Podcasts about South

This is a Grave Talks CLASSIC EPISODE! PART TWOOctagon Hall Museum in Franklin stands as one of the most distinctive historic homes in the South. Built between 1847 and 1859 by Andrew Jackson Caldwell, its striking octagonal design is matched by a history shaped by war, division, and loss.During the Civil War, both Union and Confederate forces occupied the property, leaving behind stories that still echo through its halls. Reports of unexplained footsteps, shadow figures, voices, and direct encounters have been tied to members of the Caldwell family, enslaved individuals who once lived and worked on the land, and soldiers who passed through during one of America's most turbulent eras.Museum Director Bear Gaunt discusses the documented history of the property, the paranormal activity reported by staff and investigators, and how the museum balances preservation with its reputation as one of the most haunted buildings in Kentucky. Is the activity residual energy from a divided nation, or something more present and aware?For more information about tours and paranormal investigations, go to octagonhallmuseum.com#OctagonHall #FranklinKentucky #HauntedKentucky #CivilWarHauntings #HauntedMuseum #TheGraveTalks #ParanormalHistory #HistoricHauntings #BearGaunt #HauntedSouthLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

When Sauron learned of Celebrimbor's revolt, his wrath was revealed; Alan doesn't wait for James to revolt, but his wrath is reduced to nothing more than bad jokes. Join The Man of the West and The Sage of the South as Sauron has his way in Eregion in our third episode on The History of Galadriel and Celeborn. Celebrimbor runs with a dangerous crowd, the Númenóreans show up five years late, and Amroth tragically discovers that Elves can't swim across an ocean. We remind you how helpful it is to read Tolkien aloud, agree that Círdan would never lie, and recognize that the taste for power marks the beginning of the Downfall. Also, Rings of Power catches a few strays. Learn more about your ad choices. Visit megaphone.fm/adchoices

Now what did you think about what I said in this week's episode...Welcome to this week's Blonde Intelligence. I am your host, Ms. Roni, and I always seek to give you exquisite cranial repertoire. Reaction culture isn't a sideshow anymore—it's the engine pushing songs, stories, and careers across hip hop. We dig into why labels now court music reactors, how on-camera breakdowns amplify indie releases, and what happens when a clever TV cue turns into a PR wildfire. From first-listen rewinds to compilation videos that capture the exact second a room flips, we trace how creators set the temperature for beefs, bars, and brand power.We also unpack the latest friction around 50 Cent and the Harris family, asking smart questions about timing, verse placement, and how public sentiment can shift when the next generation lands clean shots. Family drops can project unity, but they also invite rankings that split fanbases; we explore both sides while highlighting the moments where King's punchlines pop and where mix clarity could lift the vocals above dense production. The broader current is unmistakable: the South's torch is real. Atlanta's legacy, Memphis's lineage, and Texas's constant churn keep feeding new voices into a scene where co-signs matter and craft still carries weight.Zooming out, we examine why rap beef, for all its mess, sharpens the art. Freestyles over classic beats revive the archives, pull receipts, and challenge writers to level up. Reactors thrive here, curating turning points, measuring crowd energy, and translating complex lyric layers for new ears. For artists, this is a playbook moment: build your own platform, partner with reputable reactors, tighten your engineering, and treat every drop like it will be paused, quoted, and replayed. If you're ready to think like a creator and perform like a competitor, this wave can carry you.If this breakdown sparked something for you, follow the show, share it with a friend who loves lyric analysis, and leave a quick review so more indie artists and curious fans can find us. Don't forget to Like, Share, and Subscribe.@Buzzsprout @SpotifySupport the show

Octagon Hall Museum is a historic, eight-sided mansion in Franklin, Kentucky, built in 1847 by Andrew Jackson Caldwell. It is the only octagon-shaped house in Kentucky, and is known for its Civil War history, rare architecture, and reputation as one of the most haunted places in the South!!!https://hauntedus.com/kentucky/octagon-hall-museum/https://www.bumpinthenight.net/octoganhttps://www.wbko.com/2023/09/30/hometown-hauntings-haunting-octagon-hall/https://search.brave.com/search?q=octogon+houses+aroumd+the+country&source=ios&summary=1&conversation=08c12f86ac23baf8042a4b0059b91612252ahttps://search.brave.com/search?q=octogan+hall&summary=1&conversation=08c12264451a27474988a8bef6fd087d602dhttps://m.youtube.com/watch?v=X6zuG_Gcqzo

Send a textHeat pressed down on Newton in August 1871 like a hand over a mouth, and by midnight the town was a fuse. We open on a drought-stricken railhead where class divides sharpened nerves, the dance band was sent home, and the room held its breath. Then everything snapped. Hugh Anderson strode into Perry Tuttle's hall and dropped lawman Mike McCluskey with a shot that turned a tense crowd into a battlefield. Amid the chaos, a coughing teenager named James Riley locked the doors, drew twin Colts, and harvested the room with terrifying precision—an unassuming figure who authored one of the bloodiest gunfights on the frontier and then vanished into the Kansas night.From there, the wires caught fire. Editors rebranded Newton as “Blooton,” feeding the East's appetite for frontier horror while reformers seized the carnage to push temperance and law. We dive into how correspondent E.J. Harrington—writing as Allegro—built a legend that sold papers, including the polished lie of the “Great Duel” where McCluskey's brother and Anderson allegedly died together. We set the record straight: Anderson was smuggled South, healed, married, and lived long. The myth endured because it offered symmetry the facts refused to give.The real ending took shape in steel and soil. When rails reached Wichita, the cattle trade moved on. Newton traded saloons for schoolhouses, brothels for church steeples, and six-shooters for threshing machines. Mennonite farmers arrived with turkey red wheat, barbed wire cinched the open range, and a new civic identity took root. Through it all, Riley remained a shadow—possibly consumed by illness, possibly drifting down the line—proof that the West wasn't just won in gun smoke, but manufactured in headlines and remade by commerce and community.If this story reframed how you think about the Wild West—where legend wrestles with ledger—tap follow, share with a history lover, and leave a review telling us which version of the story you believe.Support the showIf you'd like to buy one or more of our fully illustrated dime novel publications, you can click the link I've included.

Headlines for March 06, 2026; Another Land Grab? Israel Intensifies Bombardment of Lebanon & Orders Mass Displacement in the South; Lies, Corruption & Scandal: Trump Ousts Kristi Noem, Nominates Sen. Markwayne Mullin to Head DHS; “Donroe Doctrine” Summit: Trump Seeks to Build Right-Wing Power Bloc in Latin America

In this episode of Selective Ignorance, the hosts explore the rapidly evolving relationship between humans and artificial intelligence, opening with a discussion on the psychology of dating AI and what it means when technology begins to occupy emotional and intimate spaces in people’s lives [ 00:00 ]. The conversation expands into the intersection of technology, intimacy, and digital companionship [ 04:04 ], examining how innovation is reshaping social behavior and human connection. From there, the crew shifts to the rise of autonomous vehicles and what automation could mean for workers in the gig economy and traditional transportation industries [ 10:03 ], leading into a broader critique of capitalism and the growing tension between corporate innovation and worker security [ 12:25 ]. The episode then pivots into music and cultural commentary [ 21:15 ], where the hosts unpack recent hip-hop conversations and the dynamics of loyalty and support within the rap community. A spirited debate emerges around a potential Verzuz-style battle between T.I. and Ludacris, analyzing their catalogs, hit records, and regional impact [26:14 ], before diving deeper into the debate about who truly holds the title of “King of the South” in hip-hop history [30:09 ]. The hosts also discuss how performance ability and stage presence shape the outcome of live musical battles [34:11 ], highlighting the difference between streaming success and live entertainment value. The conversation then shifts toward cultural controversy with reactions to Shia LaBeouf’s recent comments about personal space and homophobia, sparking a wider dialogue about evolving societal expectations and public accountability [ 39:14 ]. The episode concludes with reflections on the current cultural landscape, the responsibility of audiences and artists alike, and a thoughtful reminder for listeners to remain mindful and engaged during Women’s History Month [ 44:58 ]. No Holes Barred: A Dual Manifesto Of Sexual Exploration And Power” w/ Tempest X! Sale Link Follow the host on Social MediaMandii B Instagram/X @fullcourtpumps Follow the crew on Social Media @itsaking @jaysonrodriguez @mrhiphopobama Follow the show on Social MediaInstagram @selectiveignorancepodTiktok @selective.ignoranceX/Twitter @selectiveig_podSee omnystudio.com/listener for privacy information.

This is a Grave Talks CLASSIC EPISODE!Octagon Hall Museum in Franklin stands as one of the most distinctive historic homes in the South. Built between 1847 and 1859 by Andrew Jackson Caldwell, its striking octagonal design is matched by a history shaped by war, division, and loss.During the Civil War, both Union and Confederate forces occupied the property, leaving behind stories that still echo through its halls. Reports of unexplained footsteps, shadow figures, voices, and direct encounters have been tied to members of the Caldwell family, enslaved individuals who once lived and worked on the land, and soldiers who passed through during one of America's most turbulent eras.Museum Director Bear Gaunt discusses the documented history of the property, the paranormal activity reported by staff and investigators, and how the museum balances preservation with its reputation as one of the most haunted buildings in Kentucky. Is the activity residual energy from a divided nation, or something more present and aware?For more information about tours and paranormal investigations, go to octagonhallmuseum.com#OctagonHall #FranklinKentucky #HauntedKentucky #CivilWarHauntings #HauntedMuseum #TheGraveTalks #ParanormalHistory #HistoricHauntings #BearGaunt #HauntedSouthLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.

Headlines for March 06, 2026; Another Land Grab? Israel Intensifies Bombardment of Lebanon & Orders Mass Displacement in the South; Lies, Corruption & Scandal: Trump Ousts Kristi Noem, Nominates Sen. Markwayne Mullin to Head DHS; “Donroe Doctrine” Summit: Trump Seeks to Build Right-Wing Power Bloc in Latin America

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.Support LAist Today: https://LAist.com/join

Nick welcomes WLS-AM producer and movie obsessive Tom Hush back for another round of Tom Hush's Theater of Trash. This time the spotlight is on the late-80s surfer crime oddity Red Surf starring George Clooney and Gene Simmons of KISS. Tom breaks down the movie's strange charm, the ridiculous plot, and why parts of it feel suspiciously close to Point Break. It turns into a very funny appreciation of a very strange movie. Esmeralda Leon joins Nick later and the conversation shifts to the western comedy Goin’ South starring Jack Nicholson and John Belushi. From there things take a weird turn into celebrity clone theories, starting with the idea that Jim Carrey has somehow been replaced. That leads to a hilarious rundown of other famous “replacement” conspiracy theories that have floated around for years. It's trash cinema, classic comedy, and some wonderfully ridiculous speculation. [Ep 435]

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.

As Route 66 celebrates its centennial anniversary, we look back at its enduring impact as an iconic road that stretched from Illinois to California — and some of its darker past. It wasn’t just a mode of transportation for family road trips. The historic route was also a primary path for Black Americans to escape the South during the Jim Crow era, all while navigating around sundown towns. L.A. Explained Reporter Cato Hernandez joins Imperfect Paradise to discuss the significance of Route 66, its influence on California and its effect on Black migration to the West. Read more of Cato’s reporting at LAist.com. Grow your business–no matter what stage you’re in. Sign up for a one-dollar-per-month trial period at SHOPIFY.COM/paradise Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live.

Send a textHeat shimmers above the Santa Fe tracks as Newton, Kansas splits in two: polished mahogany and temperance to the north, canvas alleys and all-night revelry to the south. We guide you through the second act of a borderland drama where the railroad doesn't just deliver cattle and cash—it redraws morals, loyalties, and the limits of law. Perry Tuttle's roaring dancehall, the Gold Room's careful smiles, and a fiddler-reporter named Allegro weave a soundscape where stories pay better than truth and reputation is coin.At the heart of the conflict stand two badges that should have kept the peace and instead crack it open. Mike McCluskey, the unyielding Yankee enforcer, and Billy Bailey, a Texan gambler pinned with borrowed authority, become emblems for bigger wars: North versus South, rail versus range, progress versus pride. When election day whiskey greases ballots for railroad bonds, tempers boil. A public humiliation spills into sunlight, and a gut shot renders a verdict no courtroom can soften. The town fractures along the rails and along the story each side needs to survive—self-defense for the railroad men, cold-blood for the Texans.Hovering at the edge is James Riley, a frail eighteen-year-old with consumption and no fear left to spend. His quiet loyalty to McCluskey changes the odds in ways bluster never could, turning a feud into a fuse. As McCluskey flees, hears he's cleared, and boards the return train, the badge feels like a shield, but the grass by the tracks says otherwise. We stop at the moment before the ambush, the air heavy with lead that hasn't flown yet, and a town holding its breath.If you're drawn to Old West history, railroad town politics, true crime on the frontier, and the anatomy of honor cultures colliding with new power, this chapter delivers vivid storytelling, textured context, and a cliff that promises a hard landing. Subscribe, share with a friend who loves gritty Western lore, and leave a review to tell us: was it justice or revenge?Support the showIf you'd like to buy one or more of our fully illustrated dime novel publications, you can click the link I've included.

Tonight on Black Dragon Biker TV: Bandidos apply to keep their clubhouse open in Perth's south—they're trying to get approved as a men's shed. Sarasota traffic sergeant has a tough talk with an e-biker. Local Georgia biker announces his run for police coroner. Biker's life celebrated in Canada. How photographer Alanna Airitam got in with Black OMCs for her show ‘Black Diamonds' at La Luz De Jesus Gallery. When the wife hates the MC—with Tia Bunch. And should 3-piece patches be respected by Woo? Join us as we discuss.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-dragon-s-lair-motorcycle-chaos--3267493/support.Sponsor the channel by signing up for our channel memberships. You can also support us by signing up for our podcast channel membership for $9.99 per month, where 100% of the membership price goes directly to us at https://www.spreaker.com/podcast/the-.... Follow us on:Instagram: BlackDragonBikerTV TikTok: BlackDragonBikertv Twitter: jbunchiiFacebook: BlackDragonBikerBuy Black Dragon Merchandise, Mugs, Hats, T-Shirts Books: https://blackdragonsgear.comDonate to our cause:Cashapp: $BikerPrezPayPal: jbunchii Zelle: jbunchii@aol.com Patreon: https://www.patreon.com/BlackDragonNPSubscribe to our new discord server https://discord.gg/dshaTSTSubscribe to our online news magazine www.bikerliberty.comGet 20% off Gothic biker rings by using my special discount code: blackdragon go to http://gthic.com?aff=147Join my News Letter to get the latest in MC protocol, biker club content, and my best picks for every day carry. https://johns-newsletter-43af29.beehi... Get my Audio Book Prospect's Bible an Audible: https://adbl.co/3OBsfl5Help us get to 30,000 subscribers on www.instagram.com/BlackDragonBikerTV on Instagram. Thank you!We at Black Dragon Biker TV are dedicated to bringing you the latest news, updates, and analysis from the world of bikers and motorcycle clubs. Our content is created for news reporting, commentary, and discussion purposes. Under Section 107 of the Copyright

Sean, Vince, and Jesse discuss women's basketball and Coach Freeman. This episode was recorded on 3/6/2026.See omnystudio.com/listener for privacy information.

Pastors Bible Study 03/04/2026 by Taylors FBC

Pastors Bible Study 02/18/2026 by Taylors FBC

March 1, 2026 | Dr. Thom Schreiner by Taylors FBC

Pastors Bible Study 02/25/2026 by Taylors FBC

This week's Labor Radio Podcast Weekly spotlights workers and activists confronting powerful institutions—from Big Tech's rapidly expanding data centers to global snack companies, anti-union politicians, and workplace conflicts on the job. On Economics for the People from Dollars & Sense, activists Katie Currid and Rachel Gonzalez discuss the boom in artificial-intelligence-driven data centers across the Midwest and the enormous demands these facilities place on local electricity grids and water supplies. On the Green and Red Podcast, host Scott Parkin talks with forest campaigner Maggie Martin about the campaign targeting Mondelēz International—the company behind Oreos, Cadbury, and Toblerone—over tropical deforestation and labor abuses in its supply chains. The Solidarity Podcast from Teamsters Local 769 in Miami features Business Agent Andy Madtes explaining new anti-union legislation moving through the Florida legislature and why union members need to organize and push back. On Hot House with Richie Ray, the focus is workplace conflict for letter carriers. Richie breaks down common Equal Employment Opportunity (EEO) issues, mistakes workers make during disputes, and practical ways carriers can protect themselves on the job. And on We Rise Fighting, Olivia Najera-Garcia of the Union of Southern Service Workers talks about organizing service workers in North Carolina and building worker power across the South. Plus, in our regular Shows You Should Know segment: RadioLabour Canada, Work Stoppage, Pipe Up, and Labor History Today. Find links to every show at laborradionetwork.org and follow #LaborRadioPod on Bluesky, X, Facebook, and Instagram.

During the Battle of Gettysburg, the wooded slopes of Culp's Hill became the scene of some of the fiercest and longest fighting of the entire battle. Confederate forces launched repeated attacks against Union troops defending hastily built breastworks in the darkness of July 2 and the morning of July 3. What happened on this quiet corner of the battlefield played a critical role in protecting the Union right flank and shaping the outcome at Gettysburg.

Some mornings on The Rizzuto Show, everything runs like a well-oiled radio machine.This… is not one of those mornings.In this episode, the gang dives into a chaotic round of Rizz Show Password, and what should be a simple guessing game quickly becomes a masterclass in confusion, overthinking, and questionable clue strategy. If you've ever yelled at your car radio because the answer feels obvious, congratulations — you'll fit right in with this comedy podcast episode.It starts innocent enough: clues flying, teammates panicking, and listeners trying to piece together words from a trail of breadcrumbs like “South,” “Wild,” and “Outlaw.” Somehow that leads to the correct answer of Rebel, proving that sometimes the most chaotic path is still technically the right one.Then things get weirder.The crew stumbles into the now-legendary “Trash Panda” moment, where raccoons get the respect they deserve… and a contestant learns that the internet's favorite nickname for them isn't exactly common knowledge for everyone.But the real meltdown — the moment that will absolutely live in Rizz Show history — is when the word turnip appears.You would think a root vegetable would be easy, right?Wrong.Clues include things like “root,” “potato,” “greens,” “garden,” and somehow — in a moment that should probably be studied by communication experts — “areolas.”Yes. Areolas.What follows is nearly ten minutes of the most baffling, hilarious guessing spiral you'll ever hear on a morning show. By the time someone finally says the word “turnip,” everyone in the room is emotionally exhausted and questioning their own intelligence.And just when you think the chaos is over, the final round somehow lands on Green Lantern, thanks to clues like “light,” “green,” “Chinese,” and “handheld,” which sounds like a recipe for confusion but miraculously works.This episode perfectly captures what makes The Rizzuto Show such a ridiculous daily hang: unpredictable conversations, ridiculous guesses, and the kind of spontaneous comedy that only happens when friends are trying way too hard to win a game on live radio.If you enjoy weird news, hilarious fails, pop culture commentary, and friends roasting each other before 8am, this is exactly the kind of comedy podcast energy you came for.So buckle up for trash pandas, vegetable drama, and one of the most unintentionally hilarious Password rounds in Rizz Show history.Because sometimes the hardest word in the English language… is turnip.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Turkey season is right around the corner, and in this episode we dive into some of the most common questions hunters have heading into the woods. We cover when locator calls actually work (and when they don't), how often you should check on a gobbling turkey before the season opens, and what to expect when hunting pressured public land in the South. We also talk through shotgun setups, choke and ammo combinations, and how long it realistically takes most hunters to kill their first turkey. Topics in this episode: • When and how to use locator calls for turkeys • How often you should scout a gobbling bird • Dealing with hunting pressure on public land • Turkey choke and ammo setups that actually work • How long it takes most hunters to kill their first turkey If you've got turkey questions you want answered on a future episode, submit them on our website. Got a question for the show? Submit a listener Q&A form - https://l.linklyhq.com/l/1uMXP Get your BASS membership here - https://linkly.link/2bfPd Get a discount on your Poncho Outdoors shirts here - https://linkly.link/2bfPZ Grab some Southern Outdoorsmen merch here - https://l.linklyhq.com/l/1u4aK Join Woodsman Wire - https://l.linklyhq.com/l/1u4aR Use the promo code “southern” for a discount on your OnX Hunt membership here - https://l.linklyhq.com/l/1tyfm Check out Latitude Outdoors for your mobile hunting gear - https://2ly.link/1zVDI Use code TSOP15 for a discount on Mossy Oak - https://linkly.link/2ERb8 Save 10% on your next Vortex Optics order at eurooptic.com using the Promo Code “southern10” - https://2ly.link/1wyYO Use code SOUTHERN20 for a discount on all Vortex apparel, including eyewear Have you tagged a deer using something you heard on the show? Submit your listener success story here - Share Your Story Here Come chat with us on our Thursday Hunter Hangouts! Join our Patreon - https://l.linklyhq.com/l/1uMXU NOTE: Not all advertisements run on this show are endorsed by The Southern Outdoorsmen Podcast unless an ad is read by one of the hosts.  Learn more about your ad choices. Visit megaphone.fm/adchoices

"The Singers" is an American short musical comedy film directed by Sam A. Davis. The film, featuring a cast discovered through viral videos and street casting, includes Mike Young and Judah Kelly. Based on a 19th-century Russian story by Ivan Turgenev, it depicts a downtrodden, improvised pub sing-off. It had its world premiere in the Narrative Short Competition at the 2025 South by Southwest Film & TV Festival. It received positive reviews and has been nominated for Best Live Action Short Film at the 98th Academy Awards. Davis was kind enough to spend some time speaking with us about his experience and work on the film, which you can listen to below. Please be sure to check out the film, which is now available to stream on Netflix and is up for your consideration for this year's Academy Awards. Thank you, and enjoy! Check out more on NextBestPicture.com Please subscribe on... Apple Podcasts - https://itunes.apple.com/us/podcast/negs-best-film-podcast/id1087678387?mt=2 Spotify - https://open.spotify.com/show/7IMIzpYehTqeUa1d9EC4jT YouTube - https://www.youtube.com/channel/UCWA7KiotcWmHiYYy6wJqwOw And be sure to help support us on Patreon for as little as $1 a month at https://www.patreon.com/NextBestPicture and listen to this podcast ad-free Learn more about your ad choices. Visit megaphone.fm/adchoices

Rebecca Auman is a witch. That's not an insult — it literally says “head witch” on her LinkedIn profile. Rebecca has been able to read people and pick up on energy and vibrations for as long as she can remember. But as the daughter of a Methodist minister growing up in the South, she was encouraged to turn away from that intuition for a long time. She tells Anita about the long and winding road to reclaim her magic and how she has turned her gift into a service for others.Meet the guest:- Rebecca Auman runs her own witchy business offering tarot readings and intuition training, and she hosts the podcast “Voices in the River”Read the transcript | Review the podcast on your preferred platformFollow Embodied on Instagram Leave a message for Embodied

Nula McNulty is a lifelong resident of North Leitrim, Ireland, who returned home in 2003 after years working on Ireland's east coast and two years in China as a food technologist. Raised on a mixed farm near the Northern Ireland border, she grew up during the Troubles with a father from the North and a mother from the South. Her upbringing instilled in her a strong sense of inclusivity, social conscience, and respect for others regardless of religion, politics, or background.Living near the border deeply shaped her understanding of conflict. As a child, crossing into Northern Ireland meant passing through multiple military and police checkpoints—an experience she accepted at the time but later recognized as extraordinary. She recalls both the deep divisions and the gradual healing that followed, particularly through integrated schools, cross-border initiatives, and community-based projects.Nula believes peace requires communication, acknowledgment of harm, and sustained relationship-building. She has seen healing happen when people work side by side—through women's groups, cross-border arts projects, and community campaigns. For her, the process of collaboration matters more than the finished product; shared work creates understanding and dissolves “othering.”Nula sees prejudice as an ongoing challenge but insists the work of peace is never finished. True progress, she says, comes from listening, acknowledging pain on all sides, apologizing where necessary, and respecting both people and the natural world. Ultimately, she believes respect—for oneself, for neighbors, and for the environment—is the foundation of peace. Love, she says, is easier and more sustaining than hate.Credits:Photos and text, John NoltnerField production, summer interns Kate West, Sawyer Garrison, and Kaitlin ImaiAudio Engineering, Razik SaifullahThanks for listening to A Peace of My Mind's podcast. For photos, videos, and additional content, visit our website and follow us on Instagram.

Sean and Vince discuss Coach Lou Holtz and answer mailbag questions. This episode was recorded on 3/4/2026.See omnystudio.com/listener for privacy information.

Vince and Jesse discuss Coach Holtz, Coach Freeman and ND QB1 CJ Carr. Sean later joins the show to talk about the women's basketball team defeating Miami. This episode was recorded on 3/5/2026. See omnystudio.com/listener for privacy information.

On this week's Talking Michigan Transportation, conversations about automaker efforts to bring down the cost of electric vehicles (EVs), the impact of the EV pullback on the South and trends in safety.Joann Muller, the transportation correspondent at Axios and author of their weekly Future of Mobility newsletter, joined the podcast to talk about those issues and more.Some key topics:·       Ford's efforts to make EVs more affordable.·       How public policy at the federal level will affect the development of autonomous vehicles, which are typically EVs.·       Safety concerns for robotaxis.

Zoning Out Podcast (Presented by The Comedy Zone) is back — and this one starts with coffee instead of rum & coke, then immediately spirals into Valentine's Day chaos, venue horror stories, and the worst dates of all time. Jordan breaks down how his Valentine's Day brunch show got canceled because the venue “forgot” to reserve the space (with tickets already moving), and the crew debates the unwritten rules of Valentine's Day: when to keep it chill, when to break up, and why Denny's might be the most honest brand in America. Then we get into a full-on dating trauma dump: Crying on a first date because someone picked the saddest movie imaginable (Michael Keaton's My Life) A “date” that turned into IKEA labor… ending with someone falling asleep mid-assembly (and yes, parts may or may not have been stolen). The infamous “music playing out loud at the bar” situation that made everyone furious on principle. After the break, the guys do “60 Seconds of Something We Know Nothing About” — where they attempt to defend the indefensible and confidently spread misinformation for sport.  Also: show plugs + big announcements:  Jason Allen opens for Anthony Jeselnik (6 sold-out shows at Goodnights in Raleigh)   Jordan opens for Trish Suhr at a theater in Kannapolis   And don't miss Comics React Live — the live version of Jordan's music video reactions with stand-up in between (mid-2000s TRL/106 & Park vibes). Costumes encouraged.https://www.cltcomedyzone.com/shows/3...   Follow + Subscribe:  IG: @JordanCentry | @KingJasonAllen | @MrWilliamsComedy

This week Richard and Jim reminisce about the greatest amusement park in the South, Opryland USA! Plus we discuss M&M's, this or that with states, Lou Holtz, and we learn that Richard is artistic! All this plus tv, movies, and much more. Enjoy

This week on the New Music Business podcast, Ari sits down with Brian Hobbs and Dev Sherlock. Brian is the VP of Music at South by Southwest (SXSW), where he spearheads the curation and strategic development of music programming at this legendary Austin-based festival. Since joining in 2012, he's worked closely with emerging artists, global partners, and cultural tastemakers to expand SXSW's genre diversity—particularly at the intersection of hip hop culture and international music movements. Dev, the Director of Music at SXSW, programs the festival, helping shape the SXSW's lineup while working directly with artists, teams, and industry professionals navigating the SXSW ecosystem.In this episode, we demystify all things SXSW. Whether you're a veteran or you've never been and are wondering if it's even worth it, this is your deep dive. Brian and Dev break down how this year is massively different from how they've done it in the past, what the point of “South By” actually is, and how to approach it strategically. We get into the weeds on networking—what that really means at SXSW, what it looks like on the ground, and how to do it effectively whether you're an artist, agent, manager, or building a music tech startup. Thinking about applying to showcase? They walk through the timeline, submission process, and what they're actually looking for. If you're attending—or even considering it—listen to this first.https://sxsw.com/ https://www.linkedin.com/in/brian-hobbs-155759164/ Chapters00:00 Introduction to South by Southwest02:14 Changes in the Festival Structure05:43 The Overlap of Music and Tech08:46 The Role of Live Music Discovery11:22 Business Opportunities at South by Southwest19:05 Navigating Official and Unofficial Showcases23:18 Monetizing Opportunities for Artists27:58 The Global Impact of the Irish Diaspora29:48 Travel Concerns for International Artists30:41 Booking Artists for South by Southwest34:55 The Application Process Explained37:57 The Fluid Nature of Artist Bookings41:42 Understanding Compensation Models43:52 The Conference Experience at South by Southwest45:52 Networking Tips for Artists50:57 Defining Success in the Music IndustryEdited and mixed by Ari Davids-ErgasMusic by Brassroots DistrictProduced by the team at Ari's TakeOrder the THIRD EDITION of How to Make It in the New Music Business: https://book.aristake.com Hosted on Acast. See acast.com/privacy for more information.

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Media communications expert Stella Roque left behind conventional work and family obligations  a year. ago at age 40 to instead roam through Asia, solo, meeting new people, exploring, and immersing herself in new cultures. and spirituality. She talks with host Rosemary Armao about what she has learned as an American nomad.Stella Roque is an American nomad, having spent the last year traveling across South and Southeast Asia, immersing in local culture, food, and exploring Eastern spirituality and meditation. Before her travels, she spent a decade as an award-winning communications, media, and community-building leader specializing in digital media and journalism. She has served non-profit media, media development organizations, and government in narrative development, communications strategy, and public engagement. 

With Spring ball right around the corner, we are breaking down the four quarterback situations in the SEC that could define the 2026 season. From proven transfers looking to lock down the job to five-star freshmen breathing down the necks of incumbents, these rooms are pressure cookers. In this episode: The "Big 4" QB Battles: We analyze the depth charts and coaching whispers from the programs with the most to watch this spring. SEC Women's Tournament Preview: Can anyone stop the juggernaut? We preview the bracket, the X-factors, and who is primed for a deep run in the tourney. The Southern Holy Grail: We settle the debate once and for all— maybe - whose fried chicken reigns supreme in the South? (Prepare for some spicy takes in the comments).

Vince and Jesse talk some ND Spring Ball and later in the show Trevor hops on for Rapid Fire. This episode was recorded on 3/3/2026.See omnystudio.com/listener for privacy information.

Shadwick and Brey Polo are back and they're not holding back. This week, the guys dive deep into J. Cole's latest album and break down whether it lived up to the hype. They also weigh in on Bad Bunny's Super Bowl performance — was it everything it was cracked up to be?From there, the conversation gets real as Shadwick and Brey ask the question on every hip hop fan's mind: where is the new sound? The culture is shifting, but where exactly is it heading?The guys take it back to the golden era with their Top 8 albums of 2001, then get into the mysterious 2016 Theory and what it means for music today. Bar-for-bar, they break down one of the coldest debates in rap — Fabolous vs. Lloyd Banks — and then settle in for a classic East vs. South standoff as they revisit T.I. vs. 50 Cent.Things get candid when the guys open up about Tourette's and the N-word, a conversation that's honest, personal, and necessary. Then they shift to Hollywood to debate who should win Best Picture at the Oscars — and who actually will.And to close it out, the guys keep it a buck: Baby Keem's album just didn't hit the way it should have.

Amy E. Wright nació en los Estados Unidos pero ha dedicado su vida a la literatura en español. Está ahora como profesora visitante en Whichard en East Carolina University. Su trabajo se concentra en las publicaciones seriales y cómo ellas se reflejan hoy en series de television, películas y más. Ha ganado diversos premios por su trabajo y su libro crítico Serial Mexico. Storytelling across Media, from Nationhood to Now (Vanderbilt University Press, 2023) es una gran aportación al campo. Su prioridad es conectar a las escritoras de origen hispano en North Carolina y en el sur de Estados Unidos en general. Y ella es la host the evento: ¿Desde qué Sur? Latina/s Writing from the South, que reunirá a las escritoras Von Díaz, Stephanie Elizondo Griest, Tita Ramírez y Dailihana Alfonseca, junto con Adriana Pacheco de Hablemos, escritoras. 

This Day in Legal History: Lincoln's Second InauguralOn March 4, 1865, Abraham Lincoln delivered his Second Inaugural Address as he began his second term as President of the United States. The speech came during the final weeks of the Civil War, when Union victory was increasingly likely but the country remained deeply divided. Instead of celebrating the nearing end of the war, Lincoln used the moment to reflect on the deeper causes of the conflict. He identified slavery as the central issue that had brought the nation into war, describing it as both a legal institution and a moral injustice embedded in American law for generations. Lincoln noted that both the North and South had participated in a system that allowed slavery to endure within the nation's constitutional framework.In one of the address's most striking passages, Lincoln suggested that the war itself might be understood as divine judgment for the nation's long tolerance of slavery. He observed that slavery had existed in the Americas for centuries and reflected on the possibility that the immense suffering of the war was a form of punishment for that history. Lincoln famously stated that if divine providence willed that the war continue “until every drop of blood drawn with the lash shall be paid by another drawn with the sword,” then such judgment might still be just. This reflection framed the war not simply as a political conflict but as a reckoning with a deeply rooted legal and moral wrong.Lincoln's remarks also pointed toward the constitutional transformation already underway through the pending Thirteenth Amendment to the United States Constitution. Congress had passed the amendment earlier in 1865, and it awaited ratification by the states. If adopted, it would permanently abolish slavery across the United States and fundamentally alter the constitutional order. Lincoln's speech emphasized that the war's conclusion would also mark a legal turning point, ending a constitutional system that had protected slavery. At the same time, he called for reconciliation in rebuilding the nation, urging the country to move forward “with malice toward none.” Only months later, the Civil War ended and the Thirteenth Amendment was ratified in December 1865, permanently outlawing slavery in the United States.The House Oversight Committee has asked several high-profile figures to testify about their connections to Jeffrey Epstein as part of a broader investigation into how the federal government handled the case. Those requested to appear include departing Goldman Sachs Chief Legal Officer Kathryn Ruemmler, Microsoft co-founder Bill Gates, and Apollo Global Management co-founder Leon Black.The request to Ruemmler comes shortly after she announced plans to step down from Goldman Sachs and after Justice Department records brought renewed attention to her past communications with Epstein. Emails show that she sought career advice from him while exploring a move from Latham & Watkins to Facebook in 2018 and referred to him in messages as “Uncle Jeffrey.” The correspondence also mentioned gifts she received from him. Reports previously revealed that the two had numerous meetings during the 2010s, years after Epstein had served a prison sentence related to prostitution offenses involving minors.The committee's inquiry focuses on whether Epstein and his associate Ghislaine Maxwell used relationships with influential individuals to gain protection or influence while operating their sex-trafficking scheme. Lawmakers are also examining the federal government's handling of the investigation and the circumstances surrounding Epstein's death in a Manhattan federal jail in 2019.Along with Ruemmler, Gates and Black received similar requests for testimony. Gates has indicated he is willing to cooperate and answer questions from the committee. Black, meanwhile, is also facing a proposed class action accusing Apollo and its leadership of misleading investors about their connections to Epstein, allegations the firm has publicly denied.Other individuals asked to appear include Epstein's former assistants, political adviser Doug Band, and Gateway co-founder Ted Waitt. The committee has already interviewed several prominent figures, including former President Bill Clinton and former Secretary of State Hillary Clinton, as it continues reviewing the scope of Epstein's network and the government's response to his crimes.Goldman's Departing CLO, Gates Asked To Testify On Epstein - Law360 UKThe Justice Department quickly reversed course in an ongoing legal fight over executive orders issued by President Donald Trump targeting several prominent law firms. Late Monday, government lawyers told a federal appeals court they planned to drop their appeal after multiple federal judges ruled the orders unconstitutional. But the next day the department asked the court for permission to withdraw that dismissal request and continue defending the orders.The executive orders targeted firms including Perkins Coie, WilmerHale, Susman Godfrey, and Jenner & Block. The measures sought to restrict the firms' security clearances, government contracts, and access to federal buildings, citing concerns about their clients and hiring practices. The firms challenged the orders in court, arguing they were unconstitutional retaliation against legal advocates.Federal judges consistently sided with the firms, with one ruling describing the order against Perkins Coie as an unprecedented attack on the legal system. After those rulings, the Justice Department initially appeared ready to abandon the appeal. Its sudden reversal, however, would allow the administration to continue fighting the cases before the U.S. Court of Appeals for the D.C. Circuit.The law firms criticized the shift, saying the government offered no explanation for changing its position so quickly. They reiterated their commitment to challenging what they view as an unconstitutional attempt to punish law firms for representing disfavored clients. Civil liberties advocates echoed that criticism, arguing the orders represent a misuse of presidential power.The litigation highlights a broader dispute over the limits of executive authority and the independence of the legal profession. As the appeals process continues, the courts will ultimately decide whether the executive orders can survive constitutional scrutiny.BREAKING: DOJ Nixes Plan To Drop Law Firm EO Appeals In About-Face - Law360In quick reversal, DOJ seeks to continue Trump's battle with law firmsA trial beginning in Chicago will examine claims that baby formula made by Abbott Laboratories caused premature infants to develop a serious and potentially deadly intestinal condition known as necrotizing enterocolitis (NEC). The case consolidates lawsuits from four families whose premature children were born in Chicago-area hospitals between 2012 and 2019 and later developed the disease. Although the infants survived, the lawsuits say several required surgery and continue to face long-term health complications.The case is part of a much larger wave of litigation against Abbott and Mead Johnson, the manufacturer of Enfamil. Nearly 1,000 lawsuits have been filed across the country alleging that the companies failed to warn doctors that cow's milk-based formulas used in hospitals may increase the risk of NEC in premature infants. Many of those cases are consolidated in federal court in Illinois, while others are pending in state courts.Abbott denies that its formulas cause the disease and maintains that the products are medically necessary when mothers cannot produce enough breast milk. The company and other researchers point to evidence suggesting that the higher risk of NEC is linked to the absence of breast milk rather than exposure to formula itself.Previous trials involving similar claims have produced mixed results. Some juries have awarded large verdicts to families, including multimillion-dollar judgments against both Abbott and Mead Johnson, though those decisions are currently under appeal. Other cases have resulted in defense wins or retrials, and several potential bellwether cases in federal court have been dismissed.The Chicago trial, which begins with jury selection, is expected to last several weeks and could influence how the remaining lawsuits move forward. With hundreds of similar claims still pending, the outcome may play an important role in shaping the broader litigation over infant formula and NEC.Abbott set to face trial over claims premature infant formula caused deadly disease | ReutersIn this week's column, I look at a new California proposal that attempts to sidestep the federal cap on state and local tax (SALT) deductions by reclassifying vehicle sales taxes as licensing fees. The idea is simple: if the charge is treated as a property-style fee instead of a sales tax, it could fall into a category that allows taxpayers to make greater use of their federal SALT deduction. Supporters frame the proposal as middle-class tax relief and a way to reduce the amount of federal revenue flowing out of California. But while the policy is clever, its practical benefits would be limited and uneven.The proposal follows a familiar strategy used since the 2017 tax law capped SALT deductions: when one type of tax becomes less deductible, lawmakers try to redesign the tax structure so the revenue flows through a category that remains deductible. California's approach focuses on vehicle purchases, where sales taxes are currently difficult to deduct for many residents. By redefining those charges as licensing fees, lawmakers hope taxpayers could claim them alongside property taxes under the federal deduction cap.In practice, though, most lower-income taxpayers wouldn't benefit at all. Many households take the standard deduction rather than itemizing, especially after recent tax reforms increased its size. For those taxpayers, changing the label on a vehicle tax doesn't meaningfully change their federal tax bill. Even for many itemizers, the savings would likely be small.The proposal mainly helps a narrow band of higher-earning taxpayers—people with substantial state and property taxes who are still just below the federal SALT cap. For them, a vehicle purchase could generate a deductible amount that meaningfully lowers their federal tax liability. But that advantage grows with the price of the car and the taxpayer's marginal tax rate, which means the largest benefits flow to relatively affluent households.If the goal is truly middle-class relief, a more direct approach would likely work better. For example, a refundable state tax credit tied to vehicle purchases could help working families without depending on federal deduction rules or itemization. Another long-term option would be shifting some of California's tax burden from individuals to businesses, since certain business-level taxes remain deductible federally.California's proposal shows the creativity that the SALT deduction cap has sparked among state policymakers. The real question, however, is whether clever tax reclassification is the right tool—or whether more straightforward policies aimed directly at middle-income taxpayers would produce fairer and more predictable results.California SALT Deduction Proposal Is More Clever Than Helpful This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Pollen is already ramping up in parts of the South and West. Here's when tree, grass and weed pollen will spike — and which regions will have the highest levels this year. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode Description In this episode, Paul sits down with Dr. Michael Chamberlain for a wide-ranging conversation on one of the most important (and fast-evolving) frontiers in wild turkey science: genetics. Dr. Chamberlain breaks down the Wild Turkey DNA Project—how it started with “odd plumage” birds showing up on social media, and how it quickly exploded into a massive, nationwide effort to map genetic diversity across the species' range. Along the way, he explains what genetic diversity actually means for wild turkeys on the ground, why some populations may be less resilient than we assume, and how inbreeding signals can quietly build for generations before showing up as real-world declines in reproduction and survival. The conversation also dives into the restoration era and the trap-and-transfer days—what records exist, what the genetics are already revealing decades later, and how today's tools could allow wildlife agencies to be far more surgical if translocation ever becomes necessary again. Dr. Chamberlain also shares fascinating insight into turkey behavior—winter flock fidelity, limited dispersal, and why “they could walk there… but they don't”—and how that creates genetic pockets across the landscape. To wrap it up, Dr. Chamberlain offers a grounded outlook for the 2026 spring season in the South, explaining why the woods may “sound different” this year, what that means for harvest pressure, and why hunters play a direct role in the turkey's future. Topics include: The Wild Turkey DNA Project and why it's grown so fast Odd plumage birds, domestic crosses, and what the genes are showing Genetic diversity, inbreeding risk, and population resiliency What restoration-era translocations may have shaped (and what they didn't) Why turkeys form “genetic pockets” even without obvious barriers The promise of using genetics to guide smarter, more targeted management A realistic 2026 season outlook—and a call for hunter responsibility Learn more about your ad choices. Visit megaphone.fm/adchoices

With Autumn now upon us - some listeners in the South Island might be wondering what happened to summer. The latest data from Earth Sciences New Zealand shows just how wet and cool it was for parts of the South. Chester Lampkin from Earth Sciences New Zealand spoke to Ingrid Hipkiss.

He was a small-town kid from Tuscumbia, Alabama, who dreamed of becoming a lawyer and made it all the way to the top. Gary Wayne Farris built a thirty-year legal career, raised four children, and settled his family on a stunning ten-acre farm in Cherokee County, Georgia.His grandchildren called him "Big Daddy," and he was the kind of man who'd hand you his credit card before you even finished asking for help.But behind the beautiful farmhouse on Purcell Lane, a thirty-eight-year marriage was rotting from the inside out. Secret affairs. Financial warfare. A wife who texted a friend that she hoped her husband would die "alone and a gruesome death."And a family so fractured that when the unthinkable finally happened, a mother and her own son would point fingers at each other across a courtroom.On July 5, 2018, Gary's remains were found smoldering in a burn pile a hundred yards from his home. What started as a possible accident became a murder investigation the moment a .38 caliber bullet was found lodged in his rib cage. The gun was never recovered. The body was burned beyond recognition.And everyone in the family had a reason to want Big Daddy's money.In this episode, we cover the full story — Gary's rise from a middle-class Alabama household to managing partner at one of the South's most respected law firms, the slow collapse of his marriage to Melody Walker Farris, her affairs with at least two men, the damning cell phone evidence that placed her alone on the property when Gary's phone was moving between the house and the burn pile, and the chilling phone call where she told her lover "he's on the burn pile" before anyone had even discovered the body.We walk through the nearly year-long investigation, Melody's arrest in Tennessee where she'd fled to be with her boyfriend, the five-year wait for trial, and the explosive eighteen-day courtroom battle in October 2024 where the prosecution called thirty-six witnesses and introduced over twelve hundred pieces of evidence.We break down the defense's case that son Scott Farris was the real killer, the jury's initial deadlock, and the guilty verdict on all five counts that sent Melody Farris to prison for life.This one's got everything — money, betrayal, buried secrets, and a family destroyed beyond repair.If you're drawn to real criminal investigations, cold cases, and the details that don't always make it into the official report, make sure you're following The Guilty Files wherever you listen.Turn on automatic downloads so you never miss an episode — because each case unfolds in two parts, and the truth is rarely found in just one.If you value careful analysis, real law enforcement insight, and true crime without the sensationalism, consider leaving a five-star rating and written review.It helps more than you know and allows us to keep bringing these case files to light.Until next time —The facts matter.The details matter.And the truth is often redacted.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com