Podcasts about Pop

✨Start Your Dream Paper Product Business! ✨ Join my 5-Day Print Your Thing Challenge! https://www.dreamprinting.co/challenge   In this episode, Polly Payne shares the real reasons aspiring creators get stuck and never launch their planner, journal, or devotional. If you've started designing but haven't finished, this episode breaks down the mental and practical roadblocks holding you back and how to overcome them. About me: I am Polly Payne, the CEO and founder of Horacio Printing. I have sold more than 60,000 Dream Planners around the world along with bible studies and journals. I now help other dreamers do the same, which is why I created Print School. Have a question? Comment below and let's chat! YOUR NEXT STEPS: ✨Take My 5-Day Print Challenge: https://www.dreamprinting.co/challenge

FBI behavioral analyst Robin Dreeke spent 21 years with the Bureau, including serving as Chief of the Counterintelligence Behavioral Analysis Program. His job was reading people — understanding what behavior reveals about who someone actually is. In this three-part conversation, he applies that lens to two of the biggest cases in the country.On the Nancy Guthrie suspect: the criticism of his apparent amateurism misses the baseline. The cheap backpack, awkward holster, improvised camera cover — that's not unusually sloppy. That's what most offenders look like. Pop culture has created unrealistic expectations. Real crimes are messy. The cases that get solved look exactly like this. We just don't run cable coverage on them.On the Nancy Guthrie investigation: federal sources accusing the sheriff of blocking access, evidence routed to a private lab, a crime scene released before the FBI secured it, public contradictions about basic facts. The assumption is unique dysfunction. Dreeke's counter: this is normal. Multi-agency friction exists on every major case. National scrutiny creates impossible standards.On the Kouri Richins trial: the prosecution's star witness has credibility problems — meth use, immunity deals, a supplier who now contradicts her. Kouri has maintained composure through five days of testimony describing her alleged murder of her husband. Dreeke identifies the behavioral signals that reveal who's telling the truth despite the noise. He reads Crozier's reversal. He assesses Kouri's sustained performance. And he addresses when behavioral evidence becomes more persuasive than the physical evidence that's missing.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RobinDreeke #NancyGuthrie #KouriRichins #FBI #SavannahGuthrie #EricRichins #BehavioralAnalysis #HiddenKillers #TrueCrime #DeceptionDetection

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

On the Overthinking It Podcast, we tackle the Backrooms, the creepypasta that became a viral web series that became an A24 movie. Episode 921: Dare You Click on the Link to the Haunted Spotify Playlist originally appeared on Overthinking It, the site subjecting the popular culture to a level of scrutiny it probably doesn't deserve. [Latest Posts | Podcast (iTunes Link)]

Tre RussoTake a walk with me down Fascination Street as I get to know Tre Russo. Tre is the bass player and front man for the new band out of San Diego, Soundivision. Tre is also the son of pop punk legend Scott Russo; but we really focus on Tre and his new band. In this episode, we chat about his getting into music, and what made him and his friends decide to put a band together. Then we talk about their writing & producing style, and some of the previous incarnations of the band before they settled on this lineup. Of course, Tre shares stories of growing up around his dad and Unwritten Law, and the impact that environment and the array of musicians that were always around. Soundivision consists of Tre Russo, Kerek Martinson, and DJ Hernandez. Soundivision's debut album "Invincible" is available everywhere, and Tre even lets le play my favorite track from the record. We go all over the place in this one, and Tre gives some peeks behind the curtain of what it is like to not only grow up with musical inspiration and support, but how that support manifests itself even into his adult years. Follow Soundivision on Instagram and catch one of their live shows if you have the chance.

Sure, Jan… Brad and his siblings went to the real Brady Bunch house.In this episode, we step inside one of TV's most iconic homes and share what it's actually like to walk through a place that defined 70s pop culture. From the famous staircase to the groovy décor, we talk surprises, laughs, and the nostalgic moments that made us feel like kids again. Is it bigger on TV? Does it feel like a real home or a sitcom set? And would we survive sharing that bathroom? Join us for a fun, retro trip back to America's favorite TV family home.Whether you watched it during its original run or caught it in after-school reruns, this episode is a love letter to big hair, bigger collars, and the TV family that somehow made sharing one bathroom look manageable. It's a story… of a house we finally got to see in real life.Support our show and join our Patreon!If you enjoy the show, please rate and review us on the iTunes/Apple Podcasts app or wherever you listen. Or better yet, tell a friend to listen!Follow us on your preferred social media:TwitterFacebookInstagram

Laurence Luckinbill is an acclaimed Emmy Award winning and Tony Award nominee, actor, playwright and director. He's worked in film, television and theatre, in the latter as a writer, director and actor. He has starred in several celebrated one-man shows including as Teddy Roosevelt, Clarence Darrow and Lyndon Johnson. And he became a cult hero portraying Spock's half-brother Sybok in the film “Star Treck V: The Final Frontier”. He's been in a whole bunch of TV shows including Law and Order and the Mary Tyler Moore Show. On Broadway he made his debut in A Man For All Seasons and starred in The Shadow Box, for which he received a Tony nomination.  My featured song is “Studio One” from the album Play by my band Project Grand Slam. Spotify link. —----------------------------------------------------------- The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries! Click here for All Episodes  Click here for Guest List  Click here for Guest Groupings  Click here for Guest Testimonials Click here to Subscribe  Click here to receive our Email Updates Click here to Rate and Review the podcast —---------------------------------------- CONNECT WITH LAURENCE:www.laurenceluckinbill.com —---------------------------------------- ROBERT'S LATEST RELEASE: “MA PETITE FLEUR STRING QUARTET” is Robert's latest release. It transforms his jazz ballad into a lush classical string quartet piece. Praised by a host of classical music stars. CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —--------------------------------------- ROBERT'S RECENT SINGLE “MI CACHIMBER” is Robert's recent single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhorn CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —-------------------------------------- ROBERT'S LATEST ALBUM: “WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)” CLICK HERE FOR THE OFFICIAL VIDEO CLICK HERE FOR ALL LINKS —---------------------------------------- Audio production: Jimmy RavenscroftKymera Films   Connect with the Follow Your Dream Podcast: Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com   Follow Robert's band, Project Grand Slam, and his music: Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com    

With the cadets still struggling, the Academy turns to Tilly. The Doctor must face his demons to assist SAM. Matt and Pete ponder episode 8, “The Life of the Stars.”Thanks as always to everyone who supports the podcast by visiting Patreon.com/PhantasticGeek.Share your feedback by emailing PhantasticGeek@gmail.com, commenting at PhantasticGeek.com, or tweeting @PhantasticGeek.MP3

Do you know about the ‘Three Rebellions’? What about the Nephilim? This week, Steve and the gang dive into the subject of spiritual warfare with author/speaker Joel Muddamalle. Joel's new […] The post Joel Muddamalle | The Unseen Battle | Steve Brown, Etc. appeared first on Key Life.

Hey Guys! I'm back with another free episode for this podcast! sorry, once again it took me quite a while to get another episode out to you guys. Honestly February was a pretty eventful month. lots happened and most of what happened took my time and energy away from doing this free version of my podcast. everything from going to a music networking event, getting sick, then getting better after getting sick and trying to finish this record right now. but I'm back, and I will be back again next month with another free episode. Anyways, I decided to do something special for Black History Month by talking about a great Pop record from the 60's done by a pretty underrated black pop singer during that time. this is an absolutely GREAT song and I hope that you guys enjoy my take on it.here's the link to this week's song just in case you want to check it out:https://www.youtube.com/watch?v=PVkbdybQAsw&list=RDPVkbdybQAsw&start_radio=PLEASE do follow me & reach out to me on Instagram & Tik Tok right here:https://www.instagram.com/iheartoldies/https://www.tiktok.com/@iheartoldiesPLEASE do also sign up for the premium subscription version of my podcast! and I know that we've lost some great 60's music legends recently, but that's the primary reason as to why this subscription is so valuable. all of these people are going to go sooner than later, so hearing their stories is REALLY precious and priceless if you ask me. because you just never know when you may not hear from them again. so please do click this link right here so that way you don't miss out on all of these great interviews with these 60's music legends:https://themillennialthrowbackmachine.supercast.com/also, do try to keep up with the free version of this podcast by listening to the Spotify and Youtube playlists for this podcast. now unfortunately, since some of these free episodes were taken down because of usage of song clips in the episode, some of the songs in this playlist are inconsistent with the episodes that have been posted for this podcast. I am working on getting those taken down episode be re-uplodaded. for now, do enjoy these playlists right here:https://open.spotify.com/playlist/21f3uBS6kU4hUF6QAC5JMj?si=b3f8f7c47f87476chttps://www.youtube.com/watch?v=CS1sYR7xky8&list=PL66sgq_GAmRcXy8yKZJfVmAD14HUYj7NfPLEASE do also listen to my last EP guys so you guys can get pumped for next album!! I'm ALMOST DONE recording it guys!! (at least for what I need to do). I just need to go back and redo some lines for one song and that'll be it for what I need to do for the songs. but while I"m in the studio recording this album, PLEASE do listen to my last record so you can prepare yourself for this next record by clicking the link right here and sharing it with your friends as well:https://distrokid.com/hyperfollow/samlwilliams/an-old-soul-with-new--remiagined-thingsalso PLEASE do grab some merch from my podcast merch store! I have all of these REALLY cool podcast merch items with a VERY cool logo that makes the most sense with this podcast. please go check it out right here:https://www.redbubble.com/i/sticker/Fly-On-The-Wall-Stories-by-60sSam95/158056341.EJUG5if you REALLY liked my analysis on this week's song and you fell in love with it. and you learned some GREAT information about this artist and you've never heard of him before and your a Millennial/Gen Z person, then PLEASE email me at samltwilli@icloud.com you can also follow me & reach out to me on Instagram & Tik Tok @iheartoldies. thank you guys for being patient with me with me releasing these interviews. I try to get in at least one free episode a month. I'll be back in touch with you guys next month, so until then, PLEASE, Keep Things Groovy!.

Pop psychology has it twisted. If you have found yourself asking how to survive this Mercury retrograde, tune into this episode to see the gift of this sacred time. Forget surviving - it's time to thrive. For show notes, links and transcripts, visit https://oathoracle.com/2026/02/28/aab22/  NEW! Shadow Work for Sacred CEOs

Drew Stone is a filmmaker and also a hardcore punk rocker. As a filmmaker his works include music videos for acts like Run DMC and Insane Clown Posse, commercials, documentary films and television. His documentary, “Who The F… Is That Guy? The Fabulous Journey Of Michael Alago”, profiles the life of a well known music A&R guy. As a punk rocker he was the lead singer for bands in Boston and in New York, plus he was the front man for The Drew Stone Hit Squad. His new band is Incendiary Device, and he also hosts a live video streaming talk show called “The New York Hardcore Chronicles LIVE!” My featured song is “Get Out!” from the PGS 7 album by my band Project Grand Slam. Spotify link. —----------------------------------------------------------- The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries! Click here for All Episodes  Click here for Guest List  Click here for Guest Groupings  Click here for Guest Testimonials Click here to Subscribe  Click here to receive our Email Updates Click here to Rate and Review the podcast —---------------------------------------- CONNECT WITH DREW:www.stonefilmsnyc.com —---------------------------------------- ROBERT'S LATEST RELEASE: “MA PETITE FLEUR STRING QUARTET” is Robert's latest release. It transforms his jazz ballad into a lush classical string quartet piece. Praised by a host of classical music stars. CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —--------------------------------------- ROBERT'S RECENT SINGLE “MI CACHIMBER” is Robert's recent single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhorn CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —-------------------------------------- ROBERT'S LATEST ALBUM: “WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)” CLICK HERE FOR THE OFFICIAL VIDEO CLICK HERE FOR ALL LINKS —---------------------------------------- Audio production: Jimmy RavenscroftKymera Films   Connect with the Follow Your Dream Podcast: Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com   Follow Robert's band, Project Grand Slam, and his music: Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com    

LIVE: Boy Green & Hop on Pop react to the rumors involving the Jets and the safety market this offseason!Become a supporter of this podcast: https://www.spreaker.com/podcast/boy-green-daily--1753389/support.

Supersize Your Business Annual Challenge Day 59: Confidence Practice. Recommit Daily! Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #supersizechallenge #supersizeyourbusinessannualchallenge #supersizeyourbusinesschallenge #confidence #confidenceisaprocess #recommitdaily #continuousimprovement #buildconfidence #confidentwins

What's SHE Up To Now Day 2951? Confidence, Supersize Challenges, CI, And Supersize Skool! Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #supersizechallenge #supersizeyourbusinessannualchallenge #supersizeyourbusinesschallenge #confidence #confidenceprocess #recommittoconfidenceeveryday #confidencepractice #buildconfidence

Host Greta Johnsen and co-host Kristen Meinzer discuss My So-Called Life episodes 11 and 12 --”Picture Perfect” and “Self Esteem” -- with Christina Tucker!!!! She's a podcaster and writer who co-hosts the podcast Wait, Is This A Date?. They talk about school dance drama, wallpaper as an analogy for sex, and the fact that Delia Fisher is a f*****g QUEEN. .SHOW CREDITS:Creator and host: Greta JohnsenCo-host: Kristen MeinzerSenior Producer: Ben GoldbergComposer: Andrew M. EdwardsTile art: Lou LovisekSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pop’s favorite rebel romance hits another wall as Pink and Carey Hart separate — again — after 20 years. Meanwhile, Lisa Rinna claims she was drugged at the Season 4 premiere of The Traitors at The Abbey. And despite brutal reviews of All’s Fair, viewers showed up — now insiders say Kim Kardashian is eyeing a fresh Ryan Murphy project built around a glossy new “Beauty Broker” empire. Rob’s latest exclusives and insider reporting can be found at robshuter.substack.com His forthcoming novel, It Started With A Whisper, is now available for pre-orderSee omnystudio.com/listener for privacy information.

Robert Horry and the crew kick off Shoot Around episode 124 with jokes and impressions before jumping into a pop quiz: the only NBA player to win a scoring title, rebounding title, blocks title, Rookie of the Year, MVP, Defensive Player of the Year, an NBA championship, and an Olympic gold medal—revealed to be David Robinson. The conversation shifts to Spurs talk, with Horry pushing back on claims that he hates San Antonio, explaining his take on why he doesn’t have Wemby as his MVP and naming his MVP as “Brown,” while still praising the Spurs, Pop, and the 2005 championship team.   They discuss the Chicago Bears potentially moving about 25 miles south to Hammond, Indiana, while likely keeping the “Chicago Bears” name, comparing it to New York teams playing in New Jersey and noting Indiana’s willingness to fund a new stadium. The group also talks about which franchises should never move, highlighting the St. Louis Cardinals and San Diego Padres, and briefly noting the Braves’ move within the Atlanta area. In NBA rules talk, they react to Paul Pierce’s idea of an LED three-point line that turns on and off during games, calling it too gimmicky and better suited to celebrity or All-Star-style events.   The episode also covers UFL rule changes, including a four-point field goal for kicks over 60 yards and banning punts once a team crosses midfield, with the hosts debating whether the NFL might adopt similar ideas and joking about how it would affect Super Bowl squares. Off the court, they break down MLB Players Association executive director Tony Clark resigning after an internal investigation revealed an improper relationship with his sister-in-law, and they react to Mad Dog Russo’s defense while debating how personal life should intersect with employment consequences. They wrap with viral oddities and childhood stories: a 92-year-old woman with Alzheimer’s climbing a seven-foot nursing home gate in 24 seconds, a 12-year-old in North Carolina driving himself to school with a fictitious plate after missing the bus, and the hosts sharing the dumbest things they did as kids—stealing church money for cookies, kicking a hole through a bedroom door, and a messy food fight that led to “double dip” punishments.   00:00 Friday Cold Open 01:25 Wild Twitter Grab Bag 01:40 NBA Trivia Stumper 03:22 Spurs Fans Clapback 05:38 Bears Moving to Indiana 07:17 Teams That Shouldn’t Move 08:43 LED Three Point Line 10:01 UFL Rule Experiments 12:14 Tony Clark Scandal 15:21 92 Year Old Gate Escape 17:11 Kid Drives To School 19:11 Cookie Money Confession 20:42 Foot Through The Door 22:29 Epic Food Fight Fallout 23:46 Double Dip Whoopings

John Treacy Egan is a Broadway star. He's an actor and a singer. He's perhaps best known for his work in The Producers, where he started off playing Franz Liebkind. Then he took over the role of Roger De Bris. Then he graduated to the leading role of Max Bialystock. And he was in the film version too. He's also been in many other shows including The Little Mermaid, Jekyll and Hyde, Bye Bye Birdie, Sister Act and Guys and Dolls. And he's been in a whole bunch of movies and tv shows as well including The Knick, Nurse Jackie and Boardwalk Empire. And as a singer he's released two CDs and been on various Broadway cast albums. This guy does everything. My featured song is “New York City Groove” from the Made In New York album by my band Project Grand Slam. Spotify link. —----------------------------------------------------------- The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries! Click here for All Episodes  Click here for Guest List  Click here for Guest Groupings  Click here for Guest Testimonials Click here to Subscribe  Click here to receive our Email Updates Click here to Rate and Review the podcast —---------------------------------------- CONNECT WITH JOHN:www.officialjohntreacyegan.com —---------------------------------------- ROBERT'S LATEST RELEASE: “MA PETITE FLEUR STRING QUARTET” is Robert's latest release. It transforms his jazz ballad into a lush classical string quartet piece. Praised by a host of classical music stars. CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —--------------------------------------- ROBERT'S RECENT SINGLE “MI CACHIMBER” is Robert's recent single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhorn CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —-------------------------------------- ROBERT'S LATEST ALBUM: “WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)” CLICK HERE FOR THE OFFICIAL VIDEO CLICK HERE FOR ALL LINKS —---------------------------------------- Audio production: Jimmy RavenscroftKymera Films   Connect with the Follow Your Dream Podcast: Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com   Follow Robert's band, Project Grand Slam, and his music: Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com    

LEGO is celebrating 30 years of Pokemon, We get to see a throwback scene from a CLASSIC Batman film, and more. damn. crocs. Just stop! That and more on thsi week's Bricking LEGO News!FOLLOW my YouTube channel: Back 2 BrickSet Review: 76466 Sorcerer's Stone Collectors EditionRebrickable Review: Piplup by KraftyKoopa AND Flareon by dst212300th Brickheadz!LEGO Dream Documentary - LINKPokemon Center Insiders rewardProject Hail MaryMarch Shopping listDark Knight throwbackSMART appCarbon removal tech20% off LEGO NikeBantha Make-and-TakePokemon Scavenger HuntDelays!British Motor ShowShuttlepod down southFlorist shop funBricklink Designer Program Series 7Botanical cardsVirginia kids supportmore effing crocsthe Brit Awards!Thank you, Patrons! - Bellefonte Bricks Studio, Jimmy Tucker, David, Paul Snellen, Lee Jackson, Pop's Block Shop, Steve Miles, David Support the showSee some of the designs I've built - REBRICKABLE.COMHead over to Back2brick.com for links to the latest LEGO set discounts!Support the podcast through our affiliate links AND join the Back 2 Brick Patreon!Have a question? Want to be a guest? Send me a message!backtobrick@gmail.comBack 2 Brick Podcast is not an affiliate nor endorsed by the LEGO Group.LEGO, the LEGO logo, the Minifigure, and the Brick and Knob configurations are trademarks of the LEGO Group of Companies. ©2025 The LEGO Group.

This week stopped by the studio and had a great chat with us about . can be found at the following links: Instagram: https://www.instagram.com/thenightskymusic?igsh=MWs5d2Fyanp6ZzFvMg%3D%3D&utm_source=qr Enjoy their music on Spotify, or you can find them on the new 561 Music Playlist we created of various local artists that we will be continually updating. on Spotify: https://open.spotify.com/artist/75DGQfFZpYXLpWY22C1ac6?si=j6U6J1nhTo6E1Cd-fdyG4g 561 Music Playlist: https://open.spotify.com/playlist/7y2i0AgJTGRMtxMADgZ7AZ?si=Zp77sq_BTue_wWTDouxH2g 561 Music Links: Facebook: https://www.facebook.com/561musicpodcast Instagram: https://www.instagram.com/561musicpodcast Twitter: https://twitter.com/561musicpodcast YouTube: https://www.youtube.com/c/561musicpodcast A huge thank you to our sponsors this week. JUPITER INLET BOAT RENTALS Jupiter Inlet Boat Rentals is Palm Beach County's Premier Boat Rental Company and Boat Rental Club. As an alternative to boat ownership, our membership club ranks number #1 in boat quality, availability and customer satisfaction. OASIS ROOT COFFEE AND KAVA LOUNGE Oasis Root Coffee and Kava Lounge in Jupiter is a fun, relaxing place to come by drink kava, java, or tea, and hang out… South Pacific Style! Open daily from 8am-1am. Located at 185 E. Indiantown Rd., Suite 111, Jupiter, FL 33477. 561 MUSIC SCHOOL AND STUDIO Thank you to Justin and 561 MUSIC SCHOOL AND STUDIO for all they do to make our podcasts as professional as possible. If you are looking to do a podcast, record an album, do a live stream, or anything of that type, Live Music Community is the place to go. 561 MUSIC SCHOOL AND STUDIO is also a music school that takes it up a notch by not only teaching the foundations of music theory and songs on instruments and vocals but also teaches the students the full band experience. They team your child up with like-minded individuals who then go on to play shows, do live streams, and learn the dos and don'ts of being in a successful working band. You can find them online at https://www.561musicstudio.com and on Facebook and Instagram. 561 Music Podcast was recorded by our producer Justin Hucker at 561 Music School and Studio, which offers podcasting, video production, live stream, music lessons, recording and so much more. Check them out and take a virtual studio tour here: Thank you to Justin and 561 MUSIC SCHOOL AND STUDIO for all they do to make our podcasts as professional as possible. If you are looking to do a podcast, record an album, do a live stream, or anything of that type, Live Music Community is the place to go. 561 MUSIC SCHOOL AND STUDIO is also a music school that takes it up a notch by not only teaching the foundations of music theory and songs on instruments and vocals but also teaches the students the full band experience. They team your child up with like-minded individuals who then go on to play shows, do live streams, and learn the dos and don'ts of being in a successful working band. You can find them online at https://www.561musicstudio.com and on Facebook and Instagram.

QUICK HITS caleb had a really busy couple of weeks. he and the scientist saw alvin ailey again, nin again, had a valentine’s thing, a birthday celebration, considered VA benefits, and got solar panels. like wow, that’s a ton of stuff! rafe’s just working lol. they have a very special time reminiscing about their favorite The post Good Luck, Have Fun, Don’t Die appeared first on rafe hates caleb.

Hello and welcome back to another episode of Trve. Cvlt. Pop! a pop music podcast. On this week's show we're joined by our own Australian correspondent Alasdair Belling to chat about 5 things in the world of music that really get his goat.We also review the recent Deftones show at the O2, and take a look at some new music from Jill Scott, Charli XCX, Karnivool, Converge (again) and Uncultivates.

In this heartfelt conversation, Nanna shares her incredible journey of meeting Michael Jackson in 1996, detailing the lengths she went to connect with him as a fan. From her artistic endeavors to the emotional impact of his music on her life, Nanna reflects on the magic of their encounter and the lasting legacy of the King of Pop. The discussion also touches on her experiences at his concerts and the profound sense of loss felt after his passing in 2009.follow Nanna on tiktok https://www.tiktok.com/@nannausa2.0

Supersize Your Business Annual Challenge Day 58: Confident Criticism, SUPER! Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #supersizechallenge #supersizeyourbusinessannualchallenge #supersizeyourbusinesschallenge #confidence #confidentexecution #SUPERprocess #confidenctcriticism #ciritcism #negativefeedback #feedbackisdata #considerthesource #intent #thandyouforthefeedback

"Broken Boy Soldiers", de The Raconteurs encabeza una nueva entrega de nuestro repaso por los mejores discos que este año celebran su vigésimo aniversario., entre los que también te proponemos los álbumes que en 2006 publicaron Yeah Yeah Yeahs, Gossip, Muse, Amy Winehouse o Arctic Monkeys, entre otros y otras.THE RACONTEURS - STEADY AS SHE GOESTV ON THE RADIO - PLAYHOUSESWOLFMOTHER - WOMANBAND OF HORSES . THE FUNERALRAY LAMONTANGNE - THREE MORE DAYSYEAH YEAH YEAHS - GOLD LIONGOSSIP - STANDING IN THE WAY OF CONTROLTHE STROKES - YOU ONLY LIVE ONCEARCTIC MONKEYS - THE VIEW FROM THE AFTERNOONMUSE - SUPERMASSIVE BLACK HOLESR. CHINARRO - DEL MONTÓNANTÓNIA FONT - WA YEAH!BECK - THINK I'M IN LOVEAMY WINEHOUSE - TEARS DRY ON THEIR OWNBELLE AND SEBASTIAN - ANOTHER SUNNY DAYEscuchar audio

POP 3:Savannah Guthrie is pleading for answers in her mother Nancy's disappearance and has increased the reward to $1 million as authorities declare the case a crime, saying every second has been “agony” while still holding out hope for a miracle. Nick Reiner has pled not guilty in the murders of his parents, Rob and Michele Reiner, as prosecutors weigh whether to pursue the death penalty despite sources saying the family does not support it, and new developments continue to unfold in the case. Plus, Hilary Duff is speaking out after being pulled into toxic mom group drama, admitting she felt “sad” and “used” while also defending her husband for fiercely stepping in online.DEEP DIVE: Love Is Blind Episodes 6–9:Chris shocks Jess by telling her he's not physically attracted to her because she doesn't do Pilates every day... then tries to backpedal while questioning if he chose the wrong woman. At the bar, Bri entertains a little too much of that conversation about Connor, and Connor has since made it clear he and Chris are no longer close. Ashley's dad absolutely grills Alex and immediately questions his honesty. And if you've been wondering why Vic and Christine have basically self-shot their entire relationship, it comes down to production budget and the fact that they didn't have messy pod drama to justify more screen time.FINAL THOUGHTS: Summer HouseJesse asking West if it's “cool” to make a move on Ciara is such a weird middle school energy moment, but what's also weird is West acting detached from the group convo while clearly still having feelings. At the end of the day, this isn't about bro code, it's about Ciara. West never committed, it's been three years of almosts and maybes, and you don't get to claim territory on someone you wouldn't lock down. If Ciara wants to explore something with Jesse, she absolutely should, and if West still wants her, it's time to finally say it out loud.

This joyful celebration of gospel music greats brings together Africa and America. Ladysmith Black Mambazo is the South African male a capela choral group singing in the local vocal styles of isicathamiya and mbube. They became known internationally after singing with American Paul Simon on his joyous Grammy Award winning 1986 album Graceland. The Fairfield Four, started over 100 years ago, won a Grammy for the Best Roots Gospel Album. The Four Eagle Gospel Singers are a historic a cappella gospel group from Bessemer, Alabama, known as one of the state's oldest gospel groups. The Gospel Harmonettes were a pivotal 1950s female gospel group, fronted by the legendary Dorothy Love Coates, known for their powerful vocals, civil rights activism, and intense performances that influenced soul/R&B; Also featured are The Birmingham Sunlights who are distinctive for using no instruments in their church services. APWW #40 Produced by Sean Barlow

Brand new stuff from Social Distortion, the Overjoyed, and Inflatable Idols, plus some country, rhythm n blues, rockabilly and more.

This month, We kick off the next chapter of our Mirage-era journey as we begin Volume 4 of Teenage Mutant Ninja Turtles, covering the first four issues in our ongoing monthly deep dive. Written and illustrated by Peter Laird with finishes by Jim Lawson (and additional work by Eric Talbot later in the arc), this era marks a return to Mirage continuity following the Volume 2 fork in the road — and right from the opening cover by Michael Dooney, the Turtles feel grounded, compact, and classic again.We also set the stage in the early 2000s, when these issues first appeared between September 2001 and mid-2002. Pop culture was stacked: films like Spider-Man, Star Wars: Episode II, Blade II, and My Big Fat Greek Wedding filled theaters, Nickelback and Ashanti ruled the charts, Grand Theft Auto: Vice City dominated gaming, and Family Guy was canceled (for now). Against that backdrop, Volume 4 begins a slower-burn, sci-fi-tinged saga that blends grounded family moments with looming cosmic stakes.Issue #1 mirrors the Turtles' very first alley fight as they clash with the Madhattan Maulitia, while revealing a major shift: the brothers are now in their 30s, feeling every mile of the fight. A rooftop snowmobile chase leaves Michelangelo critically injured and discovered by the imposing alien warrior Magnrok, while Donatello uncovers an abandoned armored truck that feels destined to matter later. Meanwhile, April and Casey attend a fertility appointment, Shadow senses something world-changing on the horizon, and the Fugitoid and Utroms quietly prepare a massive interstellar operation.Issue #2 finds Michelangelo surviving an airborne ambulance mishap and waking inside Kurtzburg Memorial Hospital — a facility that treats superheroes, aliens, and the otherwise unusual. Back in the lair, Donatello and Casey investigate the mysterious armored truck while Raphael contemplates being left alone with skeletonized robbers and his life choices. Shadow navigates teenage secrecy, and the Utrom plan continues to unfold beyond Earth.Issue #3 expands the scope dramatically: a research expedition in Venezuela encounters a wooden, weaponized creature, U.S. Air Defense scrambles as an Utrom craft departs the moon, and Michelangelo receives a scenic flight home courtesy of his rescuer Raptarr. As aliens descend toward New York Harbor, panic spreads, missiles fail spectacularly, and humanity greets first contact with static, confusion, and ineffective gunfire.Issue #4 delivers the payoff: the alien craft peacefully returns the long-lost spacecraft Defiant to Earth and introduces the Utroms to the world — with one clumsy stumble instantly easing global tension. Karai observes events from the shadows, revealing Foot Clan interest in the alien arrival, while a quiet rooftop moment gives way to yet another escalation: a giant robot rising from the sewers.Volume 4 opens with introspection, humor, and domestic calm colliding with cosmic inevitability. The Turtles are older, the world is bigger, and something enormous is clearly on its way.

NEW Talk HANNAH To Me merch out now: talk-miley-to-me-podcast-shop.fourthwall.comJoin our Patreon for exclusive, bonus content every week:⁠https://www.patreon.com/TalkMileytoMe⁠Subscribe to Mollie's Pop culture YouTube channel: ⁠⁠https://www.youtube.com/@mollieonpop/⁠Follow us on all of our socials to stay updated!Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/talkmileytomepodcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@talkmileytome⁠⁠⁠⁠Twitter/X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/TALKMILEYTOME⁠⁠⁠⁠

Who wants a kiss?

Seleccionamos algunas de las novedades favoritas que te hemos presentado a lo largo del mes.Playlist;THE MELLOWS “Waiting on the rain”LA PERRA BLANCO feat JD McPHERSON “Sin amor”LANGHORNE SLIM “Dream come true”JESSE WELLES “Anything but me”091 “Antes de que salga el Sol”THE GODFATHERS “Going wrong”EH MERTXE “Queda poco”LOS DELTONOS “Al revés”TITO RAMÍREZ “Man wizz a plan”VAN MORRISON feat TAJ MAHAL “Can’t help myself”DYNAMITE SHAKERS “Nightclub”PARTY DOZEN “Mad rooter”TWISTED TEENS “Peekaboo hand”JEFF CLARKE “Sun down”LOS HUÉSPEDES FELICES “El mundo sigue”THE NUDE PARTY “Look who’s back”Escuchar audio

Supersize Your Business Annual Challenge Day 57: Confident Visibility...SUPER Execute! Pop here every day for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #supersizechallenge #supersizeyourbusinessannualchallenge #supersizeyourbusinesschallenge #confidence #confidentexecution #SUPERprocess #execution #confidentvisibility #visibility #getoutthere #bevisible #showup #executeyourplan #dowhatsnext Join us every day in 2026 for a quick challenge that is all about you Improving and creating the life you want! Today, we're on day 57 of our annual challenge, focusing on how to be confident and fostering self confidence. This is all part of your self improvement and personal growth journey, helping you face daily challenges and grow your capabilities. https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #supersizeannualchallenge #doonethingeverydaytosupersizeyou #annualchallenge #confidence #supersizeyouannualchallenge #supersizeyouchallenge #SUPERprocess #confidentpricing #whattocharge #SUPER #planyourpath #whatisnext

Hoy escuchamos: La Línea Roja- Odio y rencor, Grey Sky Bleed- The serpent with the crown, Neal Morse Band- Reaching, Giles Ramírez- Today tomorros forever. Entrevista Ratzinger: Ratzinger- En el sistema, Ratzinger- En los días de la destrucción. Mr. Weather- The one, Tailgunner- Eulogy.Escuchar audio

Underscores estrena su 2026 con el enérgico "Tell Me (U Want It)" y hoy protagoniza este podcast, junto a la londinense MEEK y "Fabulous", su declaración de autoconfianza hecha canción, el regreso de Social Distortion con "Born to Kill", la canción homónima de su próximo disco y los gallegos Portosanto, que debutan con "Ten Que Haber Un Sitio Para Nós". Aparte, escuchamos a Iván Ferreiro junto a Sole Giménez, en la nueva grabación de "Te Echaré de Menos". KNEECAP - Smugglers & ScholarsUNDERSCORES - Tell Me (U Want It)MEEK- FabulousTEMPLES - Jet Stream HeartYUNGBLUD - Suburban RequiemNIÑA POLACA - William Wallace en LancasterPORTOSANTO - Ten Que Haber Un Sitio Para NósSOCIAL DISTORTION - Born To KillFOO FIGHTERS - Your Favorite ToySEXY ZEBRAS - PogoIVÁN FERREIRO, SOLE GIMÉNEZ - Te Echaré de MenosVANGOURA - Tu Reflejolevitants - Fondo de PantallaTELEHEALTH - Cool JobCARRERA BLANCA - HarakiriAMATRIA - La Balada FinalEscuchar audio

Today's guest is a Grammy-winning songwriter, global pop architect, and one of the most quietly influential voices shaping modern music across borders.Before the world heard her voice, EJAE spent years training inside the K-pop system — learning discipline, structure, and endurance long before recognition ever arrived. When the system didn't know what to do with her, she pivoted. Slowly. Intentionally. And built a career that would eventually be heard everywhere.Now, as a songwriter whose work spans K-pop, pop, animation, and beyond — and as an artist stepping into her own voice — EJAE represents a different kind of success: one built patiently, shaped by pressure, and defined by longevity rather than speed.And The Writer Is… EJAE.In this episode of And The Writer Is…, EJAE opens up about:The reality of the K-pop training system and what it actually teaches you about discipline and survivalRejection and why her voice didn't fit the moment — and how that shaped her writingLearning to work alone after years inside a rigid systemHow songwriting became a safer, more powerful entry point than performingThe pivot that reframed her career and led to global successAnd much more…Hit the subscribe button and turn on notifications.Every week, we go deep with the most interesting creatives in music.Follow us on socials: @andthewriterisA special thank you to our sponsors…Our lead sponsor, NMPA — the National Music Publishing Association. Your support means the world to us.And @splice — the best sample library on the market. Period.Chapters:0:00 Intro1:30 Early life & finding music6:10 Inside K-Pop training9:00 Ejae's writing process...28:00 Rejection from auditioning to be a K-Pop Idol... and $5 Karaoke training to pass.41:00 Ejae sings her first song41:37 Sponsor Spotlight: NMPA42:18 Sponsor Spotlight: Splice14:45 Discipline, pressure, and identity23:20 Being let go by the system30:40 Rebuilding in isolation39:15 Discovering songwriting as power50:00 K-Pop's ultimate evaluation: Auditioning to debut50:37 Ejae's rejection and rock bottom... and the pivot that would change everything56:10 Global songs & delayed recognition1:00:00 How she wrote her first songs1:04:00 Writing her first song for film1:07:00 Writing 'Psycho' for Red Velvet at her first session1:13:00 K-Pop vs Pop music... And the reference to 'Psycho'1:14:00 K-Pop Demon Hunters1:20:00 The story behind 'Golden'1:26:00 The original 'Golden' voice memo...1:30:00 The process of co-writing the songs for K-Pop Demon HuntersHosted by Ross GolanProduced by Joe London & Jad SaadCreative Directed by Jad SaadPost-Production VFX by Pratik KarkiWatercolor Art by Michael White Hosted on Acast. See acast.com/privacy for more information.

he Geekz are back and this week it's BIG.

Sponsored by: - Dave's Hot Chicken | located in Middletown R.I.- Mother Earth Wellness | Mention podcast for 10% off your purchase https://motherearthri.com/ - Carlos Then for tax help! https://www.mrthen.biz Timestamps- Show starts 0:00- snow storm recap 6:30- elliott wilson heart surgery 27:30- ti 50 cent diss songs 30:10- america's next top model doc recap 52:00- paradise season 2 back, anaconda movie review, love island allstars finale 1:01:40- mexico cartel after el mencho killed 1:04:00- mr tenderism fired 1:09:45- hockey usa kash patel, Alysa Liu figure skater 1:18:30- tourettes n word 1:22:40- wale drake mj record April comment 1:32:35- spotify hip hop 1:35:00- baby keem album reaction: young thug & kendrick 1:42:40 - new music bruno mars, chase b album friday 1:46:00- floyd vs pacman again 1:48:40- backrooms movie, Toy Story 5 1:53:55- eric dane RIP 1:56:40- alien files releasing 1:59:30- drake teases iceman again 2:02:50- ring camera blizzard 2:07:30- Local news, Epstein RI 2:10:49- J Cole on Drake ICEMAN? 2:22:40- Back to Rhode Island news 2:25:30https://linktr.ee/clubambitionUNCUT PATREON https://www.patreon.com/ClubAmbitionDISCORD COMMUNITY: https://discord.com/invite/M8Kmha8UqvMERCH: https://clubambition.shopListen To Podcasts: https://podcasters.spotify.com/pod/show/clubambitionWatch Spanish Podcast El Po K: https://www.youtube.com/watch?v=BqOENhDvdQ0&list=PLNukP3hLjNb_ITL34h3Gjue3z9KWiF-px Watch CAP: https://www.youtube.com/watch?v=W4YVeSYZi28&list=PLNukP3hLjNb_zwvsdwqTOGvgBb-_Ym2mL&pp=gAQBiAQBFOLLOW US!Podcast IG: https://www.instagram.com/clubambitionpodcast/Owner/Host/Editor | Victor SOUND: https://www.instagram.com/itsavibe/CAP Co-Host / Producer | Marloon: https://www.instagram.com/imfromthe401/CAP Co-Host | Noel: https://www.instagram.com/noelfrias_/CAP Co-Host | Earlyn: https://www.instagram.com/complex.mindset/El Po K Host | Maestro Vitiko: https://www.instagram.com/vitiko_baez_el_po_k?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==El Po K Co-Host | Locotron: https://www.instagram.com/iambenjaminrd?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==Graphic Designer | Edwin: https://www.instagram.com/edrebels/TikTok: https://www.tiktok.com/@clubambition/Twitter: https://twitter.com/ClubAmbition__/-----------------------------------------------------------Want a promote your music or hire us for marketing?Email us if interested in business! - ClubAmbition401@gmail.com-------------------------------------------------------------RIP: Nipsey, Mac, XXXtentacion, Juice, Pop, Von, DMX, Virgil, Dolph, Takeoff, RHQ, CLARK KENT---------------------------------------------------------------------COPYRIGHT DISCLAIMER ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

Pop the Ballon - Facts About Friends & Family - Bishop Kevin ForemanSupport the show

The boys are back for Episode 2 of Pop the Trunk! Vinnie and Brendan take a deep dive into the bloodbath that is the music industry, reflecting on Vinnie's 30-year journey from 1996 to the present day.In this installment, Vinnie breaks down his "no plan B" mentality, detailing how an obsession with hip-hop culture and the "unmitigated gall" to do things independently kept him on a mission when major labels were looking for a gimmick. The discussion hits everything from the golden era of the East Coast to the "nefarious" hustle of selling demos like punk bands just to buy a beat machine.Write to us at ⁠⁠⁠⁠⁠mailbag@popthetrunkpod.com Follow us on Instagram @popthetrunk.pod Subscribe to the Youtube page @jmthiphop. Remember to like, subscribe, comment and review the show!!!

Divinity Roxx is a 2x Grammy nominated spectacular bass player. Divi has two sides to her professionally. On the one hand she's been the bassist and musical director for Beyoncé. And she tours with Victor Wooten, one of my favorite bass players of all time. Her music combines funk, hip hop and rock. On the other hand she's into children's books and music. Her compositions have been adapted into children's books by Scholastic Magazine and featured on television and in the theater. She wrote a new work for the Peter Rabbit franchise and she co-wrote, produced and performed the theme song for the Emmy-nominated PBS Kids' show, Lyla In The Loop. My featured song is “Too The Zoo”. Spotify link. —----------------------------------------------------------- The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries! Click here for All Episodes  Click here for Guest List  Click here for Guest Groupings  Click here for Guest Testimonials Click here to Subscribe  Click here to receive our Email Updates Click here to Rate and Review the podcast —---------------------------------------- CONNECT WITH DIVINITY:www.divinityroxx.com —---------------------------------------- ROBERT'S LATEST RELEASE: “MA PETITE FLEUR STRING QUARTET” is Robert's latest release. It transforms his jazz ballad into a lush classical string quartet piece. Praised by a host of classical music stars. CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —--------------------------------------- ROBERT'S RECENT SINGLE “MI CACHIMBER” is Robert's recent single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhorn CLICK HERE FOR YOUTUBE LINK CLICK HERE FOR ALL LINKS —-------------------------------------- ROBERT'S LATEST ALBUM: “WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)” CLICK HERE FOR THE OFFICIAL VIDEO CLICK HERE FOR ALL LINKS —---------------------------------------- Audio production: Jimmy RavenscroftKymera Films   Connect with the Follow Your Dream Podcast: Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com   Follow Robert's band, Project Grand Slam, and his music: Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com    

What turns a group of students into a community?In this episode, Jocelynn shares how watching the Netflix documentary The Greatest Night in Pop unexpectedly inspired a powerful reflection on classroom culture, shared purpose, and collective identity.From a vivid childhood memory of singing We Are the World in kindergarten to intentionally using the song years later as a 7th grade social studies teacher, this episode explores how music, art, and shared experiences can transform instructional culture no matter what subject you teach.Because culture is not built through rules alone.It is built through shared meaning.In This Episode, We Explore:Why shared purpose is what turns a group of students into a communityHow music serves as an international language and a powerful instructional toolThe difference between nostalgia and intentional instructional designHow analyzing both lyrics and visual media deepens student thinkingWhy connection strengthens cognitive safety and engagementHow to reset classroom culture at any point in the yearYou'll hear how students analyzed both the 1985 and 2010 versions of We Are the World, discussed influence and platform, examined generational legacy, and expanded lesson goals beyond surface-level standards.You'll also hear how poetry, music, and collective agreements became a reset tool throughout the year — serving as a cultural anchor when energy dipped or tension rose.Instructional TakeawaysThis episode highlights practical moves you can implement immediately:Begin with shared purpose, not just proceduresUse art and storytelling as intellectual entry pointsDesign classroom agreements rooted in identity and contributionRevisit shared artifacts when culture needs recalibrationFrame learning as contribution, not consumptionAnd remember:Beginning is when you begin.Ready to Build This Foundation in Your Classroom?If you're looking for structure to help establish belonging, shared identity, and collective purpose, explore:The First 10 Days: Back to School – Building a Classroom of Belonging: https://www.teacherspayteachers.com/Product/The-First-10-Days-Back-to-School-Building-a-Classroom-of-Belonging-14072086This resource is designed to help teachers establish purpose, belonging, and shared identity from the beginning — or whenever you choose to reset.Because shared purpose is not tied to a calendar.It is tied to intention.Coaching Corner ReflectionAs you reflect on this episode, consider:What will students learn about themselves as contributors to something larger than themselves?What will they learn about their peers?What will they learn about the world?Using the AAA Reflection Framework:What am I becoming aware of about shared purpose in my classroom or school?What am I choosing to accept, challenge, or release?Small. Specific. Sustainable.AcknowledgementsThis episode references:The Greatest Night in Pop (Netflix, 2024)U.S.A. for Africa – We Are the World (1985)We Are the World 25 for Haiti (2010)

William Wyler's sweeping historical epic Ben-Hur is one of the OG blockbusters. It took home Best Picture for the 1959 Academy Awards, along with 12 other statues--making it one of the most awarded and beloved dramas of all time.This week, Earth's Mightiest Critics look at the story of Judah Ben-Hur (Charlton Heston), a Jewish prince who is betrayed and forced into slavery. His winding journey of vengeance and redemption lands him front and center with the most significant event in human history.Join us for a spoilerific look at Charlton, chariots, and the changing nature of blockbusters. We also make a case for this being a perfect film, and take your questions, comments, and SuperChats!Support Kicking the Seat on Patreon, subscribe to us on YouTube, and follow us at:XLetterboxdInstagramFacebookShow LinksWatch the Ben-Hur (1959) trailer.Pick up the new Ben-Hur 4K UHD from Warner Bros.As mentioned in the show, Warner Bros also released a new 4K of All the President's Men! Check the disc out here.And listen to Ian and Don Shanahan's "Reelpolitik" review of the film from few years ago.Support all of Earth's Mightiest Critics at their various outlets:Keep up with Jeff York's criticism and caricatures at The Establishing Shot and Pipeline Artists.Check out Mark "The Movie Man" Krawczyk's The Spoiler Room Podcast.Get seated with The Blonde in Front!Follow David Fowlie's film criticism at Keeping It Reel.Get educated with Don Shanahan at Every Movie Has a Lesson…...And Film Obsessive...and the Cinephile Hissy Fit Podcast.Keep up with Annie Banks at The Mary Sue....and We Got This Covered.Make Nice with Mike Crowley of You'll Probably Agree.And save your celluloid soul with Dave Canfield's Substack, "Creature Feature Preacher".

Pop in with us this week as we review Emerald Fennell's bold new “Wuthering Heights” adaptation (3:00), Tell Me Lies season 3 (43:10), and the new Oscar-nominated body horror film The Ugly Stepsister (52:32). We also discuss Shia LaBeouf's latest arrest (1:04:09) and what we learned from the new America's Next Top Model documentary (1:13:34).   Don't forget to follow us on Instagram and TikTok at @poppininpodcast!

It's too early for March Madness, but just in time for the bastards to wrap up their survey of the New York Times' Top Ten list of 2025 jazz albums. Some of the choices give the boys mixed emotions and some barely any emotions at all, but at the end of this journey we can all say one thing for certain- that sure was definitely ten albums of jazz. Pop matters stretches to include a discussion of a life-enhancing live set from Indianapolis mainstay Steve Allee. Billy Hart – JUST; Jacob Garchik - Ye Olde 2:  At the End of Time; Kassa Overall - CREAM; Joe Farnsworth – THE BIG ROOM.

Pop music in 1990 was a wild experience. New queens of pop like Paula Abdul, Taylor Dayne, and Mariah Carey stood shoulder pad to bustier with 80s ladies Madonna and Janet Jackson. Hip-hop broke into the mainstream in a big way with M.C. Hammer and Vanilla Ice. The last gasps of hair metal still clung to the airwaves like so much AquaNet residue. Club music somehow how found its way onto Top 40 radio stations. And the totally unsubtle vocal stylings of Michael Bolton, Wilson Phillips, and others gave sad white people the confidence they needed to rock high-waisted jeans and pleated khakis. What a time to be alive! So join us as the Great Pop Culture Debate goes back to the beginning of the end of the 20th Century as we name the Best Song of 1990.Songs discussed: “Ice Ice Baby” by Vanilla Ice; “There She Goes” by The La's; “Enjoy the Silence” by Depeche Mode; “Black Velvet” by Alannah Myles; “Groove is in the Heart” by Deee-Lite; “I'm Your Baby Tonight” by Whitney Houston; “We Didn't Start the Fire” by Billy Joel; “Vogue” by Madonna; “U Can't Touch This” by MC Hammer; “Poison” by Bell Biv Devoe; “Nothing Compares 2 U” by Sinead O'Connor; “Freedom ‘90” by George Michael; “Love Shack” by The B-52s; “Rhythm Nation” by Janet Jackson; “Pump Up the Jam” by Technotronic; “Hold On” by Wilson PhillipsJoin host Eric Rezsnyak, Derek Mekita, Jim Czadzeck, and Jonny Minogue as they discuss and debate 16 of the most iconic songs from the year of the final decade of the 20th Century.For the warm-up to this episode, in which we discuss additional 1990 songs that didn't make the bracket, become a Patreon supporter of the podcast today. EPISODE CREDITSHost: Eric RezsnyakPanelists: Derek Mekita, Jim Czadzeck, Jonny MinogueProducer: Bob ErlenbackEditor: Bob ErlenbackIntro/Outro Song: "Dance to My Tune" by Marc Torch#1990 #90s #90smusic #songsof1990 #vanillaice #mchammer #wilsonphillips #janetjackson #madonna #billyjoel #depechemode #whitneyhouston #dancemusic #pumpupthejam #technotronic #georgemichael #bellbivdevoe #b52s #loveshack #popmusicSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

0:00 ... Ross hello and welcome the crew ... episode #227 is dedicated to Jordan Walsh of the Celtics. 0:59 ... Bruce introduces his fellow "Brucie B" ... Bruce Bowen ... 1:49 ... Bruce tells the story of the "unretirement" of his #12 jersey that he wore with the Spurs. 3:17 ... How Bowen basically created the position we now know as the "Three and D" and what the role meant to him. 5:02 ... On his battles with Kobe Bryant and how he approached the matchup ... his description of how he used film to prepare is really interesting. And how Kobe was always in attack mode. 7:34 ... Bowen's legendary battle with LeBron James in the 2007 NBA Finals and how he forced LeBron into uncomfortable shots.  But Bruce also appreciates LeBron's skills. 9:00 ... Ross asks Bruce about current stars and how he would guard some of them.  Jaylen Brown is singled out by Bowen for his intelligence in many areas. 11:33 ... Phoenix Suns fan Ross still has nightmares from his Suns playing the Spurs back in the day.  Bruce explains how hard it was to beat those guys in the postseason and how the Suns never played defense under Mike D'Antoni. 14:25 ... Bruce played for Pat Riley in Miami early in his career and he shares some amazing insight on how he and Riles interacted during their time together.  He tells an incredible story about a tense contract discussion and how he said goodbye to Miami and bet on himself to succeed in San Antonio. 18:57 ... Bruce played for Miami in some intense playoff battles against the Knicks and Bruce explains the connection from two coaches named Van Gundy with Riles.  Bruce has memories of Knicks fans coming to Florida to root for the Knicks. 21:27 ... World B asks Bruce about Tim Duncan and why he is not in the "GOAT" conversation.  Bruce gives a great analysis of how Tim thinks and how he took the baton from David Robinson and won more championships.  Bruce gives a great blueprint on Duncan's road to becoming a leader.  Bruce shares a great story of how Gregg Popovich made it clear that if Tim felt he wanted to leave San Antonio, he should explore his options.  And Tim never left. 25:18 ... Bruce takes a deep dive into his relationship with Gregg Popovich and how people misconstrued Pop's relationship with players.  Pop always made it clear that his job was to coach guys and that the negative stuff always came from a good place. 29:18 ... As for the current Spurs team ... there's tremendous upside with Victor Wembanyama and young head coach Mitch Johnson.  Victor brings guys together and all the current players respect each other.  Bruce mentions Stephon Castle and Dylan Harper as young studs along with a mature group of veterans that have quickly developed great chemistry. 33:16 ... Wemby has a competitive edge that has surprised a lot of people because of the way he looks.  The way he presented himself at All Star Weekend demonstrated leadership. 36:08 ... Bruce explains how Mitch Johnson has echoed some of Pop's philosophy but in a more contemporary style.  Pop was so much of a legend that he seemed unapproachable to younger guys but Mitch is from their era and relates well. 39:09 ... Dylan Harper is a rookie who is learning quickly what it means to be a Spur.  Having a system that emphasizes the team over personal agendas helps young players develop more quickly.  Bruce feels the team success gives Harper a chance to make a bigger impact that hotter rookie names like Cooper Flagg and VJ Edgecombe. 42:07 ... Bruce from 48 Minutes predicted greatness for the Spurs long before they started playing like a championship contender.  But they're so far ahead of schedule that they look like they could win it all this year.  What could stop them?  The "other" Bruce breaks it all down. 44:57 ... When discussing the officials and all the heat they're getting, Bruce feels like the the replays have hurt the relationship between players, coaches, and refs.  Bruce has little patience for guys that can't put a bad call behind them and keep playing.   As always, he has a great story about official Danny Crawford, who was inducted into the basketball Hall of Fame. 48:59 ... The 65 game minimum for postseason awards has cost some players awards that they might have won.  Is 65 the right number of minimum games or should the number be lower ... maybe 62?  Bruce feels the awards should take a back seat to what is best for the team. 52:13 ... Word Association ... David Robinson: Man of Faith 53:21 ... Draymond Green ... Fiery and Comfortable with Self 56:11 ... Luka Doncic ... Talented to a Fault 57:42 ...Tony Parker ... Wisdom at a Young Age 59:14 ... Shai Gilgeous Alexander ... Aggressive Competitor 1:00:17 ... Ross wraps it up ... thanks Bruce ... and says goodbye ...   TRT 1:01:13         Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   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 you   Corey Coates  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  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

On the Overthinking It Podcast, we tackle “Roundball Rock” and the tradition of non-diagetic sports theme music. Episode 920: Fundamentally, a Different Kind of Juice originally appeared on Overthinking It, the site subjecting the popular culture to a level of scrutiny it probably doesn't deserve. [Latest Posts | Podcast (iTunes Link)]