Podcasts about Real

Escambia County, FL. March 24, 2010. When Tina Brown invited twenty-year-old Audreanna Zimmerman to her trailer under the guise of reconciliation, the young mother had no idea she was walking into an ambush. What would unfold in the following hours represents one of the most horrific crimes in Florida history.Part 02 of 02.VICTIM PROFILE:Audreanna Zimmerman was just twenty years old, a young mother navigating the precarious landscape of poverty in rural Pensacola. She lived in close proximity to Tina Brown's family, sharing the forced intimacy of a mobile home park where everyone knew everyone's business. Despite the tensions that had developed between her and Brown—accusations of slashed tires, broken car windows, reports to child protective services—Zimmerman believed in the possibility of peace. When the invitation came to clear the air, she accepted it with the trust of someone who had not yet learned that reconciliation can be a weapon.THE CRIME:On the evening of March 24, 2010, Zimmerman entered Brown's trailer expecting conversation. Instead, she was ambushed with a stun gun. Tina Brown, her sixteen-year-old daughter Britnee Miller, and Heather Lee restrained Zimmerman, beat her, and forced her into the trunk of a car. They drove her to a remote clearing in the Florida woods, where the assault escalated to torture. Zimmerman was struck repeatedly with a crowbar, doused with gasoline, and set on fire. The women left her burning in the clearing, believing they had killed her.THE INVESTIGATION:Zimmerman did not die. A third of a mile away, witness Terrance Hendrick heard cries for help and found a figure so badly burned he could not determine her race or whether she wore clothing. Despite injuries that defied comprehension—her skin crackling as she walked, her jaw broken, burns covering the majority of her body—Zimmerman remained conscious. She identified her attackers by name. She told investigators everything that had been done to her. She survived for sixteen days before succumbing to thermal injuries at the University of South Alabama Burn Center.CURRENT STATUS:On June 21, 2012, a jury convicted Tina Brown of first-degree murder. On September 28, 2012, she was sentenced to death. The court found the murder was cold, calculated, and premeditated; heinous, atrocious, and cruel; and committed during the course of a kidnapping. Britnee Miller and Heather Lee were also prosecuted for their roles in the crime. Tina Brown remains on Florida's death row.Content warning: This episode contains extremely graphic descriptions of torture, burning, and prolonged violence against a young woman. Real medical and investigative details. Listener discretion strongly advised.Learn more about this case at: https://www.mythsandmalice.com/show/obscura/Support Obscura: https://www.patreon.com/obscuracrimepodcast/Our Sponsors:* Check out Chime: https://chime.com/OBSCURA* Check out Kensington Publishing: https://www.kensingtonbooks.com* Check out Mind of a Monster: The Killer Nurse: https://podcasts.apple.com* Check out Mood and use my code OBSCURA for a great deal: https://mood.com* Check out Progressive: https://www.progressive.comSupport this podcast at — https://redcircle.com/obscura-a-true-crime-podcast/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarchmoney.com/ ~~~ Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ ~~~ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ ~~~ Learn how to set and achieve your 2026 goals in this episode of the BiggerPockets Money podcast with hosts Mindy Jensen and Scott Trench. In this episode, Mindy and Scott review their 2025 achievements and create actionable plans for 2026, covering everything from family milestones and fitness goals to business ventures and financial targets. You'll discover proven goal-setting techniques, strategic planning frameworks, and practical tips for turning New Year's resolutions into real results. What You'll Learn: Strategic goal-setting frameworks for personal, financial, and professional growth How to set realistic yet ambitious goals for 2026 Accountability strategies to actually achieve your resolutions Real examples of personal finance goals and wealth-building plans How to track progress and adjust goals throughout the year And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

SVP and Stanford Steve are back to break down all the action from Week 16 of the NFL season. Starting with a convincing win by the 49ers over the Colts on MNF, can the Niners really make a Super Bowl run? SVP's favorite is still the Rams in the NFC, but there are many teams that can make things interesting. In the AFC, it's anyone's best guess. Could the Jaguars be that team? What about the Patriots? And who should win Coach of the Year? Plus, a word on permanent Pooptown refugee Carolina Panthers, the Eagles' outlook, the Netflix Christmas slate and more. Finally, a full recap of CFP Round 1, preview of the Quarterfinals, reflection of Christmas traditions past and present, how Mechanical is taking the world by storm and more. | SVPod Approximate Timecodes: (0:00) Intro (3:00) Get your merch! (3:46) Mechanical is a movement (5:30) Indy recap (7:34) MNF reaction (9:30) Who are the REAL contenders? (10:26) Jags throttle Denver (12:26) SVP cut Brock Purdy in fantasy… (13:23) Who should be COTY? (16:30) Are the Rams the team to beat in NFC? (18:44) Eagles coast to another win (21:13) Merry Christmas, Netflix! (24:30) Lions fall to Pittsburgh (29:11) Bears edge out Green Bay (30:43) Panthers control NFC South (33:40) Pats and Drake Maye are LEGIT (38:21) CFP 1st rd recap: Bama-OU (44:46) CFP 1st rd recap: A&M-Miami (49:40) CFP 1st rd recap: Ole Miss-Tulane & Oregon-JMU (59:00) CFP Quarterfinals preview (1:02:35) Christmas traditions (1:16:52) Have a happy holiday Learn more about your ad choices. Visit podcastchoices.com/adchoices

Black Pilled is a trusty flashlight in the dark corners of the internet.  https://m.youtube.com/@BlackPilled https://rumble.com/user/blackpilled https://x.com/Black_Pille https://odysee.com/@Blackpilled:b

OB415: Real World IFR, Season 8 Released to show supporters on 12/9/2025 Public release scheduled for 12/23/2025 Have a great week, and thanks for listening to Opposing Bases Air Traffic Talk! ✈️ Real pilots. Real controllers. Real talk.

In State of the Culture Pt. 1, the dynamic duo is back setting the tone and talking directly to the people. The conversation kicks off with gratitude for the listeners and a breakdown of why the show continues to grow—evergreen content over momentary trends. From reflecting on the success of the Diddy documentary breakdown to explaining why older episodes resurface and trend, Ern and Iso dig into what longevity in podcasting really looks like.The episode moves into a thoughtful discussion on public scrutiny, social media judgment, and accountability, using real-world examples to explore how visibility comes with both opportunity and backlash. The duo also touches on family, boundaries, and how the internet has changed the way people feel entitled to comment on others' lives.Later, the conversation lightens up with talk about Stranger Things, binge culture, and why watching something in real time versus years later creates completely different experiences. The episode wraps with Ern revisiting his thoughts on the Nas & DJ Premier album “Light Years”, clarifying his stance and engaging with listener feedback.As promised, this one is all over the place—but in the best way. Real talk, culture, music, media, and honest perspective all rolled into one.00:00 – Introduction & welcome back02:10 – Thanking listeners & Diddy documentary success04:30 – What “evergreen content” really means08:15 – Why old episodes start trending again12:05 – Social media judgment & public scrutiny17:40 – Accountability vs empathy in public life23:10 – Keeping family out of the spotlight28:45 – Internet culture & entitlement to opinions33:20 – Announcing Christmas live show & call-in plans36:50 – Stranger Things binge vs real-time watching45:30 – Shared viewing experiences & generational hype52:10 – Revisiting the Nas & DJ Premier “Light Years” album58:40 – Lyrics vs production debate & hip-hop nostalgia#StateOfTheCulture #ErnAndIso #PodcastTalk #HipHopCulture #EvergreenContent #MediaDiscussion #PodcastCommunity #CulturalCommentary #RealConversations #fyp #ernandiso4president

Welcome to Wholesale Hotline Podcast (Wholesaling Inc Edition), where Brent brings unmatched energy and no-BS strategies straight from his own real-world wholesaling business to help you crush it in yours.Today's episode is part of our Throwback Series where we re-air some of our most popular shows. This episode originally aired on 02/13/2025.Show notes -- in this episode we'll cover:Master cold calling, lead generation, and sales scripts to consistently close deals.You'll learn the latest on the most cutting-edge techniques—like PPC, texting, and automated follow-up systems.Learn how to build confidence, overcome objections, and dominate your local market.Brent shows how talking to people is the fastest, most direct path to wholesale success.Real-life case studies, role plays, and mindset shifts that turn hustle into high income.Please give us a rating and let us know how we are doing!➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖☎️ Welcome to Wholesale Hotline & TTP Breakout

Real estate investing is filled with hype, half truths, and get rich quick promises that rarely match reality. In this episode, Kris Krohn cuts through the noise to explain how most people actually become millionaires through real estate investing. You will learn why patience, strategy, and disciplined execution outperform shortcuts every time. This episode is essential for anyone who wants realistic expectations and sustainable financial success through real estate.

We are wrapping up our special three-part holiday series! For the finale, Liz takes the mic to share her absolute favorite holiday episode from the How to Decorate archive. Liz chose Episode 386 with the delightful Carson Kressley (Queer Eye, RuPaul's Drag Race). Liz loves this episode because Carson embodies the spirit of "lavish yet achievable" holiday cheer. In this hilarious and tip-filled conversation, Carson breaks down how he turns the day after Thanksgiving into a tree-trimming party, his secret for serving fast food on silver platters, and why he color-codes his guest towels. Quick Decorating & Hosting Takeaways: Match the Decor to the Room: Don't force a red and green color scheme if your room is blue. Carson suggests tailoring your holiday decor to the existing room palette (e.g., aqua ribbons and silver ornaments in a blue room) so you don't have to overhaul your daily decor. The "High-Low" Party Menu: You don't need to cook for days to be a great host. Carson's signature move is serving Kentucky Fried Chicken tenders stacked beautifully on an antique silver platter with a homemade dipping sauce. Color-Code Your Guest Rooms: To keep laundry organized when hosting a crowd, assign a specific towel color to each guest room (e.g., the blue room gets blue towels, the lavender room gets lavender towels) so you always know where clean linens belong. What You'll Hear on This Episode: 00:00 Liz introduces the final Holiday Throwback episode 01:45 Carson Kressley joins the show 04:00 Carson's Thanksgiving Routine: Hosting the parade and the "Day After" tree trimming party 09:30 Guest Room Essentials: Flawless bedding and the color-coded towel system 16:00 Real vs. Artificial Trees: Why Carson uses both 20:00 Storage Hacks: Organizing ornaments by tree 28:00 Decorating Philosophy: Using non-traditional colors (Aqua and Silver) 36:00 The Bar Setup: Hiring a bartender and using rolling racks for coat check 45:00 The Menu: KFC on silver platters and country ham biscuits 48:00 Why personalized plastic cups are a hosting lifesaver 53:00 Listener Dilemma: How to style deep window sills with radiators (From Sweden!) Also Mentioned: Carson Kressley | Instagram RuPaul's Drag Race Ballard Designs Essential Stocking Holder American Stationery (Monogrammed Cups) Shop Ballard Designs Please send in your questions so we can answer them on our next episode! And of course, subscribe to the podcast in Apple Podcasts so you never miss an episode. You can always check back here to see new episodes, but if you subscribe, it'll automatically download to your phone. Happy Decorating! Learn more about your ad choices. Visit megaphone.fm/adchoices

A Wall Street Journal column argues that younger investors are turning to options, crypto, and betting as a rational response to a “rigged” economic system. Don and Tom aren't buying it. While acknowledging real headwinds—student debt, housing costs, wage gaps—they dismantle the idea that gambling is an intelligent adaptation. Drawing on history, lived experience, and actual math, they make the case that leverage, speed, and desperation reliably destroy wealth, while patience, diversification, and boring consistency still work. The system may be flawed, but trying to beat it with casino tactics only helps the house. 0:04 Opening rant on “financial nihilism,” generational scolding, and why Gen Z investing looks like gambling 1:21 Wall Street Journal column by Kyla Scanlon introduced and framed 2:53 Gambling vs. investing—why “the system is rigged” is a terrible excuse for riskier behavior 5:24 Don and Tom reflect on their own slow, uncomfortable paths to financial stability 6:04 Real-world counterexample: young coworkers who are saving, investing, and buying homes 7:41 Defining “financial nihilism” and why speed, leverage, and impatience backfire 9:00 What actually works: spend less, delay gratification, diversify, avoid leverage 10:46 Historical perspective—every generation faced headwinds, none solved them by gambling 12:39 The power of compounding, patience, and boring index investing 14:41 Critique of the “small chance of huge return beats slow decline” argument 17:12 Listener question: cap-weighted vs. equal-weighted index funds explained 19:11 Why equal weighting tilts toward value and smaller companies—and costs more 20:22 Millennial caller Jason offers empathy for generational frustration without endorsing gambling 23:48 Lifestyle expectations, flexibility, and why hardship doesn't justify reckless investing 27:27 Food, lifestyle, and historical context—what's better now, what isn't 29:25 Hormel vs. Motorola story revisited: why predicting winners is nearly impossible 36:29 Jaw-dropping returns: Hormel's long-term outperformance over flashy tech 38:45 Light holiday banter, gift absurdities, and wrapping up the show Learn more about your ad choices. Visit megaphone.fm/adchoices

You've got the budget app. You're reading the personal finance books. You know what you should be doing with your money—so why does it still feel so hard to follow through? In this Best of 2025 episode of Everyone's Talkin' Money, Shari breaks down six sneaky psychological biases that shape your money decisions without you even realizing it. From anchoring to optimism bias, these aren't personal flaws—they're predictable brain glitches. But once you spot them, you can stop them. You'll walk away understanding: What anchoring bias is and why it makes that $100 dress feel like a steal (when it's not) Why the fear of losing money feels worse than actually losing it—and how that keeps you stuck How your brain protects old money stories through confirmation bias Why instant gratification keeps winning, even when your future self is begging you to chill How optimism bias tricks you into thinking “next month” will magically fix everything Why social proof bias is fueling lifestyle creep—and what to do instead This is the episode that will make you pause mid-scroll, mid-spend, or mid-self-doubt and say, “Ohhhh, that's what's going on.” If any of these biases hit home, share the episode with a friend and DM Shari @everyonestalkinmoney to keep the conversation going Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Josephine Lauren, founder of Josephine A. Lauren, LLC and creator of Incest AWARE, a content and consultation business that helps individuals and organizations improve methods of incest prevention, intervention, recovery, and justice.Through thoughtful research, creative programming, and community organizing, Josephine collaborates with activists, researchers, and organizations to develop resources that keep children safe, support survivors, and drive systemic change.Now, Josephine's own journey of surviving serial sexual violence and finding few paths to recovery demonstrates incredible courage and a commitment to transforming personal pain into collective action.And while building an awareness movement from the ground up, she is proving that even the hardest conversations can create real change when communities choose connection, healing, and shared leadership.Here's where to find more:www.incestaware.orgwww.josephineanne.comjosephinealauren.substack.comwww.linkedin.com/in/josephinealauren________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Sebastian Uzcategui, founder of Speak Up, a company that helps public speakers amplify their presence and engage their audiences more effectively.Through portfolio creation, content editing, speaker coaching, podcast media appearances, and other tailored services, Sebastian supports speakers in building their personal brands and expanding their reach.Now, Sebastian's journey from running a successful stock trading education business to launching a new venture in public speaking demonstrates his drive to create meaningful impact through communication.And while building his team of ten remote professionals and carving out a space in the speaking industry, he's proving what's possible when you combine vision with bold action.Here's where to find more:https://www.instagram.com/sebastian.uzcate ________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

SHOW NOTES: The holidays can be hard when you're committed to caring for your health—and the people you love don't share the same convictions. In this short episode, I'm sharing three simple, Scripture-rooted tips to help health-conscious Christian women navigate family gatherings with peace, confidence, and grace—without debates, explanations, or awkward tension. We'll talk about: How to influence without lecturing Why testimony is more powerful than nutrition arguments How to honor your body and your relationships Letting go of the pressure to “convert” anyone This episode is for the woman who wants to steward her health faithfully while keeping the holidays relationally whole. Holiday Script Cheat Sheet HERE - https://www.morriswellnessservices.com/holidayscriptcheatsheet   Get on the Verity Village Waiting List -- LAST CHANCE -- https://www.morriswellnessservices.com/villagewaiting   Apply for your Foundation Call to see if 1:1 coaching is a good fit for you at https://www.morriswellnessservices.com/application   This is the newly rebranded podcast, formerly known as "Your Birth, God's Way". If you are pregnant, please look back on your podcast app for over 140 episodes dealing exclusively with pregnancy topics! Helpful Links: — BIBLE STUDY - FREE Bible Study Course - How To Be Sure Of Your Salvation - https://the-ruffled-mango-school.teachable.com/p/how-to-be-sure-of-your-salvation   -- COACHING - If you're tired of shallow, cheap, meaningless connections in pregnancy that leave you feeling passed over and confused, Virtual Prenatal Coaching might be for you. If you're ready to invest in coaching that will bring REAL results and REAL change, not only now but for the future of your family and your children's families, let's talk about how this 1-on-1 coaching might be just what you've been looking for! Go here to learn more - https://go.yourbirthgodsway.com/coachinginterest   -- If you are not pregnant, you're sick and tired of being sick and tired, and you're ready for something different - something to help you finally look and feel like yourself again, my 1:1 Concierge Wellness Coaching is for YOU! Learn more at morriswellnessservices.com!   — CHRISTIAN CHILDBIRTH EDUCATION - Sign up HERE for the Your Birth, God's Way Online Christian Childbirth Course! This is a COMPLETE childbirth education course with a God-led foundation taught by a certified nurse-midwife with over 20 years of experience in all sides of the maternity world! - https://go.yourbirthgodsway.com/cec   — HOME BIRTH PREP - Having a home birth and need help getting prepared?  Sign up HERE for the Home Birth Prep Course. — homebirthprep.com   — MERCH - Get Christian pregnancy and birth merch HERE - https://go.yourbirthgodsway.com/store   — RESOURCES & LINKS - All of Lori's Recommended Resources HERE - https://go.yourbirthgodsway.com/resources   Got questions?  Email lori@yourbirthgodsway.com Leave me a message -- https://www.speakpipe.com/yourbirthgodsway   Social Media Links: Follow Lori on Instagram! @lori_morris_cnm Subscribe to my YouTube channel - youtube.com/ifmamaainthealthy Join Lori's Facebook Page! facebook.com/lorimorriscnm Join Our Exclusive Online Christian Women's Wellness Community -- facebook.com/groups/yourbirthgodsway   Learn more about pregnancy at go.yourbirthgodsway.com! Learn how to reclaim your health at every season of motherhood at morriswellnessservices.com !   DISCLAIMER:  Remember that though I am a midwife, I am not YOUR midwife.  Nothing in this podcast shall; be construed as medical advice.  Listening to this podcast does not mean that we have entered into a patient-care provider relationship. While I strive to provide the most accurate information I can, content is not guaranteed to be 100% accurate.  You must do your research and consult other reputable sources, including your provider, to make the best decision for your own care.  Talk with your own care provider before putting any information here into practice.  Weigh all risks and benefits for yourself knowing that no outcome can be guaranteed.  I do not know the specific details about your situation and thus I am not responsible for the outcomes of your choices.    Some links may be affiliate links which provide me a small commission when you purchase through them.  This does not cost you anything at all and it allows me to continue providing you with the content you love.

Xmas Special: Why project management tools fail software development - and what works instead! In this BONUS episode, we dive deep into The Project Management Trap, continuing our exploration from Episode 1 where we established that software is societal infrastructure being managed with tools from the 1800s. We examine why project management frameworks - designed for building railroads and ships - are fundamentally misaligned with software development, and what happens when we treat living capabilities like construction projects with defined endpoints. The Origin Story - Where Project Management Came From "The problem isn't that project management is bad. The problem is that software isn't building a railroad or a building, or setting up a process that will run forever (like a factory)." Project management emerged from industries with hard physical constraints - building the Transcontinental Railroad in the 1860s, coordinating factory machinery, managing finite and expensive materials. The Gantt chart, invented in the 1910s for factory scheduling, worked brilliantly for coordinating massive undertakings with calculable physics, irreversible decisions, and clear completion points. When the rails met, you were done. When the bridge was built, the project ended. These tools gave us remarkable precision for building ships, bridges, factories, and highways. But software operates in a completely different reality - one where the raw materials are time and brainpower, not minerals and hardware, and where the transformation happens in unique creative moments rather than repeated mechanical movements. The Seductive Clarity Of Project Management Artifacts "In software, we almost never know either of those things with certainty." Project management is tempting for software leaders because it offers comforting certainty. Gantt charts show every task laid out, milestones mark clear progress, "percent complete" gives us a number, and a defined "done" promises relief. The typical software project kickoff breaks down into neat phases: requirements gathering (6 weeks), design (4 weeks), development (16 weeks), testing (4 weeks), deployment (2 weeks) - total 32 weeks, done by Q3. Leadership loves this. Finance can budget it. Everyone can plan around it. But this is false precision. Software isn't pouring concrete where you measure twice and pour once. Every line of code is a hypothesis about what users need and how the system should behave. That 32-week plan assumes we know exactly what to build and exactly how long each piece takes - assumptions that are almost never true in software development. The Completion Illusion "Software products succeed by evolving. Projects end; products adapt." "Done" is the wrong goal for living software. We expand on the Slack story from Episode 1 to illustrate this point. If Slack's team had thought in project terms in 2013, they might have built a functional tool with channels, direct messages, file sharing, and search - shipped on time and on budget by Q2 2014, project complete. But that wasn't the end; it was the beginning. Through continuous user feedback and evolution, Slack added threaded conversations (2017), audio/video calls (2016), workflow automation (2019), and Canvas for knowledge management (2023). Each wasn't maintenance or bug fixing - these were fundamental enhancements. Glass's research shows that 60% of maintenance costs are enhancements, not fixes. By 2021, when Salesforce acquired Slack for $27.7 billion, it bore little resemblance to the 2014 version. The value wasn't in that initial "project" - it was in the continuous evolution. If they'd thought "build it, ship it, done," Slack would have died competing against HipChat and Campfire. When Projects Succeed (Well, Some Do, Anyway) But Software Fails "They tried to succeed at project management. They ended up failing at both software delivery AND project management!" Vasco references his article "The Software Crisis is Real," examining five distinct cases from five different countries that represent what's wrong with project thinking for software. These projects tried hard to do everything right by project management standards: detailed requirements (thousands of pages), milestone tracking, contractor coordination, hitting fixed deadlines, and proper auditing. What they didn't have was iterative delivery to test with real users early, feedback loops to discover problems incrementally, adaptability to change based on learning, or a "living capability" mindset. Project thinking demanded: get all requirements right upfront (otherwise no funding), build it all, test at the end, launch on deadline. Software thinking demands: launch something minimal early, get real user feedback, iterate rapidly, evolve the capability. These projects succeeded at following project management rules but failed at delivering valuable software. What Software-Native Delivery Management Looks Like "Software is unpredictable not because we're bad at planning - it's unpredictable because we're creating novel solutions to complex problems, and in a completely different economic system." If not projects, then what? Vasco has been exploring this question for years, since publishing the NoEstimates book. The answer starts with thinking in products and capabilities, not projects - recognizing that products have ongoing evolution, capabilities are cultivated and improved rather than "delivered" and done, and value is measured in outcomes rather than task completion. Instead of comprehensive planning, we need iteration and constant decision-making based on validated hypotheses: start with "We believe users need X," run experiments by building small and testing with real users, then learn and adapt. Instead of fixed scope, define the problem (not the solution), allow the solution to evolve as you learn, and optimize for learning speed rather than task completion.  The contrast is clear: project thinking says "We will build features A, B, C, D, and E by Q3, then we're done." Software-native thinking says "We're solving problem X for users. We'll start with the riskiest hypothesis, build a minimal version, ship it to 100 users next week, and learn whether we're on the right track." The appropriate response to software's inherent unpredictability isn't better planning - it's faster learning. References for Further Reading Vasco Duarte's article on the Software Leadership Workshop newsletter: "The Software Crisis is Real"  Glass, Robert L. "Facts and Fallacies of Software Engineering" - Fact 42: "Enhancement is responsible for roughly 60 percent of software maintenance costs. Error correction is roughly 17 percent. Therefore, software maintenance is largely about adding new capability to old software, not fixing it." NoEstimates Book: How To Measure Project Progress Without Estimating Slack evolution timeline: Company history and feature releases  The unexpected design challenge behind Slack's new threaded conversations Slack voice and video chat Slack launches admin workflow automation and announcement channels  Meet Slack Canvas - Slack's answer to the knowledge management problem. About Vasco Duarte Vasco Duarte is a thought leader in the Agile space, co-founder of Agile Finland, and host of the Scrum Master Toolbox Podcast, which has over 10 million downloads. Author of NoEstimates: How To Measure Project Progress Without Estimating, Vasco is a sought-after speaker and consultant helping organizations embrace Agile practices to achieve business success. You can link with Vasco Duarte on LinkedIn.

Is IVF the answer for recurrent pregnancy loss? Why would IVF with genetic testing of embryo be helpful for people that are 'getting' pregnant but can 'stay' pregnant?  In this educational episode, Dr. Lora Shahine explains the complex relationship between IVF, genetics, and recurrent pregnancy loss. She reviews the science behind why chromosomal imbalances are one of the most common causes of first-trimester miscarriage and discusses how preimplantation genetic testing for aneuploidy (PGT-A) may help select embryos with the highest chance of success for some patients. Through real patient examples and evidence-based guidance, this episode explores the nuances of testing, timing, emotional well-being, and the ethical and financial considerations that shape decision-making. Listeners will walk away informed, empowered, and reminded that no matter their fertility path, they are not alone. In this episode you'll hear: [2:03] Why consider IVF for recurrent pregnancy loss? [4:10] IVF process & genetic testing [11:02] Real world counseling & patient scenarios [16:12] Pros & cons of IVF for recurrent pregnancy loss [24:58] Key considerations for IVF [28:15] Patient examples and recommendations [31:12] Final thoughts Dr. Shahine's Weekly Newsletter on Fertility News and Recommendations Follow @drlorashahine Instagram | YouTube | Tiktok | Her Books

Jamie Hodari, CBRE's CEO of Building Operations & Experience, spotlights where he sees the biggest opportunity across commercial real estate: workplace experience. He discusses how a company's space can attract tenants and enhance the employee experience, enriching people's lives and increasing business effectiveness. Everything is operational real estate: Real estate companies are evolving from asset focused businesses to operating platforms, requiring high-quality management relentlessly focused on workplace experience.AI and data utilization are no longer nice-to-haves: Using AI to manage and interpret data is crucial for optimizing building operations.Markets are adapting to accommodate hybrid work models with flexible office usage: Urban markets especially put significant emphasis on making downtown areas vibrant.Finance institutions are catching up: The finance industry must recognize and adapt to the operational nature of modern real estate.Flight-to-quality is expanding: The focus for landlords and occupiers will increasingly be on creating spaces that people find enriching and valuable, not just functional.

Real accountability isn't comfortable—but it's how we all get free. In this powerful third conversation of our Million Man March 30th Anniversary series, Dr. David J. Johns brings together three organizers whose work centers the intersections that harm Black communities the most: Kenya Hutton (CEO of the Center for Black Equity), Oluchi Omeoga (who leads  the Black LGBTQIA+ Migrant Project), and Preston Mitchum (Black queer-loving lawyer, strategist, and advocate).Together, they name what Black men owe Black women, trans folks, and each other—not through guilt, but through genuine repair. They expose how anti-blackness, misogyny, trans misogynoir, and homophobia work together to reinforce systems that harm us all. They challenge us to move beyond performance to practice: building actual structures of accountability that cross borders, cultures, and comfort zones. From the streets of DC to organizing spaces in South Africa, from the ballroom to the policy room, these three truth-tellers refuse to let us off easy.This isn't about shame. It's about safety and solidarity. Protection rooted in love, not control. Refusing to give up on each other even when it's hard. And remembering that real accountability is a required act of love—because liberation requires all of us.Become a supporter of this podcast: https://www.spreaker.com/podcast/teach-the-babies-w-dr-david-j-johns--6173854/support.

Send us a textIn this game-changing episode of The Wealth Vibe Show, host Vinki Loomba sits down with Beau Turner, founder of Abundant Minds, to explore how Bitcoin mining is reshaping the landscape of passive income and digital asset investing. A former real estate investor turned Bitcoin miner, Beau shares his journey, the setbacks he overcame, and how he's helping investors tap into Bitcoin cash flow—without becoming tech experts.Key Insights:From Real Estate to Digital Infrastructure: Why Beau sold his real estate to build data centers for Bitcoin mining—and how it opened a new path to financial freedom.Passive Income, Reimagined: How owning a Bitcoin miner can produce cash flow like a rental property—without the tenants or toilets.Tax-Advantaged Wealth: Discover how Bitcoin mining offers depreciation and tax savings like real estate, making it a smart play for high-income earners.Demystifying the Tech: You don't need to be a tech genius—Beau's team handles everything from setup to maintenance in their Oregon-based data centers.Energy as Opportunity: Why Bitcoin mining helps stabilize energy grids, repurposes wasted power, and creates local jobs—yes, including feeding families.Vision for the Future: Bitcoin is not just a currency—it's a reserve asset in the making. And the next decade is the digital gold rush. Episode Timestamps:00:00 - 04:10: Beau's shift from real estate to Bitcoin mining04:10 - 09:24: Building Abundant Minds after a major loss09:24 - 14:24: Active vs. passive mining and what it takes to maintain miners14:24 - 20:18: Tax advantages and structuring investments for high-income earners20:18 - 26:53: How mining generates income & Bitcoin's global potential26:53 - 33:09: Real estate meets digital infrastructure—data centers explained33:09 - 39:35: Common misconceptions about Bitcoin and how mining stabilizes energy grids39:35 - 45:34: Bitcoin as an impact vehicle and redefining wealth45:34 - 48:31: How to get started with Abundant Minds & rapid fire with Beau

This could be the most encouraging sign for the housing market in years. It's the final month of 2025, and the housing market has flipped from this time last year. Real prices are down, mortgage rates are near a percent lower, inventory is stabilizing, and affordability…it's actually improving. But hints at a wave of underwater mortgages are making people nervous. With the number rising, is this the “distress” signal many have been waiting for? Welcome to our last housing market update of 2025. We're getting into it all: home price, mortgage rate, and inventory updates, plus a new seller trend that is causing serious confusion, and could be the final nail in the “housing market crash” coffin. With sellers doing what nobody expects, next year could get interesting. More homeowners are falling “underwater” on their mortgages. Is this a 2008 repeat or just a blip on the real estate radar? Some economists are worried about rising delinquencies, but a high-level view of the data could point to an entirely different conclusion. In This Episode We Cover Sellers do what nobody expects, and it's killing the “crash” narrative  Underwater mortgages are surging, but are homeowners really in danger?  The best news we've had in three years? A massive win for housing affordability  Mortgage rate momentum and whether now is the right time to refinance The key affordability improvements we've seen since the start of 2025  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1216 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In episode 724 of The Half Size Me™ Show, Heather talks with Jackie about how she had learned to utilize the paper & pencil journal. They also chat about: -- how to find areas for improvement -- how to reframe your mindset about this journey -- and more! Support Half Size Me Show's mission and help us stay free of third-party ads! As a subscriber to Half Size Me Podcast Premium, you will get: --Access to the entire 650+ episode archive --Access weekly episodes a day EARLY --Access to EXCLUSIVE, subscriber-only episodes including the Coaching Karolina and Coaching Sarah series --Access to subscriber-only audio responses to “Ask Me Anything” questions Become a podcast premium subscriber today and make Heather and the Half Size Me show a part of your weight loss journey! Do you want to get support and connection at a price you can afford? Then check out the Half Size Me Academy here: https://www.halfsizeme.com/hsm-academy/ About Half Size Me The Half Size Me™ Show is a weekly podcast. It will inspire and motivate you no matter where you are in your weight loss journey. Whether you're just getting started losing weight or having worked on your health and wellness for years, this show is for you! The Half Size Me Show is hosted by Heather Robertson, who lost 170 pounds over a period of 5 years and has maintained since 2012. Heather did it by learning new eating habits, getting regular exercise, and changing her mindset. On her popular weekly podcast, The Half Size Me Show, Heather shares her own lessons and struggles with you, and she shows you how to handle the real challenge of any weight loss journey... weight maintenance. Be sure to subscribe to The Half Size Me Show and join Heather every week as she shares information, inspiration, coaching, and conversations with REAL people who've learned weight loss isn't only about losing pounds, it's about finding yourself. Disclaimer: Heather is not a doctor, nurse, or certified health professional. What worked for her or her guests may not work for you. Please talk with your doctor, dietician, or other certified health professionals when seeking advice about your own weight loss or weight maintenance plan. All information included in The Half Size Me™ Podcast and on HalfSizeMe.com is for informational and inspirational purposes only. For additional disclaimer information, please visit HalfSizeMe.com.

Let's talk about the reality of “going viral” on LinkedIn.Most people think virality is something you can engineer on demand.It's not.Here's the truth, from someone who's been posting on LinkedIn for years:You might go viral once.Maybe twice.And that's normal.In today's episode, I'm using a real example from my own history. Nearly seven years ago, I published a short LinkedIn article. Four sentences long. That post went on to generate over a million impressions, nearly 14,000 engagements, and hundreds of comments.Nothing I've posted since has replicated that level of virality.And that's okay.Along the way, I've had posts perform very well. Hundreds of likes. Strong comment threads. Real conversations. Real opportunities.However, if you see someone who consistently receives hundreds of likes and comments every time they post, regardless of the content, that should raise a flag.That doesn't pass the smell test.In most cases, it's not “mastery of the algorithm.”It's engagement pods… and LinkedIn doesn't look kindly on them.The goal on LinkedIn isn't chasing viral moments.It's building:- Consistent visibility- Real engagement- Trust over time- Conversations that lead to relationships, opportunities, and revenueVirality is an outlier.Consistency is the strategy.Don't forget to grab a spot on our calendar to grab one of our final pre-sale VIP spots in our Expert Authority Mastermind here:https://scottaaron.as.me/expertauthorityconsult

Two longtime friends go deep. Joakim Noah—two-time NCAA champion, NBA All-Star, Defensive Player of the Year—joins Gabby to talk identity after sport, learning to give himself grace, fatherhood, and why trust is a coach's real superpower. He shares the story behind his new travel/interview series Nomad, how losses shaped him more than wins, what Chicago taught him about community, and the mindset shift from “run through a wall” to leading with curiosity. Real talk on injuries, NIL, nature as counterbalance, and building a life that's strong, calm, and connected.FIND JOAKIMNomad | NBA Take Two on YouTube: https://www.youtube.com/watch?v=iNycYzLEhNcNoah's Ark Foundation — youth programs & violence prevention: https://www.noahsarcfoundation.org/IG: @joakimnoah https://www.instagram.com/stickity13/For More on Gabby:Instagram @GabbyReece: https://www.instagram.com/gabbyreece/TikTok @GabbyReeceOfficial https://www.tiktok.com/@gabbyreeceofficialThe Gabby Reece Show Podcast on YouTube: https://www.youtube.com/@GabbyReeceProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this encore episode, I talk about Narcissism. What actually makes someone a narcissist? And what's the REAL difference between covert and overt narcissism? I break  down the traits to look out for to how to actually deal with a narcissist in your life. Especially when it's someone close, like a parent or in-law... Sydney Live Show February 4th, tickets are on sale ⁠⁠⁠⁠here⁠⁠⁠⁠.  Join the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DYFM Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Group  Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@doyoufkingmind⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠on IG   Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@dyfmpodcast⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on TT Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@⁠⁠⁠⁠alexisfernandezpreiksa⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on IG    Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@alexispredez⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on TT Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mindsetrecreationclub⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on IG    Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mindsetrecreationclub⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on TT Order your Brain Journal here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.mindsetrecreationclub.com⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling overwhelmed by the homebuying process? This episode gives first-time buyers a clear starting point by showing how to use the How to Buy a Home Episode Guide to build confidence, clarity, and a personal education plan.How to Buy a Home 2025 Episode GuideThis end-of-year road trip episode is designed for renters who don't know where to begin — or who feel stuck trying to make sense of conflicting advice online. Instead of pushing tactics or timing, this episode explains how first-time buyers can use education as their advantage.The focus is on building confidence through clarity, understanding what information actually matters, and learning how other real buyers have successfully navigated today's housing market using proven strategies.“You can't control the housing market, but you can 100% control how much information you take in and how confident you become.” - SidoniPopular Podcast TopicsWhere to start as a first-time homebuyerFinding your place in the process and avoiding overwhelm by using the Episode Guide.Rent vs. buy: does buying actually make sense right now?Comparing rent replacement math, lifestyle impact, and long-term strategy.How much money do you really need to buy a home?Why online calculators are misleading and how real buyers close with far less cash.Low down payment options that actually work3%, 3.5% FHA, 5% conventional, VA loans, and down payment assistance programs.Buying a home with student loans or other debtHow buyers qualify while carrying student loans, car payments, or credit cards.Credit scores and common credit mythsWhat lenders really care about, credit pull myths, and why perfection isn't required.Affordability fears and avoiding being house poorMonthly payment comfort, budgeting confidence, and long-term financial stability.Timing your move, not the marketWinter buying advantages, planning around leases, and when breaking a lease can make sense.Market timing vs. having a smart planWhy waiting for a crash backfires and how flat markets still create opportunity.Real renter stories that prove this is possibleLow savings buyers, first-generation homeowners, VA buyers, and high-cost-area success stories.Plus tons of interviews with real renters who have broken the cycle and bought their first home.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeCheck out First Time Home Buyer Stories for full podcast interviews on YouTubeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Too many entrepreneurs sit around waiting for permission, approval, or validation. But what if the only green light you needed was your OWN? In this must-listen episode of Black Entrepreneur Blueprint, Jay Jones breaks down why self-validation is the ultimate power move and how embracing it can fast-track your success. No more waiting, it's time to believe, build, and BOSS UP. Listen now and take control of your entrepreneurial destiny!   ENROLL NOW: The Plug-And-Profit Side Hustle Webinar The Most Lucrative & Simple Side Hustle in the New Economy GO TO: https://blackentrepreneurblueprint.easywebinar.live/event-registration-10 Forget the side hustles that drain your time and pay you pennies. There's a brand-new income opportunity exploding right now — and the people who move early will be the ones who win big. It's called The Plug-And-Profit Side Hustle, and it allows everyday people to earn thousands per month by plugging into a high-demand system that businesses already need. This isn't selling lotions or driving strangers around… This is a smarter, scalable side hustle built for busy professionals who need:✔ Security, not uncertainty✔ Leverage, not labor✔ Real income, not pocket change with passive recurring income GO TO: https://blackentrepreneurblueprint.easywebinar.live/event-registration-10  

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 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 or text 'GRE' to 66866 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, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   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 rights 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   Corey Coates  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   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. 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Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   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  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Think you need tons of cash or a perfect credit score to invest in storage? Think again. In this episode, I share the real stories—and real numbers—of how I bought my first two self-storage facilities using zero dollars out of my own pocket. And I'm not alone. One of my coaching clients, Casey, followed the same roadmap and closed on two storage deals within nine months—both with seller financing and no money down. I walk you through the exact steps I took to find the deals, fund them creatively, and build strong, cash-flowing assets without the headaches of tenants, toilets, and trash. Whether you're just starting out, feel stuck financially, or think this isn't possible for you, this episode is going to blow your mind and show you what's actually doable—even if you're brand new.   You'll Learn How To: Fund storage deals without using your own money Tap into seller financing, private lending, and SBA loans Identify and find mom-and-pop owned storage facilities with simple tools Build relationship capital that becomes your most valuable resource Scale without complexity using a proven, repeatable process What You'll Learn in This Episode: [2:55] How I transitioned from burnt-out wholesaler to storage investor [5:17] Why storage beats single-family for cashflow and simplicity [7:41] Forced appreciation: how to increase value without waiting on comps [12:20] The power of lien laws vs. long eviction battles in single-family [14:42] Case study #1: My first $0-down deal with $350K raised through relationships [17:05] Case study #2: Seller financing 90% and doubling cashflow potential [19:24] Case study #3: 100% funded by private lenders, sold for a $700K profit [21:51] How to use Google Maps and direct mail to find off-market, mom-and-pop storage deals [26:37] The $150K deal from a letter a seller held onto for 2 years [29:04] Casey's story: two facilities in nine months, both 100% seller financed Who This Episode Is For: Anyone who thinks they need cash or experience to get started Real estate investors looking for more time freedom and less stress Wholesalers and flippers tired of chasing deals every month Beginners ready to take action and buy their first facility Why You Should Listen: I've done it. Casey's done it. And you can too. This episode is your real-world proof that funding is not your problem—it's your belief. When you apply relationship capital, creative financing, and the right process, you can buy your first (or next) facility sooner than you think. This episode lays out the blueprint—now you just need to take action.   Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/  Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/

Most people think communication is about what you say. It's not. It's about what happens in the listener's brain before you finish your sentence. This episode breaks down the neuroscience of communication and why charisma is overrated. Real influence comes from how the brain processes sound, novelty, and behavior in real time. You'll learn the communication frameworks used by top performers, executives, and elite negotiators including vocal entrainment, micro-behavior mirroring, attention psychology, dopamine triggers, storytelling science, and credibility language patterns. We cover how to speak in short, high-impact bursts, use questions to increase engagement, and control silence in high-stakes conversations. These are practical tools pulled from boardrooms, negotiations, and live debates. If you want to communicate with confidence, influence faster, and be taken seriously in business, leadership, sales, and negotiations, this episode will change how you speak. Communication isn't a soft skill. It's applied neuroscience. Protect what you own. Next makes it fast, simple, and painless. Check it out: https://www.nextinsurance.com/codie ___________ 00:00:00 Introduction 00:00:38 The Neuro-Echo Effect: People Mirror Your Energy in 200 Milliseconds 00:02:46 The Brain Is Addicted to Novelty, Not Logic 00:03:45 Clarity Over Complexity: The Simplicity Anchor 00:04:44 Questions Increase Dopamine: The Curiosity Loop 00:06:53 Your Voice Controls Other People's Heart Rates 00:07:56 Rhythmic Language Sounds More True 00:09:49 The 3-to-1 Trick for Difficult Conversations 00:12:06 Speak in Sprints, Not Streams 00:14:19 Gesture Before You Speak: Gesture Priming 00:16:13 Stories Stick 22 Times More Than Facts 00:19:15 Replace 'I Think' with 'I've Observed' 00:20:29 The Cognitive Snap: Using Names and Details 00:21:43 Open Your Rib Cage: Postural Neuroendocrinology 00:23:01 Taking Turns Builds Trust Faster Than Agreement 00:24:45 End with the Cognitive Close, Not a Question ___________ MORE FROM BIGDEAL

Sue Becker reflects on a recent article that deeply resonated with her during this Advent season. Through this reflection, she invites us to slow down and be more intentional in a busy world. Sue shares the 12 thoughtful questions the article's author proposed, offering space for silence, listening, and resting in the Lord's presence. LISTEN NOW and SUBSCRIBE to this podcast here or from any podcasting platform such as, Apple Podcasts, YouTube, Spotify, Alexa, Siri, or anywhere podcasts are played. For more information on the Scientific and Biblical benefits of REAL bread - made from freshly-milled grain, visit our website, breadbeckers.com. Also, watch our video, Only Real Bread - Staff of Life, https://youtu.be/43s0MWGrlT8. Visit our website at https://www.breadbeckers.com/ Follow us on Facebook @thebreadbeckers and Instagram @breadbeckers. *DISCLAIMER: Nothing in this podcast or on our website should be construed as medical advice. Consult your health care provider for your individual nutritional and medical needs. The information presented is based on our research and is strictly that of the author and not necessarily those of any professional group or other individuals.

Timmie Mirza, founder of Simplify One Thing, a tech coaching business that helps coaches and course creators clarify their business idea and launch their first program by keeping tech simple.Through her coaching, training, virtual assistance services, and her signature 12-week mastermind Dream Believe Launch, Timmie guides entrepreneurs to overcome both tech and mindset challenges so they can bring their coaching programs to life.Now, Timmie's journey from living and breathing tech to discovering her deeper passion for facilitating transformation demonstrates how simplifying systems can unlock confidence and results for new business owners.And while empowering others to move from “I can't” to “I did it,” she's creating ripple effects that allow her clients to step into entrepreneurship with clarity and confidence.Here's where to find more:https://simplifyonething.comhttps://facebook.com/simplifyonethingYouTube.com/@simplifyonething________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Alexia Leachman, founder of Head Trash Clearance, a unique healing and coaching business that helps leaders and business owners clear the emotional baggage holding back their revenue, confidence, and joy.Through her self-healing platform, one to one coaching, and corporate work, Alexia guides clients to release deep-seated fears and subconscious blocks so they can lead with clarity and ease.Now, Alexia's own journey from battling extreme tokophobia to creating a globally downloaded podcast and developing a proven healing method demonstrates how transforming personal pain can fuel meaningful change.And while helping others ditch burnout, reclaim their voice, and build businesses they actually love, she shows that clearing the mind clears the path to true success.Here's where to find more:www.head-trash.comhttps://www.facebook.com/alexia.leachmanhttps://www.linkedin.com/in/alexialeachman________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

We're wrapping up the year with your most-downloaded episodes—the ones that helped you grow smarter, simplify faster, and work less without losing momentum.  This week's pep talk kicks-off a replay of our very first ever live CEO Week series. In this series, we'll be breaking down actionable tips to help you design your dream schedule and bring your business vision to life without burning out. Each week, you'll learn three crucial shifts to focus your efforts, attract the right customers, and create a balanced life you love. Today, we begin with Shift #1: Finding your focus. In today's episode, I share:What a CEO Week actually looks like (spoiler: it's more than just blocking off time) How to prioritize the right tasks based on your season of life and business The 3 key categories that should always be on your CEO calendar Why traditional to-do lists are failing you—and what to do instead Real-life examples you can model (even if your schedule feels crazy) 

Ever feel like your checklists are getting longer while your problems get louder? We shine a light on the quiet force that stalls growth in so many dental practices: the truth everyone knows but no one says. Borrowing the concept of “mokita,” we explore how unspoken issues infect culture, erode patient experience, and drain profit—then we show you how to end the silence without blowing up your team.We walk through a simple, repeatable framework for tough conversations: Ask permission, State how you feel, Share the issue clearly, and Seek to understand. You'll hear how this approach lowers defensiveness, creates psychological safety, and replaces gossip with honest dialogue. From chronically late hygiene schedules to front desk friction, we unpack how to distinguish a process problem from a conversation problem, and why addressing the latter first makes your systems actually work. Real-world examples reveal how a single candid talk can outperform a dozen SOP tweaks.By the end, you'll have a practical script for tackling your biggest cultural bottlenecks and a weekly challenge to surface one mokita and resolve it. Expect fewer energy leaks, stronger accountability, and a smoother, more profitable practice that runs on trust. Ready to lead with clarity and courage? Listen now, then share the first hard conversation you'll start today—and subscribe for more tools to build a team-driven practice.Join us for Free Live Trainings and Community Discussion in the DPH Hero Collective on the DPH App.  Click Here to Join! GRAB THE FREE PLAYBOOK HERE - Discover 30 proven strategies top-performing dentists use to increase profits, cut clinical days, and finally enjoy the freedom they originally built their practices for.https://www.dentalpracticeheroes.com/playbookTake Control of Your Practice and Your Life We help dentists take more time off while making more money through systematization, team empowerment, and creating leadership teams. Ready to build a practice that works for you? Visit www.DentalPracticeHeroes.com to learn more.

This week on Special Episode #4 of the Christmas Break series, I speak with Arrica Hess, who is a follower of Jesus Christ, a pastor's wife, a women's ministry leader, and a homeschooling mom of four kids ages 18, 17, 14, and 10. Ever since she had her second child, she has been a stay-at-home mom. Through raising and observing her children, God has used them to teach her valuable lessons about her relationship as a child to Him as her Heavenly Father. Arrica shares this and more on her blog, A Child Shall Lead Them. You won't want to miss this inspiring episode!Links: achildshallleadthemblog.com https://www.facebook.com/achildshallleadthemblog?mibextid=ZbWKwLWhat is The Prudent Woman Retreat 2026 all about?This year, we're gathering around a powerful theme: REDEEMING THE TIME.From January 16–18, 2026, step into a 100% virtual retreat designed for the woman who longs for a deep, intentional encounter with God—right where she is.Whether you're curled up on your couch, away on a quiet getaway, or tuning in between life's responsibilities, this retreat lets you meet with the Lord in the way that fits your life.What You'll Experience✨ A fully online, flexible retreat — engage when and where it works best for you.✨ 13+ transformational breakout sessions crafted to help you grow, focus, and stay rooted in the Word.✨ Real interaction with each speaker through our private community platform.✨ Unlimited access to all recordings — perfect if you're busy during the live sessions.✨ An exclusive online group where you can discuss, connect, and ask questions in a safe, faith-filled space.✨ A digital conference notebook filled with listener guides and actionable worksheets to help you apply what you learn.Click Here to Join the Prudent Woman CommunityGet ready to pull away with God—intentionally, deeply, and purposefully—without leaving the comfort of your home.For enquiries, email: theprudentwomanretreat@gmail.com Facebook Community: https://web.facebook.com/groups/1025357944935593 For those not on Facebook, a dedicated YouTube Playlist for all the sessions would be found here: https://www.youtube.com/@IFEOMASAMUEL/playlists

As 2025 comes to a close, Kendra reflects on how quickly both life and business move—especially through the lens of becoming a parent—and uses that perspective to revisit her predictions for the year ahead. This episode sets the stage for what 2026 will require from health and wellness entrepreneurs as the market becomes more sophisticated and discerning.A central theme is the evolving role of AI. While AI tools can dramatically speed up work and support decision-making, Kendra makes it clear they won't replace human coaches. Real connection, expertise, and judgment remain the true differentiators in premium health services, with AI acting as an assistant rather than the authority.Ultimately, this episode offers a grounded roadmap for 2026—one that blends smart AI adoption, human connection, clear differentiation, and consistent visibility to build a sustainable, trusted business in an increasingly competitive space.In this episode you'll learn:Reflection on 2025 Predictions and AI in Health CoachingThe Growing Demand for High-Touch Programs Over Low-Ticket DIY CoursesImportance of Omnipresence and Decline of Generic Marketing TemplatesPredictions for 2026: Low-Ticket Role Shift and Influencer QualitiesNecessity of Proprietary Frameworks and Micro Moment Marketing in 2026  Leave the podcast a 5-star review: https://ratethispodcast.com/wealthy

Fearless Agent Coach & Founder Bob Loeffler shares his insights on Open house Partnership Idea and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

Send us a textA single verse can steady a shaking season. We open Isaiah 7:14 and watch a 700-year promise take on skin, breath, and a name—Emmanuel. Not myth, not metaphor. God with us. From a nation in turmoil to a manger in Bethlehem, we trace how a sign beyond human possibility—born of a virgin—signals a rescue only God could author.Ever think, “I'm just a guy… what real difference can I make?” You're not alone. But God isn't looking for perfect men — just obedient ones. Our I'm Just a Guy Bible study on YouVersion has helped 20,000+ men see how God uses ordinary guys to do extraordinary things.Check it out at thelionwithin.us/youversion or search The Lion Within Us directly in the Bible app.It's time to stop sitting on the sidelines.Step into the fight and become the man God called you to be. Join a brotherhood built on truth, strength, and action. Visit thelionwithin.us right now and start leading with boldness and purpose. Iron sharpens iron — let's go.

Sign Up for Mostly Dry January--The DailyIn this episode of the Alcohol Minimalist podcast, Molly tackles a common end-of-year mindset trap: the “sin and repent” cycle. It's the idea that December is for overindulgence and January is for repentance—a pattern that often reinforces all-or-nothing thinking and keeps us stuck in old drinking habits.Through personal reflections and practical coaching, Molly unpacks the power of permission-giving thoughts like “It's the holidays, I deserve this” or “I'll get back on track in January.” These seemingly harmless ideas delay change, undermine self-trust, and reinforce avoidance patterns.But there's a better way—and it starts by practicing mindful thought shifts right now, not later. With her See, Soothe, Separate, Shift method and a science-backed approach to building new thought habits, Molly shows listeners how to move through the holiday season with more clarity, agency, and peace.What You'll Learn in This Episode:Why the “I'll be good in January” mindset is not harmless—and how it reinforces habits you're trying to breakWhat permission-giving thoughts sound like and why they feel so rationalHow delaying behavior change until January trains your brain to avoid discomfortThe difference between self-compassion and excuse-makingHow to use the See, Soothe, Separate, Shift framework to rewire your thinking in real timeKey Quote“It's not a willpower problem—it's a pattern problem. The thoughts you choose now are training your brain for what you'll do next month and next year.”Mentioned in This EpisodeBehavior Map – Results CycleSee, Soothe, Separate, Shift framework for thought changeGet InvolvedJoin Mostly Dry January: The Daily Go beyond white-knuckling Dry January. Molly's new daily experience gives you:Real-time behind-the-scenes video check-insA private podcast feed for bite-sized daily mindset coachingWeekly science-backed brain lessonsLive group coachingAccess to a private Facebook community Sign up here: [Insert Link] or visit mollywatts.com/dryjanuaryTake Action This WeekYou don't need to “start over” in January. You can begin noticing and shifting thoughts right now—before the year ends.Ask yourself:Is this a self-compassionate thought?Or is it a permission-giving excuse?What's one small choice I can make today that aligns with who I'm becoming?Low risk drinking guidelines from the NIAAA:Healthy men under 65:No more than 4 drinks in one day and no more than 14 drinks per week.Healthy women (all ages) and healthy men 65 and older:No more than 3 drinks in one day and no more than 7 drinks per week.One drink is defined as 12 ounces of beer, 5 ounces of wine, or 1.5 ounces of 80-proof liquor. So remember that a mixed drink or full glass of wine are probably more than one drink.Abstinence from alcoholAbstinence from alcohol is the best choice for people who take medication(s) that interact with alcohol, have health conditions that could be exacerbated by alcohol (e.g. liver disease), are pregnant or may become pregnant or have had a problem with alcohol or another substance in the past.Benefits of “low-risk” drinkingFollowing these guidelines reduces the risk of health problems such as cancer, liver disease, reduced immunity, ulcers, sleep problems, complications of existing conditions, and more. It also reduces the risk of depression, social problems, and difficulties at school or work. ★ Support this podcast ★

After 450 episodes, the podcast takes a new direction as host Dr. Debi shares the deeply personal story behind the Post Betrayal Transformation® (PBT®) Certification Program—the only research-based program for healing from betrayal using the Five Stages from Betrayal to Breakthrough.  What You'll Learn  The Personal Journey  How childhood betrayal and later spousal betrayal led to a transformative healing journey  The decision to pursue a PhD in Transpersonal Psychology while barely functioning  Discovering the Five Stages of Betrayal Recovery through rigorous research and personal implementation  The vulnerable choice to share this private story to help others heal  The Research Behind PBT  Why there was no deep-dive study on the lived experience of betrayal  How the "Fab 14" women contributed to groundbreaking research  The moment a study chair recognized a documented process in the findings  Moving from theory to proven methodology through personal experience  Physical and Emotional Healing  Understanding Post Betrayal Syndrome®  symptoms and their impact  How healing affects sleep, immune system, weight, and overall wellbeing  Why traditional therapy often keeps people stuck in the same patterns  The difference between staying in Stage 3 (quicksand) versus moving to Stages 4 and 5  The Certification Program  Why teaching coaches and practitioners creates exponential healing  How the certification includes personal healing work before teaching others  Real transformations: new businesses, restored health, rebuilt relationships  The vision of reaching thousands through trained practitioners rather than one-on-one work  Impact on Different Professions  Life Coaches: Helping clients who can't focus or move forward  Business Coaches: Supporting entrepreneurs who can't sell or promote themselves  Health Coaches: Understanding why clients sabotage healthy protocols  Leadership Coaches: Addressing trust issues that lead to micromanaging  Parents: Becoming role models of resilience for their children  Key Takeaways  Betrayal is uniquely traumatic—it shatters trust and creates physical symptoms  Healing is possible through a structured, research-based approach  The Five Stages can shorten decades of pain into a manageable healing journey  Transformation creates access to a version of yourself you didn't have before  Sharing your story, despite vulnerability, can create mass healing  Memorable Quotes  "Get out of the way. Your ego and pride are preventing people from healing."  "This work can shorten someone's pain by decades."  "Stage 3 is quicksand—it's where most people get stuck."  "Nothing was as painful for me as betrayal, and nothing feels better than transforming from it."  Resources Mentioned  PBT®  (Post Betrayal Transformation®) Certification Program  The PBT®  Institute  Previous TEDx talks: "Stop Sabotaging Yourself" and "Do You Have Post Betrayal Syndrome?"  Book: Trust Again  About Post Betrayal Syndrome®  Post Betrayal Syndrome includes symptoms such as:  Sleep disruption and fatigue  Weakened immune system  Weight gain (especially around midsection)  Inability to focus or concentrate  Emotional overwhelm and triggers  Who This Episode Is For  Anyone who has experienced betrayal (family, partner, friend, coworker)  Coaches, therapists, counselors, and practitioners wanting to help betrayal survivors  Health and wellness professionals whose clients are stuck or self-sabotaging  Anyone interested in trauma recovery and transformation  People seeking to turn their pain into purpose  Next Steps  If you're interested in the PBT®  Certification Program or want to learn more about the Five Stages from Betrayal to Breakthrough, visit the PBT®  Institute or reach out with questions and comments. 

In this Healthy Mind, Healthy Life episode, host Charu sits down with Matt Johnson to unpack how hypnosis and neuro-linguistic programming (NLP) can help people clear PTSD, anxiety, emotional baggage, and subconscious programming that keeps life stuck on autopilot. Matt shares his real-life recovery story after a severe brain injury and a PTSD diagnosis, then breaks down why many people don't get lasting results when they only work with the conscious mind. If you're tired of surface-level self-help, this conversation gets straight into practical tools, mindset rewiring, and what real healing looks like when you upgrade the “operating system” running your behaviors, habits, and reactions. About the Guest: Matt Johnson is a hypnosis and NLP specialist who helps people shift subconscious patterns behind anxiety, trauma responses, limiting beliefs, and emotional overwhelm. After years of struggling with PTSD and a brain injury, he built a practical approach to healing by combining hypnosis, NLP, and deep research into subconscious change. Key Takeaways: A brain injury can be amplified by unresolved trauma responses, especially when PTSD keeps the nervous system locked in fight or flight. Matt's turning point came after a SPECT scan showed abnormal brain activity patterns linked to PTSD, not permanent tissue damage. Many people get limited progress when they only use talk therapy or medication, because most change requires working with the subconscious mind. The subconscious can run automatic “programs” that shape habits, stress responses, and relationship reactions without conscious permission. Hypnosis is not mind control. You can accept or reject suggestions at any time, even in deep trance. NLP can create fast shifts by giving emotions a “structure” (color, shape, direction) and then changing that structure intentionally. “You're not broken” is not a quote for the wall. It's a strategy shift from identity blame to pattern change. Early-life imprinting (roughly ages 0–7) can install beliefs that feel like truth, but they are editable with the right tools. Real healing looks like removing the root patterns so the same stress does not keep returning in new forms. If traditional routes are not working, it's logical to diversify approaches and build a roadmap that actually fits you. How Listeners Can Connect with the Guest: Matt Johnson NLP Free course: NLP Mind Magic (includes exercises for anxiety, procrastination, imposter syndrome, and more). Want to be a guest on Healthy Mind, Healthy Life? DM on PM . Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty. storyteller, survivor, wellness advocate. this channel shares powerful podcasts and soul-nurturing conversations on: • Mental Health & Emotional Well-being • Mindfulness & Spiritual Growth • Holistic Healing & Conscious Living • Trauma Recovery & Self-Empowerment With over 4,400+ episodes and 168.4K+ global listeners, join us as we unite voices, break stigma, and build a world where every story matters.

In this episode, the boys reunite for a lively and wide-ranging conversation that covers everything from personal milestones to pop culture debates. The show kicks off with updates on life changes, including a new baby announcement, wedding plans, and the challenges of balancing work, family, and remote life. The group dives into relatable stories about holiday shopping, hair loss journeys, and the joys and struggles of pet ownership. As the discussion unfolds, the hosts share candid thoughts on fitness trends, the realities of testosterone replacement therapy (TRT), and the ongoing debate around "natty" claims in the fitness industry. They also swap stories about sports skills, friendly competitions, and the importance of staying active as life gets busier. Real estate adventures, home renovations, and the quirks of neighborhood living add another layer of humor and insight. The episode wraps up with spirited takes on recent movies, the evolution of special effects, and a playful dive into conspiracy theories and philosophical questions. With plenty of laughs, honest reflections, and a few unexpected tangents, this episode offers a genuine look at friendship, growth, and the everyday moments that make life interesting.

The David Alliance TDAGiantSlayer@gmail.com Garth Heckman Expectations Craig Randall drives a garbage truck in Peabody, Massachusetts. in a garbage container one day, he noticed a Wendy's soft drink cup bearing a contest sticker. Having won a chicken sandwich the week before, Randall checked it, hoping for some french fries or a soft drink. Instead, he peeled a sticker worth $200,000 toward the construction of a new home, reports U.S. News and World Report (11/6/95). What we get out of life depends a lot on what we look for. Are we more likely to see each experience as trash or a potential treasure?     Maybe you've played this game before… Look around and find everything green. Now close your eyes and tell me what is blue. **What are you looking for?     Puppy watching is a life of expectation… is he going to chew my chair, poop on my chair, pee on my chair, jump from my chair… every move he makes is a move of expectation on my part.      Christmas is a time of EXPECTATION  Children expecting… waiting… knowing there will be presents under the tree. I used to get up Christmas morning at 4am!      **have you lost that loving feeling… of expectation       FAITH, HOPE, EXPECTATION Hebrews 11:1 Now faith is the substance of things hoped for, the evidence of things not seen. Faith… you have faith that in the future you will get married and have a family. YOU GET MARRIED: You now hope to have a baby. YOU GET PREGNANT: you are expecting.        There are signs/evidence you are pregnant. **Living in a state of signs… building expectation.  Eager Anticipation of the Future Romans 8:19 (NIV): "For the creation waits in eager expectation for the children of God to be revealed.” FULLY REDEEMED. *(This highlights the intense, longing nature of the anticipation for the final redemption.)   Earnest expectation--A single word in the Greek, and a very striking one. It means, literally, a straining forward with outstretched head, just as we might imagine the crowds outside a race-course straining over the ropes to catch a sight of the runners; an eager, intent expectation. The same word is used once again in the New Testament (Philippians 1:20).   God expects us to expect!  Matthew 7:7 “Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you. 8 For everyone who asks receives, and he who seeks finds, and to him who knocks it will be opened. 9 Or what man is there among you who, if his son asks for bread, will give him a stone? 10 Or if he asks for a fish, will he give him a serpent? 11 If you then, being evil, know how to give good gifts to your children, how much more will your Father who is in heaven give good things to those who ask Him! 12 Therefore, whatever you want men to do to you, do also to them, for this is the Law and the Prophets.   Expectation creates participation… Expectation creates participation in Gods plan Jesus reveals a principle here: If we truly expect God to act for us, we must be willing to let Him act through us.   If I claim to trust God for provision, favor, and breakthrough, but refuse to be a vessel of those same things to others, then I am not operating in expectation—I am operating in self-interest.   If my faith stops at “God, do for me,” but never reaches “God, flow through me,” then I am not trusting God—I am trusting my own control. Real faith doesn't just ask; it allows.   Option 4: Illustrative and Relational The Golden Rule is not just about behavior—it's about belief. If I expect God to respond when I call, I must also be willing to respond when He calls on me. Faith that only receives but never releases isn't faith at all—it's spiritual entitlement. But when I allow God to use me for others, I demonstrate that I truly trust Him to take care of me.     Expectation without participation in Gods plan is not faith.   **Remember whatever you look for you see, you find- and you can enter into - expectation is looking through Gods spirit.     VERSE 12 “For This Is the Law and the Prophets” This is massive. Jesus is saying: The entire Old Testament ethical vision Every command about justice, mercy, love, and holiness …can be summed up in this one relational principle. In other words: If you get this right, you are living out the heart of God's law. This aligns with Jesus' later words: “Love the Lord your God… and love your neighbor as yourself.” (Matt. 22:37–40)

JD Vance says after Charlie Kirk died, he stayed up all night digging into conspiracy theories about what really killed him. Funeral for the Penny. Real or fake Christmas Movie titles? CNN says Trump is old and senile. Jake Paul gets KO'ed, because he finally faced a real boxer. Philip Rivers is a fascinating story. See omnystudio.com/listener for privacy information.

Placing 2nd at Texas Pro. Real talk the whole time, everything you'd want to know, from the deep sht to how they blew up and the juicy deets in between. Honored to know these bros. The Bodybuilding-friendly HRT Clinic - Get professional medical guidance on peptides AND optimizing your health as a man or bodybuilder: [ Pharma Test, IGF1, Tesamorelin, Glutathione, BPC, Semaglutide, Var troche, etc]http://www.transcendcompany.com/nylenaygaRP Hypertrophy Training App: rpstrength.com/nylePlease share this episode if you liked it. To support the podcast, the best cost-free way is to subscribe and please rate the podcast 5* wherever you find your podcasts. Thanks for watching.To be part of any Q&A, follow trensparentpodcast or nylenayga on instagram and watch for Q&A prompts on the story  https://www.instagram.com/trensparentpodcast/Huge Supplements (Protein, Pre, Defend Cycle Support, Utilize GDA, Vital, Astragalus, Citrus Bergamot): https://www.hugesupplements.com/discount/NYLESupport code 'NYLE' 10% off - proceeds go towards upgrading content productionYoungLA Clothes: https://www.youngla.com/discount/nyleCode ‘NYLE' to support the podcastLet's chat about the Podcast:Instagram: https://www.instagram.com/trensparentpodcast/TikTok: https://www.tiktok.com/@transparentpodcastPersonalized Bodybuilding Program:  https://www.nylenaygafitness.com00:00:00Intro 00:02:21The Post-Show Dopamine Crash vs. Prep "Grumpiness"00:02:42Relationship Survival Guide: "The Pre-Emptive Apology"00:04:31Reading Cortisol: Why "Low" Can Be Worse Than "High"00:05:12Adrenal Burnout Protocol: "Baby Sessions" & No Cardio00:06:52Elliot's Pro Debut: Navigating the "Growing Pains"00:07:29The "Food Noise" Reality: When One Donut Turns into Four00:08:03Retatrutide ("Retta"): The 2mg Protocol for Appetite Control00:09:19Flashback: The Misery of the 1100-Calorie Natty Prep00:12:14The Cult Following of the Unranked Podcast00:14:41The Origin Story of the "Unranked" Name00:16:19The Great Debate: Health Phase vs. Aggressive Rebound00:18:43The Burnout Checklist: When to Abort the Rebound00:20:10Metabolic Adaptation: When the Body Stops Responding00:23:29Methylation Hacks: Methyl Folate & The MTHFR Mutation00:25:31The "Mic Check" Comedy Segment00:28:05Andrew's Origin: The Magazine Era (1996)00:33:58Kyle's Origin: The Mentorship Era (2014)00:37:54Joining the "Dark Side" at Age 10? (Andrew's Story)00:39:57Andrew's First Cycle: The "Tren & D-Bol" Kitchen Sink00:42:00Kyle's First Cycle: Pro-Hormones & Peer Pressure00:43:19The "Mad Scientist": Snorting Andro at Age 1400:45:10The Golden Rule: Wait Until 25 (Or 30)00:47:09The "Natty Ceiling": Switching to the Dark Side (Chris's Story)00:49:58The Halo-Only Nightmare: A Lesson in Hormonal Crashing00:56:27Financial Advice for Young Pros: Freeze Your Sperm01:03:16Training Mistakes: The "Two-a-Day" Trap01:06:57The Meadows Hack: Binge Until You're Sick01:10:54The "Dreamer Bulk" Mistake: Fat Doesn't Turn to Muscle01:13:00The Secret to Rebounding: Stay "Hungry" & Insulin Sensitive01:21:38Executing the Health Phase: Diet & Training Adjustments01:26:47The "Zero Carb" Depletion Experiment (Martin's Protocol)01:35:19Peak Week Orals: Managing Winstrol & Digestion Issues01:40:52The "Detox Week" Protocol: No Training, Med Diet01:44:11Setting the Cap: Max Weight Gain Post-Show (10-15%)01:49:49The "Soft Landing": Using Primo/Proviron to Bridge01:51:25The "No-Go" List: DNP & Dangerous Diuretics01:

Stand strong, patriots—@intheMatrixxx holds down the fort solo while @shadygrooove hits the road in Mississippi, diving straight into Season 7, Episode 242, “No Apologies: JD Vance, Tulsi Gabbard & Nicki Minaj at AmFest.” Jeff breaks down the electric moments from Turning Point USA's AmericaFest 2025 in Phoenix, where Vice President JD Vance declared America a Christian nation, rejected purity tests, and fired up the crowd with unapologetic pride in our heritage. DNI Tulsi Gabbard exposed radical Islamist ideology as the greatest threat to freedom, while surprise guest Nicki Minaj electrified thousands praising Trump and Vance, defending persecuted Christians worldwide, and slamming establishment failures. Real-time reactions and sharp analysis question mainstream spin on these powerhouse speeches that united patriots without compromise. The truth is learned, never told—the Constitution is your weapon—tune in at noon-0-five Eastern LIVE to stand with Trump! Trump, JD Vance, Tulsi Gabbard, Nicki Minaj, AmFest, AmericaFest 2025, Turning Point USA, America First, Christian nation, Islamist ideology, MG Show, @intheMatrixxx, @shadygrooove, patriotism, freedom mgshow_s7e242_no_apologies_jd_vance_tulsi_gabbard_nicki_minaj_amfest Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Follow us on YouTube: MG Show (intheMatrixxx) https://youtube.com/c/inthematrixxx ShadyGrooove https://www.youtube.com/c/TruthForFreedom Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow Intermission Music Lemurian Shores (with Lucentia) (~432 Hz) by Spheriá | https://soundcloud.com/spheriamusic Music promoted by https://www.chosic.com/free-music/all/ Creative Commons CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/

Stupid News 12-22-2025 6am …The sent the Bomb Squad out for a Box off Christmas Cards …The Movement to Crack Down on Jetway Jesus …The Santa Fetish is Real

From Immigrant Pianist to Education Empire: Oksana's Unbelievable Journey

The Engagement Engine is a visual framework that helps you design a business built around your strengths, your energy, and your people.Instead of copying scripts, chasing trends, or forcing yourself into systems you hate, Matt and Garrett break down how to design the right mix of engagement for YOU—one that creates momentum without burnout.In this episode, they cover how to:Identify which engagement activities actually move your business forwardBalance scalable outreach with high-impact personal connectionSet clear standards instead of vague goalsBuild consistent momentum without burning yourself outWhether it's email, texts, phone calls, events, or face-to-face conversations, this episode shows how each form of engagement plays a role—and how to combine them into a system that actually works.