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Summer is a perfect time to help our kids learn to look beyond themselves. In this episode, Karen and Emily share simple, practical ways families can serve together, whether that's visiting a nursing home, helping with food recovery, serving on a mission trip, or just paying attention to the needs around you. We hope this conversation encourages you to start small, think intentionally, and discover how serving others can grow your family's faith this summer!Episode Recap:Snack time strategies for summer (2:00)Serving with your kids can feel daunting (3:52)Start small wherever you are (5:36)Organizations like Lighthouse have opportunities for your whole family (13:17)When you open your eyes, you'll start to see opportunities everywhere (15:55)Pray and ask God to show you ways to give back with your kids this summer (18:00)Scripture: Philippians 2:3–4 (NIV) "Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others."Discussion Questions: What opportunities already exist in your community for your family to serve together?What keeps your family from serving more often, and what's one small step you could take this summer?Karen talks about how serving helps us get outside our own "bubble." Where might God be inviting your family to lift your eyes beyond your bubble this summer?Resources:Register for the SOAR Conference today. Second Helpings AtlantaLighthouse Family RetreatsBecome a WT+ Insider today! boaw.mom/insiderWant More of This Conversation?During Wire Talk+, Karen shares a personal story about taking Abby on a mission trip to China when she was just 9 years old - you never know how God is going to use your kids in service!  Head HERE and join us for the full conversation.

When is schoolwork really finished? If your child refuses the last five math problems, drags through copywork, or resists the assignment you carefully planned, the issue may not be laziness or defiance. It may have meaning.In this episode, we rethink what completion really means in homeschool. We explore intrinsic motivation, rote practice, sensory needs, Charlotte Mason's wisdom, gaming “grind,” and the parent's role as coach rather than taskmaster. We also talk about how to document learning without turning home into school.Join us as we trade arbitrary finish lines for meaningful progress.Resources:Register for the Brave Writer Book Reveal on June 1st and 2nd – our biggest event of the year!Sign up for our free training webinars in June. It's professional development for parent educators!Find our favorite readalouds and nonfiction in the Brave Writer Book ShopBrave Writer class registration is open for summer classes!Visit Julie's Substack to find her special podcast for kids (and a lot more!) Purchase Julie's new book, Help! My Kid Hates WritingFind community at the Brave Learner Home Learn more about the Brave Writer Literature & Mechanics programsStart a free trial of CTCmath.com to try the math program that's sure to grab and keep your child's attentionSubscribe to Julie's Substack newsletters, Brave Learning with Julie Bogart and Julie Off Topic, and Melissa's Catalog of EnthusiasmsSign up for our Text Message Pod Ring to get podcast updates and more!Send us podcast topic ideas by texting us: +1 (833) 947-3684Interested in advertising with us? Reach out to media@bravewriter.comConnect with Julie:Instagram: @juliebravewriterThreads: @juliebravewriterBluesky: @bravewriter.comFacebook: facebook.com/bravewriterConnect with Melissa:Website: melissawiley.comSubstack: melissawiley.substack.comInstagram: @melissawileybooksBluesky: @melissawiley.bsky.socialProduced by NOVA

As we wrap up our Mothers of the Bible series, we're looking at one of the most complicated and heartbreaking stories in Scripture: Bathsheba. Her life was marked by loss, pain, shame, and circumstances she never would have chosen, yet God was still at work redeeming her story. In this episode, Karen and Emily talk about how our worst moments do not define us, how God meets us in brokenness, and why it's never too late for redemption.Episode Recap:Soar is coming up in September - join us and see Karen live! (4:00)What we know of Bathsheba's story begins with David's lust (6:54)Bathsheba becomes the mother of Solomon (11:12)Bathsheba was not in control of what was happening to her (12:35)God is in the business of redemption (14:00)Our worst days or seasons do not define our identity (16:00)No one is too far gone for God to use in His story (18:19)Do not let Satan convince you that you are unworthy (19:20)Scripture: Matthew 1:6 (NIV) “David was the father of Solomon, whose mother had been Uriah's wife…”Discussion Questions: Have you ever felt defined by a mistake or painful season in your life?What parts of Bathsheba's story stand out to you the most, why?Is there an area of your life where you struggle to believe God can bring redemption?What does it practically look like to separate your identity from your past?Resources:Register for the SOAR Conference today. Snag How to Teach Your Kids the Bible and work through it with your kids this summer! Become a WT+ Insider today! boaw.mom/insiderWant More of This Conversation?During Wire Talk+, Karen and Emily share a family story that illustrates the importance of bringing our sin into the light and allowing Christ to redeem our past. Head HERE and join us for the full conversation.

Today we're continuing our Mothers of the Bible series by looking at Hannah's story in 1 Samuel. Hannah was a woman who longed for a child and wrestled with seasons of waiting and disappointment. Listen as Karen teaches through this story, reminding us that God invites us to trust Him, even when our prayers feel unanswered. If you've ever waited on God for something close to your heart, we hope you are encouraged to persevere today.Episode Recap:This week we're looking at Hannah's story (0:43)Don't miss the BOAW birthday party after the Soar Conference this year! (2:30)Hannah is where, “...for this child I have prayed.” comes from (5:00)Hannah had dealt with infertility for years (7:00)Your pain may be different from Hannah's but we can learn from her response (11:03)Hannah and Jochebed both had hearts that were surrendered to the Lord (12:40)Hannah recognized that it was the Lord who made her strong (16:00) Like sheep, we need to follow first (17:28)We must continually remind ourselves that God is good (19:06)Scripture: 1 Samuel 2:1-2 (NIV) “Then Hannah prayed and said:“My heart rejoices in the Lord;    in the Lord my horn is lifted high.My mouth boasts over my enemies,    for I delight in your deliverance.“There is no one holy like the Lord;    there is no one besides you;    there is no Rock like our God.”Discussion Questions: What is something in your life that feels like a “waiting season” right now?How do you typically respond when God doesn't answer a prayer in your timing?What would it look like to surrender that situation fully to God, like Hannah did?Where are you tempted to compare your life to others, and how is that affecting your heart?How can you remind yourself daily that “God is good” even when life feels hard?Practically speaking, what does it look like for you to let God be your strength instead of trying to do it all yourself?Resources:Register for the SOAR Conference today. Become a WT+ Insider today! boaw.mom/insiderPick up Karen's Prayer Journal in the BOAW StoreWant More of This Conversation?Insiders will hear Karen share a personal story of a season of waiting in her own life and what God taught her through it. Head HERE and join us for the full conversation.

In this episode, Dr. Tony Ebel addresses one of the most common and heartbreaking frustrations parents of children with chronic illness face: doing everything right and still not seeing results. Dr. Tony reframes the problem entirely — it's not that the interventions are wrong, it's that they're being applied in the wrong order and on top of a broken foundation. He walks through the neurophysiological science of why healing follows a predictable sequence, introduces his clinical intake process, and lays out a clear four-step healing playbook: fix the nervous system foundation first, then movement integration, then gut and immune detoxification, and finally the brain. This episode is essential listening for any parent who feels stuck, and for every provider on their child's care team.----Links & Resources:Register for the FREE & VIRTUAL Resilient Family summit: thepxdocs.com/familyEp 51. Unexpected Allies in Pediatrics: Why Chiro & PT Need Each Other [Apple/Spotify]Ep 155. You Can't Work on the Brain Until You Work on the Body: The Missing Link Behind Speech, Behavior, and Development [Apple/Spotify]-----Key Topics & Timestamps03:00 Why the Healing Sequence Is Hidden in Plain Sight 09:00 The CSI Intake: How PX Docs Go Deeper Than Any Other Provider 15:00 The Three Possible Outcomes of Any Intervention 26:00 What Healing Actually Looks Like in Real Life 35:00 The Problem With Chasing the Loudest Symptom First 39:00 Step One of the Healing Sequence: Fix the Foundation 54:00 The Three Rules: Fix the Foundation, Trust the Sequence, Stay the Course 01:01:00 The Four-Step Healing Playbook: Putting It All Together 01:13:00 Closing Message to the Parent Who Is Ready to Give Up-- Follow us on Socials: Instagram: @pxdocsFacebook: Dr. Tony Ebel & The PX Docs NetworkYoutube: The PX DocsFor more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care.Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click Here

In this episode of the Experience Miracles podcast, Dr. Tony Ebel tackles one of the most emotionally charged and scientifically complex questions parents ask: why do some kids go through the same birth interventions — C-sections, forceps, vacuum, induction — and come out healthy, while others spiral into chronic illness, neurodevelopmental challenges, and the perfect storm? Dr. Tony breaks it all down through the lens of nervous system resilience, the house and storm analogy, and the upstream factors that shape a child's ability to handle stress before they ever take their first breath. This is not a conversation about blame — it's a conversation about clarity, understanding, and how to move your family powerfully forward.-----Links & Resources:Register for the FREE & VIRTUAL Resilient Family Summit: thepxdocs.com/family-----Key Topics & Timestamps01:00 The Real Scope of Birth Interventions and the Perfect Storm 06:00 Birth Trauma Is Real: The Malpractice and Actuarial Science Case 14:00 Introducing the House and Storm Analogy 20:00 Survival vs. Thriving: The Gap Nobody Talks About 23:00 Oliver's Story and the Pre-Storm Work That Matters Most 27:00 How Maternal Stress and Prenatal Health Shape Baby's Nervous System 32:00 Why Two Kids With the Same C-Section Can Have Completely Different Outcomes36:00 Adaptability, Reserve Capacity, and Resilience: The Three Terms to Know 51:00 It's Not Your Fault: The Closing Message Every Parent Needs to Hear-- Follow us on Socials: Instagram: @pxdocsFacebook: Dr. Tony Ebel & The PX Docs NetworkYoutube: The PX DocsFor more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care.Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click Here

This week, we kick off our month of celebrating moms with a new series: “Mothers of the Bible.” Today we're looking at the life of Jochebed, a woman who faced unimaginable fear and made an unthinkable choice to save her son. Through her story, Karen and Emily unpack what it looks like to do our best for our kids and trust God with the rest. If you've ever struggled to let go, this conversation will meet you right where you are. Episode Recap:We're kicking off a new series by looking at the lives of some mothers in the Bible (0:49)Jochebed was Moses' mom (2:00)She did everything in her power to keep Moses alive (4:10)God enabled Jochebed to nurse Moses after his adoption by Pharoah's daughter (8:00)Jochebed did everything she could and left the rest up to God (9:50)Jochebed was not Moses' savior (10:20)Only God can reach our children's hearts (10:55)Let go of your need to be a perfect parent (11:35) Children are a blessing - try not to hoard the blessing (15:05)Scripture: Psalm 56:3 (NIV) “When I am afraid, I put my trust in you.”Discussion Questions: Where in your parenting are you trying to “be the savior” instead of trusting God?What does it look like practically to “open your hands” and give your children back to God each day?How can you balance doing your part as a parent while still surrendering outcomes to the Lord?In what ways might striving for “perfect parenting” be keeping you from trusting God more deeply?Resources:Register for the SOAR Conference today. Become a WT+ Insider today! boaw.mom/insiderPick up Karen's Prayer Journal in the BOAW StoreWant More of This Conversation?In Wire Talk+, Karen and Emily go deeper into real-life parenting moments, sharing honest stories about when letting go has been hardest for them and how they navigated situations they couldn't fix for their kids.Head HERE and join us for the full conversation.

Dr. Tony Ebel takes a deep dive into one of the most important — and most overlooked — root causes behind chronic childhood illness: dysautonomia. He breaks down what dysautonomia actually is, how it connects seemingly unrelated symptoms across the gut, immune system, brain, and body, and why the conventional medical model of siloed specialists keeps so many families stuck without real answers. Using the real-life case of patient Connor — a young athlete who went from mysterious fevers, rashes, and inflammation to thriving — Dr. Tony shows exactly how Neurologically-Focused Chiropractic Care targets dysautonomia at its root. He also walks through the INSiGHT scanning technology used to measure and map dysautonomia, and sends every parent home with one powerful truth: it may not be 57 different problems. It may be one.-----Links & Resources:Register for the FREE Resilient Family Summit: thepxdocs.com/familyConnor's Success Story: Read hereLearn more about the INSiGHT Scans here: https://pxdocs.com/nervous-system/insight-scans/-----Key Moments:03:30 How Dysautonomia Connects Gut, Immune, Brain, and Body Dysfunction 07:00 Connor's Story: Fevers, Rashes, and a Kid Who Wasn't Himself 10:00 Four Specialists in Three Weeks and Still No Answers 17:00 The Air Traffic Control Analogy: What Dysautonomia Actually Is 21:00 How Dysautonomia Showed Up Across Connor's Entire Body 25:00 Why the Medical System Loses the Forest for the Trees 31:00 The INSiGHT Scans: Measuring and Mapping Dysautonomia 39:00 Connor's Update and How to Take Action-- Follow us on Socials: Instagram: @pxdocsFacebook: Dr. Tony Ebel & The PX Docs NetworkYoutube: The PX DocsFor more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care.Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click Here

Dr. Tony Ebel sits down with Dr. Melonie — perinatal chiropractor, board-certified lactation consultant, and one of the leading voices in pediatric neurological care — for a conversation that will change the way you think about breastfeeding. They break down why latch struggles, low milk supply, and early breastfeeding failure are not mom's fault — they are nervous system issues rooted in birth trauma. Dr. Melonie walks through the neuromechanics of the first milestone, why the formula industry is positioned to swoop in at exactly the right moment of vulnerability, and what a neurologically focused care plan actually looks like for newborns. The conversation then shifts to their recent trip to Washington, D.C., where they sat in rooms with MAHA leaders and chiropractic advocates pushing for real policy change around maternal and infant health — and why both of them believe the tide is finally turning.----Links & Resources:Register for the FREE Resilient family summit: thepxdocs.com/familyFollow Dr. Melonie on Instagram: @beginwellcoWebsite: https://www.beginwellco.com/For Professionals: https://www.certifiedlactationprofessional.com/----Key Topics & Timestamps01:00 Introducing Dr. Melonie: perinatal expert, lactation consultant, and legislative advocate09:00 Dr. Melonie's story: the unnecessary C-section that started it all11:00 The formula trap: trauma → tension → tired → Nestlé shows up16:00 C-section moms and milk supply: what no one tells you in the hospital21:00 The first milestone: latch as a full-body neurological event28:00 Why Dr. Melonie became a lactation consultant: the mom she couldn't save in time30:00 Pumping vs. latching: oxytocin, co-regulation, and what gets lost44:00 Washington, D.C.: what happened in the MAHA and chiropractic meetings55:00 Storming, forming, norming: the path to making healthy families the norm-- Follow us on Socials: Instagram: @pxdocsFacebook: Dr. Tony Ebel & The PX Docs NetworkYoutube: The PX DocsFor more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care.Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click Here

This is the week. The Miracle Hour Live Experience is here, and before we go live on Wednesday, Kelly is answering the questions that have been flooding in from the thousands of people who have already started going through the Miracle Hour audiobook. In this episode, Kelly tackles the most common sticking points head on: should you be focused on new leads or old ones, can you break the Miracle Hour up throughout the day, and how do you stay consistent when life is busy and the schedule is full. Kelly also breaks down why preparation is just as important as execution, why most business owners spend 45 minutes reorganizing and only 10 minutes actually reaching out, and why by 9am every single day her team already has dollars in the door. If you have the book, the audiobook, or even just a growing curiosity about the Miracle Hour, this episode is your on-ramp to the live experience happening this week. Timestamps: 00:30: What is happening this week: the Miracle Hour Live Experience, how to register, and the three attendance options 02:30: Should I focus on new leads or old ones first? 04:00: The five types of sales the Miracle Hour generates every week, and why four of the five are already sitting in your existing ecosystem 06:00: Can I break the Miracle Hour up into smaller blocks throughout the day? 07:00: Why imperfect action and consistency will always beat a perfectly executed hour that never happens 08:30: How do I stay consistent when my schedule is busy? 10:00: The real reason most people's outreach isn't working Resources: Register for the Miracle Hour Live Experience: free virtual, VIP with recordings and bonus Q&A, or in-person: https://www.themiraclehourbook.com/april-29th-live-experience  Pre-order the Miracle Hour book and get instant access to the audiobook when you email your reciept to miraclehourbook@kellyroachinternational.com: https://a.co/d/02xYaMbq 

Organic grape production is gaining momentum, but making the transition from conventional farming requires careful planning, patience, and a willingness to adapt. In this episode of Vineyard Underground, Fritz welcomes Rob Warren, owner and operator of Desert Willow Vineyard and Warren Farms in Seminole, Texas, to share his experience converting his vineyard to certified organic production. Rob explains how his agricultural background in organic row crops gave him experience with organic systems long before he applied those principles to grape growing. As consumer demand began to shift toward more natural and sustainably produced wines, wineries started seeking organic fruit, prompting Rob to pursue certification. During the conversation, Fritz and Rob walk through the realities of transitioning a vineyard to organic management. Rob discusses the three-year certification timeline, the importance of documenting the final use of conventional inputs, and the need for growers to rethink pest, disease, and weed management strategies. A major focus of the episode is that Rob uses sheep in the vineyard. The sheep help control weeds, provide natural fertilization, and even assist with canopy management by removing leaves in the fruiting zone. Throughout the episode, Rob provides honest background information on the challenges and the long-term benefits of improved soil health and stronger vine resilience. For vineyard owners considering organic production, this episode offers practical guidance and real-world lessons from a grower who has successfully made the switch. In this episode, you will hear: Market demand from wineries and consumers increasingly favors organic grape production Weed management is often the biggest early challenge when moving away from conventional herbicides Sheep can play a valuable role in weed control, fertilization, and canopy leaf removal Organic pest and disease control often requires more frequent monitoring and spray applications Soil health improvements through cover crops and livestock integration strengthen long-term vineyard resilience 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.

What to listen for:Our hosts, Robin Greubel and Stacy Barnett, welcome Bob Deeds back to debrief the first-ever chicken workshop hosted at Robin's farm.Bob, drawing on the legacy of Keller and Marian Breland and Bob Bailey, the operant conditioning pioneers behind Animal Behavior Enterprises and the IQ Zoo, explains that the chicken workshop isn't really about chickens at all!White Leghorns, selected for their speed and reactivity, are a crucible for the trainer, forcing observational precision, mechanical timing, and real-time decision-making that slower species simply can't demand. The group that gathered at Robin's farm was a genuinely mixed bag: a horse trainer, professional detection handlers, a pet dog trainer who also teaches others, and a sport dog handler who arrived feeling self-conscious about her credentials.By the end, that trainer was unrecognizable in the best way. Her confidence transformed, her mechanics sharpened, her sense of belonging earned.What the hosts return to again and again is the downstream effect of students reaching out weeks later, saying they finally had the words to explain a dog's behavior to a client, or that they rewrote a puppy class mid-workshop. That's the whole point. Key Topics:Chicken Workshops: Purpose and The Breland-Bailey Legacy (01:11)White Leghorns as the Training Tool of Choice (04:22)Diverse Trainers, One Great Equalizer (07:33)Frodo: The Making of a Serial Peck-Machine (08:57)Upcoming October Workshop and Future Plans (23:31)Staying on the Farm: Community and Communal Dinners (23:39)Training Is a Perishable Skill (32:53)What's Next: Bob's Scent Wall, Robin's Travels, Stacy's NW Classes (36:05)Takeaways (42:06) Resources:Register for Distraction Camp & IHHS https://www.k9detectioncollaborative.com/eventsRegister for MUTC https://www.k9sensus.org/event-details/k9sensus-mutc-2026Register for MYC: Chicken Workshop in October https://www.k9sensus.org/event-details/mastering-your-mechanics-oct-2026Register for Stacy's classes! https://www.fenzidogsportsacademy.com/schedule-and-syllabusWe want to hear from you:Check out the K9 Detection Collaborative FB page and comment on the episode post!K9Sensus Detection Dog Trainer AcademyK9Sensus Foundation can be found on Facebook and Instagram. We have a Trainer's Group on Facebook!Scentsabilities Nosework is also on Facebook. Here is a Facebook group you should join!You can follow us for notifications of upcoming episodes, find us at k9detectioncollaborative.com to enjoy the freebies, and tell your friends so you can keep the conversations going.And don't forget to check out the YouTube Channel!

90 Day Notice Returns: Protecting Your Career Before You Need To Register for the free call 14 April at 6pm central here In this episode, Dr. Amy Vertrees and healthcare attorney Amanda Hill announce the return of Season 4 of the 90 Day Notice program, launching April 14th. Originally created after a wave of unexpected physician layoffs, 90 Day Notice was designed to help doctors protect their careers, navigate workplace challenges, and regain professional agency. Today, the stakes feel even higher. Across the country, physicians are reporting: Sham peer reviews Terminations “for cause” Sudden RVU changes Leadership pressure and reputational risk This episode explains why doctors need a proactive strategy before problems escalate — and how physicians can learn to advocate for themselves without immediately resorting to lawyers, job changes, or burnout-driven decisions.

In this bonus replay episode, I shared something really personal, and honestly, deeply relevant to anyone navigating growth as a business owner. While traveling during my son's lacrosse season last summer, I found myself experiencing that familiar entrepreneurial anxiety…the kind that shows up when you're away from your business and wondering if things are still running smoothly without you. That season pushed me to take a closer look at how I was leading, how I was protecting my energy, and what I was actually saying yes to in my day-to-day. It became about more than just time management. It was about energetic alignment and intentional leadership. Inside this episode, I explored: Why psychological safety is the key to high-performing teams The truth behind "no one can do it like me" How to identify the 10–20% of your work that truly energizes you Why defining your own leadership philosophy changes everything If you've ever felt overwhelmed by your business or disconnected from your vision, my hope was that this episode felt 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 SPARK: A 5-day strategic reset for aesthetic and wellness practice owners and practice managers navigating growth, change, and what's next. → Snag your ticket for the ALT Experience. There are just a handful of tickets remaining! → 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. KLC Consulting Website Kaeli on LinkedIn

In this replay episode, we're revisiting one of the most important leadership decisions every growing practice owner faces: should you promote someone from within, or bring in outside leadership talent? As founders, many of us build our businesses around the skills we know best—whether that's clinical excellence or coaching expertise. But the transition from hands-on provider to visionary CEO requires a completely different leadership skill set. In this conversation, we unpack common mistakes that can slow growth, like overpaying for experienced hires before your business is ready, or promoting a team member into leadership without the training and support they need to succeed. Instead, you'll learn how to identify, develop, and support a Practice Leader—a role designed to bridge the gap between the front desk and operations management while strengthening the leadership structure of your practice. We also cover the core leadership capabilities that make someone effective in this role, including communication, influence, accountability, and team leadership, along with how to set clear career pathways, identify skill gaps, and recognize early red flags when evaluating potential leaders. If you're building or restructuring your leadership team, this replay is packed with insights to help you make smarter promotion decisions, avoid costly leadership missteps, and create the structure needed to support long-term growth. Resources → Register for SPARK: A 5-day strategic reset for aesthetic and wellness practice owners and practice managers navigating growth, change, and what's next. → Snag your ticket for the ALT Experience. There are just a handful of tickets remaining! → 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. KLC Consulting Website Kaeli on LinkedIn

In this episode, Saul is joined by Mariya Filipova, CEO at Proclaim, a renowned healthcare executive, investor, and now Course Director at Harvard School of Dental Medicine. The conversation centers on the concept of Care Convergence, a vital shift in healthcare delivery that moves away from traditional, siloed treatment toward a "whole-person" approach.  Mariya explains that the current healthcare system is often hampered by quarterly financial cycles and fragmented clinician training, which fail to account for the interconnected nature of the human body. She emphasizes that true systemic change begins with education, leading her to co-design a first-of-its-kind program at Harvard. This curriculum is specifically built to connect clinicians and innovators with the business, technology, and cross-disciplinary skills necessary to lead the next generation of integrated care delivery. Tune in to discover how bridging the gap between clinical practice and business strategy can dismantle healthcare silos and finally put the whole patient at the center of the system. Resources: Register for the webinar here:  https://bit.ly/4uj014j Apply now to the Convergent Leadership: Bridging Clinical Care, Business, and Technology: https://web.cvent.com/event/746b6bcb-1d12-4082-9c8c-c68c8b9e85fb/register Connect with and follow Mariya Filipova on LinkedIn. Follow Harvard School of Dental Medicine on LinkedIn. Explore the Harvard School of Dental Medicine Website. Follow Proclaim on LinkedIn. Explore the Proclaim Website.

Feel like you're learning constantly but still not moving? You don't have an information problem. You have an integration problem. In this episode, Lori and I break down why visionaries struggle with execution, why your brain deletes what you don't apply immediately, and how information overload kills momentum. I share why I can see winning business ideas instantly but need integrators to execute the granular steps, and why that's wiring, not weakness. We also talk about the 4 missing pieces most entrepreneurs ignore, so you can finally close the gap between knowing and doing. Get ready to execute at the level your vision deserves.   HIGHLIGHTS What's really stopping you from executing what you already know. Why visionaries struggle to follow through on their big ideas. How to stop forgetting everything you learn in courses and podcasts. What happens when you surround yourself with people who normalize success. The factor that determines whether your ideas ever turn into outcomes.   RESOURCES Register for the Built for Bigger Summit (FREE | March 10–12, 2026) HERE Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Lori: @loriharder Frello: @frello_app

For those in the automotive industry, namely suppliers working with European OEM's, you're likely familiar with TISAX but not necessarily with the Standard that many of its requirements originate from. ISO 27001 is the leading Information Management Standard, and its Annex A forms the basis of TISAX, however there are many differences between the two. For Automotive suppliers looking to create a more holistic Information Security Management System, it can be beneficial to implement elements of both even if you don't intend to certify to both. In this episode, Ian Battersby is joined by Emma Coxhill, isologist at Blackmores, to explore the differences between TISAX and ISO 27001, how existing ISO 27001 compliant management systems can be leveraged for TISAX compliance and the benefits of implementing both Standards for automotive suppliers. You'll learn ·      How does TISAX differ from ISO 27001? ·      How does the recertification / annual surveillance for TISAX and ISO 27001 differ? ·      Can a company have TISAX without ISO 27001 and vice versa? ·      How can an existing ISO 27001 certification be leveraged for TISAX? ·      What are the additional benefits of implementing both TISAX & ISO 27001? ·      What is a reasonable timeframe for implementing TISAX? ·      The key role of Internal Audits ·      How can Blackmores support companies in implementing TISAX? Resources ·      Register for our TISAX webinar here ·      ENX ·      Isologyhub   In this episode, we talk about: [02:05] Episode Summary – Emma Coxhill joins Ian to dive into the key differences between ISO 27001v Information Security and TISAX, including the benefits of implementing both and how each can be leveraged to assist in the implementation of the other.   [03:10] What is TISAX? TISAX was developed for the automotive industry by the German Association of the Automotive Industry, VDA, and it's managed by the ENX Association. It's based on the ISO 27001 Annex A controls, and was created for the automotive industry because they were looking to standardise the framework for assessing and sharing information security results between manufacturers and their suppliers. [04:20] How does TISAX differ from ISO 27001? ISO 27001 is a general Information Security management Standard, it can be applied to any business, whereas TISAX is only applicable to the automotive industry. ISO 27001 includes a framework of requirements that everyone must implement, whereas TISAX has a more customisable element. With TISAX you can select an applicable level and relevant subject areas for your operations. The last main difference is the fact that ISO 27001 certification ends in a certificate which can be shared and displayed wherever you want. TISAX in comparison has Labels, which are only available through the ENX portal where you have control over who can access them. [05:15] How does the recertification / annual surveillance for TISAX and ISO 27001 differ? The good news is that TISAX is a bit more forgiving than ISO when it comes to a recertification cycle. TISAX does not require an annual Surveillance like ISO 27001, instead once you've earned a Label it remains valid for 3 years. ISO 27001 in comparison requires an annual Surveillance for each year until the 3rd when you have your Recertification Audit. If you have a significant change to scope part way through your 3 years of TISAX, you will need to have a chat with your auditor to see if extra work is required. This will depend on your level, with higher levels likely to require some additional work and for you to adjust your scope within the ENX portal. Overall, a TISAX label is less of a burden than traditional Management System Standards like ISO 27001. However, TISAX is a lot more strict and will require more upfront preparation ahead of earning your Label. [07:30] Are Internal Audits required for TISAX? They are, but the amount and frequency are a lot more flexible than ISO 27001. You can do as many as you like, but at a bare minimum we recommend you conduct internal audits 6 months ahead of your TISAX label expiring to ensure you're ready for re-certification. You can of course carry on with annual internal audits to make sure you're on track. This can be handy if specific clients ask for further evidence of you following processes in accordance with TISAX requirements.   [08:35] Can a company have TISAX without ISO 27001 and vice versa? You can! Both are independent Standards, however they do compliment each other. Organisations that hold both have a competitive advantage, as ISO 27001 applies to all industries and is more widely recognised. However, if you only operate in the automotive space, TISAX may be sufficient. If you supply to multiple sectors, it's worth considering implementing both TISAX and ISO 27001. [09:25] How can an existing ISO 27001 certification be leveraged for TISAX? If you already hold an existing ISO 27001 certification, than you're already 80% of the way there to TISAX compliance. As TISAX is based off of ISO 27001's Annex A controls, a lot of the requirements cross over, so you will already have most of the foundations in place to cover TISAX. It will just be the more automotive specific requirements that will require some additional work. These requirements include considerations for: ·      Data Protection ·      Prototype protection ·      Assets ·      3rd Party Suppliers The amount of additional work will also depend on the TISAX Level you're aiming for, with Level 3 being the most demanding for these specific requirements. [10:55] What are the additional benefits of implementing both TISAX & ISO 27001? Benefits include: Robust Information Security – Having both TISAX and ISO 27001 forms a strong and versatile information security infrastructure that will cover all of your operations. Easy Integration – These two Standards complement each other, and can easily be integrated. If you already have ISO 27001 in place, you have already completed a majority of the framework and will be familiar with what's required to earn and keep both your ISO certificate and TISAX Label. Customer Trust and Long-Term Resilience – TISAX is desired, if not an outright requirement for European based OEM's to work with suppliers. They require this because TISAX is a trusted Standard, a Label displays your commitment to information security within the automotive industry. It also helps to put you in a better position to both safeguard data as well as respond in the event of a data / security incident. Wider market access – If you supply to more than just the automotive industry, than having ISO 27001 in place will grant you access to the wider market that will recognise that Standard over TISAX. [12:05] What is a reasonable timeframe for implementing TISAX? This will depend on a number of factors including the type of organisation, the number of sites, resources available etc. The key thing to note is that this is note a 2 week project, it will take a number of months to get everything in place for your external assessment. A good measure of if you're ready is if you can score at least more than 2.71 on your self-assessment, and have completed a few internal audits to double check. If you already have ISO 27001 in place, than you're looking at between 3 – 6 months. If you do not have ISO 27001 in place than you're looking at 6 months minimum. For Level 2, you will need proof that ,you have everything in place, it's all been communicated and the relevant individuals have been trained. Level 3 requires everything to be in place and operating for a certain amount of time, typically around 3 months is ideal to start building a library of evidence ahead of your external assessment. Emma's top tip: Be honest in your self-assessment. It's there to be a benchmark, and you need to reflect on the reality of your position if you're to accurately assess what Level you are ready to be assessed against. [14:20] Core elements for success: As with any Standard, ISO or otherwise, TISAX will require leadership commitment in order to be successful. The requirements of TISAX need to come from the top down, just like with ISO 27001. The Leadership ultimately drive TISAX's success, by ensuring the relevant resources are in place, and involved individuals have the necessary time to implement and maintain the Label. For those within the Automotive Sector, TISAX is becoming an absolute requirement. It's being pushed as a tender requirement, so you may lose out on business if you opt to not earn a Label. [16:35] The key role of Internal Audits: As mentioned earlier, Internal Audits are a key part of the process for both TISAX and ISO 27001. It acts as a business health check to ensure you're on the right path. They can help identify areas which may be non-conforming or simply highlight opportunities for improvement. For TISAX, there is not outright requirement for 3rd party audits ahead of your assessment, however we would recommend them as a fresh pair of eyes can reveal things you may have overlooked. An external auditor will also be more unbias and can provide an honest review and feedback as to what TISAX Level you are ready for.   [18:25] How can Blackmores support you with TISAX Implementation?: We can provide as little or as much support as needed. This can include a fully guided implementation where we assist you through each step. This can apply to both TISAX and ISO 27001 if you wish to certify to both Standards. Other options include: ·      Assisting with your TISAX self-assessment (aka a Gap Analysis) ·      Conducting a Maturity Assessment ·      Conducting internal audits ·      On-site support during your TISAX assessment audit We are happy to provide whatever level of support you need. Blackmores do not provide a tick-box exercise, we pride ourselves on ensuring an implemented system works for you. [21:10] Upcoming TISAX Webinar – Join us on the 18th March 2026 at 2pm for a webinar where we'll dive into TISAX further and provide practical guidance on how to complete the VDA Self-Assessment. Attendees will also get access to some freebies. So don't delay, register your place here today. 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

The modern automotive industry faces many new challenges, as vehicles evolve with more complex data requirements and supply chains become increasingly interconnected, major Original Equipment Manufacturers (OEMs) require certain Standards as a mark of trust from potential suppliers. Currently, this trust is codified in TISAX (Trusted Information Security Assessment Exchange). For businesses that have not previously dealt with Standards, TISAX can be seen as a daunting regulatory hurdle. However, a TISAX label is more than a compliance check, it's a recognised mark that your organisation has robust information security measures in place specific to the automotive industry, including considerations for protecting key intellectual property and prototype innovations. In this episode, Ian Battersby is joined by Emma Coxhill, isologist at Blackmores, to explore what TISAX is, who it applies to, what it requires and how OEM's and automotive suppliers can take their first steps towards earning a TISAX label.   You'll learn ·      What is TISAX? ·      Who is TISAX applicable to? ·      Why is TISAX important? ·      What are the 3 assessment levels within TISAX? ·      What are the 3 different subject areas within TISAX? ·      How is TISAX implemented? ·      Why does TISAX use labels instead of certificates – and how can people verify these? ·      What is the ENX portal and how does this help with supplier onboarding? ·      Where should companies start if they want to earn a TISAX label?   Resources ·      Register for our TISAX webinar here ·      ENX ·      Isologyhub   In this episode, we talk about: [02:05] Episode Summary – Emma Coxhill joins Ian to dive into the topic of TISAX, including who it's applicable to, why it's important and how businesses can make a start on earning a TISAX label. [03:40] What is TISAX? TISAX was developed for the automotive industry by the German Association of the Automotive Industry, VDA, and it's managed by the ENX Association. It's based on the ISO 27001 Annex A controls, and was created for the automotive industry because they were looking to standardise the framework for assessing and sharing information security results between manufacturers and their suppliers. [04:40] Who is TISAX applicable to? While applicable to the automotive industry, it encompasses quite a lot of businesses within this. This is because is applies to any organisation that handles sensitive data relating to vehicle development, manufacture and marketing. So, this can include any company providing car parts, vehicle software, cloud services, testing labs, engineering etc. Basically, any service providers to OEMs (original equipment manufacturers) will be applicable. TISAX can also be applicable for those dealing with automotive related events, marketing and photography, as new models are protected IP and will require related business to prove that they have the correct security requirements to ensure any potential prototypes are protected. [06:50] Why is TISAX important? Mainly, it gives the automotive industry a trusted, standardised way to ensure information security across the entire supply chain. Without it, the OEMs and suppliers can conduct their own audits, but it'll be their own interpretations or what is considered an adequate level of security. The industry saw this as an open door to chaos, so TISAX was created to protect highly confidential automotive information and support compliance with relevant data protection laws. However, now it's not so much a 'nice to have' Standard as it is a requirement to trade, especially within Europe. It's fast becoming a tender requirement, and many OEMs won't make it past the procurement process without a valid TISAX label. The ENX portal, where labels are registered, can also help speed up the on-boarding process. So, the whole TISAX system has been built for ease of access to help manufacturers choose suppliers that prioritise information security. [09:00] What's the consequence of not having a TISAX label? A loss of opportunities. Those within the automotive industry that don't have a valid label will be seen as a security risk, leaving them at a competitive disadvantage. [10:30] What are the 3 levels within TISAX? Unlike ISO 27001, TISAX has levels that depend on the level of data sensitivity that you're dealing with. Level 1: Self-assessment – Considered as 'normal risk' with general processing of data. Level 2: Remote Audit – Applicable to those dealing with confidential information such as design documents or internal projects. This requires both a self-assessment and an audit. Level 3: On-site Assessment – Highly confidential information, so this applies to those dealing with sensitive research, development information or prototype data etc. This requires a physical on-site assessment, as the qualified TISAX auditor will need to ensure that you have the appropriate physical security measures in place. Most businesses will require level 2, but if you're looking to work with high-spec OEMs, then level 3 is more desirable. [12:00] What are the 3 subject areas within TISAX? The 3 main areas are as follows: Information Security: This covers general information security controls such as relevant policies, access controls, risk management, incident handling and secure operations. Prototype Protection: This focuses on safeguarding physical and digital prototypes, design data, test vehicles and confidential development information. Data Protection: This ensures proper handling of personal data in line with legal requirements such as GDPR. If you're just doing a self-assessment, you can pick the areas which are most relevant to you. If you've been requested to earn a TISAX label, they will usually provide you with their preference on subject areas. Many will opt to take information security, but data protection is also quite common. The prototype section is more specialist and not applicable to all businesses. [14:00] How is TISAX implemented? There are a few stages to gaining a TISAX label: Awareness – Learn the requirements for TISAX and planning for the project ahead. This may include asking your clients about what they expect of your from an information security perspective and working out costs for assessments and any additional support. The ENX website has a lot of really useful info, including a handbook and a copy of the self-assessment. Preparation – This is where you need to complete your TISAX scope and register yourself on the ENX portal. Your scope needs to specify your selected level (1,2 or 3) and the subject areas you'll be focusing on. You also need to include the locations within scope, which have to be listed one by one (not simply 'all offices in the UK' for example). Self-Assessment – The template for this can be downloaded from the ENX website. This is essentially a Gap Analysis that grades your current level of compliance with the TISAX requirements. It includes a scoring mechanism, where you'll be aiming to get a 2.71, as that's the pass rate. This self-assessment will highlight what gaps you need to fill before going ahead with an external assessment. Implementation – This is where you will bridge those gaps highlighted in the Self-assessment. This will involve creating the required documentation requested by TISAX and updating existing systems to align with requirements. Before going ahead with external assessments, we highly recommend you conduct some internal audits to ensure you're ready. External Assessment – Whether this is remote or on-site, you need an official TISAX auditor to perform the assessment. A list of approved TISAX auditors is available on the ENX portal, we recommend getting a few quotes to get the best price. We also recommend requesting a kick-off meeting so you can have a chat with your auditor about the requirements and how they'd like to review the required evidence of compliance. The Assessments are similar to that of an ISO certification, it's broken down into 2 segments. One is a document/evidence review and the other is done with both parties present to go through their findings, review further evidence and to question any gaps found. Again, similar to ISO, you may receive either minor non-conformities, non-conformities, opportunities for improvement or observations in their final report. If you get any non-conformities, you'll need to provide an action plan within 2 weeks following from your assessment to address them. You will then be allowed a few months to implement the corrections, which will be reviewed and approved by the auditor before receiving your label. If you only received opportunities for improvement then you'll get a label straight away. [20:40] Why does TISAX use labels instead of certificates – and how can people verify these? Taking ISO 27001 as a comparison, that certification has a blanket framework that can apply to every business. While you can exclude small bits, the vast majority applies to everyone. TISAX is more scaled based on the level of security you're dealing with. Businesses can pick both different levels and different subject areas for their Label. Another key difference is that Labels can only be verified through the ENX portal, this is where other TISAX clients can see who has what Label, including the details of level and selected subject areas. Business can still chose to state TISAX compliance on their website, but the details regarding the level of compliance only need to be seen be relevant individuals. [22:05] What is the ENX portal and how does this help with supplier onboarding? The ENX portal is accessible through the ENX website. It does require a fee to make an account, but this is where everything related to TISAX is managed. This is where you will upload your scope and findings and it's where Labels are assigned and documented for suppliers to search for. There are options for how much information you want to disclose within those public searches, allowing you to select the need for contacting for further information. The ENX portal can help massively in reducing the amount of supplier questionnaires you need to fill in, as those looking for automotive suppliers will simply look up your TISAX Label to verify if you have the required level of security to continue with the procurement process. [24:50] Where should companies start if they want to earn a TISAX label? If you're just diving in, we recommend you do some research first to fully understand what you're expected to do to earn a Label and how much the process will cost. Next you'll need to define your scope, so look at what sites need to be included and identify relevant client requirements in relation to TISAX. This is to ensure you're going for the right Level and subject areas. Next evaluate your internal resource for the project and related budget. As mentioned, you will need to pay to register on the ENX portal and you need to consider Assessment costs and any additional support costs should you need consultancy services. You'll also need to assign individuals to manage the project, which will include completing the self-assessment, updating your policies, procedures and documentation to align with the requirements and possibly conduct training if required. This isn't a 2 week project, realistic timescales will vary, but generally if you're starting from scratch you're looking at 9-12 months. If you have ISO 27001 in place already this could be reduced to 6-8 months. As with anything Standard related, leadership commitment is a big factor as you'll need their help and support to ensure the projects success. If you need additional help, reach out to consultants such as Blackmores to help guide you through the process.   [28:05] Upcoming TISAX Webinar – Join us on the 18th March 2026 at 2pm for a webinar where we'll dive into TISAX further and provide practical guidance on how to complete the VDA Self-Assessment. Attendees will also get access to some freebies. So don't delay, register your place here today. 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

Governor Mikie Sherrill has taken office alongside a Democratic supermajority, yet New Jersey business leaders are more optimistic than they've been in eight years. Is this a true policy pivot or just a honeymoon phase? Micah Rasmussen of the Rebovich Institute for New Jersey Politics joins us to discuss what the first half of 2026 holds for the state's economy and business community. Topics discussed:Why the business community is optimisticGov. Sherrill's upcoming budget proposalOther short-term issues of interest to the business communityLooking ahead Resources:Register for IssueWatch Live: New Jersey Budget Analysis on March 24 or March 30New Jersey Budget updatesRebovich Institute for New Jersey Politics

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith explores how a shift in mindset can change the way you build wealth, why so many new landlords are entering the market, and what recent economic trends could mean for future rents.  You'll also hear how one Florida investor is navigating a changing housing landscape, and learn about a timely opportunity in one of the country's fastest‑growing real estate markets—all without needing to be a hands-on landlord. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/593 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  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the risk of delayed gratification is denied gratification. There's a new wave of landlords. Wages are rising faster than both inflation and home prices. Learn what that's going to mean for rents. Hear the voices of five different Federal Reserve chairs, then GRE announces our biggest event of the year, and you're invited today on get rich education.   Corey Coates  0:32   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   Keith Weinhold  1:16   mid south home buyers, with over two decades is the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Corey Coates  2:19   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  2:35   Welcome to GRE from the Adriatic Sea to the Atlantic Ocean and across 188 nations worldwide, I'm Keith Weinhold, and this is get rich education. Sometimes we all need a mindset reset, and this can include me. Sometimes. James clear, the author of atomic habits, says there are four types of wealth, financial wealth, which is money, social wealth, which is status, time, wealth which is freedom, and physical wealth, which is health. Be wary of jobs that seduce you with one and two but rob you of three and four. That is to say, be careful with jobs that seduce you with financial and social wealth but rob you of time and physical wealth that is definitely going to happen to you during your life, especially early in your working career. But many people, even most people, they don't do much about this. They just go on and on, selling their soul to their employer for decades. Sometimes paychecks aren't compensation. They're a bribe from an employer to give up your dreams early in your career, delayed gratification actually makes some sense, because you need capital formation, you need down payments, you need dry powder. That is totally fair and the time in your life for delayed gratification. But there's a point that most people miss, the point where delayed gratification quietly mutates into denied gratification. This is huge. Most people miss this inflection point. When is this point in your life? That's when I'll do it later becomes, well, I guess I never did it at all. They look up at what they've got at age 65 and realize that they have a respectable title. They still wear Dockers pants. They have a 401, K that they must start paying tax on, and knees that creak louder than. The front door. Compound Interest hardly outpaces taxes and inflation. That's just going to keep you in one spot, you know, and you're never going to get that time back. There is no do over there. So you need to get to the point where you can be more frugal with your time than your money. Younger people have a harder time adopting this mindset, and that's a little natural, because they have more time and less money. Sooner than later, you must desperately get financially free so that you can simply be your self workaholics, optimize income instead of assets, and you can't let that happen, because labor does not compound and capital does compound, your quality of life will exceed your cost of living when your life is funded by what you own, not by what you do that takes a different mindset. You can either be a conformer or you can build wealth when you invest in real estate that pays five ways. It's like what you're doing is buying future Tuesdays, where you never have to work again and then later, add on future Wednesdays, where you never have to work again because you got the compound leverage instead of the impotent compound interest. I mean, just consider your two and a half million dollar portfolio that is passively doing the same work as someone who sells 40 to 50 hours a week of their life away for 100k in yearly salary. All right, maybe you're thinking, Oh, that all sounds thought provoking, but if you're not engaged on that, it can sound airy and philosophical and even risky. It's sort of like, yeah, you're cueing the acoustic guitar music and slow motion images of someone pensively gazing at a sunset.   Keith Weinhold  7:12   All right, what is the concrete plan? It's not all about mindset. It only starts with mindset. You got to make that actionable. Well, we constantly provide concrete plans for you here on this show, and I've got another concrete plan for you toward the end of the show today. This harkens back to what I discussed with you seven weeks ago, seven episodes ago on the show. That's when I discussed the world's first billionaire, John D Rockefeller and his enduring quote from about 100 years ago, he who works all day has no time to make money. Yeah, that's the quote a little review. What you learned seven episodes ago is that Rockefeller meant, if you spend your life doing tasks, you're never going to rise high enough to own things that pay you for life. The bottom line here is that earning a living is a distinctly different activity than building wealth. That's what we're talking about here.    Keith Weinhold  8:14   Well, there is a new wave of landlords entering the market, and they are reshaping what owning rentals looks like. One survey by rental platform avail of nearly 2000 users. It's really influential. It found that 53% of landlords became landlords in the last five years. So you have a lot of new landlords with the most 17% of landlords entering the market in just the last year, most purchased a property specifically to rent it out, and 1/3 sort of backed into this business by renting out their former residence. Of course, some people want to rent out their former residence today, if they got locked into that sexy owner occupied three and 4% financing from 2022 and earlier, the survey went on to tell us with some really good takeaways here, 72% of landlords manage between one and four units, and this avail survey. I mean, it's just another one that shows that the majority of landlords operate small portfolios, classic mom and pop investors. That one's not too surprising. The top three reasons that landlords gave for entering the rental market, they're pretty interesting. The number one reason for getting into this at 41% of respondents is building long term wealth. Next 33% for generating passive income, and the third most popular one, it's a distant third, it is preparing for retirement at 13% so building long term wealth is the number one reason for getting into this, and that is the right reason. Them when it comes to ownership structure, 64% said that they own the property individually, whether that's through a single member LLC or in their own name, doing it, yeah, individually, rather than with a family member or a business partner. So really, the summary of this terrific, recent avail landlord survey is that if you're just getting started, you're not alone. A lot of people are most own properties solely in their own name, and the number one reason for doing it is to build long term wealth. Now there's another pervasive set of economic trends out there in the broader economy, but it's really a benefit for real estate investors, and that is the fact that wage growth has now outpaced consumer price growth for three years. Yeah, another way to say that is that wage growth has outpaced inflation for fully three years. Yeah, most people just aren't feeling it yet. So you might be taken somewhat aback by that, and why aren't people feeling that wage growth is faster than inflation, the pandemic inflation spike that was so huge, it was like getting hit with a freight train, and then someone tells you, good news, the train has stopped. Yeah, that's nice. You are still lying on the tracks, rubbing your ribs. That's because we're all still absorbing spiked prices for everything from a lumber two by four to a York Peppermint Patty, year over year, wages are up 3.8% and consumer inflation is 3% All right, so wages above inflation, that means things are getting a little more affordable, but both wages and inflation have grown faster than home prices, which have only grown about one and a half percent, and this is all per the BLS in the FHFA, so wage growth Being more than double home price growth. Well, that trend really makes properties more affordable, but historically, they're still not that affordable. Everybody knows that home prices soared until about 2023 that was the turning point, and now wages are in their catch up phase. All right, but what really matters to real estate investors is, when will this wage growth translate to rent growth, historically, big rent growth that lags big home price growth by about two to four years. So you have the big home price growth, big rent growth hits two to four years later, historically. Now, if that holds true, we should finally see substantial rent growth this year or next year. Rent growth has still been pretty soft in the one to four unit space, and even there are rent decreases in the overbuilt apartment space. Future income growth promises to make homes more affordable. Affordability has already improved, with mortgage rates hovering near three year lows. There's one problem, though, that most people overlook, and that is this wage growth has been skewed toward the higher income deciles, renters, especially workforce renters, they don't feel it until later. So this 3.8% wage growth, it's heavier for higher income people, and it's lighter for lower income people. I swear, when there are enriching economic trends, it always hits the higher income people first, and it doesn't trickle down until later. So if you as an investor, are positioned before the rent wave hits, you are surfing, and if you wait to feel it, you're swimming behind the boat. Higher wages should translate to higher rents in the next one to two years. And as far as some other forces, as we all know, the man occupying the oval office in the White House, the President, he wants lower rates. The current Fed Chair isn't so willing to do that. The next one, the one he appointed, Kevin Warsh, who arrives in May. He seems more receptive to lower rates, but it's gonna take a while. It all moves so slow. We have had 16 fed chairs before worsh over 112 years. And look how much of an econ nerd Are you? Are you as bad as me? These voices are in chronological order, and I can name each speaker.   Corey Coates  14:47   You're going to have to live with the fact that forecasts have a range of uncertainty, irrational exuberance.   Corey Coates  14:54   In my opening remarks, I'd like to briefly first review today's policy decision, but   Corey Coates  14:58   first I'll review recent. Economic developments in the Outlook, and we are well positioned to wait to see how the economy evolves.   Keith Weinhold  15:06   If you can name each of those speakers, I would love to give you a free property from gremarketplace.com but I can't quite swing that in order. Those voices are Paul Volcker. He served from 1979 to 87 he was known for crushing double digit inflation by jacking rates to near 20% it was painful medicine, but it worked the next one. Alan Greenspan sir, from 1987 to 2006 that was a long reign, almost 20 years. He oversaw the 90s economic boom, the.com bubble and the early housing bubble. Years so far, Greenspan is the only Fed chair that I have met in person. Then Ben Bernanke, he was the Fed chair from 2006 to 2014 he took the helm right before the 2008 financial crisis. He rolled out QE and emergency lending on an historic scale. In fact, he was nicknamed helicopter Ben because it's like he would print so much money that he just dropped it out of huge sacks, dollar bills in huge sacks, dropping them from an airplane, metaphorically, not literally. Then Janet Yellen, 2014 to 2018 she kind of continued this post crisis normalization, and she was the first woman to chair the Fed and then, of course, Jerome Powell serving from 2018 to 2026 he navigated the covid stimulus, ultra low rates. And then after that, the fastest rate hiking cycle in decades to fight inflation back in 2022 being the Fed chair is the most important job in this economy, and over the decades, there's been more of a movement of the fed into the public eye. You just hear about them more in the media than you used to. But like I touched on last week, it just still doesn't mean as much to real estate investors as a lot of people think, people sometimes look for someone else to come save them, but it's more about you and the choices that you make that's what means more housing supply and demand means more real estate investors have profited during every one of those Fed Chair reigns, which go back almost 50 years from Volcker to today, I think everybody knows that fed chairs don't control property prices, and they don't even control long term interest rates. What's a little paradoxical is that Trump has been vocal about how he wants more affordable home prices, yet at the same time he wants existing homeowners to have their home prices go up, those two things seem to be in tension. They're in conflict with each other. The only way you can possibly get both are through lower mortgage rates. But is he going to see later today you as a GRE follower, you don't have to wait for lower rates income, property still feels less affordable than it did five years ago, because it is that's real but here's the key distinction in what makes real estate investors different from owner occupied homeowners. Affordability isn't about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting. Higher prices don't kill investors. Inaction during inflation does you're not buying a say, $350,000 property. You're controlling it with $70,000 while your tenant and inflation do the rest. We do not rely on hope or appreciation. We start with income tax benefits and debt pay down and then leverage appreciation typically happens as well. GRE only succeeds when investors close on properties that perform long term. One bad referral costs us years of trust, so we don't do that. The best question for you really isn't whether property is affordable. The question is whether owning an investment property is better than inflation compounding against you. That's the investor lens today.    Keith Weinhold  19:24   coming up next week on the show here, we're going to discuss apartments. It's been a truly be leaguered sector, where their prices have fallen 2030, and 40% in many markets. We've discussed apartments here on the show a lot before, like with Grant Cardone on episode 264, with Ken McElroy, countless times with me monologuing about apartments. And next week, we're going to talk to a multifamily educator who is known as the apartment King. Later on, a future show, we've got the return of the financial. Firebrand, and lately, the financial comedian Garrett Gunderson, a powerful speaker. That's definitely going to be interesting. As for today, you'll hear a first person account from a Florida resident about why he's moved to Florida and why he invests there. You've heard of this guy before. That's next. I'm Keith Weinhold. You're listening to Episode 593, of get rich education.    Keith Weinhold  20:26   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/G. R, E,    Keith Weinhold  21:02   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  22:13   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   Zack Lemaster  22:47   this is rental retirement Zach Lee Masters. Listen to get rich education with Keith bleinhold, and don't quit your Daydream.   Keith Weinhold  23:02   I'd like to welcome in our own in house. GRE investment coach, we haven't had you on the show since November. Welcome in Naresh.   Naresh Vissa  23:11   Kwith, It's a pleasure to be back on the show. Thanks for having me on.   Keith Weinhold  23:16   We're just playing it all casual and comfortable here in house. You were just finishing up, what ice cream or a container of something right before we got started   Naresh Vissa  23:25   here, all done with the ice cream and ready to record the podcast.   Keith Weinhold  23:29   Yeah, all right, keeping cool for our chat. Well, you know you do live in Florida, so you must have your own perspective on the Florida market. You live in the Tampa area, and the reason that that's a germane topic is that's something we've been talking about here lately as really an opportunity, and that is because most of Florida has seen some temporary property price attrition, but yet more population growth is projected. So that's why we feel like that's temporary. But why don't you tell us about what you see on the ground there?   Naresh Vissa  24:07   Keith, I've lived in Florida for 11 and a half years now. That's Tampa, Florida. I like Florida a lot. I moved here December 2014 for similar reasons that many people are moving here today. So I moved to Florida in December 2014 because of no state income tax, because of, at the time, lower cost of living. Florida was one of the states I got hit the hardest during the 2008 financial crisis, or nothing called in a real estate crisis, Florida, Arizona, those few others got hit really, really hard. So Florida at that time was still rebounding from 2008 so I moved for the affordability, the no income tax, of course, the weather better. Weather. And then most places in the Northeast I've lived so weather is a big deal when it comes to real estate and geography as well. These are all different reasons to move to Florida, and these are the reasons why I moved to Florida. I was also single in my 20s, so I was much younger at the time. I was single in my mid 20s, and Florida is very good for that too. For 20 something Gen Z folks today, Florida is definitely a place that they should consider. I moved down here and I fell in love with it. From day one. I got a place living right on the water, a beach. Got beaches everywhere. Florida's tour. And I say all this because these are all enticing features of Florida, for renters, for tenants, for snowbirds. I had never even heard of what a snowbird was until I moved down to Florida, where you have people who literally live here for seven months of the year, and then they live in their home state for five months of the year. So that's generally what it is, seven months in Florida, five months in their home state, which can be the people I know personally are from New York, Connecticut, Illinois, Ohio. The list goes on and on. Basically anywhere that's north of Florida could be considered a snowbird area. So that's another reason why Florida is a very hot market. Now, obviously, during the pandemic, in end of 2020, people started moving to Florida in droves. Part of it was politically, because you didn't have the restrictions that other states had during that crazy time that we lived through. And another part of it was work from home. So similar to me, in 2014 when I became full time work from home, I wanted to move somewhere for all those different reasons that I gave you the total package, and Florida fit that there was maybe one other state that fit the bill, based on everything that I told you, probably one other state. That's it. So Florida fit the bill, and that's why I think Florida is always going to be despite the hurricane prep, Florida is always going to be a destination that people will seriously look at whether you're older, retirement age or younger. Like I said in my mid 20s, single guy Florida is always going to be that destination for all the reasons that I laid out. So with that being said, what does that mean for real estate? What that means for real estate is that there's going to be a constant supply of people coming into Florida, and when there's a constant supply of people coming into Florida, then you can expect real estate prices to at least not decline. We passed, you know, all sorts of bills, including Dodd Frank post 2008 to prevent people from taking out mortgages that they couldn't afford. So now that that's out of the way, when you have a constant supply of people who are able to afford homes, who are able to afford rents, well, that's going to be a constant supply. So that's good for investors, that's good for appreciation. It's good for cash flow. And that's why I'm a huge fan, not just of the state of Florida, but also investing in Florida. And I own real estate in Florida, and you can say that I lucked out, but I bought a property in 2019 and it nearly doubled in value, yeah, when I say doubled in value in a matter of I want to say, like, two years, two and a half years, it nearly doubled in value. So with that being said, Florida, this was a rare cyclical trend when we just saw this huge upswing, rare cyclical trend. But I don't anticipate cycles like this, where you're going to have booms and busts. Moving forward, we haven't seen a bus since 2008 like I said, the the law has been taken care of in that sense, the regulation. I love the state. I've lived in six major cities, but maybe five different states, and Florida is hands down my favorite. That's why I've lived here for what did I say? 11 and a half or 12 and a half years? I don't even remember anymore. It's actually 11 and a half. My roots are here. I now consider myself a Florida person, even more so than the state of Texas, where, which is where I spent 18 years. I have no doubt that I'll surpass 18 or 19 years in Florida, and that this is it, right here. And a major reason is because this is just such a great state. It's free, it's real estate friendly. This is for people who are looking at buying primary residences, not for investment properties. But the governor has put on the ballot this coming election cycle to remove, to abolish the property tax in the state of Florida. So if you own, if you live full time, not a snowbird, not investors, but if you live in Florida permanently, then no more property tax if the vote passes. So that's another huge plus for owning property if you're a permanent resident in Florida,   Keith Weinhold  29:57   yeah, even if the property tax is abolished. Which seems unlikely, you could just tell what the tenor and the temperature of the tax climate and the investing climate is like in Florida, if they're even spearheading such a proposal, and they're a national leader in something like property tax abolition, like they are and Naresh about eight years after you moved there, which would be, what about 2020? 2022, somewhere in there, we had that strong pandemic migration push into Florida. What's happened is that that flow has slowed down. There's still positive net in migration in there in Florida. But the builders, they got ahead of this, and the pandemic migration wave waned, and they had a temporarily overbuilt condition, and they still do now, which is one reason why we've seen prices fall somewhat in most Florida zip codes, and this spells part of the opportunity. So you do have all these new build properties, some of which are vacant, but you have a good chance they're going to get absorbed pretty soon. And there are some obvious advantages to owning new build.   Naresh Vissa  31:11   Well, Keith, there is brand new construction in Florida, like you said. The work started in 2021 and there are homes that have not been sold. I don't want to say, since they were finished building in 2021 they recently finished building in 2025 and these homes could be a variety of reasons. It could be economic related. It could be hurricane related. In Tampa, the Central Florida, we had two horrible hurricanes back to back within a 15 day period, two really bad hurricanes towards the end of 2024 September and October 2024 and people lost their homes. Renters lost their homes. Other people just were freaked out and scared and said, You know what? I don't want to deal with. I've got PTSD from these hurricanes. I'm moving up to Alabama or Georgia or Orlando, you know, somewhere in Central Florida, that's a way. But even that area, you know, the hurricane still made it through to those areas too. People just picked up and said, You know what I'm done with Florida. It's a great state, but I don't want to deal with these hurricanes. And so regardless, whatever the reason, this is a pie, and these are all slices of the pie, I don't know what's been more of a contributing factor than which one has been more than the others. But with that being said, there are tons of properties in Florida, pretty much the entire state of Florida, where, especially new construction properties, are below at the time when they were being built, they're below what they anticipated being listed as. And So Keith, we're having a special webinar this Thursday, talking about these properties because they are discounted properties. They are properties that are selling at tremendous discounts, like I said to when Ground was broken years ago. So join that webinar. Gre, webinars.com gre webinars.com. Again, brand new construction. Many of these properties already have tenants in place. Not all of them, but many of them do already have tenants in place. There are all sorts of incentives that the builder is offering. And there are many builders in that, not just this one that's going to be on the webinar, but in Florida, there are many builders who are offering discounts, rate, buy downs, other incentives, because the home values have fallen somewhat a bit. Why have the home values falling? Because the demand has fallen as well. So again, the next question people might have is, well, if the demand is falling, if home home values are falling, why would I buy the trend is downward. And the answer is, whether it's a stock or any other security, you don't necessarily want to have the FOMO to buy at an all time high, just because everyone else is buying it. And I actually have family members who bought real estate at the peak of 2022 there was FOMO and there was, hey, you know, I need to get a flip, and they're down. They bought peak 2022, and they're down today. Because, look, you can pick any housing market in the country, especially a prime state like Florida. Look at any 30 year period, and you will see that home values are up double digits, even if you look at 2009 when the housing market crashed and we reached something like 10 year bottom in housing, if you look at the 30 year period, well, if someone who bought a house in Florida in, say, 1979 was still way up on their property in 2009 30 years later, we're not buying Bitcoin here where it can go up 30% in one day or go down 30% in one day. We're talking real estate, and real estate has been proven. It's been tested. It's been proven throughout time, not even a 30 year period. I think if you take any 20 year period, you're going to see the same trend of double digit gains, double digit growth. On real estate appreciation. So I'd say, if you're skeptical about Florida, you see these home values, all these discounts, that's the first thing I hear from followers. They say, why are they offering so many discounts? I'm a little concerned about all these discounts and incentives, and I don't know if that's a good thing. Well, I say, Well, I mean, you can buy full price in another state, if you'd like, you know, in California or so you could, you're more than free to buy full price. But we're talking Florida here. We're not talking about West Virginia or Rhode Island, or, you know, Nebraska. We're talking Florida. This is still the land of Mickey Mouse and Minnie Mouse, this is the land of the best beaches in the country. I mean, they there's just no arguing or debating these facts. Florida all the reasons that I stated earlier, is going to continue to be a hot, hot market. So I highly recommend people, if you want to get in on these discounted deals, G R E, webinars.com G R E, webinars.com register for our upcoming online and live special event this Thursday evening at 8pm Eastern Time, 8pm Eastern Time, gre webinars.com you won't want to miss this free, online and live special event.   Keith Weinhold  36:25   When a pound of oranges is on sale or a pound of zucchini is on sale, consumers are often attracted to that sale. Should probably be the same way with you considering adding to your real estate portfolio, and it's funny, when oranges of zucchinis are on sale, no one tries to find fault with it and think that they're rotten inside or something like that. But somehow with real estate or an investment that tends to get scrutiny from people, but these are real discounts that you're getting over buying, say, two years ago, and we're talking about a motivated seller here. And as you know, Naresh, we had the builder on the show last week, the one that's going to be co hosting the webinar with you on Thursday, and he talked to us about buying down mortgage rates to between 3.75% and 4.25% and we're here at a time where the owner occupied rate is six to six and a quarter the investor rate is seven, so you're getting about a three percentage point buy down. That's really the attraction. And Naresh, before I ask you, if you have any last thoughts, yes, again, it is our live event that you can attend from the comfort of your own home, Thursday the 19th, at 8pm eastern in just a few days, here with Naresh and the builder who you heard on last week's show, co hosting a live webinar for Central Florida so inland new build income property. It's free. You're invited, and the benefit of you attending live is that you can have any of your questions answered in real time. You're going to learn more about the Central Florida market and more about the home building process, and you are going to be able to see available new bill property, real addresses, with some of these pretty grand incentives that we've talked about again. GRE webinars.com, any last thoughts? Naresh   Naresh Vissa  38:17   I get a lot of questions about is right now the time to buy? Should I buy later? What's going to happen with real estate? And I know the number one question, or the number one caution our followers are going to have, is, is right now the time is March or April, the time. And I say, look, with real estate, I already gave you the figure that you take any 20 year time period, any 30 year time period, and that's our time horizon here at GRE again, we're not trying to buy bitcoin here and flip it, you know, two days later, we're looking to buy and hold for, I don't want to say forever, but I know my time horizon in general is the full 30 year term, at least for my properties, and some people you know, want 10 or 15 years. That's fine too, but that's the time horizon. It is not one year, two years. We're not flipping new construction properties here in Central Florida. We are looking to buy and hold over the long haul, get some very good, high quality tenants in there, in these new construction properties, so that you, the GRE follower and the investor, can collect your monthly cash flow as well as over that 20 year period, or that 30 year period take part in appreciation as well. We've also talked extensively, Keith in previous episodes about interest rate cuts that the Federal Reserve is going to be doing, and just know this, there's a reason why the builder is offering these incentives where you can get the rates so low, your mortgage rate can be so low, and it's going to take at least a year, even if the Fed goes to zero. I mean, it's going to take mortgage rates a very long time. And to reach that point of getting such low interest rates that you just laid out, so that even makes it more enticing, like, Hey, I basically have a head start on the Federal Reserve because I follow the Fed pretty closely. We don't need to get into those details, but it's looking heavily like they are going to be start cutting again later this year, this summer. So it's looking like they're going to do that, but again, now you can have a head start, because when the Fed starts doing that, and when the mortgage rates fall, then everybody's going to jump in. And what's going to happen to the home values once everybody jumps in, well, they're going to go up. You want to jump in when everybody is not jumping in, and when you can get an amazing deal on these interest rates thanks to the builder buying down your interest rate. So this is a GRE special you can't get these deals. I challenge our followers to go on the internet and try to find better incentives or deals. And what you're going to see on this webinar, on this online, live special event. So gre webinars.com you can join me as well as our special guest. He heads up the builder. His name is Jim. He's going to be on with me. And please join us at grewebinars.com sign up for this free and live online special event.   Keith Weinhold  41:20   These are some great points. There's a lot of anticipation for Thursday, Naresh. We'll see you then.   Naresh Vissa  41:25   Thanks, Keith.   Keith Weinhold  41:32   Oh yeah, a first person account on Florida life and opportunity from our own Naresh nationally, the build to rent model that has been a real success, building single family rentals with the intent that they are rentals. From day one, over 321,000 homes have been built specifically as rentals this way since 2012, and more than three quarters of those in just the last five years. So the build to rent trend is picking up steam. About 1/3 of Americans rent their home, and although the word rental for some people that still conjures up visions of high rises packed with apartments, but a growing number of today's rentals are these freestanding, single family homes and duplexes like we're talking about today, nestled in suburban communities with top notch schools, and that's why a growing number of mom and pop investors have hopped on the build to rent bandwagon. They take less maintenance. It attracts quality tenants who stay longer, and the rentals have changed, but so had the renters. 20 years ago, it felt like tenants had to rent, like they had no choice. Today, you've got more and more tenants that choose to rent. Many of them make 100k to 125k or more. Today, rentals are cheaper than owning for those people, and they're less of a headache. A lot of them don't want to fix things, and you as the owner, don't want to either. That's why new build is attractive. Then, you know, I just sent that great map to our newsletter subscribers about which states saw the most population gain from 2020 to today, the South had more population growth than every other US region combined, which is jaw dropping and within the South, the state with the most population growth since 2020 is Florida, with An 8.9% population gain in that span, narrowly beating out Texas and South Carolina. By the way, even if it weren't for the attractive builder interest rate near 4% these Sunshine State deals could still make sense. New build single family rentals from the 270s new build duplexes, 395 to 420k low insurance rates, positive cash flow, a builder warranty. And it's really even better than that. These properties are centered on Ocala, Florida, which received national recognition as the fastest growing city for this second year in a row. That's according to a U haul report, and Florida is the epitome of investor friendly. Florida is the first state to enact a law allowing law enforcement to immediately remove squatters. It distinguishes them from legal tenants. You might come to the webinar event, perhaps thinking about 80k or 500k that you want to allocate toward property or maybe nothing and you just want to learn at the event you will evaluate realistic opportunities learn how property management is handled, and understand how today's inventory fits into your disciplined, long term strategy that all takes place on. On Thursday the 19th at 8pm Eastern. It's our biggest event of the year, and it is called Why Central Florida is the year's most compelling housing market. One last time for Thursday, it is gre webinars.com, until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  45:20   You 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  45:52   The preceding program was brought to you by your home for wealth building get richeducation.com  

Guest: Dr. Sharon Lewin is the Director of the Peter Doherty Institute for Infection and Immunity, where her team studies HIV. She talks about the current landscape in HIV research and treatments, and how new therapies could target latent viral reservoirs. Featured Products and Resources: Register now for IMMUNOLOGY2026! Make the Easy Choice. Try EasySep to Win! The Immunology Science Round Up Immunosurveillance in the Skin: A neuro-epithelial axis can tune regional immunosurveillance against melanoma. B Cells in Aging: B cells contributed to the age-related reduction of naive CD4 T cells. The Gut–Brain Axis in Parkinson’s: Muscularis macrophages, housekeepers of intestinal homeostasis, modulate α-synuclein pathology and neurodegeneration in models of Parkinson’s disease. How IL-2 Signaling Regulates Inflammation: IL-2 signaling promotes the generation of IL-10pos age-associated B cells, with implications for autoimmunity and inflammation. Image courtesy of Dr. Sharon Lewin Subscribe to our newsletter! Never miss updates about new episodes. Subscribe

In this workshop replay episode, Kelly pulls back the curtain on how she's monetizing books, thought leadership, and Substack heading into 2026. With two active book launches underway, Kelly shares the exact strategies she's using to turn books into long-term assets that generate daily sales, attract premium clients, and compound authority over time. In this training, you'll learn why books are one of the few truly passive income streams available to thought leaders, how to avoid the most common mistakes authors make after launch, and how to build a "book flywheel" that fuels your entire business ecosystem. Kelly also walks through why Substack has become a cornerstone of her strategy, how her team monetized it to over $10K in 30 days starting from zero, and why serious authors and experts need to be paying attention now (especially as AI reshapes the personal brand landscape). Whether you already have a book, are preparing for a launch, or want to elevate your authority as a category leader, this episode will completely change how you think about publishing, monetization, and legacy building. What You'll Learn Why books are one of the only business models that can become truly passive How to turn books into high-ticket client acquisition tools How to build a book flywheel that drives daily sales and visibility Self-publishing vs. traditional publishing: pros, cons, and strategic tradeoffs Why Substack is emerging as the premier platform for thought leaders How Kelly monetized Substack without personally managing the platform How to connect books, Substack, email, and offers into one ecosystem Timestamps 03:46 – 08:30 Kelly's journey as an author & why books became a cornerstone of her success 08:31 – 13:45 Why books are one of the few truly passive income assets 13:46 – 19:20 The two roles every book should play: income + client generation 19:21 – 26:00 The Book Flywheel: how to sell books continuously without "launching" 26:01 – 32:40 User-generated content, reviews, and relaunch strategies that drive daily sales 32:41 – 38:30 Self-publishing vs. traditional publishing: what no one tells you 38:31 – 45:00 Why Substack is becoming essential for authors and thought leaders 45:01 – 50:40 How Kelly monetized Substack to $10K+ in 30 days starting from zero 50:41 – 54:00 How to integrate books, Substack, and offers into one scalable ecosystem Resources: Register for Kelly's next free, LIVE training on February 10th: Using Your Book to Drive Back End Coaching, Consulting, And Program Sales Growth: https://api.leadconnectorhq.com/widget/form/i0CeiVuacLJ9KdGkg2Eg  Save your seat for the upcoming LIVE Substack Intensive on February 24th (paid + founding Substack subscribers get $100 off -- DM Kelly on Substack for the discount code) https://accelerator.virtualbusinessschool.com/substack  Subscribe to Kelly's Substack as a free, paid, or founding member: https://kellyroachofficial.substack.com/subscribe  Join the Early Access list and be one of the first to listen to Kelly's upcoming book, the Miracle Hour: https://api.leadconnectorhq.com/widget/form/u3RyaGPFchNEHdnSf4lD  Grab one of Kelly's bestselling books: https://kellyroachinternational.com/books/ 

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 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  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   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   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   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  26:51   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   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   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  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Guest: Dr. Rafi Ahmed is a Professor in the Department of Microbiology and Immunology and the Director of the Emory Vaccine Center at Emory University. He talks about his early work on memory T cells and its applications in autoimmune diseases and cancer. Featured Products and Resources: Register now for IMMUNOLOGY2026! Request Your Free EasySep Sample and Enter for a Chance to Win Prizes Worth Up to $3,000. The Immunology Round Up CAR T Therapy for Hemolytic Anemia: CD19 CAR T cells resulted in sustained remission in patients with multirefractory autoimmune hemolytic anemia. (3:05) How Epstein-Barr Virus and Genetics Drive Multiple Sclerosis: A new study provides a new mechanistic link for how the environmental and genetic risk factors may contribute jointly to multiple sclerosis. (8:30) Autoantigens in Multiple Sclerosis: EBNA1 CD4+ T cells can target the multiple sclerosis autoantigen anoctamin-2, establishing a link between Epstein-Barr infection and neuroinflammation. (18:45) Microbiota-Induced T Cell Plasticity: Molecular mimicry between a gut commensal and a tumor antigen can boost the efficacy of immune checkpoint blockade therapy and restrain tumor growth. (26:00) Subscribe to our newsletter! Never miss updates about new episodes. Subscribe

Planting a vineyard is a major investment, and the decisions made before the first vine goes into the ground can determine long-term success or costly failure. In this episode, Fritz sits down with renowned viticulture expert Dr. Mark Greenspan to unpack the most common red flags vineyard owners and operators should watch for when planning a new planting. Drawing on more than three decades of scientific research and hands-on field experience, Dr. Greenspan explains why many vineyard problems originate long before planting day. Fritz and Dr. Greenspan also discuss the dangers of relying on assumptions or neighboring vineyard performance instead of site-specific data and professional evaluation. Listeners will learn why thorough pre-plant assessments — including soil testing, climate analysis, and thoughtful rootstock and variety selection — are essential risk management tools rather than optional steps. This episode is especially valuable for growers considering new vineyard development, replanting existing blocks, or expanding acreage. By understanding these early warning signs, listeners can make more informed decisions, avoid expensive mistakes, and set their vineyards up for sustainable productivity and profitability. In this episode, you will hear: Common red flags that signal potential vineyard failure before planting Why site-specific soil and climate data matter more than assumptions Risks of poor variety and rootstock selection The long-term cost of cutting corners during vineyard planning Practical steps to reduce risk and improve vineyard performance 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.

Bruce & James recap the technology shifts of 2025 and look ahead to what may be ahead in 2026.Resources:Register for the Winter Tech Forum (March 2-6 2026 in Crested Butte, Colorado)The Eternal Return of Abstraction: Why Programming Was Never About CodeThinking in Typesjavadocs.devWhat's New in EmbabelDiscuss this episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠discord.gg/XVKD2uPKyF

If you've ever felt like your small wins don't “count,” this episode will change how you see yourself and your progress. In this special episode, Amy reflects on 2025 and shares her favorite moments and notable wins, and what five years of weekly podcasting have taught her about showing up, gratitude, presence, and letting go.If you've struggled with sacrificing good for the sake of perfection, this one's for you.

Forget motivation — it's not your problem.In this episode, Amy Lang reveals the surprising missing ingredient behind habit success: trust. If your brain feels stuck, overwhelmed, or skeptical about new habits, this one's for you. Amy unpacks how rebuilding self-trust "one marble at a time" can create unstoppable momentum — even when life is busy and chaotic.

A topic that many growers consider but few understand is mothballing a vineyard. In this episode, Fritz covers it all with Dr. Christopher Chen, Integrated Vineyard Systems Advisor with the University of California Cooperative Extension. With economic pressures, market shifts, and operational challenges affecting vineyard owners across the industry, temporarily idling a vineyard can feel like a practical option — but it comes with important agronomic, legal, and financial considerations. Dr. Chen brings a research-based, boots-on-the-ground perspective to the conversation, helping listeners understand what "mothballing" actually means in a vineyard context. Rather than a simple shutdown, he explains that mothballing requires intentional planning to preserve vine health, soil integrity, and long-term viability. Real-world questions growers are asking get answered, such as when mothballing makes sense, how long a vineyard can remain idle, and what minimum maintenance is required to avoid costly problems down the line. Dr. Chen also highlights common mistakes growers make when they cut corners too aggressively, and how those decisions can significantly increase restart costs later. Listeners will walk away with a clearer framework for evaluating whether mothballing is the right strategy for their operation, along with guidance on how to do it responsibly if they choose that path. In this episode, you will hear: What "mothballing" a vineyard really involves Situations where mothballing may make economic sense Minimum maintenance practices to protect vine health Risks related to pests, disease, and vineyard infrastructure How mothballing decisions impact future restart costs 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.

What if the real reason your habits aren't sticking isn't you—it's your implementation plan? Most of us try to create lifestyle change without understanding how our brain actually works. In this episode, Amy shares the neuroscience-backed framework to help you create healthy habits that actually last—without relying on willpower— and shows you how to personalize your plan so your habits become simple, sustainable, and aligned with your goals.What to Listen For[00:45] Building a blueprint for change[04:40] Understanding the architecture of your brain[08:28] Creating a personalized plan[11:43] Mastering your triggers[12:38] Taking binary action[14:15] Embracing a growth mindset[17:01] Connecting with your why[21:45] The quote that perfectly wraps the episodeTo make habits stick, you don't need more willpower and you're lazy or broken, you need a plan that was designed for you. By personalizing your approach using these five 5 steps—rooted in neuroscience, compassion, and self-trust—you'll finally create habits that support your brain health and the life you truly want.Recommended EpisodesWhat's Your Compelling Why (Season 1, Ep 205)The 5 Keys to Staying Motivated (Season 1, Ep 195)How To Get What You Want with James Wedmore (Season 1, Ep 171)

Guest: Dr. Jayne Danska is a Senior Scientist, Genetics and Genome Biology at the Hospital for Sick Children Research Institute. She is also Associate Chief of Research, Faculty Development and Diversity, and Professor at the University of Toronto. Her research focuses on the microbiome in type 1 diabetes. She discusses insights from longitudinal human studies and mouse models. (40:00) Featured Products and Resources: Register now for IMMUNOLOGY2026! Wallchart: T Cell Nomenclature: From Subsets to Modules The Immunology Round Up Vaccination for Anaphylaxis –  A vaccine against IgE protected against anaphylaxis in a mouse model. (2:53) How RSV Can Lead to Asthma – Researchers identified maternal allergy and neonatal RSV infection as converging Fc receptor-dependent risk factors for asthma. (9:50) Antigen Presentation for MAIT Cell Immunity – Macrophages are key for MR1 antigen presentation and MAIT cell immunity. (20:30) HIV Remission after Stem Cell Transplantation – After an allogeneic stem cell transplant, a patient discontinued antiretroviral therapy and sustained HIV remission for over six years. (27:00) Subscribe to our newsletter! Never miss updates about new episodes. Subscribe

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

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

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/  

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/