Podcasts about Renting

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

If you're renting in Ottawa right now, you've likely heard it: “Renting is smarter in 2026.” But is it? In this episode of LIFE'S Inside Track, Ken and Yetta Dekker — Ottawa real estate guides with over 35 years of experience — break down the rent vs buy conversation specifically through the lens of the Ottawa housing market. We examine: • The long-term net worth difference between renters and homeowners • How Ottawa property appreciation historically impacts equity • When renting in Ottawa makes strategic sense • The real math behind mortgage paydown vs rent payments • Why delaying homeownership in Ottawa can quietly cost hundreds of thousands over time Whether you're renting in Barrhaven, Riverside South, Kanata, Manotick, Orleans, or anywhere across Ottawa, this episode will help you decide whether renting is a smart season… or a stalled wealth decision. Because building wealth wisely through real estate in Ottawa requires clarity — not headlines. Listen now and bring your numbers back into the conversation. 00:00 – Introduction: The Rent vs Buy Debate in Ottawa Why the “renting is smarter” narrative is gaining traction in 2026. 02:45 – Segment A: The Half-Truth About Renting The marketing message vs the math. What equity really does over time in Ottawa real estate. 11:10 – Segment B: When Renting Is the Wise Move Relocation, saving for a down payment, income growth seasons, and strategic renting. 19:20 – Segment C: Discover What Equity Really Does Running 25-year projections, emotional fatigue vs financial clarity, and long-term wealth building. 27:40 – Your Next Step: Clarity Before Commitment How to evaluate whether you should sell, buy or invest — or wait intentionally.

Joined by a 20-year veteran of Fannie Mae, Shane shares findings from his work on a proposed new model for building renter wealth: shared prosperity rental housing.Show notes:Phillips, S. (2025). Building Renter Wealth: An Evaluation of Shared Prosperity Rental (SPR) Housing Program Design and Feasibility. UCLA Lewis Center for Regional Policy Studies.Executive summary for the SPR report.Shane's 2021 article in The Atlantic, “Renting is Terrible, Owning is Worse.”Shane's blog posts preceding and following the article in The Atlantic.Monkkonen, P., Carlton, I., & Macfarlane, K. (2020). One to four: The market potential of fourplexes in California's single-family neighborhoods. UCLA Lewis Center for Regional Policy Studies.The Multifamily Impact Council's Multifamily Impact Framework.Enterprise Community Partners' Renter Wealth Creation Fund website.Colorado Renter Rewards program website.

Love the Buy Your Side podcast? Please give us a review, we'd love to know what you think.Full transcript to the episode can be found here.Don't forget to connect with us across:FacebookInstagramTikTokLinkedInIf you have any burning property questions at all please send an email to hello@buyyourside.com.au

Uncle Vinny sits down with the owner of ARTDILLO ECLECTIC, Carli. Great conversation about owning a business in Tempe, AZ, balancing business and creativity, fashion, community, and much more. Go visit Artdillo at 2026 E Wildermuth Ave #1136, Tempe, AZ 85281 and follow them on Instagram: https://instagram.com/artdillo.eclectic/ Timestamps: 0:00 - welcome @artdillo.eclectic 1:15 - Culdesac Tempe 2:20 - Artdillo Origins 4:00 - Running a Shop - 2026 E Wildermuth Ave #1136, Tempe, AZ 85281 6:30 - 60's - 2000's Influence 8:30 - Turning 30's 9:30 - Colors in Fashion 10:45 - Using Artdillo As An Event Space/Studio 12:10 - Transitioning to Being A Full-Time Business Owner 13:30 - Balancing Creativity and Business 15:00 - Art Being Accessible 18:00 - Being a Handmade Artist in Fast Fashion World 21:30 - Working In Museums 24:00 - Favorite Pieces 26:30 - Taking the Risk to Go Out On Own 28:00 - East Coast vs. West; Building Community 31:00 - Slowing Down 34:30 - Social Media vs. Real Life 38:15 - Being the Face of Artdillo 39:45 - Longterm? 42:00 - Biggest Lessons Learned 44:00 - 30th Year 46:00 - Recharge 48:00 - Renting the Space 50:00 - Follow @artdillo.eclectic Click the Below Links to Keep Up With New Versatile Vigilante content: Instagram: https://instagram.com/VersatileVigilante/ Soundcloud: https://soundcloud.com/versatilevigilante Spotify: https://podcasters.spotify.com/podcast/6rbWSYZP9asHUv431qHZfK/overview Apple Podcasts: https://podcasts.apple.com/ca/podcast/versatile-vigilante/id1384221180?mt=2 Linktree: https://linktr.ee/VersatileVigilante

Stop renting your mindhttps://lifemotivationdaily.blogspot.com/

ONRS - 690 - Vlad the Impaler of Wieners   Tonight we recap Owen shouting at Ty. Ty is useless and Owen gets mad. Mikey is ok i guess. anyway we discuss wiener combat, Renting an Austin power's impersonator, and even the Re-release of Nintendo virtual boy.  We discuss the Legend of Rey Mysterio insulting kids, Mexican construction workers loving trendy jeans , and  beef sticks on the toilet.   anyway its a fun show.   FOLLOW US PLEASE https://www.youtube.com/@ohnomedia Twitch.TV/ONRSLIVE  and check out our patreon for extra content @ Patreon.com/ONRS Please Donate, we need help keeping this thing alive. -O  

In this episode, Magnetic Marketing Maven Adam Witty sits down with Chris Porter, co-author of Big Shifts Ahead, to break down how demographic trends are reshaping homeownership, hiring, policy, and product demand. Chris reveals how each generation, from Savers to Globals, behaves, spends, and creates distinct opportunities for entrepreneurs who can read the patterns. Tune in for a practical guide to positioning your business for the demographic shifts driving the next two decades of growth. MagneticMarketing.com NoBSLetter.com

In this episode of the Real Estate Pros podcast, host Micah Johnson speaks with Chris Long, founder of Long Yards Storage, who shares his journey in real estate since 2012. Chris discusses his unique approach to industrial outside storage (iOS), the challenges of finding and acquiring properties, and the lessons learned from rapid growth. He emphasizes the importance of cash flow, the versatility of his hybrid model, and the entrepreneurial spirit needed to succeed in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Hour 4

From Cleaning fee, Admin per person, Inspection in and out fee! Renting these days feels like death by a thousand debit orders. First, your rent goes up every year but nothing in your actual apartment changes. Same cracked wall, same stove that needs “encouragement,” just more expensive. Then there’s the sneaky extras: admin fees, inflated utility bills, and deposits you never fully see again because suddenly “the wall paint isn’t the same shade of white.” And in cities like Cape Town, landlords can charge more because demand is crazy especially with Airbnb and overseas buyers pushing prices up. At this point, it doesn’t feel like you’re renting a home… it feels like you’re funding someone else’s retirement. Hang out with Anele and The Club on 947 every weekday morning. Popular radio hosts Anele Mdoda, Frankie du Toit, Thembekile Mrototo, and Cindy Poluta take fun to the next level with the biggest guests, hottest conversations, feel-good vibes, and the best music to get you going! Kick-start your day with the most enjoyable way to wake up in Joburg. Connect with Anele and The Club on 947 via WhatsApp at 084 000 0947 or call the studio on 011 88 38 947Thank you for listening to the Anele and the Club podcast..Listen live on Primedia+ weekdays from 06:00 to 09:00 to Anele and the Club broadcast on 947 https://buff.ly/y34dh8Y For more from the show go to https://buff.ly/gyWKIkl or find all the catch-up podcasts here https://buff.ly/K59GRzu Subscribe to the 947s Weekly Newsletter https://buff.ly/hf9IuR9 Follow us on social media:947 on Facebook: https://www.facebook.com/947Joburg/ 947 on TikTok: https://www.tiktok.com/@947joburg947 on Instagram: https://www.instagram.com/947joburg947 on X: www.x.com/947 947 on YouTube: https://www.youtube.com/@947JoburgSee omnystudio.com/listener for privacy information.

Send a textThis week, we're catching up on the numerous events we've recently attended including; the Sheppard Robson PBSA round table 'How can fresh thinking unlock viability?', the Amber webinar hosted by Urban Living News on all-inclusive energy and the QX Global Group Student Accommodation Insights Evening.We are also talking about the latest white paper by Utopi; The AI Influence in Real Estate - are we moving to the dark side? Download this report via link in comments.The questions we cover this week:- Does investing in AI make rent cheaper or more expensive?- Are commuting students a commercial opportunity or a risk?- A plea for positive PR about the value of renting- Is all-inclusive bills cheaper?Stay up to date on Housed podcast via the website and LinkedIn page Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. This was a jointly sponsored podcast. 

In this episode, I was lucky enough to interview Matt Cullerton, founder of Mavric Tech and creator of Apso. Matt reflects on growing up in Reston, Virginia, early lessons from working in restaurants, and his first venture — an independent music label launched while working at Northrop Grumman. From navigating the volatility of the music industry — including brushes with artists like Diplo — Matt shares how those formative experiences shaped his resilience and people-first mindset.Matt also discusses his philosophy of fairness in leadership, particularly within development teams, and how core values serve as operational anchors in a client-services environment. He opens up about the discomfort of cultivating a personal brand as an engineer, the challenge of separating identity from business, and his long-term vision for scalability. Finally, Matt takes a deep dive into Apso — a platform born from real-world agency needs — and shares his perspective on balancing product development with a thriving services business, all while staying grounded in authenticity.Discover how Matt Cullerton blends engineering discipline with human-centered leadership in this  episode of The First Customer!Guest Info:Mavric Technologyhttp://mavrictech.comMatt Cullerton's LinkedInhttps://www.linkedin.com/in/mattcullerton/Connect with Jay on LinkedInhttps://www.linkedin.com/in/jayaigner/The First Customer Youtube Channelhttps://www.youtube.com/@thefirstcustomerpodcastThe First Customer podcast websitehttps://www.firstcustomerpodcast.comFollow The First Customer on LinkedInhttp://www.linkedin.com/company/the-first-customer-podcast/

So much to play, so much to say. In this episode of Randomer Nintendo, we’ve diving into Mario Tennis Fever and the Switch’s new Nintendo Classics: Virtual Boy offerings, including our impressions of its new hardware accessory and the full lineup of launch games. Plus, we discuss 28 Years Later: The Bone Template, a massive Monarch: Legacy of Monsters drone show, and more. Did you pick up Mario Tennis Fever or the Virtual Boy accessory? Tell us what you think! If you enjoy the show, be sure to subscribe to us on Apple Podcasts, Spotify, Amazon Music, YouTube, or your favorite podcast app. You can also follow us on Twitter @RandomNintendo. Enjoy! Topics [0:06] Renting games and chasing gaming highs [0:23] 28 Years Later: The Bone Temple [0:33] Nintendo Classics: Virtual Boy impressions [1:11] Mario Tennis Fever [1:57] Encountering a 55-story Godzilla

Moving in with your partner? Before you sign the lease, you need to talk about money. As I prepare to move in with my partner for the first time (your girl's growing up!), I revisited our practical and helpful conversation with personal finance expert and author, Alyssa Davies, about how to navigate your finances when you're merging lives with your partner, and how to set yourself up for success when you're moving in together. We dive into the financial conversations every couple should have before moving in — from how to split rent and household expenses when your income is different, to structuring joint finances in a way that feels equitable and aligned with your shared goals. Because merging lives means merging money — and that's hella vulnerable. Alyssa Davies is a 2x author and the mastermind behind award-winning Canadian personal finance website and YouTube channel, Mixed Up Money, where she dishes out financial content for women who care about their money.  Tune in to hear: Alyssa's advice for couples who are moving in together The most important money conversations to have Different ways to structure your joint and separate accounts Equal vs equitable expense splitting (and how to divide rent when your incomes are different) How to protect your assets if your partner moves in What to do if you have different spending/saving habits Saving for big milestones together (travel, home, wedding, investments) Avoiding resentment around money and contribution Tools for successful budgeting with your partner Follow Alyssa: mixedupmoney.com/ instagram.com/mixedupmoney/ Alyssa's Budgeting Templates: mixedupmoney.com/shop For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

How does owning your home or renting impact on how you vote? For today's podcast, Ben was joined by Shaun Ratcliff and Josh Goddard to discuss what we know about how home ownership (or asset ownership more broadly) influences voting trends. We discuss Josh's research looking at 14 different Western democracies, and also hear from Shaun about more research closer to home. You can now watch a video version of this podcast on Youtube. This podcast is supported by the Tally Room's supporters on Patreon. If you find this podcast worthwhile please consider giving your support. You can listen to an ad-free version of this podcast if you sign up via Patreon for $8 (plus GST) or more per month. And $8 donors can now join the Tally Room Discord server.

Every Sunday, we'll bring you some of the Guardian's best stories from the week. Stories we loved, that made us feel happy, sad, or just made us think, read by the people who wrote them. Writer and critic Fiona Wright has often joked with her friends that, in order for them to own homes, they'd have to wait until their parents die. But is there a truth to this dark joke?

Renting vs Owning: The Real Costs Nobody Talks About (REISSUE) | 092originally published 8/18/21Renting vs. owning. It's the personal finance debate that never dies. In this REISSUE from 2021, Chris and co-host April dig into the real costs people forget when they say “renting is throwing money away.”We break down the sneaky homeowner expenses that don't show up in your mortgage payment, like property taxes, homeowners insurance, repairs, appliances, and utilities.Chris shares real numbers from his own home (including years where repairs and upgrades hit hard), while April compares it to the simplicity of renting where most costs are bundled and you can move with way less friction.We also talk about lifestyle reality, flexibility, the emotional “permanency” factor, and why buying only makes sense if it matches your goals, timeline, and sanity. Plus, we point you to a rent vs. buy calculator you can use to run your own numbers.In this episode, we cover:The true monthly cost of homeownership beyond the mortgageProperty taxes, insurance, maintenance, and “surprise” repairsUtilities and what renters typically don't pay forFlexibility, mobility, and why lifestyle matters more than egoEquity, appreciation, and the “rent is throwing money away” mythA practical rent vs. buy calculator to help you decideContact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources:https://www.nerdwallet.com/mortgages/rent-vs-buy-calculator

This week it's "What Grinds My Gears," the monthly segment where Jim and Alayna vent their frustration on a topic of their choosing. This month, Jim wants to talk about the common assertion, "Renting is throwing your money away." With the current administration eager to prevent us from being "a nation of renters," the issue of renting is due for a conversation.

On this episode, my guest is Leslie Kern, PhD, the author of three books about cities, including Gentrification Is Inevitable And Other Lies and Feminist City: Claiming Space in a Man-Made World. Her work provokes new ways of thinking about and creating cities that are more just, equitable, caring, and sustainable. Leslie was an associate professor of geography and environment and women's and gender studies at Mount Allison University from 2009-2024. Today, she is a public speaker, writer, and career coach for authors and academics.Show Notes* Gentrification and touristification* Naturalization of gentrification* The new colonialism* Intersectionality* Who's to blame: renter or landlord?* The hipster and the safety net* The invisible face behind gentrification and touristifcation* Transactionality or hospitality? The case of Airbnb* Commercial gentrification* The right to stay putHomeworkLeslie Kern - Website - InstagramGentrification Is Inevitable and Other Lies - USA - Canada Feminist City: Claiming Space in a Man-Made World - USA - CanadaHigher Expectations: How to Survive Academia, Make it Better for Others, and Transform the UniversityThe Tenant Class by Ricardo TranjanTranscriptChris: [00:00:00] Welcome, Leslie, to the End of Tourism Podcast. Thank you for taking time out of your day, to speak with me. Thank you. To begin, I'm wondering if you'd be willing to tell us where you find yourself today and what the world looks like there, for you.Leslie: Sure. I find myself in Cambridge, Ontario.It's a city of about 130,000 people. If I looked out my window right now, I would see a lot of blowing snow. It's about minus 27 Celsius with the windchill, or something hideous like that today, so taking the time to talk to you this morning means I don't have to go out and shovel anything just yet. So.Chris: Well, thank you. Thank you for joining us. it's a great honour and I'm really looking forward to this conversation that bears a great deal of complexity. So, I had invited you on the pod in part to explore your book, Gentrification is Inevitable and Other Lies. And [00:01:00] in it, Leslie, you write that“Gentrification has come to be used as a metaphor for processes of mainstreaming, commodification, appropriation, and upscaling that are not necessarily or directly connected to cities. In this story about gentrification, gentrification stands in for any sort of change that pulls a thing or a practice out of its original context and increases its popularity, priciness, and profit-making potential.”Given that some of our listeners might not have heard of the term “gentrification” before, although I doubt it, but given that those who have heard it might understand it also to be what you and others refer to as a “chaotic concept,” I'm wondering if you'd be willing to take a stab at defining it for us today?Leslie: Yeah, absolutely. If we [00:02:00] look to, I guess, a kind of typical scholarly definition of gentrification, it would be describing an urban process in which middle or upper class, or in some other way, privileged households start to move into a neighbourhood or area of the city that has historically been more working class, or perhaps an immigrant neighbourhood, perhaps more industrial, and begin to remake that neighbourhood, kind of in their own image, thus driving up housing prices both in the rental and ownership markets, driving up the cost of living in the area, and critically, as part of the definition, resulting in some level of displacement of the older inhabitants of that neighbourhood. “Displacement” meaning they've been kind of priced out or otherwise pushed directly or indirectly to leave and [00:03:00] move to some other neighbourhood.So, typically with gentrification, the definition is centred around it being a class-based process, but in more recent decades, many scholars, myself included, have wanted to broaden that and to acknowledge that other axes of power and privilege, for example, race, gender, ability, age, sexuality, and so on, also play a role in contributing to the kinds of forces that propel gentrification. And we can maybe get into some of that later.So for myself, in the book, I talk about gentrification as “any kind of process of taking over claiming space and remaking it in the image and for the interests and benefit of a more powerful group of people, or perhaps even corporations, to some extent.” So, [00:04:00] gentrification is really the process of taking and claiming space. And I also do include displacement as part of that process, although I also acknowledge that sometimes people can be kind of psychologically displaced, even if they aren't necessarily physically pushed out of their neighbourhoods.Chris: Mean it's something that I was noticing in Toronto before I left and moved and migrated here to Oaxaca. It's something that I think in the last five or ten years has become an unfortunate mainstay of city life in the vast majority of places, of urban places in the world.And this is also something that I've seen quite a bit here in Oaxaca, Mexico in a somewhat prolific tourist destination. And so, in places that have [00:05:00] been deemed “destinations” in this way, there's often a kind of reductionism, here anyways, and in other tourist destinations in which gentrification and what's sometimes called touristification is confused.And so one definition of “touristification” is simply “the process of transformation of a place into a tourist space and its associated effects.” So a kind of very vague and broad definition. But we also understand that gentrification can happen in places that aren't necessarily tourist destinations.And so, we've also discussed in the pod the possibility that a place doesn't necessarily need tourists in it to have touristic qualities or context what we might say. [00:06:00] And so I'm curious for you, do you think it's important to distinguish the two concepts, gentrification and touristification? And if so, why?Leslie: Yeah, great question. I think a distinction, to some extent, is important in that, yeah, there may be elements of touristification, for example, that are somewhat unique to that process, especially in terms of the kind of impact that it might have on local inhabitants who may not necessarily be displaced, but who may see their everyday lives kind of radically altered by the touristification of an area.And as you say, gentrification happens in all kinds of areas, many of which are not geared to tourism, although sometimes that is a kind of later effect of gentrification, is that tourists might be drawn to certain neighbourhoods or places that they would not have otherwise gone to in the past.As [00:07:00] you mentioned in your earlier question, there's been some concern in the gentrification literature that it's a bit of a chaotic concept, by which it is meant that it's maybe too broad of an umbrella [term], and so many different kinds of processes are kind of lumped together under that umbrella. I think it's a useful umbrella, but under that umbrella, we can try to be clear about what we're talking about when we look at particular locations, and try to articulate the impacts that these processes are having on the local community, economy, environment, and so on.Chris: Thank you, Leslie. Thank you for that. So your book is broken up into chapters that reveal the deeper realities behind the tropes or lies sometimes spouted about gentrification. And there are often many. And so I'm curious if after having done the research and writing for this book, and it was published in [00:08:00] 2022, so perhaps there's been some deeper reflection in that regard, I'm curious what you feel might be the most important lie about gentrification that requires our attention and why?Leslie: Ooh, really putting me on the hook to like pick a favorite child there. No, I'm joking. Ultimately, I mean, I guess the most straightforward answer would be the first one that I discuss in the book, which is right there in the book's title, which is the idea that gentrification is inevitable. And we can kind of unpack that a little bit further, as I do in the kind of first main chapter of the book, which is to say that in some accounts of gentrification, it's presented as a sort of natural process, right? As something that is just akin to evolution, for example. So there's this idea that if you kind of start with, for example, a working class or immigrant [00:09:00] neighbourhood, lower income community, with some other kinds of attributes that might not make it seem wealthy or desirable, that over time, just through, I don't know, a kind of mystical series of properties, the way that species evolve or human beings develop from fetus and baby to an adult through this series of difficult to trace impacts, that somehow it just happens. Right. And of course, the problem with that, again, is that if we think it's natural, then we don't really think there's any way to stop it.And also when we describe something as “natural,” we often imbue it with positive qualities. Well, if it's “natural,” it's just meant to happen. It's just the way things are. And why would we want to stand in the way of that process? From a kind of political standpoint, it becomes very problematic, because it means that there's not really a [00:10:00] willingness perhaps on the part of those who have some power and influence to slow down gentrification, to pause it, to use whatever tools they might have in their kind of legislative toolbox to create guardrails around the process happening or to try to prevent it altogether. And from a kind of community response standpoint, it can be very disempowering to believe that gentrification is inevitable, unstoppable, that once you see those first, white, middle-class families move into your neighbourhood, “boom, you're done. It's over. The clock is counting down to the time when it's not your neighbourhood anymore and you'll just have to leave, so why bother to do anything about it?”And as I also try to show in the book, you know, it's hard to fight gentrification, but there are examples around the world of communities that have pushed back and kind of “pumped the brakes on gentrification,” as one [00:11:00] activist described it to me. So, we, I think, don't want to fall into this trap of believing that communities themselves are powerless, or that our politicians and policy-makers have absolutely no tools that they can use to change this.So I would say that is probably the most important kind of first line myth or lie that we need to challenge. And then we can kind of go down the line and pick apart some of the other ones, which is how I've structured the book as you point out. Yeah.Chris: Thank you, Leslie. Yeah, I mean, that was a really jarring chapter for me, in part because of this notion that not only is quote gentrification inevitable or natural, but that the city is, according to different philosophers and thinkers, imbued with this kind of biological life and [00:12:00] and that it follows as you were mentioning certain processes that are “ natural” as far as evolution is concerned.And imediately, this brought me back to my research on what's often referred to as 19th century social evolutionist thought, these notions that were often created or maintained by kind of, elite, wealthy, white men in the 19th century, not all of whom were academics, some of them were bankers, for example, among other things, but essentially promoting this notion that certain races or genders or types of people had evolved along the natural processes of evolution either faster than others or got ahead in certain ways, and that, of course, this was a way for those people, not only the non-academics, but those in academia [00:13:00] to employ hypotheses theories as a way of justifying colonial histories and the ongoing conquests of different people around the world. And so, in that context, I'm curious if you imagine or think that gentrification understood or described as “natural” in this way is a kind of extension, a historical extension of that kind of colonial power play of the 19th century.Leslie: Yeah, I absolutely do. And there are many ways in which the power dynamics and even the language or the vocabulary around gentrification mirrors that around colonialism with all of the problematic tropes there of neighbourhoods or areas of the city being taken over where “there's really nothing there,” right?[It's the] same kind of justification for colonialism. “There's nothing there. [00:14:00] There's nobody there that we need to care about,” so European colonizers are entitled to this land. Similarly, with the way that many developers, for example, I think, rationalize or justify the kind of projects they engage in.“Oh, there's nothing really happening in that part of the city. There's not really a community there. It's just a space of problems or deviation from the norm or disorder. And so we, as developers, as city planners, we're going to bring order and light and civilization, quite frankly, to these neighbourhoods.”So I'm sure you're hearing in this, all those echoes around colonialism. And this point around the social evolution part of it, I think that is the kind of darker, maybe less acknowledged side of gentrification, is that when we start to talk about neighbourhoods as “nothing's happening there, there's nobody there.” [00:15:00] Who's “nobody,” right? Who falls into that category of “nobody,” right? It's poor people. It might be unhoused people, working-class people, people of colour, queer people, disabled people, sex workers, right?“All people who we don't really think of as kind of counting as citizens, people who we don't think have a legitimate voice in the city, people who we don't think have a right to the city or a claim on the city.” And they're just seen as disposable, as easily displaceable, as not really contributing anything to the community or to the city at large. So I think there's definitely a sense of kind of hierarchy in terms of, “who are the seemingly new people who are coming in, right?” And they're viewed as “bringing all of these kind of gifts and benefits to the neighbourhood, and in some ways, perhaps even uplifting the poor [00:16:00] or downtrodden inhabitants of the ghetto or the barrio or whatever. And the locals should somehow be grateful to receive gentrification similarly to the way that people were, say, ‘oh, you should be grateful to receive an education if you're from the lower-classes or working-classes.'”So, yeah, I think there's definitely echoes and traces of that same kind of logic, right? It's a logic of superiority, a logic of dominance, a logic of control that resonates, whether it's colonialism or social evolutionism. Um, yeah.Chris: Wow. Fascinating. Fascinating stuff. I mean, this is, I think, to a large degree culture or what we call culture or what culture might be is made on the tongue, and that the, the kind of unacknowledged ways in which we speak the world into being [00:17:00] is something that's been direly overlooked in our time. So thank you for speaking to that in that way. And I think it's something that we would properly kind of continue to wonder about as we speak and as we think, and perhaps before we speak as well.You know, you mentioned in there the different types of people that are often displaced as a result of gentrification. And this shows up quite a bit in your book. So I wanted to ask you about what you refer to as “intersectionality,” an intersectional approach to gentrification.Some of the conventional critiques that you mentioned in the book, including the economic critique (kind of follow the money), the aesthetic critique (the kind of clean lines and fancy bakeries that show up), as well as the class critique, which you mentioned kind of upward mobility, among others.That said, you focus a good portion of the book, I think, on this neglected importance of intersectionality. And so I'm curious, why do you think an intersectional approach has been ignored in the [00:18:00] past, and why might it be crucial for a cohesive or integral analysis of gentrification?Leslie: Hmm. I think an intersectional approach has been kind of sidelined, if you will, in part because most of the key kind of prominent gentrification scholars of the late 20th century and into the 21st century have been, honestly, white men probably themselves from middle-class backgrounds, or obviously university educated scholars and they've been, like neo-Marxist, or Marxist. That's their theoretical perspective. That's their training. They come from a kind of Marxist, political economy, background. That's the lens of analysis that they bring to whatever kind of problem they're looking at in the world, including gentrification.And they've done brilliant work, right, and created a lot of really foundational [00:19:00] concepts, gone and done really important empirical work so that we can actually see what the impacts of these processes are. And there's nothing I want to take away from that being a key voice within the field of gentrification studies, but I think too often either there's been kind of minimal lip service paid or kind of outright pushing to the side of feminist perspectives, anti-racist perspective, anti-colonial perspectives and more, because it's sort of seemed like, well, “class is the main driver and anything that maybe disproportionately impacts women or people of colour, or queer folks or elderly people, that's like a side effect, right? Like the main driver is class and those people are simply impacted because they also happen to fall into lower income brackets.”So it's a pretty neat and tidy [00:20:00] story and you can kind of see why it has some appeal. So I think, you know, those political economy, neo-Marxist scholars is not that they don't care about race or gender or other factors. They're just like, “well, it's all really rolled up under the umbrella of ‘class.' And if we just figure out the ‘class' piece, then those other things will kind of fall into place.” But for feminist scholars, critical race scholars, anti-colonial scholars and so on, they've wanted to point out that assuming that class is the primary driver behind things is maybe an assumption that we've held onto for too long without questioning it. And instead of seeing racial impacts and so on as something that's just happening off to the side through a class process, maybe we want to also look, especially in something like an American context, but in other places as well, at the deeply foundational layer of race to the development of cities, to the development of the [00:21:00] nation, and we can't kind of sideline the impacts of racial discrimination and the kind of hierarchy of race that has developed over many centuries in these locations and say, “oh, well it's a secondary factor.”For myself, I'm a feminist scholar. My background is in women's and gender studies before I kind of accidentally stumbled into being an urban geographer. And to me it was always kind of obvious, but I think I've had to argue this point so often that processes like gentrification, neoliberalism, urban revitalization, as it's called, doesn't just kind of impact women as a tangential side effect, but that gender inequality or assumptions about gender roles and so on are like part of what drives the process. And so I try to bring that out in the book by looking at different kinds of examples of the ways in which different sorts of [00:22:00] communities or people are impacted to hopefully show, to hopefully make a case for this idea that taking an intersectional perspective doesn't deny the class factor at all, but that it allows us to look at gentrification through a more nuanced lens and one that respects the fact that class is not the only, and not always the most salient marker of hierarchy and status in our societies.Chris: Hmm, hmm. Yeah, I did go to university a long time ago, and it seemed that what was offered up on the proverbial, kind of conceptual, bill, politically speaking was, here are your five major theories or perspectives and kind of like choose one and decide what you like the best and then argue for it or against it.But it does seem that the more apertures that we have onto the world, without necessarily needing [00:23:00] to collapse our considerations into a single one can broaden our understanding of the world deeply, right? Deeply, deeply. And it's something that I see anyways less and less of.I think there's more and more possibilities for experiencing that in our time, but I think there's a lot of processes that are happening in which there's less and less of it that's actually occurring - a kind of collapse of maybe ontological diversity or philosophical diversity.I don't know what to call it, but seems prevalent and at least from this little aperture. So.Leslie: Yeah, I would agree with that, as someone who, just in my own little brief lifetime here on this earth has been peddling my little feminist arguments for 30-plus years. And then we add on to that, the 30 years before that and 30 years before all of the previous generations. It seems like we are, [00:24:00] not just from a feminist perspective, but we are kind of constantly having to make these arguments for that ontological diversity, as you put it, or even just the idea that, oh, you can view things through different lenses and learn different things about whatever kind of process or force or issue that you're interested in.Chris: Hmm. Well, thank you for that. I'd like to, if I can, Leslie, there was something I've been wrestling with for a while and it was very much front and centre, this kind of inner wrestling when I was reading your book.And so, I'd like to share that with you at the moment if I can, and we'll see where it takes us. So part of the reason that I left Toronto a decade ago was that the housing crises, that perhaps for some wasn't yet a crisis in Toronto, has of course ballooned. But in the past five years I've watched that same housing crisis play out here in Oaxaca.[00:25:00] And what arose almost immediately in the, we'll say media sphere, the online world and certainly on the streets as well, was a kind of xenophobic campaign or campaigns blaming tourists, digital nomads, and “expats” for the rising cost of rentals and housing. Now, while not entirely misguided, the percentage of such people is insignificant in comparison to the total population of renters and homeowners here.And then I ask myself, well, “why isn't anyone questioning the role of homeowners and landlords, those who actually decide the price of rental units, those who decide to turn long-term rentals into Airbnbs, and those who are, some of them anyways, more often than not, part and parcel of the political ruling class in many places?” Why not blame them?And so, if you think about this enough, you can [00:26:00] begin to imagine that the willingness to blame specific people, types, classes, races, et cetera, can ignore the cultural, economic and structural elements of society that allow and encourage such dynamics to emerge. And it seems to me that you speak to this, to some degree, in your book writing, how“it is not helpful in a critique of gentrification to get overly stuck on the styles and preferences of a group, when, for many decades now, gentrification has been propelled by much stronger forces than aesthetic trends.”And in another part of the book, you write that “cultural factors cannot be hastily dismissed, not when their power is easily co-opted by capital. Trends in denim and facial hair are not responsible for gentrification, but when large groups of people are redefined as a class based on their tastes, occupations, and aesthetics, they become a market and a justification for urban [00:27:00] interventions.”And so my question has to do with what I might call, I don't know if this is something that shows up in your work or in your research, but a kind of “ecological analysis,” one that doesn't necessarily separate people into essentialist categories, but contends with how maybe the rules of the game produce the player's behaviour and beliefs.And so I'm wondering, you know, in your research, is that something that is tended to, a way of, “okay so, we're not going to only blame or ask the tourists to take responsibility or the digital nomads, et cetera, and we're not only gonna blame or ask the landlords to take responsibility, but understand that they live and inhabit a kind of web of relations that has, for a long time, created the context that allows them or even [00:28:00] encourages them to proceed in a particular way?Leslie: Yes, a hundred percent. I really love the way that you put that there and giving it that kind of label of like an ecological perspective there. I think it's so important to do in the book. You know, the first quote that you read there, I think has to do with this idea that, “oh, you know, hipsters were causing gentrification” kind of thing.And I wanted to kind of, not defend the hipster per se, but to just say, well, in a city like New York, for example, the takeover of midtown Manhattan and the absolute sort of pricing out of regular people, well, from Manhattan as a whole in many cases is not to do with artists and yoga teachers moving into those neighborhoods. It has to do with massive multinational corporations buying up housing, developing condos, like all of these other things that [00:29:00] are going on. And as you say, I mean, I think it is useful to question and critique landlordism for example, and even home ownership itself, but there's a reason why people engage in these practices and as you say, it's because of these all sorts of other like prior sort of conditions and causes this kind of web of possibilities that so much of our... the policy, the legislative world, our national context shapes for us.Like in Canada for example, home ownership is, as you well know, sort of seen as the ultimate goal in the housing market. Renting is seen as very much a kind of transitional stage for people. And the idea is to eventually, sooner rather than later, own your own home.And of course there's all kinds of cultural myths around that, of homeowners being like responsible people and better citizens and all this kind of stuff that is, maybe like [00:30:00] largely nonsense. But why, in this context, do people become homeowners? Well, this is the way that we've been told “you secure your retirement in the absence of a truly kind of robust old age security net.” Yes, we have some. We have pension, old age pension, but for many people, the home is ultimately their social safety net, and government policy has very much been set up to encourage us to treat our homes in that way and to rely on paying off a mortgage and having that home to be the basis of survival into our old age.Right. And there are many other things. That's just one example. So I think, as you say, it's really important to kind of look at that whole ecosystem. And that doesn't mean that we don't say, “well, okay, what are homeowners doing that might be potentially problematic and contributing to the problem?”Well, that could include things like turning units into Airbnbs or acting in NIMBY-ish (Not In My Backyard), kind of ways that limit, for example, the amount of affordable housing that might go up in their neighbourhood and other things. Of course, all of those dynamics have to be critiqued, challenged, pushed back against. But, keeping, at the same time that kind of zoomed out perspective of like what's going on on a larger scale, in the kind of corporate and investment world and the government policy-making world, I think at least helps us to understand why these different groups are kind of positioned in the way that they do and the kind of range of possibilities that they see for themselves within that web.Chris: Mm mm Yeah. Yeah. That reminds me of a moment that I had here in Oaxaca, maybe three or four years ago. There was a student group that had come down from a Canadian university, and they were here for a couple weeks, and I was having dinner with them. Not all of them, but there was maybe four of the women from the student group that I was having dinner with.And one of them was probably in her, I would say [00:32:00] mid-fifties, an indigenous woman from Ontario. And the other three were much younger, probably in their early twenties. And they were suddenly talking about the sudden or at least recent kind of housing crisis in their university town, we'll call it, maybe a small city, but big town. And how in previous years they could afford the rent, but suddenly, and of course this was 2021-2022, when a lot of these dynamics started changing extremely rapidly. And I was kind of moderating the conversation at first. And then it turned out, she wasn't so quick to out herself as a landlord. But the indigenous woman, the 55-year-old kind of alluded to it and then said, “well, you know, for a lot of people, it's a pension plan. “It's my retirement plan, essentially.” And it was this really interesting dynamic about how these four women, who had come to this place and were in the same program, studying the [00:33:00] same thing, that one of them had to perhaps, unbeknownst to her, undermine the economic life and possibilities of those younger women by virtue of requiring a retirement plan.Right. And I think at least in Canada, in countries that are very much still welfare states, that it speaks to a, the incredible degree in which the care that's offered, especially to the elderly, is almost entirely top-down. There's so little, if any, community care.And, you know, of course this is a very kind of small example, a very kind of minute example. I think maybe a common one. But of course you also have other examples of, as you mentioned before, corporations... is it BlackRock this massive mutual fund that I know in, in Europe and places like Barcelona and the major cities there end up buying entire apartment buildings or blocks even, and evicting [00:34:00] the residents and then setting up Airbnb buildings, essentially. So, I mean, there's this incredible kind of degree of difference and diversity in terms of how, as you mentioned landlordism and rent is affecting people.But I just wanted to mention that. It was a really kind of interesting moment for me to see this dynamic and the young women kind of complaining about, you know, I guess the future, the present and the future of their economic lives. And then, this older woman also not necessarily complaining, but very much concerned about her ability to live as well, economically and to thrive economically into her older age.Leslie: Yeah. And there's these kind of ironic situations popping up all over the place where so for example, someone might have a public pension. And as you point out, many public pensions are deeply invested in real estate income trusts. This is like a huge piece for example, in Ontario, of [00:35:00] Ontario public workers' pensions, but around the world as well, and I don't have the details, but a story that was in the news several years ago about a man somewhere in Europe who was being evicted from his apartment because that one of these real estate investment corporations was taking it over and was gonna redevelop it in some way. But his public pension was invested in that very same company. Right?So many people are kind of caught in these loops where it's like, we would very much like to not be like, displacing ourselves or our neighbours or community members, but we don't necessarily have control over how our pension funds are invested, right? Like you might have a choice like, “oh, I'd like to divest from fossil fuels, for example, or from tobacco or military, like arms deals.” Like, sometimes, you can opt out of those things in your pension funds, but there's not really a way to like opt out of real estate investment.My substack is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.It's such a huge part of those things now. So I think that's an area where there's increasing kind of research and critical perspectives on that in gentrification scholarship and so on that I think is really important to look at, because it's also very hidden, right? This is another aspect I think of contemporary kind of gentrification touristification even, is that there's no face to it, right? There's no face to this process. And maybe that's why it's tempting to take, as you put it a minute ago, that kind of like xenophobic perspective or to blame “expats” in the case of Oaxaca and touristification or in cities to be like, “oh, it's these urban hipsters, maybe these like trust fund kids” or whatever label people might want to put on someone, because there's a face, right? There you can look and be like, “that's the problem.” But the reality is there is no face, right? There's no individual or even group of individuals that's easy to identify. And people doing [00:37:00] research into some of this pension fund stuff that I'm talking about, they hit very opaque walls, even just trying to get the information about how these companies work, the kinds of decisions they make, what their rubrics are around what they call “socially responsible investing.”So it's very deliberately mystified and hidden from us, and I think that is part of the challenge now is like, how do you fight this monster that you can't see, that you can barely name?So yeah, that is I think one of the kind of frightening things, if you will, about, whether we call it “gentrification,” or we think about it in this broader sense of the housing crisis, who's the face of that, the cause of that crisis? Very hard to say in many cases.Chris: Wow. Yeah, I know that these mutual fund companies that end up buying, you know, whole city blocks or buildings, apartment buildings, and then tending to renovictions or whatever they [00:38:00] might use in order to get people out. Once the buildings are “ renovated” as Airbnbs, what happens is those corporations end up outsourcing all of the operational and cleaning duties to companies that they're not involved with at all. So, again, you could have this person who's in front of you, who might be a cleaner or who comes ou in and out of the building or who might run the reservation books or something like that, but they've never met anyone from that mutual fund company. Right. They just get a paycheck.Leslie: Yeah. And it's happening on this kind of global level. The people behind the company that's investing in that building in Oaxaca, like they may have never set foot there, and they may never set foot there. Right? So it's happening from around the world, from thousands of kilometers away from behind these kind of screens of, as you said, these kind of shell companies and these subcontracted, property management companies.I mean the story you were just telling about the woman who's a landlord, like on that small scale, not that [00:39:00] there's nothing problematic about it, but it is also like, you know, she's probably met her tenants, right? She probably occasionally sets foot in the property that she owns and that she rents out, and there's like some aspect of a relationship there. It's still, you know, a problematic power dynamic and all of that, but it's on a very different scale than the investor from London who's has a stake in a condo in Oaxaca. Like, it's a very different web of of relations that goes into that.Chris: Yeah. And even if someone like that, and I've had many, many landlords over the years and I've been blessed to have a number of them who are really incredible people and really incredible in terms of showing up when they're needed in that regard. But it's something, I discussed on a previous episode regarding the Airbnb-ization of the world, a couple years ago. And one of the themes that came up was around hospitality, right? [00:40:00] And even if you have people who are kind of really engaged and really excited and responsible about having a tenant in their home or in a particular building, the kind of transactional nature of that rent almost (and then of course the history of it) precludes, almost by default, the possibility of there being a kind of host-guest relationship, right? Instead of that we are “clients” and and, and “salespeople,” businesspeople to some degree.Right. So another layer of it is this question of like, “well, is it even possible within the dynamic or structure that renting implies and incurs, is it even possible to create a dynamic wherein a person can be understood as a guest in another person's home, and another person can be understood as a host to people who are coming to live in their home? Right? That that same [00:41:00] woman, the 55-year-old landlord said that she had tenants who refused to leave for, I dunno, a year and a half or two years, and once they finally did, left her with a $40,000 damage bill. So, I think there's just layers and layers that are extremely difficult to kind of get into, I shouldn't say in terms of dialogue, in terms of investigation, but in terms of the possibility of creating different dynamics that would maybe represent or produce the kinds of dynamics and worlds that, I think, a lot of people would want to live in.Leslie: Yeah, I totally agree. I mean, I think in a lot of cases, and you honestly don't have to dig very deep, you can open up CBC News and see some poor, sad landlord story most days of the week or listen to kind of corporate or larger scale landlords talk and they often see tenants as a nuisance.“The tenants themselves are a problem,” and if they could invest in real estate and still make [00:42:00] these returns without actually having tenants, that would probably be ideal. And I think that is also part of the push to an Airbnb is that with a temporary guest, you know, a week, a weekend or whatever, you don't have the same responsibility to them as you do to someone with a year lease or perhaps the right to stay there for a longer period of time. So, all you have to do is kind of provide this very basic amenity of the space. You can even impose all these rules on them that you maybe otherwise wouldn't be able to do if it was a longer-term rental.You know, the people who check-in have many fewer rights than actual tenants do. And so in some ways it makes that relationship even more transactional and even more hands off in many cases. And of course there's the quicker profit motive is really the main driving force behind that. But I think there's also this piece of it where it's like, “well, how can I maximize the profit potential of this space with as little actually dealing with other human beings and their needs [00:43:00] as human beings as possible.And yeah, I think that is really, again, from my kind of feminist perspective, that is also interested in thinking about how do we create systems of care in our cities, and what does “care” mean, and what are our responsibilities to one another that, when we look at something like Airbnbification and the touristification and gentrification more generally, those things, in many cases kind of act against the possibility of creating more caring and careful spaces.Chris: Hmm, hmm. Yeah. Thank you for that, Leslie. I have a couple more questions for you, if that's all right?Leslie: Yes, go ahead. Yeah.Chris: All right. Wonderful. So this next question maybe requires a bit of imagination, which I think you have a good amount of, and it has to do with rent.And so one of the lies that you highlight in your book is the belief that gentrification is natural and hence forth inevitable. [00:44:00] And of course, as we've been discussing, nothing is natural nor inevitable and you make an excellent case for that throughout the book. And I feel that there is an equally and perhaps more subtle incarnation of this myth, of this inevitability, in regards to rent, that we as urban people or modern people who grow up in contemporary societies often reinforce and even naturalize a kind of rent slavery that most people rarely see, that most people rarely see their lives as indentured to their landlords.And so, when we talk about gentrification, does this show up at all? Should it? You know, this notion that, “well, if we can come to gentrification and understand that it's in fact not natural and it's not inevitable, can we do the same thing for rent? Because, maybe I haven't read much of the research, but it doesn't seem to be something that [00:45:00] people are so quick to aim their arrows at, we'll say.Leslie: Yeah. I love that question. And I think A, you're right that there hasn't been enough conversation about that. There has not been nearly enough attempts to kind of denaturalize this and B, that that perspective is emerging and growing. If I could recommend a book called The Tenant Class by Ricardo Tranjan. It's also a Toronto-based author, and he does an amazing job in this very short book of basically laying out the case against landlordism, and it totally, as you say, kind of denaturalizing and pushes back on this idea that it's inevitable that there are a class of people that own property and a class of people that rent property, and that this is not inherently a deeply problematic relation. You know, this idea that it's not in some way akin to some kind of indentureship. And he really asks us to look deeply again at this [00:46:00] idea that, if you're a landlord, “well, I have a mortgage to pay, so it's somehow natural that this other person will pay my mortgage for me,” which, when you start to think about it, like it's really messed up in a way. And once you see it, you can't unsee it. So yeah, I think looking more closely at some of these ideas, these kind of statements that come out, and again, you can see it in news articles, these kind of horror stories, and not to diminish, I'm sure, what are very real, like economic and psychological impacts of the so-called kind of nightmare tenant and all of those kinds of things.But you'll hear those kinds of statements: “you know, I have a mortgage to pay.”Well, why is this other person paying your mortgage, then?And then we could probably take a step back and be like, “why do we have mortgages to pay?” But that's maybe another conversation.But yeah, so I definitely recommend that book, The Tenant Class, as a really quick, easy to read, and kind of unforgettable primer on this question. And [00:47:00] I really appreciate you asking it, and I hope your listeners will be like, “oh, yeah, I gotta dig into that a bit more too.”Chris: Yeah.Yeah. I mean, you know, in part because, as prices have risen in most western countries in the last four or five years, there's of course, of course, protests and backlash among people, and “oh, this bakery raised their prices” or “ my rent's going up,” and all these things. But specifically in terms of products and services, you know, people complain or they just accept the fact that prices have risen to a degree that's pricing a lot of people out of their lives, really. But, you know, in the conversations I've had with people and in the literature that I've read, there's no consideration, I think, that the businesses who are raising their prices have had their rents raised, that so much of a business' costs include rent, right? And that very few businesses actually [00:48:00] own the building that they're working out of.Leslie: Yeah, commercial rent is a whole other story because, you know, the protections on residential rent are not what they could be in most places around the world, but there's no protections on commercial rent, like no limitations there. So it's entirely possible that local bakery, their rent could go up by, like double. It could go up from $20,000 a year to $60,000 a year. There's no restrictions on that. There's nowhere to appeal that. There's nothing. So, they are, in some ways, even those small businesses, especially, independent businesses and so on, are very at risk of this. And there's a whole branch of kind of retail gentrification studies as well that kind of looks at the impacts on the local economic landscape of things like this as well. Yeah.Chris: Hmm. Wow. Thank you for unveiling that for us. I mean, uh, so much.So my last question, Leslie, has to do [00:49:00] with what is mentioned in your book, what you refer to as “the right to stay put.”And so,“the right to stay put is a common rallying cry in response to the dangers of displacement. Drawing inspiration from the broader notion of the right to the city, the right to stay put insists that communities are entitled to remain in the places they have contributed to. Furthermore, the right to dwell extends beyond simply having a home in an area, encompassing the right to continue using commercial, community, and public spaces and institutions, as well as the dignity of defending such rights. Importantly, it recognizes that agency is a critical factor. People do not want to be forced to move, nor do they want to be forced to stay in place. Rather, people value choice, the ability to participate in [00:50:00] decisions that affect their communities and the right to resist when they need to.”And so I'm curious what you think it would take for people, say, in urban environments to achieve or enshrine the right to stay put or the right to dwell in their places.Leslie: Yeah, I think we could talk about kind of two main avenues. One would be more of the top-down approach, which is to work to enshrine anti-displacement measures in neighborhoods, which can include everything from rent control or rent stabilization, to the right to return when there are redevelopment projects going on, to deeply affordable housing in new developments, to communities themselves taking on the role of becoming developers, but creating housing within the community for the [00:51:00] community. Not to draw in new residents or not to primarily draw new residents. Again, we're not trying to like, build a fortress around communities or anything, but rather to say, “this is housing that we're earmarking for people from the local community who are struggling with their rent or struggling to find housing, or who need perhaps entry-level home ownership opportunities and to kind of provide that.So there's the kind of top-down approach, really pushing our local governments to have things like community benefit ordinances when new developments are happening that force developers to actually pay attention to what the community needs and to provide those benefits and such.And then, from the kind of ground-up or more grassroots piece, the right to stay put is the the willingness, the ability to organize and come together in some of the places that I mentioned throughout the book. You know, it really [00:52:00] is community-level organization where people have really rallied to make it deeply difficult for planners or developers to kind of roll in and roll out their vision without any pushbacks, to the extent that their neighbourhoods become less of a target for gentrification, because it's like, “oh yeah, we wanna build something there. Oh, that's gonna be a real pain in the butt. The community is not gonna let us get away with what we wanna do.” And that means really making it possible for people to come out to meetings, organizing protests, that kind of right to resist. Sometimes taking... You know, we have long histories in many cities of squatters movements and perhaps we need to revitalize some of that old energy, as well. A kind of refusal to leave. And to find ways, you know, perhaps they don't always have to be kind of in-your-face protest ways, but what are ways to mobilize things like mutual aid to help make sure that our [00:53:00] neighbors are supported, for example, if they have to go before a landlord-tenant board, how can we use community resources and knowledge to actually support one another to stay in place?And that can be everything from addressing food insecurity to having a local rent bank, to partnering with nonprofits, churches, other religious institutions that may have an interest in building social and nonprofit housing to create some of those options.So I think it's about looking at the kind of wide range of alternative forms of housing and housing provision, looking at community mobilizing, community resources, and also tackling the local policy agenda to make staying put as possible, or to enshrine it as a right at a kind of higher level, as well.Chris: Hmm, hmm. Yeah, you go into [00:54:00] great detail about this in the book, and I'm very grateful for that. And the right to stay put kind of jumped out, the text jumped out of the page at me, because living here in Oaxaca, I came to know about this declaration that was created in 2009 by people in a number of communities here in the Mixteca region of Oaxaca who were meeting with their migrant kin who had gone to work in California and the people who had stayed in the community.And the declaration is literally translated as “the right to not migrate.” The way it was translated in English by the author of the book of the same name, was “The Right to Stay Home.” And so while there's a lot of differences between these contexts in terms of rural, indigenous communities here in Mexico and modern urban communities in the global north, there is this sense, [00:55:00] this kind of perhaps shared context wherein the ability to to stay in a place in order so that community can be conjured and maintained and of course enjoyed and lived in, seems to thread its way through these different social movements from the global north into the global south.So, I'm really grateful to see that and to know that there's similar understandings, of course not the same, but similar understandings that are even somewhat unorthodox and unexpected given the political context that sometimes challenge them or preclude something like that from coming up.So that's a little way of saying thank you for your time today, Leslie. On behalf of our listeners, I'd like to thank you for your willingness to join me and to speak to these often complex issues. And on behalf of them, I'd also like to ask you how they might find out more about [00:56:00] your work and your books: Gentrification Is Inevitable And Other Lies, Feminist City: Claiming Space In A Manmade World, and finally Higher Expectations: How To Survive Academia, Make It Better For Others, And Transform The University.Leslie: Yeah, thank you so much for this conversation. People can find out about me and my work at my website, which is just lesliekern.ca.If you just google my name, it will come up easily enough. Feminist City and Gentrification Is Inevitable And Other Lies. For an international audience, you can find those books through Verso books in the US and UK. There's also many translations of both of those books, so you may have the opportunity to read it in your local language if you want to do that as well.The more recent book, Higher Expectations is available from my Canadian publisher Between the Lines Books and in the US [00:57:00] from AK Books, as well. And there's also Epub versions and for the first two books, audiobook versions as well. And I've written lots of articles on these topics as well, in the Guardian and other places.So you can get a little snippet of my thoughts if you, again, Google my name and all of these things will come up in short order. So thank you for letting me share that as well.Chris: Yeah, of course. I'll make sure that the links to all those pages that you mentioned are available on the End of Tourism website and the Substack when the episode launches.And once again, Leslie, a really beautifully revealing conversation today. I think it's something that will not just provoke generally, but provoke a willingness in our listeners to reconsider some of the assumptions that they've had about gentrification.So, once again, thank you for your time today.Leslie: Thank you for having me. I really enjoyed the conversation. Appreciate it. Get full access to Chris Christou at chrischristou.substack.com/subscribe

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CEO Glow Show Hosted by Sheila Bella, Founder of Pretty Rich Bosses What would happen if you put your beauty business in the hot seat… and had it audited live? In this episode of the CEO Glow Show, Sheila Bella breaks down a lash artist's business in real time and shows exactly how to go from "kind of booked" to fully booked — and eventually building a team. In under 20 minutes, Sheila identifies the real bottleneck holding this business back and explains the three marketing machines every beauty entrepreneur needs: ✔ Visibility ✔ Booking ✔ Service Delivery If you're relying mostly on word-of-mouth… If you're 60–70% booked but not consistently full… If you want to double your income but don't know where to start… This episode is your blueprint. Sheila covers Instagram SEO updates, organic vs. paid reach, email marketing strategy, branding, Google visibility, and why most beauty pros choose renting over building simply because they don't know how to create an automated marketing machine. This is tactical. Strategic. And immediately actionable.

Something shifted in January — and this January 2026 Denver real estate market update breaks down exactly what’s happening. Rents are resetting to 2018 levels. A third of all available apartments were built in the last decade. Colorado now ranks 5th nationally for outbound moves. 55% are leaving the state — the highest since 1990. Landlords across the Front Range are holding rents flat or cutting them just to keep units filled. But here’s what most people are missing — this same pressure is creating buying opportunities that haven’t existed in over a decade. Chris Lopez sits down with his monthly market panel. Troy Howell with Nova Home Loans, Jeff White with Envision Advisors, Jenny Bayless covering Colorado Springs, and Shawn Riley from KeyRenter Denver all join the conversation. The group digs into the numbers. They share what they’re seeing firsthand from their own portfolios, clients, and deal flow. Things get real when Chris reveals a fourplex across the street from his own just sold at his 2018 purchase price. That confirms what the data has been showing about multifamily. Then the panel unpacks a $30 million foreclosure on four central Denver apartment buildings. Zero bidders showed up at auction. Colorado residential land now averages $942,200 per acre — up 174% in a decade. That’s why starter homes have disappeared entirely. And Shawn Riley shares that rents on condos and townhomes are down 7-10%. Apartments are offering up to three months free rent, making it brutal for older inventory to compete. In This Episode We Cover: Colorado Springs hits 4.5 months supply — officially tipping into a buyer’s market while prices hold mostly steady Why Denver inventory is building 7-8% year over year and new construction spec homes still aren’t moving even with builder-subsidized 4% rates The rental market resetting to 2018 levels and why landlords are holding rents flat to avoid costly turnover Section 8 developments including Denver paying 120% of fair market rents but freezing new voucher issuance and rent increases Room by room rental demand softening — what co-living operators need to know heading into spring Why the panel says this is Colorado’s first real buyer’s market in a decade and the 1031 exchange strategy to capitalize on it The new Fed chair nomination and what rate improvements of 0.50-0.75% from last year mean for refinance opportunities If you’ve been waiting for a 2026 Denver real estate market update that actually tells you where the deals are, this is it. Whether you’re sitting on single family properties eyeing a move into multifamily, a landlord figuring out the right rent price, or an investor ready to pick up distressed deals at steep discounts, the panel breaks down exactly where things stand right now. Watch the YouTube Video https://youtu.be/LJq5IzPcPbM Timestamps 00:00 — Welcome & Guest Introductions  01:13 — Colorado Springs January Stats — New Listings Nearly Double  03:44— Denver Boots on the Ground — Relisting Surge & Condo Financing  05:39 — Denver Metro Trends — Inventory Building & Prices Flat  07:44 — Colorado Land Up 174% — Why Starter Homes Don’t Exist  09:40— Builders Sitting on Unsold Spec Homes  11:11— Colorado Ranks 5th for Outbound Moves  11:55— Rental Market Reset — Rents Feel Like 2018  15:45— Room by Room Rentals — Flat Rents & Co-Living Rebrand  21:58— Section 8 Voucher Changes & Denver Paying 120% of Fair Market Rents  27:51 — Multifamily at 2018 Prices & $30M Foreclosure With Zero Bidders  35:05 — Renting vs. Buying — Jenny’s Real Numbers Comparison  37:53 — Mortgage Rates & New Fed Chair Nomination 41:24— Buyer’s Market Playbook — Time for Disrespectful Offers Connect with our Guests Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Shawn Riley: shawn@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: Jenny@envisionrea.com Links in Podcast Apartment vacancy in metro Denver reaches highest rate in 16 years, pushing down rents again Realtors say it's still a buyer's market in Colorado, but high housing costs keep renters renting  Mortgage Calculator Lender forecloses on four central Denver apartment buildings Denver Multifamily Hits 2009 Cap Rates (8 Indicators We’re at the Bottom) Download the Free House Hacking Spreadsheet Subscribe to our Reactivated Deal Alert Emails Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Text us your questions to answer on a future episode (if you want me to contact you, please include your email)Rolf and Irene Meyer sit down with Jennie to talk about how to decide if an RV rental is right for you as well as some of their favorite places to travel with an RV in in Alaska and the Yukon.GoNorth RV and Car Rental (use code GONOA for a mileage package)Join the Alaska Planning Club on Patreon and ask me anything!Book an Alaska planning session with JennieSign up for Jennie's free weekly email newsletter - Alaska InsiderHave Jennie plan your trip for youJennie's digital workshops and planners (save 10% with code: podcast)Follow Jennie on InstagramSupport the show

Renting is no longer a stepping stone. In our latest episode of The Multifamily Review, we unpack new research on the rise of the "Deliberate Renter," why homeownership is losing its cultural pull, and the $4,000 cost of getting retention wrong in 2026. From the Upgrade Matrix to the Resident Disconnect, this is your roadmap for competing in a market where experience, not occupancy, drives performance.

The Wootton High School shooting revives calls to bring SROs back to MCPS schools. MontgomeryCounty Councilmember Dawn Luedtke on why. Magruder High School in Derwood often gets overlooked in MCPS planning. PTSA President Kim Glassman wants answers. The Montgomery County Democratic Central Committee can now for the first time become involved in non-partisan Board of Education races. Chair Pam Luckett explains when. College Park Mayor Fazlul Kabir on city efforts to protect its student renters. And more. Newly in public domain music by George Gershwin, Paul Whiteman band, and Marian Andersen.

Learn all aspects of Halacha through our 10 minutes a day Kitzur Shulchan Aruch Yomi with Rabbi Ya'akov Trump. This series is kindly sponsored by the Moshe Group & CA In the zechus of רבקה בילה בת נחמה שיפרה And in honor of Rabbi Trump Photo Credit BigNazik Adobe Stock

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3459: FIRECracker challenges the myth that homeownership is the key to financial security by showing how renting can lead to greater career freedom, lifestyle flexibility, and investment growth. Drawing from personal experience, she reveals how avoiding the hidden costs of buying property helped her retire early and live on her own terms. Read along with the original article(s) here: https://www.millennial-revolution.com/rent/renting-will-make-you-rich/ Quotes to ponder: "You are renting a place for free. Let me repeat that. You are renting FOR FREE." "Renting is NOT throwing your money away, and buying a house comes with WAY more hidden costs than you think." "You don't fall into the trap of having all your money locked in ONE asset, whose price you CAN'T control." Episode references: Quit Like a Millionaire: https://www.amazon.com/Quit-Like-Millionaire-No-Gimmicks/dp/0525538690 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3459: FIRECracker challenges the myth that homeownership is the key to financial security by showing how renting can lead to greater career freedom, lifestyle flexibility, and investment growth. Drawing from personal experience, she reveals how avoiding the hidden costs of buying property helped her retire early and live on her own terms. Read along with the original article(s) here: https://www.millennial-revolution.com/rent/renting-will-make-you-rich/ Quotes to ponder: "You are renting a place for free. Let me repeat that. You are renting FOR FREE." "Renting is NOT throwing your money away, and buying a house comes with WAY more hidden costs than you think." "You don't fall into the trap of having all your money locked in ONE asset, whose price you CAN'T control." Episode references: Quit Like a Millionaire: https://www.amazon.com/Quit-Like-Millionaire-No-Gimmicks/dp/0525538690 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3459: FIRECracker challenges the myth that homeownership is the key to financial security by showing how renting can lead to greater career freedom, lifestyle flexibility, and investment growth. Drawing from personal experience, she reveals how avoiding the hidden costs of buying property helped her retire early and live on her own terms. Read along with the original article(s) here: https://www.millennial-revolution.com/rent/renting-will-make-you-rich/ Quotes to ponder: "You are renting a place for free. Let me repeat that. You are renting FOR FREE." "Renting is NOT throwing your money away, and buying a house comes with WAY more hidden costs than you think." "You don't fall into the trap of having all your money locked in ONE asset, whose price you CAN'T control." Episode references: Quit Like a Millionaire: https://www.amazon.com/Quit-Like-Millionaire-No-Gimmicks/dp/0525538690 Learn more about your ad choices. Visit megaphone.fm/adchoices

More American women are single than ever before, but our financial system is still built for couples. In this episode, Jean Chatzky sits down with finance journalist and author Renée Sylvestre-Williams to unpack the hidden financial penalties of being single (aka The Singles Tax) and what solo earners can do to protect themselves, build wealth, and plan for retirement on their own terms. We're talking about: What the “Singles Tax” really is—and where it hits hardest Why single women may need larger emergency funds and more downside protection Renting vs. buying: how to decide what's right for you The most overlooked tax strategies for single women The biggest retirement planning mistake single women make

The UK's private rental market has grown dramatically over recent decades, creating what often feels like a tale of two nations: ‘Generation Rent' who are priced out of home ownership and unable to access social housing; and buy-to-let investors who view property as a reliable income stream or pension plan.Rising rents, poor conditions and fierce competition for homes have fuelled frustration with landlords, prompting political efforts to strengthen protections for tenants and increase tax pressure on property owners.Now the sector is facing a turning point – with large institutional investors, backed by pension funds, for example, playing an increasing role. Evan Davis and guests discuss the state of the UK rental market and where it might be heading. Guests: Ashley Winston, Director of Palmdale Car Finders Andy Graham, Host, HMO Podcast Polly Simpson, Head of multi-family development at SavillsProduction team: Presenter: Evan Davis Producer: Sally Abrahams Production Co-ordinator: Katie Morrison Sound engineers: Ben Andrews and Tim Heffer Editor: Matt Willis The Bottom Line is produced in partnership with The Open University

Scripture reminds us that wisdom often begins with counting the cost. As the average age of a first-time homebuyer approaches 40, many people are asking an important and sincere question: Is now the right time to buy a home—or should we continue renting?That question usually reflects a desire to make a wise, lasting decision—one that supports long-term stability rather than undermining it. Before comparing monthly payments or imagining life in a new space, it's worth taking a clear-eyed look at what it truly costs to move from renting into homeownership.The Upfront Costs Many First-Time Buyers MissOne of the biggest surprises for first-time buyers is the sheer cost of getting into a home. The pre-approval and closing process involves numerous expenses, including appraisals, inspections, credit reports, earnest money, title searches, loan origination fees, and closing costs. Taken together, these can add up to thousands of dollars before move-in day ever arrives.For renters transitioning to homeownership, these costs are typically paid out of pocket. That's one reason many advisors encourage having close to 20% of the purchase price available—not only for a down payment, but to create margin for the entire process. This isn't about delaying dreams unnecessarily; it's about ensuring homeownership doesn't begin with financial strain.Many renters feel a growing weariness with paying rent month after month, especially compared with building equity. That desire for something tangible and lasting is understandable—but it's important to remember that rent is not wasted money.Rent pays for shelter, safety, maintenance, and predictability. It meets a real and ongoing need and, in that sense, pays for a valuable service. During certain seasons of life, that flexibility and stability can be a wise and intentional choice.Understanding What a Mortgage Really IncludesIt's also helpful to understand how a mortgage payment actually works. A typical payment includes principal, interest, property taxes, homeowner's insurance, and often private mortgage insurance if you own less than 20% of the home's value. In some cases, HOA fees are also added.In the early years of a traditional 30-year mortgage, a significant portion of each payment goes toward interest rather than reducing the loan balance. Thirty-year mortgages can still be wise—they keep payments manageable and allow flexibility if you want to make extra principal payments—but they are designed to be long-term loans. Early equity growth often comes more from market appreciation than from paying down the balance.Rising home prices can create fear about waiting too long, pushing buyers to act before they're ready. While market trends are worth paying attention to, they shouldn't be the deciding factor. A home should fit your current season of life and support your responsibilities and priorities—not stretch your finances or limit your ability to live and give faithfully.It also helps to release the pressure of finding a “forever home.” On average, first-time buyers stay in their homes seven to ten years. Career changes, growing families, and life transitions often make moving a natural part of the journey. The first home simply needs to perform well in the current season.Rising Costs Don't Disappear with OwnershipRising rents are another common frustration, especially when lease renewals result in higher monthly costs. But owning a home doesn't eliminate rising expenses. While a fixed-rate mortgage keeps principal and interest steady, property taxes and homeowner's insurance typically increase over time. Even after a mortgage is paid off, those costs remain.Maintenance is another reality worth considering. Once you own a home, repairs are your responsibility—roofs, plumbing, electrical systems, and heating or cooling issues can bring unexpected expenses. While insurance offers protection, deductibles and coverage limits often mean high out-of-pocket costs, and filing claims may lead to higher premiums later.Renting, by contrast, offers predictability. Repairs are the landlord's responsibility, which can provide stability during periods of debt reduction or saving. The phrase house poor exists for a reason. Buying before you're ready can strain budgets, limit generosity, and leave you feeling trapped rather than thankful.While homeownership can be a blessing, it's not a measure of faithfulness—and it isn't right for every situation. Sometimes, the wisest choice is to continue renting, patiently preparing for what comes next, and trusting that God's timing is often kinder than our urgency.On Today's Program, Rob Answers Listener Questions:I'd like to understand what an irrevocable trust is and how it works.I have $30,000 I'd like to invest outside of real estate. I won't need the money for about 10 years. Where would you recommend investing it?I took out high-interest loans to pay for my wife's dental work, but my hours have since been cut, and I've drained my savings. Is there a way to consolidate this into one lower-interest loan so my payments actually reduce the balance?About 25 years ago, I filed for bankruptcy for around $3,500 when I was struggling financially. I'm in a better place now and receive my ex-husband's Social Security. Is there any way—or reason—to repay that old debt?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsChristian Community Credit Union (CCCU) | AdelFiSoFi | Marcus | LightStream | Bankrate | NerdWalletCharles Schwab Intelligent Portfolios | FidelityOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Luke 14:28, readers are wisely reminded to count the cost. With the average age of a first-time homebuyer now approaching 40, many are wondering whether the right time to buy is now or if renting is still the best option. On the next Faith & Finance Live, Rob West explores some common misunderstandings and explains how to approach homeownership with wisdom and patience. Then, it’s on to your calls. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

What is the home buying process in Arizona? If you're renting, thinking about buying, or trying to understand how buying a home actually works in Arizona, this episode breaks it down step by step. In this episode of State 48 Homeowner, Scott Kooiman and Twila Edwards of Klaus Team walk through the Arizona home buying process from start to finish, using real-world examples and today's market conditions. This episode covers: • Renting vs buying in Arizona • When it makes sense to stop renting • How to choose the right buyer's agent in Arizona • What a Klaus Team Home Guide does for buyers • Mortgage pre-approval vs pre-qualification in Arizona • Why you cannot make an offer in Arizona without a valid pre-approval or proof of funds • How buyers determine what they can afford • Solidifying home buying criteria after pre-approval • What it's like to view homes with a buyer's agent • How offers work in Arizona real estate • Earnest money in Arizona and how it applies to your down payment • Close of escrow timelines and contract strategy • What items are included in a home purchase • Who pays closing costs in Arizona • What happens when your offer is accepted • The Arizona home inspection process • The Arizona BINSR (Buyer's Inspection Notice and Seller Response) explained • Negotiation strategy, buyer protection, and advocacy • The appraisal process in Arizona • The closing process and getting the keys This episode is designed for first-time home buyers in Arizona, renters considering buying, and anyone who wants a clear explanation of how the Arizona real estate process works. If you've ever asked: How do I buy a house in Arizona? What are the steps to buying a home in Arizona? Is buying better than renting in Arizona? This episode is for you.

Renting vs. buying a house. Everyone has the debate completely wrong, and it's costing Americans their financial freedom. “Live in Los Angeles? Guess you have to rent. Live in the Midwest? Guess you should buy.” What if there was a way to grow your wealth no matter where you live, how much home prices are, or what's going on in the housing market? What if you could get richer while renting? What if your simple, affordable house could propel you toward financial freedom? What if you could make hundreds of thousands of dollars, tax-free, by buying the home everyone overlooks? Today, we're showing you how to do all of them. We'll give you three scenarios to buy, rent, or do a combination of both, and get wealthier in the process. Plus, Dave shares his “cheat code” investment strategy that gets him cheaper homes that he'll love living in and makes him substantially wealthier in the process. It's not buy vs. rent. It's about building your wealth no matter your choice.  In This Episode We Cover Renting vs. buying a house: The (not so obvious) answer nobody is talking about How to turn your home into future cash flow and what to look at before you buy The overlooked strategy Dave is using to make hundreds of thousands on his primary residence  Live in an expensive city? This is how to rent and invest, so you always grow your wealth  How just one house hack property can allow you to buy your dream home (Henry's strategy) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1236 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Writer and co-director Shaun Wu joins Filmmaker Mixer to unpack the making of HENRY BY THE HOUR, an inventive indie series about a 30-something Asian man who rents himself out as a friend—spending one hour each with five different clients.Shaun breaks down how the film's high-concept premise shaped the screenplay, how to write multiple characters through a single protagonist, and what it takes to co-direct a personal, performance-driven story on an indie scale. The conversation dives into building empathy without sentimentality, using structure as storytelling, and navigating representation without reducing a character to identity.This episode is a must-listen for filmmakers interested in concept-driven indies, character studies, and stories about modern loneliness and human connection.

Property expert and investment strategist Ravi Sharma joins James Smith to reveal the problem with the global housing market. This is no longer just a hurdle for first time buyers; it is a systemic time bomb that is stripping away financial agency and threatening the future of social mobility. The quiet crisis of skyrocketing prices is not an accident of the market, but the result of a rigged system that prioritizes corporate incentives over human survival. Ravi Sharma's YouTube Channel: https://www.youtube.com/c/PersonalFinancewithRaviSharma We cover: ⬛ Why Housing Affordability is a Global Crisis ⬛ Property, Pensions and the Rigged System ⬛ The Truth About Mortgages and Wealth Building ⬛ Renting for Freedom vs Buying for Status

Planning an Ireland vacation can feel overwhelming when you start adding up the numbers -but a memorable trip doesn't have to be out of reach. With smart choices and a few intentional trade-offs, travelers can enjoy Ireland fully without overspending. Guinness costs less in a rural pub This article is also available as the Traveling in Ireland podcast, episode 324. Use the player below to listen or scroll to continue reading the article and get resource links. How to Travel Ireland on a Tighter Budget Without Regret Ireland isn't expensive because of one single thing – it's the accumulation of daily costs. Understanding where money actually matters (and where it doesn't) makes all the difference. What a Realistic Daily Budget Looks Like For travelers watching their spending, typical daily costs (not including flights) often look like this: Budget-conscious travelers: around €130 per day Mid-range comfort: approximately €180 per day Comfort & luxury: €300+ per day That daily spend usually includes accommodations, meals, transportation, and attractions. Knowing this baseline helps travelers decide where to adjust – without sacrificing what they'll remember most. Comfort Matters More Than Luxury Most travelers are happy to skip fancy hotels, upgraded rooms, or city-center addresses. What they won't give up: A good night's sleep Private rooms and quiet locations Comfortable beds and reliable hot water (with good water pressure) Discomfort creates regret, and regret has a way of coloring the entire trip. Local goats cheese with greens and Shepherd's pie Spend Less on Food-But Eat Well Dining is one of the easiest places to adjust spending. Plan fewer, better meals instead of eating out constantly Avoid high-priced areas like Temple Bar for everyday meals and pints Choose accommodations with breakfast outside the cities Use grocery shops or petrol stations for casual lunches or picnic supplies Saving money on food isn't about deprivation – it's about choosing when the experience really matters. Guide to Eating Well During Your Ireland Vacation Stay Outside the Most Expensive Areas Staying just outside major hubs can significantly reduce accommodation costs. Villages near Dublin connected by DART or bus offer better value Rural areas near popular spots like Killarney, Dingle, or County Clare beyond Doolin often cost less The trade-off is time and logistics. Distance is flexible; complicated transportation and missed evenings in local pubs are not. Off-Season Travel: Big Savings, Different Rhythm Traveling outside peak season can mean:Pros Lower airfare and accommodation costs Fewer crowds Easier access to popular sites Cons Shorter daylight hours (often 8 hours or less in winter) Cooler, wetter weather Reduced hours or closures at smaller attractions Off-season trips suit flexible travelers, repeat visitors, and those who enjoy a slower pace. Transportation: Money vs. Time Public transportation is affordable, but it comes with trade-offs: Limited access in rural areas Longer travel times Less flexibility if plans change It works best for city-based itineraries with structured day trips. Renting a car costs more -but saves time and opens up more of the countryside. Flights: Cheapest Isn't Always the Best Deal Bare-bones airfare can backfire once baggage fees, seat selection, or change costs are added. Look for fares that include a checked bag and flexibility Learn typical pricing so true deals stand out Flexibility upfront often saves money later Flight search & fare tools for Ireland Flight monitoring & booking strategy (best timing for fixed dates) Ross Castle in Killarney Free Experiences & the OPW Heritage Card Ireland offers an incredible range of free experiences: Natural landscapes, hikes, and ruins National museums in Dublin and Castlebar One of the best values for travelers is the OPW Heritage Card, which often pays for itself in six or seven visits. It covers many top sites, including: Rock of Cashel Glendalough Visitor Centre Newgrange Kilmainham Gaol OPW Heritage Card (access to top historic sites) Irish heritage sites (the most popular + often overlooked) Used thoughtfully, it shapes a relaxed itinerary instead of becoming a checklist. Souvenirs That Actually Matter Travelers are moving away from mass-produced trinkets and toward: One or two meaningful items (jewelry, wool, crafts) Consumables like Irish chocolate or whiskey Memory-keepers like journals with ticket stubs and photos (the spiral bound My Ireland Vacation Planner & Journal is perfect for this!) The goal isn't proof of travel – it's connection and memories. Where Travelers Most Often Have Regrets After the trip, regrets rarely come from spending money. They usually come from: Overly long driving days Skipping a must-do experience Choosing poor accommodations What travelers don't regret: A truly great meal Staying somewhere special (yes, castles count) Buying a meaningful souvenir Saving money should never come at the cost of time – because time doesn't come back. Traveling Ireland on a tighter budget isn't about being cheap. It's about being intentional, returning home with great memories, and not wishing you'd done things differently. The post Ireland on a Tighter Budget: Smart Ways to Spend Less, Not Miss Out appeared first on Ireland Family Vacations.

Ross Correia is the Co-founder and CEO of Reactiv, an AI-powered mobile commerce platform. Under his leadership, Reactiv has raised significant seed funding and forged partnerships with major retail brands. Before Reactiv, Ross held sales and leadership roles at companies, including Shopify. He has also been named to Forbes' 30 Under 30 list for retail and e-commerce.  In this episode… Most e-commerce brands believe they own their customers — until ad costs spike, algorithms shift, or attribution breaks overnight. When growth depends on rented attention, even healthy revenue can hide fragile foundations. What allows brands to build durable growth and real customer relationships in an increasingly noisy digital world? Mobile app builder Ross Correia maintains that the strongest brands focus on ownership over optimization — prioritizing direct relationships, reducing friction at every touchpoint, and meeting customers where and when they're most receptive. Brands should stop over-optimizing short-term metrics, design experiences that feel native to how people use their phones, personalize outreach thoughtfully, and choose long-term trust over quick wins. The result is sustainable growth rooted in loyalty, not volatility. In this episode of the Up Arrow Podcast, William Harris talks with Ross Correia, Co-founder and CEO of Reactiv, about building owned customer channels in e-commerce. Ross explains why paid ads create hidden risk, how mobile-first experiences increase retention, and what it takes to build a company — and culture — by choosing the difficult but durable path.

Are you currently debating whether to "Buy Term and Invest the Difference" or build a private banking system with Whole Life?In this episode, David Befort and Paul Fugere put the most popular financial advice—including Dave Ramsey's top talking points—through the IBC Stress Test. If you've been told that Whole Life is a "scam" or that you should only ever buy Term, you are likely missing the most critical piece of the puzzle: The Difference Between Renting and Owning.Why you need to listen to this episode: Most people are taught to treat insurance as a "sunk cost" or a necessary evil. But what if your premium wasn't a cost, but a transfer of assets? We dive deep into why "renting" your protection through Term insurance often leads to a dead end, with ~98% of policies never actually paying out a death benefit.In this episode, we break down:The "Renting" Trap: Why Term insurance is designed to expire just when you need it most, and why "investing the difference" often fails in the real world.The Ernst & Young Reality Check: We discuss the landmark study that shows "Buy Term and Invest the Difference" (BTID) consistently finishes dead last when it comes to retirement spending and legacy.The "Both/And" Strategy: How to use Convertible Term as a bridge to a high-performance IBC policy, allowing you to stop the "leakage" of your wealth and start the process of uninterrupted compounding.Debunking the "Company Keeps Your Cash" Myth: We clarify exactly how your cash value and death benefit work together so you can stop being afraid of the "living benefits" of your policy.Whether you are a "Dave Ramsey person" looking for a second opinion or an investor searching for a way to maximize your Human Life Value, this episode will show you how to stop wasting money on temporary fixes and start building a permanent financial foundation.Stop being a tenant in your own financial life. It's time to become the landlord.About your hosts: https://www.thewealthwarehousepodcast...David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below!

What Happens When a Startup Runs Out of Money | The Financial  Operator Podcast | Episode 76 What happens when you do everything right, and still run out of money? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with  Andrew Ackerman, Head of REACH Labs at Second Century Ventures, to unpack the  realities of startups, fundraising, and what actually separates the companies that survive  from the ones that quietly disappear. Andrew shares his firsthand story of building a startup that was gaining traction until a  single world-changing event erased a signed term sheet overnight. From there, the  conversation expands into what founders really need to understand about capital,  leverage, timing, and decision-making. This episode covers: • What to do when funding disappears at the worst possible moment • Why "just take the money" is often the smartest early decision • The difference between venture-backed startups and traditional businesses • When fundraising should (and should not) be your full-time job • Why testing ideas cheaply beats building the wrong thing perfectly • The traits Andrew sees consistently in founders who succeed • How to find the one clear message that makes customers stop and listen If you're building a startup, considering raising capital, or trying to decide whether growth  should be funded or earned, this conversation will give you clarity without hype.  Watch now for a grounded, real-world look at startups, money, and making better  decisions earlier. ⏱️ Timestamps 00:00 Introduction & Guest Welcome 00:26 The Moment Andrew's Startup Ran Out of Money 02:10 Why Early Funding Can Disappear Overnight 03:20 "Just Take the Money": Lessons on Leverage 04:18 Which Businesses Should (and Shouldn't) Raise Venture Capital 06:57 Equity, SAFEs, and Convertible Notes Explained 08:37 When Founders Should Start Fundraising 11:47 Andrew's Path From Founder to Investor 16:14 Inside Accelerators and Early-Stage Investing 20:16 The Traits Andrew Sees in Successful Founders 25:32 Why Stories Teach Better Than How-To Guides 28:52 Testing Ideas Before Spending Real Money 33:39 Renting vs. Buying in the Early Stages 36:18 Finding the One Message That Stops Customers 45:03 Final Advice for Founders 49:00 Andrew's Book & Where to Find Him To connect with Andrew Ackerman's website: https://www.andrewbackerman.com Buy "The Entrepeneur's Odyssey" here: https://www.amazon.com/Entrepreneurs-Odyssey-Approach-Startup-Success/dp/1032883545/ref=tmm_pap_swatch_0 Don't forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB?  Visit: Website: https://mkbcfo.com Instagram: https://www.instagram.com/mkb_cfo/ Facebook: https://www.facebook.com/mkbcfo LinkedIn: https://www.linkedin.com/company/mkbcfo #StartupLife #VentureCapital #Entrepreneurship #FounderJourney #StartupFunding #BusinessGrowth #RiskManagement #CashFlow #Innovation #TheFinancialOperator

"Just checking in" is the fastest way to get ignored.In 2026, if your real estate business relies entirely on bothering people or burning cash on paid leads, you do not own a business. You are renting attention.In this episode, I dismantle the old-school sphere of influence advice. We move away from random, awkward check-in calls and replace them with a predictable Annual Review System.This shift positions you as a strategic wealth advisor instead of a desperate salesperson.I break down exactly how to structure the Annual Review call to add real value, even when home prices are flat, and why this is the single most powerful asset to stabilize your income in the shifting 2026 market.TIMESTAMPS 0:00 - The Problem with "Just Checking In" 1:03 - Why Paid Leads are Renting vs. Owning 5:22 - The Real Reason Most Sphere Systems Fail 8:01 - The Shift: Advisor vs. Salesperson 10:24 - The Annual Review System (Step-by-Step) 11:10 - How to Lead When Prices Are Flat 12:09 - Connecting Your Sphere to Listing LaunchesJOIN THE REAL ESTATE AGENT PLAYBOOK Ready to build a scalable business without the burnout? https://bit.ly/3Neh4hu#RealEstateSphere #RealEstateSystems #JeremyKane #RealEstateCoaching #RealEstate2026

In this candid solo episode, Jesse walks through a series of financial decisions that look "wrong" on paper but make complete sense when viewed through the lens of real life, values, and tradeoffs. Using personal examples, he challenges the idea that optimal spreadsheets should always dictate behavior, arguing instead that financial planning exists to support a life well lived—not to win theoretical efficiency contests. Jesse explains why holding excess cash even when expected returns favor investing, and prioritizing flexibility and simplicity over marginal tax optimization. Throughout the episode, he dismantles the myth that good planning means eliminating all inefficiency, emphasizing that peace of mind, optionality, and behavioral alignment often outweigh incremental gains. By reframing "dumb" financial moves as intentional choices made with eyes wide open, Jesse encourages listeners to separate true financial mistakes from decisions that are simply mismatched to someone else's values or risk tolerance—and to give themselves permission to choose what actually works for their lives. Key Takeaways: • Not all financially "inefficient" decisions are mistakes. Optimization often ignores behavioral and emotional realities. • Taking care of a low interest loan can offer peace of mind—despit better returns often being found in investments. • Leasing a car or renting a home may be the right move—depending on the situation. • Using an HSA early may seem like a bad idea, but it could help reduce stress elsewhere in our financial lives. • Being a "lazy investor" is often better than being a complicated investor. • Spreadsheets cannot fully capture human behavior. A "good" decision can look bad to outsiders and still be right. Key Timestamps: (00:46) – Sandbox Investing Accounts (04:48) – Paying Off Low-Interest Loans (09:37) – Leasing a Car: Pros and Cons (13:05) – Emergency Funds and Cash Allocation (19:56) – Balancing Emotions and Math in Social Security Decisions (22:17) – Owning Company Stock: Risks and Rewards (23:33) – Taxable Brokerage Accounts vs. Qualified Retirement Accounts (27:55) – Using HSA Accounts for Medical Expenses (29:51) – Renting vs. Buying: A Balanced Perspective (34:52) – The Concept of Lazy Investing (39:59) – Continuous Learning in Personal Finance Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ Personal Finance for Long-Term Investors is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Send us a message!In this episode, we are joined by Deepak Mehrotra, founder and CEO of California Design Den, for a practical discussion on how linen decisions affect short-term rental operations over time.Drawing from more than 20 years in textile manufacturing, Deepak shares how California Design Den evolved from supplying major retailers to working directly with short-term rental operators. The conversation focuses on how linen choices shift as portfolios grow, and why decisions that seem straightforward early on can become more complex at scale.Rather than treating linens as a one-time purchase, this episode explores them as an operational system that touches guest experience, laundry workflows, replacement cycles, inventory planning, and cost control.Episode Chapters:01:07 – Deepak's background in textile manufacturing and direct-to-consumer bedding04:55 – How and why STR operators became a core customer segment16:45 – Cotton performance and durability in high-turnover environments17:45 – Common reasons linens need replacement in STR operations13:33 – Renting versus owning linens and how operators assess the tradeoffs14:43 – Laundry considerations for in-house and outsourced models25:31 – Inventory availability, fulfillment speed, and consistency at scale31:56 – How linen strategy evolves as portfolios grow28:09 – Operational simplicity when managing linens across multiple propertiesConnect with Deepak:LinkedIn: https://www.linkedin.com/in/deepak-mehrotra-9752682/ Connect with California Design Den:Website: https://www.californiadesignden.com/ ✨ Exclusive Offer to Alex & Annie Listeners:Upgrade your guest sleep experience with California Design Den.Get 10% off with code AlexAnnie10OFF.Apply for California Design Den's Linen VIP Club to access preferred pricing and dedicated hospitality support.

Most excavation and heavy civil contractors don't fail because of bad work—they fail because of poor cash flow, bad equipment decisions, and overcomplicated growth. In this episode, Nate Morello breaks down how he's built a lean excavation business by focusing on payment schedules, job rhythm, and technology that replaces labor instead of adding overhead. If you're running municipal, commercial, or excavation work and feel like the business is starting to control you, this episode will hit close to home.Key Takeaways:✅ Cash flow beats contract size: Nate explains why payment schedules, retainage, and holdbacks matter more than landing “big” municipal jobs.✅ Technology should replace labor, not add stress: Grade control, rotators, and attachments only work if they fit your operation—not because someone else has them.✅ Don't buy gear for ego: Nate breaks down how screener buckets, rotators, and attachments paid off only because they matched his workflow.✅ Rhythm over perfection: Over-perfecting jobs kills momentum—focus effort where the customer actually sees value.✅ Time is the real cost: Renting, hauling, waiting, and delays quietly eat profit faster than most operators realize.Why It Matters:If you're trying to grow without losing control—or wondering why the work feels harder even though you're “busy”—this episode shows how experienced operators think long-term.Links:➡️ Check out Nate Morello's MC Build Facebook Page:⁠ https://www.facebook.com/mcbuildnh➡️ Shop Attachments: Build your business with the right attachments. ⁠⁠⁠⁠⁠⁠https://www.skidsteernation.com⁠⁠⁠⁠⁠⁠➡️ Marketing Help: Marketing built for blue-collar contractors. ⁠⁠⁠ https://getthrottledup.com/

This episode introduces the rent replacement strategy as a powerful mindset shift for first-time homebuyers. In part one of the First-Time Homebuyer Playbook, David Sidoni lays out the essential mindset every buyer needs before they ever look at a home: the rent replacement strategy. Rather than comparing rent and mortgage as separate costs, David explains how your rent can—and should—be replaced with a fixed, wealth-building home payment. The episode challenges the fear of becoming “house poor” by breaking down the math of equity growth, tax benefits, and long-term stability. This is the playbook to avoid financial regret and take real control of your housing future. “Renting is about survival. Owning a home is about growth.” Highlights What is the rent replacement strategy, and how can it help you afford a home?Why do so many renters regret not buying sooner?How does understanding full financial math debunk the fear of being house poor?What low down payment options and strategies can first-time buyers use today? Referenced Episodes355 – Real Answers Pt 4: Should I Rent or Buy in 2025?415 – Financially Prepare to Buy Your First Home 2.0 - Pt. 1423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6435 – 2026 Ultimate First Time Homebuyer Guide: What's Next for Housing? (Forecast, Predictions & Tips to Prepare)198 – PMI Is a Privilege216 – PMI Is Still A Privilege And Still Not The DevilConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Episode 92: OwnershipDaily CreativeIn this episode, we dive into the nuanced meaning of ownership in creative work and leadership. As the landscape is rapidly transformed by AI and powerful new tools, we explore the temptation to offload not just labor but also the very thinking that gives our work its unique signature. We unpack what it means to retain genuine ownership of process, relationships, and output—moving beyond merely curating machine-generated results and instead staying empathetically engaged in the creative process.Our guest, Greg Hawks, joins us to challenge the difference between “owners”, “renters”, and “vandals” in organizations. He brings fresh perspective on why many disengage, how environments subtly encourage or discourage ownership, and what teams and leaders can do to foster a climate where true creative engagement thrives.Some of the themes we touch on include:The fine balance between leveraging technology for efficiency and maintaining our emotional logic in creative decisionsWhy struggle and friction are the crucibles of meaningful, resonant workHow organizations inadvertently suppress ownership—and how to change that dynamicConcrete strategies for shifting from a renter to an owner mindsetThe powerful impact of reducing toxic “vandal” behavior on overall team engagementFive Key Learnings:Offloading too much of the creative process—especially decision-making—can hollow out our unique voice and intuition.Emotional logic, shaped by lived experience and intuition, is irreplaceable and differentiates meaningful work from mere output.Vandals—self-centered, divisive team members—can demotivate large segments of an organization, and removing them often unlocks higher engagement.True ownership requires us to understand the personal “returns” we seek (emotional, financial, relational, opportunity, growth) and articulate them courageously.Struggle and friction aren't just obstacles—they're where creative insight emerges and individual judgment is strengthened.Get full interviews and bonus content for free! Just join the list at DailyCreativePlus.com.Mentioned in this episode:The Brave Habit is available nowMy new book will help you make bravery a habit in your life, your leadership, and your work. Discover how to develop the two qualities that lead to brave action: Optimistic Vision and Agency. Buy The Brave Habit wherever books are sold, or learn more at TheBraveHabit.com.

Serial investor JL COLLINS reveals why renting is smarter than buying, the biggest lies about investing, how tax and debt destroy wealth, and how small savings will TRANSFORM your life!  JL Collins is a financial educator best known for his book ‘The Simple Path to Wealth', which has sold millions of copies worldwide. He's also the author of the JL Collins blog, including the renowned ‘Stock Series', and has been investing for over 4 decades. He explains:  ◼️How “F-You Money” changes every decision you make ◼️Why mortgages lock up opportunity and reduce long-term freedom ◼️Why index funds outperform almost everyone over a lifetime ◼️Why working harder doesn't stop being broke ◼️Why financial independence is about control, not consumption 00:00 Intro   03:27 Common Misconceptions About Money   05:10 Financial Freedom   06:15 Successful People Often Have Trauma   13:11 Mental Benefits of Financial Security   14:22 What Is F.U. Money?   15:59 Buying a House Isn't Always a Good Financial Idea   20:46 The Psychological Impact of Buying a House   22:00 Why Younger Generations Could Benefit From Flexible Living   25:32 The Easiest Path to Wealth   26:49 What's Stopping You From Becoming Financially Independent   29:32 How Spending Habits Reflect Self-Esteem   31:30 Advice for Getting Out of Debt   36:03 Should I Invest in Bitcoin?   38:43 Should I Rush to Pay Off My Mortgage?   40:50 Interest Rates Explained   41:28 How Mortgages Work   42:36 How to Get a Good Interest Rate on Your Mortgage   46:37 Is It Safe to Invest in Stocks in the AI Era?   49:17 Emotional Impact of Investing Without Enough Money   52:33 Do Men Take More Investment Risks Than Women?   54:09 Ads   55:13 The Magic of Compounding Interest   1:02:38 What's the Point of Being Frugal If I Want to Enjoy Life?   1:03:35 Young People Don't Care About Their Future Selves   1:07:08 Why You Should Invest for Your Children   1:10:28 How Much of My Income Should I Be Saving?   1:12:54 Deferring Taxes With Retirement Savings Plans   1:20:04 Index Funds vs Individual Stocks   1:27:39 The Beer Analogy (Stocks) 1:33:40 Don't Sell When the Market Drops   1:35:09 Is Investing Just Gambling?   1:36:06 Are Financial Courses a Scam?   1:37:27 Ads   1:39:26 Do I Need a Financial Advisor?   1:42:13 What Does Your Portfolio Look Like?   1:43:19 What Are Bonds?   1:45:23 Asking ChatGPT the Ideal Path to Wealth   1:46:26 How Do I Earn More?   1:47:14 Why Failure Is Necessary for Growth   1:49:33 You Can Have a Small Income and Still Be Financially Free   1:59:53 What's Your Biggest Regret?   Follow JL Collins:  X - https://bit.ly/4jy2cfp  Instagram - https://bit.ly/49binMk  You can purchase JL's book ‘The Simple Path to Wealth: Your road map to financial independence and a rich, free life', here: https://amzn.to/4aQvBPV  The Diary Of A CEO: ◼️Join DOAC circle here - https://doaccircle.com/  ◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook  ◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt  ◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb  ◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt  ◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb  Lucas Jones (poet and artist): https://www.instagram.com/lucassjoness/?hl=en Sponsors: Rubrik - To learn more, head to https://rubrik.com   Stan: NO PURCHASE NECESSARY. VOID WHERE PROHIBITED. For Official Rules, visit https://DaretoDream.stan.store