Podcasts about richest man

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  

In this week's episode, we dive into The Four Laws of Financial Prosperity, exploring a timeless framework for building lasting wealth — not just financially, but mentally and strategically.We break down the four core laws outlined in the book and examine how they apply to modern life, where financial pressure, rising costs, and constant distractions make clarity harder than ever. Rather than treating money as a purely technical subject, we explore the deeper principles behind prosperity — discipline, focus, consistency, and intentional decision-making.Throughout the episode, we unpack some of the most common financial challenges people face today: lifestyle inflation, emotional spending, lack of direction, and the tension between short-term pleasure and long-term security. We discuss the psychological battle between instant and delayed gratification, and why mastering that dynamic may be one of the most important wealth-building skills of all.We also explore the importance of setting goals correctly — not vague wishes, but clear, measurable financial targets that align with your values. We reflect on prioritisation: how to allocate time, energy, and money toward what actually moves the needle, instead of reacting to urgency or social comparison.Beyond theory, this episode is deeply practical. We share actionable strategies for strengthening your financial position — from improving saving discipline and managing debt intentionally, to designing habits that compound over time. We examine how small, consistent behaviours often matter more than dramatic, one-time changes.Join us for a grounded and motivating conversation about taking control of your financial future. Whether you're just starting your journey or looking to refine your strategy, this episode offers a structured, principle-based approach to building stability, clarity, and long-term prosperity in an increasingly uncertain world.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.salskiInstagram: / unusual.stories_podcast YouTube: https://www.youtube.com/@WS_PodcastPrimal.net: @wspodcastLink to the book on Amazon: https://amzn.eu/d/02p0hpMSRelated Media: "Let's Talk About Money" - https://open.spotify.com/episode/75naEHqjZy1fcObsjjhFec?si=f1718052b4e240a7"Richest Man in Babylon" - https://open.spotify.com/episode/2xCaqTJupFu7jiIWqNNfPn?si=4e3d087db2664b72"Why You Shouldn't Buy Bitcoin?" - https://open.spotify.com/episode/5puvUXQwUH5GRNgQjVgZL9?si=e4fdf02e266f4e3f"The Bitcoin Standard" - https://open.spotify.com/episode/4AtMl4N6FXmfwo8CVueBvk?si=ce961af3d7df427f"7 Habits of Highly Effective People" - https://open.spotify.com/episode/480WQH0BQVFdshqODbWGji?si=34a20e16a98f44b2"12 Rules for Life" - https://open.spotify.com/episode/6GlA3XhyIhPYkVQJcff3Rz?si=543e8b3677594dc0"Few Words on Energy" - https://open.spotify.com/episode/6h2jGppenfi8O90D8IqhOY?si=39f83394541b4bc7"Successful Year(s)" - https://open.spotify.com/episode/1u1LVAGfTYis4308n9gGat?si=d2a7df0bca904c0e"Price of Tomorrow" - https://open.spotify.com/episode/29MqPQAYk1BttGYCPamwz3?si=a9af7262da334f26

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

David Cone of Crain & Co. joins our show to talk some college football. Also, check out David's latest album , "The Richest Man in Town", on all platforms where music is found! Next we talk some Grizzlies before our Big Number of the Day.

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.

H1-Seg2-Thurs-11/07/25-"Elon Musk is set to be the richest man, the world's first Trillionaire"

Rabbi Feiner shiurim

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

Larry Ellison, the 81-year-old co-founder of US business software company Oracle, briefly became the world's richest man on Wednesday after shares in Oracle surged over 40 percent. The company is predicting that its cloud infrastructure business will grow from $10 billion to $144 billion by 2030, thanks to AI-driven demand for its services. Also in this edition: Cuba suffers another island-wide blackout – the fifth in the past year.

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)

HEADLINES:♦ Prince Al-Waleed Reportedly Files to Acquire 100% of Al-Hilal♦ Humain Officially Launches Arabic AI Chatbot Incorporating Islamic Values♦ Naguib Sawiris Becomes Egypt's Richest Man, Surpassing Brother Nassef♦ UAE Proptech Holo Raises $22 Million Series A to Expand Across GCCNewsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MYLovin 10 Vote Link: https://lovin.co/lovins/?site_id=14

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

Wednesday August 13, 2025 Crypto's Richest Man Campaigns for a Pardon

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.

We don't often value what God values. How do we shift our focus from what the Earth defines as valuable and instead run after the things that God truly values. When we pursue Heavenly treasure, that's when we are TRULY rich.Today Danny Hochstatter helps us discover what matters most in life. If you enjoyed this message, please review and share this message with someone who needs it.Connect with us at www.FamilyLife.ccIf you would like to support our mission financially, here are some ways you can donate to our church:Tap the text to the right to give via our Church Center App.Venmo/Zelle: Send to info@familylife.ccText any amount to 84321Visit www.FamilyLife.cc/Giving for more options.Thank you for listening and thank you for your generosity.

The right resource at the right time can be life-changing for your property, business, and wealth-building journey. Big statement, right?   Speaking from experience, Rob & Rob share their hand-picked, tried-and-tested list of essential books, podcasts, and videos that have shaped their thinking and help drive their success.   Whether you're just starting out, need a dose of motivation, or want to level up your property game, there's something in here for every stage.  (0:54) News story of the week  (2:22) Rob & Rob's life-changing list of go-to resources  (3:35) The perfect reads if you're getting started  (7:44) Already investing but want to sharpen your skills  (9:55) Guidance if you're feeling stuck or unmotivated  (16:33) Economic insights and next-level thinking  (18:22) Resources that will help grow your business   Links mentioned:  BTL lenders lower rates and streamline application processes  Resources for beginners:  Rich Dad Poor Dad | Robert T. Kiyosaki  TPP345: Rich Dad Poor Dad Revisited: 5 essential lessons, and 2 important warnings  The Richest Man in Babylon  TPP393: Ray Dalio: Understanding economic cycles and predicting the future  The Complete Guide to Property Investment – Rob Dix  The Beginner's Guide To UK Property Investing In 2025   You've started but want to improve:  Millionaire Fastlane – MJ DeMarco  7 Myths About Money – Rob Dix  Founders podcast by David Senra  Cashflow Quadrant – Robert Kiyosaki  I need motivation resources:  Shoe Dog – Phil Knight  Can't Hurt Me – David Goggins  Total Recall – Arnold Schwarzenegger   A million miles in a thousand years – Donald Miller   Tony Robbins  Brian Tracey   I'm a veteran and want to be become a better investor:  Richer Wiser Happier – William Green  Lyn Alden's blog  I want to improve my business:  $100M Offers  The ultimate blueprint for an insanely successful business – Keith Cunningham  My First Million podcast  Traction: Get a Grip on Your Business  Scaling Up (Revised 2022)  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest 

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  

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 this episode of the Artful Dollar Podcast, host Ryan Roi continues to share insights from 'The Richest Man in Babylon' by George S. Clason.    Ryan reads from the book and adds his own thoughts, giving you practical steps to build wealth and financial security.    Learn why budgeting matters, how to start saving and investing, and how to protect and grow your money.    This episode is all about giving you real, actionable advice to change your financial habits and achieve lasting prosperity.   PART 1: ‘Lessons from Richest Man in Babylon Pt. 1︱The Artful Dollar Podcast - Ep. 72' Watch now: https://youtu.be/gEzY512v2_I   –——   Chapters: 00:00 Introduction 03:27 Seven Cures for a Lean Purse 14:49 The First Cure: Start Thy Purse to Fattening 21:20 The Second Cure: Control Thy Expenditures 34:35 Investment Advice and Personal Stories 41:15 Leveraging Investments for Business Growth 46:59 Final Thoughts    –——   Are you feeling uncertain about your financial future? You're not alone.    Get clear on what actions you need to take to build financial security and freedom.    Book your Financial Future 1-on-1 Strategy Call Now: https://Theartfuldollarbooking.as.me/?appointmentType=65930199   –——   Hear what people think about what we do at The Artful Dollar: https://www.theartfuldollar.com/testimonials   Find more Artful Dollar podcast episodes on Spotify: https://open.spotify.com/show/4P0j85W6U6tG6KTCTQidL4   –——   Follow me on Instagram-  IG: ryanroitattoo   https://www.instagram.com/ryanroitattoo/   Check out my website- https://www.theartfuldollar.com/   #tattooartist #tattooer #tattoo #tattoos #tattoopodcast #tattootips #tattooadvice #mindset #mindsetshift #financialfreedom #finance #financialliteracy #finance101 #financepodcast

Thank you for joining us for worship this Sunday at Upper Room Church! We would love to hear from you. Comment below and let us know you are watching.   View this week's sermon notes here: https://upperroomchurch.cls.co/CSwb Proverbs & 1 Kings   More about the Nightingale: https://upperroompensacola.com/at-the-nightingale   Join the Legacy Team: https://bit.ly/UR_Join_the_Legacy_Team   Let us know if you are interested in Baptism: https://bit.ly/UR_Baptism   Click this link to Connect with us! https://bit.ly/UR_Connect_with_US   If you would like to join a group or lead a group, find out more here — https://upperroompensacola.com/urgroups/   To support this ministry and help us continue to reach people all around the world, you can give a donation here https://upperroompensacola.com/give/ or text GIVE and the AMOUNT to 84321.   Whether you need prayer or assistance or just want to share your decision of faith with us, please connect with us at https://upperroompensacola.com/get-in-touch/   Streaming License through CCLI https://ccli.com/us/en/streaming    Copyright protection under 17 U.S.C. § 110 - U.S. Code - Section 3

In this episode of the Artful Dollar Podcast, host Ryan Roi explores the powerful concepts from the timeless book 'The Richest Man in Babylon.'    Discover why investing in yourself is the greatest move you can make, and learn actionable steps to ensure your money works for you.    From personal anecdotes to ancient wisdom, this episode inspires you to reflect on your financial habits and take control of your future.    Follow along as we kick off a multi-part series with a reading and commentary on 'The Richest Man in Babylon,' providing modern insights on its age-old advice.   –——   Are you feeling uncertain about your financial future? You're not alone.    Get clear on what actions you need to take to build financial security and freedom.    Book your Financial Future 1-on-1 Strategy Call Now: https://Theartfuldollarbooking.as.me/?appointmentType=65930199   –——   Hear what people think about what we do at The Artful Dollar: https://www.theartfuldollar.com/testimonials   Find more Artful Dollar podcast episodes on Spotify: https://open.spotify.com/show/4P0j85W6U6tG6KTCTQidL4   –——   Follow me on Instagram-  IG: ryanroitattoo   https://www.instagram.com/ryanroitattoo/   Check out my website- https://www.theartfuldollar.com/   #tattooartist #tattooer #tattoo #tattoos #tattoopodcast #tattootips #tattooadvice #mindset #mindsetshift #financialfreedom #finance #financialliteracy #finance101 #financepodcast

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

Dean and Alison catch us up on their recent adventures at the Cherry Blossom Festival (spoiler: it was charming, floral, and probably involved a President's grandchild). We dip a toe into Waltons territory—just don't say the “W” word around Pamela! And we've got an update on Baby Carrie, courtesy of the Greenbush twins themselves.Then it's back to basics with the Season 2 premiere of Little House on the Prairie, “The Richest Man in Walnut Grove.” This episode is a beautiful reminder of the show's core values—delivered with simplicity, warmth, and just enough hardship to cue the waterworks before the opening credits are done rolling. (Yes, it starts with cow-milking. Yes, we're already crying.)The economic woes of the 1870s hit uncomfortably close to home for 1970s viewers—and, honestly, still hit today. Charles is broke (again), Mrs. Oleson is insufferable (as usual), Nellie and Willie are on their villain era tour (standard), and Ma and the girls show up as the resilient queens they are (per tradition). And Miss Whipple? She's quietly running the town with a thimble in one hand and perhaps an illegal mani-pedi operation in her basement. Or is that just Pamela's theory? Regardless... she's a total Boss B.Of course, in true Little House fashion, there's a moral twist: it's not about money, it's about love, community, and the kind of hard-earned respect you can't buy at Olsen's Mercantile. After all, Pa may be broke, but he's rich in love, sweat, and suspenders.Then, join us on Patreon! We answer a Patron's question about Katherine MacGregor that was not addressed on our recent q&a live — and it's a good one!Links and Resources:Haven't signed up for Patreon yet? Link is below!PATREON: https://www.patreon.com/LittleHousePodcastwww.LittleHouse50Podcast.com to connect with our hosts and link to their websites.www.LivinOnaPrairieTV.com  Check out the award-winning series created by Pamela Bob, with special guest stars Alison Arngrim and Charlotte Stewart.Prairie Legacy Productions - the place to go for info about all new Little House events!LITTLE HOUSE ON THE PRAIRIE CAST REUNION Columbia State Historic Park in California's Gold Country!June 6–8, 2025Secure your tickets now through TIXR athttps://plp.tixr.com/little-house-gold-countryTo learn more about Little House on the Prairie, Visit www.littlehouseontheprairie.comLittle House 50th Anniversary Bus Tours - www.SimiValleyChamber.org  select Little House 50th Anniversary and then Bus TicketsFacebook/Instagram/TikTok:Dean Butler @officialdeanbutlerAlison Arngrim @alisonarngrimPamela Bob @thepamelabob, @prairietvSocial Media Team: Joy Correa and Christine Nunez https://www.paclanticcreative.com/

If you've ever felt like you're making good money but not keeping enough of it, this episode is for you. Profit First expert and author David Richter unpacks how real estate investors—especially those in self-storage—can implement a simple yet powerful financial system to gain control of their cash, build wealth, and finally stop operating in the dark. Whether you're new to the Profit First method or need to get back on track, this episode will show you exactly where to start. KEY TAKEAWAYS Profit First: What is it, and how does it work? The “Golden Trio” accounts every business should have Biggest mistakes real estate investors make with Profit First Recommended account percentages for real estate operators How to prepare for CapEx and debt service using Profit First What a fractional CFO really does and how to know if you need one   RESOURCES/LINKS MENTIONED Rich Dad Poor Dad by Robert T. Kiyosaki | Paperback and Kindle  Profit First by Mike Michalowicz | Hardcover and Kindle  The Richest Man in Babylon by George S. Clason | Paperback, Hardcover, and Kindle  The Psychology of Money by Morgan Housel | Paperback, Hardcover, and Kindle  Profit First for Real Estate Investing by David Richter | Paperback and Kindle    Get David's Profit First resources and learn how to implement this game-changing system in your business today. Visit simplecfo.com/gift to download the FREE ebook, audiobook, and 1-page cheat sheet!   TWEETABLES "The three most important numbers in your business, cash wise, is what you make, spend and keep." - David Richter "If you think you're in self-storage, if you think you're in real estate, you're not, like, that's just the vehicle. The real game that you're playing is the game of money." - David Richter "Make profit a habit, not just a one off thing, like not an event that just is someday in the future. So make profit a habit in your business." - David Richter   ABOUT DAVID RICHTER  David is an active real estate investor who has played a key role in closing over 850 deals in the past 10 years. His experience spans across various strategies, including wholesale, turnkey, BRRRR, owner finance, rentals, lease options, and virtually every exit strategy imaginable.    While growing a real estate business from 5 to over 25 deals a month, David realized that despite the large sums of money coming in, it was quickly going right out the door. Having had the unique opportunity to sit in every role within a real estate company, he discovered his true calling in the finance seat-helping businesses understand where their money was really going.    David has successfully helped real estate companies avoid going out of business by building cash reserves and implementing the Profit First cash flow system. His expertise has been showcased on BiggerPockets, Real Estate Disruptors with Steve Trang, and many other prominent podcasts, shows, and stages.   As the founder and owner of SimpleCFO Solutions, David is committed to bringing real estate investors true financial clarity and freedom, ensuring they stop living from deal to deal.   CONNECT WITH DAVID  Website: SimpleCFO Solutions

Trump's Escalating Trade War Against Canada Has the Business Roundtable He's Meeting With Nervous | Trump Tries to Deport a Student Protester With a Green Card He Labels as "Pro-Terrorist, Anti-Semitic and Anti-American | As Tesla Stock Plunges by 40%, the World's Richest Man is Beginning to Feel a Reversal of Fortune backgroundbriefing.org/donate twitter.com/ianmastersmedia bsky.app/profile/ianmastersmedia.bsky.social facebook.com/ianmastersmedia

RESOURCES- Get your FREE Abundance Visualization at danetteaudio.com today!- Boost your wellness this spring with PURALITY HEALTH's Ashwagandha. For a limited time, enjoy our Buy One, Get One FREE offer! Shop now at https://longevityroot.com/danettemay- Free of artificial flavors, sugars, and dyes- It's only 5 calories per serving, and every order comes with a 365-day money-back guarantee so you can try it risk-free. Visit https://nativehydrate.com/DANETTE to see what Native Hydrate could do for your health.CONNECT WITH DANETTEInstagram: @thedanettemayFacebook: Danette MayTikTok: @thedanettemayNEW TV Show on Youtube: @TheDanetteMayListen to The Danette May ShowRead my book: danettemay.com/embraceabundancebookGet The Rise book: therisebook.comWork with Danette: danettemay.comIn this episode of The Danette May Show, I share how I was unknowingly blocking myself from creating financial freedom for the longest time and how I finally broke through that barrier. I dive into powerful journaling prompts you can use to rewrite your subconscious beliefs about money and let go of any limiting financial stories. I discuss the profound impact of the subconscious mind on our financial reality and how to recognize and rewrite negative thoughts and beliefs. I also explain why gratitude is such a vital step toward financial abundance and how to mentally connect with having money. Finally, I share the valuable lessons I learned from The Richest Man in Babylon and how those teachings have shaped my approach to wealth. Tune in for practical steps that can help transform your relationship with money.IN THIS EPISODE:(2:39) I was blocking myself from creating financial freedom for the longest time(5:03) Write the following prompts in your journal in order to rewrite your subconscious in regards to finance(10:27) The subconscious plus print and how it affects us (11:48) Take negative stories and thoughts and rewrite them (15:57) Reread the stories to take out the power of the thoughts(16:32) The importance of having an attitude of gratitude (17:52) Connect yourself mentally to having money (20:32) What The Richest Man in Babylon from George S. Clason taught me

Click here to listen to the full episodeIf people really understood the crippling effects of consumer debt they'd get out of it and stay out of it forever. In this episode, Brian explains simple techniques to help you finally get rid of debt and create wealth. YOU WILL LEARN:· Why consumer debt is so insidious.· How a snowball plan can help. · Why you must invest to grow. MENTIONED IN THIS EPISODE: itsagoodlife.com“The Richest Man in Babylon,” by George S. ClasonNOTEWORTHY QUOTES FROM THIS EPISODE: “Ignorance isn't bliss, ignorance is poverty.” – Brian Buffini “Debt borrows from your future.” – Brian Buffini “Getting rich is easy. The problem is, getting broke is easier.” – Brian Buffini “Buying on an installment plan makes the month shorter, but it makes the years a lot longer.” – Brian Buffini “The greatest way to stay out of debt is to build wealth.” – Brian Buffini “If you discipline yourself now you can have everything you want later. Just delay that gratification.” – Brian Buffiniitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

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Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you've got a lot of money or a little, many of us face the same mental financial challenges—anxiety, shame, and stress—but it doesn't have to stay this way. Today's guest is living proof that change is possible. After completely turning his financial life around, from maxed-out credit cards, a rock-bottom credit score, repossessions, and empty bank accounts, to achieving financial success, he now teaches others how to do the same. Steven Hughes, a money therapist, focuses on uncovering the financial beliefs shaped during childhood. Steven recognized that the negative money mindset affecting him in his youth also impacted countless others. To address this, he founded the non-profit “Know Money” to help people cultivate a stress-free, anxiety-free, and guilt-free perspective on money, empowering them to achieve true wealth—both mentally and financially. Do you feel like, even though you've got money, you're constantly worrying or unable to keep a cent in your bank account? Steven provides practical tools to help you finally break free from an unhealthy money mindset. In This Episode We Cover How to find the “root” of your money fears and address it once identified Why some people with extraordinary incomes struggle to save money Healthy vs. unhealthy financial emotions and ways to stop feeling guilty about success Tools to manage your emotions around money so you can truly enjoy your wealth The “family fund” that empowers you to give generously without being taken advantage of And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Steven's Website Steven's Affirmations Groove Money Land More Off-Market Deals with Crucial Property Owner Contact Information from DealMachine Grab Your Copy of “The Richest Man in Babylon (BiggerPockets Edition)" Find an Investor-Friendly Agent in Your Area How to Use Your Financial Fears to Build Wealth Better (00:00) Intro (01:13) 7 Maxed Out Credit Cards?! (05:56) Teaching Others to Avoid His Mistakes (07:34) Identifying Your Money "Root" (10:08) Getting Out of Debt (11:55) Financial Therapy (16:28) Mental Money Challenges (18:53) Healthy vs. Unhealthy Money Emotions (22:24) What to Do AFTER FIRE (25:46) Tools to Manage Money Emotions (32:34) Family Asking for Money? (38:34) Connect with Steven! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-600 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices