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John Shea of the San Francisco Standard speaks to the Giants' roster churn as the team looks nearly unrecognizable, plus we discuss Rafi Devers' role as a mentor, if not a leader, on the 2026 team with key players injured. See omnystudio.com/listener for privacy information.

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

Willard and Dibs join Evan and Guru during the Crossover to discuss the latest speculation surrounding Christian McCaffrey and whether he wants a new contract with the San Francisco 49ers. Could the star running back hold out ahead of Week 1 against the Los Angeles Rams? They also discuss the recent report from the San Francisco Standard saying that Tony Vitello will be back next season.

The San Francisco 49ers' 53-man roster battle is heating up as roster cutdown decisions get closer. David Lombardi breaks down his latest 49ers 53-man roster projection, depth chart battles, injury situations and potential surprise cuts as Kyle Shanahan and Raheem Morris continue shaping the roster for the 2026 NFL season. Who's in? Who's on the bubble? And which young players could force their way onto the final roster? We break down the quarterback depth chart behind Brock Purdy, including Kurtis Rourke and Mac Jones, the uncertainty surrounding Isaac Guerendo and the running back room, Deebo Samuel's unique roster flexibility, major offensive line decisions and several intriguing battles on defense. Plus, a closer look at Raheem Morris' evolving “Feverback” philosophy, the competition along the defensive line and linebacker corps, and which young 49ers could make the biggest push before final cuts. KEY TOPICS: • 49ers 53-man roster projection and potential surprise cuts • Brock Purdy, Kurtis Rourke and the quarterback depth chart • Isaac Guerendo, Patrick Taylor Jr. and the running back battle • Deebo Samuel's hybrid role and its impact on roster construction • Will Pauling's path through wide receiver and special teams • George Kittle, Jake Tonges and Luke Farrell at tight end • Enrique Cruz Jr. and the offensive line competition • Nick Bosa, Osa Odighizuwa and the defensive front • Sebastian Valdez vs. James Thompson Jr. for a roster spot • Jaden Dugger, Tatum Bethune and the “Feverback” strategy • Secondary and special teams roster decisions • What to watch during the upcoming joint practices with the Chargers Read David Lombardi's full 49ers 53-man roster breakdown at the San Francisco Standard: https://sfstandard.com/2026/08/16/49ers-53-man-roster-preview-bubble-kyle-shanahan/ Become a channel member for exclusive perks and more 49ers coverage! TIMESTAMPS: 00:00 49ers 53-Man Roster Projection 00:52 Kurtis Rourke & QB Depth Chart 01:34 Brock Purdy & 49ers QB Outlook 02:26 Isaac Guerendo & Patrick Taylor Jr. 03:56 PUP List & Roster Rules 05:52 Deebo Samuel & WR Depth 07:37 Will Pauling & Special Teams 09:05 George Kittle, Jake Tonges & Luke Farrell 11:31 Enrique Cruz Jr. & Colton McKivitz 15:38 Raheem Morris' “Feverback” Strategy 16:29 Nick Bosa & Osa Odighizuwa 18:43 Sebastian Valdez vs. James Thompson Jr. 22:15 Tatum Bethune & Jaden Dugger 30:33 Deommodore Lenoir, Renardo Green & Malik Mustapha 32:58 Corliss Waitman & Jake Moody 34:08 49ers-Chargers Joint Practice Preview 37:46 Alfred Collins Update & Q&A #49ers #SanFrancisco49ers #49ersNews #49ersRoster #NFL #BrockPurdy #DavidLombardi #FTTB Learn more about your ad choices. Visit megaphone.fm/adchoices

The San Francisco Giants lost another tough one in extra innings, and John Shea of the San Francisco Standard wrote that manager Tony Vitello will return next week. Evan & Guru react.

In Hour 1 of Steiny & Guru, Evan Giddings and Daryle 'The Guru' Johnson discuss the recent report from the San Francisco Standard indicating that manager Tony Vitello will return to the San Francisco Giants next season. They also discuss why the Giants wouldn't hire Tony Vitello to only be a one-year manager without letting him learn from his mistakes.

In Hour 1 of Steiny & Guru, Evan Giddings and Daryle 'The Guru' Johnson discuss the recent report from the San Francisco Standard indicating that manager Tony Vitello will return to the San Francisco Giants next season. They also discuss why the Giants wouldn't hire Tony Vitello to only be a one-year manager without letting him learn from his mistakes. In Hour 2, Evan and Guru wonder if the San Francisco Giants can turn things around with Tony Vitello at the helm. This comes after a horrific weekend series against the Colorado Rockies in which Vitello called out his club for playing like a "JUCO team." They follow that with a conversation about the San Francisco 49ers, and if running back Christian McCaffrey is holding out for new money instead of dealing with an injury. Will he get his new bag? In Hour 3, Evan and Guru continue breaking down Christian McCaffrey possibly holding out for a new contract ahead of the San Francisco 49ers' Week 1 matchup against the Los Angeles Rams in Australia.

Guru & Bonta chat with The San Francisco Standard's Tim Kawakami about the Warriors public messaging, lack of activity, and the 49ers first week of preseason. Plus, is Steph REALLY as frustrated as the fans?!

Guru & Bonta are wondering why the Warriors front office feel compelled to talk during a down, inactive time before they chat with the San Francisco Standard's Tim Kawakami.

Tim Kawakami of The San Francisco Standard joins Willard & Grandi to talk about Buster Posey's recent moves at the trade deadline, as well as his thoughts on 49ers camp so far and if he is concerned with the amount of injuries so far.

John Shea of The San Francisco Standard speaks to Jeff Kent's induction the Hall of Fame and his thoughts on the Giants roster ahead of trade deadline as players are likely to be moved. After injuries to Casey Schmitt and Harrison Bader, SF looks to replenish system in lost year.See omnystudio.com/listener for privacy information.

John Shea of The San Francisco Standard speaks to Jeff Kent's induction the Hall of Fame and his thoughts on the Giants roster ahead of trade deadline as players are likely to be moved. After injuries to Casey Schmitt and Harrison Bader, SF looks to replenish system in lost year.See omnystudio.com/listener for privacy information.

David Lombardi rom the San Francisco Standard joins the fellas to discuss his insights on the 49ers' prospects and potential challenges to roster and coaching staff. From the return of George Kittle to the potential debut of new players lfrom the draft, there's a lot to look forward to in 2026. The team's defense is also undergoing significant changes, with the addition of new defensive coordinator Raheem Morris. David shares his thoughts on how this change will affect the team's strategy and player dynamics.See omnystudio.com/listener for privacy information.

John Shea of The San Francisco Standard shares his thoughts on the Giants' bullpen, outfield, and manager Tony Vitello. With the trade deadline approaching, John discusses the likelihood of Jung Hoo Lee and Casey Schmitt being traded, and which players might be on the move. We discuss the need for reliable arms and the importance of developing from within. John also discusses the possibility of trading Heliot Ramos, a player who's been below average defensively but has power and club control. John also weighs in on the manager situation, suggesting that if the team continues to struggle, people internally may start questioning Tony Vitello's ability to lead the team. He also shares his thoughts on the umpires' treatment of Vitello after his questionable ejection yesterday.See omnystudio.com/listener for privacy information.

With the mlb trade deadline looming, is the pressure is on for SF to make the moves to replenish the farm system? John Shea of the San Francisco Standard shares his insights on the current state the team, including the latest on Matt Chapman's no-trade clause and the potential impact of the trade deadline on the team's future.s.See omnystudio.com/listener for privacy information.

With the mlb trade deadline looming, is the pressure is on for SF to make the moves to replenish the farm system? John Shea of the San Francisco Standard shares his insights on the current state the team, including the latest on Matt Chapman's no-trade clause and the potential impact of the trade deadline on the team's future.s.See omnystudio.com/listener for privacy information.

Sexual assault allegations have upended high-profile political campaigns across the country. This week, Democrat Graham Platner, a candidate for U.S. Senate in Maine, suspended his campaign following an accusation of rape. It comes months after former East Bay Congressman Eric Swalwell's California gubernatorial bid collapsed under similar allegations. Now, a sexual assault allegation has emerged against Manny Yekutiel, owner of Manny's Café and candidate for San Francisco's District 8 supervisor. KQED's Lesley McClurg and Sydney Johnson discuss the fallout. Then, Lesley talks with Hannah Wiley, senior politics reporter at the San Francisco Standard. She recently profiled the 29-year-old Californian who's played a role in toppling the campaigns of Swalwell and Platner. Cheyenne Hunt is using social media to amplify allegations against men and is connecting accusers with lawyers and reporters. Check out ⁠⁠⁠⁠Political Breakdown's weekly newsletter⁠⁠⁠⁠, delivered straight to your inbox. Learn more about your ad choices. Visit megaphone.fm/adchoices

John Shea of The San Francisco Standard weighs in on Tony Vitiello and whether he's the right person to turn things around. The discussion also explores the team's need for pitching and the potential trade of players like Robbie Ray and Luis Arraez. With the trade deadline approaching, the team's front office is under pressure to make some big decisions.See omnystudio.com/listener for privacy information.

As the Giants reach a new low after another ugly loss, John Shea of the San Francisco Standard touches on the team's decision-making process, particularly when it comes to player health and rest. Meanwhile, the team's pitching staff is struggling, and we discuss if it's time to shake things up.See omnystudio.com/listener for privacy information.

John Shea of the San Francisco Standard discusses SF's handling of recent events that have been met with criticism, how it went wrong and what it means for the team's future. We also discuss the team's recent struggles on the field, including a disappointing season and a lack of accountability from some of its players. See omnystudio.com/listener for privacy information.

In Hour1, Greg Silver and Larry Krueger dive into Giants' controversies and discuss the team's leadership and accountability. The conversation also touches on the team's free agency plans, with the hosts discussing the possibility of trading high price players and a recap of last night's win and performance by Robbie Ray. John Shea of the San Francisco Standard discusses yesterday's uncomfortable press conference as well.See omnystudio.com/listener for privacy information.

Cigarettes are cool again…especially with GenZ. Despite decades of anti-smoking campaigns, you're likely to see more young people smoking in films, at bars, on street corners, and in social media feeds. Researchers tie the trend to Y2K nostalgia, soft nihilism, and a turn away from “clean girl” wellness culture. Actual youth smoking rates are still at historic lows, but we'll explore how glamorization complicates the public health conversation around nicotine. Guests: Pamela Ling, professor of medicine, UCSF; Ling studies the tobacco industry marketing strategies targeting young adults, women and other high risk populations Kevin Truong, business editor, The San Francisco Standard; Truong co-wrote the piece "They Know It Kills You. Gen Z is Smoking Cigarettes Anyway" Degen Pener, journalist; Pener wrote the piece "Cigarettes Get a Sequel: Hollywood's 'Cool' Habit Is Back" Learn more about your ad choices. Visit megaphone.fm/adchoices

John Shea of the San Francisco Standard joins Silver and John Dickinson on the latest buzz surrounding the Giants, and gives his thoughts if SF should move on from Logan Webb and other pricey talent as SF hits the road in AtlantaSee omnystudio.com/listener for privacy information.

John Shea of the San Francisco Standard joins Silver and John Dickinson on the latest buzz surrounding the Giants, and gives his thoughts if SF should move on from Logan Webb and other pricey talent as SF hits the road in AtlantaSee omnystudio.com/listener for privacy information.

“The same creative and political forces that gave rise to [San Francisco's] boom nearly engineered its collapse.” — Jonathan Weber In Hitchcock's Vertigo, the quintessential San Francisco movie, the villain points to an old painting of the city and tells Jimmy Stewart that San Francisco has changed. The real city has been lost, he says. Somebody has stolen San Francisco's soul. The veteran tech journalist Jonathan Weber is the latest writer to search for that soul. In City on the Edge: Technology, Politics, and the Fight for the Soul of San Francisco, Weber bemoans the disappearance of the real San Francisco — the city not just of the Beats and the Counterculture but also of ordinary teachers and policemen. We've had thirty years of boom, bust, and Big Tech. The ordinary folks of San Francisco have been replaced by a new class of tech bros. In 1992, just 2% of San Franciscans worked in tech. By 2019 it was 35%. As a longtime San Franciscan, Weber had a front-row seat on the dot-com mania, the rise of social media, Uber and Airbnb, the pandemic's great emptying of downtown, and now the AI boom driven by the San Francisco-based Anthropic and OpenAI. In City on the Edge, Weber argues that the same creative and political forces that gave rise to the boom — the counterculture's anarchic spirit, the city's love affair with eccentricity, the tech industry's utopian self-belief — also engineered its near-collapse. Digital vertigo, so to speak. Once again somebody has stolen San Francisco's soul. Five Takeaways •       From 2% to 35%: The Numbers Behind the Transformation: In 1992, just 2% of San Francisco workers were in tech. By 2019 it was 35%. The book traces how this happened: a city economically troubled in the early 1990s, still reeling from AIDS and the 1989 Loma Prieta earthquake, with its manufacturing base gone and its corporate headquarters thinning out. Into this vacuum came a group of free-thinking technologists immersed in the city's creative counterculture. They invented the contemporary internet. What followed was one of the most rapid urban transformations in American history. •       The Cacophony Society and the Founding of Burning Man: Before the tech boom, San Francisco in the early 1990s had a remarkable underground culture. Weber writes about the Cacophony Society — the group of anarchic free spirits who effectively founded the Burning Man festival. The Cacophony Society emerged from the counterculture of the 1960s through various evolutions — Situationist pranks, urban exploration, radical creativity. Burning Man began as their annual trip to the Black Rock Desert. The spirit of that founding: go somewhere, build something, be someone different, leave no trace. That spirit was the soul of the city too. •       The City of Nostalgia: Always Believing Yesterday Was Better: Weber takes his Vertigo reference seriously. San Francisco is structurally a city of nostalgia — people arrive with a fixed idea of what the city is, and it inevitably becomes something different. The gap between the idea and the reality generates permanent mourning. This is not unique to San Francisco — Trump has built a presidency on the idea that things were better in the 1950s — but it is intensified here by the height of the hopes people bring. The city means something bigger than itself. That is both its greatest asset and its permanent wound. •       The AI Boom and the Coming IPO Earthquake: The current AI boom is, in Weber's reading, likely to be the largest yet. OpenAI and Anthropic are both based in the city. When those IPOs happen, San Francisco real estate — already rising 25–50% in some neighbourhoods, Andrew notes — will go, in Weber's words, “really, really crazy again.” Hundreds of thousands of millionaires will be created overnight. The city is gradually becoming uniformly wealthy. Some of the old tensions may be less intense for that reason. But Weber does not think the cycles are over. The current boom will bust, as all booms do. What comes next is the question. •       Burning Man, the Internet, and the Future of Cities: Weber ends the book at Burning Man. His closing observation: when the internet arrived on the playa, Burning Man lost the sense that it was a separate world — a place where you could be a different person, because nothing from your regular life could reach you. Now everyone has a phone. The privacy is gone. The sense of separation is gone. For cities: part of the power of cities is that they bring people together, and good things arise from that friction. But if technology no longer requires you to be in the same place, cities become less essential. What is the future of the city in the age of technology? Weber doesn't have a tidy answer. Neither does anyone else. About the Guest Jonathan Weber is a veteran technology journalist and the author of City on the Edge: Technology, Politics, and the Fight for the Soul of San Francisco (Atria Books, June 9, 2026). He was the founding editor-in-chief of The Industry Standard, former editor-in-chief of the San Francisco Standard, and covered the technology industry for the Los Angeles Times. He lives in San Francisco. References: •       City on the Edge: Technology, Politics, and the Fight for the Soul of San Francisco by Jonathan Weber (Atria Books, June 9, 2026). •       David Talbot, Season of the Witch: Enchantment, Terror, and Deliverance in the City of Love — referenced in the conversation; Weber's recommended companion read on 1970s San Francisco. •       Ezra Klein and Derek Thompson, Abundance — referenced in the closing exchange. •       Joan Didion, Slouching Towards Bethlehem — the opening epigraph to Weber's book, referenced in the conversation. •       Alfred Hitchcock, Vertigo (1958) — Andrew's reference; the film's own meditation on San Francisco as a city of nostalgia. About Keen On America Nobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brings his pointed Transatlantic wit to making sense of the United States — hosting daily interviews about the history and future of this now venerable Republic. With nearly 2,900 episodes since the show launched on TechCrunch in 2010, Keen On America is the most prolific intellectual interview show in the history of podcasting. WebsiteSubstack

John Shea of The San Francisco Standard speaks to the ongoing struggles of Willie Adames and Rafael Devers as Giants continue to fall further under .500, while giving praise to Jung Hoo Lee and his incredible hot streak that has opened fans' eyes. See omnystudio.com/listener for privacy information.

John Shea of The San Francisco Standard speaks to the ongoing struggles of Willie Adames and Rafael Devers as Giants continue to fall further under .500, while giving praise to Jung Hoo Lee and his incredible hot streak that has opened fans' eyes. See omnystudio.com/listener for privacy information.

The Podcast That Rocked for 6/3/26. 30 Seconds To Mars wants your eye scan info for BOGO free tickets, Knocked Loose hit hard but still working, more.Discussion Topics:30 Seconds To Mars wants your eyescan infoKnocked Loose get knocked down but not outRiot Fest, Power To The People Fest, and whatever the Trump 250 mess will beMastodon return with song tributing Brent HindsSleep Theory issue statement on horrible St. Louis incidentRichard Patrick (Filter) New Industrial EP "A Place To Kill"Upcoming albums/tours/more.SONG OF THE WEEK: Mastodon “Your Ghost Again” https://www.youtube.com/watch?v=pQ65pizgD9IRichard Patrick (Filter) New Industrial EP "A Place To Kill" | Interview 2026 https://youtu.be/h1xEGTN47ts"In recent years, there's been a lot of talk in the music industry about how to combat the bots that routinely buy up concert tickets on behalf of scalpers. One prominent rock band's solution involves ticket buyers having their eyeballs scanned to prove they're human. Thirty Seconds To Mars, the hard rock combo led by actor Jared Leto (who was accused of sexual misconduct by nine women last year), is deploying an online ticketing tool called Concert Kit for their 2027 tour of Europe and the UK. According to the San Francisco Standard, the system involves each customer creating a verified World ID, an encrypted digital passport created by an orb that scans your irises and face. It uses "proof of human" technology developed by Tools For Humanity, a company founded by OpenAI's Sam Altman. To get a World ID, you have to visit an official World store or a partner retailer and have your eyes scanned." (Stereogum)30 SECONDS TO MARS Wants Your Eye Scan For Free Tickets | The Podcast That Rocked

John Shea of the San Francisco Standard speaks to the Giants' inconsistencies and the inability to find a rhythm in 2026. We chat about the importance of playing top prospects like Bryce Eldridge and the potential benefits of giving them more opportunities. The conversation also delves into the team's bullpen and the challenges of managing it, particularly with a first-year manager at the helm.See omnystudio.com/listener for privacy information.

Romy Holland is a Berkeley mom whose meet-cute happened at a raucous sex party. That night she had sex with dozens of men, one of which would become her husband. In this episode, Romy talks about the party in question, from the sexy aspects to the much more awkward ones. Plus she talks about what new motherhood does to desire, and the unexpected emotional toll of an abortion that didn't go as planned.Read Romy's essay “What Nobody Told Me About Abortion“And we first heard about Romy in the San Francisco Standard's story “When A Gang Bang Becomes a Love Story“ Podcast production by Zoe AzulayDeath, Sex & Money is now produced by Slate! To support us and our colleagues, please sign up for our membership program, Slate Plus! Members get ad-free podcasts, bonus content on lots of Slate shows, and full access to all the articles on Slate.com. Sign up today at slate.com/dsmplus.And if you're new to the show, welcome. We're so glad you're here. Find us and follow us on Instagram and you can find Anna's newsletter at annasale.substack.com. Our new email address, where you can reach us with voice memos, pep talks, questions, critiques, is deathsexmoney@slate.com. Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

Romy Holland is a Berkeley mom whose meet-cute happened at a raucous sex party. That night she had sex with dozens of men, one of which would become her husband. In this episode, Romy talks about the party in question, from the sexy aspects to the much more awkward ones. Plus she talks about what new motherhood does to desire, and the unexpected emotional toll of an abortion that didn't go as planned.Read Romy's essay “What Nobody Told Me About Abortion“And we first heard about Romy in the San Francisco Standard's story “When A Gang Bang Becomes a Love Story“ Podcast production by Zoe AzulayDeath, Sex & Money is now produced by Slate! To support us and our colleagues, please sign up for our membership program, Slate Plus! Members get ad-free podcasts, bonus content on lots of Slate shows, and full access to all the articles on Slate.com. Sign up today at slate.com/dsmplus.And if you're new to the show, welcome. We're so glad you're here. Find us and follow us on Instagram and you can find Anna's newsletter at annasale.substack.com. Our new email address, where you can reach us with voice memos, pep talks, questions, critiques, is deathsexmoney@slate.com. Hosted on Acast. See acast.com/privacy for more information.

Romy Holland is a Berkeley mom whose meet-cute happened at a raucous sex party. That night she had sex with dozens of men, one of which would become her husband. In this episode, Romy talks about the party in question, from the sexy aspects to the much more awkward ones. Plus she talks about what new motherhood does to desire, and the unexpected emotional toll of an abortion that didn't go as planned.Read Romy's essay “What Nobody Told Me About Abortion“And we first heard about Romy in the San Francisco Standard's story “When A Gang Bang Becomes a Love Story“ Podcast production by Zoe AzulayDeath, Sex & Money is now produced by Slate! To support us and our colleagues, please sign up for our membership program, Slate Plus! Members get ad-free podcasts, bonus content on lots of Slate shows, and full access to all the articles on Slate.com. Sign up today at slate.com/dsmplus.And if you're new to the show, welcome. We're so glad you're here. Find us and follow us on Instagram and you can find Anna's newsletter at annasale.substack.com. Our new email address, where you can reach us with voice memos, pep talks, questions, critiques, is deathsexmoney@slate.com. Hosted on Acast. See acast.com/privacy for more information.

For most of journalism's history, the article has been the atomic unit of news: a fixed container, written once and served the same way to everyone. That's beginning to change. AI is moving out from behind the scenes, where it quietly powered efficiencies, and into the interface itself, where it can assemble, personalize, and adapt the news to each reader.On this week's episode of Newsroom Robots, host, Nikita Roy speaks with Jim Friedlich, Executive Director and CEO of The Lenfest Institute for Journalism, and Kevin Delaney, Editor-in-Chief of The San Francisco Standard. Earlier this year, The Standard became a part of the Lenfest AI Collaborative and Fellowship Program, funded by OpenAI and Microsoft. As part of the program, it received a grant to build a genuinely AI-native news app, where the article isn't the building block anymore. Instead, the raw materials are atomic like a quote, a piece of data, a few lines of reporting, all assembled by AI into an experience that adapts to each reader. In this episode: 01:47 — What “AI-native” actually means, and the three areas where AI is uniquely good04:56 — “Personalized obsessions” — why readers follow stories, not sections and the app's early results10:00 — Kevin's “news as farming” analogy12:36 — Jim walks through the reader experience of the app15:33 — The shift from Mode One to Mode Two and how the Lenfest AI Collaborative's thinking has evolved26:34 — Atomic content and the reporter's CMS: unlocking the interviews, notes, and quotes that never make the 800-word article42:48 — How they control for accuracy by grounding AI in their own journalism50:28 — Everyday newsroom wins, from a sports contract calculator to “find me a juicy story” in a document dumpThis episode of Newsroom Robots is supported by The Lenfest Institute for Journalism. Sign up for the Newsroom Robots newsletter for episode summaries and insights from host Nikita Roy. Hosted on Acast. See acast.com/privacy for more information.

John Shea of the San Francisco Standard weighs in on the Giants' ongoing struggles, with the team sitting eleven games under .500, suggesting that change is necessary given the lack of success over the past decade.See omnystudio.com/listener for privacy information.

John Shea of the San Francisco Standard weighs in on the Giants' ongoing struggles, with the team sitting eleven games under .500, suggesting that change is necessary given the lack of success over the past decade.See omnystudio.com/listener for privacy information.

Peptides are short chains of amino acids. GLP-1 weight loss drugs are peptides. Insulin is one, too. And there are thousands of others. Now, people are seeking out peptides in the hope of better muscles, better skin, better memory, better…everything. Many of the peptides people wanna try are available for research use only but the Food and Drug Administration might change this. In July, the agency could decide to make about a dozen peptides more accessible by allowing pharmacies to compound and distribute them Marketplace's Stephanie Hughes spoke with Zara Stone, tech culture reporter at The San Francisco Standard, to learn more.

Peptides are short chains of amino acids. GLP-1 weight loss drugs are peptides. Insulin is one, too. And there are thousands of others. Now, people are seeking out peptides in the hope of better muscles, better skin, better memory, better…everything. Many of the peptides people wanna try are available for research use only but the Food and Drug Administration might change this. In July, the agency could decide to make about a dozen peptides more accessible by allowing pharmacies to compound and distribute them Marketplace's Stephanie Hughes spoke with Zara Stone, tech culture reporter at The San Francisco Standard, to learn more.

John Shea of the San Francisco Standard helps Greg and JD dive into the Giants' bullpen woes, discussing how the team's lack of a clear closer has led to a string of blown saves. They also touch on the team's offense, which has been inconsistent throughout the season, and how it's affected their overall performance. Additionally, they discuss the team's decision-making process, including the handling of young players like Bryce Eldridge and the team's approach to developing its prospects.See omnystudio.com/listener for privacy information.

John Shea of the San Francisco Standard helps Greg and JD dive into the Giants' bullpen woes, discussing how the team's lack of a clear closer has led to a string of blown saves. They also touch on the team's offense, which has been inconsistent throughout the season, and how it's affected their overall performance. Additionally, they discuss the team's decision-making process, including the handling of young players like Bryce Eldridge and the team's approach to developing its prospects.See omnystudio.com/listener for privacy information.

Danny Emerman of the San Francisco Standard delves into the details of Steve Kerr's contract extension and what it says about the team's plans for the upcoming season, as well as the factors that contributed to his decision to stay. See omnystudio.com/listener for privacy information.

Danny Emerman of the San Francisco Standard delves into the details of Steve Kerr's contract extension and what it says about the team's plans for the upcoming season, as well as the factors that contributed to his decision to stay. See omnystudio.com/listener for privacy information.

Hour 1: Silver & Krueg hang out on Drew Gilbert's favorite day, hump day, after another Giants win at Dodger Stadium. Although they're still six games below .500, they've now won three straight and the offense continues to lead the way. John Shea of the San Francisco Standard joins the show to sort through the newly hot bats of Rafael Devers & Willy Adames, the plan for Bryce Eldridge, and what to do at the catcher spot once Daniel Susac returns from his rehab assignment.See omnystudio.com/listener for privacy information.

Hour 1: Silver & Krueg hang out on Drew Gilbert's favorite day, hump day, after another Giants win at Dodger Stadium. Although they're still six games below .500, they've now won three straight and the offense continues to lead the way. John Shea of the San Francisco Standard joins the show to sort through the newly hot bats of Rafael Devers & Willy Adames, the plan for Bryce Eldridge, and what to do at the catcher spot once Daniel Susac returns from his rehab assignment.See omnystudio.com/listener for privacy information.

On this week's “Marketplace Tech Bytes: Week in Review,” we'll discuss why Apple is paying a $250 million settlement over its Apple Intelligence tool and its capabilities. Plus, GameStop makes a surprising buyout offer for eBay. But first up: Anthropic, maker of the chatbot Claude, announced a new computing deal this week with SpaceX and its AI division, xAI. Anthropic will get access to SpaceX's Colossus One data center, which will let the company increase how much its customers can use Claude. The deal comes as SpaceX CEO Elon Musk is facing off in federal court against OpenAI and its CEO Sam Altman. Marketplace's Stephanie Hughes spoke about all this with Caroline O'Donovan, AI and technology senior reporter at The San Francisco Standard, who noted that Anthropic's leaders talked about the need for more computing power at their developer conference this week. Check out our YouTube page to watch more episodes of “Tech Bytes.”

On this week's “Marketplace Tech Bytes: Week in Review,” we'll discuss why Apple is paying a $250 million settlement over its Apple Intelligence tool and its capabilities. Plus, GameStop makes a surprising buyout offer for eBay. But first up: Anthropic, maker of the chatbot Claude, announced a new computing deal this week with SpaceX and its AI division, xAI. Anthropic will get access to SpaceX's Colossus One data center, which will let the company increase how much its customers can use Claude. The deal comes as SpaceX CEO Elon Musk is facing off in federal court against OpenAI and its CEO Sam Altman. Marketplace's Stephanie Hughes spoke about all this with Caroline O'Donovan, AI and technology senior reporter at The San Francisco Standard, who noted that Anthropic's leaders talked about the need for more computing power at their developer conference this week. Check out our YouTube page to watch more episodes of “Tech Bytes.”

Nowadays, there is a good chance you have heard - or been in conversations about- all the different ways that artificial intelligence is changing the landscape of work. And it's real.U.S. hospitals have doubled their adoption of AI in two years.Finance companies now execute 70% of equity trades through AI algorithms. And Amazon deployed over 1 million warehouse robots that have boosted productivity per worker by more than 20 times.But journalism is still figuring out what it means. In a recent survey of over 70 countries, nearly 80% of newsrooms had no formal AI policy. KALW is no exception, we are still having very active discussions about the ways AI can or cannot fit into our set of values. To better understand this rapidly changing tool, our live events team put together a panel of people working in different media organizations facing the same question. The panelists were, Katherine Ann Rowlands, who leads Bay City News Foundation, /Ernesto Aguilar of KQED, who oversees content innovation /and Griffin Gaffney, CEO and co-founder of The San Francisco Standard. They were in conversation with KALW's Executive Producer Ben Trefny.In this excerpt, we begin by hearing Gaffney explaining how The Standard is addressing AI in their newsroom. 

Columnist at the San Francisco Standard and Host of The TK Show, Tim Kawakami, joined Silver & JD ahead of the Warriors' upcoming do-or-die play-in game against the Clippers. From Brandin Podziemski seeking an extension to the Warriors possibly pursuing Kawhi Leonard, Kawakami dives into the financial implications, as well as draft lottery scenarios that will have some clarity by the end of this week.See omnystudio.com/listener for privacy information.

Hour 1: Silver & JD recap another disappointing offensive showing from the Giants, who lost 2-1 to the Cincinnati Reds yesterday afternoon. Despite Robbie Ray starting and the Reds having just three hits all game, two solo home runs were enough to outscore the Giants, who have now lost three in a row. John Shea of the San Francisco Standard joins the show to look at Rafael Devers' deep slump, Patrick Bailey's future as a switch-hitter, and potential moves to be made to shake up the outfield.See omnystudio.com/listener for privacy information.

150 years ago this month, Alexander Graham Bell placed history's first telephone call. And even though phones have changed — from a black metal cone mounted on a wooden base to today's all-encompassing smartphones — they've remained a steady presence in our lives. What's the first type of phone you used: a rotary, cordless or the iPhone? How does your relationship with the phone differ from that of your parents or grandparents? We'll discuss what looking back on how we used the phone can teach us about restoring connection and meaning in our lives. Guests: Izzie Ramirez, freelance writer and editor Heather Kelly, technology reporter Emily Dreyfuss, culture editor, The San Francisco Standard; co-host, "Pacific Standard Time" podcast; co-author, "Meme Wars: the Untold Stories of the Online Battles Upending Democracy in America" Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn to code, they said! And then the layoffs started happening...The tech industry is hemorrhaging jobs. According to one estimate, there have been over 700,000 tech workers laid off since 2022. But there was once a time when “learn to code” was the advice de rigueur for laid-off workers, and a lot of resources went into teaching kids computer science. So if a cushy position in tech isn't a “good” job anymore… what is? Brittany discusses this with Rya Jetha, tech culture reporter for the San Francisco Standard, and Natasha Singer, technology reporter for The New York Times and author of the upcoming book Coding Kids: Big Tech's Battle to Remake Public Schools.Support Public Media. Join NPR Plus.Follow Brittany on Instagram: @bmluseFor handpicked podcast recommendations every week, subscribe to NPR's Pod Club newsletter at npr.org/podclub.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy