Podcasts about Real

What if your next real estate distribution arrived not by wire or ACH, but as a digital dollar? That future may be closer than you think. In this episode of REady2Scale, Jeannette Friedrich breaks down the newly passed Genius Act and what it could mean for real estate investors. From stablecoin basics to real-world adoption, you'll learn how this legislation could reshape payment flows, transaction speed, and the way we think about capital in real estate. Key takeaways: What stablecoins are and why they are different from traditional crypto tokens Overview of the Genius Act signed into law in July 2025 and what it regulates Why the law forbids yield on stablecoins and how that protects banks, consumers, and the Fed's monetary policy How stablecoins could streamline real estate investing through faster settlement, lower fees, and smart contract automation Real-world examples of tokenized rental payments and distributions already in use Risks and limitations, including regulatory hurdles and accounting uncertainty Questions to ask your sponsor, including how digital payments may appear in offering documents or subscription agreements Whether you are a passive LP or an active investor, understanding the digital rails of tomorrow's capital flow is becoming more relevant by the day. Timestamps 00:00 Introduction to Stable Coins in Real Estate 00:47 Understanding Stable Coins 01:48 The Genius Act Explained 04:58 Impact on Real Estate Investments 06:01 Current Adoption and Future Prospects 07:01 Challenges and Recommendations Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Do you embrace the fear that comes with chasing bigger goals, or do you let it hold you back? In this episode, Dan Sullivan and Shannon Waller explore why excitement and fear are inseparable for ambitious entrepreneurs—and how reframing fear as fuel, not a foe, is the key to lifelong growth and fulfillment. Here's some of what you'll learn in this episode:The specific types of fear entrepreneurs experience when pursuing big goals.How Dan experiences both fear and excitement with a current project.The two things that entrepreneurs can do with their fear.Why status-seeking entrepreneurs eventually lose their ambition.The cost of eliminating fear from your future. Show Notes: Growth is like a coin with two sides: excitement and fear. Entrepreneurs need to normalize fear as a regular part of their journey. Committing to a bigger future goal naturally brings up fear about whether you can achieve it. Real growth requires pursuing something more exciting—and more challenging—than what you've done before. Many people lose their ambition because they're stopped by the fear that comes with it. Entrepreneurs are driven to ensure their future is bigger than their past. Status-seeking entrepreneurs focus on external markers of success while growth-oriented entrepreneurs measure success internally, by their own progress. It takes courage for entrepreneurs to keep moving. Expect failure along the way—it's part of the growth process. For growth-minded entrepreneurs, fear isn't a necessary evil; it's a necessary resource. Stopping growth means losing the new capabilities that come with it. When you stop growing, you may feel uneasy about others who continue to grow. For status-seekers, ambition is a destination; for growth-seekers, it's a capability to develop. Growth-oriented entrepreneurs compare themselves only to who they used to be, not to others.  Resources: The 4 C's Formula by Dan Sullivan

In this powerful and vulnerable episode of Made for Impact, Petia Kolibova Burns opens her heart to share a transformational moment during church worship that redefined what it truly means to give your children—and your family—a better life. For years, Petia chased worldly success: international retreats, bestselling books, sold-out events, paid speaking gigs, and podcast growth. But standing in worship, she realized none of it compared to the generational change brought by her walk with Jesus. This episode will challenge and inspire you to: - Reflect on what “a better life” means for you and your family - Break free from hustle culture and redefine success through presence and peace - Recognize how healing past wounds can transform future generations - Understand the power of legacy, faith, and motherhood in creating impact Whether you're a mother, daughter, businesswoman, or all of the above—this episode is for every woman who wants to live with purpose, impact others, and walk in God's calling.

This conversation blew me away. Daniel Tolson is a three-time Australian wakeboarding champion who started his coaching business in his grandmother's spare bedroom. And here's the kicker. The dude doesn't even own a car. Takes yellow taxis everywhere because he'd rather spend quality time with his family than lose hours driving. We went deep on authenticity versus fake flexing. You know those coaches posting selfies in front of Lamborghinis they don't own? Daniel's the complete opposite. When he started coaching he could only afford to catch the bus. All his money went into educating himself. Retooling like any good builder would. And he was honest about it with his clients. Drove his mom's car and didn't hide it. This episode is about authenticity. Real success versus fake success. Building something meaningful instead of just looking successful. Daniel's living proof that you can impact million-dollar businesses without owning a single luxury item. Because real leaders don't need props to prove their worth.We Meet:Connect:Connect with Rick: https://linktr.ee/mrrickjordanConnect with Daniel: https://danieltolson.com/ Subscribe & Review to ALL IN with Rick Jordan on YouTube: https://www.youtube.com/c/RickJordanALLINAbout Daniel: As a child, I had Linear sequential learning disability. I was a slow learner. I had a curved spine. My hips were out of alignment. I couldn't run. My knees would collapse when I was running. This physical defect created pressure in my head, I was losing my vision. I couldn't think properly. I was in so much pain physically. In the end, my body collapsed under this tremendous stress, I developed chronic fatigue syndrome and contracted Epstein Barr virus and I had to drop out of school. When I recovered my uncle took me under his wing and showed me the blueprint of how to become the top 10% in real estate. I took that blueprint, overcompensated with actions, became the top 1% performer, and bought my first home at the age of 19. But I dreamt of becoming an Australian champion wakeboarder. So, I gave up the real estate career to pursue my dream. I had a lot of challenges. To overcome the fear and achieve my goal, I spent a lot of time and energy on personal development, learning how to systematically and methodically break barriers to achieve goals. Eventually, I became the Australian Wakeboarder Champion, not once, but three times. That experience of creating my breakthrough and sustaining it set me up for a series of career highs, such as co-leading 17000 cabin crews, launching my own business, and building a global business that impacts more than 15,000 business people 100X their life and income. I'm sure your success has not come easily. What challenges have you had to overcome along the way? In 2010, at the peak of my career, my wife was involved in an aircraft accident. It left her with some disabilities requiring multiple surgeries over the next 2.5 years. Eventually, she lost her job and was forced to leave the country. I left the job to join her back home to take care of her. But 10 months and 500 job applications later, I was jobless. We were living with my grandmother, depending on Australian social security payments. It was the lowest point of my life. I was desperate. And I knew if I want to be a man who provides for my family, things must change. I pulled myself together, used every tool and technology I have in my toolbox, got clarity on life, and launched my coaching business from my grandmother's spare bedroom. I wish I could say life was happy ever after. But no, success never comes on the first attempt. Richard Branson launched 400 companies before founding Virgin galactic. Steven Spielberg was rejected by Film School 3 times. I was betrayed by a business partner. I had to move countries several times. I was broke three times in 3 different countries and had to start all over again. These experiences have become the foundation of my 100XDNA. It has 100X-ed my life.

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   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  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

If you're chasing your dreams but still feel stuck, THIS is the episode you didn't know you needed.In this powerful transmission, Henry Lawrence breaks down the REAL reason your manifestations haven't landed yet — and it's not what you think. You'll discover the missing link that no vision board or goal planner can fix: your internal frequency.This episode is your soul's wake-up call to stop chasing and start becoming. Learn how to activate your highest self every morning, align your energy with the life you actually want, and attract success, love, health, and abundance from within.⚡ Guided breathwork at the end to lock in your new vibration.⚡ Tactical morning alignment routine that rewires your reality.⚡ The mindset shift that makes “coincidences” your new normal.This isn't motivation. It's your mission. And it starts now.Listen till the end — your next level is waiting.- Henry----Social Media⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Say hi on TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Say Hi on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join THE SHIFT!! (Free community )⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email List⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today, growing awareness reveals that many chronic health issues actually begin in the gut—even as early as birth. From immunity and mood to metabolism, skin, and hormones, gut health plays a vital role in our overall wellness. In this episode, Sue Becker speaks with Madaline Loft, founder of Begin Health, to explore the powerful connection between the gut and lifelong health. Links: Begin Baby Prebiotic + Probiotic for 0-12 months: https://bit.ly/beginbaby0-12 Begin Baby Growing Up Prebiotics: https://bit.ly/beginhealthgrowingupprebio Begin Baby Probiotics Family Size: https://bit.ly/growingupprebiofamily Light Years Ahead Prebiotic and Probiotic Superfood: https://bit.ly/lightyearsaheadprobiotic Listen to episode 9 of SHM - The Army Within Us: https://breadbeckers.libsyn.com/09-the-army-within-us-0 Visit Begin Health at https://www.beginhealth.com/ Follow on Instagram @begin.health 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. Learn more about baking with freshly-milled flour with The Essential Home-Ground Flour Book, by Sue Becker, https://bit.ly/essentialhomegroundflourbook. If you have an It's the Bread Story that you'd like to share, email us at podcast@breadbeckers.com. We'd love to hear from you! 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. #beginhealth #guthealth #mentalhealth #stress #skinissues #metabolism #mood #hormonehealth #constipation #gutbrainconnection #gutmicrobiome #probiotics #prebiiotics

Justin Workman and I sit down with Detroit investor and entrepreneur Ramond Harris at the Midwest Real Estate Investor Conference for our fifth annual update. Ramond shares his journey from running FedEx delivery routes to acquiring and scaling a commercial painting business, VR Quality Painting, specializing in apartment renovations and interior construction. Key topics include: How networking at the conference led to pivotal business connections, including meeting his current lawyer and business partners. Lessons learned from exiting the FedEx delivery business, including managing truck assets and navigating contract negotiations. The transition to commercial painting and construction, with a focus on apartment complexes and building relationships with general contractors and property managers. The importance of sales, estimating, and team structure in growing a service business. Strategies for leveraging minority business certifications (DBE/MBE) to win government and university contracts. Real-world advice on bidding, pricing, and the challenges of scaling a trades-based company. If you're interested in commercial painting, apartment renovations, or learning how to pivot and grow in the real estate and construction industries, this episode is packed with actionable insights and candid stories. Contact Ramond Harris: VR Quality Painting (soon to be VR Construction & Painting) Email: ramond.harris@yahoo.com Phone: (734) 891-7954 Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com

What you ignore now could cost you later. In this episode, Kevin and Alan break down what truly makes or breaks a relationship. Drawing from years of coaching experience, they share honest stories, practical advice, and a message that might just change the way you see your partnership. It's real, it's relatable, and it's worth the listen.Learn more about:

This month, Instagram dropped a game-changing update: your content can now appear directly in Google search results. What does that mean for your small business?More visibilityA longer shelf life for your postsAnd a brand-new, organic traffic channel that doesn't rely on the algorithm alone.I'm walking you through why this matters, how to take advantage of it right now, and five practical steps to fully optimize your Instagram for search, including how to find your best keywords, where to put them, and why speaking your dream client's language is critical. Plus, you'll learn why this shift is about so much more than hashtags… and how it can help you finally build visibility that compounds over time (not just for 24 hours).What You'll Learn:[02:41] Why your content can finally show up in Google (and why it matters) [05:04] The simple setting you must toggle on to get indexed [08:52] Three big reasons this is a massive win for small businesses [14:11] What keywords actually are and how to find yours [20:21] How Instagram's algorithm now reads captions, voiceovers, and text on screen [23:55] Real-world example: turning vague “elevated modern bride” messaging into SEO gold [25:53] Five key places to put your keywords (and what not to do) [29:34] Why this makes Instagram more like Pinterest, YouTube, and blogs (and why that's awesome) [30:00] How I support clients in implementing this inside Hot Reels, my 12-month content labKey Takeaways:Instagram isn't just an app anymore. Your content can now show up in Google, reaching people who aren't even on Instagram.Keywords = the phrases your dream clients actually type into Google (think “Hollywood waves Denver” vs. “elevated modern bride”).Use your keywords strategically in your name field, captions, hashtags, text on reels, and even alt text.Instagram's algorithm has evolved: it now “reads” captions, on-screen text, and even your voiceovers to decide who sees your posts.People who find you via Google search have higher intent, they're actively looking for the solution you offer.This isn't just about visibility. It's about turning traffic into sales. Your sales funnel, DM automations, and optimized bio all matter.Links + Resources Mentioned:Get the free Instagram Visibility Jumpstart Kit or DM me KIT on InstagramJoin the Hot Reels waitlist for early access & bonuses: DM HOT or visit ElizabethMarberry.com/hot CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

What if God actually celebrates the small, seemingly insignificant beginnings in our lives? Drawing from Zechariah 4:10, this episode explores how God rejoices to see the work begin, even when the world overlooks our humble first steps.In a culture obsessed with overnight success and viral moments, many Christian men feel their quiet faithfulness doesn't measure up. We've been conditioned to chase big results and quick wins, but Scripture reveals a different perspective. God celebrates those initial acts of obedience that nobody else notices – the foundation-laying moments that precede any visible success.Ready to stop drifting and lead with clarity, conviction, and brotherhood? Our Leadership Mastermind groups launch this July—just 7 men per group. Real discipleship. Real accountability. This isn't for everyone—but if you're ready to be sharpened, we want to hear from you. Step into the man God's called you to be. Your next level starts now. Apply here with our Leadership Mastermind Interest Form We're going live every weekday with our Daily Spiritual Kickoff—free and exclusive inside our community. Join us for a powerful Word, real encouragement, and practical ways to lead with faith at home and work. No cost. No excuses. Just truth, brotherhood, and bold leadership. Claim your free access now 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.

In this powerful and practical conversation, Dr. Debi Silber welcomes her personal attorney and legal expert Lisa Fraley to explore the often-overlooked world of workplace and entrepreneurial betrayal. Whether you've been undermined by a boss, copied by a competitor, or blindsided by a client chargeback, this episode unpacks the emotional and legal complexities of betrayal in business.  Lisa shares real-world stories from her legal career, including the hidden emotional wounds behind corporate conflict and the most common legal mistakes entrepreneurs make—especially when it comes to refunds, stolen content, and broken agreements. You'll learn how to protect yourself with compassion and clarity using strong contracts, clear boundaries, and emotionally intelligent legal strategy.  WHAT YOU'LL LEARN:  How betrayal shows up in corporate settings (and why it's often ignored)  Real-life examples of workplace betrayal—and how they silently erode trust and confidence  Why many entrepreneurs get blindsided by refunds, chargebacks, or stolen content  What to include in your client agreement to protect your income and intellectual property  Why kindness and compassion can be effective legal strategies when handling conflict  How often you should review your agreements—and why outdated documents can cost you  Why legal documents are not just protection—but energetic boundaries, too  A step-by-step guide for how to respond when someone doesn't pay or copies your work  RESOURCE MENTIONED: 

In this episode of the TestGuild Automation Podcast, I'm joined by Don Jackson, Director of Product Marketing at Perforce, to explore a bold new frontier in automation testing: true agentic AI. We unpack the groundbreaking tech behind Perfecto's latest release and what it means to test smarter, faster, and with zero hassle. Don shares how this new form of automation, powered by natural language, computer vision, and LLMs, lets you test like a human but with the speed of AI. No scripts. No frameworks. No brittle locators. Just plain-language instructions that drive real user-experience testing at runtime. You'll learn: What "agentic AI" really means and how it goes beyond traditional test automation How to run intelligent UI tests across devices without writing a single script Why this approach could finally bring automation to business testers and non-coders Real-world use cases, from validating stock charts and UI branding to exploratory testing at scale What to watch out for: prompting quality, performance tradeoffs, and trust Whether you're a skeptical scripter or just tired of flaky UI tests, this conversation will challenge how you think about automation—and show you what's now possible. Want to see it in action? Join the upcoming live demo webinar with Don and Perfecto's head of product: Perfecto AI in Action – Register Here https://testguild.me/donperrfecto

EP 207: We are talking to our good buddy Mike Fennell about traditional competition archery, and a little bit about everything else! Enjoy!  IF YOU WANT TO SUPPORT THE SHOW, CHECK OUT OUR PATREON! The Whitetail Distraction Podcast is creating Podcasts and Videos | Patreon   If you want some badass broadheads, head over to https://www.viparchery.com or give Matt and Cindy Futtere a call and tell them the Whitetail Distraction Podcast boys sent you. They are truly some of the best people in the business! The new Combat Veteran will cause major damage to the intended target as combat veterans are trained to do! They also have a brand-new line of products ranging from inserts to broadheads. One of the best seed companies in the game has agreed to offer 10% off! Go check out Back Forty Seed Co. and use code DISTRACTION10. https://backfortyseedco.com Our newest partner on the show - check out their full lineup of products at www.vparchery.com use discount code WDP for 10% off or the new project at www.50forged.com Skre Gear is back!! You know the routine, high quality products with a lifetime warranty at an affordable cost! Check their growing lineup at www.skregear.com Like this episode? Head over to iTunes and give us a 5 star rating and leave a review. Not hearing what you like, or just simply have suggestions? Send us an email at TheWhitetailDistractionPodcast@gmail.com   Also, check us out on Facebook, Instagram, and YouTube @TheWhitetailDistractionPodcast, Twitter @TheWDPodcast and TikTok @TheWhitetailDistraction. The Distraction is Real!

What if the life you're living now… is the reason your future self is screaming, “WTF are you doing?!”In this raw, real, and fired-up episode, Slayer takes you on a walk down both sides of the fork in the road — the path where nothing changes (aka the soul-crushing same-old), and the one where you finally say yes to becoming your future self.You'll learn:

Head to Mistyjayne.com for more Master your Mess infoStylists—ready to raise your prices, leave the salon, or step into something new, but outside opinions are getting loud? In this episode, Misty Jayne shares how to quiet the noise, trust your gut, and move forward—even when others don't get it.You'll hear:✨ Real stories from Misty's career and money journey

Welcome back to The Superhumanize Podcast. I am so deeply honored to have you with me today for a conversation that is close to the very core of what it means to be human.My guest is Dr. Hsien Seow, Canada Research Chair in Palliative Care and Health System Innovation, Professor at McMaster University, and one of the foremost voices reimagining how we approach serious illness and end-of-life care. His work transcends the medical system, inviting us to see palliative care not as surrender, but as a path to reclaiming agency, dignity, and meaning, even, and perhaps especially, in life's most vulnerable chapters.Dr. Seow's book, Hope for the Best, Plan for the Rest, co-authored with Dr. Samantha Winemaker, is a guide to navigating life-changing diagnoses with clarity, courage, and grace. It offers seven keys to transform the illness journey from one of fear and disempowerment to one of hope and preparedness.In today's conversation, we explore the paradigm shifts needed in healthcare, the deeper truths mortality can teach us about life, and how we can each become active architects of our own experience, even when the path ahead feels out of our control.This episode is about much more than palliative care. It is about what it means to live fully awake to our finite nature, and to love, decide, and be present with the preciousness of this human life.Episode Highlights:02:30 – Realizing a disconnect: the moment Hsien noticed future doctors weren't trained to talk about dying, sparking his mission to change the system.04:00 – What palliative care really means: an approach that centers on the full human experience—emotional, spiritual, social—not just medical intervention.06:30 – Why timing matters: most people meet palliative care too late. Hsien and his colleague Dr. Sammy Winemaker push for earlier integration.07:15 – The key concept: “Hope for the best, plan for the rest” — balancing optimism with informed planning.08:30 – Reclaiming power from the medical system: how patients and families can move from passive to activated roles.10:00 – “Zooming out” to see the big picture: why asking what stage you're in is essential to living fully.12:15 – How to move from silence to agency: the role of courageous conversations in healing.14:45 – The ripple effect: illness doesn't just affect the patient—it shapes families and communities.16:30 – Family dynamics and understanding: how knowing someone's coping style reduces conflict and increases compassion.20:00 – What to do when the patient avoids discussion: using gentle invitations instead of confrontations.25:00 – Real-life application: how Hsien's own family used these principles to navigate care with love and tact.27:30 – Cultural myths and medical systems: how we've lost the communal experience of dying and what needs to change.30:15 – Reframing grief and loss: learning from everyday changes how to prepare for bigger transitions.32:30 – Dying as sacred: honoring diversity in spiritual beliefs and values through customized care.34:45 – The invisible load: recognizing and supporting family caregivers before burnout sets in.38:30 – Revisiting roles and expectations: how adaptability sustains families through long-term illness.40:00 – Everyday palliative care: acts of love like cooking, walking a pet, or simply being present.42:00 – Customize your order: bringing your whole self—values, beliefs, and personality—into your care.44:30 – One key question: “What do I need to know about you to give you the best...

Martha is back in Oklahoma and the heat is REAL! There are three great books to explore this week to make up for it. Sirens by Emilia Hart Vitaleriam by Nicholas Casbarro I'm not who you think I am by Eric Rickstad

Neoborn Caveman shares thoughts on life's challenges, from conformity and compliance to urban living and historical events, looks at vaccine history including the Cutter Incident and lab-made viruses, and highlights rural choices over city dependence. The episode features Big Sexy's song "Michigan".Support the show on Patreon: https://www.patreon.com/TheNeobornCavemanShowEpisode DescriptionIn this episode of The Neoborn Caveman Show, host Neoborn Caveman opens with a welcome to gracious living in a world of challenges and technofeudal influences. He shares his quote: "Conformity kills the soul, and compliance kills the body," supported by historical examples. With green tea in hand, he talks about weather conditioning, glass ceilings, and hopes for heaven on earth through mutual respect and simple rural life with local resources.Neoborn questions urbanized areas as sources of harmful emissions and control, noting that 75% of people live there. He shares his choice to raise children away from cities, avoiding alcohol, smoking, drugs, and fake food for a healthier imprint. Reflecting on past love for New York and London, he now prefers to stay away.The discussion covers old articles on lab-made polio viruses from 2002, using internet recipes and mail-order DNA, funded by DARPA. He questions bioterrorism fears and mentions the 1955 Cutter Incident, where defective vaccines affected 200,000 children. NC connects this to broader oversight, compensation programs, and views on vaccines, favoring sanitation and moral living over widespread use.He also promotes Christian values, one-partner ideals, and checks for health in relationships. Neoborn Caveman's Canada's Mirage and The Digital Trap, available on Amazon.The episode includes Big Sexy, an international band, with their song "Michigan" from the album My Temporary Silence.Key TakeawaysConformity and compliance harm the soul and body, as per Neoborn's quote, with historical proof.Urban living contributes to most harmful emissions; rural life with local resources offers a better alternative.Lab-made viruses, like the 2002 polio recreation funded by DARPA, raise questions about true bioterrorism sources.The 1955 Cutter Incident showed defective vaccines causing widespread harm, leading to federal regulations and compensation programs.Favor sanitation, moral choices, and limited dependence over vaccines for everything; urban conditions accelerate diseases.Support independent thinking, avoid fake food and vices, and choose partners carefully for health.Featured music: Big Sexy's "Michigan" brings authentic American emotions and stories.Soundbites"Conformity kills the soul, and compliance kills the body." – Neoborn's quote on obedience effects."What is murdering the planet is not CO2... it's urbanized life—75% of humanity there, creating emissions for convenience." – On city impacts."Scientists made an infectious poliovirus from scratch... funded by DARPA. Bioterrorists? Or our own labs?" – On lab viruses."The Cutter Incident: 200,000 kids vaccinated, 40,000 paralyzed, 10 dead. And they call it 'oversight'?" – Historical vaccine event."Big Sexy's 'Michigan'—American vibe, a story to feel, with Eagles notes. Real music!" – On the featured song.Humanity centered satirical takes on the world & news + music - with a marble mouthed host.Free speech marinated in comedy.Supporting Purple Rabbits. Hosted on Acast. See acast.com/privacy for more information.

If you've ever felt like no one truly understands your migraines, you're not imagining it.  Over 75% of adults don't experience migraines, which means most people have no idea what it's like to live with this kind of pain, fear, and frustration. I'm sharing why community was the turning point in my healing, and why it's at the core of the 98% success rate we see in the Freedom From Migraines Method®. If you've been doing “all the right things” but still feel stuck, this episode will help you understand why connection, support, and being seen by people who get it might just be the missing piece in your healing.   In this episode, you'll learn: Why migraine healing isn't just about pills, food lists, or solo research How the Freedom From Migraines Method® community supports deeper, more sustainable results The powerful impact of sharing wins and struggles with others on a similar path Real-life success stories from women in the program—like Laura, Tina, Natalie, and Elizabeth Why connection is not optional when healing from something as complex as chronic pain Resources:  Join the Workshop: Dump Your Discomfort Discover the gut-migraine connection in this free 4-day workshop and learn how your poop holds clues to lasting relief. Freedom From Migraines Method® Membership Get ongoing expert support, education, and step-by-step guidance to help you eliminate migraines at the root cause.  Women's Migraine Freedom™ Group New to this journey? Start here. Join our free community of women who truly get it, and are walking the path to pain-free living with you.   Connect with Debbie:  Instagram: https://urlgeni.us/instagram/migrainefree Women's Migraine Freedom™ Facebook Group: https://urlgeni.us/facebook/Womensmigrainefreedom LinkedIn: https://urlgeni.us/linkedin/debbiewaidl Website: https://debbiewaidl.com/   Disclaimer: The Migraine Freedom™ Your Way Podcast and information provided by Debbie Waidl and guests in this podcast is presented solely to provide helpful information, education, and entertainment on the subjects discussed. The use of information or resources mentioned on or linked from this podcast is at the user's own risk and discretion. This podcast is not intended to diagnose or treat any medical condition. For diagnosis or treatment of any medical problem, consult your own physician. Debbie Waidl and In The Balance Health Coaching LLC are not responsible for any medical conditions or liable for any damages or negative consequences from any treatment, action, application, or preparation to any person reading or following the information presented on this podcast. References are provided for informational purposes only and do not constitute an endorsement of any websites or other sources. 

This week Devo is finally digging in, weeding through all the lies, and getting to the bottom of the REAL important issues... like the return of the long-awaited Horrible Movie Review segment! Meanwhile, Jesse Welles is having trouble locating the list, Operation Mincemeat would like to introduce you to a very special boy, and the great Luke Ski takes patriotism up a notch or two. 1. "The List" by Jesse Welles 2. Horrible Movie Review: The Dead Don't Die 3. "Tom Cruise the Musical" by Operation Mincemeat 4. News of the Stupid! 5. "God Bless Stephen Colbert" by the great Luke Ski Jesse Welles is at JesseWelles.com Operation Mincemeat is at OperationBroadway.com the great Luke Ski is at thegreatLukeSki.com Thank you to our Patreon backers for making this show possible!!!

Ever wondered why it's so hard to get people to care about cybersecurity before disaster strikes? Joshua Wathen has a theory—and it might sound familiar to anyone who's tried to convince someone to buy insurance.In this conversation with Cam and Otis (plus a surprise appearance from thunder rolling in the Houston sky), Joshua shares his journey from Special Forces Weapons Sergeant to COO of Triad Info Sec. "We are of service to the people that are our customers, to each other, to our families," he explains, revealing the core value that drives his approach to both team building and cybersecurity.From his practical approach to hiring (where he roots out BS during interviews) to his spot-on comparison between cybersecurity and gun ownership ("if you don't understand it, you're not likely to invest in it until you get mugged"), Joshua offers refreshingly straightforward insights about protection in the digital age.Whether you're building a team, running a business, or just trying to figure out if your company needs better digital security, Joshua's blend of military precision and entrepreneurial wisdom offers a perspective you won't want to miss.More About Josh:I am Joshua Wathen, the Chief Operations Officer of Triad Info Sec, the owner of Dux Fortis Consulting and a member of the Board of Advisors for Owners In Honor.  I have chosen to help build these entities because they are Veteran Owned and help others with service and security, both physically and digitally.  My work is not a necessity at this point in my life. It is a calling. I am a US Army veteran and hold qualifications as a Special Forces Weapons Sergeant, a Special Operations Combat Medic, and an Airborne Infantryman. In that time, I learned that shiny medals are awarded for dark days done well, that people are more important than equipment, and most importantly, that your values are what make you who you are. Since leaving the military, I have become a serial entrepreneur, a husband, and a father.  I have built several businesses in different industries and helped grow many different veteran service organizations ranging from PTSD treatment to business development for transitioning veterans.  My value to any organization is that I am a team builder and a super connector.  There is nothing more powerful than putting driven, capable, and like-minded people in a room with a problem to solve.#10xYourTeam #CybersecurityMindset #FromSpecialForcesToCyberForce #ServiceOverSelf #DigitalDefenseDoneRight #TeamBeforeTech #HardTruthsSoftSkills #CyberPreparedNotScared #MissionDrivenLeadership #SecureYourFuture #EntrepreneurWithPurposeChapter Times and Titles:The Quiet Professional (With Thunder) [00:00 - 03:58]Introduction to Joshua WathenHouston storms making their presence knownInitial banter and setupFrom "Helping a Buddy" to Full Partnership [03:58 - 14:34]Joshua's journey into Triad Info SecThe progression from consultant to partnerBuilding on veteran connections"We Are of Service" [14:34 - 25:00]Defining the core cultural valueHow Joshua roots out cultural mismatches in interviewsBuilding teams that put others firstThe Cybersecurity Challenge [25:00 - 35:00]Why most people don't care about digital protectionThe "bag of dirt" approach to winning warsMaking technical concepts accessibleWhen Monday Comes and Everything's Frozen [35:00 - 47:45]Real stories of companies being hackedThe aftermath of ransomware attacksWhy prevention matters more than recoveryThe Second Amendment Parallel [47:45 - 55:00]"It's very similar to the gun culture"Why people don't invest until after they're victimsBuilding awareness before disaster strikesResources and Closing [55:00 - End]Joshua as the "informal concierge for veteran everything."How to connect

▶️ Start your FREE 7-day trial here → www.skool.com/rebootyourlife   You love God… You read the Bible… You want to live with purpose and purity…   But late at night, when no one's watching — you're still losing the battle with porn.   In this powerful episode, Coach Frank Rich calls out the hidden struggle of Christian men who can't reconcile their faith with their addiction. This isn't just about lust. It's not just sin. It's slavery. And no amount of willpower, guilt, or prayer alone will break those chains.   Frank breaks down the truth most churches won't tell you:

Getting rates, which are tentative on exam.  Whole life insurance with dividends.  Medicare Supplement Premiums.  The effect of inflation on rates.  Plan G comparisons.  Real life example - Canyon Country couple.

This week's show, after a Sons of the Pioneers swoon: brand new Springhouse, Bob Mould, Miki Berenyi Trio, Ron Sexsmith, Chris Stamey, Lake Ruth, and Dauber, plus Chan Romero, Billy Fury, Fever Tree, Chambers Brothers, Tex Ritter, Sons of the Pioneers,...

Did you know that high fructose corn syrup, a sweetener found in everything from soda to salad dressing, has been linked to obesity, diabetes, and inflammation? In this episode, I explore a surprising claim by Donald Trump that Coca Cola may switch from high fructose corn syrup to cane sugar—and use this as a springboard to explore the health concerns around high fructose corn syrup. I break down what it is, why it's used so widely in processed foods, and the many health risks it poses, from obesity and diabetes to inflammation and high blood pressure. I even share a patient story that highlights its real-life impact. While cane sugar isn't a healthy food either, it may have fewer metabolic downsides. Regardless of whether Coca Cola makes the switch, I emphasize the power we have to read labels, reduce added sugar, choose more whole foods, and make smarter decisions for our health. Tune in to learn how cutting back on hidden sugars like high fructose corn syrup can transform your health and energy!   Episode Highlights: Trump's claim about Coca Cola switching to cane sugar What high fructose corn syrup is and why it's widely used Health risks linked to high fructose corn syrup Real-life patient story on soda and high blood pressure Differences between cane sugar and high fructose corn syrup Practical tips for reducing added sugar in your diet Connect with Dr. Alicia Shelly: Website | drshellymd.com Facebook | www.facebook.com/drshellymd Instagram | @drshellymd Linked In | www.linkedin.com/in/drshellymd Twitter | @drshellymd About Dr. Alicia Shelly Dr. Alicia Shelly was raised in Atlanta, GA. She received her Doctorate of Medicine from Case Western Reserve University School of Medicine in Cleveland, OH.  Dr. Shelly has been practicing Primary Care and Obesity medicine since 2014.  In 2017, she became a Diplomat of the American Board of Obesity Medicine. She is the lead physician at the Wellstar Medical Center Douglasville. She started a weekly podcast & Youtube channel entitled Back on Track: Achieving Healthy Weight loss,  where she discusses how to get on track and stay on track with your weight loss journey. She has spoken for numerous local and national organizations, including the Obesity Medicine Association, and the Georgia Chapter of the American Society of Metabolic and Bariatric Surgeons. She has been featured on CNN, Fox 5 News, Bruce St. James Radio show, Upscale magazine, and Shape.com. She was named an honoree of the 2021 Atlanta Business Chronicle's 40 under 40 award. She also is a collaborating author for the, “Made for More: Physician Entrepreneurs who Live Life and Practice Medicine on their own terms''.   Resources: FREE! Discover the 5 Reasons Your Weight-Loss Journey Has Gotten Derailed (And How To Get Back On Track!)

Send us a textWhat does goose hunting have to do with investing in AI and real estate? A surprising analogy kicks off this dynamic investor panel covering today's most relevant topics in the real estate market.In this video, you'll hear from a powerhouse lineup of investors, developers, and operators across multifamily, private lending, regenerative real estate, healthcare-integrated communities, and more. Topics discussed include:Real estate investment strategies for the next decadeWhy preferred equity and syndicates are being re-evaluatedHow physicians and family offices are partnering on purpose-driven developmentsWhy raw land and eco-retreats are growing trendsThe risk of being “first in the V” when chasing new ideas like AIFeaturing insights from:✔️ National REIT operators✔️ Next-gen family office investors✔️ Surgeons turned real estate developers✔️ Eco-resort and net-zero project leaders✔️ Legacy brokers with 200,000+ agentsThis conversation blends hard-won wisdom with fresh ideas for navigating today's investment environment — don't miss it.

Real world marketing is not about theory. It's about behavior. It's about figuring out what actually works to get attention, drive clicks, and land conversations.  Since I've sent 2,670 emails over the past 7 years, I decided to analyze each and every one of them to figure out what actually worked and what didn't. I had a few shocking discoveries… some that flew in the face of conventional wisdom and so-called “best practices”… and even noticed a couple boneheaded mistakes I was making.  In this episode, I share 5 of my biggest takeaways after analyzing 2,670 emails I sent.  If your emails aren't converting like you want, today's show is your solution.  Listen now.  Show highlights include: The “double-edged sword” email that has consistently been some of my highest converting emails (and why I personally don't like this) (2:56)  How to get higher open rates by breaking every rule Google and ChatGPT tell you about subject lines (4:45)  The weird reason that increasing your unsubscribe rate is one of the most successful outcomes you can have (6:51)  A boneheaded mistake I made for far too long in my emails (10:57)  Why cramming value into your emails mutilates your conversion rate (14:18)  4 emotional ingredients your emails need if you want them to be opened, read, and purchased from (16:02)  Since you listen to this podcast, I want to give you a gift:  If you subscribe to the Inner Circle Newsletter, I'll send you a collection of seven “objection busting” and copyright free emails, personally written by me, that you can use right away to begin getting more clients. Sign up here: https://TheAdvisorCoach.com/Coaching. Then, let me know you subscribed, and I will reply back with a link where you can download them

Real style is about much more than fashion — it starts with being comfortable in your OWN skin.

Fresh off of his iconic career topping Dracula, director Tod Browning returns to his roots with a domestic drama/crime film cast almost entirely with side-show performers with little-to-no screen acting experience.  The viewers are asked - and very much confronted with the question of - who are the REAL freaks? Join the Random Acts of Cinema Discord server here! *Come support the podcast and get yourself or someone you love a random gift at our merch store.  T-shirts, hoodies, mugs, stickers, and more! If you'd like to watch ahead for next week's film, we will be discussing and reviewing David Lean's Summertime (1955).

Fred in Alaska recounts spine-chilling tales from his friends Kirk and Julius. Kirk, along with his wife and 5-year-old daughter, experienced an unsettling series of events at their remote cabin near the Kouk River involving mysterious moose calls and eerie forest encounters. This led to an intense decision to abandon their cabin for safety.Julius shares his terrifying experience with a possible Bigfoot sighting that left him traumatized during a snow machine ride north of Sutton. Both stories highlight the inexplicable and mysterious nature of the Alaskan wilderness.Get Our FREE NewsletterGet Brian's Books Leave Us A VoicemailVisit Our WebsiteSupport Our SponsorsVisit Untold Radio AM 00:00 Introduction and Setting the Scene 00:19 Strange Encounters Begin 01:19 The Mimicking Moose Call 02:02 A Growing Sense of Danger 05:53 The Mysterious Figure 08:52 The Cabin Under Siege 17:09 Planning the Escape 18:34 A Night of Terror 20:39 Morning Escape Plan 22:24 The Final Encounter 29:38 A New Story Begins 31:09 A Terrifying Encounter in the Woods 33:42 The Power of Prayer 34:30 Friends to the Rescue 36:55 Conclusion and ReflectionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.

Episode 327: Bladder Leakage Is Common, But That Doesn't Mean It's Normal — with Dr. Alex Rogers I'm joined this week by my brilliant colleague and fellow urologist, Dr. Alex Rogers, for a candid, informative conversation about something way too many people silently struggle with: bladder leakage. We're two urologists talking all things pee — from stress incontinence to overactive bladder, and everything in between. Whether you're dealing with a sudden urge to run to the bathroom, leaking when you laugh or sneeze, or you're just confused about what's going on down there, this episode is for you. We break down the two most common types of bladder leakage — overactive bladder and stress urinary incontinence — and explain why they require totally different treatment approaches. We also talk about the huge impact of hormones on bladder health, especially in menopause (yes, estrogen matters here too!). Dr. Rogers and I dive into: Why bladder leakage is so common — and why we shouldn't normalize it The real science behind overactive bladder Why Botox is an underutilized but super effective treatment option How pelvic floor therapy fits into the bigger picture What's new and exciting in urology (hello, neuromodulation and telehealth) The frustrating role of insurance in limiting access to care How to find a provider who actually knows what they're doing when it comes to bladder health This isn't just a “deal with it” issue — it's a quality of life issue. And the good news? There are solutions. Real, evidence-based, life-changing options. But only if we talk about it. So let's talk. Takeaways: Bladder leakage is common but under-discussed Hormonal changes play a huge role in bladder function Overactive bladder ≠ stress incontinence — and treatments vary Botox is a powerful and underutilized option Telemedicine and new tech are changing the game Education empowers patients to advocate for better care Insurance hurdles are real — and we need to fight for better access Find the right specialist — not all care is created equal Let's stop suffering in silence and start empowering ourselves and our patients with facts, not shame.

There's no shortage of doom-and-gloom in the podcast world—especially in the gold and silver crowd. You know the type. The ones who spend half their airtime warning you that the dollar is about to collapse, the grid will go down, and that only silver coins will save you. I used to buy into that narrative too. I was a card-carrying member of the Zombie Apocalypse school of personal finance. I even listened to Peter Schiff religiously. But as time passed and I realized that zombies would not rule the world, I gradually became an optimist. I believe in the resilience of the U.S. economy. I don't think society is going to crumble, and I'm not prepping for Armageddon. That said, there is one warning from the doom crowd that's absolutely true—and it's not a matter of opinion. It's a fact. The U.S. dollar is losing value. Fast. That might not feel dramatic. But it should. Because it means that if you're sitting on cash—thinking you're being conservative—you're actually guaranteeing yourself a loss. Robert Kiyosaki said it best: “Savers are losers.”It's a clever phrase, but it's not a joke. It's reality. Inflation isn't a glitch in the system—it is the system. In a country running record-breaking deficits and drowning in debt, the only viable solution is to devalue the currency. In other words, print more money. And whether that inflation comes in at a “modest” 2% like the Fed wants, or 7–9% like we saw in recent years, the outcome is the same: your money loses purchasing power. A dollar in 1970 had the buying power of nearly $8 today. So if your dad tucked away $10,000 in a shoebox thinking he was doing you a favor, that money is now worth a little over $1,200. Even the money you saved in the year 2000 has lost nearly half its value. Inflation is the background noise of our economy. It's always there, always working, always eroding. Slowly when things are “normal.” Fast when they're not. So what do you do? Well, if you're keeping large chunks of money in a savings account paying less than 1% interest while inflation clips along at 3–6%, you are, without exaggeration, bleeding wealth every single day. It feels safe. It looks safe. But it's not.It's a bucket with a hole in the bottom. And you don't even notice until it's almost empty. That's why the wealthy don't hoard cash. They own assets that inflate with inflation. They buy things that grow in value as the dollar shrinks—because they understand the system. They don't fight it. They ride it. Real estate is one of the best tools in the game. Home prices tend to rise over time. Rents go up. But if you lock in a 30-year fixed mortgage, your payment never changes. So while the cost of everything else is climbing, your loan stays frozen. Meanwhile, inflation is silently reducing the real value of the debt you owe. You're paying it back in cheaper dollars every single year. Then you've got ownership in productive businesses. Sure, stock prices can swing in the short term. But long-term? Equities in companies with pricing power—companies that can raise prices when costs go up—often outpace inflation. And as an owner, you benefit directly. And finally, there are the scarce assets. Bitcoin. Gold. Precious metals. In a world where central banks can conjure trillions out of nowhere, things that can't be printed tend to hold real value—or even multiply it. This is how the wealthy play the game.While most people are watching their savings accounts decay quietly, the wealthy are stacking assets that appreciate. They are playing offense in a very predictable system. So those are the basics. But let me give you one more ninja tip from the wealthiest real estate investors in the world: You can print your own money by using debt. Think about it. Let's say you buy a $250,000 property this year using a 30-year fixed mortgage. You put 20% down, so you're financing $200,000. Now fast forward three decades.

Anita Morin is a video marketing strategist and business consultant, who helps entrepreneurs leverage YouTube and short-form video to grow their brands and reach new audiences.Through her done-for-you and done-with-you video marketing services at FDS Creatives, Anita guides clients to develop effective content strategies across platforms like TikTok, YouTube, and Reels, drawing from her extensive platform expertise.Now, Anita's transition from Physician Assistant to business owner demonstrates how strategic career pivots can create both professional success and personal freedom.And while running her multiple six-figure business, she's achieved her dream of homeschooling her children full-time while helping others grow their businesses through the power of video content.Here's where to find more:www.fdscreatives.comfacebook.com/fdscreativestiktok.com/@fdscreativesyoutube.com/fdscreativeslinked in : anita morin___________________________________________________________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

If you're searching for a Digital Marketing Strategist who understands both strategy and heart, you're in the right place.In this value-packed episode, we sit down with Berlyn Komar—founder of Planet Marketing—to unpack how digital marketing for small businesses can thrive in today's competitive online space. Whether you're struggling with low conversions or feeling overwhelmed by conflicting strategies, Berlyn provides clarity and direction.She breaks down how to build conversion-focused marketing campaigns that speak to your ideal audience, and exposes the most common marketing mistakes to avoid—so you can stop wasting time and start seeing results.For entrepreneurs, solopreneurs, and anyone interested in real-world online marketing tips, this episode delivers exactly what you've been searching for. From leveraging community-driven marketing to crafting campaigns that connect, Berlyn's expertise addresses your needs, desires, and search intent with precision and empathy.Her insights are rooted in practice—not fluff—making this podcast a must-watch if you're serious about improving your brand's digital footprint and converting with confidence.00:00 – Welcome & Introduction to Berlyn Komar01:20 – What does a Digital Marketing Strategist actually do?03:05 – Most damaging marketing mistakes to avoid05:45 – Secrets behind conversion-focused marketing08:30 – The mission behind Planet Marketing10:20 – Real talk: digital marketing for small businesses12:15 – How to grow using community-driven marketing13:50 – Berlyn's best online marketing tips & final takeaways#DigitalMarketingStrategist #BerlynKomar #PlanetMarketing #MarketingTips #OnlineMarketing #SmallBusinessMarketing #ConversionMarketing #AvoidMarketingMistakes #MarketingPodcast #EntrepreneurMarketingTo check out the YouTube (video podcast), visit: https://www.youtube.com/@drchrisloomdphdDisclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphdWe couldn't do it without the support of our listeners. To help support the show:CashApp- https://cash.app/$drchrisloomdphdVenmo- https://account.venmo.com/u/Chris-Loo-4Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/supportBuy Me a Coffee- https://www.buymeacoffee.com/chrisJxClick here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-onlineClick here to check out our bookstore, e-courses, and workshops: https://www.drchrisloomdphd.com/shopClick here to purchase my books on Amazon: https://amzn.to/2PaQn4pFor audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1FFollow our YouTube channel: https://www.youtube.com/chL1357Follow us on Twitter: https://www.twitter.com/drchrisloomdphdFollow us on Instagram: https://www.instagram.com/thereal_drchrislooFollow us on Threads: https://www.threads.net/@thereal_drchrislooFollow us on TikTok: https://www.tiktok.com/@drchrisloomddphdFollow our Blog: https://www.drchrisloomdphd.com/blogFollow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphdSubscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233Subscribe to our email list: https://financial-freedom-podcast-with-dr-loo.kit.com/Thank you to all of our sponsors and advertisers that help support the show!Financial Freedom for Physicians, Copyright 2025

⸻ Podcast: Redefining Society and Technologyhttps://redefiningsocietyandtechnologypodcast.com _____________________________This Episode's SponsorsBlackCloak provides concierge cybersecurity protection to corporate executives and high-net-worth individuals to protect against hacking, reputational loss, financial loss, and the impacts of a corporate data breach.BlackCloak:  https://itspm.ag/itspbcweb_____________________________The Hybrid Species — When Technology Becomes Human, and Humans Become TechnologyA Musing On Society & Technology Newsletter Written By Marco Ciappelli | Read by TAPE3July 19, 2025We once built tools to serve us. Now we build them to complete us. What happens when we merge — and what do we carry forward?A new transmission from Musing On Society and Technology Newsletter, by Marco CiappelliIn my last musing, I revisited Robbie, the first of Asimov's robot stories — a quiet, loyal machine who couldn't speak, didn't simulate emotion, and yet somehow felt more trustworthy than the artificial intelligences we surround ourselves with today. I ended that piece with a question, a doorway:If today's machines can already mimic understanding — convincing us they comprehend more than they do — what happens when the line between biology and technology dissolves completely? When carbon and silicon, organic and artificial, don't just co-exist, but merge?I didn't pull that idea out of nowhere. It was sparked by something Asimov himself said in a 1965 BBC interview — a clip that keeps resurfacing and hitting harder every time I hear it. He spoke of a future where humans and machines would converge, not just in function, but in form and identity. He wasn't just imagining smarter machines. He was imagining something new. Something between.And that idea has never felt more real than now.We like to think of evolution as something that happens slowly, hidden in the spiral of DNA, whispered across generations. But what if the next mutation doesn't come from biology at all? What if it comes from what we build?I've always believed we are tool-makers by nature — and not just with our hands. Our tools have always extended our bodies, our senses, our minds. A stone becomes a weapon. A telescope becomes an eye. A smartphone becomes a memory. And eventually, we stop noticing the boundary. The tool becomes part of us.It's not just science fiction. Philosopher Andy Clark — whose work I've followed for years — calls us “natural-born cyborgs.” Humans, he argues, are wired to offload cognition into the environment. We think with notebooks. We remember with photographs. We navigate with GPS. The boundary between internal and external, mind and machine, was never as clean as we pretended.And now, with generative AI and predictive algorithms shaping the way we write, learn, speak, and decide — that blur is accelerating. A child born today won't “use” AI. She'll think through it. Alongside it. Her development will be shaped by tools that anticipate her needs before she knows how to articulate them. The machine won't be a device she picks up — it'll be a presence she grows up with.This isn't some distant future. It's already happening. And yet, I don't believe we're necessarily losing something. Not if we're aware of what we're merging with. Not if we remember who we are while becoming something new.This is where I return, again, to Asimov — and in particular, The Bicentennial Man. It's the story of Andrew, a robot who spends centuries gradually transforming himself — replacing parts, expanding his experiences, developing feelings, claiming rights — until he becomes legally, socially, and emotionally recognized as human. But it's not just about a machine becoming like us. It's also about us learning to accept that humanity might not begin and end with flesh.We spend so much time fearing machines that pretend to be human. But what if the real shift is in humans learning to accept machines that feel — or at least behave — as if they care?And what if that shift is reciprocal?Because here's the thing: I don't think the future is about perfect humanoid robots or upgraded humans living in a sterile, post-biological cloud. I think it's messier. I think it's more beautiful than that.I think it's about convergence. Real convergence. Where machines carry traces of our unpredictability, our creativity, our irrational, analog soul. And where we — as humans — grow a little more comfortable depending on the very systems we've always built to support us.Maybe evolution isn't just natural selection anymore. Maybe it's cultural and technological curation — a new kind of adaptation, shaped not in bone but in code. Maybe our children will inherit a sense of symbiosis, not separation. And maybe — just maybe — we can pass along what's still beautiful about being analog: the imperfections, the contradictions, the moments that don't make sense but still matter.We once built tools to serve us. Now we build them to complete us.And maybe — just maybe — that completion isn't about erasing what we are. Maybe it's about evolving it. Stretching it. Letting it grow into something wider.Because what if this hybrid species — born of carbon and silicon, memory and machine — doesn't feel like a replacement… but a continuation?Imagine a being that carries both intuition and algorithm, that processes emotion and logic not as opposites, but as complementary forms of sense-making. A creature that can feel love while solving complex equations, write poetry while accessing a planetary archive of thought. A soul that doesn't just remember, but recalls in high-resolution.Its body — not fixed, but modular. Biological and synthetic. Healing, adapting, growing new limbs or senses as needed. A body that weathers centuries, not years. Not quite immortal, but long-lived enough to know what patience feels like — and what loss still teaches.It might speak in new ways — not just with words, but with shared memories, electromagnetic pulses, sensory impressions that convey joy faster than language. Its identity could be fluid. Fractals of self that split and merge — collaborating, exploring, converging — before returning to the center.This being wouldn't live in the future we imagined in the '50s — chrome cities, robot butlers, and flying cars. It would grow in the quiet in-between: tending a real garden in the morning, dreaming inside a neural network at night. Creating art in a virtual forest. Crying over a story it helped write. Teaching a child. Falling in love — again and again, in new and old forms.And maybe, just maybe, this hybrid doesn't just inherit our intelligence or our drive to survive. Maybe it inherits the best part of us: the analog soul. The part that cherishes imperfection. That forgives. That imagines for the sake of imagining.That might be our gift to the future. Not the code, or the steel, or even the intelligence — but the stubborn, analog soul that dares to care.Because if Robbie taught us anything, it's that sometimes the most powerful connection comes without words, without simulation, without pretense.And if we're now merging with what we create, maybe the real challenge isn't becoming smarter — it's staying human enough to remember why we started creating at all.Not just to solve problems. Not just to build faster, better, stronger systems. But to express something real. To make meaning. To feel less alone. We created tools not just to survive, but to say: “We are here. We feel. We dream. We matter.”That's the code we shouldn't forget — and the legacy we must carry forward.Until next time,Marco_________________________________________________

⏱️ How to Get a Fast Divorce in Los Angeles County? | Los Angeles Divorce ⚖️ Want your divorce done fast—and without stepping foot in court? In this video, Tim Blankenship of Divorce661.com shares exactly how to get a fast divorce in Los Angeles County, especially if you and your spouse are in agreement.

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