Podcasts about richest man

What if the blueprint for building wealth hasn't changed in over 5,000 years? In this episode, Gino Barbaro breaks down the timeless principles from one of the most influential personal finance books ever written: The Richest Man in Babylon. While most people believe wealth creation is complicated, involving stock picking, market timing, economic cycles, and advanced investing strategies, the truth is much simpler. The foundation of wealth starts with habits. In this episode, Gino walks through the famous "Seven Cures for a Lean Purse" and explains how they apply to modern investing, entrepreneurship, real estate, financial planning, retirement, and creating long-term generational wealth. Whether you're just beginning your financial journey or looking to strengthen your wealth-building foundation, this episode provides timeless principles that still work today. Timestamps 00:00 – The Wealth Blueprint That Has Worked for 5,000 Years 01:28 – The First Cure: Pay Yourself First 05:54 – The Second Cure: Control Your Spending 07:40 – The Third Cure: Make Your Money Multiply 10:33 – The Fourth Cure: Protect Your Wealth 12:23 – The Fifth Cure: Make Your Home a Profitable Investment 16:06 – The Sixth Cure: Ensure Future Income 17:40 – The Seventh Cure: Increase Your Ability to Earn 19:17 – Practical Wealth-Building Exercises 20:00 – Create a Budget and Track Your Spending 22:30 – Finding the Right Investment Vehicle 24:12 – Avoiding Lifestyle Inflation 26:10 – Open Your First Investment Account 28:00 – Why Financial Education Matters 29:05 – The Importance of Tracking Net Worth 30:05 – Final Thoughts on The Richest Man in Babylon This episode is brought to you by Wheelbarrow Profits. Want to learn how successful investors create passive income, build financial freedom, and scale their wealth through multifamily real estate? Visit Wheelbarrow Profits to access educational resources, training, coaching, and tools designed to help investors take control of their financial future. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This month's Q&A, we're getting into everything: the three books that changed how I think about money, how I went from Goldman Sachs to sick in bed on day one of my own company, and why I still say my biggest do-over would be working for Donald Trump. No scripts, no filters, just me, your questions, and the truth right off the cuff. Please keep submitting your questions below.

You set up your 401(k) contributions years ago. They go out of your paycheck automatically, before you even see the money. You've been doing this for years. And you've been telling yourself you're saving for retirement. You're not saving. You're investing. Automatically, often without much thought, into a market-linked account where the value can drop without you withdrawing a single dollar. https://www.youtube.com/live/ISSLntYMpig That distinction isn't just semantic. It explains why so many high-earning, responsible people feel like they're not making real financial traction even when they're doing everything they were told to do. I've worked with clients across this exact transition for years. And what Bruce Wehner and I talked through on the podcast this week gets to the root of it. Not which products to use. The order. Save automatically. Invest intentionally. Get that order right and everything changes. Key TakeawaysThe Difference Between Saving and Investing (And Why Most People Get It Wrong)What About Inflation?The Language ProblemWhy the Default Financial Playbook Works Against YouThe Automatic Investing TrapThe Syndication Cautionary TaleThe Savings VoidHow the Wealthy Reverse the SequenceThe Personal Economic ModelThe Client Who Saved His Way to RetirementLifestyle Creep: The Silent UnderminerWhy You Save Automatically, and What That Frees You to DoThe Counterintuitive LogicWhat Gets Freed UpWhy Interrupting the Compounding Curve Costs More Than You ThinkWhat Interruption Actually CostsWhat It Means to Invest Intentionally, and How to Know If You AreInvestor DNAReal Due Diligence in the Current EnvironmentSafety, Liquidity, and GrowthThe Savings Vehicle That Bridges Both StagesHow It Works in PracticeThe Death Benefit BackstopWhere Saving and Investing Fit in the Wealth Creator's Cash Flow SystemChange the Order, Change the OutcomeBook A Strategy CallFrequently Asked QuestionsWhat is the difference between saving and investing?Why is automatic 401(k) investing not the same as saving for retirement?How do I start saving automatically?What does intentional investing actually mean?How does whole life insurance fit into saving automatically?Why do wealthy people save before they invest? Key Takeaways Saving and investing are not the same thing. Saving has a dollar-value floor - your $100 stays $100. Investing doesn't - the value can drop without you touching a cent. Most people have been calling one thing the other. The order you do them in determines your financial outcome. The default playbook is: invest automatically first, spend second, save whatever's left. The wealthy do it in reverse: save automatically first, spend from what remains, invest intentionally from the surplus. Automatic 401(k) contributions are investing, not saving - and doing them without due diligence, in a market-linked account you don't control, is a bet most people don't realize they're making. Automating saving is a cognitive strategy, not a cop-out. It removes a high-stakes decision from your mental queue, so your best thinking goes toward evaluating actual investments, where discernment genuinely matters. Interrupting the compounding curve is more costly than it looks. The exponential gains happen late in the cycle. Most people never get there because they restart the clock repeatedly by spending, redirecting, or skipping months. Intentional investing means deploying capital into things you understand, with control, sized to what you actually have, not automatically following historical performance into deals you don't fully understand. The Difference Between Saving and Investing (And Why Most People Get It Wrong) Let's start with a precise definition, because the confusion between these two things is where most of the problem lives. Saving is placing money somewhere it cannot lose dollar value. If you put $100 into a savings vehicle, those $100 will be there when you come back. The amount won't become $60 or $80 because of market conditions. You haven't taken the money out. No one stole it. It's just there, in full, because you put it there. Investing is different. When you invest, you're placing capital somewhere it has the potential to grow, but also to lose value. Not because you withdrew anything. Because the asset itself dropped. You can wake up to an account statement showing your $100 is worth $50, and that's investing. What About Inflation? This is where people push back, and it's a fair point. Inflation erodes the purchasing power of savings over time. That's real. But what often gets missed is that inflation erodes investments too. The same monetary forces that reduce what your saved dollars can buy are working on your invested dollars simultaneously. And an investment loss on top of inflation doesn't solve the inflation problem. It doubles it. Losing hundreds of thousands of dollars in a badly-timed deal isn't an inflation hedge. It's your money going backward at speed. The distinction we're drawing is about the dollar-value floor. Savings has one. Investing doesn't. That's it. The Language Problem The reason this gets so muddled is that the phrase "saving for retirement" has become the universal shorthand for 401(k) contributions, which are, by this definition, investing. Money in market-linked funds can drop. It has dropped. For many people, it's dropped dramatically at exactly the wrong moment. Calling that saving doesn't make it safer. It just makes it harder to think clearly about what you're actually doing. Why the Default Financial Playbook Works Against You Here's how most working Americans handle their money, in order: First, a payroll deduction flows automatically into a 401(k) or similar vehicle before the money arrives in their account. Then spending happens. Then, if anything is left at the end of the month, it might get saved. Maybe. The sequence is: invest first, spend second, save whatever remains. The problem isn't the investing. It's what that order produces in practice. The Automatic Investing Trap That first move, the automatic 401(k) contribution, is made without active due diligence, without specific knowledge of the underlying assets, and without meaningful control over timing or allocation. For most people, the decision is: pick a fund from a list, or accept the target date fund default. That's it. Target date funds are a genuine improvement over doing nothing. They diversify automatically and grow more conservative as you approach retirement. Financial advisors help take emotion out of the process, which matters more than most people realize. These are real improvements. But they don't solve the core problem. You've still lost control of that capital. You face future tax liability. And if you need access to it before retirement, the options are limited, costly, or both. The Syndication Cautionary Tale Bruce has been in over 6,000 client meetings. And one thing he's seen play out repeatedly in recent years is what happens when the "must always be invested" mindset runs into a changing economic environment. A lot of people deployed capital into real estate syndications because the historical performance looked strong and the tax benefits were real. What they didn't fully evaluate was what happens when interest rates rise sharply, and when deals structured around balloon-payment loans need to be refinanced. Rates went up. Sponsors couldn't refinance. Distributions stopped. In many cases, that capital is effectively gone. Not because real estate is a bad investment category. Because people committed capital without evaluating the current monetary environment, and instead relied almost entirely on historical performance as their due diligence. The people who pushed that money in because they felt they couldn't afford to leave it sitting somewhere safe are the ones who lost. Their money didn't just fail to outrun inflation. It evaporated. The Savings Void Because saving is residual in the default sequence, it often doesn't happen at all. By the time spending is done, there's nothing left to put aside. And that's the trap. When a genuinely good investment opportunity appears, there's no capital ready to move on it. The people who can act are the ones who built up savings first - liquid, available, usable cash that's safe and in their control. The others watch the opportunity pass. How the Wealthy Reverse the Sequence The pattern Bruce sees consistently across his wealthiest clients is the opposite of the default. They save automatically first. They determine spending second. They invest intentionally from what remains. The order of priority is reversed, and everything that follows is different because of it. The Personal Economic Model Think of your money as moving through a system. Income arrives. Taxes come out. Then every dollar faces a decision. The first and most important decision isn't to save or invest. It's: how much of this am I going to spend? Spending less than 100% of what you earn is the prerequisite for everything else. It sounds basic, but it's the step most people skip conceptually, even when they think they're doing it.  The Richest Man in Babylon put it plainly: set thy purse to fattening.  A part of all that you earn is yours to keep. Mike Michalowicz made the same argument for businesses in Profit First. If you wait to see what's left after spending, there won't be anything left. There never is. Once you've decided what you're keeping, the next question is the order. Save first, spend from what remains, then invest intentionally from the surplus you've built. The Client Who Saved His Way to Retirement Bruce shared a story that most financial commentators would dismiss as a cautionary tale, but it's actually the opposite. One of his clients kept his 401(k) in a money market account for his entire c

Spencer Vickers began his career at Invesco Real Estate, working across industrial, retail, and multifamily assets on their U.S. platform. He then moved into healthcare real estate acquisitions and development for a group in Dallas before serving as senior analyst at D.R. Horton's multifamily platform in Central Florida. In June 2024, Spencer founded The Fractional Analyst to give independent syndicators and fund managers access to institutional-grade back office support, deal analysis, and investor reporting systems without the overhead of a full-time hire. His team serves clients ranging from individual operators to groups with up to $2 billion in assets under management.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Build back office systems before you need them Use financial modeling to tell a clear deal story, not just present numbers Analyze new supply and absorption trends alongside any target acquisition Source market data from county permits, active brokers, and AI tools Avoid assuming that what got you to your current level will carry you to the next     Topics The Institutional Gap in Real Estate Large operators have dedicated analyst, transaction, and debt teams that most independent operators cannot afford The Fractional Analyst fills that gap by building back office systems, financial models, and investor relations infrastructure for smaller operators What Back Office Support Actually Covers Back office work includes lender reporting, investor distributions, subscription documents, and K-1 management Platforms like Cash Flow Portal and Juniper Square automate much of this, but still require setup, data validation, and ongoing upkeep Financial Modeling and Deal Presentation Many models lack formatting, clarity, and readability, making them difficult to audit or present Spencer's team cleans up models and builds pitch decks that make the deal story easy to communicate to lenders and investors Underwriting With Market Context New supply and absorption trends must be analyzed alongside any target acquisition to properly frame risk A 97% occupied deal can still carry significant risk if thousands of competing units are coming online in the same submarket Finding Market Data County permit records reveal planned new construction in any given area Active local brokers typically already have this data and are motivated to share it AI tools are increasingly useful for pulling and presenting market data, but all outputs require verification before use Who Is a Good Fit for The Fractional Analyst Ideal clients have $50M to $250M in assets under management and are actively looking to scale Operators who are not yet acquiring deals or are unwilling to do the required work are not a strong match Scaling From Syndications to Funds Spencer's team reviewed fund formation documents for a client with over 300 individual syndications preparing to launch his first fund They flagged legal risk items so the client could address them directly with his attorney    

Is the modern money system fundamentally broken and what does that mean for your future? In this episode of the WS Podcast, we break down the key ideas from "Broken Money" by Lyn Alden, exploring how money works, why inflation exists, and who truly benefits from the current financial system. We dive into the reality of a debt-based monetary system, where continuous expansion of money and credit is not a flaw, but a structural necessity. This episode explains: how fractional reserve banking actually works why the system depends on endless debt and monetary expansion how inflation acts as a hidden tax the Cantillon Effect and why not everyone is affected equally how money has evolved as a technology over time Through simple analogies and real-world examples, we explore how currency debasement impacts everyday people, especially wage earners and savers, while benefiting those closest to the source of money creation. The episode also challenges you to think deeper: If nothing stops this system, what does “winning” actually look like? Who should control the evolution of money? And how can individuals protect themselves in a system built on expansion? If you want to understand how money really works, why inequality is rising, and how to navigate the future, this episode is essential listening. All the love, all the power, all of the time! If you'd like to support the podcast, follow this link: https://linktr.ee/w.salski Link to get the book: https://amzn.eu/d/07bsmVRg Related Episodes: "Is the Financial System Rigged?" - https://fountain.fm/episode/K75kd3Ag6VfpehFyKN0w Inflation-focused episode - https://fountain.fm/episode/kO4XWvArvE50vj4l26Au "Why You Shouldn't Buy Bitcoin" - https://fountain.fm/episode/FIM7ht8BaiEFkkqfeaSm "The Creature from Jekyll Island" - https://fountain.fm/episode/vgDpH28sM1q3DbM7h7r9 "The Price of Tomorrow" - https://fountain.fm/episode/Nrkb8qrat8Lk8tnXQFu3 "Let's Talk about Money" - https://fountain.fm/episode/tZY2v4MyKpZLto6U13Bl "Richest Man in Babylon" - https://fountain.fm/episode/rlfySNWAhzPQ2KSe1raT Lyn's Appearance on WBD show: https://fountain.fm/episode/Br9HdJQEm713l54qzn9m Social Media Links: Instagram: https://www.instagram.com/unusual.stories_podcast/ YouTube:https://youtube.com/@w.salskicreativeworks?si=vduv475byjqWChqV Spotify:https://open.spotify.com/show/2bcP2r30SdpUuUCU6Jmnk9?si=5d2a4438ae524b0a Primal.net: @wspodcast

This episode was sponsored by Cardiff, Prosperitas Financial & Jerry Citarella Presents   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ Today's Dropping Bombs episode gets brutally honest about money with Jerry Citarella — 35-year top-percentile financial advisor, bestselling author, and founder of Prosperitas Financial.   Jerry breaks down the pay-yourself-first system most advisors skip, why emotional investing destroys portfolios, the needs-vs.-wants reality check that actually changes behavior, and how to start building wealth even if you're starting late. He also unveils LetsTalk.money — an AI platform built to help people have the hard financial conversations they've been avoiding.   Doesn't matter if you have $500 or $5 million, the principles in this conversation will change how you think about money for the rest of your life.    

Crime on a MondayFirst,  a look at this day in History.Then, Dragnet starring Jack Webb, originally broadcast May 4, 1954, 72 years ago, The Big Stop.  A traffic cop has been shot in cold blood at an intersection...for no apparent reason. Followed by Crime and Peter Chambers starring Dane Clark,  originally broadcast May 4, 1954, 72 years ago, Abigail Chrisenberry.   Peter meets beautiful Abigail Christenberry in a bar. He soon finds himself accused of Abigail's murder!  Then, Frontier Gentleman starring John Dehner, originally broadcast May 4, 1958, 68 years ago, Richest Man in the West.  A rich man named Buck Wharton and his private train are held up by Willy Ringo and his gang of badmen. Followed by Luke Slaughter of Tombstone starring Sam Buffington,  originally broadcast May 4, 1958, 68 years ago,  Worth Its Salt.  Ed Craig is running for delegate to Congress representing Arizona. He also purchases a salted gold mine that is secretly owned by his political opponent.Finally, Claudia, originally broadcast May 4, 1948, 78 years ago, Reviewing the Budget.  David declines a glass of milk. Kathryn Bard and Paul Crabtree star.  Thanks to Bill B for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamCheck out Professor Bees Digestive Aid at profbees.com and use my promo code WYATT to save 10% when you order! 

Story of the Week (DR):Happy (?) May Day MMMay Day 2026: Top CEO pay increased 20 times faster than workers' pay in 2025Rivian Sold 42,247 Cars And Paid Its CEO [RJ Scaringe] $403 Million, Or 15 Jim FarleysComcast Co-CEO Mike Cavanagh Lands $72 Million Pay Package For 2025Google co-founder [Sergey Brin] rips California billionaire tax: 'I fled socialism'ONE-TIME wealth tax: The proposal would impose a 5% tax on net worth above the $1 billion threshold for people who were California residents as of Jan. 1, 2026, with some assets like real estate and certain retirement accounts excluded~$13B, with certain exclusions this figure could drop to $9B (the approximate value of his real estate empire)This is the equivalent of $2,500 if you earn $50,000Ken Griffin slams Mamdani for singling him out as a 'profound lack of judgment,' ripping socialist bentBill Ackman to New York City Mayor Mamdani: Don't scare away the billionaires CEOs got millions after boards ‘neutralized' the impact of tariffs. Some won't say what it was worthRTX CEO Christopher Calio: $27.7 million in compensation last yearAt its January 2025 board meeting, the compensation committee of RTX pre-authorized the removal of tariff impacts on business metrics related to Calio's pay months before President Trump announced a set of sweeping Liberation Day tariffs on April 2, 2025 that upended global supply chains. The RTX comp committee said that the tariff-cost impact “should be neutralized” for determining annual bonus payouts because the tariffs were “externally imposed, unpredictable and unrelated to operational execution.”Calio's annual bonus hit $5.1 million, an 85% increase over the $2.76 million the company paid him the year beforeHow much of that growth was attributable to the tariff exclusion, RTX did not discloseWe spoke to over 30 CEOs and business leaders. Here's what worries them mostA world of constant shocksSupply chains are under strain and getting costlierInflation is testing the consumerAI is an opportunity, but also a threatCyber and trust are keeping CEOs upEnergy security is back at the centerThe leadership playbook is changingThe 'Dirty Secret' Behind AI Layoffs: Forrester Warns Tech Is Often Non-ExistentForrester finds most firms citing AI for job cuts lack the systems to back it up, deepening mistrust over how and why people are being let goExecutives are increasingly blaming artificial intelligence for sweeping layoffs even when the technology is barely in place, Forrester has warned, with analyst J.P. Gownder saying that in 'nine out of 10' such cases the AI capability behind those cuts simply does not existMeta says it doesn't know its ideal size as it prepares to lay off 10% of its staffBed Bath & Beyond CEO: AI will lead to ‘significant reduction in headcount'Sam Altman says he is 'deeply sorry' for failing to alert police ahead of mass shootingSam Altman Issues Grim ApologySam Altman is “the face of evil” for not reporting school shooter, says lawyerSam Altman apologized to the people of Tumbler Ridge, British Columbia, because OpenAI had flagged and banned the suspect's ChatGPT account but did not alert police before the mass shootingApril 28, 2026: Our commitment to community safety“We assume the best of our users, but when we detect that someone is attempting to use our tools to potentially plan or carry out violence, we take action, including revoking access to OpenAI's services.”“We use automated detection systems to identify potentially concerning activity at scale.”“When an account or conversation is flagged, it is assessed in context by trained personnel. These human reviewers are trained on our policies and protocols, and operate within established privacy and security safeguards”“When conversations indicate an imminent and credible risk of harm to others, we notify law enforcement.”Zero mention of the Tumbler Ridge massacre, the apology, the lawsuits, etc.Elon Musk's trial against Sam Altman to reveal the ongoing power struggle for OpenAIMusk is suing Altman, OpenAI, and Microsoft over the claim that OpenAI abandoned its original nonprofit, “benefit humanity” mission and instead became a profit machine, while OpenAI says Musk is really trying to slow a competitor he helped createThe courtroom tone has been described as unusually messy and theatrical, with the judge reportedly telling both sides to stop acting out on social mediaThe judge told Musk to cool it on the “robot apocalypse” and “Terminator” talk.Musk lawyer says OpenAI 'stole a charity,' as trial against AI firm, Sam Altman beginsWorld's Richest Man, Least Generous? Elon Musk Tops Forbes 'Least Philanthropic' ListForbes' analysis concludes that Elon Musk has given around $500 million 'directly to those in need' — a sum that sounds enormous in isolation yet, by the magazine's maths, represents just 0.06 per cent of his reported wealth. In other words, for every $1,000 attached to his name on paper, roughly 60 cents has so far gone, in clear line of sight, to people or causes that can be classed as receiving direct help.Jerome Powell says he will continue to serve as a Fed governor, calls Trump criticism 'unprecedented'Powell says he's staying on as a Fed governor after his chair term ends, which blocks Trump from simply creating an empty seatPowell says the pressure campaign is unprecedented and threatens the Fed's independence.Bessent Says Powell Staying On Is ‘Violation' of All Fed Norms“It's highly unusual for someone who says he's an institutionalist and cares about norms at the Fed. This is a violation of all Federal Reserve norms.”“I think it is an insult to Kevin Warsh, Miki [Michelle] Bowman and Chris Waller to think that these other Republican nominees do not care about the institution of the Fed and that he alone can maintain the integrity of the Fed.”Trump Takes a ‘Wrecking Ball' to Independent Scientific Advisory BoardThe DEI death blow: “We Could See the Largest Drop in Black Representation Since the End of Reconstruction”Much like dual class shares: The erosion of the Voting Rights Act directly dilutes the collective political power of Black communitiesThomas Dartmouth Rice ("The two most popular characters in the world at the present time are [Queen] Victoria and Jim Crow.") received some formal education in his youth, but ceased in his teenage years when he acquired an apprenticeship with a woodcarver named DodgePentagon inks deals with seven AI companies for classified military workOpenAI, Google, Nvidia and others agreed to ‘any lawful use' of their tech. Anthropic, feuding with Pentagon over potential AI misuse, was not includedGoodliest of the Week (MM/DR):DR: France unveils plan to ditch all fossil fuels by 2050a “first of its kind” plan to phase out coal by 2030, oil by 2045 and gas by 2050 during a global conference aimed at breaking reliance on fossil fuelsMM: War on Social Media: Greece to ban anonymity on social media DRI seriously might move to GreeceMeta's threat to quit New Mexico ‘is showing the world how little it cares about child safety,' AG saysAssholiest of the Week (MM):Disney's spineless chair James Gorman DRABC can beat Trump FCC's license threat if owner Disney is willing to fightThe man who was the savior picking the new CEO, when asked what he thinks of the attack on Kimmel and Disney's ABC (again), said, “It's the job of the CEO with their team to figure out the right answer and they'll be guided by the board”, and then declined to say what advice he or the board would give regarding the “Jimmy Kimmel Live!” show.“We have a terrific new CEO, Josh D'Amaro, he's world class so I'm sure he'll rise to the occasion and do what the right thing is.”Here's a glow up of Gorman choosing the new CEO:James P. Gorman, former head of Morgan Stanley, became Disney's chairman a year ago with succession at the top of his to-do list. The 67-year-old Australia native comes with strong opinions and sterling credentials: He helped stabilize, then revitalize the Wall Street bank during his 14 years in the C-suite, retiring in December 2024 after orchestrating a seamless baton pass.“I don't know that there's anyone who could have navigated these kinds of leadership transitions better than James,” Wharton School Dean Erika H. James said in an interview. “He's not afraid to do the hard things.”James was on the board of Morgan Stanley with GormanSo the board abdicates all responsibility? They bow out? Without Ken Doll Bob Iger around they have no part to play anymore?“Even after paying off the president last year, ABC is once again under attack by this administration,” Sen. Adam Schiff (D-Calif.) wrote yesterday. “This should be a lesson to all who capitulate to the president: You cannot buy his favor, you can only rent it.”Even the fucking CATO INSTITUTE weighed in: FCC's Punitive Review of ABC-Disney's Broadcast Licenses Shows Need to Protect Free Expression“Punishing a media organization, no matter what one thinks of their reporting or programming, is an affront to the right of Americans to speak and listen to whatever speech they wish”AI OverloadPopular pasta sauce brand is launching new device to record conversationsPrego owned by Campbells selling a puck that sits on your dinner table, records the conversation, and offers “conversation prompts”When a soup company thinks the answer to AI in soup is a fucking device sitting on your table, listening to you, when we're already surrounded by our tech overlords doing the same thing, we know we've jumped the sharkChip Wilson and the male CEO industrial complexLululemon Founder Takes Aim at New CEO Pick, Escalates Proxy FightChip uses “governance” as his main angle of attack without acknowledging that 50% of the board he hates, including the chair, HE HAND PICKED HIMSELFWall Street sank the shares more than 13% on the announcement of Heidi O'NeillCritiqued her tenure at Nike pushing “direct to consumer” - without acknowledging that Nike is a dual class controlled company with the company founder's nepo baby on the board AND an executive chair (Mark Parker) AND the current CEO (Elliott Hill)Do you think O'Neill made the decision in a vacuum by herself? She's an NEO under not one but THREE leaders - and in 2025 she got a massive stock award (11.4m) to keep her around. She also has a babysitter - she was head of Consumer, Product, & Brand, but there was Craig Williams, Chief Commercial OfficerIs this anything but fucking white dude manbaby sexists anymore?60% female board who just added another woman of color to go above that, +8% gender power gap, 70% female influence - the analytics suggest they are not deferential to the CEO, the only merit director on the board are womenWhile dude analyst Bill Campbell at Paragon Intel said, “she does not look like the obvious architect of the deeper reset this moment demands,” William Blair analyst Sharon Zackfia said, “She brings a significant breadth of knowledge in women's performance apparel and her experience accelerating speed-to-market is particularly welcome at lululemon where lead times have ballooned to about 24 months.”Reading the timeline of interactions, Wilson just sounds like a fucking baby, complaining the board isn't talking to his people enough, they don't respond quickly enough, even as every time he doesn't get his way he publicly says the board sucks but commits to the chair he wants to have “constructive” dialogue. Then the board offers him board seats if he just shuts the fuck up, and he says he won't agree to shut up but they should give him the board seats anyway.Headliniest of the WeekDR: Lululemon's New CEO Is Already in the Hot Seat—and She Hasn't Even StartedMM: 51% of U.S. employees have cried at the office within the last month, according to a new reportWho Won the Week?DR: Only Elon Musk can fire Elon Musk from SpaceX, filing showsMM: Earth - SpaceX ties Musk compensation to Mars colonization goal, which I assume can only mean if Musk himself colonizes Mars he gets paidPredictionsDR: Billionaires start to introduce their own taxes on “normal” people, like: Sidewalk Wear-and-Tear Tax: charged per step, tracked via mandatory Smart Shoes™ and a Public Bench Depreciation Fee: sitting longer than 90 seconds counts as an “asset strain,” tracked via mandatory Smart Boxer Briefs™MM: Because Jamie Dimon says bureaucracy sinks companies and the solution may be getting rid of the ‘jerks' who don't want to solve it, JPMorgan begins firing the 51% of jerks who cried in the office this month.

In this episode of The Practical Wealth Show, Curtis breaks down why most debt payoff plans fail—and why throwing extra money at debt without fixing your cash flow structure keeps people stuck in the same cycle. Most people don't have a debt problem. They have a cash flow control problem. That's the real issue. Using lessons from The Richest Man in Babylon and the Babylon Debt Paydown Method, Curtis explains why traditional debt strategies fall apart, why budgeting alone doesn't work, and what actually creates lasting financial freedom. In this episode, you'll learn: Why debt is a symptom, not the root problem Why most debt payoff plans fail even when they "work" The real reason people pay off debt and fall right back into it How the Babylon 10/70/20 method restores order to your money Why cash flow control matters more than debt reduction How to build liquidity while paying off debt Why financial freedom starts with structure, not sacrifice If you've ever said: "I make good money, but I don't know where it goes" "I paid off debt before and somehow ended up right back in it" "I need a better system, not another budget" …this episode is for you. Debt payoff is not the goal. Restoring financial order is. Get the Babylon Debt Paydown Worksheet and start building real financial control: #DebtPayoff #CashFlowControl #MoneyManagement #ThePracticalWealthShow #InfiniteBanking #FinancialFreedom #DebtFreeJourney #PersonalFinance #MoneyMindset #PracticalWealth

If you have an income, you already have the #1 tool you need to change your financial life. You don't need to make more money first. You need to learn how to manage what you already have.In this episode, I walk through a simple system to take control of your finances. Know your income down to the penny. Know your fixed expenses. Know your variable expenses. Set your goals. And pay yourself FIRST — before anyone else gets a dime.I also walk through The Money Dashboard live and show how a sample couple manages $7,600/month, covers every bill, and still puts $929 toward their goals — a business, financial freedom, a vacation, and personal spending.Your lifestyle will always expand to match whatever's available. That's the problem. This system fixes it. Start with $25 if that's all you've got. The amount doesn't matter — the habit does.Stop giving your money to everyone else and keeping nothing for yourself.

Strafford's Noah Kahan is arguably the most famous musician to come out of Vermont in recent years. A new Netflix documentary, "Noah Kahan: Out of Body," follows the Upper Valley singer-songwriter as he grapples with fame, his mental health and complex family dynamics.Following the meteoric success of "Stick Season" in 2022, Kahan spent the next few years touring, playing increasingly larger venues. This culminated in stops at Madison Square Garden in New York City and Fenway Park in Boston.The "Out of Body" filmmakers joined him for those concerts, but also for many quieter moments at home in Nashville and Strafford. The cameras capture Kahan struggling with body dysmorphia and disordered eating, and trying to write new songs that could survive in the shadow of "Stick Season."The documentary premiered at SXSW last month, where it won an audience award. Its director, Nick Sweeney, made repeated trips to Strafford and the surrounding area during filming in order to better understand his subject.Then; JLee MacKenzie is an animator who grew up in Chittenden County. He was in film school in California when the pandemic hit, so he turned to animation to find a new way to tell stories. MacKenzie's new film is called “Definitely Gangster,” and it just premiered at the Made Here Film Festival. It follows the story of two kids who fly around the world to chase a dream. One of the kids is terminally ill, but the film is still a comedy. It was made with motion capture in a cabin in Worchester, Vermont and features local voice actors.Lastly; Seven Days music editor Chris Farnsworth chats with Vermont Edition managing producer Jon Ehrens about notable new music releases out of Vermont. They discuss Burlington stalwart Bob Wagner's new song "The Richest Man on Earth," and the improbable techno of Roost.World and their single "Genesis." 

Is money really the same as wealth—or have we misunderstood it completely? In this episode of the WS Podcast, Wojciech Salski breaks down the key ideas from Capital Offense by Paul Musson, exploring the true nature of money, the flaws of GDP, and why our current financial system may be fundamentally broken. Most people think of money as wealth. But what if money is just a tool - a claim on real goods and services - rather than value itself? We explore: the critical difference between money and real wealth why creating money without production leads to inflation how the current credit-based system distorts the economy why GDP may give a false picture of economic growth how sound money can protect savings and encourage long-term thinking This episode challenges the way we think about finance, showing how policies that aim to stimulate growth may actually devalue savings, increase inequality, and misallocate capital. We also discuss how sound money systems - historically linked to assets like gold and increasingly to Bitcoin - can act as a disciplining force, limiting excessive money creation and encouraging real value creation. If you want to understand how money really works, why inflation matters, and how to protect your financial future, this episode offers a clear and powerful perspective. All the love, all the power, all of the time! If you'd like to support the podcast, follow this link: https://linktr.ee/w.salski Link to get the book: https://amzn.eu/d/03O7kIHm Mentioned Episodes and Books: Episode with Paul Musson - Inflation-focused episode - https://fountain.fm/episode/kO4XWvArvE50vj4l26Au "Why You Shouldn't Buy Bitcoin" - https://fountain.fm/episode/FIM7ht8BaiEFkkqfeaSm "The Creature from Jekyll Island" - https://fountain.fm/episode/vgDpH28sM1q3DbM7h7r9 "The Price of Tomorrow" - https://fountain.fm/episode/Nrkb8qrat8Lk8tnXQFu3 "Let's Talk about Money" - https://fountain.fm/episode/tZY2v4MyKpZLto6U13Bl "Richest Man in Babylon" - https://fountain.fm/episode/rlfySNWAhzPQ2KSe1raT Social Media Links: Instagram: https://www.instagram.com/unusual.stories_podcast/ YouTube:https://youtube.com/@w.salskicreativeworks?si=vduv475byjqWChqV Spotify:https://open.spotify.com/show/2bcP2r30SdpUuUCU6Jmnk9?si=5d2a4438ae524b0a Primal.net: @wspodcast

When you think of the richest people in history, you usually imagine kings, emperors, or maybe modern tech billionaires.  Yet 500 years ago, one merchant banker from Augsburg may have been wealthier than all of them.  He financed emperors, influenced papal politics, controlled vital mines, and helped shape the future of Europe.  Despite his wealth and power, few people even know his name today. Learn more about Jakob Fugger, one of the most powerful businessmen who ever lived, on this episode of Everything Everywhere Daily. Sponsors Samsara Don't wait for the next accident to take action. Head to Samsara.com/EVERYTHING ButcherBox Get your choice between chicken breast or top sirloin for a year OR ground beef for life, PLUS $20 off when you go to ButcherBox.com/everything Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Mint Mobile Save 50% on Unlimited premium wireless plans starting at $15/month at MintMobile.com/EED Audible Listen to Project Hail Mary Audible.com/hailmary Fast Growing Trees Get 20% off your first purchase when using the code DAILY at checkout at fastgrowingtrees.com/daily Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Discord Server: https://discord.gg/Ds7Rx7jvPJ Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Disce aliquid novi cotidie Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the richest man who ever lived wasn't a tech genius, a Wall Street titan, or a Silicon Valley disruptor? What if he was a 16 year old bookkeeper who studied invoices like scripture and built a $400 billion fortune by doing the opposite of what everyone else thought was smart? John D. Rockefeller became the wealthiest human being in history not by chasing oil wells, but by controlling the choke points everyone else ignored. He bought boring businesses, borrowed aggressively, moved before windows closed, and built a system so efficient that breaking it apart only made him richer. His playbook wasn't luck. It was discipline, leverage, and ruthless clarity about where real money gets made. In this episode, you'll learn: How Rockefeller became the greatest borrower of his generation and why hesitation is its own kind of risk The transportation edge nobody saw that gave him a 10 cent per barrel advantage and $50,000 a year in extra profit The Cleveland Massacre and how he bought 23 companies in 28 days using transparency and data instead of aggression Why discipline was his real competitive advantage and how his chaotic childhood shaped every habit he built Why the next generation of billionaires will be built in boring industries that nobody thinks are glamorous Have you thought about buying a business for years? Main Street Millionaire Live gives you the playbook, mindset, and momentum to finally become an owner. Your real enemy is "someday." Kill it this year → https://contrarianthinking.biz/MSML26_BDYT ___________ (00:00:00) Introduction: The Cleveland Massacre (00:02:06) The Bookkeeper: Do the Plumbing (00:04:02) The Greatest Borrower: Opportunity Has a Clock (00:06:18) The Edge Nobody Saw: Control the Choke Point (00:10:06) The Cleveland Massacre: Negotiate with Numbers, Not Opinions (00:12:48) The Monopoly and the Mask: Control What You Can Control (00:15:13) The Reinvention: Build Freedom, Not Just a Business (00:17:43) The Real Playbook: Build the Machine That Buys Companies (00:19:07) Closing: The Framework for Buying Boring Businesses ___________ MORE FROM BIGDEAL

What are your actual financial goals? Not "I want to be rich" — the real, specific number.In this episode, I break down a powerful principle from The Richest Man in Babylon that changed how I think about money goals. Wishing is useless. A specific desire you can wrap your mind around? That's where fulfillment starts.I share how this applies to your income, your savings, your life — and why you don't need to know the "how" to get started. Write it down. Put your mind to it. And watch what starts showing up.

SummaryClayton reveals the ancient wealth practice of Association, an Indigo Education technique rooted in Chola Dynasty knowledge that costs nothing and can transform your financial life. He tells the story of Aristotle Onassis, the richest man in the world in the 1960s, who said that if he lost everything, he would simply walk into a room full of wealthy people and sit down.Clayton connects this to Napoleon Hill's Mastermind principle, his own experience with his guru Amithaab in Mysore, and the electromagnetic energy fields that shape your reality. Clayton breaks down practical steps anyone can take today: walk into luxury hotel lobbies, visit high-end retail stores, dress the part, and let the energy of wealth begin to reshape your frequency.He also announces the upcoming Academy of Indigo Education, a community and course designed to surround you with like-minded people pursuing wealth, knowledge, and spiritual growth.Clayton's NewsletterJoin Here - Make sure you check "Indigo Education and the Academy"Clayton's BookPurchase HereClayton's Social Media LinkTree | Instagram | X (Twitter) | YouTube | FaceBook | RumbleTimecodes00:00 - The Richest Man's $0 Technique 02:00 - Aristotle Onassis and Association05:26 - The Science of Energy Fields09:45 - You Are Your Five Closest People11:04 - Napoleon Hill and the Mastermind14:59 - Practical Steps You Can Take Today18:03 - The Energy Amplifier: Dress the Part23:00 - Recap and the Academy of Indigo EducationIntro/Outro Music Producer: Don Kin Instagram | Spotify Super grateful for this guy ^Become a supporter of this podcast: https://www.spreaker.com/podcast/traveling-to-consciousness-with-clayton-cuteri--6765271/support.Listen to the Podcast AD-FREE HERE for $4.95/monSign Up for my Newsletter HEREALL Indigo Education Podcasts HEREMy Book: The Secret Teachings of Jesus HEREOfficial Traveling to Consciousness Website HERE

In this episode of The Intentional Clinician Podcast Paul Krauss, MA LPC, sits down with former FBI Special Agent and behavioral expert Robin Dreeke to explore how trust, communication, safety, and deceit show up in everyday relationships and high‑stakes situations. Drawing from his years leading the FBI's Counterintelligence Behavioral Analysis Program, Robin shares practical frameworks for predicting behavior and assessing trustworthiness, while Paul connects these insights to clinical work, trauma, and real-world relational dynamics, including key ideas from Robin's book Sizing People Up: A Veteran FBI Agent's User Manual for Behavior Prediction. Robin Dreeke is a human behavior expert, author, speaker, and retired FBI Special Agent who spent over two decades in federal service, including as Chief of the Counterintelligence Behavioral Analysis Program, where he specialized in building trust and recruiting spies through advanced rapport and communication techniques. He is the author of Sizing People Up, which outlines a practical system for evaluating trustworthiness and forecasting how others are likely to act using six core behavioral indicators, and now teaches organizations and individuals worldwide how to build authentic connections, assess risk, and navigate complex interpersonal situations. Get involved with the National Violence Prevention Hotline: 501(c)(3) Donate Share with your network Write your congressperson Sign our Petition Preview an Online Video Course for the Parents of Young Adults (Parenting Issues) Unique and low cost learning opportunities through Shion Consulting Paul Krauss MA LPC is a Cofounder of Health for Life Counseling Grand Rapids, home of The Trauma-Informed Counseling Center of Grand Rapids. Paul is also a Private Practice Psychotherapist, an Approved EMDRIA Consultant , host of the Intentional Clinician podcast, Behavioral Health Consultant, Clinical Trainer, Counseling Supervisor, and Meditation Teacher. Paul is now offering consulting for a few individuals and organizations. Paul is the creator of the National Violence Prevention Hotline as well as the Intentional Clinician Training Program for Counselors. Paul has been quoted in the Washington Post, NBC News, Wired Magazine, and Counseling Today. Questions? Call the office at 616-200-4433.  If you are looking for EMDRIA consulting groups, Paul Krauss MA LPC is now hosting a weekly online group.  For details, click here. For general behavioral and mental health consulting for you or your organization. Follow Health for Life Counseling- Grand Rapids: Instagram   |   Facebook     |     Youtube Original Music: ”Alright” from the album Mystic by PAWL (Spotify) ”All that we Perceive” from the album The Richest Man in Babylon by Thievery Corporation (Spotify) ”Sky Blue Sky” from the album Sky Blue Sky by Wilco (Spotify)

What if the best financial advice ever written came from ancient Babylon and was published exactly 100 years ago? In this episode, Anastasia and Bill walk through the seven money principles from George S. Clason's classic The Richest Man in Babylon and break down why every single one of them still holds up in 2026. Bill has had his own handwritten notes from this book for decades, and today he brings them to the conversation. They cover: Pay yourself first — why 10% before anything else is the non-negotiable foundation of wealth, and what actually gets in the way Control your expenditures — the difference between what you need, what you want, and what you think you're supposed to have Make your money multiply — what compounding actually looks like over a lifetime, and where to start if you feel like you have nothing to invest Guard your money from loss — what Clason called "romantic desires in investment," and what that looks like today (hint: you've seen it on social media) Own your home, insure your future income, and increase your ability to earn — which of these three is the most underrated in 2026, and why Anastasia and Bill don't agree They also explore a bigger question:  Did George Clason understand the psychology of money before behavioral finance was even a field? Whether you've read the book or never heard of it, this episode will leave you with at least one principle you can act on this week. Enjoyed this episode? Subscribe on Apple Podcasts or Spotify, and share it with someone in your life who needs to hear it:  a friend who's been putting off their finances, a young adult just getting started, or anyone who could use a reset on how they think about money. 

Is there ever such a thing as too much money? For our man Getty, that answer a big fat no.Check out this weeks episode to find out how far J. P Getty was willing to go to save a few pennies... oh, did we forget to mention that he's a billionaire?For an ad-free experience and access to episodes a day before everyone else, consider supporting us on Patreon! Hosted on Acast. See acast.com/privacy for more information.

Meta bought Moltbook which is a social media platform for AI agents. Elon Musk is the richest man alive, worth $839 billion. Fred lists the happiest and least happiest cities in the country.See omnystudio.com/listener for privacy information.

3. The Ghost of Crassus and the Perils of Imperial Hubris Gaius draws a direct parallel between the Iran crisis and Crassus's disastrous invasion of Parthia (modern Iran) in 53 BCE. Crassus, the richest man in Rome, was driven by ego and a desire for military fame to match Caesar. His campaign failed due to poor intelligence, a divided army, and a complete failure to respect the enemy's unique technology. The Parthians utilized highly mobile horsemen and composite bows—a technology disparity that the Romans, overconfident in their traditional legions, could not overcome. Similarly, the U.S. maintains traditional forces while Iran, Russia, and China have developed advanced missile technology to counter American manned aircraft and tanks. Germanicus notes that when ancient emperors faced such "holes," they often sought to "declare victory" and extricate themselves through treaties to save face. However, the current "emperor" is depicted as trapped in a bubble of euphoria and sycophants, possessing a temperament that refuses to yield or "stop digging" despite the rising costs. The debate concludes that without a pathway to a sensible outcome, the U.S. risks a repeat of historical catastrophes where a refusal to recognize asymmetric threats and lack of a clear objective led to total annihilation. (4)1880 CICERO DENOUNCES CATALINE

Hi all.I am sure you don't want to be this man.The irony is we know the story but don't change.What about you?Live with passion and discipline.Dr Sandeep Patil.---------------------------------------------------------------Online live course with me:-Want to speak fluently and confidently?Then join my,"English Communication & Confidence Therapy" -your last hope (No Grammar but a blend of Psychology and Habits-a new approach) No AI, downlodable videos,or apps but Live with me.For more details email to-info@drsandeeppatil.comWhatsApp Rahul sir-+91 70205 71638-----------------------------------------------------------------------------------------------------------------------Stay connected with me:-Facebook: https://www.facebook.com/drsandeeppatil LinkedIn: https://www.linkedin.com/in/drsandeeppatil/Website:- http://www.drsandeeppatil.com/Instagram:-https://www.instagram.com/dr.sandeeppatil

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 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   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   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 and 188 world nations. He has a list show guests and keep 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  1:04   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   Speaker 2  1:38   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  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   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. 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,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Wealth building is not a mystery; it is governed by ancient laws that still apply in 2026. Kris Krohn breaks down the five laws of gold from the financial classic The Richest Man in Babylon, teaching you how to stop trading time for dollars and start making your money work for you. Discover the power of paying yourself first, seeking expert counsel, and avoiding the "impossible earnings" traps that sink most investors.

We're tracing the life of Mansa Musa, the King of the Mali Empire, from his ascent to the throne to the mind-boggling scale of his wealth. We'll follow his legendary Pilgrimage to Mecca, the boom in culture and learning with the rise of Timbuktu, and analyze the incredible power he held! Welcome to HISTORY CAMP!

Best-selling author of the book The Richest Man Who Ever Lived, Steven Scott, joins Marilyn and Sarah in this very special program. Learn timeless truths from scripture to help you navigate life successfully.

In the 1990s, millions of dollars’ worth of gold vanished from the Sydney CBD office of Australia’s richest man - and police believed the thief didn’t act alone. In part two, investigators zero in on a prime suspect known as Mr X, pursuing a theory that someone inside Kerry Packer’s inner circle tipped him off about the gold. As the net tightens, uncomfortable questions emerge about how much Packer himself may have known. In this episode of The Briefing, we continue our break from the daily news cycle and bring you part two of this extraordinary story from LiSTNR’s Crime in Focus. Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastFacebook: @thebriefingpodcastSee omnystudio.com/listener for privacy information.

In the 1990s, $5.5 million worth of gold bullion was stolen from the Sydney CBD office of Australia’s richest man, Kerry Packer. It was a heist so precise it left even professional safecrackers impressed - and suspicious. In this episode of The Briefing, we’re continuing to take a break from the daily news cycle and we bring you part one of this wild story from LiSTNR’s Crime in Focus. Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastFacebook: @thebriefingpodcastSee omnystudio.com/listener for privacy information.

In the 1946 Christmas Classic movie “It’s a Wonderful Life”, the likable George Bailey was disappointed time and time again with how his life was turning out. Making decisions to help others in his small town of Bedford Falls meant putting HIS dreams on hold. He was not satisfied with his life because he longed for a greater purpose. At least, greater in his mind. When Old Man Potter stole all his company’s cash and he was faced with jail for embezzlement, he considered suicide. That’s when his “guardian angel” Clarence helped him understand his real purpose in life. But, the movie stops short of naming the only source of real purpose in life, our savior Jesus. Today we will discuss Jesus, the Bread of Life (John 6:35) as the only source of real purpose, satisfaction and fulfillment.

Pressure teaches. That's where this conversation with David Cone starts—eighteen years old at Michigan, buried in an eighty-concept playbook while sprinting between meetings and class, finding out what leadership and resilience really mean. From Statesboro championships to the QB room with Chad Henne and Ryan Mallett, David shares inside looks at Bo Schembechler's final speech, the evolution from pocket passers to dual-threat maestros, and why the quarterback's eternal pillars—leadership, accuracy, decision-making—outlast every scheme trend.We go deep on the modern game: how Lamar Jackson and Jaden Daniels weaponize space, why rings don't always settle greatness debates, and what rookies face in an NFL that no longer lets them learn in the shadows. Then we turn to integrity and the gambling boom—prop bets, player incentives, and the thin line between entertainment and erosion of trust. If you've ever wondered how to read odds without getting lost or why some controversies hit harder than box scores, you'll find straight talk here.Music is the other half of David's story. He opens up about the classic country and rock DNA—Hank Jr., Waylon, Marty Robbins, Buddy Holly—that led him to write and record “Richest Man in Town” with producer Kent Wells. We unpack how a play-caller's discipline feeds a songwriter's craft, why non-monetary wealth still counts most, and what it's like to cut tracks with Nashville's best. We also don't duck the culture questions: merit in officiating and broadcasting, the cost of softening contact, and how communities choose strength and faith when tested.Hit play for a thoughtful, fast-moving hour on football, music, and meaning with a former Michigan quarterback who can break down coverages and write the hook. If this resonated, follow the show, share it with a friend, and leave a review so more listeners can find us.The Try That in a Small Town Podcast is powered by e|spaces! Redefining Coworking - Exceptional Office Space for Every BusinessAt e|spaces, we offer more than just office space - we provide premium private offices designed for focus and growth. Located in the heart of Music Row, our fully furnished offices, private suites, meeting rooms and podcast studio give you the perfect space to work, create and connect. Ready to elevate your business? Book a tour today at espaces.comFrom the Patriot Mobile studios:Don't get fooled by other cellular providers pretending to share your values or have the same coverage. They don't and they can't!Go to PATRIOTMOBILE.COM/SMALLTOWN or call 972-PATRIOTRight now, get a FREE MONTH when you use the offer code SMALLTOWN.Original BrandsOriginal brands is starting a new era and American domestic premium beer, American made, American owned, Original glory.Join the movement at www.drinkoriginalbrands.comFollow/Rate/Share at www.trythatinasmalltown.com -Browse the merch: https://trythatinasmalltown.com/collections/all -For advertising inquiries, email info@trythatinasmalltown.comThe Try That In A Small Town Podcast is produced by Jim McCarthy and www.ItsYourShow.co

Best-selling author of the book The Richest Man Who Ever Lived, Steven Scott, joins Marilyn and Sarah in this very special program. Learn timeless truths from scripture to help you navigate life successfully.

You hear him every time you turn on the pod and listen to our theme song... and now Ben Rector is in the building again today! We talk about the golden days with young kids, what it's like for creatives being online and keeping up with algorithms, excellence in building a set list, and the way writing music marks milestones and seasons in our lives. His album The Richest Man in the World came out a few months ago and it is SO good. You'll definitely want to listen, as it's also our soundtrack for the Fall season.  We're on Page 109 in our TSF Seasons Guidebook if you're following along with us!  And if you enjoyed this episode, I think you'd also love episode 407 with Dave Barnes.  . . . . . I'm on the road with CAIN for 40 shows this fall-- do you have your tickets?! They're currently just $25 and I promise this is a night you can bring your whole family to. Head to anniefdowns.com/events to find a list of all of the cities and dates! . . . . . Want to watch this episode? Watch on your Spotify App, or head on over to our YouTube Channel and be sure to like and subscribe!  . . . . . Sign up to receive the AFD Week In Review email and ask questions to future guests! #thatsoundsfunpodcast . . . . . Thank you to our sponsors! BetterHelp: Get 10% off your first month at BetterHelp.com/THATSOUNDSFUN.  AG1: Head to drinkag1.com/soundsfun to get a FREE frother with your first purchase of AGZ. Thrive Causemetics: Go to thrivecausemetics.com/TSF for an exclusive offer of 20% off your first order.  Helix Sleep: Go to helixsleep.com/thatsoundsfun for 27% off sitewide! Boll and Branch: Get 15% off plus free shipping on your first set of sheets at BollAndBranch.com/THATSOUNDSFUN. Thrive Market: Go to ThriveMarket.com/THATSOUNDSFUN to get 30% off your first order and a free $60 gift. NIV Application Bible: If you're looking for a new Bible or know someone you'd like to gift a Bible to, I highly recommend the NIV Application Bible! Shopify: Sign up for your one-dollar-per-month trial and start selling today at Shopify.com/soundsfun. NYTimes bestselling Christian author, speaker, and host of popular Christian podcast, That Sounds Fun Podcast, Annie F. Downs shares with you some of her favorite things: new books, faith conversations, entertainers not to miss, and interviews with friends. Learn more about your ad choices. Visit megaphone.fm/adchoices

Elon Musk, Mark Zuckerberg, Jeff Bezos… modern billionaires are in a league of their own. We're often told that wealth comes from hustle, long hours, and smart decisions. But once you reach billionaire level we're no longer talking about salaries, bonuses, or promotions. Take Jeff Bezos, for example. As of April 2025, Forbes estimated his fortune at around $236 billion. For comparison, the median salary in the U.S. is about $60,000 a year. So how long would the average American have to work to earn Bezos-level wealth? The answer: more than 3 million years and that's assuming they never spend a single cent. Who was he? So how did he become so rich? Where did all that power come from? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: How can you keep wasps away? What is attachment theory? What is the best time of day to take a shower? A Bababam Originals podcast written and realised by Amber Minogue Learn more about your ad choices. Visit megaphone.fm/adchoices

The Richest Man in the World, Trump's Buddy Larry Ellison, Will Soon Own Most of the Media and We Will Have Government TV and Wall-to-Wall Fox News | Trump's MAGA Apparatchik Brendon Carr Uses Charlie Kirk to Kill Free Speech | Time For Jimmy Kimmel to Sue the Trump Administration backgroundbriefing.org/donate twitter.com/ianmastersmedia bsky.app/profile/ianmastersmedia.bsky.social facebook.com/ianmastersmedia

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On Episode 447 we talk about living (and now dead) Hollywood legends, the big winners at the 2025 Emmys, and future plans of the son of the newest world's richest man. What We're Watching: Task (HBO) A Working Man Veronica (Netflix) Spinal Tap 2

There is so much information out there, and sometimes, you have to be willing to seek it. When it comes to my life and money, I'm always seeking out education or insight to help me level up. I don't believe in staying stagnant and there's always someone or something that can help me expand my mindset to continue growing. I've read thousands of books in my lifetime, and there are always some that completely change my world. In this episode, I'm sharing 10 book recommendations that have helped me level up personally and financially. These books will no doubt play a role in leveling up your life and money, just like they did for me.   Here's a glance at this episode: [01:50] The first book Raya recommends is Think and Grow Rich by Napoleon Hill. Raya shares how she wished she read this book sooner, but timing was everything. [05:40] The principles shared in The Richest Man in Babylon provide a great financial starting point for anyone looking to understand money. [09:20] After Raya's father passed away, The Power of Now helped her see the beauty in the present, regardless of the grief she felt. [13:00] Embracing uncertainty with faith and grace isn't easy to do, especially if goals aren't achieved. The Joy of the In-Between helps. [16:10] Building strong habits starts with small, consistent actions. Atomic Habits brings to light the importance of slow and steady when growing.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Think and Grow Rich by Napoleon Hill The Subtle Art of Not Giving a F*ck by Mark Manson The Richest Man in Babylon by George Clason The Gap and The Gain by Dan Sullivan and Benjamin Hardy The Power of Now by Eckhart Tolle Live It, Love It, Earn It by Marianna Olszewski The Joy of the In-Between by Ashley Hetherington Profit First by Mike Michalowicz Atomic Habits by James Clear The 12 Week Year by Brian Moran Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

Topics discussed on today's show: National Make Your Bed Day, Photos in Phone, Who's Going To Hell?, 9-11, Charlie Kirk Assassinated, Life on Mars, The Richest Man in the World, Birthdays, History Quiz, Robo Taxi, Paint It Black, Dog Vote, The Golden Bachelor, Movie Reviews, Movie Password, Worry About Kids, Gen Z's, TJ Miller, and Apologies.

Uber is introducing helicopter rides in 2026. Larry Ellison became the richest person in the world. A cruise ship passenger jumped overboard after racking up $16,000 in gambling debt.See omnystudio.com/listener for privacy information.

News with Sean 9-11-2025 …It's been 24 years since 9-11-2021 and We Will Never Forget …For a few moments yesterday, there was a new “Richest Man in the World” …Manhunt underway for the man who killed Charlie Kirk

Dave's Bad Mood, a new richest man, and KMOX Legal Analyst Brad Young!- h1 full 2168 Wed, 10 Sep 2025 21:05:38 +0000 IijATP4NWBYTYhnw5Fjys9Gz5X8lTC1O comedy,religion & spirituality,society & culture,news,government The Dave Glover Show comedy,religion & spirituality,society & culture,news,government Dave's Bad Mood, a new richest man, and KMOX Legal Analyst Brad Young!- h1 The Dave Glover Show has been driving St. Louis home for over 20 years. Unafraid to discuss virtually any topic, you'll hear Dave and crew's unique perspective on current events, news and politics, and anything and everything in between. © 2025 Audacy, Inc. Comedy Religion & Spirituality Society & Culture News Government False https://player.amp

Discord Channel: https://discord.gg/pqKsMKp6SA There's been a shake-up at the very top — the title of world's richest man has changed hands again! On today's show, we'll look at the latest reshuffling on the billionaire leaderboard, what drove the change, and what it says about the shifting balance of power in global markets. We'll also dive into the continued surge of AI data storage and service companies, one of the hottest growth areas in tech right now. From cloud infrastructure to AI-driven demand, we'll break down the stocks and sectors riding this wave. Finally, I'll share my insights as a trader on how these headline stories connect back to opportunities in the markets. #TraderMerlin #WorldsRichestMan #AIStocks #DataStorage #TechStocks #StockMarket #Investing #TradingPodcast   Contact TraderMerlin: Email – TraderMerlin@gmail.com Follow TraderMerlin: Twitter: TraderMerlin - https://twitter.com/TraderMerlin IG: TraderMerlin - https://www.instagram.com/tradermerlin/ FB: TraderMerlin  - https://www.facebook.com/TraderMerlin Live Daily Show:  - https://www.youtube.com/channel/UCczw6L9MSllTvWDK1fNlLrg Trading Applications used: -          Clik -          TradeStation -          Tradingview

In this episode of the Jake & Gino How-To Series, Gino Barbaro shares his top five books for multifamily real estate investing. Whether you're just starting your journey or scaling your portfolio, these timeless reads will give you the mindset, financial intelligence, and negotiation skills needed to succeed in real estate investing. From classics like Rich Dad Poor Dad to powerful guides like Never Split the Difference, this list will help you build wealth and achieve financial freedom through multifamily real estate. Real estate investing is 80% mindset and 20% mechanics, and these books prove it. Gino breaks down why The Richest Man in Babylon lays the foundation of wealth-building, how The Psychology of Money shapes your relationship with finances, and why Think and Grow Rich still influences today's top entrepreneurs. He also covers negotiation strategies from Chris Voss's Never Split the Difference, creative deal structures in Creative Cash, and market analysis insights from Dave Lindahl's Multifamily Millions. Each recommendation gives you the tools to overcome limiting beliefs, understand the rules of money, and master multifamily real estate. If your goal is to create passive income, scale your portfolio, and achieve long-term financial freedom, these book recommendations are your roadmap to success.Connect with Gino Barbaro: gino@jakeandgino.comLearn more at: https://www.wheelbarrowprofits.com We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationWelcome to our latest episode!Join Bronson and Nate for another great episode with Caleb Guilliams, CEO of Better Wealth and author of The AND Asset. Caleb shares his journey from gutting chickens for $1 each to taking over a bank's investment department at 19, and founding Better Wealth at 21 to empower clients with financial clarity and efficiency. Discover the power of whole life insurance and infinite banking, not as an investment, but as a secure, tax-advantaged foundation for storing and leveraging capital (70-90% cash value in year one). Caleb explains its benefits—creditor protection, tax-free growth, and collateral use—while warning against poorly designed policies with high commissions.Learn his value-leverage framework for investing in yourself, the pitfalls of life settlements, and how AI will revolutionize finance by reducing friction and enhancing efficiency.TIMESTAMPS00:41 - Intro: Caleb Guilliams, CEO of Better Wealth 01:09 - Caleb's background: From chickens to banking 03:25 - Taking over a bank's investment department at 19 05:12 - Early influences: Richest Man in Babylon, Good to Great 06:58 - Founding Better Wealth: Financial coaching for clarity 07:42 - Infinite banking: Why wealthy people use whole life insurance 09:38 - Life insurance as a foundation, not an investment 11:37 - Benefits: Creditor protection, tax-free growth, collateral 14:15 - Comparing life insurance to high-yield savings accounts 16:13 - Early cash value: 70-90% liquidity in year one 18:36 - Cons: Initial lower returns, health qualifications 20:52 - Life settlements: Investing in others' policies 23:08 - Life insurance for kids: Building a family bank 25:10 - Life settlements: Ethical and financial considerations 28:08 - Real estate professionals: Is life insurance worth it? 30:35 - Liquidity vs. high-yield savings: Long-term benefits 31:37 - Using life insurance with precious metals for leverage 33:53 - Contrarian belief: You are your greatest asset 37:07 - Value-leverage framework: Investing in yourself 39:56 - Making yourself valuable to valuable people 43:32 - AI in finance: Replacing mediocre services 45:45 - Connect with Caleb: Free book at caleb@betterwealth.com 47:13 - Hosts' takeaways: Efficiency and family banksConnect with the Guest:Email: caleb@betterwealth.comWebsite: betterwealth.comBooks: The AND Asset (available via email request)Youtube: https://www.youtube.com/@BetterWealth#InfiniteBanking#WholeLifeInsurance#FinancialEfficiency#WealthBuilding#TaxFreeGrowth#ValueLeverage#Entrepreneurship

Dustin shared his personal journey from being risk-averse and financially constrained to owning multiple properties and achieving financial independence. He emphasized the importance of building a business mindset, using creative financing methods like conventional loans, DSCR loans, and assumable loans, and leveraging home equity lines of credit. Follow Dustin: Instagram: https://masterpassiveincome.com/instagram Facebook: https://masterpassiveincome.com/facebook Linked In: https://masterpassiveincome.com/linkedin Twitter: https://masterpassiveincome.com/twitter Youtube: https://masterpassiveincome.com/youtube Spotify: https://masterpassiveincome.com/spotify Grab his FREE Real Estate Investing Course: https://masterpassiveincome.com/freecourse or text RENTAL to 33777 For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes Resources and Links Mentioned: * Grab your FREE Budget Starter Kit here: www.budgetsmadeeasy.com/start * Budgets Made Easy Blog: www.budgetsmadeeasy.com/blog * Richest Man in Babylon by George S. Clason (aff

In this episode of Case Studies, Casey dives into one of the most influential books of his life: The Richest Man in Babylon. More than a timeless parable about money, this solo reflection is a breakdown of the seven wealth-building principles that have quietly shaped Casey's financial journey for over two decades. From learning to pay yourself first and live below your means, to the wisdom of only investing with category experts, Casey shares why these simple yet powerful ideas remain the foundation of his personal and professional growth. He unpacks how early exposure to this book became the blueprint for disciplined wealth creation. Through personal anecdotes, hard-earned lessons, and honest reflections on mistakes and milestones, Casey offers an inspiring framework for anyone seeking financial freedom and personal agency. Whether you're just starting out or looking to realign with timeless truths, this episode is a compelling reminder that wealth is built not by luck, but by principle. Hosted on Acast. See acast.com/privacy for more information.

At the end of the fifteenth century, the center of European banking suddenly swung from its birthplace in Italy to south Germany. The key figure in that transition was Jakob Fugger of Augsburg, maybe the richest man who ever lived.Patrick's book is now available! Get The Verge: Reformation, Renaissance, and Forty Years that Shook the World in hardcopy, ebook, or audiobook (read by Patrick) here: https://bit.ly/PWverge. And check out Patrick's new podcast The Pursuit of Dadliness! It's all about “Dad Culture,” and Patrick will interview some fascinating guests about everything from tall wooden ships to smoked meats to comfortable sneakers to history, sports, culture, and politics. https://bit.ly/PWtPoDListen to new episodes 1 week early, to exclusive seasons 1 and 2, and to all episodes ad free with Wondery+. Join Wondery+ for exclusives, binges, early access, and ad free listening. Available in the Wondery App https://wondery.app.link/tidesofhistorySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On today's (Tuesday 2 of 2) Episode of the Steak for Breakfast Podcast, we are covering:    Border Security and Immigration Enforcement are two of the OBBB's biggest components that Americans are excited for as we canvass the media's attempts to slow the Trump Administration's quest to make our borders safe and secure again   The most Powerful Man on the Planet and the Richest Man in the World are feuding again and the OBBB has passed the U.S. Senate and is back in the House for possible reworkings    Guests: In Order of Appearance    All profile handles are for X (formerly Twitter)    Congresswoman Victoria Spartz: (@RepSpartz) U.S. Representative, IN-5   Website: https://spartz.house.gov   Congressman Brad Knott: (@RepKnott) U.S. Representative, NC-13; Member, Republican Study Committee    Website: https://knott.house.gov   Steak for Breakfast: https://stutzman.house.gov   SUBSCRIBE on Apple Podcasts: https://podcasts.apple.com/us/podcast/steak-for-breakfast-podcast/id1498791684   SUBSCRIBE on Spotify: https://open.spotify.com/show/3MXIB2s8IWLoT4tnBMAH9n?si=izN0KShBSAytW5JBBsKEwQ   SUBSCRIBE on YouTube:    Full shows: https://youtube.com/@steakforbreakfastpod   Steak Tidbits: https://youtube.com/@steaktidbits   EMAIL the show: steakforbreakfastpodcast@protonmail.com    Steak for Substack: https://steakforbreakfastpodcast.substack.com   linktree: https://linktr.ee/steakforbreakfastpodcast   MyPillow: Promo Code: STEAK at checkout  Website: https://mystore.com/steak Website: https://www.mypillow.com/steak  Via the Phone: http://mypatriotcigars.com/usa/steak   Man Rubs Enter Promo Code: STEAK15 and save 15% https://manrubs.com   BattleBorn Coffee Roasters enter promo code: STEAK and save 20% off your first order  https://www.battleborn.coffee   New Hope Wellness use this link or enter promo code: STEAK during intake for free consultation and $100 off your first order https://www.newhopewellness.com/steak Call: 1-800-527-2150  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3163: J.L. Collins lays out a sharp and eye-opening warning about the seductive nature of financial scams and the psychological tricks that make them so effective, even on smart, well-intentioned people. Through personal stories and timeless lessons, he reminds us why skepticism and simplicity are our best defense against losing money to con artists in suits. Read along with the original article(s) here: https://jlcollinsnh.com/2012/03/09/you-too-can-be-conned/ Quotes to ponder: "People don't fall for scams because they're stupid. They fall for scams because they're human." "You're vulnerable to cons when you're greedy, when you're desperate, when you think you know more than you do." "The most dangerous person in your financial life is the slick guy in the expensive suit promising you high returns with low risk." Episode references: The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/0451205367 Ponzi Scheme - Investopedia: https://www.investopedia.com/terms/p/ponzischeme.asp The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices