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You've joined the gym, cleaned out your pantry, downloaded a bunch of healthy recipes… but somehow, you always end up back where you started. Sound familiar?In this episode of Happy and Healthy with Amy Lang, we're digging into why traditional habit change strategies don't work, the three most common mindset mistakes that sabotage even the best intentions — especially when it comes to brain health, weight loss, and stress management — and how to shift them so you can finally follow through with ease and integrity.What to Listen For[00:40] Why going “all in” often backfires—and what to do instead[01:58] How survival, safety, and reward drive your habits[04:15] The real habit loop: trigger → routine → reward[06:22] The sneaky reason your thoughts derail your consistency[07:30] Thought habits vs. action habits: which one matters more?[08:40] Mistake #1: All-or-nothing thinking[11:05] Mistake #2: Using shoulds and shame as motivation[14:00] Mistake #3: Trying to overhaul your lifestyle[16:15] The 2-minute habit that builds integrity and follow-throughYour thoughts are powerful. They shape your actions, your results, and your identity. If your health goals keep slipping through your fingers, it's time to look beyond what you're doing—and start shifting how you're thinking. This episode is your guide to rethinking habit change, so you can show up with consistency, self-trust, and clarity.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Growers are turning to AI for vineyard advice — but what happens when the algorithms get it wrong? In this episode, Fritz sits down with Texas A&M Extension Viticulture Specialist Dr. Justin Scheiner to put artificial intelligence to the test and reveal where it helps…and where it falls flat. Fritz and Justin walk through real vineyard questions — on pruning cuts, choosing between cane and spur pruning, designing an effective spray program, and diagnosing puzzling leaf symptoms — then grade the answers provided by AI tools like ChatGPT and Copilot. Justin explains why, despite its convenience, AI can't replace Extension or experienced viticulture support. He breaks down how human experts interpret nuance, adapt recommendations to site-specific realities, and help growers navigate complex issues like fungicide resistance and disease pressure — areas where AI often oversimplifies to a fault. Listeners will come away with a grounded perspective on how to responsibly use AI in vineyard decision-making: as a tool for learning, not a blueprint for management. Justin also shares updates on forward-facing research at Texas A&M, including irrigation strategies powered by sensors and machine learning, and new work aimed at improving winery efficiency. In this episode, you will hear: AI can provide helpful general information — but often misses context critical for vineyard decisions. Pruning advice from AI may be incomplete or incorrect; human expertise is still essential. Spray program recommendations from AI can be risky without resistance management and site-specific strategy. Leaf symptom diagnosis requires more than a photo — pattern, vine history, and testing matter. Follow and Review: If you enjoyed this episode, be sure to follow the podcast and leave a 5-star review on Apple Podcasts! Your support helps us reach more listeners.

It starts with forgetting a name or a date. But Alzheimer's is so much more than memory loss.In this powerful episode, I share the five A's of Alzheimer's progression—what they are, how they affect your loved ones, and what you can do right now to protect your brain. If you have a family history of Alzheimer's, if you've been avoiding learning about Alzheimer's because it feels too scary, if you think hoping you don't get it is your only option—this episode will change your mind.I'm getting real about what actually happens in the brain as this disease progresses, and why understanding the 5 A's can empower you to take action and protect your future.What to Listen For(00:01) A vivid, gut-wrenching description of what late-stage Alzheimer's really feels like(05:45) Amy's personal journey with her mom's Alzheimer's diagnosis—and how it changed everything(10:10) The 5 A's of Alzheimer's explained: Amnesia, Anomia, Agnosia, Aphasia, Apraxia(14:15) Why short-term memory loss isn't the only symptom to watch for(17:00) The heartbreaking signs of agnosia: when your loved one forgets your face(21:30) Why someone with Alzheimer's might put keys in the freezer—and what it really means(24:45) How incontinence and mobility loss often signal the tipping point for caregiving(28:40) The stages of Alzheimer's progression—how the disease takes over the brain(32:50) Why women are at greater risk—and how menopause plays a major role(35:00) What you can do now to reduce your riskAlzheimer's isn't just about memory and finding your keys in the freezer. It's about losing your independence, your identity, and ultimately your dignity and your life. In this episode, we dive deep into what's really happening in the brain, so you can take control of your cognitive future. RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Feeling grateful isn't just a positive emotion—it's one of the most powerful tools you have to build cognitive reserve and protect your brain from Alzheimer's.In this episode, we're breaking down the science-backed benefits of gratitude for your body and brain—and revealing why traditional practices fall short, and what to do instead to rewire your brain so you can reduce stress, improve your memory, and protect your brain against cognitive decline.Plus we're sharing 4 journaling prompts that can make your gratitude practice truly transformative.

Fritz welcomes longtime colleague and respected viticulture authority Larry Bettiga in this episode for an in-depth look at the evolution of Monterey County's wine industry. With more than four decades of experience, Larry offers a rare, firsthand perspective on how the region transformed from scattered early vineyards into one of the country's most significant cool-climate grape-growing areas. Larry explains how Monterey's dramatic coastal influence, daily wind patterns, and diverse soils shaped both the opportunities and challenges for growers. He and Fritz unpack the early years of vineyard expansion, including the misalignment of some varieties with climate conditions and how improved temperature modeling and clone selection later steered the region toward better outcomes. The conversation also explores Larry's extensive research on rootstocks, irrigation, canopy management, and disease control. His comparison of dormant vines, green potted vines, and tall-format grafted vines provides growers with valuable, practical guidance on establishing healthy, high-performing vineyards. This episode delivers a blend of regional history, applied science, and grounded, grower-focused lessons, capped with Larry's reflections on the future of extension work and its continued importance in California viticulture. In this episode, you will hear: How Monterey County became a major coastal winegrowing region Why early plantings struggled, and how growers adapted with better temperature and clone data A practical comparison of dormant, green, and tall-format grafted vines Lessons from decades of research on rootstocks, canopy management, and disease control The future outlook for UC Cooperative Extension in California viticulture Follow and Review: If you enjoyed this episode, be sure to follow the podcast and leave a 5-star review on Apple Podcasts! Your support helps us reach more listeners.

Have you heard that your brain “eats itself” during menopause if you don't take hormones? That viral soundbite has a lot of women scared—and confused.

Do you ever feel like the pressure of the holidays only makes your heart ache more? Thanksgiving can bring out feelings of stress, grief, and loneliness, especially when life isn't going the way we expected. But what if you could still feel thankful even in the toughest moments?In this episode, Bonnie explores how to cultivate gratitude when your heart is hurting and provides 3 powerful mindset shifts to help you find peace amidst life's hardest moments. Take a moment to breathe in encouraging truth and practice a soul-care tip to help you connect with God's peace this Thanksgiving. Whether you're celebrating joy or navigating challenges, Bonnie guides you toward healing through gratitude. Tune into this episode to learn how to express your emotions honestly, embrace the power of storytelling, and how to use a simple prayer practice on God's faithfulness to experience true thanksgiving.Key Takeaways:- Use 3 mindset shifts to boost your emotional health and spiritual wellness- Science of Expressing True Emotions: Helps release stress and nurtures gratitude.- Science of Storytelling: Lifts your spirits and strengthens your emotional bonds.- Soul Care of Psalm 105: Reflecting on God's faithfulness through Scripture like Psalm 105 helps you cultivate lasting peace and thanksgiving. Breath Prayer:  (inhale) The nearness of God is my good (exhale) The Lord is my refuge Scriptures:  But as for me, the nearness of my God is my good. I have made the Lord God my refuge. Ps. 32:7Soul Care Tips: 3 tips to heal your hurting heart during ThanksgivingLINKS & RESOURCES-  Register now "Journaling with Jesus" Soul Care Course: https://thebonniegray.com/soulcareschool/-  Take my FREE Soul Care Quiz at soulcarequiz.com – your wellness assessment!-  Get Bonnie's Bestselling book "Breathe: 21 Days to Stress Less" https://amzn.to/4azae1K-  Subscribe to FREE Breathe Newsletter for Fall Quarter Soul Care! https://thebonniegray.com/subscribe/-  Follow Bonnie at www.instagram.com/thebonniegray & www.facebook.com/thebonniegray Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

What if 60 wasn't the beginning of the end—but the start of something better? Join me and Allison McCune Davis, author of 60 Is A Good Start, as we unpack the emotional, physical, and mindset transformations that come with aging and how to thrive well into your 60s and beyond.What to Listen For:Why Allison wrote 60 Is a Good Start and how turning 60 catalyzed a decade of reinvention (00:28)What a “restlessness” signal might mean in midlife—and how to honor it (03:51)The pivotal role purpose plays in longevity and vitality (02:29)Allison's late-in-life motherhood journey and how it shaped her approach to health (04:52)The impact of gut health, hormone testing, and functional approaches in her 40s (06:36)Why allopathic medicine alone isn't enough for true wellness (11:07)How our belief systems—about aging, genes, and health—shape our reality (13:32)Debunking the idea that “genes are destiny” and how lifestyle pulls the trigger (17:45)The power of the “60 Dream Questions” journaling practice for rediscovery (20:58)Why mindset is the most overlooked tool in the fight against cognitive decline (18:04)Allison's story reminds us that the most vibrant years of our lives might just be ahead. Whether you're navigating menopause, caring for aging parents, or reimagining your next decade, this episode offers inspiration, perspective shifts, and actionable steps. Be sure to listen to the full conversation, subscribe to the podcast, and check out Allison's book and dream questions for your own rediscovery journey.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   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  1:29   Welcome to GRE from flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  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. You   Keith Weinhold  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

If visibility makes you feel like you're putting yourself on display—or worse, building your own empire—you're not alone. But what if showing up boldly was actually part of your obedience? In this episode, Jan unpacks how visibility, when anchored in purpose and faith, becomes a tool for Kingdom impact and sustainable business growth.Learn how to build a personal brand that reflects your calling, resonates with your audience, and brings clarity to your mission—all without compromising your values. Because visibility isn't vanity when it's aligned with what God has called you to build.Whether you've been hiding behind your business name, struggling to find your voice online, or wondering if your brand really reflects your faith, this one's for you.IN THIS EPISODE:What “faith-rooted branding” actually means (hint: it's not just slapping a verse on your homepage)How visibility and obedience go hand-in-hand for the faith-driven entrepreneurThe most common branding mistakes Christian small business owners makeHow to audit your current brand for alignment, clarity, and growthPractical business growth tips that start with brand integrity—not noiseWhy your brand might be the key to unlocking deeper faith and business growthSCRIPTURE HIGHLIGHTS:Galatians 1:10 – Whose approval are you building for?2 Timothy 1:7 – God's spirit brings power, not timidity.Proverbs 31:25 – Strength, dignity, and faithful instruction.LINKS & RESOURCES:Register for Vision Day Download the Free Brand Clarity Guide Schedule a Free 20-Minute Brand Audit Call Follow Jan on Instagram: @jantouchberryBOTTOM LINE:Your personal brand already speaks. The question is—what is it saying?If you're ready to stop hiding and start building with holy confidence, this episode will give you the clarity and conviction to be faithfully visible.CONNECT WITH JAN:Here are all the best places and FREE stuff

Watching a parent fade away due to Alzheimer's is heartbreaking, confusing, and deeply exhausting.In this episode, grief and trauma specialist Jill McMahon joins me to talk about the emotional and neurological cost of caregiving and how to cope with the loss of a loved one — even while they're still alive. You'll learn powerful strategies to process your emotions, reduce stress, protect your brain health, and reclaim a bit of peace.

One of the hardest parts of scaling a 7 or 8-figure business, is being able to balance rewarding your team with protecting your company's profitability. In this episode, Kelly discusses how to design compensation and incentive plans that motivate and inspire your team to perform at their best, create simultaneous promotion of interests (good for the team, the client, and the company), and keep your business financially healthy and sustainable If you've ever wrestled with questions like: “how do I pay competitively without overextending the business?” or “should I give raises or one-time bonuses?” this episode is a must-listen. You'll learn: The #1 mistake business owners make when designing incentive plans, and what every compensation plan should start with instead How to structure incentives so your team can earn 6 or multiple 6 figures  while the business remains profitable The 4X Method: how to ensure every hire brings in 4x what they cost Timestamps:  01:16–03:10 – Why every compensation plan should be designed one year at a time. 03:11–05:20 – The “simultaneous promotion of interests” principle: good for the team, clients, and company. 05:21–07:00 – The biggest mistake leaders make: constant salary increases instead of incentive pay. 07:01–09:00 – Why one-time bonuses protect your profit and performance. 09:01–10:30 – Start with your profit plan: reverse-engineer roles that bring in 4x what they cost. 10:31–12:15 – How to cap salaries like a sports team to sustain profitability. 12:16–13:45 – Transitioning old incentive models to fit new business offers or pricing structures. 13:46–14:45 – The power of creating multiple income streams for your team tied to performance. 14:46–15:15 – Invitation: Join the October 30th 4X Method training + March Legacy Leaders Immersive. Resources:  Register for the 8-Figure Roadmap Info Session on Thursday, Oct 30 at 1pm EST: https://events.thebusinessadvisory.com/opt-in-page-7731-7080-2242  Learn more about our Legacy Leaders In-Person Immersive March 10th & 11th, 2026: https://advancesociety.org/2026rsvp  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/    Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/w     Connect with Kelly on LinkedIn: https://www.linkedin.com/in/kellyroachin 

Does aging mean inevitable cognitive decline? In this episode, Amy unpacks two of the largest lifestyle intervention studies on brain health and breaks down what really works when it comes to preventing dementia, interventions that can even improve cognition, even in high risk individual — and she'll share how to apply them to your life today.

If you've ever thought, “What's wrong with me?” while juggling a million thoughts, forgetting simple tasks, or burning out from doing all the things — you are not alone.In today's episode, with ADHD expert, podcast host, and author Tracy Otsuka, we explore how ADHD shows up so differently in women, how hormones like estrogen affect focus and dopamine — and why understanding your neurodivergent brain could be the breakthrough you didn't know you needed.

Everyone wants the 7-figure business… until they realize what comes with it.In this episode, I'm breaking down what it really takes to build a multi-seven-figure online business — and the trade-offs no one warns you about. I'll share the 10 things I'd focus on if I were starting over, including how to create a flagship product that actually sells, the “3 Ps” I swear by for sustainable growth, and why making more money doesn't automatically mean you're taking more home.If you've ever wondered what it actually looks like to grow a business beyond six figures (without losing your sanity or your joy), this episode is your behind-the-scenes reality check — and roadmap.In this episode, you'll hear…Why only 1% of one-person businesses ever hit $1M/yearThe 10 things I'd do to build a seven-figure business from scratchThe difference between profitable growth and burnout growthWhy your flagship product is the foundation for everythingThe real emotional and personal trade-offs of scaling bigHow to know if a seven-figure business is actually what you wantClick here to find the full show notes and transcript for this episode.RESOURCES:Register for the LIVE legal workshop " Five Steps to Legally Protect and Grow Your Online Business Before 2025 Ends"Get Sam's book "When I Start My Business, I'll Be Happy: A Practical No-BS Guide to Successful Entrepreneurship"Get Sam's free weekly newsletter, Sam's SidebarEpisode 243: Why Your Content is Driving Customers AwayEpisode 256: How To Protect Your Privacy While Growing Your BusinessEpisode 259: Passion Doesn't Equal Profit (Why Your Idea Might Fail)CONNECT:Sam on InstagramSam on FacebookOn Your Terms® on InstagramSam on YouTubeDISCLAIMERMentioned in this episode:Register for the LIVE legal workshop" Five Steps to Legally Protect and Grow Your Online Business Before 2025 Ends" https://www.samvanderwielen.com/live-legal-workshop

If burnout has become your baseline, this conversation is your invitation to something better. Dr. Zerri Gross shares her journey from military discipline to feminine flow. In this powerful episode, I sit down with Dr. Zerri Gross, Army veteran, therapist, and trauma-informed yoga instructor, to explore how reconnecting with your feminine energy can lead to more freedom, fulfillment, and better brain health during perimenopause and beyond.

The topic of suicide is all too often a discussion avoided due to its tragic and uncomfortable nature. However, the reality is that there are 6,000 deaths by suicide in the UK each year, with in excess of 727,000 deaths annually worldwide. In recent years there has been more awareness about the topic, with a range of resources targeted to help with the prevention and support of those affected. For businesses seeking further guidance, a new Standard is on the horizon. In this episode, Ian Battersby is joined by Marcus Long, Chief Executive at IIOA, who shares his inspirational story of working through an unthinkable tragedy and creating a silver lining that aims to tackle the intervention, prevention and support for people affected by suicide. You'll learn · Who are IIOA? · Who is Marcus Long? · What was the catalyst behind BS 30480? · Who is involved with the development of BS 30480? · What does this Standard hope to achieve? · How does this Standard compare to other ISO Standards? · How will this Standard develop within the next year? · The cost of suicide · What are the benefits of BS 30480? · How can you get involved? Resources · Register your interest in BS 30480 · Contact Marcus Long · IIOA In this episode, we talk about: [00:25] Episode Summary – We invite guest Marcus Long, Chief Executive at IIOA, onto the show to talk about his involvement with the development of BS 30480, a Standard dedicated to the intervention, prevention and support for people affected by suicide. [01:30] Who are IIOA? The IIOA are the Independent International Organisation for Assurance, which is a trade association for global assurance bodies. Their members carry out certification to a wide range of ISO Standards, related Standard schemes, product certification and the provision of validation and verification training. [02:30] Who is Marcus Long? Before becoming the Chief Executive at IIOA, Marcus worked for the national Standards body side of BSI. There he was involved with ISO Standard development and later moved into certification. He's had 20 years' experience within the field of ISO Standards, and spent most of that time pushing the benefits and value of quality infrastructure. One thing many may not know about Marcus is that he spent 48 hours underwater! While not in one stint, Marcus is an avid scuba diver, and has been taking trips under the waves since 1990, with his cumulative underwater adventures reaching 48 hours total to date. [05:30] What was the catalyst behind BS 30480? Marcus experienced an unthinkable tragedy in October of 202, when his son Adam took his life at the age of 21. In the following three years, Marcus sought to find some sort of silver lining to give him some peace. After a while, he turned to look at the industry he worked within, Standards, which is focused on solving problems and finding solutions. Ultimately, it's aim is to make the world a better place, whether that's through sustainability, quality or Health & Safety. So why couldn't that principle be applied to something as difficult and heartbreaking as suicide. With that idea in mind, Marcus got talking to some national standards bodies in different countries around the globe, in addition to ISO, to see if the idea could spark some interest. These discussions reached BSI, who were currently also working on creating a Standards on the topic of menstrual health and menopause in the workplace. Marcus appreciated that they were willing to touch on topics that many shied away from. [08:50] The conception of BS 30480 – The first steps taken included hosting workshops at the Houses of Parliament in February of 2024. There Marcus brought together a wide range of people with different experiences, and asked them if they thought this Standard was a good idea and gather what how they would like to see something like this work in practice. With that encouragement and feedback, Marcus set to work on setting a scope and deciding who should be involved in the development process. [11:05] Who is involved with the development of BS 30480? As with many ISO's, the development team are made up of a wide range of people, including people from academia and business owners. Marcus ensured that healthcare specialists and those who've assisted in suicide prevention schemes were also included. All of these individuals had the same passion to help reduce the rate of suicide within the UK. [13:10] What does this Standard hope to achieve? The sad reality is that in many instances, it's a reactive response to suicide. What Marcus hope BS 30480 can achieve is to encourage the creation of suicide prevention strategies. This turns that reactive response into a proactive one in terms of preventing the worst from happening. As quoted from the Standard: " The aim is to make workplaces more suicide safe, more conducive to suicide prevention, more supportive of those who have been exposed to suicide and more knowledgeable and confident in talking about suicide and taking actions that prevent suicide." [15:30] How does this Standard compare to other ISO Standards? This Standard differs from ISO Standards such as ISO 9001 and ISO 45001 in the fact that it's a guidance Standard, so not one that can be certified to. It provides guidelines and guidance that businesses use, and select the parts that are most relevant to them. The Standard also includes a number of Appendix's that provide more practical guidance to help give businesses a clearer idea on how certain elements can be implemented, for example, the creation and deployment of a suicide prevention plan. So rather than a rigid set of requirements, think of it as a collection of practical ideas and solutions that can aid in the prevention of suicide. [18:20] How will this Standard develop within the next year? BS 30480 is expected to be published in November 2025, as they've just finished the consultation period in August 2025, which was met with a very positive response. Marcus would love to see this Standard move into the international stage by becoming an ISO, but for now it's being published as a British Standard. There are plans to create training and host webinars to spread awareness about the Standard, so keep an eye out on BSI's socials for more about that! The standard is set to enter a phased communication strategy: Phase 1: The launch of the Standard, which has already had some preparation as various other Standard bodies and those involved have been spreading awareness throughout the drafting process. Phase 2: Public awareness – Marcus and those involved in the creation of BS 30480 will be ramping up public dialogue on what the Standard is about and what it can achieve for people. Phase 3: Engagement – Actively getting business to engage with dialogue around suicide prevention, as this is a topic that some businesses are scared to even tough. But if we're to tackle it, it needs to be discussed. There is scope for this Standard to fit in with the likes of ISO 45001 (Occupational H&S) and ISO 45003 (Mental Health in the workplace). Marcus also discusses the opportunities for this to help less traditional workplaces such as educational institutions, sports clubs, charities & youth clubs. [23:30] The cost of suicide: As much as it seems inappropriate to put a price on suicide, there is more to it that the emotional and societal devastation. A report by The Samaritans suggested that each death by suicide resulted in a cost of £500,000. This is due to related costs for emergency healthcare systems and loss of productivity. Marcus emphasizes that if we are to get more businesses, Government and local Governments on board, all impacts of suicide need to be discussed in addition to the benefits of suicide prevention. While odd to approach it from a cost perspective, it's more often than not the language that businesses speak. They need to be informed of the investment required in people, time and cost just as much as they need to be aware of the many benefits of effective and proactive suicide prevention. [26:40] What are the benefits of BS 30480? The ultimate aim is to make workplaces a safer and better place. This Standard can also provide a means of effectively measuring social value, which is often times a rather nebulous metric to grasp. This Standard is here to save lives, and its practical guidance can help businesses create a clear path of actions to help those who may suspect that a colleague is in need of help. [28:25] How can you get involved? Marcus' biggest ambition is for BS 30480 to assist with saving lives, but if it's to achieve it's main aim, it needs advocates. Whether from trade associations, other Standards bodies or just from individuals, spread the word and encourage businesses to adopt the guidance provided. You can register your interest in BS 30480 through BSI's website, this ensures you get updates on the Standards progress and any training opportunities. If you'd like learn more about BS 30480, feel free to contact Marcus Long via LinkedIn. We'd love to hear your views and comments about the ISO Show, here's how: ● Share the ISO Show on Twitter or Linkedin ● Leave an honest review on iTunes or Soundcloud. Your ratings and reviews really help and we read each one. Subscribe to keep up-to-date with our latest episodes: Stitcher | Spotify | YouTube |iTunes | Soundcloud | Mailing List

If you've ever watched someone you love slip further into dementia, you know how heartbreaking—and exhausting—caregiving can be.In this episode, I'm joined by Bill Uniowski, co-founder and CEO of Zinnia, a revolutionary streaming platform designed specifically for people with mid- to late-stage memory loss.Tune in to learn why typical TV overstimulates dementia patients, how Zinnia supports caregivers, and how Zinnia's thoughtfully crafted videos are helping caregivers reconnect through meaningful, joyful moments.

Ever feel like you keep having the same argument over and over again? Poor communication isn't just annoying—it can trigger chronic stress, mess with your nervous system, and even increase your risk of cognitive decline.In this episode of Happy and Healthy with Amy, we talk about the communication traps many women fall into during midlife—and how to build brain-healthy, connection-rich conversations again.What to Listen For:[00:04:22] The series recap on how connection impacts cognitive decline[00:06:34] The difference between communication vs. connection[00:07:34] The 5 key ingredients of brain-healthy relationships[00:09:24] What happens in your brain when communication breaks down[00:11:01] The subtle but damaging signs of emotional misattunement [00:12:20] What codependent communication sounds like[00:16:15] How to tell the difference between caring and controlling[00:19:56] How fear-based communication damages your brain's memory, empathy, and executive function[00:21:57] 3 brain-healthy communication tools you can use today to protect your relationships and your mindIn this episode, you'll learn how to spot the patterns of codependency and control in your conversations, why they're linked to chronic stress and brain aging, and the exact steps you can take to shift toward connection-driven communication.Listen now, and take the first step to improving the quality of your relationships so social connection is brain protective — not stressful.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Send us a textYou're already paying the price - now it's time to count the cost.In this episode of Teachers in Transition, Vanessa pulls back the curtain on what it really costs to stay in a job that's slowly burning you out. From sleepless Sunday nights to surprise pizza party scams, we're exploring the Three Coins every teacher spends—Time, Money, and Stress—and what it means to start reclaiming them.You'll hear:Why burnout isn't a sign of weakness—it's a debt you've been paying in silenceA personal story about how a fundraiser gone wrong exposed the system's financial gaslightingA 30-second end-of-day hack that helps you leave work at work (for real this time)A smarter way to think about clarity—without needing a perfect job title to startHow childhood joy can become career direction, and why 8-year-old you might know more than you thinkIf you've ever wondered what else you can do or whether it's time to leave, this episode will help you start asking better questions—before burnout makes the decision for you.✨ Like what you heard? Help other teachers find this podcast by sharing, rating, and reviewing it on Apple Podcasts or Spotify. Every star and share helps light the path for someone else. 

In this bonus episode of Lean Blog Interviews, host Mark Graban is joined by Geoff Neiley (chair) and Andrew Wagner (co-chair) of the Lean Product & Process Development Exchange (LPPDE). The 2025 North America Conference will be held October 27–30 in Milwaukee, bringing together Lean practitioners, leaders, and innovators to share insights on reducing waste in product development, improving collaboration, and accelerating learning cycles. Geoff and Andy share their Lean journeys, the history of LPPDE, and what attendees can expect this year. From keynote speakers to interactive sessions, they highlight why LPPDE continues to be a hub for cross-industry learning and continuous improvement. Episode Highlights What is LPPDE, and why was it founded in 2008? How Lean principles apply to product and process development The role of community and peer learning in driving improvement Geoff and Andy's personal reflections on attending and leading LPPDE What's in store for the Milwaukee 2025 conference

What if the reason you keep attracting relationships that drain you isn't bad luck—but your brain?This week on Happy and Healthy with Amy Lang, we're exploring how your inner critic shapes your self-worth, hijacks your brain's wiring, and keeps you stuck in a cycle of “not enough.” I'm also sharing 3 practical, research-backed tools to help you turn that inner bully into a voice of compassion.Tune in for powerful mindset shifts and brain-based tools that will change the way you relate—to yourself and others.What to Listen For (with timestamps):[00:02:00] Why your inner critic isn't just hurting your feelings—it's literally reshaping your brain.[00:03:00] The difference between self-worth and self-esteem (and why it matters).[00:05:00] How a hyperactive amygdala keeps you stuck in patterns of poor self-worth.[00:07:00] Client story: Why a single negative comment overshadowed nine compliments.[00:09:00] The “Tolerance Trap”: Why you start accepting less and feeling grateful for scraps.[00:11:00] How your brain mistakes familiar for safe—even when it's painful.[00:12:00] The “Overcompensation Cycle”: Are you trying to earn love through performance?[00:14:00] Why self-compassion activates your brain's care system—and rewires your emotional resilience.[00:17:00] 3-Step Self-Compassion Break: Use this in the moment to stop a shame spiral.[00:19:00] 4 Rewiring Tools to reprogram your brain and heal your self-worth from the inside out.Your inner critic might be loud, but it doesn't have to be in charge. With consistent practice and the right tools, you can rewire your brain for self-compassion, emotional resilience, and healthier relationships. Start with one of the rewiring tools from today's episode and give your brain a new narrative—one rooted in worth, not shame.

Send us a textFeeling burned out and overlooked? In this episode, Vanessa shares how to build a Custom GPT that writes your lesson plans and the resume fixes every teacher needs to land interviews outside the classroom. Save hours, cut the stress, and start building your next chapter.In this episode, you'll learn:

Not all social connection is created equal. In this powerful episode, Amy dives into how certain relationship patterns—like emotional vampires—can rewire your brain for chronic stress and even contribute to memory loss over time.Tune in to discover the 7 types of emotional vampires and how to manage them without losing your compassion (or your sanity).

In this episode of Supply Chain Now, host Scott Luton welcomes special guest Abe Eshkenazi, CEO of the Association for Supply Chain Management (ASCM), to discuss the reinvention of ASCM's annual supply chain event, now rebranded as CHAINge North America 2025. Scheduled for September 9th and 10th in Columbus, Ohio, CHAINge North America 2025 aims to provide supply chain leaders with opportunities to gather critical market intelligence and learn strategies to tackle both existing and emerging challenges. Listen in as Scott and Abe discuss the importance of collaboration, technology, and talent development in navigating the current dynamic supply chain landscape, key insights from the 2025 ASCM Supply Chain Salary and Career Report, and highlight significant gains in supply chain compensation and the increasing recognition of supply chain professionals' roles. Tune in for an episode that underscores the value of human interaction and relationship-building in addressing the complex challenges faced by supply chain professionals today.Additional Links & Resources:Register now for CHAINge North America 2025: https://na.chainge.events/website/81303/?&utm_source=supplychainnow&utm_medium=social&utm_campaign=conf_chainge-north-america_20250801Connect with Abe: https://www.linkedin.com/in/aeshkenazi/Learn more about ASCM: https://www.ascm.org/Learn more about Supply Chain Now: https://supplychainnow.comWatch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-nowSubscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/joinWork with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkWEBINAR- Mastering Data in the AI Explosion Age - Managing the Fuel That Powers Innovation: https://bit.ly/4ogPN1kWEBINAR- Real stories: Fast-tracking value, a pioneering digital transformation with impactful results.: https://bit.ly/4mgp1EWWEBINAR: Real Shipping Stories. Real Money Saved.: https://bit.ly/45PegUmWEBINAR: From Compliance to Impact and Competitive Advantage: How to Decarbonize Your Supply Chain: https://bit.ly/47uXKKoThis episode is hosted by Scott Luton and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/breaking-news-now-ready-chainge-2025-ascm-1476

Ever feel like you're constantly “starting over” with your nutrition? You get motivated, set big goals, try to do everything at once… and then life happens. Suddenly you're tired, off track, and telling yourself you'll start again Monday. In this episode, I break down why motivation and willpower aren't enough, and what actually works if you want to stay consistent—even when you're busy and exhausted. You'll learn: Why most people get stuck in the “all-or-nothing” cycle The #1 place I start with my clients to build consistency Three steps to simplify your nutrition so it feels doable, not overwhelming

Are you always the one saying yes — even when you want to say no? If you're constantly putting everyone else's needs before your own, you might be stuck in the people pleasing trap — and it could be rewiring your brain in dangerous ways. In this episode, I share how chronic people pleasing not only impacts your emotional well-being but may also put your cognitive health at risk.What to Listen For[00:02:10] How social connections reduce dementia risk — and why quality matters more than quantity[00:04:00] The childhood experience that rewired Amy's brain to prioritize others over herself[00:06:30] The anxious loop people pleasers live in: scanning for approval and avoiding rejection[00:08:10] The advice from a mentor that changed everything: “No is a complete sentence”[00:09:20] Why people pleasing is a form of self-abandonment[00:10:30] The fawn response: how appeasing others is a trauma-based coping mechanism[00:11:50] The neurological impact of people pleasing: cortisol, hippocampal shrinkage, and memory loss[00:13:15] Brene Brown's distinction between “fitting in” and “true belonging” — and how it applies to brain health[00:15:40] The hidden toll on cognitive function: anxiety, indecision, and loss of interoception[00:21:10] 3 strategies to rewire your brain and stop compulsive complianceChronic people pleasing isn't just draining — it's dangerous. It keeps your brain in a constant stress loop, contributes to inflammation, and erodes your self-trust. But the good news is this: your brain is plastic, and with every boundary you set, you're creating a new pathway toward resilience, clarity, and health. Start by inserting a pause, practicing low-stakes boundaries, and reconnecting with your authentic self.

In this special episode of The Fierce Factor Podcast, you'll hear Day One of our SPARK Leadership Sprint—a powerful training designed to help women stop reacting and step into confident leadership during unprecedented industry change. Kaeli dives into the seismic shifts happening in our economy and the aesthetics/wellness industry, including the largest wealth transfer in human history, explosive industry growth, and the influx of private equity. If you're feeling like your business foundation is shifting like quicksand despite your success, you're not imagining things. Over five days, we guided founders through the SPARK Framework: Strategy: Define your vision and growth roadmap People: Build and inspire a high-performing team Alignment: Create harmony across your business Results: Track measurable outcomes to scale Knowledge: Equip yourself with the insights to lead boldly As women building businesses, we're rewriting the rules—our grandmothers and mothers didn't have this blueprint. It's time to trust your internal wisdom and build something that works for YOUR life, not someone else's definition of success. If you'd like full access to every session replay, head to klcconsultants.com/spark before August 29. Resources → Register for SPARK: Our 5-day Confident Leadership Intensive for Female Aesthetic and Wellness Leaders → Join the Fierce Factor Society → Follow Kaeli on Instagram: @kaeli.lindholm Additional Ways to Connect: Book a Discovery Call: Ready to scale with intention? Let's map out your next strategic move. Subscribe to The Blueprint: Weekly insights for founders building magnetic, trusted, and wildly profitable brands. KLC Consulting Website Kaeli on LinkedIn

If your sales page is blending in with every other “coaching program” on the internet, you're losing the click before you've even made your case because people aren't sticking around to read about your program. In this episode of Unjaded, Vickie Dickson takes you inside a real-life sales page audit for a Content by Design alumni member. You'll hear why even seasoned entrepreneurs slip into copywriting traps, how competitor research can actually hurt your results, and the exact shifts that turn a static page into a client-magnet.Vickie breaks down:Why the above-the-fold section is your most valuable real estate—and how to use it to speak directly to your ideal client.The “so that” and “which means that” method to go deeper than surface-level benefits.How to replace overused, meaningless words (like “aligned” or “empowered”) with language that actually lands.The dangers of creating objections your audience hasn't even thought of yet.Why your sales page should be about them, not you—and the simple copy shifts that make that happen.Whether you're starting from scratch or tweaking an existing page, this episode gives you actionable ways to infuse your Human Design into your copy so you can ditch the templates, stop second-guessing, and create a sales page that sells without feeling salesy.Links & Resources:Register for Vickie's free 3-day Speak to Sell Masterclass Series hereEP 66: Add These Two Words to Your Sales Message Now! Join the event of the season - the one that changes EVERYTHING in your business because you'll finally understand exactly how to speak so that your soul fit clients can hear you - and hire you!This only happens twice a year.It's FREE!It's 3 Days Live in the room with me showing you how to leverage your Human Design to bring your message to live so that you bring paying clients in with ease - and joy!Register here.https://www.vickiedickson.com/live-masterclass-register

If you could only pick three lower body exercises to get the most out of your time in the gym — more muscle, more calorie burn, and more functional strength — these are it. In this episode, I'm walking you through my top 3 lower body moves, how to do them with confidence, and how to keep progressing so you actually see results.  You'll also learn exactly how to apply progressive overload so you never hit a plateau, plus a simple workout you can plug into your week right now. And don't forget — from Sept 22–28, I'm running a limited-time podcast series called How to Meal Plan to Lose Weight. It's your 7-day audio blueprint for creating meals you love, hitting your nutrition goals, and saving time. Grab your spot at effectivefitnessforwomen.com and click the banner at the top.   Links and Resources: Register for the How to Meal Plan to Lose Weight pop-up podcast (Sept 22–28): effectivefitnessforwomen.com Get the No-Fear Weight Room Tour Here. Book a Discovery Call

Did you know that real human connection—not supplements, superfoods, or workouts—is one of the most powerful ways to protect your brain? In this episode of Happy and Healthy with Amy Lang, we dive into the science behind social connection and why it's essential for women in midlife who want to protect their cognitive health.What to Listen For:[01:25] The New York Times article that sparked this episode[02:05] What makes “Super Agers” cognitively younger than their peers[03:00] Brene Brown's definition of real connection[03:45] Why your brain is biologically wired to bond with others[04:10] What the longest-running study on adult development reveals about relationships and brain health[05:05] The devastating effects of loneliness—equal to smoking 15 cigarettes a day[06:30] What is social homeostasis and why it matters for your brain[07:20] How isolation rewires the brain and leads to cognitive decline[10:55] The 3 layers of social connection: inner circle, common clusters, and micro-interactions[14:00] 4 actionable strategies (plus a bonus!) to start building brain-supportive connections todayProtecting your brain doesn't have to be complicated. Real, authentic human connection is one of the most powerful tools we have—and it's free. In this episode, I shared how you can start strengthening your brain through relationships today. Be sure to subscribe to Happy and Healthy with Amy Lang, and don't forget to join the priority list for Second Spring Society (moxie-club.com/society), our upcoming membership for women in midlife who want to thrive together.Sources:Waldinger, R., & Schulz, M. (2023). The Good Life: Lessons from the World's Longest Scientific Study of Happiness. Simon & Schuster.Holt-Lunstad, J., Smith, T. B., & Layton, J. B. (2010). Social Relationships and Mortality Risk: A Meta-analytic Review. PLOS Medicine.Liu, D., & Tye, K. (2021). Neural mechanisms of social homeostasis. Neuron.Sepúlveda-Loyola, W., et al. (2020). Impact of Social Isolation Due to COVID-19 on Health in Older People: Mental and Physical Effects and Recommendations. Journal of Nutrition, Health & Aging.Lara, B., et al. (2021). Neuropsychiatric symptoms and quality of life in Alzheimer's patients before and during lockdown. International Psychogeriatrics.Brown, B. (2010). The Power of Vulnerability. TEDx Houston.Dr K (Dr. Alok Kanojia), Healthy Gamer GG. I Don't Know How to Build Relationships: https://www.youtube.com/watch?v=yfWVQ25UmEQ  Cole, T. (2021). Boundary Boss: The Essential Guide to Talk True, Be Seen, and (Finally) Live Free. Sounds True.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Two-thirds of Alzheimer's patients are women — but it's not just because we live longer. The brain changes that lead to dementia often begin during perimenopause, making the menopause transition a critical window for prevention.In this milestone 300th episode and Season 2 premiere, master health coach and bestselling author Amy Lang reveals why menopause isn't decline — it's your Second Spring and most powerful opportunity to not only protect your cognitive future, but become who you were always meant to be.

Food is fuel. It sounds so clean and logical, doesn't it? Like if we could just stick to that belief, everything would fall into place. We'd stop craving sweets when we're stressed. We'd stop emotionally eating after a hard day. We'd finally be “in control.” But here's the truth no one talks about: food isn't just fuel. It's comfort, connection, culture, memory, and celebration. And trying to pretend otherwise? That's often what keeps us stuck. In this episode of Total Health in Midlife, I'm sharing why the “food is fuel” narrative might be doing more harm than good—and why giving yourself permission to enjoy food can actually lead to more peace, not less. If you've ever wondered why you can't seem to stick to your “plan” or why you feel shame around emotional eating, this episode will help you see things in a whole new light.     WHAT YOU'LL LEARN Why “food is fuel” is an incomplete (and often harmful) message How emotional eating becomes unconscious—and what to do about it Why permission and pleasure are essential for building a peaceful relationship with food What moderation really looks like when you trust yourself     RESOURCES Register for How to Stop Overeating Without Going on a Diet – Free Class  The 8 Basic Habits Healthy People Do – Free Guide & Checklist The Podcast Listener's Roadmap – Find the best episodes for where you are right now   Get full show notes and more information here: https://elizabethsherman.com/235  

In this bonus replay episode, I'm delivering a powerful message specifically for my soul sister entrepreneurs. I see you, the women who get things done and are constantly balancing building a business, leading a team, and managing your personal life. I'll challenge you to assess where you may be "half-committing" —whether it's by not allowing a team to take over, treating core values as an afterthought, or failing to make time for strategic planning. The episode dives into the "lonely middle", a phase where highly successful women may feel stagnation. You'll learn that true success isn't found in mimicking others but in the fundamental, often painful work of shifting your identity to become capable of nurturing significant growth. This is your call to you to stop half-committing, invest in real growth, and fully commit to becoming the confident, convicted leader you are meant to be. Resources → Register for SPARK: Our 5-day Confident Leadership Intensive for Female Aesthetic and Wellness Leaders → Join the Fierce Factor Society → Follow Kaeli on Instagram: @kaeli.lindholm Additional Ways to Connect: Book a Discovery Call: Ready to scale with intention? Let's map out your next strategic move. Subscribe to The Blueprint: Weekly insights for founders building magnetic, trusted, and wildly profitable brands. KLC Consulting Website Kaeli on LinkedIn

You've been told menopause means decline—but what if it's actually a time for metamorphosis? What if it's your Second Spring—a powerful time to release outdated beliefs, embrace new possibilities, and take charge of your brain health. In the season 1 finale, we're talking about letting go of the beliefs, roles, and expectations that are holding you back so you can step boldly into this next chapter of life. What to Listen For[00:01:50] The pivot from weight loss to brain health and Alzheimer's prevention—and why it matters now more than ever.[00:04:50] The surprising link between menopause, brain changes, and dementia risk.[00:06:30] How “second spring” thinking transforms how you see menopause.[00:07:20] The butterfly chrysalis analogy: why breakdown is preparation for flight.[00:08:10] Limiting beliefs to release—like “I'm too old to start something new” or “my best years are behind me.”[00:10:20] How perfectionism and people-pleasing silently harm your brain.[00:11:30] Why letting go of roles, clutter, and outdated dreams frees up brain energy.[00:13:10] Menopause symptoms reframed as signs of transformation, not decline.[00:18:20] How sleep, insulin resistance, and hot flashes all connect to Alzheimer's risk.[00:21:10] Details about the free quiz: “Is this just brain fog or early signs of Alzheimer's?”Conclusion Menopause isn't the end—it's your beginning. This second spring is your chance to protect your brain, reclaim your energy, and create the life you want. Listen to this episode for the inspiration, science, and strategies to step into your most powerful chapter yet.Resources MentionedTake The Quiz: Is It Just Brain Fog or Early Signs of Alzheimer'sYouTube Channel: Happy & Health with AmySubscribe & Review in iTunesIf you like what you hear, please subscribe to my podcast.  I encourage you to do that today as I don't want you to miss an episode.  Click here to subscribe on iTunes!Now if you're feeling extra loving, I would be really grateful if you left me a review over on iTunes, too. Those reviews help other people find my podcast and they're also fun for me to go in and read. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let me know what your favorite part of the podcast is.Thank you!RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

It's like Lion King 1 1/2 (or Platform 9 3/4) but better! Spiritually Ever After is back with a brand new series: SEA Shorts. These shorter episodes (the goal is < 15 min) will feature magical wisdom riffs, quick rants on Disney news, important updates in Kitty's world and more. This first SEA Short dives into why it's been a bit since the last episode and what to expect from the podcast moving forward. This episode covers:* Current Spiritually Ever After podcast stats (hint: you all are amazing, THANK YOU) * The new project that has been keeping Kitty from SEA * Which of Kitty's events have included children, turtles, and goats

In this episode, we sit down with Andre Christian of Watts Life United, Roman Maldonado from Thee Illusions Car Club, and Dwight Lewis of the National Lowrider Association. These men are some of the organizers behind the Stop the Hate & Stop the Raids Solidarity Ride taking place August 10th and kicking off 9am at Mcarthur park. This event was created in direct response to the recent wave of ICE raids across Los Angeles, especially in South Central. It aims to demonstrate solidarity and support within communities facing political turmoil. The ride is explicitly designed as a Black and Brown initiative, emphasizing moving together as one.We talk about how the lowrider community is using culture as protest, as protection, and as a tool to strengthen Black and Brown unity during a time of fear and rising tension.Resources:Register for the Lowrider Solidarity and Unity Ride at https://bit.ly/unityridelaFor questions about the event email wattslifeunited@gmail.com or call Nira at (323)213-7588Community Announcements:South LA Pride: www.southlapride.comLA Legacy Business Grants: bit.ly/LAlegacy (link is case-sensitive)LA Business Source Centers: bit.ly/BusinessSource10 (link is case-sensitive)

In this episode of The Kelly Roach Show, Kelly shares why she completely overhauled her high-ticket sales strategy and how her new model is creating faster growth, higher profits, and more predictability for her business and clients. If you've been stuck running costly consultations, unpredictable high-ticket launches, or struggling to scale your services sustainably, this episode walks you through the strategic shift you need to make to succeed in this market. Kelly breaks down the power of trust-building offers, and why moving from external sales to internal upgrades is the smartest way to grow in 2025. Timestamps: 2:00 — The evolution of Kelly's $30K+ entry point model 3:00 — The untapped demand hiding in your current customer base 5:30 — Why selling high-ticket INTERNALLY is your fastest path to scale 6:45 — The cost of consult calls vs. warm internal upsells 7:55 — Real client results 11:00 — How trust-builders set up backend concierge sales Resources: Register for Kelly's FREE masterclass on how to accelerate your sales using the Trust Building Offer model: https://go.virtualbusinessschool.com/dailysales?am_id=kelly3943  Download the FREE Guide to creating Trust Building Offers that sell: https://kellyroachinternational.kit.com/tbo  Join The Virtual Business School Membership for just $59/mo: https://go.virtualbusinessschool.com/joinvbs  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/     Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/  Connect with Kelly on LinkedIn: https://www.linkedin.com/in/kellyroachint/  

Think menopause means saying goodbye to a good night's sleep? Think again.In this episode, I unpack the real reasons why your sleep is suffering—and what you can do to start sleeping deeply again. These aren't just tips. They're game-changing strategies for your midlife brain and body.What to Listen For:[00:03:00] Why menopausal insomnia is not all in your head—it's hormonal.[00:04:00] How declining melatonin, estrogen, and progesterone hijack your sleep cycle.[00:07:00] The "wired but tired" feeling and why cortisol is to blame.[00:09:00] Why generic sleep advice fails during menopause—and what actually helps.[00:10:00] The non-negotiable habits to reset your circadian rhythm.[00:11:00] Affordable (and high-tech) cooling solutions to reduce night sweats.[00:14:00] How to create a “wind down system” that soothes your nervous system.[00:15:00] The power of morning sunlight and foods that support sleep hormones.[00:18:00] Smart movement tips: when and what kind of exercise actually supports sleep.[00:20:00] The truth about hormone therapy (MHT) and how it changed my life.Menopausal sleep disruption doesn't mean your body is in decline—it's a biological response to massive hormonal changes. The good news? There are science-backed strategies that can bring relief. If you're ready to move from “wired and tired” to well-rested and refreshed, this episode is your first step.Subscribe & Review in iTunesIf you like what you hear, please subscribe to my podcast.  I encourage you to do that today as I don't want you to miss an episode.  Click here to subscribe on iTunes!Now if you're feeling extra loving, I would be really grateful if you left me a review over on iTunes, too. Those reviews help other people find my podcast and they're also fun for me to go in and read. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let me know what your favorite part of the podcast is.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

In this powerful episode of The Kelly Roach Show, Kelly delivers a direct, honest call-to-action for business owners navigating difficult seasons of contraction, confusion, or chaos. If it feels like the things that once worked in your business no longer do, you're not alone. But, you are being called to lead differently. Kelly talks about what it takes to be a "four season CEO," and shares how pruning, simplifying, and returning to the fundamentals are the keys to rebuilding momentum in uncertain times. She also offers a bold challenge: making 100 courageous decisions in short order to eliminate the noise, refocus your vision, and put your business in a position to thrive. This episode is for every entrepreneur holding on too tightly to what used to work, who is ready to claim the next evolution of their leadership. Timestamps 2:06 – The 4 seasons of business and why pruning is necessary for growth 3:36 – How complexity disconnects you from your market and your power 4:21 – The Four-Season CEO: stats on pruning and faith-driven leadership 9:06 – Your business needs almost nothing to grow quickly 10:22 – The hidden cost of carrying too much: why you feel stuck 11:12 – The power of simplification for productivity and profit 12:23 – Radical focus: why doing less leads to better results 13:08 – Urgency: you don't have 3 months, you have 3 days 14:02 – The true reward of 100 courageous decisions: lean, profitable growth 14:45 – Concentration is the missing ingredient in today's market Resources: Register for Kelly's FREE Daily Sales Accelerator and learn how to simplify your path to predictable profits: https://api.leadconnectorhq.com/widget/form/1Vw2hQsQOtYCswDoxDYT?am_id=kelly3943  Simplify your focus to multiply your results, and join the Virtual Business School for just $59/month: https://go.virtualbusinessschool.com/joinvbs  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/   Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/   

Feeling frustrated with midlife weight gain and cravings that just won't quit? You're not alone — and it's not just about willpower.In this episode, Amy breaks down the real reasons behind that stubborn midsection fat, shares the critical connection between estrogen and brain health, and how to work with your body (not against it) with five essential habits so you can reclaim your energy and protect your brain. What to Listen For[00:02:00] Why menopause weight gain is more than just a vanity issue — it's about brain and metabolic health.[00:03:00] The surprising link between declining estrogen, insulin resistance, and increased Alzheimer's risk.[00:05:00] Why prioritizing sleep is non-negotiable for managing cravings and protecting your brain.[00:10:00] Simple bedtime habits to improve sleep — including a two-minute version if you feel overwhelmed.[00:11:00] The power of five servings of colorful fruits and vegetables (and how to make it easy).[00:13:00] Why plant proteins like soy, lentils, and nuts can be your midlife superfoods.[00:15:00] How starting your day with water (before coffee!) supports energy and reduces cravings.[00:17:00] The importance of daily nervous system resets for stress, emotional eating, and brain health.[00:19:00] Tiny movement habits that help you maintain muscle, balance insulin, and sleep better.[00:20:00] How to shift your mindset from battling your body to partnering with it — and what the weight set point theory means for midlife women.Recommended Complimentary EpisodesEpisode 239: [Back To Basics] How To Make Habits StickEpisode 272: The Essential Stress Response ToolkitEpisode 283: The Vagus Nerve: Your Brain's Hidden Ally Against Alzheimer'sWeight gain during menopause isn't a battle to win — it's an invitation to support your brain and body with compassion and smart habits. Listen now, subscribe, and share this episode with a friend who needs to hear it!Subscribe & Review in iTunesIf you like what you hear, please subscribe to my podcast.  I encourage you to do that today as I don't want you to miss an episode.  Click here to subscribe on iTunes!Now if you're feeling extra loving, I would be really grateful if you left me a review over on iTunes, too. Those reviews help other people find my podcast and they're also fun for me to go in and read. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let me know what your favorite part of the podcast is.RESOURCES: Register for the FREE Masterclass: 5 Keys to Protecting Your Brain Health Book a FREE Discovery Call with Amy Lang Order Amy's book Thoughts Are Habits Too: Master Your Triggers, Free Yourself From Diet Culture, and Rediscover Joyful Eating. Follow Amy on Instagram @habitwhisperer

Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Keith discusses the rising cost of real estate, predicting that million-dollar homes will become common by 2033 due to: supply scarcity, demographic demand, inflation, and regulatory costs. Over half of U.S. states have cities with starter home prices over $1 million.  Hear about the challenges of investing in beach towns, citing rising insurance costs and maintenance expenses GRE Investment Coach, Naresh, joins the conversation to highlight the BRRRR strategy for income property investment. Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Show Notes: GetRichEducation.com/562 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, million dollar homes will be normal by 2033 I'll discuss why and exactly where they'll be arriving. Why are more beach towns going bust? What's in the big, beautiful bill for real estate investors? Then how to own income property with just 10% equity in it today on get rich education.    Keith Weinhold  0:28   Mid South home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated, there's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:53   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  2:10   Welcome to GRE from Palm Bay Florida to Palm Springs, California and across 188 nations worldwide, you are inside one of the longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, I think you know that by now, you can also find my written work in both Forbes and the USA. Today, million dollar homes could be coming to right where you live only as the average home, a typical home. Best said is the million dollar median priced home. They're increasingly common across America. We're going to look at the exact areas where this is going to happen next, and why. Though, real estate prices are only up about 2% annually. This time, a plethora of forces are conspiring to push median American home prices ever higher to a million bucks by 2033 the reasons for ever higher future prices on a national basis are supply scarcity. Though, homes aren't as scarce as they were, say three years ago, incessant demographic demand, continued inflation, tariff pressures, heightened regulatory costs, the rate lock in effect remote work and a perpetual construction labor shortage that makes it easier to find a unicorn than, say, a good plumber out there. All these things are conspiring to push long term prices up, up, up, and sadly, this will make first time home buyer dreams, well only dreams, not a reality for so many Americans. CBS News recently called first time homebuyers an endangered species for this reason. Hmm. Then I wonder if the US Fish and Wildlife Service is now protecting these beleaguered, endangered first time homebuyers. Now the typical Canadian single family home costs 779,500 Canadian dollars today. And get this now, of course, some US regions will have rising prices, and others falling prices in the shorter term, although the general direction is up, but more than half of us, states, 28 out of 50, already have at least one city where the median price for a starter home, just a starter home, is a million dollars or more. This is per realtor.com economist. More than half of states have that condition. Now I want a starter home that's defined as 80% or less of the price of an area's median Well, here we go. It is not just trophy cities anymore that are on the precipice of the million dollar club. It's these moderately priced cities that are next in line, and one trend is that they're located near already expensive markets. For example, Stockton, California is two hours inland from San Francisco, and Stockton is best known for well being two hours from San Francisco. That's about it, all right. Well, here is the 2023 median price. And it's 2033 projection, only eight years away, really, just a little over seven years away. This is where we're going. All right, Boise, from 465k up to $1,163,000 million $163,000 Boston, from 623k to 992k and again, these are 2023 median home prices, and then what they're projected to be in 2033 as these million dollar homes become typical, just in these somewhat moderately priced. US areas, let's continue Colorado Springs. 455k up to $1,020,000 I've made two trips to Colorado Springs in the past two years. I really like it. They're really livable with a nice little airport Denver. 548k up to $1,297,000 Honolulu, 638k up to $1,144,000 Portland, 501k to more than doubling to $1,052,000 Sacramento, 558 up to over $1.1 million Salt Lake City, more than doubling from 493k up to $1,064,000 Seattle, 694k up to $1,486,000 and finally, the aforementioned their Stockton, California, 579k up to $1,447,000 million dollar homes are increasingly abundant into places that are surely Not trophy cities anymore. They're projected to come to all these places by 2033 and this is very realistic, because consider this, what will a million dollars even be worth in 2033 just a little more than seven years away, what will a million dollars even be worth then at 3% inflation, just $789,400 All right. Well, what should you do with this information? It gives you perspective, waiting is not helping get comfy with million dollar homes that are like just kind of all right? And here's the thing, a million dollar home that used to be like posh that used to come with a waterfront view or a celebrity neighbor, and today you just get a popcorn ceiling in a mysterious draft in some entire counties, like I've told you before, in San Mateo County, California, the median home price is already over $2 million just an average home county wide. And I also mentioned to you that there's another California County, Santa Clara, California, where the median price is over $2 million but there are more Nantucket, Massachusetts, Pitkin, Colorado and Teton County, Wyoming, all over $2 million county wide. I mean, in places like this, a million dollar home is a gut job. I mean, it needs a renovation. In these places, a million dollar home costs less than half of the county median. So therefore it is so broken down that you might not even be able to get a conventional loan for that property. And notice that the Sun Belt is not on any of these lists for now, despite its growth, there's still vast land and cheaper housing there the southeast and the Midwest, they still feel like America's affordable housing frontier. But you've got to wonder, for how long and what else does this continued low affordability mean? It's the American. Emerging trend that few people see coming, but we've talked about here, it's that common tidal wave, this horde of new renters that are coming, priced out of million dollar homes. Your renters are coming, and what does this mean for you? Well, consider owning low cost rental property in those low cost parts of the nation. We help you do that here, completely free, at GRE investment coach.com a tidal wave of future renter demand means higher rents and higher occupancy rates. Your renters are coming.   Keith Weinhold  10:39   now, last week, on the show, I discussed the Airbnb arms race, how short term rentals really need a serious glow up and some major investment to compete in a lot of markets anymore. This week, let's discuss the trends in another real estate niche that's largely fallen on some harder times, and that is investing in beach town, something that might be more top of mind for us, as we are here in mid summer. The very best beach town for a bikini slim budget is Pascagoula, Mississippi, a gulf shore escape, where the typical listing will run you a mere 166k can you believe that now this gulf coast town of 22,000 people, it is somewhat of an aberration, though, be careful, Pascagoula is affected by a FEMA rule that really limits the amount of renovation that you can do there? Atlantic City, New Jersey, it's another beach town with a jaw droppingly Low typical list price of 242k yeah. Atlantic City, AC is the name long synonymous with gambling and Trump property port. Ritchie, Florida is another notably cheap beach town with just a 255k typical list price. And it's notable because back in 2019 GRE did a real estate field trip there where I and the property provider and a few speakers, we hosted you, and then we toured properties together in a coach, a tour bus, but those neighborhoods were actually about two miles inland, Myrtle Beach, South Carolina, still just 299k. Corpus Christi, Texas and Ocean City, Maryland, are two more notably cheap beach towns now, especially after talking about the million dollar homes and then you hearing about these cheap beach towns. You might be wondering, gosh, should I buy property for cheap in these beach towns? But, you know, buying the beach house is just the start. Rising. Insurance costs and maintenance costs have forced a lot of investors to question whether beach homes are too big of a gamble now with a few investor profiles here were interviewed first Levi Rogers, a retired Green Beret and a real estate broker in San Antonio, he recently shared how his property on the Gulf Coast went from $3,200 a year for insurance to over $11,000 and that's if you can even get coverage without bizarre exclusions, throw in new flood zone Redeterminations and wild HOA fee hikes due to inflation, and your profits are wiped out in an instant. That's what Levi Rogers says about his particular situation. Honestly, coastal property makes me more nervous than my first Million Dollar Listing. Despite loving beachfront real estate, that's what Los Angeles real estate agent Wesley Kang says he's seen changes that would shock most investors. Insurance costs broke another record at his Marina del Rey listing the owner just got hit with a $68,000 annual premium up from 15k last year, while his neighbor, two blocks inland, pays just 7k so in addition to hurricanes and slow and steady beach erosion, that has caused some homes to simply collapse and fall into the sea. Kang, the Los Angeles real estate agent, said his Malibu client just spent his entire summer rental income on mandatory seawall repairs. Another had to install $100,000 worth of water barriers just to keep his insurance. So is a beach home a good investment? Well, owning it really is not the easy, dreamy investment that it used to be. There are some investors that still think it's worth it, but they need to change their strategy. Roger said that he hasn't sold yet. He just. Had to adapt. That's the San Antonio real estate broker. He cut his rental period down to only the high season months. Raised his rates by 22% just totally ended low season bookings, and he promoted high end upgrades to make the numbers work. He says you have to run it like a hospitality business now, not a passive rental, so the ROI can still be there, but only if you're really on top of it, actively managing risk and costs and the guest experience. Otherwise, what you're doing is that you are just financing someone else's vacation. And this is along the lines of what I was discussing last week with short term rentals in general. Real Estate Investor Daniel Roberts, based in Idaho, he says beach properties are now riskier. He has reinvented his approach to stay solvent. He says we improved our rental by presenting the property as a luxury destination, adding concierge services with dining and boat tours and even fitness sessions. With this rental arrangement, we earned 18% more on rental income last year compared to the previous year, is what he says. However, still, our profits have decreased a little since we now pay so much more each month for insurance and for maintenance, if you're shopping for a beach house and hoping for a deal, it might pay to search a bit inland for cheaper properties and insurance rates, and then it's not really a beach house anymore. Elevation is your friend. Certain oceanfront areas are experiencing a steep drop in some places like Florida. I mean, can you buy the dip if you're looking for opportunities in investor areas like Florida, which saw a huge run up of people heading there during the pandemic, but their jobs require them to return to the office. If you're in the market for a vacation property that you can rent out and possibly use as a second home. There are beginning to be more and more choices. So the bottom line here is that many beach towns are in a bust. Their profitability is under attack, chiefly from these insurance premiums that have as much as 3x or more for many in the past three or four years, Hoa costs are up due to inflation, and then there's just simply the threat of more storms and more beach erosion, and just the stress and concern that causes even outside of the insurance cost, short term rentals tend to be right on the coast or A short walk from the beach. The best long term rentals tend to be inland, inland. Long term rentals are long where we have focused here on this show, and they tend to be stable and steady and frankly, kind of boring, but somehow boring in an interesting way, if that's possible, they plod along paying you five ways.    Keith Weinhold  18:05   Hey, is get rich education the number one real estate investing podcast in America. Are we number one? I've got an answer for you on an upcoming episode. It looks like the big, beautiful bill that was signed into law on the Fourth of July will be advantageous for real estate investors. It extends a lot of Trump's 2017, tax cuts and Jobs Act. There are modifications to opportunity zones in the big, beautiful bill. But the big story is that 100% bonus depreciation has been restored, reset, huge that applies to qualified property placed in service from January 20, 2025 through the end of 2029 now is the Time to accelerate acquisitions and renovations to leverage 100% bonus depreciation. I mean, this is great for investors. And what this does is it allows you to fully deduct the cost of qualifying renovations, property improvements and certain building components immediately, instead of you, having to spread the deductions out over several years. Major however, the big, beautiful bill does not do much of anything to help those beleaguered first time homebuyers that endangered species. In fact, in a previous version of the bill, it was going to open up millions of acres of public lands for new development. Now, if that happened, that could have added more housing supply and therefore kept home prices from perpetually rising, and therefore maybe helped first time home buyers. But that provision was removed from the bill before it got passed. All right, so those public. Lands will not be developed. That was not part of this bill, and that's a quick overview of what Trump's big, beautiful Bill means to real estate investors. To review what you've learned so far. Today, million dollar homes are coming to more places, and that's due to supply scarcity, demographic demand, incessant inflation, tariff pressures, heightened regulatory costs, the rate lock in effect, remote work and a perpetual construction labor shortage. More beach town properties are going bust due to surging property insurance costs and the big beautiful Bill has some serious positives for real estate investors, but not for first time home buyers.    Keith Weinhold  20:45   There is a lot happening here at GRE we, including me and our investment coaches here, are talking with you, our investors. We're talking with the nation's top property providers, as we always do, and there's just a lot of real estate news. How can you follow us to keep up on all this? Well, there are three main ways, and they're all free. There's no subscription cost. That is, firstly, through this show, the get rich education podcast. Secondly, our YouTube channel called get rich education. Yes, we are consistently branded. And the third main way to follow us is with our Don't quit your Daydream newsletter. Sign Up Free by texting GRE to 66 866, that's text GRE to 6668 66 and there you go. They're in they are the three main ways to follow us, podcast, YouTube channel and newsletter, and then also our social media channels, get rich education can be found at all the usual places, Facebook, Instagram, Tiktok and x, but our handle is Get Rich ed on x because there is a character count limit there. That's how to follow us. You can find our recommended property providers at GRE marketplace when you're getting actionable, and then to engage with us for a free strategy session to learn your goals and really put you on a financially free trajectory. You can do that with our investment coaches directly book time on their calendar at GRE investment coach.com   Keith Weinhold  22:25   what is happening with the future of the Fed and interest rates, and how can you put as little as 15% even 10% down on an income property? That's next. I'm Keith Weinhold. You're listening to get rich education    Keith Weinhold  22:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.   Keith Weinhold  23:11   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk, because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66 866   Naresh Vissa  24:21   you this is peak prosperity. Chris Martenson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:42   It's terrific to have a familiar voice back on the show. It's an in house discussion with our own GRE investment coach since 2021 he's met with you, usually over zoom or the phone completely free to learn your own personal goals. Find the market that's right for you. Two. And he even goes as far as helping connect you with the exact property address that would make your next real estate pays five ways property, like say, you find 654, Maple Street in Little Rock, Arkansas or Indianapolis, Indiana. For you, he helps you through it all. And then he even helps you if you have any trouble after owning the income property. He's got the formal education with his MBA, and he walks the talk because he's a direct real estate investor, just like I am. Hey, welcome back to the show investment coach Naresh Vissa.   Naresh Vissa  25:32   thanks for having me back on. It's always a pleasure to talk to you and the loyal GRE listenership that we have. I think   Keith Weinhold  25:40   we enjoy talking to each other more than President Donald Trump and Fed Chair Jerome Powell do for sure. And I think if anyone's been paying any attention, there's been quite a feud between Trump and Powell, and it's been pretty entertaining. Trump has referred to Powell as Mr. Too late, like too late to make a decision. He has called Powell a numbskull. He has said Powell has a low IQ for what he does. That drama has been really interesting now. Powell's term ends in May of next year, so about 10 months from now. And I think most anyone knows that Trump wants an interest rate cut badly, but Powell keeps holding tight, and what Trump says is that he wants to lower the interest costs on our national debt. That's the reason that Trump gives for lowering the rates. But Powell's been reluctant to lower rates because it might stoke inflation. In reality, I suspect that Trump wants lower rates just to juice economic growth, like that's the real reason, and then Trump sort of hopes that inflation only catches up with the next president who comes in in 2029 and interestingly, back on July 1, Jerome Powell said, if it weren't for tariffs, he would have already lowered rates. What are your thoughts?   Naresh Vissa  26:55   Well this is a lot more complicated than it seems, and here's why Trump called Powell a lot of names, and I think some of those names hold true if we go back to when Biden was president, because it was in April, May 2021, that I was saying, hey, it's time to start increasing the interest rates, because inflation was going up significantly, very quickly, it was going up. And if you recall, Keith, I know you did many episodes on this, Powell kept saying, Oh, this is transitory. It's just transitory. And my whole justification was, well, look, a 25 basis point hike ain't gonna kill anybody. And they refused to do it for an entire year. Once we started seeing inflation going up. And by that point, inflation went up close to 10% that's how bad it got. That's it didn't hit the double digits, but it was very close to hitting the double digits. So yes, I do think Powell was a numbskull for not raising the rates back in 2021 but today I'm actually on Powell's side, because there are still inflationary pressures. And remember, Keith, the inflation target is 2% it's not two and a half percent. They haven't moved the goalposts. It's still 2% and last month, this is the media is not talking about this, except for get rich education today, inflation went up last month. So yes, it beat expectations, but it still went up. The expectations were that the terrorists were going to create this massive inflation and we would be back up at the three handle. And it didn't do that. But regardless, inflation still went up. So let's wait. Let's see what the CPI numbers show. I don't think we're going to be close. I don't think we're going to be under that 2% figure within the next two months, and that's why I think Powell is justified in holding to rate study. Now, with that being said, I do think because of Doge, we did an episode earlier this year on Doge, because of Doge, because of the latest ADP job numbers, the latest unemployment numbers, the private sector cuts that are happening at Microsoft and Google and a lot of other big name companies. I do think that inflation will eventually dip below 2% you look at the gas prices have hit four year lows. Look at egg prices have hit, I think four year lows or three year lows. I do think we'll dip below the 2% at some point. The question is, is, when is it going to be? You know, three months from now? Is it going to be a year from now? It all depends. So what does that mean for your question of, is Powell right? Is he wrong? Is he a numbskull? Who's right? I completely understand what you said is why Trump wants the rates cut, and that is, he wants to juice everything because he looks great, and it's a midterm election year, next year, and he doesn't want to lose his Congress. And I understand the political side of it, but the number one issue, the number one issue, according to almost every poll out there before. Election, the number one issue on voters minds was inflation. It's had things. The bleeding has not stopped, and the inflation is out of control. The groceries are too expensive. That's what's important. And I'm on Powell's side here. I think you have to be patient. On the other hand, Trump is being very aggressive, and he's looking to replace Powell, and he's going to put in his guy in there. I mean, the basic requirement for the job is you're going to get in there and slash entry. You're not even going to do a 25 basis point cut. You're going to go down to 1% fed upon rates overnight. That's what Trump wants. I don't know if you saw that, but Trump wants a 1% Fed funds rate pretty much overnight, because he's saying, oh, is going to save us all this money on the debt that we're paying, interest payments and data I get where both of these guys are coming from. I think the ideal scenario, because Powell, it looks like he's safe until maybe the end of the year. I think we hit that 2% point, definitely by the end of the year, and Powell will start cutting in September, we'll see a 25 that's what I think. I think we'll see a 25 basis point cut in September, maybe a 50 basis point cut in the next meeting after that, and and maybe even a 75 basis point cut in December. And that way, when the new guy comes in, he doesn't have to do this drastic COVID March, 2020, type of cut, of slashing rates close to zero overnight. We do it in a gradual I think that would be better for the country and for the economy and for the global economy. So that's where I see things. But regardless, regardless, we know for a fact that the interest rates, the cutting is beginning soon, and the rates are going to be very low sometime next year, if not by the end of next year, we know for a fact that the rates are going to be very, very low. And what that means for the housing market is that, and let's talk about the housing market really quickly, the inventory in the housing market is the supply side is very high. This is not 2021 2022 when homes are flying off the shelves and people were paying above asking price for homes. We're in a situation where the inventory has piled up. Home values have somewhat stagnated. If rates are going to bottom next year, then buying real estate. I don't want to say I'm not calling a bottom, but I'm saying that you can expect real estate home values to skyrocket once rates hit that 1% because of the Fed funds rate. So right now, we're seeing demand from investors because they're thinking what I'm saying, hey, the Fed is going to slash. We know that for sure because of Trump. And when that happens, institutions, individuals, they're going to start taking out debt, and the housing market's going to skyrocket just like stocks. I mean, really, most assets are going to skyrocket. So right now, I think, is an excellent, excellent time to be looking at buying real estate, and then you can just refinance later, when the rates bottom in a year or two,   Keith Weinhold  32:50   when you talk about high housing supply, I think what you mean is higher housing supply. Nationally, we're still 12% under supplied. It's just the fact that we have 30% more available housing supply in the one to four unit space than we did a year ago. At this time when we're talking about interest rates and things that have to do with the larger economy, here, you the listener should be aware that Naresh has often been tapped and interviewed by major network television on his opinions on these sort of broader economic issues, so he is qualified that way. And to give you an idea with what we're talking about with this desire to get the Fed funds rate down to 1% whether that happens or not, today's Fed funds rate is around 4.3% just to give you an idea of the magnitude of the potential cut, I don't forecast interest rates because it's very difficult to do, but it's interesting that Naresh has done some of that, and let's remember that Trump is actually the one that appointed Jerome Powell back in Trump's first term, and there's been a good bit of speculation around who the next appointee might be. In fact, if that appointee is named several months before Powell's termination of his term in May. Some people think that could be Treasury Secretary Scott Besant, that that alone could change the dynamic, that you would get someone more likely on board to make rate cuts and name them before they actually come into office.   Naresh Vissa  34:14   Well, the President decides he appoints that position, and we know for a fact 100% Trump is only going to put his person in there, man or woman, we don't know, but he's going to put his person. And the basic requirement for the job, it's not a PhD from Harvard or being a multi billionaire like Scott Besant. The basic requirement for the job is cutting the rates to 1% the Fed funds rate to 1% that's the bare minimum basic requirement for the job, and there are apparently lines of people who are lining up because they think they fit that requirement. So we know that's coming. We know it's coming at the latest, next year, like I said, Because Trump said it himself, and to be calling somebody a numbskull and all these names, he's very serious about this. It's an issue that means a lot to him. And again, I get where Trump's coming from. The government would save a lot of money on interest payments. And Trump's justification is, inflation is low, let's just try it, which I somewhat agree with. He says, Let's just try it, and if the inflation goes back up, then you just raise the rates. Don't you know, Powell was too late in 2021 the next guy won't be too late in raising rates this time around if the inflation does go back up. So it's a different strategy that would definitely juice the economy overnight. Of course, he wants that. Everyone's got their own opinions. I'm of the opinion. I think the Fed actually is for the most part. Post 2022 has done a good job. In fact, I did an episode with you, I think, a year and a half ago, saying that the Fed should have done more rate hikes, because we would have been at 2% inflation a year ago had the Fed done one or two more rate hikes, in my opinion. And we saw at the end of Biden's presidency, inflation started going back up when the Fed actually cut rates, when they should have been raising rates previously. So with that being said, this is a good opportunity for investors, because we are in that doldrum right now where we know the rate cuts are coming, at least we, you and I and GRE listeners know that the rate cuts are coming. Not everybody knows that they're coming, because they may not pay attention or follow this stuff as closely as we do. We know that they're coming, and what that means for the housing market is, like I said, juice. We can see juice in stocks. We can see juice and housing. We can see juice and Bitcoin and other commodities.   Keith Weinhold  36:35   Well, you use the word doldrum. Yes, the housing market is in somewhat of a doldrum. We have lower transaction volume than we have historically, for sure, and really that's led by we need to keep in mind as investors, that that's lower owner, occupant purchase volume, because investor purchases have stayed pretty steady.   Naresh Vissa  36:56   Yes, I'll say this, Keith, we work with a lot of different providers all around the country. I want to say we're up to something like 30 different providers in 20 different markets or so. When these partners are calling me saying, Hey, we got all these properties and send me your people and you know, let's do business together and help us find more investors, then I know that the housing market has somewhat stalled. It's not doing terrible, but I know that it's when those providers aren't calling me, or when they even cut off the relationship and say, Hey, I don't want to talk to you anymore. I don't want to work with you anymore. Then I know, hey, it's a really hot housing market. They don't really need me. And I'll tell you right now, every other day I have a partner of ours, I had to tell them to stop call. I said An email will do, or a text message will do. You don't need to call and leave me a bunch of voicemails. I have people calling me every day saying, Hey, we got all these properties, and they're amazing and they're beautiful, and send your people to us, which tells me that it could be actually a good time to start buying. Because it's not like I said, 2021 it's not 2022 it could be a good time right now, because the investor will hold more leverage, and the incentives that these partners are offering are second to none. I've never seen incentives this good. I mean, it's not just the free property management, it's not just the closing cost credit. It's negotiating prices of homes. It's getting cash back at closing, so just literally having a check overnighted to you that's in the five figures, cash back for buying property. So overall, I think it's a really, really good time right now to get into real estate, probably one of the best times, if not the best time since I joined GRE at the end of 2021   Keith Weinhold  38:40   of course, Ken McElroy was just here on the show with us a couple weeks ago, talking about what a good time it is to buy from his perspective as well. But yeah, Naresh, I appreciate that you're kind of letting the listener peek behind the curtain a little bit. We really get a good read on the pulse of the market here, and part of our job is to vet those providers that we work with, yeah, the race. Well, one property strategy that almost transcends eras is the BRRRR strategy. It's such a popular strategy with investors, because you can get in to a deal and have so little of your money left in the deal that you could end up with 10 to one levered. So the burr strategy, that's probably the most popular strategy with our investors. So tell us more about that.   Naresh Vissa  39:27   We've done several webinars already about Bert, and this has become the most popular strategy with our investors, hands down the amount of volume that we're seeing with our investors, people who keep buying more and more because the first one worked out. Now there are some that didn't work out, and that has more to do with the provider than it has to do with the strategy. The strategy is simply buy a property that needs to be completely rehabbed, refurbished. It's you buy a property, as is, you take out a hard money loan to renovate the property, to gut it, to update. It, bring it up to speed. Or you can pay cash. So a lot of people say, Oh, I don't have the cash to pay for such a property. So they're the hard money loan is there. Or you could pay cash. Our recommendation, my recommendation, personally, is take out the hard money loan, because you have that extra layer of protection, that extra body who will make sure that you're not getting taken advantage of, because that's a problem that we've seen with BRRRR, where some of the providers, some of the sellers, they'll sell the property, and then they just disappear after that. And we don't want that to happen. We want the rehab to actually get done, because the real value is by doing the rehab, making the house nice, renting it out to a tenant, and then refinancing the property, because the home value is going to appreciate so much. In some cases, some of our investors got 100% appreciation from what they bought the property at, and they were able to use that equity, 100% of that equity into the down payment, into other fees, so they didn't have to pay anything out of pocket for the property. So that's the beauty of the BRRRR strategy. And like I said, what's most important? Because we've already done two web it. We've done a Memphis burr webinar, we've done a Cleveland burr webinar. Now we're doing a little rock BRRRR webinar, and I think this is the best burr out of all the burs that we've done. And the reason is because the team we're working with, they have a legitimate company operation. They have a property management division, they have a rehab division, they have a sales division, they have a management division. This is not like a one man show or a two person company trying to do all these rehabs all at once. So they're very here's the schedule. This is what we have to do, very accurate and so yes, their pro forma numbers aren't going to be as aggressive as what our investors have seen with previous BRRRR providers. But the problem with those aggressive numbers is that a lot of the providers, they overinflate those numbers, and they don't follow through, let's say, on the rehab, or they do the rehab, and the appraisal does not come back at an amount that met the proforma. So I'm just really excited about this, because Little Rock is a new market that we've entered into. We have not done a lot of Little Rock promotion, a lot of Little Rock property. So it's a new market, number one and number two, it's the team that's there. This is the best of the best team. And if somebody came to me and said, Hey, I want to do a bur. Where should I do it? You've got all these different webinars and podcasts on burrs. Where should I do it? I would say bur Little Rock is where you want to do it, because you're going to sleep way better at night, and the process is going to be way smoother than the others. Yes, the pro forma numbers, they're not going to be as appealing, or they're not going to be as outlandishly high as those other markets, but those other markets, Memphis, Cleveland, there's a reason why those numbers are so high. And like I said, it's this team in Little Rock, amazing team, Keith, I know you've had some calls with them. We interviewed the their head Alex on last week's podcast episode. He and I are going to be doing this upcoming webinar on BRRRR little rock this Thursday, and we hope to see everybody there go to gre webinars.com, gre webinars.com, right now to register for that webinar.   Keith Weinhold  43:14   It's this Thursday, a live event that you can attend from your own home. And the benefit of you attending live is you can have your questions answered in real time. You can hear other attendees questions, which will help educate you on this process. And yes, I don't know if this will ever happen again. We do have Alex leading the bur strategy in Little Rock. He's been doing this for 15 years. He's got his vetted, proven team and a great system for doing this, so that so much of it is all done for you. And   Naresh Vissa  43:47   one more thing that I'll say, because this has become very popular with our online special event attendees, they hear podcast episodes like this, and they say, Hey, I want to jump on this before the live event, because all those other people are going to be on, and I want to jump. So I want to share, or Keith, I'll let you share our link for people to just reach out to me if you want to schedule a meeting or just email me. Just reach out to me if you don't want to wait until the webinar, the online special event this Thursday, if you want to get a head start, please absolutely reach out to me.   Keith Weinhold  44:20   That's a great thought. You can go to GRE investment coach.com right now and get on the race's calendar so that you can have a free meeting. Any last thoughts about Thursday's big event?   Naresh Vissa  44:32   like I said, it's going to be Thursday evening. The time is going to be at 8pm Eastern Time. Thursday, 8pm eastern the webinar, online special event will last about two hours. Our listeners, our followers, love these online events because they're highly interactive. We get everybody involved. They're fun, and the reason why they last two hours is because the people who attend are having such a good time. Them that they want it to last that long. I remember a long time ago when we used to do these online events, and they'd only last 30 or 40 minutes, and then that was the end. But now our file loves them so much. I think if you've never attended one of our online special events, you'll definitely want to attend this, because it is the timing is perfect before all these rate cuts, as the housing supply inventory is at a 12 month high. So the timing is is really good. The incentives are excellent. And like I said, we know interest rates are going to be slashed sometime next year, so you can always refinance later, but but getting in at these prices is going to be a true gift. So gre webinars.com, to register for this online special event.   Keith Weinhold  45:52   We are all looking forward to it this coming Thursday. Narration, it's been great having you back on the show.    Naresh Vissa  45:57   Thanks, Keith.    Keith Weinhold  45:58   Yeah. Fruitful in house chat, as always, with one of our investment coaches, Naresh, that's how you can leave as little as 10% down on an income property. When you do that, cash out refi with the burr strategy, you'll get in at today's lower prices, they tend to be 140 to 160k in Little Rock, Arkansas. You'll lock in this year's rates with that low price, with the BRRRR acronym, meaning buy, renovate, rent, refinance, repeat. Well, that refi is a little ways down the road after your initial purchase. Longer term, if interest rates go up, you'll be glad that you got today's rates. And if interest rates go down, which many expect, then you'll refi. The only thing bigger than the next Fed interest rate decision or the naming of a new Fed chair is Thursday's GRE live event itself, get ready. Really, the event presentation typically takes an hour or less. The rest of the time is your questions and conversations, so show up from the comfort of your own home, maybe with a beverage this Thursday, and since it's in the evening, probably not a stimulant, maybe a yerba mate, besides seeing real life case studies and understanding how the burst strategy works, how to optimize it and the mistakes to avoid, expect access to available Little Rock burr properties, actionable opportunities. Should you so choose? Sign Up Free at gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  47:50   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  48:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  49:30   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Keith discusses the competitive nature of short-term rentals (STRs) and the need for hosts to offer luxury amenities to attract guests. Long time investing pro, Alex, joins us to cover the BRRRR strategy in Little Rock, Arkansas, an investor-advantaged market, emphasizing its low property taxes and stable cash flow. They explain the BRRRR process, including: buying, renovating, renting, refinancing, and repeating.  The strategy allows investors to scale their portfolios with minimal initial capital, offering a 0% management fee in year one and 4% in year two.  Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Show Notes: GetRichEducation.com/561 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, anymore when you own short term rentals like Airbnbs and vrbos, you are in an all out arms race competing to provide amenities like never before. Then what happens when you take the popular burr real estate strategy and overlay it with one of the most investor advantaged markets in all of America. It's a lucrative opportunity. You'll see how and why today on get rich education.    Keith Weinhold  0:32   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows, an A plus rating with the Better Business Bureau, and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know mid south enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  1:58   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  2:14   Welcome to GRE from North Conway, New Hampshire to North port, Florida and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, happy July, the second half of the year. And my favorite month of the year is your Airbnb fancy enough, because anymore STRS short term rentals have gotten so competitive that hosts treat their properties like white lotus level hotels. Now, STRS were never passive, but they become even less so it is active income. Once upon a time, Airbnb hosts could just sort of drop a few colorful throw pillows on their fold out couch and make a killing. But no more those days are so far gone. The STR game has changed drastically. I mean, you used to be able to list a basic home with generic furniture that you got at Costco, minimal amenities, no Wi Fi, and still get it booked, but today, it will sit empty unless you offer more than just a place to sleep. You have to build an experience for Airbnb guests. Now, increasingly, hosts are doing things like adding outdoor kitchens, arcade machines, putting greens, even basketball. And now, though these upgrades do cost a lot up front, they can pay off. These amenity types can double your nightly rate, but they come with more responsibility and more to maintain. I mean, more guests are expecting a flawless experience. The trend is that Airbnbs are becoming full scale hospitality operations, and if you don't treat it like one, you're going to fall behind. So simply having a nice house that just no longer cuts it, running a short term rental today is nothing like it was even two or three years ago. You used to be able to stand out with a decent bed and colorful throw prolos, but now guests are basically comparing your place to boutique hotels. Hosts are deeply investing in design, forward furniture, layered lighting and featuring spaces that some market as what they call moments like cozy reading corners in these luxurious bathroom setups, adding things like welcome guides and even complete brand identities with a proper. Name and even a logo and a story to give the place some personality, even writing up a history for your property, even if it's not that historic. Now, these sorts of tactics, they actually do, seem to work. Guests will give you more bookings, better reviews, and guests even share the space on social media like it's somewhat of a lifestyle destination now sometimes STR hosts, they team with these other platforms to add welcome champagne in ice buckets on site, sommeliers, private chefs, daily, housekeeping on demand. 24/7 textable concierges, heated plunge pools and other amenities through you partnering with some of these platforms and these upgrades don't come cheap. The publication called the playbook, they featured an STR in Sag Harbor, New York, where the property owner invested $85,000 into overhauling the landscaping and adding a James Turrell Inspired LED light installation. But overall, these improvements boost rental revenue by an average of 40% over what the property was collecting previously. All right, so this is a case study now, though, this STR trend of offering deep hospitality and luxury amenities has turned into more of a job and less about passive income. You know, really, this is free market capitalism, because this is competition to see who can provide the best service at the lowest price, but that's what it is. So this is making real estate less of a good and more of a service. Short term rentals soaring supply, day rate compression and AI driven pricing tools. That means that the just this all nice house with good photos thing that no longer cuts it. It is an amenities arms race now, and of course, this is a national trend. It doesn't mean that it's happening absolutely everywhere. In some places, hosts are able to charm guests simply with something like a freshly baked loaf of banana bread, but the consensus is whether they spend a little or a lot, Airbnb hosts unanimously say that they've got to work harder in order to keep guests happy. It's become more of a business and less of a side hustle than it used to be. You've got more hosts leaning into higher upfront investments because they know guests will pay for a sort of turnkey, Instagrammable experience. And this really is a classic early adopter issue, just like a lot of things, Airbnb launched in 2007 by the way, so this sort of first wave of Airbnb hosts back around 2012 to 2015 they were riding a blue ocean back then. There was virtually no competition. There weren't any standards, and there were plenty of bookings, and that made a lot of hosts pretty fat and happy. But that's not where we are now, really. The bottom line is that in many markets, short term rentals have transitioned from partial passivity to all out hospitality. That's the Airbnb arms race. The average Airbnb nightly rate for North America. Do you care to venture a guess at the average nightly rate? It is approximately $216 per night, and that right there is up 26% from 2020 so it is not up as much as house prices over that five year period from 2020 really, the Airbnb rate is up about as much as the long term rental rate.    Keith Weinhold  8:58   While we're talking numbers a quarter recently ended. Let's hit on our asset class rundown. What's happened to home prices in the past year? Well, when you aggregate all these sources, Zillow, Freddie, Mac case, Shiller, FHFA, in totality, home prices are up 2% single family rents are up 3% apartment rates are down 1% due to their oversupply. The 30 year mortgage rate was 6.9% a year ago, and it's 6.8 now. CPI inflation is 2.4% expressed in year to date terms. Now the SP5 100 is up 5% in the first half of this year, ending near 6200 the dollar is down. That means that it takes more of them to buy gold, which is over $3,300 an ounce, gold is up 27% just from the start of this year, and the oil price is still depressed in the 60s. Per dollar for a barrel, Bitcoin still strong, ending the quarter at 106kthat's your asset class rundown, which we do about quarterly.    Keith Weinhold  9:57   Hey, I really enjoyed meetingside. Of you on this year's terrific real estate guys Investor Summit at sea was concluded about a week ago. It was two days on land in Miami, followed by a week of conferences and fun aboard a Caribbean cruise ship. I really got to meet you and get to know you, because we had nine days together, and as one of the faculty members, I hosted a table at dinner every night, and each night the attendees rotated around to my table, so I got to meet a lot of you and really get to know you, and you got to know me. Yeah, it was as interesting for me to meet you in person, perhaps, as it was for you to meet me, because I like to hear what you're doing in real estate, investing, in everything else. I gave a main stage presentation that was almost an hour of all me, all GRE and also served on five different panel discussions. Oh, it's such a unique event. Get this, I was kind of dressed up to give my main stage presentation, which so many of you, by the way, told me afterwards, that that was your favorite presentation of them all, all week long, because each faculty member made a main stage presentation. But what I want to tell you is, just a few hours after I presented, on the cruise ship, I was shirtless in the water throwing a football around at the beach in St Thomas Virgin Islands. What an event. Fantastic to meet a number of you in person. So far today, I hope what I've shared with you has been informative. Next. It's something informative and really actionable that you can make lucrative that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  11:45   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Russell Gray  12:16   You know what's crazy your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Russell Gray  13:30   Hi. This is Russell Gray, co host of real estate guys radio show, and you're listening to get rich education with Keith Weinhold, don't quit your Daydream. You Keith,   Keith Weinhold  13:38   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking to a guest not only about an investor advantaged market, but when you overlay a certain strategy with it, this can be highly lucrative for investor returns, and we're with a long time investing pro Alex, welcome onto the show.    Alex Craig  14:04   Hi Keith, thank you.    Keith Weinhold  14:05   Well talking about top US cashflowing market, let's get right to it. Tell us about yours.   Alex Craig  14:11   Little Rock, Arkansas. It's a market that we've been in since 2012. I personally invest there. I've got about 75 doors of multi family, single family. And the reason why it works is just cash flow. Over the years, we've had investors from around the country that have owned portfolios where maybe they're somewhere in Phoenix or Dallas, where they're kind of speculating. This is not a speculation market, and that's why it works for myself. It's consistent. It's very linear, and linear is a word that we use a lot to describe. And if you're going to be a cash flow investor, and that's why I'm in it, it's you want a linear market. You don't want ups or downs, and then you want to make sure it's a growing market too. And Little Rock checks all the boxes of what you would want in a stable cash flow environment market.   Keith Weinhold  14:57   And I think a lot of our investor listeners are. Already pretty keen on that. You get a high ratio of rent income to purchase price. You have laws that heavily favor landlords over tenants. But Alex, in today's environment, people are more conscious about rising operating expenses and higher mortgage expenses, and that's really one advantage that Arkansas can give right now, is with those low property taxes   Alex Craig  15:20   Keith,it's so interesting you mentioned that because I did have a conversation with a client of ours that had a property in another market that he had mentioned how his property taxes had gone up and gone up substantially, which that's to expect. I mean, after COVID, there was a lot of markets saw a huge boost, especially with markets that saw hedge funds come in. Hedge Funds, I believe, ruined a lot of markets, raised the prices. And another reason I like Little Rock, it flies under the radar. You think is Little Rock is a small market, but it's really not. It's, I mean, the population of the city is 250,000 but the metro area, which is a 50 mile radius around Little Rock, is much bigger. And the entire, not only the entire market, metro area, feeds off little rock, really, the entire state does too. But that being said, because it's floating under the radar, the property tax have remained low. They've taken a little bit of bump over the years, because the values steadily go up, but they started low anyway. So with operating costs of insurance, insurance has gone up for a lot of for my own properties in other markets, it's going up, and it's going up in Little Rock too. I mean, it's just the name of insurance, but property taxes have remained low. They've always been low, and that's really a big help as to why this market works for us.   Keith Weinhold  16:30   Talking about flying under the radar, you're talking about, therefore evading a lot of that hedge fund money. Tell us more about the market and some of those anchors and drivers.   Alex Craig  16:40   It's a blue collar town. You've got logistics. Is a market, or is a segment of the industry that has really come on strong over the last few years, Amazon has really put a footprint in the market. Healthcare is a huge, huge market, like I mentioned earlier, not only does the region feed off the direct to the entire state, it's the hub of healthcare for the entire state of Arkansas, of course, it's government. Government provides a lot of jobs. The good thing about government jobs is they're maybe not on a national level anymore, but on a local, state level, they're very it's hard to get let go from a government job, unless now, not on a federal level, but it's very steady, so a lot of steady blue collar jobs, and that's what you want for a strong resident base, especially in the type of properties and 1000 to $1,200 price range, you want those blue collar study growing jobs.   Keith Weinhold  17:31   Yes, you do have those there. It's funny. I'm smiling a bit because I used to be a state government employee, and there's just no way that they ever would have fired me. I was so protective I had to quit in order for them to have to replace me at that job. I'm wondering about the new supply that's come on, Alex, because a number of markets have added supply. I know, for example, that Redfin reports that little rock median home price appreciation is up 7.3% year over year, and with the dynamics going on in the market recently, that typically tells us that there hasn't been that much new supply added. Is that what's going on there?   Alex Craig  18:11   No, there hasn't been a lot of new supply. I just think with little rock and every other market, the mortgage rates have gone up. Home ownership is down during COVID. It was really hard to get an investment property. For what we did, sending out our list every week. It was basically send out our properties, people hitting send and not even knowing what they were reserving. Rates were just low, right? Everybody's jumping in. It was hard to get inventory. So now what we have is, you know, higher rates that scares some people off. It pushes some people out on the market, but it also creates opportunity. I feel like this is the easiest time I've been investing in real estate since 2007 that was the foreclosure crisis, Great Recession, and it was a lot of foreclosures on the market, and that's how I built a big chunk of my portfolio. But now it's just a matter of there's not as many people in it. So for us, there's just more acquisitions for us to go out and get. There's still distressed homes on the market where individuals don't want to hire a realtor, they just want all cash offers. They're ready to get rid of them, and that's where we step in. And without as much competition like I said, we kind of fly under the radar. I feel it creates more just supply inventory for us and for me as an investor, but also for our clients too   Keith Weinhold  19:23   with that in mind, and again, a lot of our audience is already on board, knowing that little rock in Arkansas is a good cash flow market with stable, long term fundamentals, but in order to make it more profitable, you've overlaid it with a certain strategy there in Little Rock. Tell us about that.    Alex Craig  19:45   So the BRRRR strategy, yes, it's able to work now because there's not as many buyers in the market. So basically, the way the burrs strategy works is we acquire a property. I'm just going to use very round, simple numbers for simple math makes it easier on me   Keith Weinhold  19:58   and we're talking the BRRRR. Strategy that's buy, renovate, rent, refinance, and repeat. Those are the five investor steps.   Alex Craig  20:07   correct. And so that's what we do, is we buy. Let's just say the B. Let's take the B, for example, we buy a home, and we buy it for 60,000 where I'm just talking like if I own the home, and then I put $20,000 into the deal. So now I'm all into it for 80,000 and you have to remember, there's some in between, cost of closing costs. I'm just talking just very general strategy. You buy it for 60, you put 20 into it, and all of a sudden you're in it for 80, and the value comes back at 100 so you're in it for 80% of the after repair value. Most Fannie Mae lenders will do 75% so if you purchase a house outright, you put 20% down, but if you are doing a refinance, you're able they'll do it at 75% so instead of buying a home and putting it down payment upfront, you're using equity in the deal. And that's what the burst strategy is, buy renovate. So we buy it, we renovate it, we refinance it, we rent it out, and then you repeat it. So it allows for investors to scale their portfolios quicker and stretch their money a little bit further. So if you've got, I've got $50,000 and I want to invest in real estate, if you purchase a home, you're bound by the down payment. Once you put that down payment, it's, I wouldn't call it sunk cost, but that money's gone for reinvesting. The burr model allows you to stretch that money a little bit further. Now, like I said, I gave pretty basic numbers to the deal, but that's what you're going for. Some equity in the deal, and that's what we're able to provide for ourselves and for our clients.   Keith Weinhold  21:38   So let's review that numbers on a little rock burp, making a $60,000 purchase with a pre renovated property. Then the investor puts another 20k into it for the renovation. So now they're all in for 80k and they get a 100k appraisal on that property, and then they can borrow, say, 75% of that there, that is the refi portion, the fourth letter of the BRRRR acronym. So therefore they've got 80k into it, and they got 75k back, meaning they would only have 5k into it, but maybe another 5k for closing costs, and now they only have 10k in to a 100k property. That's the appeal. That's what we're talking about here with the BRRRR   Alex Craig  22:22   strategy. I mean, you're exactly right. And as I mentioned, I use some really basic numbers, because when you're using, you know, 100,060 and 20 makes them very basic. It's pretty hard to find out a deal worth 100,000 these days, even when we started in the industry, 100,000 was a pretty cheap after pair value. Probably the mean value of the homes that we're dealing in is probably about 140 to 140 to 160 but same principle, based on those same logic that what we just talked about, I wouldn't say, you know, five or 10k out of pocket, but if you're talking about purchasing a deal with 25% down versus doing a bur you're probably going to be in it at 15% Out of pocket costs 10 to 15% as opposed to putting a down payment of 25% but the big thing is, you're getting money back, and you're not putting as much so just it's great for scale. I don't know if you'll talk about DSCR lending very much on your show, but that's something that a lot of our clients, and that does 80% so we have a lot of clients going that route now too.   Keith Weinhold  23:21   Okay, so you could do 80% with debt service coverage ratio loans, but to drop back in our example, to help be clear, the investor has 80k of their own skin in the game into the property, 60k for the purchase, 20k for the renovation, even though they only have 80k in it appraises for 100k that ARV, that after repair value. Why is the after repair value 100k when you only have 80k into it? Why is it more?   Alex Craig  23:49   that's based off comparable sales? So when you're in it at 80, and you're going to refinance it through a lender, they're going to send an appraiser out, and appraiser is going to pull comparable sales within that neighborhood. So just because you're in an 80 the appraiser is going to go pull three comps, very similar to that home. So if we're selling a three bedroom one bath, they're going to pull three comps at a three bedroom one bath, relatively the same size look, if it's got a carport, they're going to try to find three houses with the carport. So in theory, that's what they're doing. They're pulling comparable sales and developing new value based on recent sales.   Keith Weinhold  24:23   So it's that you have this knowledge to buy in neighborhoods and buy in certain sub markets, where, when you know that capital is added and renovations are made and a rehab period that they do tend to appraise for that value based on the comparables that are already there.   Alex Craig  24:40   Yeah. I mean, if we were to take the same house at 60,000 and didn't do any work, he would then say, well, you've got some comparables here versus 100 but you could never sell this home for 100 these are the things you have to do, and that's what we do during the first R the renovate of the acronym is to renovate the home to the condition that the. Appraisers feel that are comparable for the neighborhood, and that's a real important part, is comparable to the neighborhood. We could go in and put in a Jacuzzi tub and grain of countertops. We actually, we do put a lot of grain in, because we get it so cheap. But you could go in and fix it up to the nines, but it's not going to appraise for any more than the others, because the appraiser would say, we over improved it. So we improve it to what we know, what the kind of the standard for the neighborhood? Because you could over improve these things for sure and not get that return on that investment.   Keith Weinhold  25:28   That is a great answer. There is a specific improvement target that you know that needs to be hit. Tell us more about this burr process, because to an out of area investor, it can sound pretty intimidating if they had to manage contractors remotely themselves,   Alex Craig  25:43   there definitely is a need to have a team on the ground that you trust, that you feel comfortable with, and that's what we've done. I've been doing it in multiple markets for myself since 2007 and we built into a business model in 2010 like I said, expanded Little Rock in 2012 and we've been doing this for 15 years now for other investors. So we've got that name and that reputation of taking care of our investors, that's the important part. And we do see a lot of investors get burned, because you can find a realtor to go to help you find deals, but usually the realtor relationship is thesis to end. It's okay, I found you a deal, but then there's so many other things afterwards, and the renovations, where I see so many people get burned, and you know, we manage approximately 1200 homes between two markets, and that's where I see when property owners come to us, they've been burned the most. It's like they've paid somebody $50,000 they didn't finish the job, they didn't do what they say they're going to do. So the renovation that we're the team on the ground, we've got a in House Project Manager, we've got a network of subcontractors. We tend to act as the contractor, subbing things out. We've got in house property management. We've got all the tools, but it's really between both. In the markets in which I operate. I've got about 30 employees within property management, renovations, acquisitions, so the team on the ground is and then the back in the property management part is the long, ongoing accountability. So if something doesn't work out, that's the way we said it. If we say it's going to rent for 1200 and we rent it out for 900 Well, we really got a big egg on our face. You do a few of those, and that's how you don't stay in business anymore. And there's, and I like to say, about every five years the market corrects itself into getting the wrong players out of the business. COVID was super easy, easy to find deals, easy to sell deals. But once the market changed and it became a little more competitive and rates rose, that's the people that have been around for the long time, been in it for the long haul, that stick around. They've got the established business model and their reputation. So every five years, a good correction in the market eliminates those bad players.   Keith Weinhold  27:47   So you have this vetted, proven in play system that investors can get into besides just identifying the property, it comes with that system, those contractors or that investor just has one point of contact with you there for updates on the renovation.   Alex Craig  28:03   Yeah. I mean, I feel like we know these neighborhoods. I like I feel we know these neighborhoods like the back of our hand. We've been investing in them for a decade plus, and we know the areas you want to be in, the areas you don't want to be in. And we have a lot of investors will call us either they already own the property or they're a current client, and they'll say, Hey, I could get this deal for 30,000 and it's worth 100 and I'm like, Well, that sounds too good to be true, especially if it's on the open market. If it was that good of a deal, it's already gone. We just know the market, where to be. We know what to pay. We could, pretty much just through our experience, identify a house we know probably within about five to 10% before we even dive into comparable sales of what it's worth. We could walk through a house within probably about three to five minutes and peg the renovation costs probably within about 10% now we still order an inspection, and that's where we uncover the things that we can't see, that maybe there's a bunch of rotted out joist or a foundation problem that we didn't see. So, but there's things aside we could walk through and we pretty much know, okay, it needs a roof that's 7000 it needs an air conditioner that's six flooring, two. So that's the expertise that we bring and like. So then the management part of it, on the back end, that kind of ties it all together with accountability.   Keith Weinhold  29:22   And I know that your typical project renovation cost tends to be about 25k just for simplicity, we use 20k in that example, and your completion times are shorter than others that have inexperienced crews. So tell us about that typical renovation time. Alex.   Alex Craig  29:39   every day we're accomplishing 500 so 25,000 divided by 500 comes to 50 days, 50 days. So we'll knock that out in about 50 days. And we just have a large network of subcontractors that we've been working with for years. If you weren't in the business, I think that'd be really hard to accomplish, and there's just a lot that. Goes into it. I mean, the renovating the homes, it's the once, it's the worst, it's the hardest thing that we do. For sure, it's definitely the most scheduling, but it's where, if you don't know what you're doing, a great deal turns into, how do I get out of this?   Keith Weinhold  30:15   Right, absolutely. Now, in our example, we used where an investor puts 60k into it for the purchase to start with, because I see the burst strategy is a good strategy. If someone doesn't have a lot of capital, like they would for maybe a new build property, can one even finance that initial purchase amount?   Alex Craig  30:35   Yeah, so private lending. So that's the part that makes if you've only got 50 grand to facilitate this entire process, and you want to try to repeat it as many times as you can. 50,000 would not be enough just to pay cash. So yes, we have private lending. We set that up. Sometimes we lend it ourselves. Sometimes we outsource it to some of our strategic partners, but we'll lend the money to buy and renovate the home. A typical what that loan would look like it's about 3.3 points of loan origination. So if you've got an $80,000 loan, that's $2,400 most lenders do require for you to bring that up front, and now you're in it for an $80,000 loan at 12% which, five years ago, that sounded crazy to borrow at 12% but with for private lending, that's not bad at all, especially you want to get in and out of it quickly. So if we're renovating the home, and you know, 50 days, if you're already pre approved with your lender, and they have all your documents by the time we finish renovating the home, the appraisals lined up, and you could be in and out of these private loans in about 90 days. That love that depends on the lending side, that you're giving the lender what they need. But ideally you want to be in these things about 90 to 120 days. So $80,000 loan at 12% that $800 a month. So if you're in it for 90 days, 800 times 320, 700 plus the loan origination fee. But that's how you do it. That's the you're just borrowing money to finance the acquisition, the rehab and the refinance   Keith Weinhold  32:03   that is an option for you if you don't have the cash here to come in with these burr strategy properties. Alex, tell us more about it. Really, what I would like to know is, when an investor gets their appraisal, their after repair value, how many want to sell it for a profit, and how many want to hold it with a tenant for long term income   Alex Craig  32:26   so far, zero. Want to sell it for a profit. If you're all in it for add and then you're selling for 100 once you sell it, there are other fees involved. You got to hire a realtor. Right now is a great time to hold it's a slow real estate market. I don't think Little Rock from an aspect, is where home ownership is down. I think that's a nationwide thing. So I think if you're going into this, you certainly want to look at it from perspective. This is a buy and hold. I don't think this is the best market to get into to buy something. Flip it with a in the example, we use a $20,000 margin with buyer concessions, realtor commissions. That's a lot of work involved. And let's just say it did work out. You sold it for 100 but you had to pay 2% closing in an agent fee, and you got some holding cost. Let's just say you netted 8000 that might be good for a six month return, but I feel like there's a lot of risk. I feel like our job as what we do for our clients, is to minimize risk. So someone came and said, Hey, I want to flip it. I would say, Well, I don't think it's the best market for it right now. I think you want to get into this buy and hold.   Keith Weinhold  33:29   Yes, Alex has been doing this for a long time, and he's a specific expert right there in that local market. Buy and hold is a strategy that most likely makes sense. And he also strongly recommends pay cash if possible, instead of using that 12% short term private lending option, like he mentioned before, because that can cut out about four to 5k worth of transactional cost. And then if you do buy and hold what Alex and his company offer there in Little Rock is essentially a cash flow boost, 0% management fee in year one and only 4% in year two. So that gives you some extra cash flow runway as well. And Alex, before I ask you if you have any last thoughts, I want to announce to you the audience, that we have a live event virtually next week, on July 17, at 8pm eastern for Little Rock BRRRRproperties that Alex is CO hosting with our investment coach, Naresh, where you can find these bird deals in this cash flowing market. In Little Rock you'll see actual bird deals recently completed with full breakdowns of their purchase prices, sort of these case studies, where you can see some real numbers and what the rehab budgets are and what the actual timelines were, and what the refi outcomes were like, and explore BRRRR ready properties that are currently available to own, if you so choose, on this upcoming live event that you can attend from the comfort of your own home. Learn the full process, from acquisition to renovation to property management to the financing of them, and again, everything is all handled by local experts, so that you don't have to live with the nightmare of remotely managing contractors, which I couldn't imagine doing. So whether you're a first time investor or you're scaling your portfolio, this is your chance to get boots on the ground, insight and a proven road map to burr success and really one of the most accessible markets in the country. Again, Alex here is CO hosting the event along with GRE investment coach, Naresh Vissa. It is a free, live virtual event again next week, Thursday, July 17, at 8pm Eastern. Sign up is open now at gre webinars.com it ought to be great. Alex, teaming with local experts like you has been of real benefit to our audience. Do you have any last thoughts about either Little Rock or burrs or the events that you're going to co host with our audience next week?   Alex Craig  35:57   So here's my last thought, as you were, you know, kind of concluding and I was reviewing what we had talked about. And one of the questions we get sometimes it's a fair question. It's like, well, if this is such a great deal, why don't you keep all the deals? So we hear that from time to time, and the simple answer is, we do. We do keep a lot of deals, and we're buying more real estate now, like I said, I feel like it's the easiest time to get into real estate. So we do, we do keep a lot. We're building a very large portfolio right now, but the house flipping to investors is just another business model that we have. And Property Management too. And we love property management, and we love building investor relationships. We've had a lot of investors we've had been with us since day one that we've developed really tight relationships with. So yes, we do keep a lot of the properties, and we sell properties too, and we and helps us build our management company, which you don't hear too many people say this, but we actually love property management. That's a hard thing to love, but we actually like it.   Keith Weinhold  36:54   That is more weird than Tom wheelwright loving taxes, perhaps, but Right. But I want to deal with somebody that really loves what they're doing, especially when they're protecting our asset and probably more importantly, when it comes to property management, protecting our time. So that's right, Alex, well, our viewers and listeners are really looking forward to it next week, again, that live event Thursday, July 17, at 8pm Eastern is something that you can sign up for now at grewebinars.com. Alex, we're looking forward to it next week.   Alex Craig  37:27   Bye, Keith, thank you.   Keith Weinhold  37:34   Oh yeah. Terrific overview on why the burr strategy can be so profitable. And our event next week. Now, when you rent your primary residence, which you would typically do in a high cost area, and then you own rental property elsewhere, typically a low cost area, do you know what that's called? Yeah, there is a name for that. Last week we spoke to two listener guests in California that are doing just that. That is called rentvesting. And yes, Little Rock is surely a popular low cost market for rentvesting. I have been on the ground myself in Little Rock with Alex's associate to do an on the ground tour of properties. There you want to tap into a system where you've got the guiding hand of both experience and belief. That's what you're doing here. As like he said, Alex personally owns 75 doors there. That is belief, and he's been doing this for out of area investors for 15 years. That's the experience part real proof of concept at next week's event, you'll be introduced to this same system where you can lean on their team for acquisition, renovation and management. Little Rock has an MSA population of about 770,000 but I think more importantly today, savvy investors are conscientious of keeping their expenses down, and for good reason, since they've been up all over the place. Now, the purchase price is 140 to 160k for these BRRRR optimized single family rentals. Remember that we used 100k just for ease of an example there, usually when you buy income property, you're really in at close to 25% of the purchase price when you add up the down payment and closing costs, but this way, you're in for just about half of that at 10 to 15% another low expense is that property tax, statewide, Arkansas Property Tax is just 610 of 1% so that's half the national average. And then your management expense is definitely going to be low for the first two years, because it is 0% in year one and 4% in year two. And these are properties that you can actually be pretty proud of. You'll learn more about this. Scope of work with a renovation on the webinar, often granite countertops in the kitchen is a live, remote event. So this means that you can have any of your questions answered in real time. Should you have them? As you can imagine, demand is high for these properties, and this is a chance to get connected directly with the team that makes it happen. We might never get Alex on an event like this again, and is co hosted with our GRE investment coach, Naresh. It's next week. It's free, Thursday, July 17, at 8pm Eastern, 5pm Pacific. Sign up now, or your future self might not be able to forgive yourself. You can do that now at grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:19   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  42:35   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

We can't shield our kids from everything—but we can prepare them. In today's episode, Karen answers your questions about navigating tricky situations that stem from outside influences. From toddlers to teens, the answer isn't control—it's conversation. Listen and learn why awkward talks now might be the most powerful gift you can give your kids!Episode Recap:3:39 - My preschooler is coming home using potty words, how do I address it? 5:41 - My neighbors' kids are obnoxious and I don't want my kids around them…9:46 - My teenager's friend (the son of a friend of mine) uses foul language in his texting, should I address it with her? 13:34 - How do I balance our family values and God's command to think about praiseworthy things with my daughter's taste in popular music that isn't God-honoring?20:05 - These conversations are awkward and hard but if we don't teach our children, who will?Scripture for Reflection: Deuteronomy 6:6–7 (NIV)“These commandments that I give you today are to be on your hearts. Impress them on your children. Talk about them when you sit at home and when you walk along the road, when you lie down and when you get up.”Questions for Discussion:When have you had to address a peer-related influence or issue with your child? How did it go?Are there any boundaries you need to reinforce in your home—around language, media, or friendships?How can you create a safe environment for your child to be honest with you about what they're seeing and hearing?What makes it hard for you to have uncomfortable conversations with your kids—and what truth from Scripture gives you courage?Resources:Register today for Peace for the Anxious Mom: https://boaw.teachable.com/p/peace-for-the-anxious-momSign up for Soar at Sea: https://www.soaratsea.com

In this episode, I'm sharing something really personal—and honestly, deeply relevant to anyone navigating growth as a business owner. As I travel this summer for my son's lacrosse season, I've found myself feeling that familiar entrepreneurial anxiety…the kind that creeps in when you're away from your business and wondering if things are still running smoothly without you. This season has forced me to take a closer look at how I lead, how I protect my energy, and what I'm actually saying yes to in my day-to-day. I'm talking about more than just time management—it's about energetic alignment and intentional leadership. Inside this episode, I dive into: Why psychological safety is the key to high-performing teams The truth behind “no one can do it like me” How to spot the 10–20% of your work that actually energizes you Why defining your own leadership philosophy changes everything If you've ever felt overwhelmed by your business or disconnected from your vision, I hope this episode feels like a breath of fresh air—and a nudge to lead in a way that truly supports the life you're building. Resources → Register for the Happy Hour Masterclass Bundle → Join the Fierce Factor Society → Follow Kaeli on Instagram: @kaeli.lindholm Additional Ways to Connect: Book a Discovery Call: Ready to scale with intention? Let's map out your next strategic move. Subscribe to The Blueprint: Weekly insights for founders building magnetic, trusted, and wildly profitable brands. Let's dig in together. KLC Consulting Website Kaeli on LinkedIn

In this insightful episode, Dr. Jake Porter shares his expertise on sex addiction and betrayal trauma through the powerful lens of the theme Anchored in Hope. Drawing from neuroscience, attachment theory, and spiritual truth, Dr. Jake unpacks how understanding the brain's role in addiction and trauma can offer a renewed sense of hope to those feeling stuck in cycles of pain. He explores how couples can begin to rebuild trust after betrayal, and how healing attachment wounds leads to healthier, more secure relationships. Dr. Jake emphasizes the importance of integrating psychology, spirituality, and neuroscience for a holistic recovery journey. With practical steps and compassionate wisdom, he offers guidance for individuals and couples working to restore emotional and relational health. Whether you're in recovery, supporting someone who is, or simply seeking deeper understanding, this conversation is rich with hope. Dr. Jake also shares why the Pure Desire Summit is a must-attend for anyone pursuing lasting healing and freedom.Resources:Register for Summit 2025 HereDr. Porter's Website Dr. Porter's Organization GET STARTEDFree eBook: 7 Keys To Understanding Betrayal TraumaFree eBook: 5 Steps to Freedom From PornSchedule Your Free 15-Minute Counseling ConsultationJoin A Pure Desire Online Group SOCIALSFollow us on FacebookFollow us on InstagramFollow us on X (Twitter)

In this bonus replay episode, I'm diving into one of the most misunderstood—and let's be honest, most avoided—topics in business: employee compensation. If you've ever felt unsure about how to pay your team fairly while still growing your business sustainably, this episode is for you. I'm sharing why compensation is about so much more than just money, and how to position your business as a place where top talent wants to work—not just a paycheck. You'll hear my five best practices for building strategic, scalable compensation plans, and why it's so important to think beyond just a pay rate. I'll walk you through how to craft a full compensation package, and why slow, intentional hiring always outperforms overpaying in desperation. Whether you're bringing on your first team member or reevaluating your current structure, this episode will give you the clarity and confidence to approach compensation in a way that actually supports your business growth. Ready to refine your voice and lead with authority?Join us June 17–19 for the Brand Authority Bootcamp, a 3-day immersive workshop designed to help founders like you align your message with the caliber of your work. The bootcamp is free for members of the Fierce Factor Society—our private community for aesthetics and wellness leaders building with clarity, conviction, and real strategy.

In this heart-opening episode, Coach LeAnne Parsons takes us deep into the hidden ways insecurity can shape — and sabotage — our identity in Christ. With wisdom, compassion, and biblical clarity, she gently exposes how fear, shame, and striving disguise themselves as humility or responsibility, keeping women stuck in small stories that God never wrote. This episode is a powerful primer for LV and Cos Moving Beyond Insecurity Challenge Week, and it offers a blend of practical insight, Scripture-rich truth, and spiritual invitation to trade fear for freedom — starting now. Whether you're confident in your calling or still wrestling with worthiness, this episode will remind you: You are already His. And that changes everything.

This week on the Fierce Factor Podcast, Strategic Growth Advisor Krista Donargo steps in with a powerful episode inspired by her time on stage at the Cult Conference in Nashville. If you've ever found yourself second-guessing how to talk about your business—or leaning on generic industry phrases that don't reflect the real depth of your work—this episode is your permission slip to do things differently. Krista explores the messaging gap we see at every stage of growth—yes, even in seven-figure practices—and why even the most brilliant founders struggle to articulate their value with confidence. In this episode, Krista shares: Why your voice is your most underused growth strategy How to close the gap between your expertise and your communication A three-part framework to sharpen your message and amplify trust This episode is all about finding language that fully reflects the power of what you've built—and learning how to share it in a way that lands. Ready to refine your voice and lead with authority?Join us June 17–19 for the Brand Authority Bootcamp, a 3-day immersive workshop designed to help founders like you align your message with the caliber of your work. The bootcamp is free for members of the Fierce Factor Society—our private community for aesthetics and wellness leaders building with clarity, conviction, and real strategy.

From dentist visits to bedtime clinginess, today's conversation is all about helping kids face fear with confidence. Karen answers your questions about navigating anxiety, new experiences, and tough transitions. With practical ideas and plenty of encouragement, this episode will equip you to walk with your child through fear and toward courage.Episode Recap:2:05 - Emily is more than halfway through her pregnancy6:50 - How can I help my 3.5 year old face the dentist without a meltdown?10:12 - My outgoing, bubbly 5 year old becomes totally silent at school - what do I do? 12:00 - After an active shooter drill, my daughter is terrified to go to school16:00 - My child is overly attached to me, how can I help her gain independence? Scripture for Reflection: Isaiah 41:10 (NIV)So do not fear, for I am with you; do not be dismayed, for I am your God.”Questions for Discussion:What does fear look like in your child's behavior—and how do you usually respond?What are some situations where you've helped your child face their fear with confidence?How can you point your child to God when they're anxious or afraid?Are there any bedtime or transition routines that could use a reset in your home?Resources:Register for Soar at Sea today: https://www.soaratsea.comGet Sissy Goff's book, Braver, Stronger, Smarter:  https://amzn.to/3SQWHvNPick up Raising Worry-Free Girls this week: https://amzn.to/4dBRXnFDownload the BOAW app to send us your questions!