that we talk about here on the show. So instead of guessing or going back and forth in emails, just get clear book, a quick call. It's free, it's 30 minutes, and it could save you months or years of going in the wrong direction. You can do that@greinvestmentcoach.com that's greinvestmentcoach.com the best thing you can do next is get aligned with the right opportunity. I'll chat with you in a week. I'm Keith Weinhold. Don't quit your Daydream.   Speaker 3  49:35   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 the.   Speaker 4  50:03   The preceding program was brought to you by your home for wealth, building, get richeducation.com

Sun, 05 Apr 2026 15:00:00 GMT http://relay.fm/mpu/843 http://relay.fm/mpu/843 Bear and Glass Teaches Keyboard Control 843 David Sparks and Stephen Robles Brett Terpstra and Christopher Gamblée-Wallendjack introduce Bear & Glass, their human-focused Mac automation consultancy. Brett shares his ultimate keyboard-driven workflow, previews Marked 3 and BlogBook. Then the gang geeks out on keyboard utilities. Brett Terpstra and Christopher Gamblée-Wallendjack introduce Bear & Glass, their human-focused Mac automation consultancy. Brett shares his ultimate keyboard-driven workflow, previews Marked 3 and BlogBook. Then the gang geeks out on keyboard utilities. clean 4753 Brett Terpstra and Christopher Gamblée-Wallendjack introduce Bear & Glass, their human-focused Mac automation consultancy. Brett shares his ultimate keyboard-driven workflow, previews Marked 3 and BlogBook. Then the gang geeks out on keyboard utilities. This episode of Mac Power Users is sponsored by: Ecamm: Powerful live streaming platform for Mac. 1Password: Never forget a password again. Guest Starring: Christopher Gamblée-Wallendjack and Brett Terpstra Links and Show Notes: Credits The Mac Power Users Stephen Robles David Sparks The Editor Jim Metzendorf The Fixer Kerry Provanzano More Power Users: Ad-free episodes with regular bonus segments Submit Feedback MPU 843 on YouTube Bear & Glass - Human-Focused Apple Automation & Consulting BrettTerpstra.com Your Brain on ChatGPT: Accumulation of Cognitive Debt when Using an AI for Essay Writing Task — MIT Media Lab My ultimate keyboard-driven Mac utility list - BrettTerpstra Superkey Ultimate Hacking Keyboard doing - BrettTerpstra Karabiner-Elements Marked - Markdown Preview and Converter HandBrake Plexamp | Plex GitHub - mikker/LeaderKey Paletro — Command Palette in any applications Keyboard Maestro BetterTouchTool Drafts | Where Text Starts TaskPaper – Plain text to-do lists for Mac Permute - Media Converter for macOS Bloom - Finder, but Refined Forklift 4 BlogBook — WordPress, Micro.blog, or Ghost CineNerdle GitHub - ecwilsonaz/mediasage: Unofficial AI-powered Plex playlist generator with library awareness. Every track it suggests, you actually own. · GitHub Welcome to Bunch - Bunch.app Scripting Jekyll image "uploads" - BrettTerpstra Aptonic - Dropzone 5 Retrobatch 2 | Batch Image Processor Web Excursions for March 31st, 2026 - BrettTerpstra.com LaunchControl: The launchd GUI Overtired – Tech, Mental Health, and Taylor Swift Reflections on Macworld - 512 Pixels Home Page - Podfeet Podcasts FFmpeg MailMate Stream Deck | Elgato nvUltra - Searchable, portable, MultiMarkdown notes Task Management Software Built For Pros - OmniFocus - The Omni Group Obsidian - Sharpen your thinking Setapp | Powerful apps for Mac & iOS Noodlesoft – Noodlesoft – Simply Useful Software YUZU Custom Keycaps Hyperkey LaunchBar 6 Alfred - Productivity App for macOS Cotypist – AI

Bry attends a ‘comedy' show, couples vacations, Q roasts NJ, Plex pleas, Robin Williams, underwear duty. https://public.liveread.io/media-kit/tesd