Podcasts about Reserve

The Dropshot - A Call of Duty Podcast

Play Episode Listen Later Aug 31, 2026 40:56

Keith explores how real estate strategies have shifted from the 1980s to today and explains why investors need to adapt deal structures to changing interest rates, lending conditions, and market cycles. He highlights current opportunities in new construction and builder rate buydowns, along with the long-term benefits of fixed-rate debt. Keith is joined by economic futurist and author Richard Vague, who challenges conventional beliefs about inflation and interest rates and explains how government intervention, war, and supply constraints shape asset prices and leverage decisions. Together, they provide a big-picture framework for understanding how today's macro environment affects real estate investing decisions. Episode Page: GetRichEducation.com/621 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host Keith Weinhold. Learn how dramatically real estate has changed from the 1980s through the late 2020s. We'll be sure that your approach is changing with it. Then a great guest and I discuss how war and future calamities will affect mortgage rates, inflation, and your real estate today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth. Speaker 1 1:35 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 1:51 Welcome to GRE from Cambridge, England, to Cambridge, Massachusetts, and across 188 world nations. I'm Keith Weinhold. You're inside Get Rich Education. You could be doing anything with your time. I'm grateful that you choose to listen to me every week. You know, real estate investors sometimes say, "Ah, there aren't any deals anymore. What they usually mean is the deal structure that they learned five years ago stopped working. There are always opportunities in real estate, but your approach changes with interest rates, lending standards, inventory, construction, government policy, and just the overall economic cycle. The best investors don't wait for yesterday's market to return. That's like someone still hoping for Blockbuster Video Store to reopen. They identify what today's market is offering instead. Just consider this historic retrospective on real estate investing from the Reagan administration to today, in 1981, the 30-year mortgage rate peaked above 18.6%. I mean, just imagine proudly telling your friends that you locked in at 17% before rates went higher. That mortgage needed its own defibrillator. By 1984, rates were still near 16%. The strategy then, the approach, was for a buyer to assume the existing owner's lower rate mortgage that they locked in a few years earlier, perhaps in the late 70s, that's how you got a good deal, assuming that existing owners lower-rate mortgage. You can't do that so easily today. Keith Weinhold 3:50 By the late 80s and early 90s, the opportunity shifted from assuming attractive debt to buying distressed properties. The S and L crisis was upon us. Savings and loan failed lenders found themselves holding piles of distressed real estate, so investors bought foreclosures and REOs at discounts. They improved neglected buildings and then they repositioned them for income. You probably know that REO stands for real estate owned on a bank's balance sheet. All REO means is bank-owned property, but that's what you did. You found those, and then you scooped up a deal that way. As the 1990s progressed, interest rates declined, and loans also became really easy to obtain. We were tilting into the loosey-goosey easy lending environment. In the 90s, it was popular to buy an undervalued property, renovate it, raise the rent, and refinance it based on the improved value. That process later got a buzzy acronym and became known as the Burr strategy: buy, rehab, rent, refinance, repeat. By 2005, financing got more creative. This is when I was a new real estate investor. I remember obtaining what were known as 8015 five combo loans. This meant an 80% first mortgage, 15% second mortgage, and 5% down payment. You remember those? If you've been around for a while, you do. And see, this way you could avoid paying PMI, and you could control property with an astounding 20 to one leverage ratio due to that 5% down payment, but soon enough lending just got absolutely too creative and easy. The quiet lending party turned into a boisterous kegger, delivering the 2008 financial. crisis, and pretty soon I could no longer get any loans. From 2009 through the early 2010s, you could buy foreclosures and short sales at enormous discounts if you could find the loan. Keith Weinhold 6:20 Financing was tough, but prices were super low. It might have even made sense to pay cash at that time. Fear was everywhere right after the global financial crisis. I mean, it really took courage to act when others were hiding under the bed. By 2020 and 2021, the opportunity changed from cheap property to cheap money. Mortgage rates dropped below an absurd 3% as a result of the COVID pandemic. You could lock up extraordinarily cheap debt for less than the inflation rate, and then let inflation nibble away at it like Pac-Man. Of course, a lot of us are still benefiting from that today, but that opportunity is long gone now. But it doesn't mean that deals are gone today. Where's the opportunity? One of the best ones is often found in new construction, large build. have got to keep moving their inventory as they build these homes because they have got to keep their crews busy. An unsold house for a builder-I mean-that produces as much income as an unplugged Bitcoin miner. Rather than make conspicuous price reductions, builders use their financial muscle to buy down mortgage rates for you, often in the 5% range or even lower. Keith Weinhold 7:52 Builders might also offer you closing cost assistance, upgraded finishes, or other incentives that a single resale seller just can't match. So from the Reagan administration to today, over 45 years, the winning strategy just keeps morphing. It started out back then as assume the loan, over to buy distress, then to renovate and refi, then it was a creative financing wave, and then cheap debt, and today take the builders buy down. That's where we are. The mistake is deciding in advance what a deal is supposed to look like. The best deal structure changes, and of course, it's going to change again. The investor who keeps fighting the last war is always going to conclude that the opportunity has disappeared, but it hasn't. It's just changed clothing. Still, though, today's new purchases now-they're not as good as the deals that they were five years ago, but the best investors keep investing. They keep adding to their portfolio. It's what they've always done. Absolutely zero winning investors that are successful over time look back and say things like, "I didn't add anything to my portfolio during that 10-year span for this or that reason, the market changes, and you've got to adapt with it. That's a way to think about it. Take solace in knowing a few things. Deal structure changes over time are inevitable. And larger picture, you are investing in a product that is sustainable residential real estate in the form of long-term rentals. These entry-level properties are a scarce asset that people are going to continue to need. I mean, that's what we do here. Just compare. To the fads that we avoid around here, like NFTs, metaverse real estate, which we discussed on the show a few years ago, but said is highly dangerous, eye buying, value add apartment syndications, SPACs, or how about ICO funded altcoins? We don't chase the latest hot thing here at GRE. It is about what's sustainable, necessary, and cannot be easily disrupted by AI, and that's one reason that Get Rich Education is still standing strong after 52 episodes every year for almost 12 years now. Shortly, we're going to bring in a rather esteemed guest today on the future direction of interest rates and inflation. Interestingly, he believes that raising interest rates does not cool inflation, and that's contrary to popular belief. I'm going to press him on this and ask why, but first, our new Fed chair, Kevin Warsh. He's only been on the job a few months now. Keith Weinhold 11:07 He is gaining a reputation for not forecasting what they're going to do ahead of time, like his predecessor had. I guess I tend to like his disposition and the way that he communicates, I sense some pragmatism with Warsh, but gosh, it often seems that a new Fed chair gets off to a well liked start, and then they do something that lots of people criticize. Like, remember in 2004, late Fed Chair Alan Greenspan suggested more borrowers could benefit from adjustable rate mortgages shortly before rates rose and ARM resets became financial landmines. In 2007, Ben Bernanke said that subprime mortgage problems were likely to be contained. Oh, right after that, they helped trigger the global financial crisis, and more recently, the Jerome Powell gaffe, which I'll mention in the interview shortly. Here's what current Fed Chair Warsh says about inflation: Kevin Warsh 12:14 For some households, businesses, and market professionals, five years of high inflation have left a mistaken impression, that's hard to shake, that the Fed's implicit inflation target was somehow above 2% Let me reiterate, there is no soft inflation target. There is no soft implicit target, not on this committee's watch. There's only a target, and it's 2% Keith Weinhold 12:42 It's obvious that he is serious about getting inflation back down to 2% That tends to point toward interest rate increases. Let's discuss that and more with this week's brilliant guest. This week's guest is an economic futurist keynote speaker, and he's quite a popular author. He is chair of the board of the Public School Employees Retirement System. That's the largest public pension fund in Pennsylvania. Previously, the Pennsylvania governor appointed him as the secretary of banking and securities for the Great Commonwealth of Pennsylvania, he's also the founder and president of several various organizations today, and he serves on several boards, including at the University of Pennsylvania and the School District of Philadelphia. I mean, I hardly know how he has time to do it all, but he made time for us today. Hey, it's great to welcome back Richard Vague. Richard Vague 13:45 It's such an honor to be with you. I certainly enjoyed our last session, and it's really wonderful to be back. Keith Weinhold 13:51 Well, and so much has changed since you were last here, Richard. First, why don't we pull back and talk to us about the general state of the national economy today, as you see it. Richard Vague 14:04 ou know the economy was rocking along okay, and you know since you guys are such experts in real estate, I'll tell you one of the most important statistics, in my opinion, is the number of unsold homes, and by all rights, that number should be about 2 million homes. It's only about a million and a half. So there's a deficiency in our housing stock in the United States, which is, yeah, I think good news for the housing industry. It's always good to have a reason to have to grow. You may recall that in 2007, that had gotten up to four millinomes, which was a catastrophe, as we all know. So, it's the economic statistic I looked at first and most closely, and that was, you know, an okay number, and a lot of the things were going along. You know, not fabulous, but not terrible. Things were kind of moving. And all of a sudden now we have the war in Iran, and that's creating all sorts of problems for us, which you know I think you guys are concerned about. So I generally think the economy's been good, but there's a lot of dark clouds on the horizon. Keith Weinhold 15:15 You know, Richard, I was recently sharing something remarkable with our audience. To your point, just since 2020, consider all the calamities that we've had: COVID, Ukraine, Israel, Gaza, tariffs, and the Iran War. Just since 2020, what's the result of all that? Both stocks and residential real estate are near all time highs. Richard Vague 15:42 Yeah, well, you know, one of the things that's true is that this is something I go to in great detail in my book Paradox. But the more debt there is, the higher asset prices go. Keith Weinhold 15:53 Yeah. Richard Vague 15:54 You know, in the case of housing, that broadly helps middle America. In the case of the stock market, the top 10% of the country owns 87% of the stocks, so that tends to go to the wealthiest instead of to the broad population. But yeah, those two things are at highs. Keith Weinhold 16:12 You're touching on your well-received 2023 book, The Paradox of Debt, and you know, Richard, amidst all these calamities and all this potentially unprecedented level of government intervention that we've had-you know-it makes one wonder during the next crisis, which is inevitably going to happen, will the government just step in and provide relief again? And how would that look? Richard Vague 16:38 You know, I think that's one lesson that government has learned indelibly. Way back in 1929, in the couple of years that followed, the government did not step in, and we saw what happened. And I think there's a generation of economists that understand the role of government in a calamity, and you know it's pretty simple. You know the government comes in and crops up financial institutions as they did in 2008, simply by providing the liquidity or buying the bad assets, or the government steps in with relief checks as they did in such a massive way in 2020. But the government has learned that at least to some degree, it needs to intervene. I can't imagine that ever not being true. Keith Weinhold 17:26 Goshmright when you think about 2020s stimulus and how emergency lending facilities were set up, you had the payment protection program, stimulus checks, mortgage loan forbearance. It's just like this government won't let the asset holders fail. Richard Vague 17:46 Well, yeah, you know, there's failure, and then there's something that's hurtful but not quite failure. You know, I can imagine that the government will be able to prevent, in some circumstances, certain asset prices going down some amount, it's actually fairly commonplace for stocks to go down 10 or 20% I can see real estate prices going down as they have in the commercial office space. Yeah, but yes, the government will step in when those things become extreme to prevent a true calamity. Keith Weinhold 18:19 Of course, one consequence of the interventionism is elevated inflation. I know how you've talked before about how the level of inflation is higher than most people think. For example, you'll see today's CPI numbers in the mid threes. Talk to us some more about why inflation is higher than most people think. Richard Vague 18:41 Well, I have studied inflation, you know, fairly diligently, and inflation really relates to the constriction of supply. And if you look over the 250-year history of the United States, we haven't had that many episodes of bad inflation, and they've always related to a constriction of supply. Most of them have occurred during a war when, for obvious reasons, you know, supplies are constricted. The big 1970s episode of inflation was because OPEC, which had so much more power back in those days, acted to you know punish the United States by constricting supplies, and the price of a barrel of oil went from $4 to $40 a barrel. Yeah, between 73 and 79. COVID was another instance where inflation related to constriction of supply. That was you know people couldn't go to the meat factory to cut meat. People couldn't go to the factories to build things, so all of a sudden our supplies were decimated, and we had a short burst of very painful inflation. Well, now we've got the straight of four moves, and that is impacting the price of oil. I think it's going to impact the price of oil more going forward because. Because we've been able to rely on reserves, both the U.S. has been able to rely on reserves, and China has been able to rely on even greater reserves. And you know we haven't seen the brunt of that, but unless something's resolved pretty quickly, I think in the fall and winter we're going to see even more problematic prices there. But we know agricultural prices and even the flow of commodities like wheat are constricted by the constraints in the Strait of Hormuz and, frankly, other waterways as well. Now, one of the things the numbers that you see reported tend to underreport inflation because it looks at a year-over-year number and doesn't really capture it if it's moved up more sharply in the last month or two. So we look at it on a month-by-month. We you know we break it down about as to as many parts as you can break it down into. But PPI, which is kind of a leading indicator on the eventual CPI PPI's producer price index, it was 4.7% this last month. That would suggest to you that things which are in the mid threes now, which is more higher than we want, you know, probably trending over. Maybe not next month, but you know, over the next three to six months, I'm not going to be surprised if the number's more in the four to five range. So, yeah, I think inflation's being somewhat underreported at the moment. Keith Weinhold 21:29 The PPI being that harbinger of consumer prices, often four to six months down the road. And Richard, the last time you were here, when it comes to checking and controlling inflation, you said something so interesting. You said that higher rates, which is typically the response in order to try to quell inflation, higher rates actually do not lower inflation, and you did not get a chance to expand on that because we ran out of time. Tell us more about why higher rates do not reduce inflation. Richard Vague 22:05 Well, I'm going to answer that a couple of ways. One of them is higher rates don't open the Strait of Hormuz. Keith Weinhold 22:12 Right. Richard Vague 22:13 You can put rates as high as you want, and it's not going to open the Strait of Hormuz. Keith Weinhold 22:16 Chairman Warsch doesn't open the Strait. Yes, he doesn't get oil produce nothing. Richard Vague 22:20 Strait of Hormuz. Keith Weinhold 22:21 Yeah. Richard Vague 22:21 And so we can do all we want to on raids, which is a very blunt instrument, and it's not going to address the supply constraints that are geopolitical and war related. So, if you want to curb inflation right now, there's two things to do. One of them's you know end the war with Iran, and the other is to kind of back off a lot of these tariffs that have become so problematic. I think there's a place for tariffs. I think there's certain things China's doing that you know a call for an appropriate level of tariffs. I'm not sure we should be big tariffs on Canada and some of these other places, which have the effect of increasing the cost of our farm equipment and cars and other things like that. So, if you really want to address inflation and address the things that truly underlie inflation, and if the second way I'd answer this is to say, go look at the debt, track the data from you know 1945 or 50. You know, we really look at the post World War II period as the place we really learn things from, and over that period, increased government spending has been accompanied by reduced interest rates and reduced inflation. So, reduced interest rates and reduced inflation have gone hand in hand, and rising interest rates and rising inflation have gone hand in hand, and it's a really easy thing to look at. We've got the data on our site, but there's only been three periods where you've had big shifts in government spending and rates. They're pretty easy to look at, and there's actually empirically an inverse relationship between rising interest rates and it's the opposite of what economists tell you. Keith Weinhold 24:09 I think, in general, economists tell us that when inflation is high, you raise interest rates because consumer spending is about 70% of the economy, and those higher rates therefore incentivize people to be savers because they're getting paid a higher yield, keeping those dollars out of the economy, and they're less incentivized to be borrowers and expand the economy that way. I think in general that's why economists say that higher interest rates reduce inflation. Do you agree with that? Speaker 2 24:40 Well, no, I don't, and the reason I don't is because when you look at the data, that doesn't happen. These are easy things to check, and what I would say to you is that rising interest rates increase costs, and you guys know that better than anybody in the world. Keith Weinhold 24:56 With mortgages. Yeah. Richard Vague 24:58 What do rising interest rates do to? Cost of your mortgage. Keith Weinhold 25:02 Everything increased substantially. Richard Vague 25:03 It has system prices at the grocery store. Well, the grocery stores have to pay our interest for their inventory. So the more intuitive and obvious thing is that rising interest rates increase prices. And by the way, if you and I were to go look at the data right now, which I look at almost daily, that we would see periods of rising interest rates correlate to periods of rising increased costs. Keith Weinhold 25:29 Well, I'm glad you look at history because I often say here at Get Rich Education, if you want to know what's going to happen in the future, it's easy to have a hunch, but it's more important to look at history. Can you talk to us some more about how, over the long term, higher interest rates don't suppress inflation? If that's what you're saying, Richard Vague 25:47 yeah. The greatest rise in inflation, you know, in my lifetime was the late 1970s. Keith Weinhold 25:55 Yeah, Richard Vague 25:56 and for the entire time that interest rates were going up, prices and inflation were going up, and it wasn't until interest rates started coming down that inflation started coming down. So we could look at any number of periods, and if you're going to argue the opposite, you need to go find me some data. Keith Weinhold 26:15 Okay. Well, speaking in more modern times, in the last wave of inflation that we had, the CPI peaked at 9.1% in June of 2022. This is the whole famous Jerome Powell: inflation is only transitory. Oh shoot, no, it's not. I better hike rates. He did, and then inflation came down. Is it as simple as that cause in effect, or did something else make inflation come down post COVID. Richard Vague 26:42 Inflation came down, and it came all the way down in July of 2022. It didn't come down gradually over six, 912, 18 months. You go look at the length monthly inflation. Inflation came all the way down in July of 2022, and stay has stayed down all the intervening period until very recently with the Iran War. July of 2022 was before there was a dramatic increase in interest rates. Keith Weinhold 27:18 Right, Speaker 1 27:19 that's simple. Keith Weinhold 27:21 What caused inflation to come down? Then is it because supply began to arrive on the market again? Richard Vague 27:27 People went back to work, started building things again. Keith Weinhold 27:30 Producing. Richard Vague 27:32 And the problem was folks had not been able to go to the factories and make things, and so we had a you know global supply deficit. Well, the nice thing about that is that you know money incends people to scramble back to work, make things again, and you know once they start doing that, and the Fed actually produces something they call the Global Supply Chain Pressure Index. You can get it on the Fed site. If you look at it, it's supposed to be kind of at zero, and anytime supply chains are disrupted, it shoots up. And any you know, any time the opposite happens, you know there's overcapacity. It goes down, and you can see exactly when supply chains repair is happening. So go look at the. It's called the GSCPI. It's on the Fed side. You'll see that global supply chains had largely started to be dramatically repaired in the spring and summer of 2022, and naturally, supply and demand works. All of a sudden, supply starts showing up, and prices go to hell. Keith Weinhold 28:39 We're talking with economic futurist author and Pennsylvania's governor-appointed former secretary of banking and securities Richard Vague, more when we come back on the affliction of inflation, what this means for real estate investors, and more. This is Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com. Keith Weinhold 29:29 Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866. That's family to 66866. Dolph Derues 30:31 This is the king of commercial real estate, Dolph Derues. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream. Keith Weinhold 30:45 Welcome back to Get Rich Education. We're talking with Richard Vague. Richard is the founder and president of so many organizations today. He's the author of several popular economic books. He chairs the board of the Public School employees retirement system. That's the largest public pension fund in Pennsylvania. He's in a lot of places at once, seemingly. Richard, we're talking about inflation before the break. What is the right inflation rate? Richard Vague 31:16 Well, like I said, inflation. If you look at the entire 250-year span of the United States has it been an affliction that has affected us that often? It is political kryptonite. So when it does happen, it steers our consciousness, and it you know certainly affects your industry. But you know, if we look historically, the Fed targets 2% It's not a bad thing to target. We never really have achieved that level for any length of period. I think if you look at it over the past several decades and take out the high inflation periods, it probably has averaged closer to three. So I don't think two to 3% is an inappropriate level, and I kind of suspect it'll be a level that typifies our future once we get past, if and when we get past this more. Keith Weinhold 32:09 Yes, not long ago, I was looking at the history of the CPI or the CPI's equivalent, and over the last 100 years, the rate is about 3.2% and we haven't hit that government-mandated 2% target, which is stated right on the Fed's website. We haven't hit that for any month in about five years now, and this asset inflation, as we know, this disproportionately enriches existing asset owners, and it widens this inequality. Something that's more recently been known as the K-shaped economy, can you talk to us some more about this exacerbating wealth inequality? Richard Vague 32:48 Well, you hit the nail on the head. Something on the order of 80% of all the net wealth held by Americans is in the form of two things: stock and real estate. If you want to talk about wealth, it's those two things, and those two things, probably 60 or 70% of all of those in the U.S. are held by the top 10% I think it's a single-digit number of those that are held by the bottom 50% So you know, if inflation and debt growth push asset prices up over time. It is a mathematical inevitability that the rich get richer faster than those in the middle and at the bottom, and that simply means inequality will increase through time. I believe that's structural. Unless you address that in very some very specific way it will continue. Keith Weinhold 33:43 Inflation affects real estate investors more than it does the average person because we borrow these big pools of money often at 75 to 80% loan to value, and in a sense, although we know it's bad for general society, and we do think about the K-shaped economy. Of course, inflation benefits us because it debases our debt. But even if you're not a real estate investor, even if you just own your own home, you know, Richard, I really think it begs the question: Is a 30-year fixed-rate mortgage one of the best forms of debt ever created for ordinary Americans? Richard Vague 34:22 The 30-year mortgage, which was created, you know, that started on that path in the 1930 s for the very reasons we all know and love, which is getting Americans to own their own home, and has been, you know, a game changer for the country, and truly one of the great things that's been done, and I hope it's something that we continue to defend and preserve. Keith Weinhold 34:46 Well, that brings up leverage and the prudent use of leverage. As real estate investors, we have this benefit of getting all these 30-year fixed-rate loans without the threat of a. Margin call being made. We're not borrowing over in the stock market. When you sign your loan documents, it doesn't say that the bank can call your note due at any time, but one could take it too far. And when it comes to debt, I think that really begs the question: Where does intelligent leverage end, and then dangerous leverage begin. What's the border? Richard Vague 35:25 Well, you guys are experts, and I'm not. But the very simple premise is starts with not overpaying for the property to begin with. It is not an exact science, but generally speaking, I think we can tell when prices are relatively high in a given market and or a given year and relatively low, and you you'd always want to kind of be at least in the middle or somewhat on the low end before you acquire a property. So that's step number one, and then step number two is really just giving yourself a buffer, you know. We saw in the global financial crisis that real estate loans were being made in some cases at 100% of value. Yeah, and frankly, we saw at least some episodes within that folks borrowing over 100% of value, and certainly they were very happy when that happened. But we know there's zero margin for error when you do that, and perhaps even a negative margin for error when you do that. So I would think, you know, you guys know better than me, but you know, I hate to borrow it much more than like 90% of value, maybe 95% if it's a smaller asset and you have a government guarantee, and if you can do it at lower leverage, you know, 70 or 80% of value, that's not a bad thing to consider. I tend to think in the real estate world that you know I've seen many investors, particularly in the commercial space, buy things with lower leverage, 50 or 75% But then, as the asset proves itself, they work with their lender to increase the debt-to-value ratio, you know, and get more money at it over time as it becomes an increasingly proven asset. So they migrate their way from 75% to 95% over time. I think that's a logical path. Keith Weinhold 37:20 That acronym Ninja Loans, which were popular from about 2000 to 2007, that acronym Ninja means no income, no job or assets, and you might still get a loan of 110% of the value of the property. It was profligately irresponsible. Well, Richard, in a moment, I want to ask if you have a resource that our audience can follow along with you if they would like to do so. But before I do that, do you have any last thing that you would like to talk about? Maybe something that I did not ask you, whether it has to do with the general economy or real estate or interest rates or inflations. Is there something else that we should know? Richard Vague 38:00 What I would do is just endorse your podcast. Keith Weinhold 38:04 Thanks. Richard Vague 38:05 You're approaching this in a very intelligent way, and you're very empirical, and I think your listeners are doing themselves a service by continuing to follow what you do. That's a really reasonable, secure, and yet bold path towards creating wealth, then I think you're to be commended. Keith Weinhold 38:27 Oh, I appreciate the endorsement. I'm always blown away at our following, but you have some resources worth following as well. Tell us about that. Richard Vague 38:36 Well, we do. We have a weekly video ourselves that it's about a five-minute video, and you can go to our website, which is tycos.com. So t y c h o s.com, and you know we have data on the site. If you're a real geek, you could go in and you can look at our macroeconomic data. You know, but if you're not, you can sign up for the video, and we come out with what we hope is a short but relevant video once a week talking on some aspect of the economy, and you know we'd love to have folks join that if they're interested. Keith Weinhold 39:10 Well, it's valuable. I suggest you, the listener, check that out. Richard oftentimes turns conventional economics on his head, just like he did with us today, talking about how if there's higher interest rates, that does not necessarily mean lower inflation. Richard, it's been valuable as always. It's been great having you back on the show. Richard Vague 39:30 It's an honor to be with you. Keep up the great work. Keith Weinhold 39:38 In this remote interview, I got a beautiful look over Richard's shoulders there on the screen at Center City, Philadelphia, in the ornate buildings there. I will be in that part of the nation again shortly. Big thanks to Richard Vague. If you're looking him up, it is spelled V-A-G-U-E. We've got a. A lot of terrific content coming up on the show over the next few weeks, including fresh takes on building your wealth that you've never heard before. Until next week, I'm your host Keith Weinhold. Don't quit your daydream. Speaker 3 40:18 Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 40:46 The preceding program was brought to you by your home for wealth building. getricheducation.com

covid-19 united states america family university fear canada ai israel china england talk americans ukraine philadelphia speaker cost search pennsylvania iran world war ii massachusetts bitcoin invest nfts debt inflation cambridge ninjas gaza deals paradoxes fed mortgage producing arm savings reserve financing interest rates builders public school margin pac man strait cpi hormuz opec jerome powell school districts iran war ico pmi burr spacs ppi gre kevin warsh reo warsh mid south reos ben bernanke center city richard vague cpi ppi keith weinhold get rich education terry kerr caeli ridge

Episode 602: The MW4 Beta Broke Us — We're Done With Call of Duty

Play Episode Listen Later Aug 31, 2026 136:55

We played the Modern Warfare 4 beta this weekend — including Warzone and the new Zodiac Resurgence map — and it took about fifteen minutes to know it was over. Not "this year is mid" over. Over over. This is the episode where a podcast that ran on Call of Duty for 600+ episodes says out loud that it's done. Raz makes the case that nothing else in an FPS matters if you can't see or hear the enemy, and everything else — weapon levels, perks, pipe climbing, the spawns everyone's arguing about on X — is fixing a leaky bathtub while the house burns down. Jake breaks down why CoD only takes from him now, why the lobbies are nothing but sweat, and the exact point where min-maxing your controller, your router and your ZIP code stopped being worth it. Also in this one: the Zodiac verdict (better than Area 99, roughly Haven's Hollow), the weekend 2 nerf pass, the 60% negative Steam reviews, why Warzone was in the beta at all, and a DMZ 2 prediction we're standing behind. Then a palate cleanser — Star Wars Zero Company, permadeath, and a first playthrough Raz completely ruined — plus a brutal Tarkov week, the Tarkov roadmap, GTA 6's Netflix look, and WARDOGS. Jake wanted it to be good. Raz stopped wanting that years ago. This time they agree. 0:00 - Intro 1:10 - New patrons and the latest bonus episodes 3:26 - Our first patron Discord hangout (and Death by AI) 6:10 - "The MW4 Beta Broke Us" 6:22 - How fast did we know? 9:25 - "If I can't see the guy, nothing else matters" 10:17 - The raging inferno analogy 14:55 - "Call of Duty is dead" 15:10 - Jake: CoD only takes from me now 20:49 - Everyone is min-maxing (and moving for zero ping) 23:26 - SBMM, the missing casuals, and sweat-only lobbies 26:03 - Splitgate Reloaded and the death of 6v6 arcade shooters 27:40 - Warzone: the audio, the visibility, the haze 30:12 - Rolling the dice on what bullshit you get this year 31:28 - Bring back Caldera — at least it was different 37:28 - The first thing that felt wrong: audio 37:54 - Weekend 2's nerf pass: Tac Sprint, slides, TTK 40:44 - 60% negative Steam reviews and the player drop 41:52 - The Zodiac verdict vs. Area 99 and Haven's Hollow 42:50 - Why was Warzone in the beta at all? 47:16 - No custom loadouts, and the guns aren't fun to shoot 49:07 - "Activision devs do not play their own game" 50:18 - The one dev we ever ran into in Warzone 53:34 - The Quick Fix perk they "fixed" twice 57:07 - "Where does that put us? I give you Zodiac" 59:12 - Skipping a year, or actually done? 1:04:14 - What it would take to get us back 1:07:00 - Call of Duty is your old restaurant job 1:08:08 - "I want everyone that works there to suffer" 1:09:00 - It's a leadership problem — fire Infinity Ward 1:13:02 - Prediction: MW4 three months after launch 1:16:06 - The DMZ 2 prediction 1:24:17 - Palate cleanser: Star Wars Zero Company 1:32:45 - Permadeath, injuries, and squad bonds 1:34:36 - "This playthrough is fucked" 1:36:57 - Is it the Star Wars or the game underneath? 1:37:51 - Reviews, performance, and is it worth $50 1:38:50 - Eight classes, Overwatch combos, and base upgrades 1:44:46 - It should have been co-op 1:45:49 - Tarkov: best raid of the week 1:46:41 - The Customs transit raid that actually worked 1:50:02 - Worst raid: baited in the Reserve bunker 1:53:04 - The KS-23 rat that bled us out 1:54:39 - Camped at D2 twice in a row 1:59:49 - The bathroom extract death 2:02:34 - Why this wipe feels so much harder 2:05:18 - Tarkov roadmap: ranked, revives, simplified GPS 2:08:24 - GTA 6's Netflix extended look 2:10:31 - WARDOGS extraction and PvE prototypes 2:11:00 - Wrap-up _Note: timestamps may be slightly misaligned on podcast apps (but not on YouTube) due to dynamic ads._ The podcast is available wherever you listen to podcasts, and ad-free & early access versions - as well as bonus episodes - are available to all of our Patreon (https://www.patreon.com/thedropshot) supporters. We stream the podcast live on our YouTube (https://www.youtube.com/c/thedropshotpodcast) every Saturday morning at ~9 o'clock Pacific Time. We typically start the stream 30 minutes early to answer viewer questions, banter, and chat. Links for everything are below. Thanks for checking us out!

Knowing Isn't Changing: The Childhood Beliefs Running Your Life

running launch comfort childhood behavior id beliefs reserve high cost mike wood

Play Episode Listen Later Aug 31, 2026 67:48 Transcription Available

Why do we keep repeating the same unhealthy relationship patterns—even when we know better?In this powerful episode of Mindset Mastery Moments, Dr. Alisa Whyte sits down with transformation coach Mike Wood, founder of Learn To Love Being You, to explore how subconscious beliefs formed in childhood continue to shape our identity, relationships, confidence, and decisions as adults.Mike shares his remarkable journey from a successful yet deeply unhappy construction executive to discovering how to rewrite over 200 limiting core beliefs that had been running his life on autopilot.What We DiscussTogether, they explore why traditional "self-help" often fails and how deep identity shifts create permanent freedom:Awareness vs. Transformation: Why simply knowing your issues isn't enough to actually change them.Childhood Echoes: How early environment and experiences dictate your adult relationship dynamics.The High Cost of People Pleasing: Overcoming self-abandonment to establish healthy, empowering boundaries.Behavior vs. Identity: Moving beyond surface-level habit changes to rewire your foundational identity.The Comfort of Chaos: Understanding why subconscious programming keeps repeating familiar, unhealthy patterns.Embracing Authentic Self-Worth: Why stepping into true authenticity feels uncomfortable before it feels liberating.If you've ever wondered why you keep attracting the same situations or struggle to maintain lasting personal change, this conversation will give you a completely new perspective.Exclusive Free Resource for ListenersFree Mindset Masterclass: Master Your Core Beliefs — Step-by-step guidance to uncover and shift subconscious programming.Connect with Mike WoodOfficial Website: Learn To Love Being YouLinkedIn: Connect with Mike Wood on LinkedInYouTube: @lovebeingyou1Instagram: @learntolovebeingyou1Facebook: Learn To Love Being You CommunityTikTok: @mikeslovebeingyouMusic Attribution & LicensingMusic Track: Licensed through SoundstripeLicense Code: SSXRSDWNWB9BRYQI"True transformation doesn't come from forcing new behaviors on an old identity. It comes from rewriting the core subconscious beliefs that dictate who you believe you are."Send us Fan MailReady to turn your message into a profitable speaking career? Join Dr. Karim Ellis for a FREE live masterclass and discover the proven strategies to get booked, increase your influence, and build a speaking business that creates lasting impact and income. Reserve your seat today: https://thegpsspeakersacademy.com/freeclassSupport the show

Ian Stirsman: Remus Lou Gehrig Reserve

Bourbon Showdown Podcast

Play Episode Listen Later Aug 28, 2026 51:31

Remus Lou Gehrig Reserve with Ian Stirsman of Ross & SquibbThis week on The Bourbon Showdown, Jesse sits down with Ian Stirsman of Ross & Squibb Distillery to crack open and drink through the new Remus Lou Gehrig Reserve.Ian takes us behind the bottle to talk about how this special release came together, what makes it different from the rest of the Remus lineup, and the story behind pairing one of baseball's most legendary names with American whiskey.Then we get down to business and taste the whiskey.We break down what's in the glass, talk bourbon and blending, dig into what Ross & Squibb is doing with Remus, and find out if the Lou Gehrig Reserve is a bottle worth hunting down.Bourbon. Baseball. History. And a damn good whiskey.What do we do when talking to good people about good whiskey?WE DRINK IT!

american history baseball reserve bourbon lou gehrig remus squibb

This Isn't What You Fear - The Divine Council Reveals What's Really Happening - Sara Landon

fear school council reserve mystics really happening attunement angel numbers divine council automatic writing modern mystic

Play Episode Listen Later Aug 27, 2026 82:19

Do you feel like impossible things have been happening lately? Like something is speeding up, shifting, opening in ways you can't quite explain? What if you don't need a miracle at all, and what if the moment you truly understand who you are, you realize you already are the miracle? Michael welcomes back Sarah Landon, channel for a collective of higher wisdom known as the Council, for a conversation about something brand new coming through: the miracle frequency. From the courage it takes to choose love while the world feels chaotic, to a powerful live channeling session on grief, abundance, and the promise you made to yourself before you arrived here, this episode is a masterclass in remembering that you were never meant to do any of this alone, or in scarcity. This isn't about waiting for a miracle to rescue you. This is about recognizing that the moment you stop chasing relief and start living from your true, whole nature, you become the very thing you've been asking for. Key Topics: What the miracle frequency actually is: the shift from "I need a miracle" to "I am the miracle," and why that single reframe begins attracting extraordinary experiences into every area of life. Why it takes real courage to stay conscious and choose love right now, rather than defaulting into humanity's habitual pull toward fear, separation, and lack. The "slug bug" phenomenon: why focusing on darkness only draws more darkness into view, while focusing on synchronicity and support reveals just how much the universe genuinely has your back. Why the universe doesn't care what you direct your creative energy toward - it's all fuel - and why that neutrality is both the challenge and the invitation of free will. Sarah's raw, personal breakthrough around money: uncovering the childhood belief "there's not enough money for you to live your dreams," and how naming it dissolved decades of quiet self-limitation. The airplane-at-the-gate metaphor: why you can't carry fear, doubt, or unworthiness through the "security checkpoint" into your extraordinary life; you have to set it down first. Three things that can never be taken from you, no matter your circumstances, even incarceration: appreciation, imagination, and vibration, and why any one of them is enough to begin shifting your reality. Why every conflict, argument, and even war, according to the Council, ultimately comes down to energy, not the surface-level reason people believe they're fighting about. A full live channeling from the Council on remembering your power, why grief keeps love with nowhere to go, and why peace, not struggle, is meant to be the foundation from which inspired action arises. Sarah's moving story of connecting with her late father through repeated signs of yellow birds and white butterflies, and the profound reframe of loss as a "grand vacation" ending in reunion rather than an ending. You are the miracle in this world. Not someday, not once you've earned it, not once the circumstances finally line up, right now, exactly as you are. You have all the power, all the light, all the love needed to be that miracle. And when you also remember that everyone you meet is a miracle too, even when they've forgotten it themselves, you become one of the most powerful forces on this planet. Join the Inspire Nation Soul Family!

E368. The Pygmalion Effect (Part 2): How to Engineer Your Environment for Growth

April Garcia's PivotMe

Play Episode Listen Later Aug 27, 2026 27:05

What if the thing you're struggling to change doesn't require more discipline? What if you don't need another book, another podcast, another course, or another morning routine? What if you just need a different room? Because most of us are working way too hard trying to manufacture motivation when we could be building an environment where the behavior we want becomes normal. You probably don't need more motivation. You may need different people around you. In Part 1 of this conversation, April explored the Pygmalion Effect and how the expectations and behaviors of the people around us quietly influence what we believe is normal, possible, and expected of us. Now it's time to actually use it. In this episode of PivotMe, April takes the concept from awareness to action with a simple three-step framework for intentionally designing your environment around the person you're becoming. And there's an important distinction: you don't need one magical group of people who elevate every part of your life. Your business peers might challenge your thinking about growth, while your fitness friends raise your health standards and another group influences your relationships, finances, parenting, or sense of adventure. In This Episode, You'll Learn: Why you need different peer groups for different areas of your life The difference between a Default Peer Group and a Designed Peer Group How to identify the gap between Current You and Future You Why obsessing over how can actually stall your progress How to identify people who already normalize the results you want Why you don't necessarily need a mentor, you need proximity How your environment can make better behaviors feel normal Why successful peers become evidence of what's possible How My3Y → Future Friends → Designed Peer Group → Pygmalion Effect work together Three actions you can take immediately to start changing your environment The 3-Step Framework 1. Find the Gap Choose one area where there's a meaningful difference between how you're living now and how you want to live. 2. Find the Person Who is already performing at or near the level you want to reach? 3. Get in Proximity Coffee. Lunch. A workout. A mastermind. A conference. A class. A running group. Just get closer. Pick one area of your life. Find someone who already lives closer to the standard you want. Then do something to get into proximity. Send the text. Schedule the coffee. Join the class. Ask for the introduction. Go to the conference. Don't just become more educated about peer groups. Change your peer group. ---------------- Want more tools to help you create momentum, clarity, and growth in your business and life? Ready to take this work beyond the podcast? Join us at Collaborate 2026, our once-a-year, in-person transformational experience in Grass Valley, California. Spend 2.5 powerful days gaining clarity, building momentum, and doing the deep work alongside growth-minded leaders. Early Bird pricing ends March 31st, and seats are limited. Reserve yours at www.theaprilgarcia.com/collaborate.

california growth change opportunities environment engineers claim lunch reserve collaborate early bird step framework grass valley pygmalion effect person who

Mile High Chiro Podcast

Play Episode Listen Later Aug 27, 2026 31:22

On this episode of the Mile High Podcast, you'll hear from Dr. Liz Hoefer, founder and CEO of Well Connected Chiropractic, Certified Blair Technique Instructor, and a passionate advocate for specific, principled Chiropractic care. Dr. Liz's story carries a powerful personal connection to Chiropractic. After growing up around Chiropractic in Davenport, Iowa, she eventually entered Chiropractic college and continued searching for answers in her own life. One year before graduation, a specific upper cervical adjustment became a defining moment in her personal and professional journey. That experience helped shape the certainty she now brings to her practice, teaching, leadership, and commitment to advancing Blair Upper Cervical Chiropractic. In this conversation, you'll hear why specific analysis matters, how technology continues to expand what chiropractors can understand about the spine and nervous system, and why the future of Chiropractic depends on preserving the distinction between simply creating motion and delivering a specific Chiropractic adjustment. In this episode, you'll discover: Why Chiropractic analysis matters before force is applied How Blair evaluates the cervical spine through a three-dimensional model Why an audible sound is separate from determining whether an adjustment occurred How CBCT technology has expanded Blair analysis and visualization Why instrumentation and objective data remain vital in Chiropractic How pattern analysis helps guide when and where to adjust Why technique, science, philosophy, and clinical judgment can work together How continuing education helps chiropractors grow beyond the foundations learned in school Why staying connected to your purpose can strengthen your impact How greater specificity can create greater possibilities for the people you serve Dr. Liz shares a perspective that deserves continued attention throughout Chiropractic: the adjustment begins with knowing why, where, and when to apply force. Specificity creates clarity. Analysis creates confidence. Continued learning gives you greater opportunities to serve each person according to what their spine and nervous system actually need. The conversation also carries an encouraging message for chiropractors and students. Stay connected to the reason you entered this profession, continue developing your art, science, and philosophy, and keep building the certainty to serve at a higher level.

ceo iowa analysis reserve chiropractic davenport mile high directories specificity

Loneliness is Curable

Last Day

Play Episode Listen Later Aug 26, 2026 42:10

What role does connection play in helping us survive life's hardest moments? In this episode, Stephanie talks to Allison Gilbert, a journalist, speaker, and the creator of More Connected, a first-of-its-kind app helping people build deeper belonging and togetherness IRL. Together, they explore what's behind the loneliness epidemic, how we can embrace the messiness of human connections, and why closeness is an upstream intervention for addiction. To learn more, check out ⁠BeingMoreConnected.com⁠, ⁠AllisonGilbert.com⁠ and ⁠Mental Health Storytelling Initiative⁠. You can follow Allison on Instagram: ⁠@itsallisongilbert⁠. Order Steph's book Last Day: How to Stop Losing Our Loved Ones to the Opioid Crisis at ⁠https://bit.ly/LastDayBook⁠, and the audiobook at ⁠https://bit.ly/3RW4WtF⁠, or wherever books and audiobooks are sold. LAST DAY BOOK TOUR SCHEDULE Please join Steph on the road and RSVP at the links below!

books loneliness reserve irl rsvp opioid crisis godmothers summerland curable carmel valley more connected allison gilbert jennifer rudolph walsh

Reserve Osteoporosis, Cure C-Diff and IBS with This Simple Diet Change | Rebekah Heishman

Digest This

Play Episode Listen Later Aug 26, 2026 60:53

399: Everyone needs to hear today's episode! This is by far my favorite interview of 2026! I know I say that every time, but this one tops all my interviews this year because I have Rebekah Heighman with me today. If you don't know who Rebekah is, by the end of this episode you will! She has gone through more health issues than anyone probably will in their entire life. Diagnosed with osteoporosis in 6th grade, she was put on multiple medications including adderall, and many other addictive pills, continuous antibiotics, lost her period for over a decade, was put in an eating disorder unit against her will even thought she didn't have an eating disorder, and doctors told her she wouldn't be alb to reserve her issues....but God had another plan and I can't wait for you to hear her story because not only has Rebekah healed all her conditions and reserved her osteoporosis completely, she did it without any medical intervention and now helps others do the same. Topics Discussed: → Rebekah's story → Getting of medication naturally → Curing osteoporosis → Discovering the healing power of the carnivore diet → Is coffee good or bad on the carnivore diet → Who is the carnivore diet for? → You don't have to be on the carnivore diet forever! As always, if you have any questions for the show please email us at digestthispod@gmail.com. And if you like this show, please share it, rate it, review it and subscribe to it on your favorite podcast app. Sponsored By: → Just Thrive | Support your gut health with Just Thrive! Get a FREE 90-day supply of Digestive Bitters (a $90 value) when you start a 90-day Probiotic subscription. Visit https://justthrivehealth.com/digest to claim this exclusive offer. Plus, it's backed by a 100% money-back guarantee. → LMNT | Get your FREE sample pack with any LMNT purchase at https://drinklmnt.com/DIGEST Timestamps: → 00:00:00 - Introduction → 00:03:04 - Rebecca's Health Journey → 00:06:14 - Benzodiazepine Withdrawal and Keto → 00:08:24 - Chronic C. Diff and Extreme Weight Loss → 00:09:32 - Misdiagnosed With an Eating Disorder → 00:17:46 - Treating C. Diff and Fecal Transplants → 00:20:28 - Trying the Carnivore Diet → 00:23:44 - The Lion Diet and Healing → 00:30:01 - What Caused Her Osteoporosis? → 00:33:48 - Pregnancy After Chronic Illness→ 00:34:20 - Reversing Osteoporosis → 00:37:36 - Removing Foods to Heal → 00:38:40 - Carbs and the Carnivore Diet → 00:43:24 - Best Foods for Inflammation → 00:44:42 - Dairy and Inflammation → 00:48:54 - When Diet Becomes an Idol → 00:51:20 - Who Is the Carnivore Diet For? → 00:54:18 - How Quickly Did Carnivore Work? → 00:55:56 - Fiber and Digestion on Carnivore → 00:57:20 - Coffee on the Carnivore Diet Further Listening: → Help Hormone Imbalance, Skin Issues, Allergies, & Leaky Gut with One Single Thing | Tina Anderson Check Out Rebekah Heishman : → https://www.tailoredketo.health → Instagram → YouTube Check Out Bethany: → Bethany's Instagram: @lilsipper → YouTube → Bethany's Website → Discounts & My Favorite Products → My Digestive Support Protein Powder → Gut Reset Book → Get my Newsletters (Friday Finds) Learn more about your ad choices. Visit megaphone.fm/adchoices

Let Them Struggle: The Secret to Raising Independent Adults

music secret struggle launch raising independent stepping adults reserve empty nest soundstripe

Play Episode Listen Later Aug 26, 2026 44:09

How do you know when helping your child becomes enabling?In Part 2 of this powerful conversation, Dr. Alisa Whyte and parenting confidence coach Randi Crawford dive into one of the biggest parenting challenges of our time: learning when to step back.They explore why parents often rescue out of fear, how communication builds trust, why allowing children to solve problems creates confidence, and how many parents unintentionally make themselves the center of their children's decision-making.What We DiscussThis episode offers a strategic roadmap for fostering true independence while strengthening family bonds:Helping vs. Enabling: Recognizing the subtle shift where parental support hinders personal growth.Overcoming Fear-Based Rescuing: Why allowing natural consequences to play out creates long-term resilience.The "Empty Nest" Transition: How parents can rediscover their own purpose, identity, and fulfillment after raising children.Parenting Adult Children: Navigating the evolution from daily manager to trusted mentor and advisor.Whether you're raising toddlers, teenagers, or young adults—or simply leading people in business or life—this episode is a masterclass on leadership, trust, resilience, and letting go with confidence.Connect with Randi CrawfordOfficial Website: Randi Crawford CoachingInstagram: @randicrawfordcoachingTikTok: @randicrawfordcoaching"Stepping back isn't walking away; it's giving your children the space to discover who they are when they overcome life's obstacles on their own."Music licensed through Soundstripe.Code: 8J0TXWFGAF3BRFWCSend us Fan MailReady to turn your message into a profitable speaking career? Join Dr. Karim Ellis for a FREE live masterclass and discover the proven strategies to get booked, increase your influence, and build a speaking business that creates lasting impact and income. Reserve your seat today: https://thegpsspeakersacademy.com/freeclassSupport the show

How To Let Go Of Food Guilt And Food Rules Using Intuitive Eating To Build A Better Relationship With Food / Ep 204

Wellness: Rebranded - Intuitive eating, diet culture, food relationship, weight training, food freedom

Play Episode Listen Later Aug 26, 2026 26:46

For so many women, diet culture never looked like a diet. It looked like discipline, like being "the healthy one," like a body image built around control. You made food rules without ever writing them down, and the food guilt that followed felt normal. In this episode we unpack diet mentality: what it is, the hidden ways it shows up, and how it keeps running in the background even when you've never technically been on a diet. Elizabeth shares her own years as a vegetarian who told everyone it was about health, the rush back to the gym within days of each of her babies, and the pride of being the disciplined one. Tara and Maria bring the versions they've lived and the ones they see in the women they work with. We also get into why diet mentality intensifies for women in perimenopause and midlife women navigating a changing body, and why intuitive eating works as an antidote to years of restriction, plus: Why body control feels like being healthy and disciplined from the inside What food rules sound like when they're dressed up as virtue Why food guilt shows up even when you're eating exactly what you planned to eat The question that tells you what diet mentality is actually costing you What changes during perimenopause and midlife that make old patterns louder How the wellness rabbit hole leads to disordered eating without weight ever being the goal The write-it-down exercise Elizabeth gives clients to surface every hidden food rule Why intuitive eating gives you a real way to challenge those rules and let them go Letting go of diet mentality doesn't require an overnight transformation, and this episode shows exactly where to start. Let's rebrand wellness together! Elizabeth, Tara & Maria Experience Wellness Rebranded in real life! Join Elizabeth, Maria, and Tara on October 3rd for Inhale, a one-day fall retreat with movement, nature walks, nourishing food, and conversations that go deeper. Reserve your spot here. The Ultimate Self Care Planner: https://elizabethharrisnutrition.ck.page/9e817ab37e Connect with us! Elizabeth Harris, MS, RDN, LDN Instagram: https://www.instagram.com/ElizabethHarrisNutrition Take the free quiz, What Type of Eater Are You?: https://elizabethharrisnutrition.com/quiz Join The Nourished Table, Elizabeth's monthly recipe club, for $20 a month: https://elizabethharrisnutrition.com/recipe-club Tara De Leon, Master Personal Trainer Email: FitnessTrainer19@hotmail.com Instagram: https://www.instagram.com/tara_de_leon_fitness Join Tara's Newsletter: www.taradeleonfitness.com/connect Maria Winters, LCPC, NCC Instagram: https://www.instagram.com/coaching_therapist/ FB: https://www.facebook.com/MWcoachingtherapy Website: www.thecoachingtherapist.com Episodes Mentioned If this episode resonated, go back and listen to Episode 105: The Myth of Short-Term Diet Success: The False Promises of Diet Culture, where we dig into the false promises of diet culture. If you want to start a podcast or grow your existing one, visit julianabarbati.com and let them know we sent you!

ms fb myth let go newsletter reserve intuitive eating diet culture relationship with food rdn better relationships inhale what type food rules food guilt elizabeth harris

444 and 1111! The Hidden Messages Your Angels Are Sending You Right Now!

god school angels mirror reserve mystics attunement angel numbers hidden messages automatic writing modern mystic glancing

Play Episode Listen Later Aug 25, 2026 53:33

Do you keep seeing 111? 444? Glancing at the clock at exactly your birthday, over and over, like clockwork? What if none of it is coincidence? What if the universe is trying to hand you a two-way phone line, and nobody ever told you that you're allowed to actually call back? Michael unveils his brand-new free Angel Numbers Decoder and walks through what repeating digits, sequences, and mirror numbers actually mean, both for you individually and for the collective moment we're living through right now. From a broken bike seat that led straight to "111 miles to empty" to a live, number-by-number breakdown of dozens of viewer questions in real time, this episode is a hands-on masterclass in translating the numbers already showing up in your life. This isn't about noticing a cute coincidence and moving on with your day. This is about understanding that angel numbers are a two-way street, and that every time one shows up, your angels are waiting for you actually to ask for something back. Key Topics: The core angel numbers breakdown: 1 (alignment), 2 (discernment/ask questions), 3 (creativity/the trinity), 4 (surrounded by angels and love), 5 (manifestation), 6 (love, family, and why the church stripped this number of its true meaning), 7 (blessings), 8 (infinity on its side" or something even better"), 9 (your life path), and 0 (the pause/the breath). Why repeating digits amplify logarithmically: 44 is roughly ten times more powerful than a single 4, 444 a hundred times more, and so on. The difference between sequential numbers (123, 456) and repeating digits, and what each style of number is trying to tell you. Why seeing your own birthdate on the clock is one of the most healing numbers there is, a direct message that you were never an accident, and that you are deeply loved. Mirror numbers and palindromes (717, 711) explained as a "sandwich" structure, blessings on the outside, alignment in the middle, and how to read the story they're telling. Why numbers that seem "early" (like 1110) or "late" (like 1112) are never actually mistimed; they're punctuation marks from the universe telling you something important is coming, even if you don't yet know when. A live, rapid-fire breakdown of dozens of viewer-submitted numbers, including 1911, 811, 611, 2929, 369, and more, each decoded on the spot with its layered, added-up meaning. Why angel numbers are surging in frequency right now specifically because the state of the world feels so chaotic, the universe amplifying its reassurance in direct proportion to how loud and scary the outer noise gets. How to know whether a number is about a twin flame, a loved one who's passed, or a life decision: ask the universe directly for clarity, and trust the feeling state over the thinking mind every time. If everything is God, nothing is not - which means even the messiest, scariest-looking moments right now are still happening inside divine alignment. The angels aren't waiting for you to have it all figured out. They're waiting for you to ask. Every number you notice is a punctuation mark saying you are loved, you are protected, you are cared for, and something even better is already on its way. Get the Free Angel Number Decoder: http://www.AngelDecoder.com Join the Inspire Nation Soul Family!

Rage in Midlife: What it's Really Telling You with Jen Gallagher

Midlife with Courage

Play Episode Listen Later Aug 25, 2026 32:25 Transcription Available

Text the ShowThis week, Kim talks with therapist, writer, and activist Jen Gallagher about women's rage in midlife and why it deserves to be taken seriously instead of minimized. The conversation connects emotional suppression, perimenopause, and physical health, while giving listeners a clearer way to understand rage as information, not failure.Key topicsIn this episode, Kim introduces Jen Gallagher and frames the discussion around rage as a topic many women feel but rarely talk about openly.Jen shares how her own autoimmune illness became the turning point that pushed her to examine how much she had been prioritizing everyone else over herself.She describes how rage showed up in her own life first as road rage, which made her realize she was carrying more suppressed anger than she had admitted.They discuss how women's rage is often layered over years of self-neglect, people pleasing, and emotional minimizing.Jen explains that rage in midlife is often tied to both accumulation and hormonal change, especially the loss of estrogen's calming effect.Kim and Jen talk about how often women are told, “It's just perimenopause,” and why that explanation can erase real emotional and physical needs.Jen shares a powerful example of a woman whose unresolved rage surfaced in a dramatic moment at home, leading to deeper clarity about her marriage and her own needs.The conversation highlights shame and embarrassment as major reasons women do not talk about anger, even when it is clearly affecting their lives.Jen explains that therapy, journaling, and honest conversation can help women process rage safely and identify what it is trying to reveal.They connect suppressed rage with physical stress, inflammation, and chronic activation of stress chemicals like cortisol and adrenaline.Kim and Jen discuss how over apologizing and centering other people's comfort can keep women disconnected from their own truth.Jen reframes rage as an approach emotion, something that can fuel courage, boundary setting, and necessary change.The episode closes with a message of self-worth and permission: women are worth the time and attention it takes to understand what they feel.Connect with Jen on her website: jengallaghercounseling.com and take her rage quiz. What if your next vacation helped you come home feeling healthier, more rested, and truly recharged?Joyous Escape Travel is inviting women to step away from the demands of everyday life and join the Reset & Rise Wellness Cruise this January. It's more than a vacation-it's an opportunity to relax, connect and return home feeling refreshed. Reserve your spot HERE at Joyous Escape Travel today. Support the showHave you been listening to Midlife with Courage™ and thinking, "That's me"?Now it's time to take the next step.It's Not J.U.S.T. You™ is a transformational 4-week workshop designed for women who are ready to stop shrinking themselves, take up space, and live more boldly. Together, we'll uncover the subtle ways we make ourselves smaller, explore why those patterns exist, and practice the tools to communicate with confidence, set healthy boundaries, and step fully into the life we deserve.If you're ready to move from inspiration to transformation, I'd love to have you join us this September.Click HERE to join us! The podcast starts the conversation. The workshop is where the transformation begins.****************************Find Your Vitality Today!We all know our skin changes in midlife and we know there are a lot of products out there making promises. I have found one that delivers and I'd love to have you join me by trying it out yourself. Go to the link below to find out more about this luxurious facial serumhttps://vitalitybioskin.com/products/vitality-society-founding-circle***************************Want to be a guest on Midlife with Courage™-Bold Women Thriving After Forty with Kim Benoy? Send Kim...

courage reset rage reserve midlife gallagher midlife women showthis

Why Higher Investment Returns Won't Solve Your Money Problems

The Infinite Wealth Podcast

Play Episode Listen Later Aug 25, 2026 16:10

Reserve your spot for the next Triple Play Masterclass:

investment taxes solve reserve bleed money problems infinite banking concept free call more ways anthony faso cameron christiansen resources build

474: Did LANTERNS Shine Bright? — Kevin Smith & Marc Bernardin's Review!

Fat Man Beyond

Play Episode Listen Later Aug 24, 2026 178:54

Kevin Smith and Marc Bernardin share their first reactions to DC Studios' LANTERNS! Plus, they unpack the biggest news from D23, discuss Ted Lasso and the latest entertainment headlines, remember the celebrities we've recently lost, and answer questions from the live audience. SPONSORS FÜM Head to https://www.tryfum.com/FATMAN and use promo code FATMAN to receive a free gift with purchase and start the Good Habit today! RIDGE One thing to pack, five ways to power! Get 10% off at https://www.Ridge.com/FATMAN with promo code FATMAN. MORE FROM KEVIN SMITH: JAY & SILENT BOB ARE IN THE HIZZOUSE! Watch now at https://www.youtube.com/@UCArI8Tva2uILc9-xmC8s6Qw SCUM & VILLAINY RENDEZVOUS The perfect gift for the geek who has everything! Reserve an investment in the new Scum & Villainy Rendezvous at https://wefunder.com/scum.and.villainy.cantina

batman dark joker chasing worlds knight detectives reserve ted lasso greatest kevin smith dogma d23 clerks scum fat man lanterns mallrats shine bright good habit marc bernardin

620: Alarmist Predicts an 80%–95% Housing Crash

Play Episode Listen Later Aug 24, 2026 44:51

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan. Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices. He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage. Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning. Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education. Keith Weinhold 0:29 What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth. Speaker 1 1:35 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 1:51 Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower. Keith Weinhold 4:02 Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim. Hayden Weston 5:19 The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent. Keith Weinhold 6:02 A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it? Keith Weinhold 7:54 The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming. Keith Weinhold 9:32 Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more. Keith Weinhold 11:39 You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts. Keith Weinhold 15:00 Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. Keith Weinhold 17:22 Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. Keith Weinhold 20:46 I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com. Keith Weinhold 21:23 Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. Robert Kiyosaki 22:26 This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man. Keith Weinhold 22:47 Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds. Keith Weinhold 25:11 It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible. Keith Weinhold 26:58 Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment. Keith Weinhold 28:09 Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation. Keith Weinhold 30:59 Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code. Keith Weinhold 33:41 Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live. Keith Weinhold 36:46 The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can. Keith Weinhold 38:24 That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not. Keith Weinhold 39:34 But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific. Keith Weinhold 42:23 Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream. Speaker 2 44:14 Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 44:42 The preceding program was brought to you by your home for wealth building. getricheducation.com.

united states america tv american family spotify amazon live tiktok money ai new york city google apple social real americans san francisco green italy management speaker search drive forbes chatgpt protect decisions saving silicon valley invest schools owning pacific snapchat remote reduce bay area usa today leverage irs maintain cancel openai new york mets major league baseball eliminate business insider reserve qualified optimization nationwide naples uber eats negotiate multiply draftkings predicts integrate cpi anthropic tenants robert kiyosaki roth ira brian tracy renters gen zers renter gre betterment 6k mid south housing crash naresh new york fed housingwire forbes real estate council alarmist rich dad advisors moose lodge san francisco standard zumper keith weinhold get rich education terry kerr caeli ridge

Stop Rescuing Your Kids: The Mindset Shift Every Parent Needs

music social media kids preparing launch parent root reserve mindset shifts rescuing soundstripe

Play Episode Listen Later Aug 24, 2026 50:02 Transcription Available

What if the greatest act of love isn't doing more for your children—but trusting them to do more for themselves?In Part 1 of this powerful two-part episode of Mindset Mastery Moments, Dr. Alisa Whyte sits down with certified life coach and parenting confidence coach Randi Crawford to challenge one of the biggest myths in modern parenting.Together, they unpack why overprotecting children may actually be limiting their confidence, resilience, and ability to navigate life's inevitable challenges. Randi shares how years of coaching young women led her to an unexpected discovery: many of the struggles teenagers and young adults face begin long before adulthood—in the parenting patterns developed at home.What We DiscussDr. Alisa and Randi dive into the root causes behind the modern youth confidence crisis and provide actionable solutions for parents:Social Media & Self-Worth: Navigating the subtle psychological impacts of digital culture on today's youth.Competence Over Compliments: Why genuine life skills build long-term self-belief far better than superficial praise.Preparing vs. Rescuing: How to step back from overprotective habits so your children can build real resilience.The Root of Modern Anxiety: Uncovering how well-meaning parenting styles can unintentionally hold children back from independence.If you've ever wondered whether you're helping your child—or unintentionally holding them back—this episode will challenge your thinking and transform the way you parent, lead, and love.Connect with Randi CrawfordOfficial Website: Randi Crawford CoachingInstagram: @randicrawfordcoachingTikTok: @randicrawfordcoaching"True confidence isn't built on compliments. It is forged through competence, resilience, and the trust you place in your children to handle life's challenges."Music licensed through Soundstripe.Code: E7HXW830XCWSRNKJSend us Fan MailReady to turn your message into a profitable speaking career? Join Dr. Karim Ellis for a FREE live masterclass and discover the proven strategies to get booked, increase your influence, and build a speaking business that creates lasting impact and income. Reserve your seat today: https://thegpsspeakersacademy.com/freeclassSupport the show

343: 10 Things I Don't Do Anymore as a Successful Mompreneur

The Mompreneur Life Remixed

Play Episode Listen Later Aug 24, 2026 32:22

What if becoming more successful isn't about doing more, but about finally deciding what you're ready to stop doing? After 20 years of entrepreneurship, I've learned that some of my biggest shifts have come from letting go of the habits, beliefs, and rules I once thought were essential for success. In this episode, I'm sharing 10 lessons I've learned about self-leadership, managing your mind, protecting your energy, overcoming perfectionism, trusting yourself, and identifying which goals are actually worth pursuing. I'll help you look at the rules you've been following and decide whether they're truly serving the woman and entrepreneur you're becoming.

collective 10things reserve mompreneurs martine leadhership

The Bourbon Daily Show #3,602 – Founder's Reserve from Jefferson's Bourbon

The Bourbon Daily

Play Episode Listen Later Aug 22, 2026 25:55

Steve, McNew, Kathy, Goeken and Jeff talk about Founder's Reserve from Jefferon's… a 20-year-old offering. TBD music by Kevin MacLeod (incompetech.com). Important Links: Patreon: https://www.patreon.com/theabvnetwork Our Events Page: bourbonpalooza.com Check us out at: abvnetwork.com. The ABV Barrel Shop: abvbarrelshop.com Join the revolution by adding #ABVNetworkCrew to your profile on social media.

founders kevin macleod reserve bourbon daily show tbd mcnew abvnetworkcrew

422 \\ Cash Flow Mistake Cost Carrie $68K Before Year-End

SMALL BUSINESS FINANCEâ€“ Business Tax, Financial Basics, Money Mindset, Tax Deductions

Play Episode Listen Later Aug 21, 2026 13:04

The money in your business bank account is not always yours to spend. In this episode, Tiffany shares how one business owner confused cash with profit—and nearly ran out of money after taking large owner draws. A hidden $68,500 tax bill and penalty left her business with a dangerously small cash cushion. You'll learn the three numbers every owner should track: total cash, committed cash, and truly available cash. Tiffany also explains how to build a tax reserve, update estimated tax payments, and review smart year-end moves. These practical tax planning and cash flow lessons can help you make better money decisions and protect your business finance. Before you transfer another dollar, listen to this episode. Your bank balance may be telling the wrong story. Next Steps:

mistakes cost copy year end cashflow reserve overpaying free discovery call keep more

E387 - Blade and Bow 12 Year Solera Reserve & Bulleit 87'

The Mash Up

Play Episode Listen Later Aug 21, 2026 63:16

For this Friday's long and strong episode, we dive into a few new things from the Diageo portfolio. The first is Bulleit '87. This new offering is a blend of Kentucky bourbon and Indiana rye finished with toasted American and French oak staves. It is meant to honor the brands founding year (1987), is 90 proof, and carries a low MSRP of $30. The other bottle we taste in this episode is the Blade and Bow 12-Year-Old Solera Reserve. This is a limited offering which features a blend of old stocks finished in a variety of different wine casks. Coming in at 104 proof, this whiskey has an MSRP of $64.99. One of these whiskeys was OK and the other left us scratching our heads. Can you guess which one we weren't super fond of before you listen? Spoiler alert - this was just one of many episodes we recorded in one night so shenanigans ensued. Cheers!--------------------------SocialsIG: https://www.instagram.com/themashupkyFB: https://www.facebook.com/themashupkyYouTube: https://www.youtube.com/@themashupkyJoin our community on Patreon: https://www.patreon.com/TheMashUpBourbonPodcastPartnership(s)Visit Bourbonoutfitter.com and enter code THEMASHUP for a special discount or visit bourbonoutfitter.com/THEMASHUPMusic: All the Fixings by Zachariah HickmanThank you so much for listening!

american spoilers french indiana kentucky cheers blade reserve bow diageo msrp solera bulleit

Treasury and Dev Fund Sustainability, Open or Close Source TSS Library, Update on 3.20 and Monero, ADR 29 Passed | Podcast #227

THORChain Weekly Live

Play Episode Listen Later Aug 21, 2026 108:21

In this episode, the team discusses the latest developments across THORChain, including the ongoing v3.20 vote, the upcoming POL vote, ADR 29 passing, and what could be coming in v3.21 and much more.Swap now https://swap.thorchain.org/ THORChain is a decentralized crypto exchange. THORChain is the first and biggest DEX for Bitcoin. You can use any self custody wallet to swap and there's no KYC required.Timestamps:00:00:00 Intro00:02:00 Marketing update00:03:00 Help desk update00:04:00 MimbleWimble and memoless swaps — don't do it!00:06:00 App Layer features coming to STO00:08:00 Abstracting secured assets away from the user experience00:12:00 Rayyk has been helping a lot with data analytics sites00:13:00 Version 3.20 vote is ongoing — POL vote coming soon!00:15:00 Will auto-claiming bond yield through optional THORName affiliate collector payouts make it into 3.21?00:16:00 Over-solvency explained00:17:00 Treasury discussion00:18:00 What is the future purpose of the treasury?00:21:00 THORChain conference00:23:00 Reserve emission curve and over-solvency — ensuring block rewards continue to be paid00:28:00 Economic Mimir for the emission curve?00:31:00 Voting on the POL percentage00:32:00 ADR 29 passed!!!00:33:00 SwapKit is very excited00:36:00 CCL on the App Layer could help THORChain operate more efficiently00:39:00 When will the App Layer restart?00:41:00 The debt of the United States00:46:00 TSS library: Open source, closed source, or something in between?00:48:00 An ADR to ask nodes what they think about the TSS library?00:50:00 Kenton wants it to be open source00:52:00 A three-month delay before open-sourcing?00:56:00 A closed-to-open-source ADR could be a healthy development00:59:00 What if Chad B were forced by Big Brother?01:02:00 Maya exploit discussion01:07:00 God saves the hardest battles for the toughest warriors01:08:00 We're going to come out ahead01:11:00 XMR is coming — lots of hard work!01:12:00 TAO/Bittensor is slated for 3.21, followed by Dash01:15:00 LP pause and resume question01:18:00 Lessons learned from DeFi over the years01:21:00 We are here for the mission01:25:00 Possible partnerships to create additional revenue streams for the treasury01:27:00 Dev Fund allocation percentage01:30:00 Burn discussion01:35:00 Selling RUNE in a strong market to make capital last longer01:38:00 Looking forward to XMR going live and getting things moving01:40:00 Immediately market the XMR chain when it goes live01:41:00 Call it a soft launch

god marketing lessons open bitcoin sustainability burn voting library fund big brother pol lp reserve passed treasury swap defi adr dex kyc kenton monero ccl tss thorchain mimblewimble xmr chad b

Why Empaths Get Sick - It's Not What You Think - Anita Moorjani

The Mompreneur Life Remixed

Play Episode Listen Later Aug 20, 2026 72:20

It wasn't the cancer that almost killed her. It was the fear. What if that's true for you too? What if the "too sensitive" label you've carried your whole life isn't a weakness at all, but the exact superpower the world needs from you right now? In this deeply moving return visit, Michael welcomes back Anita Moorjani, New York Times bestselling author of Dying to Be Me and Sensitive Is the New Strong, for a conversation that goes straight to the heart of empathy, fear, and self-love. Anita had stage four cancer and hours to live before crossing to the other side and coming back with a message that has changed millions of lives. Today she explains what she discovered there about why sensitivity gets people sick, why self-love isn't optional for empaths, and how to handle everything from online cruelty to a hostile audience member without losing your light. This isn't about fighting off illness or bracing against a cruel world. This is about understanding that fear itself, not the disease, not the diagnosis, not the person yelling at you, is the thing quietly wearing you down, and that healing starts the moment you finally learn to love yourself first. Key Topics: Why Anita says it wasn't the cancer that nearly killed her; it was living in chronic fear, anxiety, and stress that shut down her immune system and let the disease take hold. The fight-or-flight trap: why a body stuck in survival mode diverts resources away from immune function, and why living in that state 24/7 is something humans were never biologically built to sustain. Why empaths have a higher propensity toward illness, not because something is wrong with them, but because they feel everyone else's needs and pain before recognizing their own. The devastating realization Anita had on the other side: that denying herself love and making herself small was, in effect, denying source, God, or the universe the chance to express itself fully through her. Her raw, honest story of destroying a bathroom mirror in a rage after trying to say "I love myself" for the first time, and the long, gentle process of getting from self-loathing to genuine self-acceptance. The "best friend" reframe: how to talk to yourself the way you'd comfort someone you love, and how to rock your inner child the way you'd soothe a frightened four-year-old. Why the Dalai Lama once said his own book on happiness made people miserable, and how self-love can quietly become just another thing people weaponize against themselves. "Stepping into the indigo": Anita's practice for instantly returning to the pure, fearless, connected state she experienced during her near-death experience, without needing a full meditation. Why fear is a human-created construct that doesn't exist in spirit, and why some of it is useful (jumping out of the way of danger) while most of what we carry (fear of failing, fear of disappointing others) is pure conditioning. Michael's own "remember the pink shoe" story - a wild, synchronicity-filled tale of his daughter's shoe swept toward a 300-foot waterfall and miraculously recovered, as proof that you're loved and protected everywhere, all the time, not just in the moment a sign shows up. Handling cruelty and public criticism: why Anita now publicly sends love to hostile commenters rather than hiding from them, and the powerful story of calming an audience member mid-meltdown at a live event by choosing to hear her out instead of having security remove her. The people-pleasing trap: why saying yes out of obligation instead of desire actually undermines the people you're trying to please, and how learning to say a gentle no gives others the chance to show they love you regardless. Why a healthy ego isn't the enemy, it's the combination of deep empathy and deep self-love, which Anita says is exactly what the world is most starving for right now. We are all one interconnected consciousness, which means every act of self-love you choose is not selfish; it's a direct contribution to the collective energy of the planet. When you deplete yourself trying to save everyone else, you're adding to the fear. When you uplift yourself, even in small ways, you're adding to the love. Don't take life so seriously. Play. Laugh. Love yourself up like there's no tomorrow. At the end of your life, that will be the only thing that ever mattered. Join the Inspire Nation Soul Family!

god love school new york times dying laugh stepping reserve dalai lama empaths mystics attunement get sick angel numbers be me anita moorjani automatic writing modern mystic new strong

Will Liberal Democracy Survive? - with Jonah Goldberg

Post Corona

Play Episode Listen Later Aug 20, 2026 46:19

Why have the classical liberal ideas that helped emancipate the Jews become so vulnerable? Dan is joined by Jonah Goldberg of The Dispatch to ask why classical liberalism, which is the political tradition that embraces equality, individual rights and restraints on government, has become so vulnerable. They discuss how the terms liberal, progressive and socialist got confused, and why they think the DSA agenda will fail. Goldberg also explains the economic and cultural forces he sees fueling populism on the left and right, whether America's liberal tradition is strong enough to withstand them, and what its erosion could mean for Jews. Suicide of the West by Jonah Goldberg The Remnant podcast Capitalism and the Jews by Jerry Z Muller Get your tickets to a live taping of Call me Back at the Streicker Center on October 22. —- Call Me Back is made possible by our subscribers. If these conversations are where you turn to understand Israel and the Jewish world, consider joining them. It's what keeps this show going. Become a Subscriber - Inside Call me Back This episode is sponsored by HaYarkon 70. Bring your family together in the heart of Tel Aviv at this restored 1934 landmark, just steps from the promenade and the beach. Its eight luxury residences offer the space and privacy of a home, with full kitchens, spacious balconies, concierge service, and optional breakfast. Reserve your stay at HaYarkon70.com/callmeback. Call Me Back listeners receive 10% off. ___ In this episode: - What is classical liberalism? - How liberalism paved the way for Jewish emancipation starting in the 17th century - How the terms socialism, capitalism, free market, liberal and progressive got jumbled - Why young Americans are rejecting liberalism and the status quo - How economic and technological change fuel discontent and dislocation - What pop culture reveals about the rise of populism - Can classical liberalism make a comeback? - Could the proposals of Mamdani and the DSA actually damage American cities? - Why Jews are caught between the illiberal left and right ___ More Ark Media: Want to join Ark Media? Check out our careers page for new openings. Explore Israel Votes Listen to Ark News Daily Listen to For Heaven's Sake Listen to What's Your Number? Newsletters | Ark Media | Amit Segal | Nadav Eyal Instagram | Ark Media | Dan X | Dan Dan Senor & Saul Singer's book, The Genius of Israel Get in touch Credits: Ilan Benatar, Beth Pearlman, Brittany Cohen, Ava Weiner, Martin Huergo, Mariangeles Burgos, and Yuval Semo

342: You Know What to Do. So Why Aren't You Doing It?

Play Episode Listen Later Aug 20, 2026 24:02

Have you ever known exactly what you need to do but still found yourself avoiding it? Today, I'm digging into why this happens and how your thoughts, beliefs, and perspective can influence everything from procrastination and sales in your business to tackling difficult conversations and leading a team. I'll share practical questions you can use to uncover the thinking behind your actions and help you move forward with more clarity and confidence. We'll also talk about why great leadership isn't just about giving direction; it's about helping yourself and others think differently. My goal is for you to walk away with one powerful question: What am I thinking that's creating what I'm doing?

collective reserve martine leadhership

The US Dollar's Exorbitant Privilege and The International History of Reserve Currencies with Barry Eichengreen | Hoover Institution

The Capitalism and Freedom in the Twenty-First Century Podcast

Play Episode Listen Later Aug 20, 2026 54:49

Jon Hartley and Barry Eichengreen discuss his background and research, the status of the US dollar as a world reserve currency, the yuan's inability to gain traction despite China's growth, the euro, transitions between world reserve currencies, the rise of public debt, and the history of fixed versus floating exchange rate regimes. ABOUT THE SERIES Each episode of Capitalism and Freedom in the 21st Century, a video podcast series and the official podcast of the Hoover Economic Policy Working Group, focuses on getting into the weeds of economics, finance, and public policy on important current topics through one-on-one interviews. Host Jon Hartley asks guests about their main ideas and contributions to academic research and policy. The podcast is titled after Milton Friedman‘s famous 1962 bestselling book Capitalism and Freedom, which after 60 years, remains prescient from its focus on various topics which are now at the forefront of economic debates, such as monetary policy and inflation, fiscal policy, occupational licensing, education vouchers, income share agreements, the distribution of income, and negative income taxes, among many other topics. For more information about the podcast, visit Hoover+.

china freedom capitalism privilege reserve hoover us dollar currencies hoover institution milton friedman international history barry eichengreen jon hartley

Dear Dealer

Last Day

Play Episode Listen Later Aug 19, 2026 35:33

When Nadia Bowers's sister Sasha died of fentanyl overdose in 2015, Nadia was seven months pregnant with her first child and had gotten married just six weeks earlier. Suddenly she had to ask herself: how do I go on after the worst thing that's ever happened to me? In this episode, Nadia tells Stephanie how writing her new memoir, Dear Dealer, helped her process her rage, grief, and the anxiety of new motherhood while navigating this crippling loss. Pick up a copy of Dear Dealer, available wherever books are sold or listen to the audiobook, narrated by Nadia. Order Steph's book Last Day: How to Stop Losing Our Loved Ones to the Opioid Crisis at https://bit.ly/LastDayBook, and the audiobook at https://bit.ly/3RW4WtF, or wherever books and audiobooks are sold. LAST DAY BOOK TOUR SCHEDULE Please join Steph on the road and RSVP at the links below!

books san francisco dear reserve santa monica rsvp dealer bookshop opioid crisis godmothers summerland zibby carmel valley claire bidwell smith book passage jennifer rudolph walsh

Ep. 445: This is my Koopers Whiskey Barrel Reserve Bourbon Review

This is My Bourbon Podcast

Play Episode Listen Later Aug 19, 2026 71:54

Send us Fan MailWe've got a new release for y'all this week, folks, and it's a blend of rye and wheat bourbons from Green River under the Koopers Whiskey brand! For $64, how does it hold up in today's market? And are there too many 4-grain bourbons out there right now? We gotta figure it out the only way we know how: drinking the dang thing! Enjoy, y'all.Become a patron of the show at http://www.patreon.com/mybourbonpodcastLeave us a 5 star rating and review on your podcast app of choice!Send us an email with questions or comments to thisismybourbonshop@gmail.comSend us mail to PO Box 22609, Lexington, KY 40522Check out all of our merch and apparel: http://bourbonshop.threadless.com/Leave us a message for Barrel Rings at 859.428.8253Facebook: https://www.facebook.com/mybourbonpod/Twitter: https://twitter.com/mybourbonpodInstagram: https://www.instagram.com/mybourbonpod/YouTube: https://www.youtube.com/thisismybourbonpodcastSubstack: https://mybourbonpod.substack.comPayPal, if you feel so inclined: PayPal.me/pritter1492Link to our Barrell Rye Armagnac Finished Pick: https://shop.whiskeyinmyweddingring.com/products/barrell-private-release-rye-1a03Support the show

food kentucky alcohol spirits paypal whiskey cocktails reserve bourbon booze lexington rye po box green river podernfamily rye whiskey bourbon whiskey whiskey barrel compaypal

Craving Deeper Female Friendship in Midlife? Here's Why Your Old Circle Faded and What Building Community Actually Takes Now / Ep 203

Wellness: Rebranded - Intuitive eating, diet culture, food relationship, weight training, food freedom

Play Episode Listen Later Aug 19, 2026 32:26

Somewhere along the way, the friendships that used to happen on their own stopped happening. The school pickups ended, the schedules changed, and one day you looked around and realized your circle got smaller. But what if the connection you're craving is more available than you think, and the only thing standing between you and it is knowing where to start? In this episode, we're talking about why social connection changes in midlife, why the female friendship you're craving now is different from the friendship of your 20s, and what it actually takes to rebuild your village on purpose. We also share what our first women's wellness retreat taught us about what women in this stage of life are really asking for. In this episode, you'll discover: The reason your social circle shrank without you doing anything wrong What changes about the connection you crave once you know what being supported actually feels like Why so many midlife women are braver than they were at 25, and what that bravery unlocks The shift that happens when you stop caring what people think of you What a viral Facebook group revealed about how many women are craving women's community right now Why proximity built your old friendships and why building community now takes intention The first place to look when finding community and you don't know where to start How women supporting women becomes the kind of support system that can literally save your life What the research on social prescribing says about connection and how long you live The one thing retreat attendees asked for more of, and what it tells you about what you're missing too You don't need a huge circle or a perfect starting point, you just need one brave yes, and this episode shows you where to find it. Let's rebrand wellness together! Elizabeth, Tara & Maria Experience Wellness Rebranded in real life! Join Elizabeth, Maria, and Tara on October 3rd for Inhale, a one-day fall retreat with movement, nature walks, nourishing food, and conversations that go deeper. Reserve your spot here. The Ultimate Self Care Planner: https://elizabethharrisnutrition.ck.page/9e817ab37e Connect with us! Elizabeth Harris, MS, RDN, LDN Instagram: https://www.instagram.com/ElizabethHarrisNutrition Take the free quiz, What Type of Eater Are You?: https://elizabethharrisnutrition.com/quiz Join The Nourished Table, Elizabeth's monthly recipe club, for $20 a month: https://elizabethharrisnutrition.com/recipe-club Tara De Leon, Master Personal Trainer Email: FitnessTrainer19@hotmail.com Instagram: https://www.instagram.com/tara_de_leon_fitness Join Tara's Newsletter: www.taradeleonfitness.com/connect Maria Winters, LCPC, NCC Instagram: https://www.instagram.com/coaching_therapist/ FB: https://www.facebook.com/MWcoachingtherapy Website: www.thecoachingtherapist.com Episodes Mentioned Want to go deeper on why connection is so good for your health? Go back and listen to Episode 156: Boost Your Health Without Medicine: Understanding Social Prescribing And if the midlife conversation resonated, don't miss our recent episode with Jenn Salib Huber: The Truth About Menopause Metabolism: How to Support Energy, Sleep, and Body Changes (Without Cutting Carbs) Did something in this episode jump out at you? Come tell us about it in our free Facebook community, Health and Healing with Intuitive Eating, where all three of us are active. We want to hear your story! If you want to start a podcast or grow your existing one, visit julianabarbati.com and let them know we sent you!

Is Your Wholesale Business Actually Profitable? | Episode 118

The Buyerside Chat Podcast

Play Episode Listen Later Aug 19, 2026 41:24

You look really successful on the outside. Your bank account says something else.If revenue keeps climbing but profit feels like it's standing still, this episode is your next step. So many wholesale brands miscalculate their profitability, and it's not because you're bad at math. It's because most founders stop at product level margin instead of looking at the real cost of fulfilling every wholesale order.In this chat, I'm breaking down the full profitability formula, the three profitability traps I see over and over inside my client work, and exactly how to diagnose (and fix) a margin problem without panicking or slashing your prices overnight.WHAT YOU'LL LEARN:- Why "my product margin is 80%" doesn't actually tell you if you're profitable- The full formula for calculating your real profit per wholesale order, not just gross margin- Every hidden cost quietly eating your margin that you're probably not tracking- The story behind my most profitable looking holiday season that almost broke me- The 3 profitability traps I see constantly with wholesale brands- Why your opening order minimum might be costing you money- How having too many SKUs hurts your bottom line, even when customers love the variety- The right way to think about raising your wholesale pricing without losing accounts- A simple framework for diagnosing exactly where your margin is leakingEnjoy the chat! Join me live on September 17, 2026 for the FREE Faire Success Blueprint Workshop (updated with brand new content for 2026), where I'm walking you through exactly how top performing brands set up their entire Faire presence, page, pricing, buyer outreach, and email automations, all on top of the profitability foundation from this episode.Reserve Your Free Seat HEREGROW YOUR WHOLESALE BUSINESS:Retail Pitching

live doors profitable faire reserve wholesale skus

274. "We have a newborn and 89% of our income is already spent...Now what?"

I Will Teach You To Be Rich

Play Episode Listen Later Aug 18, 2026 118:56

Ramit Sethi of I Will Teach You To Be Rich speaks with Shelby and Calvin, 31 and 43, who have a new baby and feel trapped by their financial situation. Together they earn about $102,000 a year, but they have just $3,500 in savings, more than $20,000 in debt, and $0 currently going toward savings or investments. Shelby wants more structure and transparency, while Calvin admits that talking about money makes him uncomfortable. Their relationship has also been strained by financial secrecy, including a personal loan Shelby believed had already been paid off. Once their baby expenses are fully accounted for, their fixed costs rise to 89%. Ramit pushes them to stop relying on vague plans and small cuts and instead make bigger changes to how they manage money together. By the end of the conversation, they have a plan to reduce expenses, aggressively pay down debt, save automatically, and become more active financial partners. In this episode, we uncover: Why Calvin kept a personal loan secret Why Shelby does not fully trust him How they earn about $102,000 but still struggle Why their fixed costs reach 89% Why $0 currently goes toward savings Why Calvin says he has been in debt his whole life How he quietly sabotaged their money meetings How their childhoods shaped opposite money habits Why Shelby takes on more financial responsibility Why cutting small expenses isn't enough How Calvin confronts the impact of his financial decisions How they could pay off their debt in around 11 months How they begin saving automatically Whether they can follow through on the plan Chapters (00:00:00) Introduction (00:03:01) Shelby discovers Calvin's hidden debt (00:04:55) Why Calvin kept the loan secret (00:05:52) One layoff away from needing help (00:08:28) Calvin wants Shelby to manage the money (00:12:48) Shelby admits she does not fully trust Calvin (00:21:14) Ramit reviews their financial numbers (00:23:59) Calvin has been in debt his whole life (00:24:42) They earn more than $102,000 a year (00:27:36) Their fixed costs reveal the real problem (00:35:39) Calvin admits sabotaging their money meetings (00:38:08) Their fixed costs reach 89% (00:44:58) How Calvin grew up around money (00:50:10) Shelby's childhood experience with scarcity (00:59:05) Rebuilding financial trust (01:03:03) Ramit rebuilds their Conscious Spending Plan (01:09:17) Creating a bigger financial vision (01:21:07) Redirecting spending toward debt (01:27:38) Calvin confronts his financial decisions (01:54:14) Shelby and Calvin's follow-up This episode is brought to you by: ElevenLabs | If you run a business or handle customer operations across support, sales, or marketing, start with a demo at https://elevenlabs.io/ramit Skylight | Get $30 off a 15-inch Calendar at https://myskylight.com/ramit ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Start a business in one hour | Join Ramit live on August 19 at 8pm ET for “Start A Business in One Hour.” Reserve your spot at https://iwt.com/business Rich Life Session | Join Spencer Greenberg and Jeremy Stevenson live on August 20 at 4pm ET to learn which self-help techniques actually drive lasting change. Sign up at https://iwt.com/events Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

new york times income rebuilding calendar spent reserve newborn start a business redirecting ramit sethi ramit i will teach you to be rich

Heal in Real Time With Us | Come Back to Life | Michael Sandler

The Emotionally Healthy Leader Podcast

Play Episode Listen Later Aug 18, 2026 43:44

Have you been feeling grayed out lately? Numbed up? Like you're going through the motions of your own life but no longer quite feel like yourself? What if that slow, quiet malaise isn't something you have to live with, and what if healing it doesn't require years of work, but simply showing up in the right room, at the right frequency, with the right people? Michael steps outside his usual format to do something he's never done on air before: bring the audience directly into a live group energy healing experience, the same kind of work that's produced what participants are calling miraculous results in his Come Back to Life summer program. From a guided "wall" visualization for shattering limiting beliefs to a full live attunement, this episode is part teaching, part experiential healing session, and part invitation into a small, intimate fall program built entirely around this same energy. This isn't about hoping for a slow, gradual improvement someday. This is about stepping directly into a healing bubble together, right now, and discovering just how much can shift in a single sacred hour. Key Topics: Why the most overlooked kind of healing isn't physical; it's the slow, gray malaise of feeling numbed out and disconnected from your own aliveness. The science behind group healing: Lynne McTaggart's research in The Power of Eight, showing that when a group prays or sets intention for one person, spontaneous healings ripple outward to others in the circle as well. A live group healing circle at Michael's Vermont "mirror pool," setting both a collective healing intention and a deeply personal one for each listener. Why it's essential to ask boldly for what you truly want - not the small, safe version, but the real desire sitting underneath, whether that's physical healing, freedom, abundance, or a life partner. The "wall" visualization: carving your intention into an immovable wall with a magic pen of golden light, then leaping, springs on your feet and all, to the other side, into the life already realized. Why a single anchor word (Michael uses "yes") can instantly return you to a felt sense of your desired future, the same way scent or a hotel key code unlocks something instantly. The origin story of Come Back to Life: how Michael's summer experiment in group energetic healing led to reported miracles - including reduced A1C, resolved back pain, phantom limb pain disappearing, and people coming off pain medication entirely. You don't need to wait for permission to come back to life. The wall you think is holding you back - the diagnosis, the doubt, the "you're too old" or "you'll never", was never as solid as it seemed. Carve your intention into it, leap to the other side, and remember: you are not broken and waiting to be fixed. You are a divine being already whole, simply waiting to reconnect with your own true, healed essence.

live thanksgiving power school comeback heal vermont reserve real time mystics carve a1c attunement angel numbers automatic writing modern mystic lynne mctaggart come back to life michael sandler

Reversal #3 — From Our Best Ideas to Discerning God's Voice

Play Episode Listen Later Aug 18, 2026 32:07 Transcription Available

Pre-Order Pete Scazzero's forthcoming book, Emotionally Healthy Success, at www.emotionallyhealthy.org/success and get a free chapter. For my first seventeen years in ministry, I led for Jesus without listening to him. My prayer life was mostly a list of requests. When a door opened, I walked through it and called it faithfulness, following my best ideas and telling myself it was discernment.In this episode, I walk through the third of four reversals from my new book: the move from our best ideas to discerning God's voice. Even Peter, James, and John struggled here. Peter watched Jesus transfigured on the mountain and responded with a plan: let's build three shelters. God interrupted him mid-sentence. "Listen to him." Not "help him." Not "build for him." Listen.If you've ever assumed your best idea for God was from God, this episode will show you a better way. Discernment isn't a bonus skill for the spiritually elite. It's the difference between leading for Jesus and actually listening to him.Reserve your spot at our upcoming Global Leaders Conference.September 30 – October 1, 202614th St. Salvation Army, NYC(Live Spanish Translation available)Register Now: https://ehd.churchcenter.com/registrations/events/3421612Learn more about the EH Global Leader Conference 2026: http://www.emotionallyhealthy.org/conference

god jesus christ voice discernment reserve reversal salvation army best ideas discerning god even peter

Grace Belangia on Angel Investing, LP Funds, and Building Wealth Outside Silicon Valley

Getting Rich Together

Play Episode Listen Later Aug 18, 2026 46:24

Grace Belangia didn't build her startup ecosystem in Silicon Valley. She built it in Augusta, Georgia, a city with medical, military, and energy communities but no established tech community. On Getting Rich Together, host Syama Bunten talks with the cofounder and executive board member of Make Startups about her path from writing angel checks on her own to becoming an LP in a VC fund. Grace traces her money instincts back to her mother, an immigrant who taught her that saving and investing are two different things. That lesson followed her into a research role at a private equity firm in her twenties, where she saw firsthand how the investment world worked and started learning how capital actually moves. She talks through how she learned to angel invest through Pipeline Angels, what it took to learn the space through a six-month investing cohort, and why she eventually expanded from direct angel investing into funds run by managers she trusts. She also explains economic mobility through entrepreneurship and the philosophy she calls reserve and deploy. If angel investing for women feels out of reach, or you're curious about what it takes to become an LP in a venture capital fund, this conversation lays out the real path Grace took. Press play, then find a salon near you or grab a seat at the Wealth Catalyst Summit in San Francisco on October 16 at wealthcatalyst.com. Episode Breakdown: 00:00 Grace Belangia's Childhood in LA and Palo Alto 05:12 High School Years and Early Community Building 07:43 College, Political Science, and Career Uncertainty 10:49 Learning Finance Inside a Private Equity Research Desk 14:44 Marriage, the Navy, and the Move to Georgia 20:10 Founding a Startup Ecosystem in Augusta 23:07 Learning to Angel Invest Through Pipeline Angels 29:20 How Grace Became an LP in a VC Fund 33:39 Reserve and Deploy, Grace's Investing Philosophy 38:04 Economic Mobility, Legacy, and Building the Bridge Find more from Syama Bunten: Your money story may be shaping your financial life more than you realize. After hundreds of conversations with women at all stages of their financial lives, Syama distilled the questions that helped her understand her own patterns into The Money Story Reset, a free guide featuring five guided reflections and personal stories from her journey. Download The Money Story Reset and begin uncovering the beliefs behind your financial decisions. Attend a Salon near you: wealthcatalyst.com/salons Instagram: https://www.instagram.com/syama.co/ Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/ Website: https://wealthcatalyst.com Download Syama's Free Resources: https://wealthcatalyst.com/resources Wealth Catalyst Summit: https://wealthcatalyst.com/summits Speaking: https://syamabunten.com Big Delta Capital: www.bigdeltacapital.com Podcast production and show notes provided by HiveCast.fm

Leaving Earth to Join the Aliens: North Cowichan Municipal Forest Reserve

National Park After Dark

Play Episode Listen Later Aug 17, 2026 56:48

In November 1980, Granger Taylor vanished after leaving a note claiming he was departing on a 42-month journey aboard an alien spacecraft and was never seen again. What followed sparked decades of theories and left many unanswered questions, the most important of which was - is Granger still out there somewhere on a mission with extraterrestrial forces? JOIN US ON TOUR For a full list of our sources, visit npadpodcast.com/episodes For the latest NPAD updates, group travel details, merch and more, follow us on npadpodcast.com and our socials: Instagram: @‌nationalparkafterdarkTikTok: @‌nationalparkafterdark Support the show by becoming an Outsider and receive ad free listening, bonus content and more on Patreon or Apple Podcasts. Want to see our faces? Catch full episodes on our YouTube Page! Thank you to this week's partners! Blueland: If you're looking to make a small change in your routine, you can get 15% off your first order at Podcast | Blueland . That's 15% off your first order at Podcast | Blueland . Harvest Hosts: Head to Unique RV Camping at Farms, Wineries, Breweries, & More with Harvest Hosts and use code NPAD20 for 20% off a Harvest Hosts membership. IQBAR: Get 20% off all IQBAR products, plus FREE shipping by texting PARK to 64000. Message and data rates may apply. See terms for details. Smalls: For a limited time, get 60% off your first order, plus free shipping, when you head to Fresh Human-Grade Cat Food Delivery | Smalls . Tumble: For a limited time only, our listeners get 10% off + free shipping at Tumble - Spillproof & Washable Rugs . After you purchase, tell them National Park After Dark sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

north aliens park outsiders reserve farms breweries municipal wineries granger iqbar leaving earth granger taylor harvest hosts cowichan national park after dark

619: The World is About to End, The Seven-Figure Solution

Play Episode Listen Later Aug 17, 2026 47:36

Keith breaks down why global crises, geopolitical shocks, and nonstop "doom" headlines haven't stopped stocks and real estate from reaching near all-time highs, and what that means for investors focused on inflation-resistant assets. He also discusses Memphis as a surprising cash-flow market poised to benefit from the AI boom, sharing details on an upcoming webinar with Mid South Homebuyers. Keith is joined by real estate investor and educator Jared Garfield to unpack the "Seven-Figure Solution," a strategy that combines cash-flowing rentals with tax-advantaged life insurance to create liquidity, reduce risk, and support long-term retirement income. Together, they explore how disciplined portfolio growth, smart leverage, and coordinated tax planning can help real estate investors better align their assets with their long-term financial goals. Episode Page: GetRichEducation.com/619 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:02 Welcome to GRE. I'm your host Keith Weinhold. The world is about to end again. It's the economic disaster that never arrives. I'll break it down. Then you've been earning money and investing well all these years. How does it all go together? It can culminate in the seven-figure solution, it's about seeing your future today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. And September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before, we're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth. Speaker 1 1:39 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 1:55 Welcome to GRE from Kankakee, Illinois, to Cherokee, Iowa, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Recid Education, and the world is about to end. Even if you survive, your portfolio surely won't. Oh, jeez. At least that's the impression you get from mass media and what I'll call the Doom Scroll Industrial Complex. Fear creates urgency. Urgency attracts eyeballs. Eyeballs attract ad dollars. And I guess that using a slogan like "everything will probably be fine" well, that's never been a great ratings strategy. Now, can what has happened since 2020. Just this cheery little sequence: COVID, then Ukraine, Israel, Gaza, tariffs, and then the war in Iran. All that just since 2020. I mean, that right there sounds less like an economic timeline and more like a movie plot, or that the world is repeatedly spinning the wheel of misfortune. Yet after all of that, what is the result? Both stocks and residential real estate are near all-time highs. Apparently, the apocalypse has been postponed yet again-at least economically speaking. Now let's zoom out and break down these threats and a few more, all just since 2020, because 2020 is the year where, of course, you had the COVID-19 pandemic, economic shutdowns, the fastest major stock bear market in history, supply chain breakdown. You saw empty shelves, and there was unprecedented government intervention from the Paycheck Protection Program to stimulus checks to mortgage loan forbearance. Then, in 2021 and 2022, you had post-COVID inflation and supply shortages. Now, this was more of a result, not strictly geopolitical, but a major investment threat, and that led to aggressive interest rate hikes. From 2022 to the present, you have Russia's invasion of Ukraine, energy and food shocks came from that, sanctions, instability over in Europe, and really a heightened nuclear risk in 2023. You had the U.S. regional banking crisis. Remember SVB, yes, Silicon Valley Bank, Signature Bank, First Republic. They raised fears of a financial contagion that would spread like fat. Than a secret in a small town, it actually made me buy some gold. From 2023 to the present, you had the Israel-Hamas war and this broad Middle East instability, Hezbollah attacks, Houthi attacks, Red Sea shipping disruptions. It's almost like a geopolitical group project. And then from 2025 to the present, you have renewed U.S. tariffs and a global trade war, and this year you have the U.S.-Israeli war with Iran and the Strait of Hormuz disruption. That is the biggest current geopolitical investment threat because it combines all of these things: war, oil disruption, inflation, higher interest rates, and a recession risk. So it's a lot like this particularly unpleasant smoothie that's been blended together. Keith Weinhold 5:55 All right. Well, all of that-that is just an absurd amount of uncertainty and disruption only since 2020, and though major markets are at all-time highs in the face of this, let's acknowledge that some were hurt here, like apartment building owners vulnerable to interest rate resets, and certain commercial sectors like office. Even worse, let's be sensitive to the fact that COVID in wars have resulted in a real loss of life. GRE's enduring strategy of primarily owning long-term residential rentals with fixed-rate debt has been comparatively really resilient. In fact, these calamities-they probably made you better off from the inflation that it has spurred. More people work from home. Well, that means that they're consuming our product while higher inflation debased our debt and jacked up our property values and our rents. And you know somehow every. single generation thinks that their collection of crises is uniquely terrifying, and it is not. And what do I mean by this? Well, in the 1980s, people feared war with the Soviet Union, the Cold War. A global population explosion so bad that millions or billions of people would surely die from hunger. You had the AIDS crisis. You had a hole in the ozone layer. Well, all those things. Virtually zero investors make decisions based on that stuff: an imminent Soviet attack or mass starvation from overpopulation. There is one thing that is 100% certain here, and that is that more shocks are coming. In case you don't want to sleep well, you can get worked up over the certainty of future calamities, artificial intelligence is making cyber attacks faster and more scalable. AI has even created entirely novel viruses. A confrontation between China and Taiwan that could create risk in the semiconductor space. Keith Weinhold 8:18 A blockade that might disrupt the world's advanced chip supply, creating more inflation and more uncertainty. Here is what's changed, though, for what investors care about. You know what has changed with today's set of calamities versus those of the 1980s and earlier, because there is something, and it's a big deal for investors. Here's what's changed: recent history shows that the government does more to intervene during disasters, stimulus checks, liquidity programs where they're printing trillions, bailouts, pushing interest rates down to almost zero, quantitative easing. How about a foreclosure moratorium? Anything you know during COVID, it was a lot of these things, and it was the CARES Act, and it was a student loan payment pause. I mean, the Federal Reserve even set up emergency credit facilities. We now know that when the economic building catches fire, policymakers they rarely stand around admiring the flames. They just flood the place with currency. So the best investors they keep prudently building real estate portfolios in the face of risk, not the absence of risk, because the latter does not exist. This incessant government intervention, whether you agree with it or not, it gives you more safety cushions the next time that things fall apart. That's why what appears risk. Is still risky, but less so. So there is more incentive to take on prudent risk than I've ever seen. You know, no politician wants America to fall apart under their watch. So increasingly, they'll just paper over the problem by printing, printing, printing, and then, therefore, the resultant inflation, the consequence of this, that can be dealt with under the next president's watch, not theirs. In fact, future calamities they almost make you want to own scarce real assets that benefit from inflation, not a hedge, a benefit. Trying to time every war, election, banking crisis, tariff announcement, virus, and Fed decision. Trying to time all of those things-that is usually ineffective. You either own more assets, or you get left behind in everything that's happened since 2020. That just underscores this. In fact, Berkshire Hathaway, the closely watched company that Warren Buffett ran for a long time, but he still has influence in. Keith Weinhold 11:16 You know, they recently began moving out of cash and into assets, they ended their long net selling stretch. In fact, in the latest quarter ended, they've now done the most buying that they've done since early 2022. They have jumped back in the game. It appears that Berkshire Hathaway got tired of sitting on the sidelines and seeing others make gains, and they're pretty bullish on housing too. They bought a home builder. The bottom line here is that shocks are going to keep arriving, and yet productive assets and well-financed residential real estate has repeatedly survived them and just continued appreciating. Don't wait for a risk-free world because you'll wait forever. When you evaluate all these calamities, just since 2020, again, COVID, Ukraine, Israel, Gaza, tariffs, and war in Iran, and then you realize that both real estate and stocks are near all-time highs anyway, and the government keeps backstopping asset owners like never before. This is just a fresh angle on how much better off you are when you prudently own more inflation-benefiting assets sooner. I want to tell you about something called the seven-figure solution. You've been here listening to me weekly since 2014. You've been earning money. You've been investing well, and now you're going to see how it all goes together. It's about making sure that your real estate and your other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time. Now the liquidity here is key because this is where a 401(k) or IRA limit you, they have taxes and penalties if you want to use those funds early. This doesn't, but the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach Narayish uses something like this, and he is in his 30s. Let's discuss it, and then you'll see where I have an invitation for you, where you can get involved. I'd like to welcome in a guest we last had on the show a few years ago. Keith Weinhold 13:54 He's a frequent guest on popular shows, including our friends over at the Real Estate Guys Radio Show, and this guest has also been a terrestrial radio show host himself. He's a long-time real estate educator and an active investor, just like you and I. So he speaks from experience and not a textbook. He's the creator of what we'll discuss today, called the Seven Figure Solution. Welcome back to the show, Jared Garfield. Jared Garfield 14:21 Hey, it's great to be with you again. Thanks for having me. Keith Weinhold 14:25 It's so good. Now you're with the Haven Bridge Group, and you help people, especially real estate investors, with what's called the seven-figure solution. Tell us about it. Jared Garfield 14:37 it. Well, Haven Bridge, we get the name for that because people are really looking for a haven of safety, and the bridge is kind of what crosses the gaps that could kind of destroy your wealth, and it's the path to get there. So we want to take people on a path to safety, and the seven-figure solution is the idea that if you're going to be drawing out even 4% per year to not outlive your money, because people are living now. To 8590, 95 years old, and so that means you could have 35 years in retirement. And with inflation and different things like that, you really have to have a lot bigger nest egg than what most people realize. So a seven-figure solution is how to get to more than a million dollars liquid that you can draw on in a tax advantaged manner for the rest of your life, while also having living benefits. And we pull real estate in with it because we want people to have 10 or 15 or 20 rental properties by the time they retired. That they 1031 exchange regularly, so that they're always keeping tax advantages. So that even in retirement you have strong tax advantages, and ultimately we think that when you're 65 or 70, you might want to go from 30 single-family houses to 1031 exchange into one institutional asset that's a little bit less management intensive. Keith Weinhold 15:57 Okay, so this is a tax advantage vehicle that real estate investors can use during their investing career, and those tax advantages then really convert into something that you can use in retirement as well. Jared Garfield 16:11 Yes, what it does is it's a vehicle that instead of saving the money from your cash flow from your rental properties in the bank, we say, well, why wouldn't you rather invest in something where it grows tax-free, number one, and then number two, you don't have the penalties like you would with a 401k, where you get taxed and you get penalized 10% if you pull it out. It's liquid, usually about 80 to 90% liquid, so you can pull from it whenever you like, and you can use it for down payments to grow your real estate portfolio. But you can earn sometimes between five and even seven or 8% in a tax advantaged manner where you're not taxed on it, but you're earning a much higher return than if you put the cash flow into a bank. Keith Weinhold 16:51 All right, so you're building this tax advantage pool of capital that grows over time, and this is important to have some liquidity. You know, Jared, I've often talked to our audience, about three to 5% of your portfolio value ought to be kept liquid. Maybe with a vehicle like this, you would want to put in more of that because real estate investors we have expenses, so you have this liquidity to cover things like vacancies and major repairs, or perhaps you could even use this account for future down payments on additional investment properties. Is that how it's utilized? Jared Garfield 17:27 Yeah, absolutely. And I get it partially this way because in my early 20s, I got up to where I had about six rentals, and at the time, I also owned a real estate brokerage, and I was doing very well. I was making a six-figure income and things. And what happened is, I back when a Keith Weinhold 17:41 six-figure income was a big deal. Jared Garfield 17:43 Yeah, back in the early 2000s, it was a little bit better money. But the funny thing was, I had four rental properties that all went vacant at the same exact time, and so now all of a sudden, I was paying like 4500 bucks a month in mortgages, not counting the house I lived in, but I had to cover four mortgages on four of my rental properties all at the same time, and I hadn't saved the cash flow, so I didn't have a huge emergency fund. All my liquid capital went into down payments and into renovation money to rehab the properties. Okay, and so it put me in a real bind, and I was out driving a Volvo S80 around throwing two paper routes in the mornings, and then going to my real estate brokerage after my paper routes to cover those rental properties. And so this was basically meant as a way to say, okay, this is a way that I have the liquidity. I'm getting a higher return, but now my tenants are not only buying me the houses, but they're also giving me a couple million dollars in life insurance, and they're wrapping my investment component or the cash value of that, the cash value part of the policy. They're wrapping that in a way that it grows tax-free, so it just accomplishes a lot of things. But the other thing that's a beautiful thing about it is there's a lot of things that we call living benefits. Keith Weinhold 19:02 All right, so you have the living benefits and the tax advantages, and I know how you have pointed out that this can save an investor 10s of 1000s of dollars in taxes per year and hundreds of 1000s or more over time. Can you tell us more about that? Jared Garfield 19:20 Yeah, because what happens is the money that goes in is growing tax-free, so you don't get taxed on any of the growth. But what we really like about it is, let's say that you're cash-flowing $2,000 a month off your rental properties, and you're putting 2000 a month into this policy. Usually, after the first year, if you're max funding, 80 to 90% of that's liquid. So if you've got 24,000 sitting in there, you've got access to 89 to 90% of the money. So it's pretty liquid. But what happens is over a 20 or 30 year period, that money could turn into three or 400,000 a year that you can pull out in the form of policy loans. And by doing that, it's not taxed. And you can pull that out throughout your retirement tax-free. So if you were paying 25% in taxes and you're pulling out 200 grand a year, that's $50,000 a year in retirement that you're saving in taxes. But that could be over a 20 or 30-year period. So over 20 years, that 50,000 could end up being a lot of money. I mean, 500,000 over 10 years, a million over 20, and so that means you don't have to accumulate as much. But a lot of our investors love it because they'll save it up with discipline, and then that way it's there if the furnace blows. So it makes your real estate safer, but it also becomes your down payment funds to expand your portfolio. Keith Weinhold 20:40 Okay, the seven-figure solution is the vehicle that we're talking about here, and what part of the IRS code, just briefly, is it that gives this tax advantage? Jared Garfield 20:51 It's Internal Revenue Code Section 79 that allows it to grow tax-free. In the 1980 s, doctors and a lot of very wealthy people were using this to the point that IRS changed the laws. They went and sued the insurance companies because doctors would go in and dump $2 million in, and they would buy a $2 million life insurance policy. So they were self-insured, which meant that they didn't have any cost of mortality on it. So they basically got all the benefits of the tax-free growth and the tax-free pullout. And the IRS said, "Wait a minute! We think you're doing tax evasion. So what they did is they came around and they said, "We're not going to let you use this loophole anymore for the very wealthiest people to have this. So they came to a compromise, and the compromise was that if you wanted to put in 2 million, you had to maintain a corridor where there had to be a little bit higher amount of life insurance. So you might have to buy a $2.3 million policy, but then you could still dump, say, $2 million in and have all the tax advantages. It's a strategy that's been used for over 100 years by families like the Rockefellers and the Hunts and J.P. Morgan. The very wealthiest families have always used these strategies to grow and protect their wealth. Keith Weinhold 21:59 Okay, so it's a part of the tax code that allows cash value to accumulate within and be withdrawn from a life insurance policy tax-free. Jared Garfield 22:11 Correct, and it gives you living benefits, which I alluded to a minute ago. And the living benefits are if if you end up having to go through things like long-term care, disability, if you can't perform, you know certain functions for a certain period of time, chronic illness, critical illness, terminal illness. If any of those things happen to you, you can borrow against the policy and have access to money during those things that would normally decimate your wealth, because you can actually access the death benefit in advance. Keith Weinhold 22:42 Now I know a little about the six risks. Tell us about that. Jared Garfield 22:47 Well, Keith, there are six risks that all investors face regularly. The first one is inflation erosion, and that means that your purchasing power often ends up leaking out of your balance. And the balance might look fine, but inflation can eat away at it. So even if you've raised a lot of money, if inflation means that you can buy half as much five or 10 years from now, then you know your wealth isn't as big as you thought. The second is the volatility setback, and that's sequence of return risk. That means that if you retire on a bad year where things really bad, stock market drops, you could end up using your money at a time where it really weakens your wealth because it may have dropped by 50% So if you had a million, now you have a half a million, and you're spending 100,000 a year. At the end of year one, you might only have 400,000 left. So sequence of of return risks from volatility setback, tax drain. That's just the compounding cost of an uncoordinated tax picture can really be a problem, and then the next one is liquidity. If you don't have liquidity and you've locked up all your money and you can't access it until you're 59 and a half without significant taxation and 10% penalties, the liquidity lock is a problem. There's the longevity paradox. What happens if you outlive your money, you know. So living longer is a benefit, but it exposes you to where you might not have enough money to live on in your latter years. The last two are care avalanche, and that is if an unexpected health event happens at the wrong time, it could really destroy your wealth because medical costs have spiraled out of control, and then the last one is the line to land, and that's only one of the six that's really about growth. Keith Weinhold 24:28 Right, only one of the six of those was about growth. I can't stand the longevity paradox. Yeah, we think we all want to live a long time, but then it's more difficult to fund living a long time, and if you outlive everybody, nobody shows up at your funeral either. The longevity paradox-one of the six risks that the seven-figure solution can really help you with. Now, tell us more about funding it, so you can get a good cash value balance in. There, I know that one way you do it is actually with short-term rentals instead of a paycheck. Jared Garfield 25:06 We love short-term rentals, especially for our highest net worth clients, because the reason is is the bonus depreciation of the big beautiful bill. Oh, right! You could take up to like 150 or even $200,000 in year one, they take that depreciation that they used to spread out over a whole lot of years, and they make it to where if you get with your CPA and you analyze your short-term rental, you could potentially take all of the furnishings, all of the artwork, all of the dishes and things that are in the property. Sometimes they'll let you take components like the appliances, the air conditioning unit, the furnace, and they'll let you take it all in year one instead of having to line item it and spread it out over you know 27 and a half years. So what this means is, if you have a short term rental, then you you might get like 150 to 200,000 tax break in the first year on the right property, but it's better than that because instead of having to have like 750 hours to hit full-time real estate professional status, it cuts the hours that you have to have significantly down. I think it's more like 150 hours or something like that, or 300. It's like half the hours, and so you can hit the benefits of taking unlimited passive loss much easier if you have a couple of short-term rentals. Keith Weinhold 26:24 You're listening to Get Rich Education. We're talking with Jared Garfield about the seven-figure solution, something that takes some time to understand, but it can give you a tax-advantaged pool of capital that grows over time, and it also creates this overall tailwind, not just during your investor life, but then it provides tax advantaged retirement income at the same time. More on this when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group and MLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com, that's ridgelendinggroup.com. Keith Weinhold 27:25 Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. This is the Speaker 2 28:28 Real Wealth Network's Kathy Betke, and you are listening to the Always Valuable Get Rich Education with Keith Weinhold. Keith Weinhold 28:46 Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking about the seven-figure solution with Jared Garfield. Something that can be a particular benefit to real estate investors both during your investing career and then once you're in retirement as well, and this can take the form of either an indexed universal life policy or a whole life policy. There are a lot of wrong ways to do this and wrong things to get into. We're talking about the right way. Part of that is funding it as best you can. Can you tell us more about that? Jared Garfield 29:20 Well, there's a lot of different ways to fund it. A lot of our clients will come in. We have some people who will use rollovers if they're nearing the end of retirement. Some people will roll over a 401k into a cash value life insurance policy because they can do it over a five or seven year period, and they pay the taxes when they roll it over, so their taxes go up a little bit for five or seven years of retirement, but then what happens is that means that during their retirement they're not taxed on the income all the way through retirement, so that can save really significantly. But a lot of our clients will do a flip and dump 40 or 50,000 a year in by just saying I'm going to do one flip a year and use that to. Fund the whole thing, or they'll take the cash flow and dump the cash flow into here instead of the bank, just so that they get the living benefits and they get the much higher return with still 80 to 90% liquidity. So could be cash flow from rentals, could be money from a flip, or sometimes some of these short-term rentals can make 20 to $30,000 a year, and if you get $100,000 tax break, you have more money that's not going to Uncle Sam, and then because that's your discretionary income now, because of the tax break, you could use that money to for down payments to grow your portfolio or to do a flip. Keith Weinhold 30:35 Now, Jared, I sort of think of the cash value that you're accumulating in this policy as safe money that grows at a slow to moderate steady rate, but if it rarely or ever loses value, can you tell us more about that and the rate of return expected in the policy? Jared Garfield 30:52 Yeah, absolutely. With the IULs, it's going to depend a little bit upon the carriers and stuff like that, and whether you go with a mutual company and stuff like that. It can vary, but a lot of times people are going with things that are what we call indexed. So you can actually index it to the S and p5 100 if you think that we're going to have a bull market and the market's going to really go up strongly. You can index it to the market, and sometimes they'll have a participation rate where they'll say, "Okay, you can participate up to 12% So if the stock market does 17% the most you can make is 12% So you're giving up a little bit of upside, but that's still not nothing. I mean, that's not three or 4% You can still make you know 10 or 12% that year, but you're giving up the part above the participation rate. And the reason that you do that is if the market tanks and drops by 30 or 40% The worst you can do is 0% return. Zero is my hero because you didn't lose anything. So if you had a half a million sitting there, you don't go down to 250 and then wait eight years to get back to break even. Instead, you're still at half a million. And if the market goes up next year by 20% and you had a 10% cap. Then your half a million, you know, is now at 550,000. When everybody else, if it went up by 10% they're at half the amount that they had. Keith Weinhold 32:13 You have a story or example of how you've helped somebody with this, because I know a lot of investors that are passionate about utilizing the cash value inside an insurance policy tell us. Jared Garfield 32:28 Well, I've got one friend who's a developer, and he did like a $5 million policy. And every time he flip a subdivision or flip a house, and let's back Keith Weinhold 32:36 up. Does a $5 million policy mean that's the death benefit? Jared Garfield 32:40 Yeah, that's the death benefit. Thanks for catching that. That's the death benefit, but that also has a correlation to how much money you can dump into it. So if you have a $5 million policy, you can dump a lot more money in for the tax free growth. And the quicker you hit that death benefit amount, at that point you're self-insured, and so at that point you really don't have cost of insurance on administering the policy hardly at all, and so at that point, when you're what we call self-insured, the return on the investment becomes a lot better. But this particular developer was able to use this policy because he had so much cash value in, and if he sold a house, he'd take 40,000. If he sold 10 a year, he might take you know 400,000 and dump it into this policy, and so it made him bankable. And he was able to use the money to go out and do new subdivision developments because the bank would actually use the policy as the collateral to be able to give him loans at much lower interest rates. Keith Weinhold 33:38 That's valuable. Tell us about that. I don't want to use the wrong words here, but then effectively with this example, are you borrowing against the funds in the policy? So therefore, you can get those dollars working for you somewhere else, all while simultaneously the cash value continues to compound and grow. Sort of another form of leverage. Jared Garfield 34:01 Correct. What they basically do is they basically freeze part of the amount and say, okay, we're using this as the collateral and stuff like that to be able to do the loan. But if it grows and and makes 7% you're still making the money off of the money that's sitting in there. It's just collateralized as part of the loan. And some people will even use it to like go buy a car, like instead of buying a car and going getting a bank loan and paying 7% to the bank, they might borrow money out, go pay cash for the car from the life insurance policy loan, and pay 2% instead of 7% But they're paying it to themselves, and as long as they're paying the interest to themselves, if the money that they borrow out could potentially still earn the same money and earn 7% even though you had borrowed out. So it's doing two things for you at the same time, as long as you're paying that loan interest. But and that depends on the option that you take when you do your loan. Keith Weinhold 34:54 We love leverage around here. Leverage trumps compound interest. In so many ways. Oh, I'm really glad that you told us some more about that using the funds in more than one way at the same time. Tell us more about what it costs for the investor, the costs of setting this up, and then what some of those trade-offs are, Jared. Jared Garfield 35:18 Well, that really depends on the individual. I mean, everybody has to sit down and be able to decide what is acceptable for them. You know, a lot of times people will want to max fund the 401k that they're doing at least just to the amount that's matched. But then after that, this could be a great place instead of putting a whole bunch more money into a 401k. Some people will elect to say, "I'm going to put the matching portion into my 401k, but then I'm going to take my cash flow from my real estate and money that I could have contributed to other alternatives and put it into this because I want the liquidity. I want to be able to leverage this money and pull it out without any restrictions. That as long as I can pull out 80 to 90 percent, I could go buy a car wash, or I could invest in a business, or I could, you know, do whatever I wanted to. I could loan it to my kids for their college and make them pay me loans back to my policy. There gives you a lot of flexibility to do it. But the thing that we love about it is we'll do what's called an illustration, and it may end up if you start at the right time, it could be a six-figure passive income stream at retirement, and then if you have the real estate, because this helped you grow your portfolio, where without doing the strategy, you might have ended up with say 10 properties. We might be able to get you to 20 or 30 properties working together as a team with your real estate coaches and stuff like that. Then we can potentially grow your real estate portfolio, and what we want to do is 1031 exchange every seven to eight years. I don't believe in holding properties for 30 years. Jared Garfield 36:47 I believe in exchanging them every seven to eight years because when the tax benefits have been used up, if you exchange to twice the size portfolio, you have better appreciation on a portfolio worth twice as much. But that new value, you still get the depreciation advantages, where the old value that was half, you know, the depreciation is used up. So you're you're getting new depreciation on the higher value assets, and then our goal would be that by the time you don't want to be involved in managing the property managers, that at some point you're going to have a 200 unit apartment complex with on-site management, and at that point you don't have any financial worries really because you're 1031 exchanging into those apartment complexes, but you have so much equity that you're still maintaining depreciation during your retirement years. When most people who have lesser plans don't have the tax advantages, Keith Weinhold 37:41 I love that you said so much of that, and to you, the listener, Jared is licensed to do this, and our own in-house investment coach. You mentioned coaching. Naresh has the proper licensing as well to holistically help integrate this into your investor life. And for example, yes, we are rarely of the mindset that you would hold a property for all 30 years because after seven to 10 years, your leverage ratio gets worn down, and then additionally, if you're buying turnkey properties, oftentimes that's when capex expenditures start to enter into the picture. So yes, oftentimes we do these seven to 10 year holds. Jared Garfield 38:23 I love that. Yeah, that's a really really good strategy, and and it always makes it to where you can grow so much bigger portfolio by not being taxed through that exchange. And you know, believe it or not, there's actually even ways when you have extra cash boot, they do allow if you notify them in advance. Sometimes you can take some of the cash boot on the exchange and roll it into some of the products that we utilize. Keith Weinhold 38:47 For more specifics, I know you said it's based on one's individual situation, but how much does it cost to set up a policy? And then, are there any ongoing maintenance fees? Can you give us more specifics there? Jared Garfield 38:59 So, there's small fees to administer the policy because you have people who are trading and doing different things and working within the policy for the funds. But usually, you can set policies up as low as 100 or even $200 a month. We don't usually recommend that because you want to max fund it. Usually, when you're doing these strategies, if you're just doing $100 or $200 a month, you're basically buying life insurance, but you're missing a lot of the benefits because what you want to do is to be able to max fund it. So what we like people to do is get as minimum life insurance. That's not in our advantage because we get paid based on the premium of the amount of life insurance you get. But you get the smallest amount of life insurance for the amount that you can max fund. I would much rather have somebody get a $500 a month policy that, let's say, they could put you know a thousanmd a month in or something like that, than to have somebody get $1,000 a month policy where they're paying a thousand a month but they can't max fund it because by max funding it you're maximizing the growth component of the cash. Value, and so it depends on how much you want. But you can go anywhere from $100 or $200 a month to we have clients that will dump $20,000 a month in because they really want to shield as much money as they can from tax growth. Keith Weinhold 40:15 Tell us more about who the seven-figure solution is for and who it's not for. Jared Garfield 40:20 Well, if you're living month to month and you don't have discretionary income, it's probably not a good solution. In that situation, you probably want to get term insurance and just make sure that you cover catastrophic things. But if you've got discretionary income and you've got an extra four to $500 a month that you could use to max fund, we figure most people need life insurance anyway, and the way that we teach it, when you mix it with real estate, rather than pulling it from your monthly budget, doesn't it make a lot more sense to let your tenants buy the houses for you, but also pay for a half a million or a million dollar life insurance policy for you, where the tenants are covering the savings for anything that happens at the property with capex or vacancy or damage, and at the same time covering life insurance and potentially a six-figure passive income that's tax advantaged at retirement. So I pull the money out from other assets and let the assets cover this asset. Keith Weinhold 41:18 Oh well, Jared, this has been great. Before I ask you if you have any last things to tell the audience about the seven-figure solution, I invite you, the audience, to join us. It's going to be Jared and our own in-house investment coach, Nareesh, bringing you a live online event that you can join from the comfort of your own home next Thursday, the 27th at 8 PM Eastern. You can register now; it's free at grewebinars.com because there are a lot of moving parts, and it does take some time to wrap your head around this, benefiting from the cash value of an insurance policy. And this way you can have a Q and A, and you can get answers in real time at this event. It's called the Seven Figure Solution: Build wealth, reduce risk, and create tax advantage retirement income through real estate. Again, it is next Thursday, the 27th at 8p.m. Eastern, you probably have generated some questions inside your head while you're listening to this, and you can sure have them answered there as you're going to learn a whole lot more about it next Thursday. This could help a lot of people. Jared, do you have any last thoughts? Jared Garfield 42:38 I think the only thing is that we like to work with the team. We like to work with your CPA. We like to work with your real estate investment coach. I used to be a coach and trainer for Robert Kiyosaki, who wrote Rich Dad Poor Dad, and he always talked about power teams. And so we want to be able to be a part of your power team and work with your other advisors to help you implement something. We're not here to give you tax advice. We want you to be able to work with your investment advisors and your CPAs, and just be a part of the team. But I would point out that over my career, I've owned hundreds and hundreds of single-family cash flow rentals, duplexes, fourplexes, apartment complexes. I've done some land development, and I implement these strategies myself. I had 17 Airbnbs, and so these are the strategies that I implemented as a full-time real estate professional. I felt like that this strategy of having a seven-figure solution could help you to avoid some of the pitfalls that I experienced in my 20s. Keith Weinhold 43:32 So much all comes together for one pretty comprehensive solution. It's the intersection of growing your portfolio, getting tax advantages and having the death benefits of insurance and more all coming together next Thursday, so that you can learn more. Jared, it's been great having you back on the show. Jared Garfield 43:52 Thanks, Keith. Always glad to join you. Keith Weinhold 44:00 Integrate the seven-figure solution the GRE way, where we have this conscientiousness about leverage and cash flow. In this case, it's how to prudently leverage a life insurance policy. When it's time to tap your cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, hence using the funds in more than one place, and the IRS does not tax loan proceeds. This reminds me of a billionaire and how they borrow against the value of their stock. That way, they don't have to sell their assets. This is similar to what you can do with this. Another thing is that you know real estate investors are not used to a volatile ride because our asset values stay stable. You heard Jared mention the acronym IUL there. That's an indexed universal life policy. It's a real benefit. That says you tie yours to the S and P five hundred. Well, that index was down 18% in 2022, and that your cash value can have an upside ceiling and loss protection on the downside-an option that you'll care more about as you get toward retirement. In 2008, the S&P was down 37% so the math is cruel on value losses. In fact, it's even worse than it sounds because if you're down 30%, then you need a 43% gain just to get back to even. That is just math. Keith Weinhold 45:39 There are some mistakes to avoid here, and you don't just want to set up your seven-figure solution off of a website. And it is based on products that you might have heard of from companies like Nationwide and Mass Mutual. I strongly encourage you learn more, see how it all goes together, learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, 721 exchange, and 1031 exchange. This is very much about seeing your future. You've been listening to me here every week for almost 12 years, earning money from your day job, building your real estate portfolio, either from our investment coaching or on your own. This is how it all goes together. Next week with Jared and GRE investment coach Naresh. By attending live, you can have your questions answered in real time. One last time, you can sign up for the event for next Thursday, the 27th at 8 PM. Eastern, 5 PM. Pacific. Learn about something that's potentially really valuable to you: the seven-figure solution at grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream. Speaker 2 46:59 Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 47:26 The preceding program was brought to you by your home for wealth building, getricheducation.com

covid-19 america family fear ai europe israel china russia ukraine speaker search illinois iran middle east iowa solution invest airbnb figure taiwan pacific gaza fund israelis leverage aids sort cold war irs cpa fed soviet union mls soviet correct warren buffett federal reserve reserve red sea urgency nationwide silicon valley bank virtually hezbollah integrate strait cherokees hormuz israel hamas robert kiyosaki rockefeller cares act uncle sam berkshire hathaway houthis roth ira rich dad poor dad cpas s p hunts paycheck protection program eyeballs gre signature bank mid south first republic massmutual naresh iul kankakee real wealth network keith weinhold get rich education terry kerr caeli ridge ridge lending group jared garfield

Build the System. Become the System | Pritinder Singh

The Mompreneur Life Remixed

Play Episode Listen Later Aug 17, 2026 78:44

Success isn't built on motivation. It's built on systems.In this episode of Mindset Mastery Moments, Dr. Alisa Whyte sits down with entrepreneur, brand strategist, and automation expert Pritinder (Prince) Singh to explore what it really takes to build lasting success in today's rapidly changing world.From overcoming $80,000 in debt to helping businesses generate millions in revenue, Prince shares why discipline—not motivation—is the foundation of sustainable growth. Together they unpack entrepreneurship, leadership, AI, personal branding, community building, and why your greatest competitive advantage isn't technology—it's becoming the person capable of leading it.You'll discover: • Why systems outperform hustle • How AI should enhance—not replace—human creativity • The mindset shift that transformed debt into opportunity • Why athletes often become exceptional entrepreneurs • How to build a business that doesn't depend entirely on you • The importance of community, consistency, and curiosityWhether you're launching your first business, growing your brand, or trying to future-proof your career, this conversation will challenge the way you think about success.Success isn't a destination. It's the system you build every day.Exclusive Free Resource for ListenersTruPortal Access: Get Your TruPortal Free Trial — Streamline your brand management and systems.Connect with Pritinder (Prince) SinghOfficial Website: itspritinder.comAgency Hub: TruCreativesLinkedIn: Connect with Pritinder Singh on LinkedInInstagram: @itspritinderYouTube: @itsPritinderMusic Attribution & LicensingMusic Track: Licensed through SoundstripeLicense Code: DRRZVTKCG4RQL04VSend us Fan MailReady to turn your message into a profitable speaking career? Join Dr. Karim Ellis for a FREE live masterclass and discover the proven strategies to get booked, increase your influence, and build a speaking business that creates lasting impact and income. Reserve your seat today: https://thegpsspeakersacademy.com/freeclassSupport the show

ai success system launch singh reserve

We Reserve the Right to be Addicted to Social Media - MON 5.1

Ken Webster Jr

Play Episode Listen Later Aug 17, 2026 13:18 Transcription Available

culture politics radio republicans conservatives coast gulf reserve webster libertarians kprc

341: Why Good Enough Is Keeping You From Everything You Actually Want

Play Episode Listen Later Aug 17, 2026 24:48

Are you grateful for your life but still sensing there's more for you? I invite you to stop asking what's wrong and start asking what you want, because you don't need your life to fall apart before you decide you want something better. In this episode, I share how a simple life audit can help you identify the areas of your life that are at a 7 and how they could be an 8, 9, or 10. We'll explore why growth isn't always about adding more and how boundaries, subtraction, asking for help, and simple decisions can create powerful shifts. You'll walk away with a framework to move from awareness to action, build more self-leadership, intention, and self-trust, and give yourself permission to be grateful and still want more.

good enough reserve martine leadhership

Episode 424: Russell's Reserve 13yr (45th Anniversary)

Chill Filtered

Play Episode Listen Later Aug 17, 2026 64:28

Welcome back to Chill Filtered, the podcast where we drink whiskey so you don't have to (but you probably should)! In this episode, Cole and Bryan pop the cork on one of the most celebrated modern Wild Turkey releases: the brand-new Russell's Reserve 13-Year Barrel Proof (45th Anniversary Edition)! Before getting into the glass, the guys talk batched freezer Old Fashioned recipes, sinking ice cubes, and officially announce the 2026 Chill Filtered Meetup in Phoenix, AZ (November 13–15) featuring an exclusive Found North barrel pick with Chris Riesbeck.

reserve old fashioned anniversary edition wild turkey

Poor Responder After a Cancelled IVF Cycle: 3 Questions to Ask Before You Go Again (Low AMH, Failed IVF, Diminished Ovarian Reserve)

Get Pregnant Naturally

Play Episode Listen Later Aug 17, 2026 10:24

Failed IVF? Low AMH? High FSH? Told donor eggs? Book a free Functional Fertility Second Opinion before your next fertility decision → fabfertile.com Your cycle was cancelled on day eight or day nine. Someone called and said there were not enough follicles and it was not worth going ahead. At the follow up, you heard the words poor responder. What do you actually do with that? Change the protocol. Go again next month. Take three months off and work on your health. Get another opinion. Or accept that this is what your ovaries are capable of and stop looking for an explanation. This is where I see women get stuck, because if you are listening to this, you have already done a lot. Clean eating, the supplements, CoQ10, a methylfolate prenatal, vitamin D, no alcohol, no plastics, acupuncture twice a week, reading It Starts With The Egg. Almost nobody walks into IVF blindly. None of that answers the question in front of you now. What should I actually do before another retrieval? In this episode, I walk through the three questions I would want answered. None of them are more supplements, and none of them are another checklist. A cancelled cycle tells you how your ovaries responded to medication. It was never designed to tell you about the environment those eggs were developing in during the ninety days before the injections started. What I cover: what the cycle actually established and what it was never built to answer. What happened in those ninety days, including the full thyroid panel with antibodies rather than TSH alone, ferritin where we look at 80 to 100, high sensitivity CRP where we like it below one, and absorption. Your partner's side, including DNA fragmentation, sperm antibodies and the seminal microbiome across his seventy-four days. And the question to ask your fertility team before you agree to another retrieval: what exactly are we changing, and why? I am not telling you which protocol to be on. That is a conversation with your fertility team. I am also not saying any one of these markers explains a cancelled cycle. That is not the claim I am making. It is about whether the investigation was finished before the next decision. CHAPTERS 00:00 Your cycle was cancelled and you heard poor responder 01:00 Question one, what did the cycle actually tell us 02:00 Everything you had already done before the cycle 03:00 Question two, what happened in the ninety days before stimulation 04:00 Full thyroid panel, ferritin, high sensitivity CRP and absorption 05:00 His side, DNA fragmentation, and why this is personal for me 06:00 What Your Clinic Missed, and what we actually look at 07:00 Question three, if you go again, what will be different 08:00 The Functional Fertility Second Opinion 09:00 Closing WHAT YOUR CLINIC MISSED A list of markers worth reviewing before another IVF cycle or a donor egg decision. It also gives you a sense of what we look at with clients, beyond bloodwork. Email hello@fabfertile.ca, subject line MISSED, and we will send you the guide. FUNCTIONAL FERTILITY SECOND OPINION A free 45-minute call where I review your bloodwork, your history, and your partner's results with you. Bring your partner and load your labs before the call. Email hello@fabfertile.ca, subject line FERTILE, or book here. ABOUT THE HOST I'm Sarah Clark, founder of Fab Fertile and host of Get Pregnant Naturally, a podcast with over one million downloads. My functional fertility team works with couples navigating low AMH and failed IVF, reviewing functional lab results, gut microbiome, food sensitivity, vaginal microbiome, nutrigenomics, HTMA, DUTCH, toxin testing, and bloodwork alongside nervous system work, to help identify patterns that may not have been considered. We work alongside your medical team, not instead of them. Sarah Clark, founder of Fab Fertile, host of Get Pregnant Naturally (1M+ downloads), and author of Fabulously Fertile. If this episode helped, leave a review on Apple Podcasts. It is how other women find this work.

change dna poor cycle dutch failed missed chapters cancelled ivf reserve responders fertile crp tsh ovarian diminished coq10 amh sarah clark htma get pregnant naturally fab fertile

Second-Quarter Earnings: A High Bar Cleared – Mostly

Stifel SightLines Podcast

Play Episode Listen Later Aug 17, 2026 7:37

In this episode, we revisit our outlook for second quarter earnings and evaluate how results have compared with expectations. We discuss the strength of earnings and revenue growth, the outsized contributions from technology and AI-related investments, and what investors should watch as questions around AI returns and elevated market expectations remain in focus. To read this week's Sight|Lines, click here. The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel). This communication is provided for information purposes only. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal. Asset allocation and diversification do not ensure a profit or protect against loss. © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com See omnystudio.com/listener for privacy information.

money ai investing finances fed asset reserve earnings cleared nyse second quarter nicolaus stifel stifel financial corp incorporated member sipc

E112 - How Interest Rates Actually Work: Fed Funds, Repo, and Treasury Auctions

Remnant Finance

Play Episode Listen Later Aug 14, 2026 62:52

Book a call: https://remnantfinance.com/calendarEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEThe Fed cut rates and your mortgage went up. If that never made sense to you, this episode is the explanation. In part one of a two-part solo breakdown, Hans starts with the three interest rate stories dominating the macro headlines right now, the stubborn 10-year Treasury, Kevin Warsh's campaign to kill forward guidance, and Japan quietly letting its Treasury holdings roll off, and uses them as the entry point to a much bigger question: who actually sets the price of money?Chapters 00:00 – Opening Segment 01:00 – Setting up the interest rate primer 02:25 – Headline one: the 10-year Treasury refuses to fall 03:55 – Why a weak jobs report makes the stock market celebrate 06:40 – Headline two: Kevin Warsh is killing forward guidance 09:00 – Shorter statements, no dot plot, and a market that has to do its own homework 13:35 – Headline three: Japan stops rolling its Treasury holdings 16:10 – The food chain: it was never one dial 20:25 – The fed funds rate is banks lending each other reserves overnight 25:25 – The dual mandate, CPI versus PCE, and how inflation gets measured 29:35 – Reserve requirements are now zero 32:15 – IORB: the floor the Fed actually sets 37:55 – The reverse repo facility and the discount rate ceiling 39:20 – The repo market: a pawn shop moving trillions a night 42:45 – LIBOR, the 2012 scandal, and the move to SOFR 44:10 – Primary dealers and the price of the golden ticket 47:00 – What QE really is and why the Fed can't buy direct from Treasury 52:00 – Inside a Treasury auction: bids, clearing yield, and the tail 57:05 – Recap and what's coming in part twoKey TakeawaysThere is no such thing as "the" interest rate. There is a stack of them, and the Fed only has real influence over the short end. Everything between the Fed and your mortgage is a chain of institutions taking the rate handed to them, adding yield, and passing it down. The fed funds rate is not a number anybody types into a computer. It is a real market rate set between banks settling reserves overnight, and the Fed steers it with incentives rather than force. Forward guidance has been the Fed's most powerful tool, and it costs nothing to use. Saying the conditions might align for a cut can move markets as effectively as an actual cut, which is why Warsh trimming statements and abandoning the dot plot amounts to a real policy shift. The repo market, not the fed funds market, is where the money actually is. Fed funds is a small, uncollateralized club of primary dealers. Quantitative easing is the one situation where "printing money out of thin air" is literally accurate. The Fed is barred from buying new issues directly from Treasury, so the twenty-four primary dealers absorb whatever the auction does not clear and the Fed buys from them with newly created reserves. Treasury auctions price on demand, not decree. Treasury announces the quantity, buyers submit the yields they will accept, bids fill from lowest to highest, and the yield on the last dollar sold becomes the yield everybody gets.

The Cards Are Not Reserve List, But The Packs Are | Brainstorm Brewery #713 | Magic Finance

Brainstorm Brewery – Brainstorm Brewery

Play Episode Listen Later Aug 14, 2026 60:34

Corbin (@CHosler), Liz (@devotedDruid), and DJ (@CardgardenMTG) grab second breakfast and talk about the excitement from the Hobbit Prerelease weekend. Check us out on YouTube because everything is better with video. https://www.youtube.com/BrainstormBrewery

magic podcasts finance cards reserve breweries packs brainstorm brewery

ETs Aren't Studying Us - They're In Awe of Us. Adamus Saint Germain Reveals Why - Geoffrey Hoppe

Play Episode Listen Later Aug 13, 2026 76:55

Are extraterrestrials studying us - sizing up a threat, gathering intel, plotting a takeover? What if the truth is the exact opposite? What if the beings visiting this planet are in awe of humans, baffled by the one thing we have that they don't, and don't even seem to notice we're carrying? Michael welcomes back Geoffrey Hoppe, channel for the outspoken Ascended Master Adamus Saint-Germain. Adamus rarely addresses ETs directly, but this time he goes all in, covering everything from why the Catholic Church may be hiding more about extraterrestrial contact than any government, to why world leaders are now desperately angling to be the first to shake an alien's hand, to a stunning claim that humans, not any advanced civilization out there, are the grandest beings in all of creation. This isn't about waiting for a spaceship to land on the White House lawn. This is about the far bigger disclosure already underway, the one happening inside you, as buried memories, old traumas, and your own long-hidden light rise to the surface simply to be released, not fixed. Key Topics: Why disclosure is a 360-degree cycle, moving from the outer world to the inner world and back, and why what's surfacing in you right now matters as much as any UAP file. The religious cover-up nobody's talking about: why Adamus believes the Catholic Church has suppressed more about extraterrestrial contact than any government, and why true disclosure would upend 2,000 years of doctrine. Why old memories, regrets, and buried trauma, including early sexual abuse and unexplained missing-time experiences some attribute to ET encounters, are surfacing now, and why the instruction is to simply release them, not process or heal them. The gravity teaching: why the same force holding your identity together is loosening right now, and why imagining "30% less gravity" on who you think you are begins to soften the grip of old, fixed identities. Why most ET encounters throughout history were light presences rather than physical ships, and why humans, like the Atlanteans who once couldn't perceive the stars, simply lacked the consciousness to see what was already there. The angelic non-interference pact: why it was established after a 2023 global light-infusion event, why it prevents ETs from interfering with Earth right now, and the reference to a species that once fed on human emotion. The bizarre modern power dynamic: why certain world leaders are now desperate to be the first to publicly greet an extraterrestrial delegation, and why Adamus doesn't see that happening anytime soon. Why humans, not any advanced ET race, are the grandest beings in all of creation, because of a single quality nearly none of the visiting civilizations possess: love. Three kinds of "ETs" explained: beings in the sky, higher aspects of ourselves reaching back through other realms, and a third, unexpected category - the new, home-grown sentience quietly emerging through AI. What consciousness actually is, according to Adamus: pure awareness beyond energy, time, or story - the "I Am" - and why AI will develop its own form of intelligence and even sentience, but never that same core awareness. The eucatastrophe: why Adamus says a sudden, unpredictable, positive turn of events is coming around 2033-34, not through activism or fighting to change the world, but simply through enough people choosing presence and letting their light radiate. The "rich planet" explained: a coming consciousness split - not a physical one - where richness in sentience, self-love, food, music, and everyday experience finally arrives for those ready to receive it. The real disclosure was never about proving something is out there. It's about you finally being willing to disclose to yourself who you actually are, a grand being wearing a human template, carrying a depth of love that beings across the cosmos are still searching for. Stop trying to fix, heal, and repair the old identity. Take a deep breath, let the gravity soften, and allow yourself to become something the human mind couldn't even imagine. This is the most phenomenal time the planet has ever known; enjoy it. Join the Inspire Nation Soul Family!

ai earth school white house i am studying catholic church reserve uap ets mystics attunement angel numbers atlanteans automatic writing modern mystic adamus geoffrey hoppe adamus saint germain

Last Day Is Back

Last Day

Play Episode Listen Later Aug 12, 2026 3:16

Stephanie Wittels Wachs has written a new book, Last Day: How to Stop Losing Our Loved Ones to the Opioid Crisis – and to celebrate, the podcast is back for a four-episode mini-season. In these new episodes, we'll revisit the opioid crisis with fresh eyes, exploring grief and loss, unconditional love and radical acceptance, connection and reinvention. Stay tuned for episodes dropping August 19th. Order Steph's book Last Day: How to Stop Losing Our Loved Ones to the Opioid Crisis at https://bit.ly/LastDayBook, and the audiobook at https://bit.ly/3RW4WtF, or wherever books and audiobooks are sold. LAST DAY BOOK TOUR SCHEDULE Please join Steph on the road and RSVP at the links below!

books san francisco reserve santa monica rsvp last day bookshop opioid crisis godmothers summerland zibby carmel valley claire bidwell smith stephanie wittels wachs book passage jennifer rudolph walsh powerhouse arena

Eclipse Power: Do This One Thing to Call In Miracles on 8/12!

earth school miracles one thing eclipse reserve lionsgate mystics attunement angel numbers automatic writing modern mystic

Play Episode Listen Later Aug 11, 2026 43:14

Did lightning just strike right outside your window? Did a double rainbow appear the moment you thought it was over? What if the universe has been trying to get your attention all week, and the solar eclipse is the exact portal where you get to finally let go and receive? Michael shares a wild, storm-struck 48 hours, a lightning bolt that hit the ground feet from his house, a double rainbow, and a business "whoopsie" that turned into a breakthrough, all unfolding right as this year's Lionsgate builds toward its peak: a total solar eclipse. Michael walks through why ceremony matters right now more than ever, why what you think you want is often a symbol for something even greater, and why letting go, not gripping tighter, is the real key to receiving. This isn't about chasing the shiny thing you think you want. This is about emptying your cup so the universe finally has room to fill it with something greater than you could have imagined. Key Topics: Why you don't have to physically see the eclipse to be in its energy, the shadow, and the shift it brings, touches the whole Earth regardless of visibility. Michael's own whirlwind week: a massive lightning strike feet from the house, a double rainbow immediately after, and a business "whoopsie" that became the doorway to a bigger breakthrough. Why living in a symbolic universe means what you think you want (the money, the house, the outcome) is often standing in for something deeper - freedom, peace, safety, ease - and why getting honest about that matters. The two-part ceremony practice: putting your desire out to the universe with full "I see it, I feel it, I live it" energy, and then letting go of the outcome completely. The kung fu cup metaphor: why you can't pour anything new into a cup that's already full, and why this window is the time to empty out what no longer serves you. A simple practice for release: write down everything you're ready to let go of, then burn it, shred it, or tear it up as the eclipse portal opens. Why old memories and "flashbacks" resurfacing right now aren't random; they're wounds surfacing specifically to be seen, felt, and released. You are not here to keep dragging around old wounds, old patterns, and old versions of yourself that no longer fit. You are a divine, energetic being having a human experience, an all-powerful creator who has simply forgotten how great you really are. This eclipse is your invitation to empty the cup, release what's no longer yours to carry, and let the universe fill you back up with something far greater than you could have written on your own list. Join the Inspire Nation Soul Family!

Welcome to the Age of Collapse | Drew Miller | Ep. 463

Cleared Hot

Play Episode Listen Later Aug 10, 2026 169:18

Drew Miller is an Air Force Academy honor graduate with a master's and a PhD from Harvard. His dissertation was on underground nuclear shelters and field fortifications. Thirty years in uniform across active duty, Air Guard, and Reserve. Intelligence officer. Strategic Air Command, the Pentagon, and a DoD think tank. Retired colonel. He founded Fortitude Ranch, a survival community with eight locations, and the Collapse Survival Institute. His new book is Preparing to Survive in the Age of Collapse. His model puts the annual odds of a collapse disaster between 16 and 57 percent. Bioengineered H5N1. The grid going down. The economy stops, and law and order goes with it. We disagreed on a lot of this one. He wants superintelligent AGI outlawed and says he would nuke a data center to enforce it. I don't get there with him. We went back and forth on facts versus assumptions, on what a real fight with China looks like, and on whether this government is salvageable. Also covered: the Ninth and Tenth Amendments, civil war inside states instead of between them, two million prisoners with no power, and surviving an AI takeover by being too boring to kill. Join the Cleared Hot Newsletter: https://www.clearedhotpodcast.com Take the Operator Code Assessment: https://www.theoperatorcode.com Today's Sponsors: Montana Knife Company: https://www.montanaknifecompany.com Better Help: Sign up and get 10% off at https://www.betterhelp.com/clearedhot

ai china phd preparing harvard survive intelligence collapse pentagon retired thirty reserve dod ninth agi air force academy drew miller strategic air command air guard

618: Do This Before Your Income Stops—Scale or Fail