Podcasts about Savers

Starting your weekend off right, with the king of mindset. We had to replay this one because it's too goo not to!Meet a man who makes miracles happen. Today, I'm joined in the studio by Hal Elrod, author of the international bestseller The Miracle Morning and his newest book, The Miracle Equation. After overcoming multiple near-death experiences and financial hardships, Hal channeled his adversity into helping others overcome their own challenges. His Miracle Morning approach has impacted millions of lives.On today's episode, Hal tells us all about his updated version of The Miracle Morning. He explains SAVERS, the six foundational practices that will transform your morning and change your life. We also talk about tips for hacking your sleep, productivity, and relationships. Hal shares the stories of his devastating car accident and rare cancer diagnosis—and the superpowers he gained from coming back to life. We explore how these near-death experiences changed his perspective on life and what he values most. He also tackles some tough questions… Should we try to help everyone? What does it mean to be a “man”? And what does it take to truly serve others? There's so much to take away from Hal's refreshing and optimistic perspective. (00:03:20) Creative Ways To Hold Yourself Accountable(00:13:57) Ditching Veganism(00:21:08) Hal's Near-Death Experiences(00:27:35) Taking Your Health in Your Hands(00:29:37) Did Hal Come Back With Superpowers?(00:31:55) Are You Supposed To Help Everyone?(00:40:51) How the Miracle Morning Changed Hal's LIfe(00:43:42) What Does It Mean To Be a “Man”?(00:51:25) Customizing Your Morning To Meet Your Needs(00:54:05) The Six Savers for Success(00:56:53) Tips To Save Your Sleep(01:01:51) The MVP of Personal Development Practices(01:06:14) Nourishing Our ConnectionsSponsors-Download Dave's Free Peptide Guide at daveasprey.com/peptide-guide.-The One Device | Use code DAVE for $10 off at theonedevice.com/dave-iRestore | Unlock your best hair & skin with @iRestorelaser and HUGE savings on iRESTORE with code DAVE at irestore.com/DAVEResourcesDave Asprey's NEW Book ‘Smarter Not Harder' is out now: https://daveasprey.com/books Read: The Miracle Morning and The Miracle EquationWebsite: halelrod.comFacebook: Hal ElrodX: @HalElrodYouTube: @HalElrodSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hour 3 - Coco gives you the news for the morning. An update on the Lindsay Clancy trial and flock cameras getting cops in trouble. Greg needs a douche move ruling on people who save spots on the beach.

In this series, Going Deep, we'll be doing bite-sized explorations into the most interesting industries, businesses and economic events in Australia and around the world. For today's episode, we're looking at the NBN - Australia's national broadband network. In particular, how a $43 billion promise to give every Australian world-class internet became a $57 billion lesson in what happens when you overpromise and under-deliver. In this episode, Brett and Justin explore what was originally promised, what actually got built, what it's cost us... and whether Australia can still claw its way back to where it should have been all along. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Behind the scenes with Tevis production expert Brenna Sullivan to learn how they manage live-streaming from the rugged, remote Sierra Nevada mountains. Karen shares her challenging experience at the Tahoe Rim 50, followed by a comprehensive recap of the historic 70th Anniversary Tevis Cup, including top finisher highlights and milestones. Listen in….HORSES IN THE MORNING Episode 4016 – Show Notes and Links:HORSES IN THE MORNING Endurance Day crew: co-hosted by Glenn the Geek and Karen ChatonTitle Sponsor: Farnam and Endure Gold Killer Fly & Mosquito ControlSponsor: The Distance DepotGuest: Brenna Sullivan, Behind the Scenes & Production Logistics at TevisAERC check out the AERC calendar!Time Stamps:01:10 - Mongol Derby day 6 update03:33 - Virtual Tevis team results06:13 - Tahoe Rim 50 ride recap09:32 - Nevada wildfires & Bug Fire11:49 - Flooding risk after fires13:02 - 2026 Endurance Worlds to Abu Dhabi13:43 - Tevis stats, winners & breed notes18:16 - Sheepskin seat covers (Distance Depot)24:25 - Intro: Tevis webcast with Brenna25:22 - How Tevis live coverage is produced31:05 - Favorite Tevis stories36:00 - Volunteering/spectating & show close

Behind the scenes with Tevis production expert Brenna Sullivan to learn how they manage live-streaming from the rugged, remote Sierra Nevada mountains. Karen shares her challenging experience at the Tahoe Rim 50, followed by a comprehensive recap of the historic 70th Anniversary Tevis Cup, including top finisher highlights and milestones. Listen in….HORSES IN THE MORNING Episode 4016 – Show Notes and Links:HORSES IN THE MORNING Endurance Day crew: co-hosted by Glenn the Geek and Karen ChatonTitle Sponsor: Farnam and Endure Gold Killer Fly & Mosquito ControlSponsor: The Distance DepotGuest: Brenna Sullivan, Behind the Scenes & Production Logistics at TevisAERC check out the AERC calendar!Time Stamps:01:10 - Mongol Derby day 6 update03:33 - Virtual Tevis team results06:13 - Tahoe Rim 50 ride recap09:32 - Nevada wildfires & Bug Fire11:49 - Flooding risk after fires13:02 - 2026 Endurance Worlds to Abu Dhabi13:43 - Tevis stats, winners & breed notes18:16 - Sheepskin seat covers (Distance Depot)24:25 - Intro: Tevis webcast with Brenna25:22 - How Tevis live coverage is produced31:05 - Favorite Tevis stories36:00 - Volunteering/spectating & show close

Behind the scenes with Tevis production expert Brenna Sullivan to learn how they manage live-streaming from the rugged, remote Sierra Nevada mountains. Karen shares her challenging experience at the Tahoe Rim 50, followed by a comprehensive recap of the historic 70th Anniversary Tevis Cup, including top finisher highlights and milestones. Listen in….HORSES IN THE MORNING Episode 4016 – Show Notes and Links:HORSES IN THE MORNING Endurance Day crew: co-hosted by Glenn the Geek and Karen ChatonTitle Sponsor: Farnam and Endure Gold Killer Fly & Mosquito ControlSponsor: The Distance DepotGuest: Brenna Sullivan, Behind the Scenes & Production Logistics at TevisAERC check out the AERC calendar!Time Stamps:01:10 - Mongol Derby day 6 update03:33 - Virtual Tevis team results06:13 - Tahoe Rim 50 ride recap09:32 - Nevada wildfires & Bug Fire11:49 - Flooding risk after fires13:02 - 2026 Endurance Worlds to Abu Dhabi13:43 - Tevis stats, winners & breed notes18:16 - Sheepskin seat covers (Distance Depot)24:25 - Intro: Tevis webcast with Brenna25:22 - How Tevis live coverage is produced31:05 - Favorite Tevis stories36:00 - Volunteering/spectating & show close

In this series, Going Deep, we'll be doing bite-sized explorations into the most interesting industries, businesses and economic events… in Australia and around the world. For today's episode, we're diving into the war between artificial intelligence and the entertainment industry. AI can now clone a voice in seconds and put a dead actor back on screen. But the question is whether AI can actually replace the thing that makes music and film matter in the first place? _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

(Intro) Weekend Highlights (5TYNTK) Biddeford Mural Tribute, Shark Beach Closures, High-Speed Chase, Talking Less Today, Messy Winter Ahead (Dirty) Drake Hosts Livestream Speed Dating, Kim Kardashian's Mansion Burglarized, The Weeknd Ends Retirement Talk (Topic) What's a small habit that saves you money? (Outro) Free Back To School Haircuts

In this series, Going Deep, we'll be doing bite-sized explorations into the most interesting industries, businesses, and economic events - in Australia and around the world. For today's episode, we're looking at the decline and collapse of the global diamond industry.We've seen De Beers rack up billions in losses… and lab-grown diamonds take over half the engagement ring market. In this episode, we'll explore how a 138-year monopoly was built on a single marketing idea — and how a machine the size of a kitchen appliance is tearing it apart. Plus, what that means for the countries, the companies, and the couples caught in the middle. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Gliding into retirement raises dozens of questions - some about numbers, many about feelings. And listeners like you have many questions about that transition. Today's "Ask Me Anything" episode is dedicated to your retirement transition questions.  Looking for a financial planner?  → PlanWithJesse.com In this Ask Me Anything episode, Jesse answers listener questions about the financial and emotional challenges of preparing for retirement. He begins by discussing the transition from saver to spender, explaining why loss aversion and identity shifts often make spending in retirement more difficult than expected, and outlines a practical framework for building a retirement income plan through cash flow analysis, tax-efficient withdrawals, and thoughtful portfolio positioning. He also clarifies several common Medicare questions, including when workers can delay enrollment, how employer coverage affects eligibility, and when the Medigap enrollment window begins. Jesse then explores sequence of returns risk by comparing historical retirement outcomes during the "Lost Decade," showing why the order of market returns can matter more than average returns, and shares strategies for staying financially and emotionally resilient during prolonged market downturns. Finally, drawing on the behavioral economics of Kahneman, Tversky, and Thaler, he explains why many people work longer than necessary due to loss aversion, regret, and inertia, encouraging listeners to intentionally reframe retirement as a decision about making the most of their remaining healthy years rather than simply accumulating more wealth. Key Takeaways: • The transition from saver to spender is as much a psychological challenge as it is a financial one. • Rather than viewing retirement as becoming a "spender," retirees should see themselves as lifelong responsible planners. • Portfolio withdrawal strategies should be coordinated across taxable, tax-deferred, and Roth accounts. • Employer size determines whether Medicare or employer insurance serves as the primary payer after age 65. • A diversified 60/40 portfolio may outperform an all-stock portfolio for retirees making withdrawals despite producing lower average returns. • Healthy years are a finite resource, and delaying retirement should be weighed against the experiences and time that can never be recovered. Key Timestamps: (01:44) – Q1: How to Transition from Saver to Spender (10:24) – Q2: Medical Coverage in Retirement (18:35) – Q3: When the Market Stagnates (28:33) – The Psychological Impact of the Lost Decade (35:43) – Q4: Retiring with the Fewest Regrets Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/sequence/ https://bestinterest.blog/e115/ https://bestinterest.blog/e121/ https://bestinterest.blog/e137/ https://bestinterest.blog/e142/ https://bestinterest.blog/e143/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this brief, unfiltered solo episode, we're ditching the rigid morning routines and talking about the real, low-stakes habits bringing ease, glow, and peace into busy mom life right now.If you're looking for practical nervous system regulation, mom burnout relief, and clean wellness tools, this episode is for you! From 5-minute morning light and game-changing clean skincare to an instant outdoor mood reset for chaotic kid moments (plus an honest reflection on a summer routine fail!), this chat is packed with realistic inspiration for your daily life.

In this series, Going Deep, we'll be doing bite-sized explorations into the most interesting industries, businesses and economic events… in Australia and around the world. For today's episode, we’ll be diving into the business of IVF. Birth rates are hitting record lows, people are having kids later than ever and a $730 million Australian industry has built itself on that gap. But at the same time, we've seen two of Australia's three biggest IVF providers hit by major scandals in the same year. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

A new federal retirement savings program could give eligible Americans a 50% match on their contributions, up to $1,000. But is the so-called “Trump IRA” actually a valuable wealth-building tool, or is it simply repackaging options that already exist? In this episode of Working Wealth, Patrick and Trevor break down the proposed Trump IRA platform and the new Federal Saver's Match expected to replace the current Saver's Credit beginning in 2027. They discuss: How the Federal Saver's Match is expected to work Who may qualify for the government contribution How Trump IRA accounts compare with traditional and Roth IRAs The potential benefits of receiving a 50% retirement match The restrictions, limitations, and unanswered questions Why financial education matters more than creating another account How to decide whether a new financial program actually fits your plan Every financial tool may have a place, but “free money” should never replace thoughtful planning. Before opening a new account, it is important to understand who benefits, what restrictions apply, and how it supports your larger retirement strategy. Subscribe for practical conversations about retirement planning, investing, taxes, and building wealth with greater intention. Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important financial decisions.

Savers...Mission Deeds... and Piece of Mind -- all great suggestions for Sue!

In this series, Going Deep, we do bite-sized explorations into the most interesting industries, businesses, and economic trends… in Australia and around the world. For today's episode, we're looking at one of the fastest-growing corners of global finance that most Australians have never heard of - prediction markets. This isn’t a bet on an AFL game.. Or a punt on the Melbourne Cup. This is placing real money to bet on world events like whether the RBA cuts rates… or whether a recession hits before Christmas? In this episode, Brett and Justin explore how prediction markets went from a university experiment in Iowa to Robinhood's fastest growing product and whether this is the future of finance or just the world's most sophisticated casino. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

In this series, Going Deep, we're looking at the rise of the Aussie female athlete economy.We've seen the Matildas become Australia's most valuable sporting brand, women's cricket break viewership records, and the NRL salary cap nearly triple in three years.In this episode, we'll explore how one World Cup semi-final changed the commercial conversation forever - and whether the money is actually reaching the athletes who created the moment. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Bum N Zilly recorded this episode a week ago but it took awhile to get it out because of some technical difficulties! Bum starts the show with some AC problems! Zilly tries to hype up the Twins but gets side tracked with some WWE SNME talk. Bum talks some PGA and Zilly interrupts with some Sabres talk. In the end the brothers find the time to review the first half of The Who's fourth studio album "Tommy" Thanks for the listen! 03:13 Show Intro "In Derek Shelton I Trust"  04:02 Twins Vahn Lackey pick  06:54 Top seven Twins thus far at the all star break (Nance talk and Alen Roden) 10:58 Sheila Ford Hamp or Tommy Pohlad and other random Twins talk 13:33 Twins vs Angels  17:52 A show comment! (HR Derby winner) 19:56 Twins vs Angels continued  22:35 Twins at Cubs (Kody Clemens deep cut stat) 32:51 Twin of the week and All Star game talk  35:11 Byll is gone and PGA in Blaine  37:16 Savers and the movie "Full Metal Jacket" 41:58 Sabres not saving  45:24 WWE's cheesy storylines  50:10 SNME review 1:06:03 The direction of Summerslam?  1:09:13 Introduction to The Who's 4th studio album "Tommy" 1:13:29 "Tommy" tracks 1-6 1:27:27 "Tommy" tracks 7-10 1:42:10 Song picks for the first half of "Tommy" 1:43:44 Show Outro                            Want to get your thoughts involved with the podcast?Check us out on Twitter/X @BumNZillyshowEmail at bumandzillyshow@gmail.com

Send us Fan MailIn this third episode of our SIU Series, Astrid Cousin, Director for Horizontal Policies at the European Commission's DG FISMA in conversation with Yvonne Bendinger-Rothschild, Executive Director of the EACCNY, lays out the benefits of the SIU for private savers, companies and institutional investors, both in the EU and the U.S.Thank you for listening! Please be sure to check us out at www.eaccny.com or email membership@eaccny.com to learn more!

Have you ever wondered how some people find the strength to keep going when life keeps knocking them down? In this conversation, I sit down with bestselling author and creator of the global phenomenon The Miracle Morning, Hal Elrod, to explore what it really means to heal, persevere, and choose hope in the face of overwhelming adversity. Millions know Hal for transforming their mornings — but fewer know the extraordinary journey that led him there. From a car accident that left him clinically dead for six minutes and being told he'd never walk again, to a rare cancer diagnosis with only a 20-30% survival rate, Hal has been forced to confront life's darkest moments over and over, and has found his way back every single time. What struck me most wasn't just his resilience — it was his perspective. We get into the five-minute rule, the difference between optimism and delusion, why he believes resistance — not circumstance — is the real source of emotional pain, the true origin of the Miracle Morning and the SAVERS practice, his approach to affirmations and visualization (and why most people get both wrong), the holistic modalities he pursued alongside conventional treatment, and what no one warns you about when medication starts changing who you are. If you've ever felt stuck, overwhelmed, or needed a reminder that difficult seasons don't last forever — this one's for you. Content Advisory: If you or someone you know is struggling with thoughts of suicide or is in emotional distress, please reach out to a trusted loved one or a qualified mental health professional. If you're in the U.S. or Canada, you can call or text 988 to reach the Suicide & Crisis Lifeline. If you are elsewhere, please contact your local crisis services. You are not alone. Key Moments You'll Love ✨ :

¿El gobierno igualando tu 401k? Viste el video y es MEDIA verdad. Te explico la neta del Saver's Match: desde 2027 el gobierno te deposita hasta $1,000 GRATIS al año en tu cuenta de retiro… pero tienes que estar listo. Además: el plan de ponerle 100% de impuesto a las medicinas genéricas, y hoy abro llamadas 1 a 1 para tu dinero. EN ESTE EPISODIO:

Today on What the Flux: In Conversation, we’re excited to be joined by Matt Heine, CEO and Managing Director of Netwealth…and Flux’s relatively new corporate overlord.For those who don’t know, Netwealth is one of Australia’s fastest-growing wealth management and fintech companies - having grown its share price over 450% since its IPO in 2017.Matt has been working at Netwealth since 2001 and has held roles across sales, marketing and product. He became joint managing director alongside his father Michael Heine in 2015 and became the sole managing director in 2022.In our conversation today, we’ll dig into how his early experiences shaped him, how he thinks about scaling a platform and what the future of advice and wealth looks like in Australia and globally. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

In this series, Going Deep, we'll be doing bite-sized explorations into the most interesting industries, businesses and economic events… in Australia and around the world. For today's episode, we're diving into the Aussie wine crash… a $3 billion export industry that lost its biggest customer overnight and then spent three years drowning in unsold bottles….and what it actually takes to rebuild a billion-dollar industry when the world has moved on without you. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

In this series, Going Deep, we’ll be doing bite-sized explorations into the most interesting industries, businesses and economic events… in Australia and around the world. For today's episode, we're diving into the weight loss drug economy - a $58 billion industry built on injections that hack your hunger signal. We've seen food companies scramble to reformulate their products, airlines calculate what lighter passengers mean for their fuel bill and gyms completely rewrite their pitch. In this episode, we'll explore how Ozempic and Wegovy went from diabetes treatments to cultural phenomena…and what a world of meaningfully lighter people actually means for business, public health, and your hip pocket. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

We're back with our new 'In Conversation' series where we'll be bringing you insights from some of Australia's best and brightest leaders.Today, we're excited to welcome Janey Martino to What the Flux: In Conversation. Janey is a serial founder who has built and exited businesses across media, fintech, and wellness.She’s founded two businesses that were acquired, co-founded mindfulness app Smiling Mind, which has reached over nine million Australians and last year, she stepped into the CEO seat at KIC - the company that has evolved from a fitness app into a full wellness ecosystem. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

We have Joel in the hot seat today, while Dan is away. Tim and Joel are talking The First Home Super Saver, she is back in the news, and we thought it timely to recap on who and what this scheme is. 

Research shows that retirees following traditional withdrawal rules rarely come close to depleting their portfolios. In fact, many end up leaving behind balances that are surprisingly large. Which raises an important question: why is it so hard to spend the money you spent decades saving? Today, I'm revisiting my conversation with Brian Portnoy, Ph.D., CFA to explore the psychology behind the fear of spending and what retirees can do to move through it. Longtime listeners will also recognize Brian as the source of a quote I've shared many times on the show, and in this episode, he finally shares the story behind it. In this episode, we discuss: → Why retirees with healthy, well-funded plans still struggle to spend → The flawed logic behind "If I just had $X, I'd finally feel comfortable" → 5 steps to overcome the fear of spending, whether retirement is five years away or already here → What "funded contentment" means, and why it may be the real difference between being rich and being wealthy Because the goal of retirement planning isn't to die with the biggest possible balance... it's to use your money to support a life that feels meaningful to you. ***

In this series, Going Deep, we’ll be doing bite-sized explorations into the most interesting industries, businesses and economic events… in Australia and around the world For today's episode, we’re looking at the decline of Australian retail over the past decade. We’ve seen David Jones struggle, Mosaic Brands collapse and Myer worth a fraction of its previous value. In this episode, we’ll explore how cheap imports, online shopping and consumer preferences have shifted… and what this means for Aussie retail into the future. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Today we're kicking off our new 'In Conversation' series where we'll be bringing you insights from some of Australia's best and brightest leaders.In our very first episode, we'll be chatting with Grant Hackett OAM, CEO of Generation Development Group and 3 x Olympic Gold Medallist. You may know Grant Hackett for being unbeaten in the 1500 metre race from 1996 to 2007. What you might not know is that while he was doing all that, he was trading shares, studying commerce & law and quietly planning his second act.That second act? He's now Group CEO of Generation Development Group (ASX: GDG), which he's helped grow from $694 million to $40 billion in funds under management.We sat down with Grant for our latest In Conversation episode. He shared his childhood heroes, strange superstitions, public setbacks and the mindset that carried him from the pool to the boardroom. _ Note: This recording took place in February 2026. All numbers noted were accurate as of this date. Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3620: Craig Stephens outlines six practical habits that separate above-average retirement savers from everyone else, from consistently investing in tax-advantaged accounts to avoiding high fees and ignoring market noise. His advice shows how small, disciplined decisions made over many years can dramatically improve long-term financial security and help build a retirement portfolio that supports your goals. Read along with the original article(s) here: https://www.retirebeforedad.com/6-habits-above-average-retirement-savers/ Quotes to ponder: "Among the most important savings habits is consistency." "Successful retirement savers have an eye on the future and are less inclined to splurge on short-term pleasures and shiny objects." "The best strategy for most everyone is to contribute to accounts regularly and keep your hands off." Episode references: Vanguard How America Saves Report: https://institutional.vanguard.com/how-america-saves/overview.html Roth IRA Information – IRS: https://www.irs.gov/retirement-plans/roth-iras Fidelity Retirement Savings Statistics: https://www.fidelity.com/viewpoints/retirement/retirement-savings-by-age Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving is wise, but it can become a problem when saving becomes the goal. In this episode, Art Rainer shares how the 8 Money Milestones help savers spend with confidence and steward God's resources faithfully.Resources:8 Money MilestonesAsk a Money Question!

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3620: Craig Stephens outlines six practical habits that separate above-average retirement savers from everyone else, from consistently investing in tax-advantaged accounts to avoiding high fees and ignoring market noise. His advice shows how small, disciplined decisions made over many years can dramatically improve long-term financial security and help build a retirement portfolio that supports your goals. Read along with the original article(s) here: https://www.retirebeforedad.com/6-habits-above-average-retirement-savers/ Quotes to ponder: "Among the most important savings habits is consistency." "Successful retirement savers have an eye on the future and are less inclined to splurge on short-term pleasures and shiny objects." "The best strategy for most everyone is to contribute to accounts regularly and keep your hands off." Episode references: Vanguard How America Saves Report: https://institutional.vanguard.com/how-america-saves/overview.html Roth IRA Information – IRS: https://www.irs.gov/retirement-plans/roth-iras Fidelity Retirement Savings Statistics: https://www.fidelity.com/viewpoints/retirement/retirement-savings-by-age Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3620: Craig Stephens outlines six practical habits that separate above-average retirement savers from everyone else, from consistently investing in tax-advantaged accounts to avoiding high fees and ignoring market noise. His advice shows how small, disciplined decisions made over many years can dramatically improve long-term financial security and help build a retirement portfolio that supports your goals. Read along with the original article(s) here: https://www.retirebeforedad.com/6-habits-above-average-retirement-savers/ Quotes to ponder: "Among the most important savings habits is consistency." "Successful retirement savers have an eye on the future and are less inclined to splurge on short-term pleasures and shiny objects." "The best strategy for most everyone is to contribute to accounts regularly and keep your hands off." Episode references: Vanguard How America Saves Report: https://institutional.vanguard.com/how-america-saves/overview.html Roth IRA Information – IRS: https://www.irs.gov/retirement-plans/roth-iras Fidelity Retirement Savings Statistics: https://www.fidelity.com/viewpoints/retirement/retirement-savings-by-age Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Money Matters, Scott and Pat dive into a $5M client case study on the hidden dangers of stock concentration and explain why a $1.5M Roth conversion might be your smartest tax move. They also tackle direct indexing and welcome Allworth partner advisor Victoria Bogner to share the story of "Jim and Karen." You'll hear how this retired couple unknowingly had 35% of their $5 million portfolio tied up in just eight stocks—and how a shift in "asset location" saved them six figures in projected taxes. Key Topics Included: -Roth Conversion Strategies: Managing large pre-tax balances at age 65. -Direct Indexing vs. Cash: Understanding the risks and tax-loss harvesting. -The "Asset Location" Secret: Why the right account type matters for your bottom line. -The Saver's Mindset: Transitioning from building wealth to enjoying it.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Domain has taken Realestate.com.au’s owner to court over misleading claims… and there’s billions on the line. Xero has gone an an AI-rampage as it signs a new AI deal with Microsoft Co-Pilot… which is its third big AI deal. US Ticket reseller StubHub… is being sued by World Cup fans who paid big money for tickets that never showed up. _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____See omnystudio.com/listener for privacy information.

Please join us at patreon.com/tortoiseshack In this Tortoise Shack podcast, solicitor Cathal Malone discusses the impact of proposed (resulting in dozens of solicitors walking out) changes to Ireland's criminal legal aid fee structure, the long-time underfunding of the justice system, and the broader implications for access to justice. The conversation highlights the disconnect between policy intentions and real-world effects on vulnerable populations. Minister Jim O'Callaghan's run of doing Crazy Jim O'Callaghan stuff continues. Elaine Crory on Jeffrey Donaldson, Sexual Violence and Rape Myths:https://www.patreon.com/tortoiseshack/posts/patron-exclusive-162722611 Author of If You Cannot Say Genocide, Yahia Lababidi podcast:https://www.patreon.com/tortoiseshack/posts/patron-exclusive-162503281

The company behind KFC stores in Australia has posted record sales for the last fiscal year but their focus is on preventing bird flu from hitting their supply chain. Amazon Australia is being sued by the ACCC… for allegedly sneaking ads onto its streaming platform and then charging customers to remove them. The owner of Ticketek has started a major restructure and job-cut after it scrambles to win back the events it's been losing left, right and centre. _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ See omnystudio.com/listener for privacy information.

Coles and Woolies are in the firing line after Australia has just announced world-first supermarket price gouging laws The NRL has just locked in the biggest broadcast rights deal in Australian sports history… which makes rugby league more valuable than AFL for the first time. Apple has hiked the price of its Macs, iPads and other Apple products because AI is eating the world's memory supply _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.See omnystudio.com/listener for privacy information.

K&K Full Show - Space Savers By The Pool and Boyfriends in Debt. 06-25-26 full 3588 Thu, 25 Jun 2026 14:10:28 +0000 NdBsB8wuUKcZ4NJs7nFi6h5vMC2Ja1wb society & culture Karson & Kennedy society & culture K&K Full Show - Space Savers By The Pool and Boyfriends in Debt. 06-25-26 Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture https://player.amperw

Amy Adams shared on a recent episode of the SmartLess podcast that she once helped a man she found stabbed on the street. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Qantas and smaller sibling Jetstar are axing flight routes across Australia…and Australians in regional centres are about to feel it Judo Bank's share price has collapsed more than 40% in a single day after three problem business loans blew up simultaneously Meta is betting on prediction markets after secretly launching a new standalone app called "Arena" _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.See omnystudio.com/listener for privacy information.

David W. Johnson and Julie Murchinson take a hard look at the evidence to predict whether the deployment of artificial intelligence in healthcare will increase healthcare costs or lower them on, “AI in Healthcare: Cost Saver or Cost Driver?” the new episode of the 4sight Health Roundup podcast, moderated by David Burda. 

The recently released 2026 Social Security Trustees Report once again shortened the timeline for when the trust funds paying out benefits to more than 75 million Americans will become insolvent unless lawmakers finally step in and do something about it.To find out what the new report really means for workplace retirement plan participants, 401(k) Specialist Editor-in-Chief Brian Anderson talks with Jason Fichtner, Ph.D., executive director of the LIMRA Retirement Income Institute and a former acting deputy commissioner of the Social Security Administration.Fichtner talks us through the underlying issues regarding the program's looming insolvency, how it impacts what 401(k) participants need to be thinking about along with the increasing need for in-plan guaranteed income solutions, and concludes with thoughts about possible SECURE 3.0 retirement legislation in the not-too-distant future.SEE ALSO:• 2026 Social Security Trustees Report Moves Insolvency to 2032

The Aussie company behind Cocobella and Rokeby protein shakes has been acquired by Danone for nearly $2 billion. Reddit is turning human opinions into a $625 million ad business…and is introducing new products to capitalise on its community. WiseTech, ASX-listed logistics software, just lost $2 billion from its market value because of a very serious investigation into its founder. _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.See omnystudio.com/listener for privacy information.

On this final epsiode of the 2-part food special, we welcome back Dr. David Shields, known as "The Flavor Saver," as he shares even more interesting food stories.Follow us on Take on the South socials!https://linktr.ee/sostatuscGo checkout the Savers orf Flavor show! (Available now)https://www.pbs.org/show/the-savers-of-flavor/#podcast #food #corn #history

Glue Store just became the latest fashion victim to permanently close its doors after the stores were losing too much money for its owner Australia's biggest insurers have warned home insurance premiums will rise by double digits every year for the foreseeable future BMW has suffered a 6% fall in share price after it hit the brakes on its own profit outlook _ Want to lean how to go from a Saver to Investor in just 7 days - watch our new series here Complete the Budget survey for your chance to win 3 x $100 gift cards - takes only 2 mins Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Important Information: This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 19 May. Comments made by BIMAL employees here represent BIMAL’s views only. This material provides general advice only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction. See omnystudio.com/listener for privacy information.

Real estate agents are great at helping clients build wealth.   So why are so many terrible at building their own?   In this episode, James and Keith sit down with financial advisor, author, and investor Andrew McNair to talk about one of the biggest challenges facing the industry: retirement planning. From commission income and lifestyle inflation to investing, diversification, and financial discipline, Andrew shares the habits that separate people who retire comfortably from those who work until they can't anymore.   If you're earning good money but still feel behind financially, this conversation might be exactly what you need to hear.   Book links mentioned during the episode: The Giving Crisis: https://a.co/d/0gLJJVdM The Black Swan Investor: https://a.co/d/0j20jFQH   Learn more about Andrew on YouTube - Instagram - Facebook - TikTok and his podcast.   Secure your ticket at https://www.unlockconference.com/ and use discount code REIU20 for 20% off your ticket.    *Lock in your spot now before the price goes up.*   Code can be used on all full-priced passes leading up to the event and cannot be combined with any other discounts.   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com   You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/   The views and opinions expressed on Real Estate Insiders Unfiltered are those of the hosts and guests in their personal capacities and do not necessarily reflect the views or positions of eXp World Holdings, Inc., eXp Realty, LLC, NextHome, Inc., or any of their respective affiliates, subsidiaries, officers, or directors.  

Most people misunderstand whole life insurance because they look at it as a product instead of a system. In this Practical Wealth Study Group, Curtis May breaks down the Four Stages of Whole Life Insurance, also known inside the Money4Life Blueprint as the Private Reserve Strategy. This is not about chasing rates of return. This is about control, liquidity, certainty, and building a personal economy where your money keeps working inside your system instead of constantly leaving to banks, lenders, credit cards, and financial institutions. Curtis walks through the Money4Life Framework: Earn it. Bank it. Borrow it. Spend it. Repay it. Repeat. You'll learn how whole life insurance can function as a foundational asset, why premium should be viewed as a capital flow instead of an expense, and how families and business owners can begin using their policies to recapture debt, build liquidity, and eventually finance opportunities. This conversation covers: Why whole life insurance is not an investment account The economic value of certainty The crisis of financial control Why liquidity matters more than rate of return How to calculate your burn rate Why you must capitalize before you invest The difference between being a saver, wealth builder, business banker, and infinite banker How to stop giving interest away to strangers Why banking is a process of becoming, not a product you buy The goal is not just to own a policy. The goal is to become the banker. Visit PracticalWealth.net to take the Financial Freedom Assessment and learn more about the Money4Life Blueprint. 00:00 – Welcome to Practical Wealth Study Group 00:19 – The Four Stages of Whole Life and IBC 01:00 – Whole Life Is Not an Investment Account 01:45 – The Economic Value of Certainty 02:30 – Whole Life as a Foundational Asset 03:10 – The Money4Life Framework: Earn It, Bank It, Borrow It 04:20 – Why Banking Means Control of Capital 05:30 – The Crisis of Control 06:15 – Stop Giving Away the Banking Function  07:00 – The Maturity Matrix: Where Do You Stand? 08:00 – Stage 1: The Saver 09:20 – You Can't Invest Until You Capitalize 10:30 – Contract Wealth vs. Statement Wealth  11:45 – Stage 2: The Wealth Builder 12:45 – Premium Is Not an Expense 13:45 – Freedom From Debt to Others 14:40 – Your Burn Rate and Liquidity Number 15:50 – Debt-to-Capital: Bringing Debt In-House 17:00 – The Difference Between Chaos and Opportunity  18:00 – Stage 3: The Business Banker 19:00 – Money as Inventory  20:00 – Financing Opportunities Through Your System  21:00 – Stage 4: The Infinite Banker 22:00 – Closing the Financial Loop  23:00 – Banking Is Not a Product 23:30 – Immediate Action Plan

Keith welcomes back Rich Dad author Robert Kiyosaki to discuss why debt, inflation, and financial education are critical in today's economy.  Robert challenges traditional advice like "save money and pay off your house," explaining how understanding good debt and owning real assets can accelerate wealth while inflation quietly punishes savers.  They explore how family background and early beliefs shape our money mindset, and why questioning conventional wisdom is essential.  The conversation ultimately stresses that financial education only matters if you take action and intentionally position yourself for turbulent times instead of fearing them. Episode Page: GetRichEducation.com/608 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  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. This week, the number one selling personal finance author of all time, Robert Kiyosaki of Rich Dad Poor Dad, returns to the show, revealing that he's in debt to the tune of $1.2 billion with a B. Why he believes a depression is coming, and he strongly espouses financial education today on Get Rich Education,    Keith Weinhold  0:29   you know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spots Fill    Keith Weinhold  1:41   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre That's F L O C K homes.com/gre   Corey Coates  2:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:30   Welcome to GRE from Williamsport, Pennsylvania, to Williams, Arizona, and across 188 nations worldwide. You're inside one of America's longest running and most listened to real estate shows, this is Get Rich Education. I'm your host, Keith Weinhold. And with Father's Day this month, it's apropos to talk about Rich Dad. It's been said that the objective of parenting is to turn a liability into an asset. The book Rich Dad Poor Dad has now sold over 40 million copies, and it's been translated into 51 languages. One strong thesis in the book: well, there are a few of them: the rich don't work for money, savers are losers, and your house is not an asset. I think any regular listener here to the GRE podcast is already initiated on this. Savers or losers, because inflation debases your prosperity, and your house is not an asset, because it takes money out of your pocket every month. An asset puts money in your pocket every month instead. And I can see Robert now as he's preparing to take the mic with me here, he's got a blown up visual of his cash flow board game behind him, and then in front of him he's got a few books, including two books that he co-authored with Donald Trump, but this is before Trump was ever a political candidate, so it was before all that, and we're certainly not here to talk politics today. A central theme of the Rich Dad world is that the path for your significant financial betterment is rather than cutting your expenses, increase your income. This is the root action behind the mantra: don't live below your means, grow your means, but see, living below your means is easier. That's the easy thing to do. It's even myopic, say move into a lesser housing situation, or cut out going on vacations. Growing your means takes some education, like how to start a business, or how to own real estate. See, when you deposit money into a bank, all of a sudden that bank has a problem, they owe you interest on it, it's an expense for them. So the bank's job is now to lend your money out to somebody else and make a higher interest rate on it than. Lower interest rate that they're paying you on your deposit. All right. Well, then one direction to focus your education is to start acting like a bank yourself. How do you practically do that? How do you be the bank? Well, just like the bank, you can borrow real estate at a 7% mortgage rate. Now you've got the problem, you've got a monthly mortgage payment you need to make, so you need to beat 7% How are you going to do that? You better get it right. Well, with tax deductions, you might really be paying five to 6% Meanwhile, the real estate that you've carefully identified and invested in with your borrowed capital can earn multiples more without taking high risk, and actually that five to 6% effective cost of capital that you've got is zero, because that monthly payment is all outsourced to your tenants anyway, and what made all this possible for you? Debt made it possible, and now you're acting like the bank, and banks often have the tallest skyscrapers in your city for a reason, because they make money on those spreads all over the place, and now you're doing the same thing. This is an example of growing your means. The bank will hand you 500k to buy a new home or rental property, not for stocks. They won't do that for crypto, not for your 401k not for a business idea that popped into your head at 3am Only real estate, the same institutions, banks that manage your savings and study every asset class, and are very conservative, and have armies and armies of analysts. They will only lend you a half million dollars for one thing: real estate. For a few years, I was a writer for the Rich Dad Advisors blog when that was a thing. Robert and I were most recently together publicly last year when we both served as faculty members on the Terrific Real Estate Guys Investor Summit at Sea in the Caribbean. Let's talk to Robert.    Keith Weinhold  7:18   I'd like to welcome back to the show for his fifth appearance here on the GRE podcast. Well, just the number one selling personal finance author of all time. He wrote Rich Dad Poor Dad in 1997 and has ruled the Rich Dad world ever since. It's a warm get worse education. Welcome back to Robert Kiyosaki.   Robert Kiyosaki  7:38   Thank you, Keith. You know, nobody's more surprised about the success of Rich Dad Poor Dad than me, because it was turned down by every publisher in New York. It was like Simon and Schuster and all these guys, and they said, Why are you turning it down? They said, You don't know what you're talking about. It was consensus about the five editors of different book companies was what you're saying doesn't make sense, that's how strange it was back 1997 and now it's the number one in the world.   Keith Weinhold  8:10   This is often how it is when something strikes someone differently, like the Star Wars movies had difficulty getting traction because it was so unusual, and fortunately, Robert, today the consensus among readers has seen that, oh my gosh, Rich Dad Poor Dad changed my thinking more than anything else. The contrarian thinker,   Robert Kiyosaki  8:34   you know, strike Rich Dad, Poor Dad. My poor dad was academic, you know, PhD, yeah. So he'd be the kind of guy that says your book makes no sense, whereas my rich dad never went to school because his father died when he was 13 and he had to take over the family business. So much of a young person's life is predicated upon their parents or where the family or the culture you come from, and I've been studying more of that, like let's say I was raised in Alabama, I'd have a southern accent but because of the environment it presents it upon you, as the same as money, if a child is born into a poor family, or in my case an academic family, the value systems are all different. My family, and it's still true today. Got to go to school, get a job, and get a pension with the government. That's their whole belief system, and they're so proud of this. Is my brothers and uncles, and all that. They're so proud when their child has what's called a GS, and a government service pension, that's the whole idea on finance, get that pension, job security,   Keith Weinhold  9:49   yeah,   Speaker 1  9:49   nothing wrong with it, nothing wrong with it, but a lot of times we can't hear something because of what's been compressed into us by our culture, our. Family, so my, you know, my poor dad was always, you have to get your PhD, or what? God got a PhD. So my brothers and sisters, their kids are all getting their PhDs. It's fascinating. It's fascinating.   Keith Weinhold  10:14   Yeah, when your poor dad tells you you need to get your PhD, and you're asking for what? Maybe the answer was for him. So our parents, yes, they're often our first teachers.   Speaker 2  10:25   It's just values, very different values. And the more I kind of study it, I don't think I'm a good student of it, but there's this thing called a paradigm matrix, and a paradigm matrix is what is like a cookie cutter, so like father, like son, you know, like mother, like daughter, so much of our lives are transferred by our parents and our schools and things like this, and so that's why Rich Dad Poor Dad, for some people it works, but when it first came out, 1997 as you said, it was strange. I said, you know, the savers were losers, and today everybody knows inflation is going to the roof. I said, your house is not an asset. I got hammered for that one.   Keith Weinhold  11:11   Right.   Speaker 1  11:11   Rich don't work for money. Those are my three rich dad rules. Rich don't work for money, savers are losers, and your house is not an asset. I built Rich Dad Poor Dad around those three rules. I didn't follow my poor dad, those were his guiding lights. You know, you have to have job security, and you have to have a government pension, and my house is my biggest asset. And so you can't hear the person because you already have that paradigm magic, or that cookie cutter inside of you. This is my value system in my family. If I didn't get my PhD, I was stupid. I never got one. But anyway, you know,   Keith Weinhold  11:50   just because you believe something for a long time doesn't make it true,   Speaker 1  11:55   correct? And what's happening? Because I wrote Rich Dad Poor Dad, because I could see this economic times coming, 1971 named Nixon took the dollar off the gold standard, and I knew at that time we're going to have hyperinflation, so that it hasn't hit us quite yet. 1971 was august 15. Nixon's taking the dollar off the gold standard, and you watch what's going to happen next few years. We're going to have hyperinflation that we've never seen before, and it's gonna make the poor and middle class poorer. The rich will get richer, but poor and middle class will get poorer. Tragically,   Keith Weinhold  12:30   that is such an appropriate time to bring this up, Robert, because a lot of people are drawing parallels between the 1970s two waves of inflation during that decade, and what's going on today. I mean, there is so much fuel now that could ignite higher inflation. You've got the cumulative effects of the Iran war and the energy shocks and bottled up supply chains. And Robert, I don't know if you've heard it yet, but you and I's mutual friend, Dr. Chris Martinson, yeah, peak prosperity, there, Chris Martinson, he recently said that he would not be surprised to see 18 to 20% annual inflation in the next two to three years. That's exactly what he said.   Speaker 2  13:12   Yeah, but it's good for those who have assets, right? You see what, when things inflate, you know, like chickens and eggs and milk go up, but so do assets go up, most of them, like gold and silver, will go up, but the purchasing of the dollar will come down. Inflation is a tax, that's all it is.   Keith Weinhold  13:33   So much potential for inflation there, and a lot of this really ties in with debt, about how debtors can be enriched inflation. I think about the cantillion effect, meaning that in inflationary times those closest to the money printer win, and that usually tends to be governments, large banks, corporations with easy credit scores, but a lot of people don't realize that we can benefit from that too is everyday investors that use leverage prudent debt,   Speaker 1  14:05   right, and tell you, in effect, is basically what interest rate can you get, and how easy is money for you, and I use debt, I'm 1,000,000,002 in debt, and that scares the crap out of most people, but I use debt to get rich, and most people use debt to get poor, and again, that's family, what your education says. So, a lot has to do with early childhood development, and all that stuff. The more I study it, it really goes back to before a child was like 15. The cookie cutter has been cut.   Keith Weinhold  14:36   Yes, it goes back to not always having to believe everything that you think.   Speaker 2  14:40   We all have access to education. I have my cash flow game here. I teach people how to use debt, and Dave Ramsey says don't use debt. Well, he's a smart man too, Dave. I like him a lot, and most people should listen to Dave Ramsey, but if you're going to use debt, you'd better take some education, so. To go 1,000,000,002 in debt, man, you better know something. People aren't living paycheck to paycheck, they're living credit card to credit card now, and getting wiped out. I hate to laugh, but it's so obvious. You go, because they have no financial education, and that's why my book was turned down by all those academics in New York City, the publishers say, you don't know what you're talking about. How can I say your house is not an asset? How can I say savers are losers? How can I say the rich don't work for money? And that's what Don't Rich Dad Poor Dad on. And now it's been an international best seller, number one in the world for like 25 years.    Keith Weinhold  15:39   Yeah, well, it's so interesting that you bring up Dave Ramsey here, Robert. He often gets his followers to make a debt-free scream when they're debt free, and you know what I think, Robert, for those that scream that they're debt free, what they're doing is they're postponing screaming that they're job free or job optional, they could have been prudently leveraging dollars for profit, instead, like you and I do.   Speaker 2  16:06    Well, let me just say, Dave Ramsey's advice is good for most people. I'm saying, if you're going to learn to use debt, you know, if all you want is a job and a pension, you don't have to study that much. The biggest mistake I think ever made was at 401 k. It's going to wipe out boomer generation. It's going to.. that's the memos. I wrote this book. Here's who stole my pension, and that's when it's going to nail the boomers. They're finished, because their pensions are going to get stolen. They're four 1k IRAs. They're finished, but they do.. they listen. No, they go, they send their kids to school to get their MBA and get a, get a 401 k.   Keith Weinhold  16:46   Well, I kind of think when you have education around debt, you sort of understand this difference between productive debt and what I'll call ego debt. So, can you talk to us more about what kinds of debt make people rich today and what kinds of debt can quietly destroy them.   Speaker 2  17:02   Well, they should read Rich Dad Poor Dad. Really, I'm serious. That's all it is about, really, is I use debt to get rich, and Dave Ramsey's advice is good for those who don't want to study. So, if you're a PhD in microbiology, and you're a doctor, Dave Ramsey's advice is good for you, because you have no financial education, it's not between your right ear and your left ear. So, I had to study debt, that's the difference. It's what we study.   Keith Weinhold  17:29   And for those that are uninitiated on this, what we're talking about here is, if you've got, say, 200k to invest in real estate, and real estate's going to go up 5% a year. Okay, if you pay all cash, you only have a 5% gain on your 200k but if you get an 800k loan and now you invest in a million dollars worth of real estate, you have that entire million dollars going up 5% not just 200k and you have the tenants servicing the 800k in debt for you. This is really the path to wealth through debt, which is counterintuitive.   Speaker 1  18:02   You don't just get into debt. I mean, you really got to understand debt, and real estate doesn't always go up. It's about to crash again, and I like crashes. Don't get me wrong, I love crashes, because a crash in a stock market, bond market, real estate market is something going on sale, so like if Walmart had a sale, every poor person would run in there, but when the real estate market has a sale, all the poor people run away. I like crashes, that's when you get rich, one's coming big time, big time.   Keith Weinhold  18:33   Well, I want to learn more about that, because residential real estate in our lifetimes has only fallen significantly one time, that was in 2008 and circumstances are so different today. Today, you have responsible lending, and you don't have this oversupply that you had in 2008 So, tell us more about a potential real estate crash that's going to interest a lot of people.   Speaker 1  18:53   Well, real estate crashes, because the currency crashes. It's really the problem with the world today, and this is the whole world, is America is now what, the biggest debtor nation in world history.   Keith Weinhold  19:05   Yeah,   Speaker 1  19:05   39 trillion or something like that. And Japan is a bunch of idiots on Japanese, I can say that they save money. Why would you save money when Japan was the biggest money printer of all times? That'd be like somebody you know, sticking water in your gas tank. Why would you go and fill up with water? But that's what the Japanese were doing. They're saving money. It makes no sense. I mean, I just.. I'm just a different person, you know. I just didn't go to school like my family did. I mean, I have a college education and all that, but I studied different things after school. I studied debt, I studied real estate, and that's the big difference. So, I'm 1,000,000,002 in debt. So, in 2008 when the market crashed, you know, I borrowed 30 million bucks and leveled it up with 1,000,000,002 in debt.   Keith Weinhold  19:52   Good timing   Speaker 1  19:53   should not do what I do, but I studied it since 1974 It's debt that's not. Right now today we have oil going up. My college degree is in oil. I'm an oil tanker driver. I drove oil tankers with Standard Oil. I'm making fortunes today as the price of oil goes up, so you know, more Netanyahu and Trump bomb Iran, terrible as it is. I'm getting richer, so you don't have to be poor, but you're poor because that gap between your left ear and your right ear is empty, you know. You've been taught inflation's bad. Well, inflation is good if you're holding oil or gold or silver or some real estate. Anyway, most people have no financial education. That's why I created the cash flow board game, so you can have fun learning how to be rich. If you don't want to learn to be rich, then go to school and get your PhD.   Keith Weinhold  20:47   Sometimes, when people don't understand how real estate debt benefits them, one way I've helped people understand Robert is that, say, you have a loan balance of 112k on a piece of real estate today, that feels really small. It almost feels like something that you can pay off with what you have in your savings account, but if you go back 30 years, when the median home price is 140k 80% debt on that would have been 112k So here, 30 years later, with your 30 year fixed rate loan, you still just have that 112k in debt, while the median home price is over 400k and that's even if you hadn't made a principal payment at all, so it's really a way to visualize how inflation starts shrinking the real weight of our debt over time.   Speaker 1  21:31   My advice is I would study debt, so I take real estate courses, I'm always studying, I'm studying constantly, because the markets are changing so quickly. The biggest problem today started in 1971 when Nixon took the dollar off the gold standard. So, we're the biggest detonation in world history. I think we're going into a depression right now. So, depression plus AI coming along is going to wipe out jobs. I'm going to get richer. What are you going to do? So, I'm already planning for the future, the people that get rich can see the future. So, when you say, well, you know, back in 2008 it only crashed for a little while. Then, okay, so what? And history has proven in 1971 Nixon took the dollar off the gold standard. Every nation has collapsed. Who did that? The Chinese did it, the Romans did it, the Greeks did it, Germans did it. They print money, and so that's the real issue. It's not debt, but it's also the economic macro problems that keep going into the world. The dollar is coming down, and I'm afraid that we're going into a global depression. I hope I'm wrong, like Grant Cardone, and I have fights all the time about it, you know, because he's a big proponent of that. Real estate always goes up, it doesn't always go up,   Keith Weinhold  22:47   right?   Speaker 1  22:47   It doesn't always go up. The stock market doesn't always go up. The bond market's crashing. Everybody says, "Oh, bonds are safe. The bond market's in the biggest bubble in world history. We're going into a depression. So, what are you going to do about it? I'm afraid America is going to crash because we've taken on Iran, and Iran's a powerful, powerful force out there. I'm not in favor of it, but everybody who's messed with Iran has got kicked. So just note that as this look at history, you can see the future, but you have to be careful in the issue you follow. So, 1971 I was on an aircraft carrier in Vietnam, and my rich dad wrote me a letter. I was a marine helicopter pilot, went down three times. Rich Dad wrote me lessons. Nixon took the dollar off the gold standard, watch out, and immediately I started buying gold. So, I started buying gold at $50 an ounce to today is what, four or 5000   Keith Weinhold  23:43   Yeah,   Speaker 1  23:44   the trouble with gold is you pay high taxes on it, constant taxes too. Good luck to learn, Keith. I study constantly.   Keith Weinhold  23:52   You're listening to Get Rich Education. Our guest is Rich Ed Poor Dad author Robert Kiyosaki. I'm your host, Keith Weinhold.    Keith Weinhold  23:58   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 Ridge lendinggroup.com that's Ridge lendinggroup.com    Keith Weinhold  24:29   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 This   Jim Rickards  25:31   is Author Jim Rickards. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  25:47   Welcome back to Get Rich Education. I'm your host, Keith Weinholt. We're talking with the top-selling personal finance author of all time, Robert Kiyosaki.   Speaker 1  25:55   Just study history. History will see this, you'll see the future. So, this is my good friend here, McDonald. You know why he wants you to get rich, and it's this one man, one message.   Keith Weinhold  26:06   Robert's holding up a book now.   Speaker 1  26:08   You've got to get educated on money, but most people won't, so they got a 401 k, and they live debt free. Good advice. Will it protect them? No, it won't protect them from a, you know, if you lose your job, AI takes it away, or is a massive crash, but we've never been in this much debt before to you. Black generation is screwed, boomers and boomers are screwed, because we're the first generation with a four 1k that was 1974 1974 also Kissinger went to Saudi Arabia to sign the dollar up back by oil, and today my buddy here, Trump is bombing the crap out of Iran. I'm not saying it's good or bad, but the price of oil is going through the roof now. Everybody's complaining about it because of inflation, so chicken and eggs go up in price, you know. Diesel delivers chicken and eggs all over the world. I'm getting richer because I own oil wells, you see. You don't have to be poor, but you better question what they put between your left ear and your right ear. What did Mommy and Daddy tell you? Go to school, get a job, get a job with a government service. My daughter's a GS, she's got a master's from Washington State University losers,   Keith Weinhold  27:24   this untethering of the dollar from gold in 1971 that meant that there is no sovereign currency in the world today that's still tied to gold, allowing for more money printing and enriching over time debtors like you and I, but Robert, we think about how debtors are profiting, and you spoke earlier about how oftentimes your parents put all of these values inside you. How do you emotionally tolerate having a lot of debt yourself? You talked about having $1.2 billion in debt. How do you emotionally deal with that?   Speaker 1  28:00   I study, I take courses. I'm constantly in seminars studying debt. I don't study a 401 ks or bonds, that's for losers. But this is the biggest point, Keith. You got to find out. My rich had always said to me, says there's a billion ways to financial heaven. So, there's what, 8 billion people on planet earth, and 1 billion of the eight may make it to financial heaven, but there's 7 billion to financial hell, and the difference is what's between your left ear and your right ear, and that's why you may choose what you learn carefully, cash flow game, study it, have fun, practice, play, learn, but if you don't want to learn, then follow Dave Ramsey's advice. That's much better. It's better for you, really. I'm serious. And get your PhD and get a 401 k and get wiped out when you lose your job. It's up to you.   Keith Weinhold  28:54   Yeah, I mean, the debt-free mindset probably is better for most people, but I think you shouldn't aspire to want to be like most people. Most people are overweight, and they have a busted relationship, and they don't have enough money at the end of the month. So we're really not aspiring to be mediocre here, and that can mean taking on prudent debt. You wrote something in a book one time, I don't think it was Rich Dad Poor Dad, it was one of your later books. This is so simple, but I found it to be so profound and life-changing for me. And that is simply being wealthy is a choice   Speaker 1  29:28   that doesn't, what you want, it's your choice, but you better know what your choices are. What did Mommy and Daddy say to you? But also, were they doing in front of you?   Keith Weinhold  29:39   Right,   Speaker 1  29:40   were they cleaning for job security or were they buying coil wells? Like, I own Bitcoin, but they'll recommend it now. I study it. I don't really understand it that well. I have 5049 Bitcoin, not much, but as inflation goes up, my Bitcoin goes up. Also, have in theory. I'm old. I don't understand tech that well, but I buy it to learn it, to practice, to study it. Am I an expert at Bitcoin? No. So I just keep studying, that's all I'm saying. I have a choice how to put between this year and that year. That's your choice today.   Keith Weinhold  30:18   Well, that's really interesting, Robert, because some people say that you should only invest in something that you understand well, others say that you're only going to understand something well if you invest a little in it first and have a stake. Well, is there any last thought that you have, Robert, as we wind up, anything at all that a listener should know today?   Speaker 1  30:39   No, I mean, I just said it, that's it. Choose what you put between your left brain and right ear, and what do you do? What do you do in your spare time? Like studying, you can ask the people around me. I'm constantly studying, you know, because I like to win. I'm very concerned, Keith. We're going into the biggest depression in history. So, what happens when you lose your job and you can't put food on the table, that's gonna create another problem. So, I'm a big pessimist, but I'm ready for it. I have a lot of guns, so the, I call it the 5g's Okay, you have to have gold, food, I mean ground, gasoline, and guns, that's preparing for the future, the 5g will be gold, gas, ground, food, guns.   Keith Weinhold  31:27   Well, Robert, you gave us a lot to think about there, including some actionable things. It's been great having you back on the show.   Speaker 1  31:32   Okay. Well, thank you. Keep up the good work.   Keith Weinhold  31:40   I believe Robert feels that a calming economic depression would be linked to the longer term calamity about the dollar being de-pegged from gold for about 55 years now. His 1.2 billion in debt is largely, if not completely, good debt. You can learn more about Robert and the Rich Dad world@richdad.com and he and I talked more off air. As much as he stresses financial education, he emphasizes taking action after you've learned; otherwise, you really haven't gained much of anything. But the rat race is so busy that some people don't have time to care about this stuff. In fact, the difference between financial education and financial courage is action taking. That's the difference. Now, in my view, it seems that some feel like financial betterment means cutting your expenses so much that you reduce your standard of living even over the long term, and doing that for the long term, you might do some of that in the short term, earlier in your investing career, because you need some capital formation, but to me, before long, financial betterment should give you the ability to make your life better. I mean, really don't buy the boat or RV just because it's a depreciating asset. Well, you don't want to do that wastefully if you can't afford it, but if you can learn how to afford it, consider borrowing for it, investing it at a higher interest rate than the RV loan, and profiting while you enjoy the RV, some people don't even think something like that is possible. Well, that's the sort of thing financial education can do. Genuine financial betterment means that you can take the trip, it means that you can buy the boat, because what's worse, owning a depreciating asset or living a depreciating life. Big thanks to Robert Kiyosaki.    Keith Weinhold  33:47   Today, we've got a lot of great upcoming shows here on the Get Rich Education podcast. Next week, The Mad Scientist of Multifamily, Neil Bower, will be here. It's going to be a charged conversation on the state and the future of the residential real estate market. Also, I've been compiling my top 12 dirty dozen due diligence questions that are going to help you avoid mistakes when you buy a piece of income property, like for example, How do you be sure that a build to rent community isn't overbuilt with supply, and why you should always get a property inspection, even on a new construction property that's coming in future weeks, and if you're a new listener and still learning about how to prudently use debt to build wealth, you're in luck. Just eight weeks ago, on episode 600 it's an episode where it's just me talking to you, called Debt is the American dream. Be sure to check out that show until next week. I'm your host, Keith Weinhold. In In the Spirit of Rich Dad, don't quit your daydream.   Speaker 3  34:52   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  35:18   The preceding program was brought to you by Your Home for Wealth Building, Get Rich education.com  

Umbrella insurance isn't usually the first thing people think about when they picture retirement planning. Most conversations focus on saving enough, investing well, reducing taxes, and creating income. But in retirement, one unintentional accident can create a very different kind of risk. Not just a temporary setback, but a threat to savings you may no longer have decades to rebuild. In this episode, I'm simplifying how umbrella insurance works for retirement savers. Specifically, I'm sharing: → Why liability risk doesn't necessarily disappear after your working years → What umbrella insurance does and doesn't cover → 5 common mistakes people make when buying or reviewing a policy → A simple 4-part formula for estimating how much coverage you actually need You'll also learn why the common "match coverage to net worth" rule can be misleading + why coverage may still make sense even when the math says you don't technically need it. ***

Today's guest isn't a fart or a shart, she's a toot… it's Suzie Toot! Suzie stops by to chat about cats with foreheads, dating Cleopatra, and her brand new tour “Suzie with a Z” (grab tickets at whereissuzietoot.com). For her new tour, Suzie has ditched the handheld mic for a Britney mic so you better watch out! Along the way, she and Delta discover they were both president and vice president of their high school drama clubs… shocking, or exactly what you'd expect?Plus, Delta goes off on SAVERS, specifically the Lakewood location. What should be a fun outing for the girls and the seniors somehow turns into a full-blown attitude problem. SAVERS needs to shut their mouth when they're talking to Delta.Listen to Very Delta Ad-Free AND One Day Early on MOM Plus⁠ ⁠Send us an e-mail at readmedelta@gmail.com⁠ FOLLOW DELTA⁠@deltawork⁠ ⁠VERY DELTA IS A FOREVER DOG AND MOGULS OF MEDIA (M.O.M.) PODCASTSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.