Podcasts about Speaker

One of our listeners has held a secret since he was 17 years old. He helped his buddy FINALLY hook up with his long-time crush, but it came at a humiliating sacrifice!See omnystudio.com/listener for privacy information.

What does it actually mean to delight in God? In this rich and deeply Christ-centered conversation, Stephanie sits down with Geof Morin to explore why delight isn't merely one aspect of the Christian life—it is its very heartbeat.Geof Morin, who has endorsed Stephanie's book, Awaken Delight, is the President and CEO of Biblica, a global Bible ministry helping people engage with God's Word for more than 200 years. Biblica creates and shares life-changing Bible resources that power hundreds of global Gospel ministries.Beginning with Jesus' parable of the treasure hidden in a field, Geof reminds us that our lives are ultimately an invitation to dig where Christ himself points, discovering a treasure worth joyfully giving everything to possess.Together Stephanie and Geof explore why delight can never be separated from Jesus, reflecting on Scripture from Exodus to the Gospels, and tracing how the banner lifted by Moses ultimately points to Christ lifted on the cross. Delight, they argue, is not simply an emotion but the fruit of knowing the living God through his Son.The conversation becomes wonderfully practical as Geof shares how "Bible absorption" has become his primary pathway into delight—not reading for information, but allowing Scripture to reshape the heart. Stephanie adds reflections from Awaken Delight, weaving together the biblical language of delight, deliciousness, thirst, and satisfaction through both English and French imagery.They also wrestle honestly with suffering, exploring how drought deepens roots, why beauty truly can emerge from ashes, and how God often reveals his glory most clearly in places where hope appears exhausted.Finally, Geof shares remarkable stories from his work with Biblica, witnessing people encounter Scripture for the very first time in some of the world's hardest places. These moving accounts remind us that the gospel continues to transform lives today with the same power we read about in the book of Acts.Whether we're standing on a Colorado mountain trail, or sitting quietly with an open Bible, this conversation invites us to taste and see again that the Lord is good—and to discover that delight in God truly is everything.MORE ABOUT "AWAKEN DELIGHT" BY STEPHANIE ROUSSELLE"Delight yourself in the Lord, and he will give you the desires of your heart." This is God's promise to you in Psalm 37:4. But many believers quietly assume it's just a poetic suggestion, or it doesn't really work here on earth.In Awaken Delight, Stephanie Rousselle invites you to rediscover what Scripture actually means by delight in God. It's not emotional hype or religious performance, but a steady satisfaction rooted in who God is.Through biblical theology and practical rhythms, you'll learn how delighting in Godreshapes sufferingquiets restless strivinganchors your identity in God's unshakable delight of youLearning to delight in God is the quiet revolution that reshapes how we endure pain, love others, and understand our own hearts.Awaken Delight is a theologically grounded spiritual formation book for thoughtful believers who feel spiritually fatigued and are ready to embrace the reality of Psalm 37:4.More at https://www.gospelspice.com/awakendelightMORE ABOUT BIBLICAhttps://www.biblica.com/ DISCOVER THE BOOK BEHIND THE PODCAST | "Awaken Delight" by Stephanie Rousselle"Delight yourself in the Lord, and he will give you the desires of your heart." Psalm 37:4 isn't a poetic suggestion — it's a promise. But many believers quietly assume it doesn't really work, or it's not really possible here on earth.In Awaken Delight, Stephanie Rousselle invites you to rediscover what Scripture actually means by delight — not emotional hype, not religious performance, but a steady satisfaction rooted in who God is.Delight in God isn't a mood to manufacture; it's a relationship to receive.Through biblical theology and practical rhythms, you'll learn how communion with God reshapes suffering, quiets restless striving, and anchors your identity in something unshakable.Delighting in God isn't sentimental optimism. It's deeply rooted in Christ, Jesus.It's the quiet revolution that reshapes how we endure pain, love others, and understand our own heart.Awaken Delight is a theologically grounded spiritual formation book for thoughtful believers who feel spiritually fatigued and are ready to embrace the reality of Psalm 37:4.More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JKind words from Jennifer Rothschild, Bible teacher, Author, Speaker, Podcast Host, Founder, Fresh Grounded Faith: “Stephanie helps us awaken to and experience true delight. It is a rich mix of God's delight in you and your delight in him. This is the life you were made for, the life your soul deeply longs for. So, the table is set. Pull up a chair and let your heart sit alongside Stephanie. As your delight in God wakes up and becomes fully realized, you'll find a satisfaction in Christ that makes you want more and more.”Kind words from Amanda Jenkins, Lead creator of THE CHOSEN's literary content: "I have yet to meet another person quite as eager to intimately know Jesus as Stephanie is. Her enthusiasm for the beauty found inside a thriving relationship with her Savior is downright contagious. Indeed, Stephanie's joy and faith and commitment to growth—along with her love for really good food!—will implant themselves in the hearts of readers. Lucky readers."Kind words from Os Guinness, Theologian, Social critic, Author, The Call:  "Stephanie addresses one of the greatest needs of Christians today. Knowing God is not knowing about God, but knowing Him genuinely and with desire and delight. She does so practically and helpfully, and in a style that sparkles with a verve and joy that is distinctively French."Kind words from Pippa Gumbel, Pioneer, The Alpha Course; Author, The Bible in one year with husband Nicky: "Stephanie's love of God is inspiring and infectious. Her book is an invitation to share in that delight and to come to know God in new and wonderful ways."More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JSupport us on Gospel Spice, PayPal and Venmo!

I welcomed one of my hero authors, Michael Morpurgo, and his wife Clare, to Highclere Castle to talk about storytelling, history, the magic of reading, and the extraordinary charity they founded together — Farms for City Children.Michael shared how War Horse came to life and why understanding the First World War matters more than ever today. We recalled the unforgettable day Joey, the National Theatre's War Horse puppet, came to Highclere in 2014 — walking through the very library where Almina, my predecessor, had nursed soldiers back from the trenches a century before.Michael told the wonderful story behind Farms for City Children — how Clare, a childhood afternoon let loose near a Devon farm, courtesy of her father Allen Lane, founder of Penguin Books, sparked a lifetime's passion for the countryside, and how that passion became a charity that has given over 120,000 inner-city children a week of real farm life.We explored the importance of books and reading, handwriting, the friendship with Ted Hughes, the honest editorial partnership between Michael and Clare, and my own plans for a Highclere Literary Festival this October.We ended with Michael's dream summer evening guest: the radiant Audrey Hepburn.00:00 Welcome & Introduction02:10 War Horse & Joey Comes to Highclere06:30 History, World War I & Why It Still Matters13:15 The Origins of Farms for City Children21:45 A Real Farm — Not a Pretend Farm28:00 Highclere: Farm, History & the Fifth Earl33:20 The Power of Reading & the Literary Festival38:10 Writing by Hand, Ted Hughes & the iPad44:00 Editing, Marriage & Telling the Truth49:30 Dream Party Guest: Audrey HepburnTopics CoveredWar Horse & HighclereThe origins of War Horse and why Michael believes we must understand history to navigate the presentLady Carnarvon recalls the day Joey, the War Horse puppet from the National Theatre, came to Highclere in 2014 to mark the centenary of World War IHighclere Castle served as a real military hospital during World War I — Lady Carnarvon's predecessor, Almina, nursed soldiers back from the trenchesThe contrast with the fictional Downton Abbey and the very real human stories preserved in letters at HighclereHistory, War & ResponsibilityMichael reflects on why the First World War is so important — and how it directly caused the SecondThe role of individuals and political movements in triggering conflict, from Sarajevo to the rise of HitlerWhy Michael feels it is "timely" to revisit these lessons today, given the state of the worldSeeing War Horse in the theatre the night before recording — and what it still means to himFarms for City ChildrenClare's childhood inspiration: sent outside to explore as a young girl near a Devon farm, she fell in love with the countryside, animals, and the rhythm of rural lifeHer father, Allen Lane, founder of Penguin Books, instilled a love of the natural worldWhy Clare and Michael left teaching after realising they weren't reaching the children who needed them mostHow the charity started with one Victorian farmhouse in Devon and has since grown to multiple working farmsOver 120,000 children have now spent a week on a real farm — milking cows, feeding lambs, grooming horses, doing genuine workMeeting former "farm children" now aged 45 with families of their own, who say the experience never left themHighclere Today — A Living EstateFarming records at Highclere dating back to the 16th century; earliest written records from 749 ADLady Carnarvon's rare breed Cornish pigs, Belted Galloway cattle, 1,400 ewes, and 2,500 lambsThe Iron Age Fort and Bronze Age Tumuli on the estateWilliam of Wykeham (1324–1404) — bishop and founder of Winchester College and New College, Oxford — lived at Highclere; it was his palaceThe fifth Earl of Carnarvon, who discovered the Tomb of Tutankhamun, was a voracious reader; his will, written at 21, listed his books as among his most prized possessionsThe Power of Reading & WritingWhy books matter: they let children ask questions, explore mortality, understand the world, and feel less aloneMichael's beach anecdote — watching his granddaughter's husband read to their one-year-old, with the baby turning the pages back — as a perfect image of how the love of books is passed onThe importance of parents reading aloud, good libraries, and physical booksLady Carnarvon's Highclere Literary Festival — launching this October, with:A children's trail through the gardens (including a wardrobe inspired by Narnia and an entrance to fairyland)The Curious Tent and Speaker's CornerWriting and reading competitions with cash prizesFree entry for under-16s who have read a book or written somethingLady Carnarvon's campaign for handwriting — the link between brain, hand, and penTed Hughes, Writing by Hand & TechnologyMichael's lifelong habit of writing by hand — and how arthritis in his finger has forced a reluctant move to an iPadNeighbour and friend Ted Hughes on why handwriting matters: it keeps the mind and the process in syncMichael's delight at discovering he can dictate to his iPad ("It prints it out magically")Editing, Marriage & HonestyClare as Michael's first editor — "quite unfairly truthful" — and why he always takes her notes even when he doesn't want toThe ongoing verdict: nothing he's written in the 65 books since War Horse has matched itLady Carnarvon's husband editing her first book and his well-meaning but devastating comment: "Don't worry if nobody reads it — you've still tried very hard"A Summer Evening QuestionIf you could take anyone to Lady Carnarvon's summer jazz evening, who would it be?Clare: Gregory PeckMichael: Audrey Hepburn (Roman Holiday)A discussion of Audrey Hepburn's extraordinary grace — and how grace itself is something both Michael and Lady Carnarvon seek in their work and livesMentioned in This EpisodeWar Horse — Michael Morpurgo (novel, stage production, Steven Spielberg film)Waiting for Anya — Michael MorpurgoThe History Boys — Alan BennettFarms for City Children — farmsforcitvchildren.orgHighclere Literary Festival — October 2025, Highclere CastleAllen Lane — founder of Penguin BooksAlmina, Countess of Carnarvon — WWI hospital at HighclereWilliam of Wykeham — founder of Winchester College and New College, OxfordThe fifth Earl of Carnarvon — discoverer of Tutankhamun's tombTed Hughes — poet, neighbour of the MorpurgosRoman Holiday (1953) — dir. William Wyler, starring Audrey Hepburn and Gregory PeckAbout Lady Carnarvon's PodcastLady Carnarvon records her podcast from Highclere Castle, home of the real family whose story inspired Downton Abbey. Episodes explore history, heritage, literature, and the people and ideas that have shaped Highclere and the wider world.You can hear more episodes of Lady Carnarvon's Official Podcasts at https://www.ladycarnarvon.com/podcast/New episodes are published on the first day of every month. 

The Pleasure Zone with Milica Jelenic - Diamond Host Toying with better sex can transform the way couples experience pleasure, connection, and intimacy. Toying with sex isn't just about adding gadgets to the bedroom—it can be about discovering what your body wants, communicating desires, and making sex more playful. Toying with better sex can also help break routines, spark curiosity, and create new opportunities for pleasure and connection. In this episode, we'll explore five provocative talking points: Why Toys Can Make Sex Better Toys, Communication & Consent When One Partner Isn't Into Toys Solo Pleasure Meets Partnered Sex From Routine to Adventure 5 Key Takeaways Sex toys can be tools for self-exploration. Learning what you enjoy can make it easier to communicate your preferences and desires with a partner. Adding toys can create more pleasure, connection, and intimacy. Curiosity and play can help move sex beyond routines that have become predictable or stagnant. Consent and communication are essential. Regardless of how long you have been together, introducing or using a toy requires conversation and consent. Choose what works for your body—not what is popular. Different bodies enjoy different types and levels of stimulation, so the most talked-about toy may not be the right one for you. Solo pleasure can become part of partnered pleasure. Exploring a toy yourself and then showing your partner what works can open communication and create new opportunities for play together. Join Milica Jelenic, Sex & Intimacy Coach and Holistic Health Practitioner on this episode of The Pleasure Zone where we will be "Toying With Better Sex". Grab your Yes, No, Maybe list - all about Playful Tips for Pleasure here    The Pleasure Zone – A Guide For Curioius Pleasure Seekers Inspired Choices Network Hosts Author Milica Jelenic   Amazon.com – https://www.amazon.com/dp/1997615401 Amazon.ca – https://www.amazon.ca/dp/1997615401     ~ More About The Pleasure Zone ~ Milica Jelenic is a Sex & Intimacy Coach, Speaker, and Pleasure Advocate who empowers individuals and couples to cultivate deeper intimacy, authentic connection, and greater vitality. Through her intuitive, playful, and compassionate approach, she helps clients release judgment, embrace their bodies, and discover how pleasure can become a powerful catalyst for healing, confidence, and a more fulfilling life. Known for creating a safe, engaging, and transformative space, Milica combines insight, curiosity, and practical guidance to inspire meaningful change. She invites people to explore new possibilities, reconnect with themselves, and experience the joy, ease, and aliveness that come from living with greater pleasure, presence, and self-acceptance.    MilicaJelenic.com   www.milicajelenic.com/    Email   milica.jelenic.mj@gmail.com    YouTube   www.youtube.com/@thepleasurezone    LinkedIn   www.linkedin.com/pub/milica-jelenic/37/349/772    Instagram   www.instagram.com/thepleasurezoneradio/    Facebook   www.facebook.com/MilicaPZ       TikTok   www.tiktok.com/@milicajelenic1 The Pleasure Zone with Milica Jelenic: https://www.inspiredchoicesnetwork.com/podcast/the-pleasure-zone-milica-jelenic/

Industrial Talk/BCC is talking to Sounil Yu, Chief AI Officer at Knostic about "The DIE Triad - Distributed, Immutable and Ephemeral". The conversation promotes the Barcelona Cybersecurity Congress, scheduled for November 3-5, 2023. Speaker 1 emphasizes the importance of cybersecurity and networking opportunities at the event. Sounil Yu, a seasoned cybersecurity professional, discusses the evolving landscape of cybersecurity, particularly the role of AI in making cybersecurity less relevant. He introduces the DIE triad (Distributed, Immutable, Ephemeral) and the Cyber Defense Matrix as frameworks for addressing cybersecurity challenges. Sounil also highlights the need for a cultural shift towards high-velocity engineering and continuous reengineering to stay secure. The discussion concludes with information on how to connect with Sounil and attend the Congress. Outline Barcelona Cybersecurity Congress Promotion Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance and urging listeners to mark their calendars for November 3-5.The event is described as a must-attend for networking with top cybersecurity professionals from around the world.Scott mentions their own participation and broadcasting at the event, encouraging listeners to join.Contact information and details about the event are available on Industrial Talk. Introduction to Industrial Talk Podcast Scott reiterates the importance of the Barcelona Cybersecurity Congress and its alignment with Industrial Talk's mission to celebrate industry professionals.The podcast is described as a platform for celebrating bold, brave, and innovative industry professionals.Scott emphasizes the collaboration with the Barcelona Cybersecurity Congress and the importance of cybersecurity solutions and professionals. Introduction of Sounil Yu Scott introduces Sounil Yu, highlighting his extensive experience and expertise in cybersecurity.Sounil's background includes roles at Bank of America and his experience in penetration testing and red team activities.Scott praises Sounil's ability to make complex cybersecurity concepts consumable and understandable.The conversation is set to delve into topics like cybersecurity, AI, and network protection. Sounil Yu's Background and Philosophy Sounil shares his 30+ years of experience in cybersecurity, including his role as a chief scientist at Bank of America.He describes his job as running experiments to learn through failures, emphasizing the importance of documenting and explaining what is learned.Sounil discusses the rapid changes in technology and the need for organizations to adapt to new challenges.He introduces the concept of the Cyber Defense Matrix and the DIE triad (Distributed, Immutable, Ephemeral) as tools for understanding and addressing cybersecurity issues. The Role of AI in Cybersecurity Sounil explains how AI is accelerating the evolution of cybersecurity, making traditional cybersecurity approaches less relevant.He introduces the concept of high-velocity engineering organizations that constantly build, rebuild, and tear down systems to reduce attack surfaces.Sounil provides examples of how AI tools are enabling organizations to pivot quickly and adapt to new challenges.The discussion touches on the cultural shift needed for organizations to embrace high-velocity engineering and the role of AI in facilitating this change. The DIE Triad and Cybersecurity Sounil elaborates on the DIE triad, explaining how distributed, immutable, and ephemeral systems can reduce the burden of security.He discusses the trade-offs between long-lived assets and the benefits of short-lived systems in terms of security.Sounil provides examples of how AI is enabling the creation of ephemeral systems that are less vulnerable to attacks.The conversation highlights the importance of adapting to new technologies and the role of AI in enhancing cybersecurity. Training the Next Generation of Cybersecurity Professionals Sounil emphasizes the importance of curiosity and experimentation in developing cybersecurity professionals.He encourages young professionals to explore new technologies and understand their vulnerabilities.The discussion touches on the need for continuous learning and adaptation in the cybersecurity field.Sounil highlights the importance of addressing both long-lived and ephemeral systems in cybersecurity training. The Future of Cybersecurity and AI Sounil discusses the potential of AI to improve cybersecurity by proactively finding and addressing vulnerabilities.He acknowledges the current advantage of attackers in using AI for attacks, but sees a future where defenders can leverage AI for better security.The conversation explores the role of AI in accelerating high-velocity engineering and the benefits of reengineering systems quickly.Sounil emphasizes the need for a mindset shift towards continuous building and reengineering to stay ahead of cybersecurity threats. Cultural Shift and Organizational Adaptation Sounil discusses the cultural shift needed for organizations to embrace high-velocity engineering and AI.He provides examples of how organizations have adapted quickly during crises, such as the COVID-19 pandemic.The conversation highlights the importance of a flexible and adaptive culture in cybersecurity.Sounil encourages organizations to see themselves as developing countries, constantly building and reengineering to stay competitive. Conclusion and Contact Information Scott wraps up the conversation, emphasizing the importance of attending the Barcelona Cybersecurity Congress and networking with professionals like Sounil.Sounil provides his contact information, including his website and LinkedIn profile, for listeners interested in learning more.The conversation ends with a reminder of the discount code for the Barcelona Cybersecurity Congress and the importance of staying connected and informed.Scott reiterates the value of the event and the opportunities it presents for professional growth and networking. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2026. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! SOUNIL YU'S CONTACT INFORMATION: Personal LinkedIn: https://www.linkedin.com/in/sounil/ Company LinkedIn: https://www.linkedin.com/company/cyber-defense-matrix/ Company Website:

Keith explores how real estate strategies have shifted from the 1980s to today and explains why investors need to adapt deal structures to changing interest rates, lending conditions, and market cycles.  He highlights current opportunities in new construction and builder rate buydowns, along with the long-term benefits of fixed-rate debt.  Keith is joined by economic futurist and author Richard Vague, who challenges conventional beliefs about inflation and interest rates and explains how government intervention, war, and supply constraints shape asset prices and leverage decisions. Together, they provide a big-picture framework for understanding how today's macro environment affects real estate investing decisions. Episode Page: GetRichEducation.com/621 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Learn how dramatically real estate has changed from the 1980s through the late 2020s. We'll be sure that your approach is changing with it. Then a great guest and I discuss how war and future calamities will affect mortgage rates, inflation, and your real estate today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Cambridge, England, to Cambridge, Massachusetts, and across 188 world nations. I'm Keith Weinhold. You're inside Get Rich Education. You could be doing anything with your time. I'm grateful that you choose to listen to me every week. You know, real estate investors sometimes say, "Ah, there aren't any deals anymore. What they usually mean is the deal structure that they learned five years ago stopped working. There are always opportunities in real estate, but your approach changes with interest rates, lending standards, inventory, construction, government policy, and just the overall economic cycle. The best investors don't wait for yesterday's market to return. That's like someone still hoping for Blockbuster Video Store to reopen. They identify what today's market is offering instead. Just consider this historic retrospective on real estate investing from the Reagan administration to today, in 1981, the 30-year mortgage rate peaked above 18.6%. I mean, just imagine proudly telling your friends that you locked in at 17% before rates went higher. That mortgage needed its own defibrillator. By 1984, rates were still near 16%. The strategy then, the approach, was for a buyer to assume the existing owner's lower rate mortgage that they locked in a few years earlier, perhaps in the late 70s, that's how you got a good deal, assuming that existing owners lower-rate mortgage. You can't do that so easily today.   Keith Weinhold  3:50   By the late 80s and early 90s, the opportunity shifted from assuming attractive debt to buying distressed properties. The S and L crisis was upon us. Savings and loan failed lenders found themselves holding piles of distressed real estate, so investors bought foreclosures and REOs at discounts. They improved neglected buildings and then they repositioned them for income. You probably know that REO stands for real estate owned on a bank's balance sheet. All REO means is bank-owned property, but that's what you did. You found those, and then you scooped up a deal that way. As the 1990s progressed, interest rates declined, and loans also became really easy to obtain. We were tilting into the loosey-goosey easy lending environment. In the 90s, it was popular to buy an undervalued property, renovate it, raise the rent, and refinance it based on the improved value. That process later got a buzzy acronym and became known as the Burr strategy: buy, rehab, rent, refinance, repeat. By 2005, financing got more creative. This is when I was a new real estate investor. I remember obtaining what were known as 8015 five combo loans. This meant an 80% first mortgage, 15% second mortgage, and 5% down payment. You remember those? If you've been around for a while, you do. And see, this way you could avoid paying PMI, and you could control property with an astounding 20 to one leverage ratio due to that 5% down payment, but soon enough lending just got absolutely too creative and easy. The quiet lending party turned into a boisterous kegger, delivering the 2008 financial. crisis, and pretty soon I could no longer get any loans. From 2009 through the early 2010s, you could buy foreclosures and short sales at enormous discounts if you could find the loan.   Keith Weinhold  6:20   Financing was tough, but prices were super low. It might have even made sense to pay cash at that time. Fear was everywhere right after the global financial crisis. I mean, it really took courage to act when others were hiding under the bed. By 2020 and 2021, the opportunity changed from cheap property to cheap money. Mortgage rates dropped below an absurd 3% as a result of the COVID pandemic. You could lock up extraordinarily cheap debt for less than the inflation rate, and then let inflation nibble away at it like Pac-Man. Of course, a lot of us are still benefiting from that today, but that opportunity is long gone now. But it doesn't mean that deals are gone today. Where's the opportunity? One of the best ones is often found in new construction, large build. have got to keep moving their inventory as they build these homes because they have got to keep their crews busy. An unsold house for a builder-I mean-that produces as much income as an unplugged Bitcoin miner. Rather than make conspicuous price reductions, builders use their financial muscle to buy down mortgage rates for you, often in the 5% range or even lower.   Keith Weinhold  7:52   Builders might also offer you closing cost assistance, upgraded finishes, or other incentives that a single resale seller just can't match. So from the Reagan administration to today, over 45 years, the winning strategy just keeps morphing. It started out back then as assume the loan, over to buy distress, then to renovate and refi, then it was a creative financing wave, and then cheap debt, and today take the builders buy down. That's where we are. The mistake is deciding in advance what a deal is supposed to look like. The best deal structure changes, and of course, it's going to change again. The investor who keeps fighting the last war is always going to conclude that the opportunity has disappeared, but it hasn't. It's just changed clothing. Still, though, today's new purchases now-they're not as good as the deals that they were five years ago, but the best investors keep investing. They keep adding to their portfolio. It's what they've always done. Absolutely zero winning investors that are successful over time look back and say things like, "I didn't add anything to my portfolio during that 10-year span for this or that reason, the market changes, and you've got to adapt with it. That's a way to think about it. Take solace in knowing a few things. Deal structure changes over time are inevitable. And larger picture, you are investing in a product that is sustainable residential real estate in the form of long-term rentals. These entry-level properties are a scarce asset that people are going to continue to need. I mean, that's what we do here. Just compare. To the fads that we avoid around here, like NFTs, metaverse real estate, which we discussed on the show a few years ago, but said is highly dangerous, eye buying, value add apartment syndications, SPACs, or how about ICO funded altcoins? We don't chase the latest hot thing here at GRE. It is about what's sustainable, necessary, and cannot be easily disrupted by AI, and that's one reason that Get Rich Education is still standing strong after 52 episodes every year for almost 12 years now. Shortly, we're going to bring in a rather esteemed guest today on the future direction of interest rates and inflation. Interestingly, he believes that raising interest rates does not cool inflation, and that's contrary to popular belief. I'm going to press him on this and ask why, but first, our new Fed chair, Kevin Warsh. He's only been on the job a few months now.   Keith Weinhold  11:07   He is gaining a reputation for not forecasting what they're going to do ahead of time, like his predecessor had. I guess I tend to like his disposition and the way that he communicates, I sense some pragmatism with Warsh, but gosh, it often seems that a new Fed chair gets off to a well liked start, and then they do something that lots of people criticize. Like, remember in 2004, late Fed Chair Alan Greenspan suggested more borrowers could benefit from adjustable rate mortgages shortly before rates rose and ARM resets became financial landmines. In 2007, Ben Bernanke said that subprime mortgage problems were likely to be contained. Oh, right after that, they helped trigger the global financial crisis, and more recently, the Jerome Powell gaffe, which I'll mention in the interview shortly. Here's what current Fed Chair Warsh says about inflation:   Kevin Warsh  12:14   For some households, businesses, and market professionals, five years of high inflation have left a mistaken impression, that's hard to shake, that the Fed's implicit inflation target was somehow above 2% Let me reiterate, there is no soft inflation target. There is no soft implicit target, not on this committee's watch. There's only a target, and it's 2%   Keith Weinhold  12:42   It's obvious that he is serious about getting inflation back down to 2% That tends to point toward interest rate increases. Let's discuss that and more with this week's brilliant guest. This week's guest is an economic futurist keynote speaker, and he's quite a popular author. He is chair of the board of the Public School Employees Retirement System. That's the largest public pension fund in Pennsylvania. Previously, the Pennsylvania governor appointed him as the secretary of banking and securities for the Great Commonwealth of Pennsylvania, he's also the founder and president of several various organizations today, and he serves on several boards, including at the University of Pennsylvania and the School District of Philadelphia. I mean, I hardly know how he has time to do it all, but he made time for us today. Hey, it's great to welcome back Richard Vague.   Richard Vague  13:45   It's such an honor to be with you. I certainly enjoyed our last session, and it's really wonderful to be back.   Keith Weinhold  13:51   Well, and so much has changed since you were last here, Richard. First, why don't we pull back and talk to us about the general state of the national economy today, as you see it.   Richard Vague  14:04   ou know the economy was rocking along okay, and you know since you guys are such experts in real estate, I'll tell you one of the most important statistics, in my opinion, is the number of unsold homes, and by all rights, that number should be about 2 million homes. It's only about a million and a half. So there's a deficiency in our housing stock in the United States, which is, yeah, I think good news for the housing industry. It's always good to have a reason to have to grow. You may recall that in 2007, that had gotten up to four millinomes, which was a catastrophe, as we all know. So, it's the economic statistic I looked at first and most closely, and that was, you know, an okay number, and a lot of the things were going along. You know, not fabulous, but not terrible. Things were kind of moving. And all of a sudden now we have the war in Iran, and that's creating all sorts of problems for us, which you know I think you guys are concerned about. So I generally think the economy's been good, but there's a lot of dark clouds on the horizon.   Keith Weinhold  15:15   You know, Richard, I was recently sharing something remarkable with our audience. To your point, just since 2020, consider all the calamities that we've had: COVID, Ukraine, Israel, Gaza, tariffs, and the Iran War. Just since 2020, what's the result of all that? Both stocks and residential real estate are near all time highs.   Richard Vague  15:42   Yeah, well, you know, one of the things that's true is that this is something I go to in great detail in my book Paradox. But the more debt there is, the higher asset prices go.   Keith Weinhold  15:53   Yeah.   Richard Vague  15:54   You know, in the case of housing, that broadly helps middle America. In the case of the stock market, the top 10% of the country owns 87% of the stocks, so that tends to go to the wealthiest instead of to the broad population. But yeah, those two things are at highs.   Keith Weinhold  16:12   You're touching on your well-received 2023 book, The Paradox of Debt, and you know, Richard, amidst all these calamities and all this potentially unprecedented level of government intervention that we've had-you know-it makes one wonder during the next crisis, which is inevitably going to happen, will the government just step in and provide relief again? And how would that look?   Richard Vague  16:38   You know, I think that's one lesson that government has learned indelibly. Way back in 1929, in the couple of years that followed, the government did not step in, and we saw what happened. And I think there's a generation of economists that understand the role of government in a calamity, and you know it's pretty simple. You know the government comes in and crops up financial institutions as they did in 2008, simply by providing the liquidity or buying the bad assets, or the government steps in with relief checks as they did in such a massive way in 2020. But the government has learned that at least to some degree, it needs to intervene. I can't imagine that ever not being true.   Keith Weinhold  17:26   Goshmright when you think about 2020s stimulus and how emergency lending facilities were set up, you had the payment protection program, stimulus checks, mortgage loan forbearance. It's just like this government won't let the asset holders fail.   Richard Vague  17:46   Well, yeah, you know, there's failure, and then there's something that's hurtful but not quite failure. You know, I can imagine that the government will be able to prevent, in some circumstances, certain asset prices going down some amount, it's actually fairly commonplace for stocks to go down 10 or 20% I can see real estate prices going down as they have in the commercial office space. Yeah, but yes, the government will step in when those things become extreme to prevent a true calamity.   Keith Weinhold  18:19   Of course, one consequence of the interventionism is elevated inflation. I know how you've talked before about how the level of inflation is higher than most people think. For example, you'll see today's CPI numbers in the mid threes. Talk to us some more about why inflation is higher than most people think.   Richard Vague  18:41   Well, I have studied inflation, you know, fairly diligently, and inflation really relates to the constriction of supply. And if you look over the 250-year history of the United States, we haven't had that many episodes of bad inflation, and they've always related to a constriction of supply. Most of them have occurred during a war when, for obvious reasons, you know, supplies are constricted. The big 1970s episode of inflation was because OPEC, which had so much more power back in those days, acted to you know punish the United States by constricting supplies, and the price of a barrel of oil went from $4 to $40 a barrel. Yeah, between 73 and 79. COVID was another instance where inflation related to constriction of supply. That was you know people couldn't go to the meat factory to cut meat. People couldn't go to the factories to build things, so all of a sudden our supplies were decimated, and we had a short burst of very painful inflation. Well, now we've got the straight of four moves, and that is impacting the price of oil. I think it's going to impact the price of oil more going forward because. Because we've been able to rely on reserves, both the U.S. has been able to rely on reserves, and China has been able to rely on even greater reserves. And you know we haven't seen the brunt of that, but unless something's resolved pretty quickly, I think in the fall and winter we're going to see even more problematic prices there. But we know agricultural prices and even the flow of commodities like wheat are constricted by the constraints in the Strait of Hormuz and, frankly, other waterways as well. Now, one of the things the numbers that you see reported tend to underreport inflation because it looks at a year-over-year number and doesn't really capture it if it's moved up more sharply in the last month or two. So we look at it on a month-by-month. We you know we break it down about as to as many parts as you can break it down into. But PPI, which is kind of a leading indicator on the eventual CPI PPI's producer price index, it was 4.7% this last month. That would suggest to you that things which are in the mid threes now, which is more higher than we want, you know, probably trending over. Maybe not next month, but you know, over the next three to six months, I'm not going to be surprised if the number's more in the four to five range. So, yeah, I think inflation's being somewhat underreported at the moment.    Keith Weinhold  21:29   The PPI being that harbinger of consumer prices, often four to six months down the road. And Richard, the last time you were here, when it comes to checking and controlling inflation, you said something so interesting. You said that higher rates, which is typically the response in order to try to quell inflation, higher rates actually do not lower inflation, and you did not get a chance to expand on that because we ran out of time. Tell us more about why higher rates do not reduce inflation.   Richard Vague  22:05   Well, I'm going to answer that a couple of ways. One of them is higher rates don't open the Strait of Hormuz.   Keith Weinhold  22:12   Right.   Richard Vague  22:13   You can put rates as high as you want, and it's not going to open the Strait of Hormuz.    Keith Weinhold  22:16   Chairman Warsch doesn't open the Strait. Yes, he doesn't get oil produce nothing.   Richard Vague  22:20   Strait of Hormuz.   Keith Weinhold  22:21   Yeah.   Richard Vague  22:21   And so we can do all we want to on raids, which is a very blunt instrument, and it's not going to address the supply constraints that are geopolitical and war related. So, if you want to curb inflation right now, there's two things to do. One of them's you know end the war with Iran, and the other is to kind of back off a lot of these tariffs that have become so problematic. I think there's a place for tariffs. I think there's certain things China's doing that you know a call for an appropriate level of tariffs. I'm not sure we should be big tariffs on Canada and some of these other places, which have the effect of increasing the cost of our farm equipment and cars and other things like that. So, if you really want to address inflation and address the things that truly underlie inflation, and if the second way I'd answer this is to say, go look at the debt, track the data from you know 1945 or 50. You know, we really look at the post World War II period as the place we really learn things from, and over that period, increased government spending has been accompanied by reduced interest rates and reduced inflation. So, reduced interest rates and reduced inflation have gone hand in hand, and rising interest rates and rising inflation have gone hand in hand, and it's a really easy thing to look at. We've got the data on our site, but there's only been three periods where you've had big shifts in government spending and rates. They're pretty easy to look at, and there's actually empirically an inverse relationship between rising interest rates and it's the opposite of what economists tell you.   Keith Weinhold  24:09   I think, in general, economists tell us that when inflation is high, you raise interest rates because consumer spending is about 70% of the economy, and those higher rates therefore incentivize people to be savers because they're getting paid a higher yield, keeping those dollars out of the economy, and they're less incentivized to be borrowers and expand the economy that way. I think in general that's why economists say that higher interest rates reduce inflation. Do you agree with that?   Speaker 2  24:40   Well, no, I don't, and the reason I don't is because when you look at the data, that doesn't happen. These are easy things to check, and what I would say to you is that rising interest rates increase costs, and you guys know that better than anybody in the world.   Keith Weinhold  24:56   With mortgages. Yeah.   Richard Vague  24:58   What do rising interest rates do to? Cost of your mortgage.   Keith Weinhold  25:02   Everything increased substantially.    Richard Vague  25:03   It has system prices at the grocery store. Well, the grocery stores have to pay our interest for their inventory. So the more intuitive and obvious thing is that rising interest rates increase prices. And by the way, if you and I were to go look at the data right now, which I look at almost daily, that we would see periods of rising interest rates correlate to periods of rising increased costs.   Keith Weinhold  25:29   Well, I'm glad you look at history because I often say here at Get Rich Education, if you want to know what's going to happen in the future, it's easy to have a hunch, but it's more important to look at history. Can you talk to us some more about how, over the long term, higher interest rates don't suppress inflation? If that's what you're saying,   Richard Vague  25:47   yeah. The greatest rise in inflation, you know, in my lifetime was the late 1970s.   Keith Weinhold  25:55   Yeah,   Richard Vague  25:56   and for the entire time that interest rates were going up, prices and inflation were going up, and it wasn't until interest rates started coming down that inflation started coming down. So we could look at any number of periods, and if you're going to argue the opposite, you need to go find me some data.   Keith Weinhold  26:15   Okay. Well, speaking in more modern times, in the last wave of inflation that we had, the CPI peaked at 9.1% in June of 2022. This is the whole famous Jerome Powell: inflation is only transitory. Oh shoot, no, it's not. I better hike rates. He did, and then inflation came down. Is it as simple as that cause in effect, or did something else make inflation come down post COVID.   Richard Vague  26:42   Inflation came down, and it came all the way down in July of 2022. It didn't come down gradually over six, 912, 18 months. You go look at the length monthly inflation. Inflation came all the way down in July of 2022, and stay has stayed down all the intervening period until very recently with the Iran War. July of 2022 was before there was a dramatic increase in interest rates.   Keith Weinhold  27:18   Right,   Speaker 1  27:19   that's simple.   Keith Weinhold  27:21   What caused inflation to come down? Then is it because supply began to arrive on the market again?   Richard Vague  27:27   People went back to work, started building things again.   Keith Weinhold  27:30   Producing.   Richard Vague  27:32   And the problem was folks had not been able to go to the factories and make things, and so we had a you know global supply deficit. Well, the nice thing about that is that you know money incends people to scramble back to work, make things again, and you know once they start doing that, and the Fed actually produces something they call the Global Supply Chain Pressure Index. You can get it on the Fed site. If you look at it, it's supposed to be kind of at zero, and anytime supply chains are disrupted, it shoots up. And any you know, any time the opposite happens, you know there's overcapacity. It goes down, and you can see exactly when supply chains repair is happening. So go look at the. It's called the GSCPI. It's on the Fed side. You'll see that global supply chains had largely started to be dramatically repaired in the spring and summer of 2022, and naturally, supply and demand works. All of a sudden, supply starts showing up, and prices go to hell.   Keith Weinhold  28:39   We're talking with economic futurist author and Pennsylvania's governor-appointed former secretary of banking and securities Richard Vague, more when we come back on the affliction of inflation, what this means for real estate investors, and more. This is Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  29:29   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866. That's family to 66866.    Dolph Derues  30:31   This is the king of commercial real estate, Dolph Derues. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  30:45   Welcome back to Get Rich Education. We're talking with Richard Vague. Richard is the founder and president of so many organizations today. He's the author of several popular economic books. He chairs the board of the Public School employees retirement system. That's the largest public pension fund in Pennsylvania. He's in a lot of places at once, seemingly. Richard, we're talking about inflation before the break. What is the right inflation rate?   Richard Vague  31:16   Well, like I said, inflation. If you look at the entire 250-year span of the United States has it been an affliction that has affected us that often? It is political kryptonite. So when it does happen, it steers our consciousness, and it you know certainly affects your industry. But you know, if we look historically, the Fed targets 2% It's not a bad thing to target. We never really have achieved that level for any length of period. I think if you look at it over the past several decades and take out the high inflation periods, it probably has averaged closer to three. So I don't think two to 3% is an inappropriate level, and I kind of suspect it'll be a level that typifies our future once we get past, if and when we get past this more.   Keith Weinhold  32:09   Yes, not long ago, I was looking at the history of the CPI or the CPI's equivalent, and over the last 100 years, the rate is about 3.2% and we haven't hit that government-mandated 2% target, which is stated right on the Fed's website. We haven't hit that for any month in about five years now, and this asset inflation, as we know, this disproportionately enriches existing asset owners, and it widens this inequality. Something that's more recently been known as the K-shaped economy, can you talk to us some more about this exacerbating wealth inequality?   Richard Vague  32:48   Well, you hit the nail on the head. Something on the order of 80% of all the net wealth held by Americans is in the form of two things: stock and real estate. If you want to talk about wealth, it's those two things, and those two things, probably 60 or 70% of all of those in the U.S. are held by the top 10% I think it's a single-digit number of those that are held by the bottom 50% So you know, if inflation and debt growth push asset prices up over time. It is a mathematical inevitability that the rich get richer faster than those in the middle and at the bottom, and that simply means inequality will increase through time. I believe that's structural. Unless you address that in very some very specific way it will continue.   Keith Weinhold  33:43   Inflation affects real estate investors more than it does the average person because we borrow these big pools of money often at 75 to 80% loan to value, and in a sense, although we know it's bad for general society, and we do think about the K-shaped economy. Of course, inflation benefits us because it debases our debt. But even if you're not a real estate investor, even if you just own your own home, you know, Richard, I really think it begs the question: Is a 30-year fixed-rate mortgage one of the best forms of debt ever created for ordinary Americans?   Richard Vague  34:22   The 30-year mortgage, which was created, you know, that started on that path in the 1930 s for the very reasons we all know and love, which is getting Americans to own their own home, and has been, you know, a game changer for the country, and truly one of the great things that's been done, and I hope it's something that we continue to defend and preserve.   Keith Weinhold  34:46   Well, that brings up leverage and the prudent use of leverage. As real estate investors, we have this benefit of getting all these 30-year fixed-rate loans without the threat of a. Margin call being made. We're not borrowing over in the stock market. When you sign your loan documents, it doesn't say that the bank can call your note due at any time, but one could take it too far. And when it comes to debt, I think that really begs the question: Where does intelligent leverage end, and then dangerous leverage begin. What's the border?   Richard Vague  35:25   Well, you guys are experts, and I'm not. But the very simple premise is starts with not overpaying for the property to begin with. It is not an exact science, but generally speaking, I think we can tell when prices are relatively high in a given market and or a given year and relatively low, and you you'd always want to kind of be at least in the middle or somewhat on the low end before you acquire a property. So that's step number one, and then step number two is really just giving yourself a buffer, you know. We saw in the global financial crisis that real estate loans were being made in some cases at 100% of value. Yeah, and frankly, we saw at least some episodes within that folks borrowing over 100% of value, and certainly they were very happy when that happened. But we know there's zero margin for error when you do that, and perhaps even a negative margin for error when you do that. So I would think, you know, you guys know better than me, but you know, I hate to borrow it much more than like 90% of value, maybe 95% if it's a smaller asset and you have a government guarantee, and if you can do it at lower leverage, you know, 70 or 80% of value, that's not a bad thing to consider. I tend to think in the real estate world that you know I've seen many investors, particularly in the commercial space, buy things with lower leverage, 50 or 75% But then, as the asset proves itself, they work with their lender to increase the debt-to-value ratio, you know, and get more money at it over time as it becomes an increasingly proven asset. So they migrate their way from 75% to 95% over time. I think that's a logical path.   Keith Weinhold  37:20   That acronym Ninja Loans, which were popular from about 2000 to 2007, that acronym Ninja means no income, no job or assets, and you might still get a loan of 110% of the value of the property. It was profligately irresponsible. Well, Richard, in a moment, I want to ask if you have a resource that our audience can follow along with you if they would like to do so. But before I do that, do you have any last thing that you would like to talk about? Maybe something that I did not ask you, whether it has to do with the general economy or real estate or interest rates or inflations. Is there something else that we should know?   Richard Vague  38:00   What I would do is just endorse your podcast.   Keith Weinhold  38:04   Thanks.   Richard Vague  38:05   You're approaching this in a very intelligent way, and you're very empirical, and I think your listeners are doing themselves a service by continuing to follow what you do. That's a really reasonable, secure, and yet bold path towards creating wealth, then I think you're to be commended.   Keith Weinhold  38:27   Oh, I appreciate the endorsement. I'm always blown away at our following, but you have some resources worth following as well. Tell us about that.   Richard Vague  38:36   Well, we do. We have a weekly video ourselves that it's about a five-minute video, and you can go to our website, which is tycos.com. So t y c h o s.com, and you know we have data on the site. If you're a real geek, you could go in and you can look at our macroeconomic data. You know, but if you're not, you can sign up for the video, and we come out with what we hope is a short but relevant video once a week talking on some aspect of the economy, and you know we'd love to have folks join that if they're interested.   Keith Weinhold  39:10   Well, it's valuable. I suggest you, the listener, check that out. Richard oftentimes turns conventional economics on his head, just like he did with us today, talking about how if there's higher interest rates, that does not necessarily mean lower inflation. Richard, it's been valuable as always. It's been great having you back on the show.   Richard Vague  39:30   It's an honor to be with you. Keep up the great work.   Keith Weinhold  39:38   In this remote interview, I got a beautiful look over Richard's shoulders there on the screen at Center City, Philadelphia, in the ornate buildings there. I will be in that part of the nation again shortly. Big thanks to Richard Vague. If you're looking him up, it is spelled V-A-G-U-E. We've got a. A lot of terrific content coming up on the show over the next few weeks, including fresh takes on building your wealth that you've never heard before. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 3  40:18   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  40:46   The preceding program was brought to you by your home for wealth building. getricheducation.com  

Fearless Agent Coach & Founder Bob Loeffler shares his insights on Building Your Database the Fearless Agent Way and how it's making his Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Realtor training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

Send us Fan MailIn this “paid and productive” episode, Ernest dives deep into Trump's tariff war with Canada, why no Democrat wants to be Speaker of the House (except Hakeem Jeffries), about that interview with the Mayor of Media, big tech finally paying billions for cyber negligence, why nobody should be pitting the acting range of Denzel Washington against Will Smith, remembering Dolly Parton, and much more! Ernestly Speaking! is executively produced and hosted by Ernest Owens. Check him out at ernestowens.com and follow him @MrErnestOwens on Twitter & Instagram. 

Episode 305-BACK TO BASICS Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 9 Gun Lawyer — Episode 305 Transcript SUMMARY KEYWORDS Gun laws, New Jersey, Machine guns, Handguns, Rifles, Shotguns, Assault firearms, Legal exemptions, Carry permits, Firearm ID, Second Amendment, Defensive use, CDC data, Gun rights, Application errors SPEAKERS Evan Nappen, Speaker 2 Evan Nappen 00:18 I’m Evan Nappen, and welcome to Gun Lawyer. So, my cohort in crime, Teddy, will not be joining us on the show today because Teddy is a brand new daddy. That’s right, he’s a father of a beautiful baby girl, which of course makes me a grandfather. Oh my God, I can’t even believe I’m saying that. She is just cute as a button, and I’m not just saying that because it’s my granddaughter. She really is. Her name is Alianna, and we are all so excited and happy about this. I can’t even begin to tell you. But Teddy has got his hands full with his beautiful wife and his beautiful new daughter, so I will be flying solo today with you. Evan Nappen 01:17 at I want to talk about is something important for gun owners in New Jersey to know, and even outside New Jersey. And that is the basics of how New Jersey bans all guns, and then creates a legal system that essentially allows and permits possession by exemption. I think this is why the entire foundation of New Jersey gun laws can eventually be completely wiped out because it takes what is a constitutional right and just reverses how that right is supposed to work. But nonetheless, the law is something you need to understand in New Jersey. And for those who don’t live in New Jersey, you want to understand this so you don’t ever see this happen in your jurisdiction. Evan Nappen 02:18 he place to begin is under New Jersey law, under N.J.S. 2C:39-5 (Unlawful possession of weapons.). Now, the 39-5. gun laws in New Jersey are where you see basically every firearm banned. Then the exemptions get created in two ways that essentially permit limited possession. It’s really insane when you think that a constitutional right is treated in this way, but yet it is. So, let’s take a look, beginning with 39-5., 2C:39-5. Now, subsection a. is a ban on machine guns, and what it says there is that any person who knowingly has in his possession any machine gun or any instrument or device adaptable for use as a machine gun, without being licensed to do so pursuant to (2C:)58-5, is guilty of a crime of the second degree. So, the only way to possess a machine gun in New Jersey is if you have a 58-5. machine gun license, and the machine gun license historically has been an impossibility to obtain. Page – 2 – of 9 Evan Nappen 03:51 But interestingly, I think we’re going to see some serious challenges because the way New Jersey structured this law, the machine gun license required you first to get a carry permit. At the time, virtually no one could get a (New Jersey permit to) carry. Now, over 100,000 Jerseyans and non-residents do have carry permits, and the standard that you’re left with the machine gun license is quite bizarre of having to show somehow it’s in the public interest for you to have it. And that’s absolutely contrary to Bruen, but for now, the number one thing to keep in mind is the machine gun prohibition does not have any other exemptions within New Jersey law. Only this license is the exemption. And when I say no other exemption, I’m talking about for an otherwise law-abiding citizen to possess. There are exemptions for certain military, police, etc. There’s exemptions even for dealers, but we’re not focused on that. We’re focused on other normal, law-abiding, average citizens. So, forget about it for machine guns. Evan Nappen 05:02 But let’s move now to the b. section of 39-5. Now that’s one that applies to a hell of a lot of folks in New Jersey. The b. section of 39-5 is handguns. Listen to how New Jersey bans handguns. New Jersey’s law says: Handguns. Any person who knowingly has in his possession any handgun, including any antique handgun, without having first obtained a permit to carry the same as provided in (2C:)58-4., is guilty of a crime of the second degree. Let that sink in, folks. The only way you can lawfully possess a handgun, possess. We’re not even talking about carry. The only way to lawfully possess that handgun on the face of the statute that prohibits the possession of a handgun is if you have a (New Jersey) permit to carry a handgun. Evan Nappen 06:06 Now I know there are a lot of folks out there that don’t have permits to carry that simply acquired a handgun with a permit to purchase a handgun. So, how can this be? How can you lawfully possess that handgun if you don’t have a carry permit when the statute requires you to have a carry permit? And if you don’t have a carry permit, you’re guilty of unlawful possession of a handgun right on the face of the statute, which is an extraordinarily serious offense. Unlawful possession of a handgun in New Jersey is a second-degree crime. New Jersey doesn’t use the term felony. They use the term crime, but it’s the equivalent of a felony. You can think of it in that way. It carries up to 10 years in State Prison, and it has a minimum mandatory three and a half years under what is called the Graves Act. Where if you’re convicted of unlawful possession of a handgun after a trial, a judge has absolutely zero discretion and must impose at least three and a half years as a minimum component of your sentence with no ability to be paroled. You do every day of that three and a half years before you’re even eligible for parole. Evan Nappen 07:31 So, since you have to have a carry to possess it, what about everyone who doesn’t? Well, the answer to that lies in the exemptions, and we’ll get to the exemptions in a moment because we’re going to talk about exemptions. But right now, we’re just talking about the statute itself that mandates a (New Jersey) carry permit in order to legally possess a handgun. Under subsection c., is rifles and shotguns, and there it says: any person who knowingly has in his possession any rifle or shotgun without having first obtained a firearm purchaser ID card in accordance with (2C:)58-3, is guilty of a crime of the third degree. So, that makes it a third degree crime, up to five years in State Prison, if you have a shotgun or Page – 3 – of 9 rifle without a firearm ID card. The law goes further to say, unless otherwise permitted by law, any person who knowingly has in his possession any loaded rifle or shotgun is guilty of a crime in third degree. So, what about those that possess rifles or shotguns without a firearms ID card? Well, on the face of this statute, you’re looking at up to five years in State Prison. However, we’re going to discuss the exemptions, and the exemptions are critical in understanding how these possessory laws actually work. Even though the exemptions are technically a defense that you, as a law-abiding citizen, can be put to the proofs where you have to prove the defense. Evan Nappen 09:03 Then there’s subsection d. of 39-5. Subsection d. is “other weapons”, and that says: any person who knowingly has in his possession any other weapon under circumstances not manifestly appropriate for such lawful uses as it may have, is guilty of a crime of the fourth degree. So, that’s up to a year and a half in State Prison for any “other weapon”, anything that may be construed as a weapon, if it’s possessed under circumstances not manifestly appropriate for such lawful uses as it may have. Look at that vague, ridiculous language there. So, anything that can be construed to be a weapon, and then the circumstances not manifestly appropriate become subject for a jury trial. So that 12 people who aren’t smart enough to avoid jury duty get to decide whether those circumstances were manifestly appropriate or not. Isn’t that cute? And you need to further know that New Jersey case law, through Kelly and Montalvo, they found that the so-called circumstance is not manifestly appropriate for such lawful uses as it may have. In Kelly, the court specifically found that self-defense was not a manifestly appropriate lawful use. Imagine that! You cannot preemptively arm yourself with a weapon under Kelly. Self-defense doesn’t cut it. But then Kelly got modified with Montalvo. If it’s in your home, if it’s in your home and you have it for self-defense, then the court actually finally came to its senses, at least on that, and said, yeah, self-defense possession in your home is manifestly appropriate circumstances, but not outside the home. So, we still need a case that says outside the home, where you’re lawfully allowed to use self-defense, where you have a right to self-defense. That even outside the home, it’s a manifestly appropriate use for any other weapon. We’ll talk more about that one in the future. Okay, but there you go. Those are the prohibitions. Evan Nappen 11:32 Then, of course, we have the infamous subsection f., and that’s where assault firearms are banned. It says: any person who knowingly has in his possession an assault firearm is guilty of a crime of the second degree. Again, that draconian Graves Act, up to 10 years, minimum mandatory three and a half. Except if the assault firearm is licensed pursuant to (2C:)58-5. And by the way, that’s the same license as a machine gun license, which virtually no one could ever get. Or rendered inoperable, and that render inoperable period went from May of ’90 to May of ’91. And you had to do a rendered inoperable form. If you didn’t do it then, you’re out of the box. You couldn’t do it. Or if it was registered. Again, that registration period expired back in ’90. It may have ’90 to ’91 as well. So, assault firearms became prohibited with no way of making them lawful after May of ’91, unless you could somehow get an assault firearm license, which was a de facto impossibility, a de facto ban. Evan Nappen 12:52 In fact, as determined in the federal court decision Coalition versus Florio that I brought, it was determined that it was a de facto ban. So, that license is known, you know, essentially it was viewed as Page – 4 – of 9 fake in so many words. You know, yeah, good luck. Like it was just structured to be an impossibility and even recognized as such by essentially by the court. So, if you had an assault firearm, there was nothing that could be done there. Exemptions that we’re going to discuss next do not apply to assault firearms. he exemptions only apply to B, C, and D. So remember, B. is the ban on handguns unless you have a (New Jersey) carry permit. C. is a ban on rifles and shotguns unless you have a firearms ID card, and D. is a ban on “other weapons” without manifest lawful purpose. Evan Nappen 13:52 However, what the statute in 39-5 does not reference, but you need to know, is that under N.J.S. 2C:39-6, you will find an entire host of exemptions. There’s exemptions for law enforcement, military, all kinds, tons of exemptions. But the exemptions that have the most bearing to the average, law-abiding citizen, they’re found in subsection e. and subsection f. of the exemptions. Let me read you what these exemptions say. The exemptions say that nothing in subsection b., c., and d. of 39-5, so that is handguns, rifles and shotguns, and other weapons under the 39-5 ban, shall be construed to prevent a person keeping or carrying about the person’s place of business, residence, premises or other land owned or possessed by the person, any firearm, or from carrying the same, in the manner specified in subsection g., which is unloaded and in a case or in the trunk, or in a securely wrapped package, from any place of purchase to the person’s residence or place of business, between the person’s dwelling and place of business, between one place of business or residence and another when moving, or between the person’s dwelling or place of business and place where the firearms are repaired, for the purpose of repair. For the purposes of this section, a place of business shall be deemed to be a fixed location. Evan Nappen 15:42 So, subsection e. of 39-6 exempts law-abiding citizens in New Jersey for possession of handguns, rifles and shotguns, and other weapons in their home, and you do not need a (New Jersey) carry permit. You do not need a firearms ID card. You do not need to have manifest lawful purpose, so-called. As long as you are simply possessing in your home, you are exempted from those requirements under 39-5. It is a law that allows possession by exemption unless one has licenses, and if you have licenses, then you’re exempt under the face of the statute. And if you have a license and you’re within exemption, you have double protection, essentially. And the exemption under subsection e. applies to home. It applies to place of business. Now that means a business you actually own. It’s not just the place you work. It’s got to be your place of business that you own. The courts have narrowly interpreted it to mean that. Not even a place you just manage. You’ve got to be an owner. It’s got to be your business. But if it is, then you have exemption there. You’re exempted for moving between your residences while moving, etc. That’s the exemption under subsection e. Evan Nappen 17:22 Then there’s an exemption under subsection f., and f. again exempts b., c., and d. of 39-5; handguns, rifles and shotguns, and other weapons under 39-5. ere the exemptions say that those prohibitions shall not apply to any member of a rifle or pistol club organized in accordance with the rules prescribed by the National Board for Promotion of Rifle Practice, in going to or from a place of target practice, carrying firearms necessary for target practice, provided the club has filed a copy of its charter with the superintendent and annually submits its list of members to the superintendent, and provided further that Page – 5 – of 9 the firearms are carried in a manner specified in subsection g., which is, of course, cased and unloaded. Evan Nappen 18:08 Here’s another exemption under f. under subsection (2). A person carrying a firearm or knife in the woods or fields, or upon the waters of the state for the purpose of hunting, target practice, or fishing, provided that the firearm is or knife is legal and appropriate for hunting and fishing purposes in the state, and the person has in the person’s possession a valid hunting license, or with respect to freshwater fishing, a valid fishing license. Number three, a person transporting any firearm or knife while traveling directly to or from place for purpose of hunting, fishing, provided you have a valid license, or directly to or from the target range, or other authorized place, for the purpose of practice match target trap skeet shooting expeditions. Provided during that whole time you’re transporting, you’re transporting pursuant to subsection g. Evan Nappen 19:18 So, the takeaway here is how New Jersey bans essentially all guns, and how the matrix is set up so that there are exemptions. Exemptions that we’ve just talked about. But keep in mind that the exemptions are a defense. The burden becomes on the defendant to have to prove that you’re within those exemptions. Otherwise you see bans. Bans that have only exemptions by way of licensing, unless you fall within those specific statutory exemptions. I think that structure is frankly disgusting as to how a constitutional right is and has been treated by New Jersey. But because of that structure, I also believe that we have a fantastic opportunity now as we see the empowerment of the Second Amendment to finally take out and take down the very foundation of New Jersey’s oppressive gun laws. Evan Nappen 20:36 By the way, I want to give you just a little heads up about a threat that is apparently lurking. This is weird and odd. I can’t hammer it down any more than what I’m going to tell you right now. But the news aggregate source called the Daily Caller, some of you may be aware of it, had an article that says “Anti-2A Group Plots New Gun Ban in New Jersey”. (https://dailycaller.com/2026/08/26/anti-2a-group-plots-new-gun-ban-in-blue-state/) This is August 26, 2026, by Harold Hutchison, who is a Second Amendment reporter that says the gun-control organization March for Our Lives, that’s the group headed up by that A one a hole of David Hogg. His group sent out an email fundraiser announcing plans to pass a weapons ban in New Jersey. And reading this is just bizarro. Remember Hogg has made his entire life and career over being a perpetual victim from the Parkland atrocity, and he’s an insane Left wing activist. By the way, if you’ve ever seen the stuff that he puts out. But anyway, this group uses this term “weapons of war”, “weapons of war”, and says, “The proposed weapons ban in New Jersey is a vital step toward getting weapons off our streets and protecting our neighborhoods from preventable tragedy.” This is a fundraiser being done by this group. Evan Nappen 22:49 When you look at the actual screenshot here from March for Our Lives, here’s what this screenshot says. From March for Our Lives. “We’re bumping this to the top of your inbox because we have a genuine, high-impact opportunity to push real gun safety forward — and we can’t afford to miss it. Right now, New Jersey lawmakers have a chance to pass critical legislation banning weapons of war from Page – 6 – of 9 our communities. When our generation first marched in 2018, people told us we were just angry kids who didn’t understand how politics worked. But together, we’ve proved that hope isn’t just a feeling — it’s an action.” And then it goes on to say, “From helping establish first-ever White House Office of Gun Violence Prevention to passing landmark federal legislation, we’ve seen what happens when young people organize and demand a better future. Passing this weapons ban in New Jersey isn’t just about one state — it sets a benchmark for the entire nation and proves that progress is unstoppable when we stand together.” Then it all says, “Will you take 10 seconds to add your name and show support for the NJ weapons ban today?” Evan Nappen 24:19 Okay. I’ve got to tell you, folks. I have no clue what the hell they’re talking about. First of all, New Jersey already has the most egregious assault firearm ban on the books and that has just taken a death punch by the Third Circuit Court of Appeals en banc with the magnificent decision wiping it out under the Second Amendment with both mags and guns. Now, granted, it is stayed at the moment because the Supreme Court has also taken up this issue. But what the hell are they talking about? New Jersey’s law is on its deathbed. It’s on life support, barely. Soon to die, and they’re talking about legislators in New Jersey promoting some weapons ban that they’re fundraising on. This is either complete fraud, which who knows with those people, or absolute mistake that they’ve confused states, I guess. Or maybe, just maybe, something else is cooking up in the New Jersey legislature. Maybe they’re tipped off to it, and I can’t find it anywhere. Maybe they’re going to try doing a kicking and screaming routine, just like they did after Bruen permitted carry and made it so New Jersey had to issue carry permits. And maybe now we’re going to see some evil plan after New Jersey’s assault firearm law bites the dust. So, this is maybe a load of B.S. nonsense. But then again, maybe it’s something out there, and we should be ready. hey may be trying to pull another Carry Killeresque maneuver on us. I don’t know, but stay tuned. As soon as we hear about anything that we can pin down, we’ll be sure in letting you know about it on the show. Evan Nappen 26:36 Hey, I want to tell you about our good friends at WeShoot. WeShoot is an indoor range in Lakewood, New Jersey. It’s the range where Teddy and I shoot, and where we train. You’ll love it at WeShoot. It is the greatest range in New Jersey. We just can’t get enough of WeShoot. I know you will really appreciate having a tremendous resource right there in Lakewood, where you can get your training, get your certificates, practice, have state-of-the-art range facilities, a great pro shop, awesome deals on guns and gear. As a matter of fact, they are offering, as we speak, the Canik Mete MC9LS, which is the 2026 Signature Series called “Drip”. It’s pretty cool. You’ve got to see the graphics on the Drip. They also have a Mossberg Silver Reserve Field. Now this is Mossberg’s over and under, very cool, and it’s a great way to get into an over and under shotgun. They also have Precision Firearms, PF15F. That’s your AR-type platform right there at WeShoot. You can go there, check out these guns and so many others. They’re also running their great programs. They have their range safety officers. They’re there with amazing skilled trainers. I’ve got to tell you, folks, make sure you check out WeShoot. You can find them online at weshootusa.com. weshootusa.com. And I know you’re gonna love their website. They’ve got beautiful photography. They really do take extra pride in what they post and how they make their website. You need to check it out and see what I’m what I’m talking about. And their instructors are just fantastic. I have always admired just the unbelievably great professionalism, courtesy, just the way they Page – 7 – of 9 treat their customers. You will be treated like gold at WeShoot. WeShoot is the best. o to WeShootUSA.com. Evan Nappen 29:22 Hey, I also want to not only shamelessly plug my book, which is New Jersey Gun Law, the Bible of Jersey Gun Law. The indispensable guidebook to helping you navigate New Jersey’s insane matrix of gun laws. It’s all set up in a question and answer format. I also want folks to know that the DOJ has opened up the Federal Relief from Disabilities Program. I’ve been waiting 33 years to be able to do this again, and that is be able to get people’s gun rights restored. That have had federal firearm prohibitors. This will restore your federal gun rights, and it is great. We really owe it to the Trump administration for reopening this program that was killed in ’93 by Chuck Schumer. For 33 years, people have been unable to regain their Second Amendment rights under federal law, if they had prohibitors. o, if you or anyone you know might be eligible, go to my website, go to EvanNappen.com. You can buy my book there. You can also read about the federal relief from disabilities. This is very hot, big stuff going on because the online portal is going to open shortly, and you want to be ready. You want to have counsel, and there’s a lot that has to get done so that we can get you in. They’re talking about probably a million people needing to get their rights restored, and it’s going to be quite a logjam. So, the sooner you’re in, the sooner you can get your rights back. I’d highly, highly recommend taking action and checking it out. Go to evannappen.com, and I’ll be happy to speak to you about your specific situation and if it’s applicable for you. Evan Nappen 31:40 Hey, I have some good news, and the good news is that the CDC, you know, the CDC, who’s currently headed by Robert Kennedy, and CDC that is now under the Trump administration. Well, guess what they did, folks? They restored defensive gun use data after Biden scrubbed it and covered it up because they didn’t want that really great important information being out there about how many lives guns save, so the corrupt Biden administration just said we’re not going to talk about it. We’re going to wipe it out. We’re not going to put that out there anymore. We’re only going to talk about guns are bad, and not ever talk about why guns are good. Well, it’s a new day. It’s a new administration, and that information has now been put back. I’m talking about an article here from Ammo and. (https://www.ammoland.com/2026/08/cdc-restores-defensive-gun-use-data/?utm_source=Ammoland+Subscribers&utm_campaign=b4aea4936c-RSS_EMAIL_CAMPAIGN&utm_medium=email&utm_term=0_6f6fac3eaa-b4aea4936c-21268623) Evan Nappen 32:56 We love AmmoLand, and this article is by John Crump, who is also one of my favorite authors at AmmoLand. John says that under the Biden administration they had removed the data, and the studies have shown that guns were used in self-defense between 60,000 times and 2.5 million times each year. Think about that, folks. 60,000 to 2.5 million times each year, guns are used in self-defense. So, even at the low range, that dwarfs the number of guns used in murders, which is approximately 15,000. Okay, dwarfs it at the lowest numbers. It approaches or exceeds the total number of gun deaths per year, which is around 40,000, according to Pew. The wide range of estimates is because of different methodologies used. So, the lower figure is drawn on the National Crime Victimization Survey, while the higher figures primarily stem from surveys conducted by criminologist Gary Kleck in the 1990s. Page – 8 – of 9 Evan Nappen 34:41 Now, a National Academies of Sciences report commissioned by the CDC itself in 2013, this is a CDC commission study. Referenced this range of 60,000 to 2.5 million defensive gun uses annually. But in 2022, with pressure from anti-gun groups such as the Gun Violence Archive, the Newtown Action Alliance, and GVPedia, in a private meeting, the CDC scrubbed the website of defensive gun use information. Through a Freedom of Information Act, they revealed that the removal was purely political, folks, and this is all according to emails that Senator Grassley obtained. One of these things here argued, and this is quoting from that email in the article by Mr. Crump, and it says. Get a load of this. This is from the antis here. “That 2.5 million number needs to be killed, buried, dug up, killed again, and buried again.” Mark Bryant, executive director of Gun Violence Archives, wrote to the CDC in one of his emails. See that? They don’t like it, man, when you’re showing that guns save lives. We can’t have truth out there. We can’t have the actual information about how people don’t want to be victims but would prefer to be defenders and live. Right? That’s Biden’s administration for you. That’s the corrupt, evil Biden administration for you, removing that information. Trump and his administration have put that data back public so you can see it and you can read it. Keep in mind that’s the CDC removing specific numeral range and the link from their own research, folks. But now, under Trump and Secretary Kennedy, the CDC is returning the statistics to its firearm injury and death page. The restored language again makes it clear, points it out that defensive gun use varies by studies, and it ranges from 60,000 to 2.5 million per year. That is awesome, and that information belongs out there. Evan Nappen 37:43 Hey, let me tell you about this week’s GOFU. GOFUs, as you know, are Gun Owner Fuck Ups. It’s where gun owners make expensive mistakes, real mistakes that I hear about and try to help them. But it’s a chance where you can avoid them for free, and this week’s GOFU has to do with references on your gun application. When you need references, please clear your references in advance. Make sure your references know you’re going to use them as a reference. I’ll tell you, we may have mentioned this before in the past, but it can’t hurt to mention it again. They’re going to get an email requesting to know how long they’ve known you and whether they have any issues with you owning guns. I get cases where people don’t bother to clear it, don’t realize the person is anti-gun and doesn’t think anyone should have a gun, or has some problem being a reference. You don’t want to have that problem. Evan Nappen 38:48 Yet recently, I’ve heard of even a worse problem, and this one is just mind-boggling. I’m still going to put it out there as a GOFU for folks because don’t ever do this. Don’t make up false references. Yeah, I’m not kidding. Do not fill out a gun application with fake references. I can’t believe I even have to say this. But do not fill out a gun application and make up phony references because your phony references are going to be contacted, and that’s called falsification of the application. It’s a crime to do that. Third degree. You’re looking at five years in State Prison. Plus, it’s really stupid, and you’ll get denied your gun license. I mean, okay, do you have to write that one down? Not to put fake references on your application? I hope not, but it’s a GOFU. Make sure you’re good about your references and clear them in advance. Only put real ones down, folks. Page – 9 – of 9 Evan Nappen 39:54 This is Evan Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 40:05 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E305_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

Cory Dunham is an Executive Advisor, Business Growth Strategist, Speaker, and founder of Cory Dunham Advisory. He also serves as CEO of BDB Marketing Design, LLC.With more than 30 years of business and marketing experience, Cory helps service-based businesses grow through clearer messaging, stronger leadership alignment, and greater strategic consistency. His work focuses on closing the gap between the value a company delivers and how that value is seen, understood, trusted, and chosen in the marketplace.Cory brings a practical, people-centered approach to helping leaders strengthen communication, clarify positioning, align their teams, and create sustainable growth.SHOW SUMMARYIn this episode of Selling from the Heart, Larry Levine and Darrell Amy welcome Cory Dunham to explore why clarity, differentiation, and human connection are becoming increasingly important competitive advantages.Cory explains that differentiation isn't simply about having a better product or service. Sales professionals must clearly communicate meaningful value while leaning into what technology cannot replicate—their stories, experiences, lessons, relationships, and human presence.Drawing from his experience as a private pilot, Cory shares lessons about self-awareness, situational awareness, and making the next best decision when circumstances become overwhelming. The conversation also explores how sales professionals can use AI, video, podcasts, and social media to become more human and visible—not less.Ultimately, Cory challenges salespeople to stop adding to the noise and get clear about who they serve, what customers value, and why they deserve a place at the table.KEY TAKEAWAYSClarity is a competitive advantage. Know who you serve, what they value, and how you create meaningful results.Your humanity is your differentiation. AI cannot replicate your experiences, stories, relationships, or perspective. Ask instead of assuming. Better questions and intentional listening reveal what truly matters to buyers. Use technology to humanize yourself. Let digital tools increase your visibility without replacing genuine connection. AI cannot fix confusion. Technology won't solve unclear messaging, positioning, leadership, or strategy. Make the next best decision. You don't always need every answer—you need enough awareness to determine the next right move. Meaningful value earns attention. Clearly articulating your value helps build trust and earn a place at the table. HIGHLIGHT QUOTESIn any given moment, you have the capacity to make the next best step.Two ears, one mouth. Let's use them in that proportion.No one has the exact story or has walked in your shoes one step.I think we're just all built as human beings to connect with other human beings.Clarity, clarity, and more clarity, both personally and professionally.ADDITIONAL RESOURCESExplore the secrets of heart-centered leadership and thriving workplace cultures with Culture from the Heart Podcast! Nominate a visionary CEO at https://culturefromtheheart.com/HomeGet Larry's New Book: Selling Food from the Heart, https://a.co/d/07dzlMx8Subscribe to The Selling from the Heart Podcast Youtube Channel! Stay updated with the latest episodes and leadership tips: https://www.youtube.com/c/sellingfromtheheart/Get Your Daily Dose of Inspiration:https://www.sellingfromtheheart.net/daily

The band is back together again this week as John Yoo ends his truancy, and we take up the fresh legal and constitutional disputes of the moment, starting with the Supreme Court's recent rulings about mail-in ballots the the Trump Administration's efforts to enlist the Postal Service on behalf of election integrity. From there we move on to the novel proposal to bring back prize courts and authorize old fashioned "privateers" to capture Iranian shipping on the high seas and profit from their cargoes—something United States hasn't done since around the time of Andrew Jackson (Trump's favorite president, perhaps not coincidentally.). Then, on to the emerging controversy over Flock cameras, and whether we can trust the government not to abuse them or use them to spy on and harass us. This week's cameo appearance is from our favorite classist Alex Priou, who joins us to discuss his terrifically cheeky recenbt essay, "How to Be an Elitist." And our listener question this week is: why does the president get to select the Chief Justice of the Supreme Court. Shouldn't that be up to the members of the Court? The president doesn't get to appoint the Speaker of the House, after all, and the language on this matter in the Constitution is incomplete or ambiguous. Hmmm.

Look Forward breaks down Trump escalating his trade war with Canada by signing an executive order renaming Lake Ontario to "Lake America;" a genuinely bizarre 400 year old naming dispute born entirely out of tariff spite. Meanwhile, Trump's beef import plan is already causing real problems: 30,000 pounds of Argentine beef just got recalled in Texas and Florida, raising real questions about the plan's quality controls even as ranchers and consumers alike push back.Hakeem Jeffries met privately with Jared Kushner weeks before midterms that could make him Speaker of the House, a decision that's drawing serious criticism from the leftwing of the Democratic Party. SCOTUS handed Trump a technically favorable but ultimately inconsequential ruling on mail voting. A Republican midterm convention is shaping up to be an expensive, tone deaf disaster, with House members reportedly paying up to $100,000 to attend.In corruption news: the State Department is trying to sell a Kehinde Wiley painting because it's "too woke," the Trump administration is threatening to demolish The Kennedy Center if it doesn't get its way on renaming it, and Trump's own crypto ventures have left other investors nearly $5 billion underwater while he personally profits. We cover all of it; the pettiness, the corruption, and the genuinely bizarre.Look Forward is a weekly progressive political podcast covering U.S. politics, government policy, Democratic strategy, elections, voting rights, Supreme Court rulings, and political news. Featuring progressive commentary, political analysis, and unapologetic opinions on the fight for democracy. Hosted by Jay and Brad. A TNP Studios production. New episodes weekly on Spotify, Apple Podcasts, YouTube, and all major platforms. For more TNP Studios content, check out The Nerdpocalypse (movie & TV news), Black on Black Cinema (Black film reviews), and Dense Pixels (video game news).

Today's Masked Speaker grew up in a family that owns an auto-body shop, and she found a sneaky way to GET EVEN with any rude customers. She'd never overcharge them... her revenge was much more PETTY.See omnystudio.com/listener for privacy information.

Texas has long been the Democrat's white whale. And this year it's also the Republican's bulwark. President Trump will visit the Lone Star State today to help the keep a Senate seat red. And House Speaker Mike Johnson is visiting four districts central to the GOP holding onto the House.    Learn more about your ad choices. Visit podcastchoices.com/adchoices

Paul Ryan's Big Idea to Revamp American Welfare The former Speaker of the House joins Potomac Watch to discuss new state experiments to help more Americans move off of food stamps and Medicaid. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Bowhunter Chronicles Podcast - Episode 416: What Gear to Prep Now - Nate Sellers - Average Jack Archery The difference between a smooth opener and a last-minute bow-shop panic? A few simple prep moves you can do now. Nate Sellers breaks down the easiest ways to keep your setup ready, your arrows flying, and your season from getting derailed when everyone else is scrambling in September.If you have a bow that's been sitting in the case since spring, this conversation is the wake-up call you need. Nate and the Bowhunter Chronicles crew get practical about what actually breaks, what does not, and how to avoid the expensive, time-consuming fixes that show up right when you need your gear most.You'll discover: Why fletching your own arrows can save real money and eliminate shop backup delays The simple arrow setup that keeps repairs accessible without overcomplicating the process Why hot melt is still Nate's go-to for inserts, and when a stronger epoxy makes sense The string and cable warning signs that matter most, including fuzzing, serving wear, and peep twist Why buying a backup string set before season can save your entire hunt How factory strings stack up against aftermarket options on new bows What actually makes a broadhead choice reliable in the field, not just on paper Purchase Yellowstone trail cameras from anywhere at MSRP pricing. https://yellowstone.ai/products/y2-camera?Title=Default+Title Create your account under the Yellowstone Command Center app and add a credit card, (it won't be charged) Before activating your data plan, you must fill out the referral form so the Yellowstone team can apply your free data credit. https://yellowstone.ai/friend USE CODE: BHC for the discount Download the Yellowstone Command Center app and activate your data plans before September 1, 2026. Enjoy FREE Annual Unlimited data for up to 4 cameras — a $129 value per camera! *You can purchase an unlimited amount of cameras, but free annual unlimited data can apply to a maximum of 4 cameras. *Yellowstone requires a credit card to be added to your Command Center app account before activating your free data plan(s). You won't be charged for an entire year. After a year, the card on file will be charged based on whether you have active plans at that time. Nate also explains why so many archers overthink arrow building, why some “bougie” setups become a disaster when something goes wrong, and how to keep your bow setup simple enough to fix anywhere. If you hunt hard, travel for elk or whitetails, or just want to stop paying for every tiny fix at the shop, this episode is loaded with practical advice you can use immediately.Plus, the guys get into what's new from Huntworth, including the quiet, windproof, waterproof Silent X line, the Marquette hoodie, the Elkins vest, and why the right layering system can make or break a cold-weather hunt.Essential listening if you want more time in the woods, less time in the shop, and a setup that actually holds up when the season gets real.Speaker coverage: Bowhunter Chronicles Podcast and Nate Sellers, owner/operator of Average Jack Archery, who brings the practical shop-side expertise and the no-nonsense hunting perspective.https://huntworthgear.com/ https://www.yellowstone.ai/  - CHRONICLES for 15% off https://www.paintedarrow.com - BHC15 for 15% off https://www.spartanforge.ai (https://www.spartanforge.ai/)  - save 25% with code bowhunter   https://www.latitudeoutdoors.com (https://www.latitudeoutdoors.com/) s https://www.zingerfletches.com (https://www.zingerfletches.com/) https://www.bigshottargets.com (https://www.bigshottargets.com/)   https://genesis3dprinting.com (https://genesis3dprinting.com/) https://vitalizeseed.com (https://vitalizeseed.com/) http://bit.ly/BHCPatreon Learn more about your ad choices. Visit megaphone.fm/adchoices

Latest installment of the Battleground 2026 series of The Sean Spicer Show, Sean turns his attention to the House races that could decide control of Congress this November. Sean is joined by Henry Olsen of The Washington Post for a deep dive into the congressional map, the districts emerging as true battlegrounds, and the political trends shaping races across the country. Which seats are most vulnerable? Where are Republicans playing offense—and where are Democrats gaining ground? And what will ultimately determine which party holds the Speaker's gavel in 2027? ----------------------------- Head on over to https://www.seanspicer.com subscribe for an ad free version of this podcast and support the show! ----------------------------- Bedford Reinforced Plastics - https://www.bedfordreinforced.com/spicer ----------------------------- https://ruffgreens.com/⁠ enter code: SPICER for your FREE starter pack Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's Masked Speaker claims that one tent at your local farmer's market is actually a SCAM... and she's embarrassed to say her friend is running it...See omnystudio.com/listener for privacy information.

Howie Kurtz on House Democratic Leader Hakeem Jeffries meeting with Jared Kushner to discuss potential common ground, the online backlash from progressives and critics, and why a Substack essayist says President Trump's psychological draw leaves loyalists like Natalie Harp eager to reorganize their entire lives around him. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Many mature Christians experience seasons when Jesus feels distant—not through dramatic sin or faith crisis, but a slow, subtle drift into spiritual dryness. Today, Stephanie explores how to recognize, understand, and rekindle true delight in God when faith feels flat.As she has with every episode in our “Awaken Delight” series, Stephanie has invented a fictional character – who might feel eerily familiar! In today's episode, we're introduced to “Claire”—a faithful, seasoned believer admired by others, with a life marked by steady commitment to Christ, church, and family. Yet, despite external faithfulness, she privately mourns the loss of intimacy and vividness in her spiritual life. Claire's story demonstrates how even longstanding believers can slide into a functional, uninspired relationship with Jesus—doing all the “right things,” but missing the joy and depth once present.Our FREE gift to you today! An exclusive, in-depth 30-day FREE recovery plan to rekindle your delight in God when you are going through seasons of flavorless faith: go to https://www.gospelspice.com/awakendelightthepodcast and find the form for Episode 458. Give us your email, and you will receive the full plan in your inbox immediately!Key Symptoms of a “flavorless faith”:Bible reading and prayer become duty-bound, not joy-filled.Worship songs and sermons feel routine, not stirring.Service continues, but the heart feels unengaged and tired.Delight is more than an emotion—it's the warm, relational savoring of God Himself, not just His gifts or outcomes.Distinctions:Happiness: Circumstantial, fleetingContentment: Sufficient, sometimes passiveDelight: Active, relational enjoyment—the “flavor” and “fragrance” of life with GodDelight in God is like savoring real vanilla versus imitation—the fake might have the form, but lacks the richness and depth. When we lose delight, all becomes bland.Distance from Jesus is often gradual. Common causes include:Over-familiarity: The truths of gospel become like a painting you stop noticing.Busyness & Burnout: Life's cares crowd out time to “linger” with Jesus.Duty Replacing Delight: We obey and serve, but lose relational warmth.When delight cools, our spiritual life becomes transactional, our joy fades, and other things gain center stage in our hearts.Psalm 34:8 invites us to “taste and see that the Lord is good”—not just agree intellectually, but experience Him proportionally.Delight in God requires attention; it calls for slowing down, “beholding,” and returning to the gospel as if it's fresh.It's not manufactured by willpower, but reawakened by honesty and pursuit.Prayerfully confess where delight has dimmed and ask Jesus for renewed appetite.Ultimately, delight is about communion—living in God's presence, savoring Him as the ultimate gift.Our delight fuels resilience, combats burnout, and makes our faith not merely correct, but alive and fragrant to those around us.Practical Steps to Awaken DelightSlow Down & Linger: Don't skim Scripture or prayer; bring your full heart, even your boredom and disappointment.See God as Beautiful: Move beyond doctrine; gaze at Jesus' beauty, not just His utility.Cultivate Stillness: Create time to notice God's presence and gifts; fight cultural hurriedness.Receive, Don't Achieve: Delight is a relationship to receive by the Spirit, often through the ordinary or through suffering.Honest Prayer: Admit to God when delight feels absent; let Him rekindle it.If you, like Claire, feel distant from Jesus, don't despair. He hasn't moved; beauty can be rediscovered. Ask God to awaken your delight, to move you beyond belief into joy in His presence. Let your soul savor Him again.“Restore to me the joy of your salvation.” – Psalm 51:12MORE ABOUT THE BOOK “AWAKEN DELIGHT” BY STEPHANIE ROUSSELLE"Delight yourself in the Lord, and he will give you the desires of your heart."―Psalm 37:4What if you've lost your delight in God? Or you've never really experienced it in the first place? What if a season of suffering has snuffed out your joy, leaving you spiritually discouraged and emotionally numb?Delighting in God changes everything: how you experience your faith, relationships, and circumstances―and even how you see yourself.You can experience Psalm 37:4 as your daily reality. In Awaken Delight, Stephanie Rousselle connects scriptural and theological truth to your everyday life so you can experience what delighting in God really means. It's not about checking boxes on a spiritual to-do list or mustering a constant state of positive feelings. Rather, delight is about satisfying your soul's deepest longing through a vibrant relationship with the living God.What you will (re)discover as you journey with God through Awaken Delight:Delight in God is identity-shaping, not emotion-driven. Delight in God is not fleeting emotion but resilient identity.Delight in God is altogether trust, satisfaction in God, relational intimacy with Him.Delight in God is often expressed and grown through resilient joy under suffering.Delight in God is the missing engine behind resilience. It's the antidote to burnout. It's even the foundation for sustainable ministry.God's delight in you is secure, not performance-dependent. God's delight in you frees you from striving! That's the beginning of delight.Jesus is the center of every endeavor to delight in God.You can build a delight-centered spiritual life.Awaken Delight invites you to follow Scriptural truths and spiritual practices that cultivate daily joy in God.In Awaken Delight, Stephanie Rousselleshows how delighting in God is crucial for spiritual growth,provides spiritual habits that help you live in delight, andincludes discussion questions and Bible engagement great for book clubs or small groups.By looking to Christ as your model of divine delight, you can discover that no matter what you're experiencing―whether weariness, sorrow, hope, or happiness―you truly can "taste and see that the Lord is good." If you are longing for a revived faith filled with hope, delight, worth, and grace, Awaken Delight invites you to cultivate a worshipful, life-giving delight in God that's rooted in God's delight in you.Purchase here: https://a.co/d/0625K1AZ More details at https://www.gospelspice.com/awakendelightDISCOVER THE BOOK BEHIND THE PODCAST | "Awaken Delight" by Stephanie Rousselle"Delight yourself in the Lord, and he will give you the desires of your heart." Psalm 37:4 isn't a poetic suggestion — it's a promise. But many believers quietly assume it doesn't really work, or it's not really possible here on earth.In Awaken Delight, Stephanie Rousselle invites you to rediscover what Scripture actually means by delight — not emotional hype, not religious performance, but a steady satisfaction rooted in who God is.Delight in God isn't a mood to manufacture; it's a relationship to receive.Through biblical theology and practical rhythms, you'll learn how communion with God reshapes suffering, quiets restless striving, and anchors your identity in something unshakable.Delighting in God isn't sentimental optimism. It's deeply rooted in Christ, Jesus.It's the quiet revolution that reshapes how we endure pain, love others, and understand our own heart.Awaken Delight is a theologically grounded spiritual formation book for thoughtful believers who feel spiritually fatigued and are ready to embrace the reality of Psalm 37:4.More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JKind words from Jennifer Rothschild, Bible teacher, Author, Speaker, Podcast Host, Founder, Fresh Grounded Faith: “Stephanie helps us awaken to and experience true delight. It is a rich mix of God's delight in you and your delight in him. This is the life you were made for, the life your soul deeply longs for. So, the table is set. Pull up a chair and let your heart sit alongside Stephanie. As your delight in God wakes up and becomes fully realized, you'll find a satisfaction in Christ that makes you want more and more.”Kind words from Amanda Jenkins, Lead creator of THE CHOSEN's literary content: "I have yet to meet another person quite as eager to intimately know Jesus as Stephanie is. Her enthusiasm for the beauty found inside a thriving relationship with her Savior is downright contagious. Indeed, Stephanie's joy and faith and commitment to growth—along with her love for really good food!—will implant themselves in the hearts of readers. Lucky readers."Kind words from Os Guinness, Theologian, Social critic, Author, The Call:  "Stephanie addresses one of the greatest needs of Christians today. Knowing God is not knowing about God, but knowing Him genuinely and with desire and delight. She does so practically and helpfully, and in a style that sparkles with a verve and joy that is distinctively French."Kind words from Pippa Gumbel, Pioneer, The Alpha Course; Author, The Bible in one year with husband Nicky: "Stephanie's love of God is inspiring and infectious. Her book is an invitation to share in that delight and to come to know God in new and wonderful ways."More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JSupport us on Gospel Spice, PayPal and Venmo!

A near-death experience at just three-and-a-half years old changed the course of Lori Tierney's life forever.What happened in those few extraordinary moments opened Lori to a spiritual connection that would follow her throughout her life, and ultimately become the foundation for the work she does today.Lori is an intuitive visionary artist, energy healer and soul guide—and a dear friend of Seeking Center. She's spent decades helping people reconnect with their own intuition, understand the guidance around them and deepen their connection to Spirit.And at the heart of Lori's journey is a profound relationship with Mother Mary that began during that childhood near-death experience and reawakened years later in ways Lori never could have predicted.In this conversation, we get into the BIG questions: What happens when we leave our bodies? Who or what may be there to help us? How do we know when Spirit is trying to get our attention? And how can we become more open to the guidance that may already be all around us?WE COVER:The near-death experience that changed the trajectory of Lori's lifeHer extraordinary connection with Mother Mary and why Lori says it goes far beyond religionWhat Lori believes happens when we leave our physical bodiesHow to tell the difference between your own thoughts and guidance from SpiritThe signs, synchronicities + dreams you may want to start paying closer attention toWhy Lori believes we all have access to divine guidance—and how to ask for helpThe unexpected way her Soul Guided Messages beganThe meaning of ascended masters and how Lori experiences their presenceWhy Sedona has played such a powerful role in Lori's spiritual journeyA Reading for You - Messages from Mother Mary, Isis, Lakshmi + Archangel Michael that Lori says we need to hear right nowThis one may have you looking at your own experiences and the signs showing up around you a little differently.MORE FROM LORI TIERNEYDAUGHTERS OF HEAVEN CONFERENCELori will be speaking at the Daughters of Heaven Conference, September 25–26 in Sedona, Arizona. This gathering brings together speakers, healers and musicians around the Divine Mother, Christ consciousness, service and spiritual connection.Can't make it to Sedona? The conference will also be livestreamed, so you can experience it from wherever you are.Find out more + get tickets at daughtersofheaven.com.CONNECT + WORK WITH LORILearn more about Lori and her work, including private sessions and readings: loritierney.orgExplore Lori's art + Soul Guided Messages: soulguidemessages.comReach Lori directly: loritierney108@gmail.com Visit seekingcentercommunity.com for more with Robyn + Karen and many of the guides on Seeking Center: The Podcast. You'll get access to live weekly sessions, intuitive guidance, daily inspiration, and a space to share your journey with like-minded people who just get it. You can also follow Seeking Center on Instagram @theseekingcenter.

The Pleasure Zone with Milica Jelenic - Diamond Host Whether you are craving a person that is unavailable or an experience that is unavailable, what is it about the unavailable that has it be so much more interesting? People often have a craving for the unavailable and it can be for many different reasons. In this episode we will explore: The neuroscience behind cravings Do people just like having a craving, or does it need to be fulfilled When can a craving become an obsession How to stop craving the unavailable Join Milica Jelenic, Sex & Intimacy Coach, Holistic Health Practitioner on this episode of The Pleasure Zone where we will discuss, "Craving The Unavailable". 5 Key Takeaways Craving the unavailable can feel safer than having a real relationship. Fantasy allows you to desire someone without facing the vulnerability, responsibility, and effort of actually being together. Inconsistent attention can intensify craving. Small moments of attention or affection can create powerful dopamine highs that keep you wanting the next interaction. Ask whether you're craving the person or the feeling they give you. You may actually be seeking the attention, validation, excitement, connection, or emotional high associated with them. Separate the fantasy from the reality. Ask whether you would genuinely want the relationship—with its incompatibilities, expectations, vulnerabilities, and everyday realities—if that person suddenly became available. Choose yourself first. Identify what you believe this person will give you and begin fulfilling those needs within yourself instead of making them responsible for filling the void. Grab your Yes, No, Maybe list - all about Playful Tips for Pleasure here    The Pleasure Zone – A Guide For Curioius Pleasure Seekers Inspired Choices Network Hosts Author Milica Jelenic   Amazon.com – https://www.amazon.com/dp/1997615401 Amazon.ca – https://www.amazon.ca/dp/1997615401     ~ More About The Pleasure Zone ~ Milica Jelenic is a Sex & Intimacy Coach, Speaker, and Pleasure Advocate who empowers individuals and couples to cultivate deeper intimacy, authentic connection, and greater vitality. Through her intuitive, playful, and compassionate approach, she helps clients release judgment, embrace their bodies, and discover how pleasure can become a powerful catalyst for healing, confidence, and a more fulfilling life. Known for creating a safe, engaging, and transformative space, Milica combines insight, curiosity, and practical guidance to inspire meaningful change. She invites people to explore new possibilities, reconnect with themselves, and experience the joy, ease, and aliveness that come from living with greater pleasure, presence, and self-acceptance.    MilicaJelenic.com   www.milicajelenic.com/    Email   milica.jelenic.mj@gmail.com    YouTube   www.youtube.com/@thepleasurezone    LinkedIn   www.linkedin.com/pub/milica-jelenic/37/349/772    Instagram   www.instagram.com/thepleasurezoneradio/    Facebook   www.facebook.com/MilicaPZ       TikTok   www.tiktok.com/@milicajelenic1 The Pleasure Zone with Milica Jelenic: https://www.inspiredchoicesnetwork.com/podcast/the-pleasure-zone-milica-jelenic/

Today's poem is Portrait of the Speaker Riding a Greyhound Bus by Eduardo Martinez-Leyva. The Slowdown is your daily poetry ritual. In this episode, guest host Myka Kielbon writes… “In the seemingly endless spring of 2020, my roommate and I briefly decamped Los Angeles and holed up with her family in Southern Oregon. The town was already quiet during the best of times; that spring, it was even quieter. We plugged away at our desk jobs that we'd taken with us. We knew we were lucky, but still the days felt very long. At the foot of the bed in the room where I slept was a framed photograph of a dinghy in a body of water. The water was still, and the colors were a bit washed out. It was so serene. And still, it was full of potential. The photograph lacked horizon — there was smooth water all the way to each matted edge. And the dinghy was empty, yet equipped with oars.” This show is supported by gifts from listeners. Support The Slowdown with a donation today. Slowdownshow.org/donate

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

Hakeem Jeffries met privately with Jared Kushner in recent weeks. Incredible. Kushner should be under oath in front of a congressional committee. The fact that Jeffries met with him confirms that Jeffries doesn't understand this moment and cannot meet this moment. And if he's the next Speaker, that's not a good thing for the Democratic Party or the country. Hosted on Acast. See acast.com/privacy for more information.

Hakeem Jeffries, who could soon be Speaker of the House, held a secret meeting with Jared Kushner just months before the midterms. I explain why this betrayal could cost the Democratic Party everything. Today's Merch: Freedom Is a Gifthttps://thewarningwithsteveschmidt.com/products/unisex-garment-dyed-heavyweight-t-shirt SUBSCRIBE for more and follow me here:Substack: https://steveschmidt.substack.com/subscribeStore: https://thewarningwithsteveschmidt.com/Bluesky: https://bsky.app/profile/thewarningses.bsky.socialFacebook: https://www.facebook.com/SteveSchmidtSES/TikTok: https://www.tiktok.com/@thewarningsesInstagram: https://www.instagram.com/thewarningses/X: https://x.com/SteveSchmidtSESSee omnystudio.com/listener for privacy information.

Fearless Agent Coach & Founder Bob Loeffler Helps a Brand New Coaching Student and shares insights on topics of Fearless Agent Coaching and how it's making his Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Realtor training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

If you're exhausted by creating a brand-new presentation every time you're invited to speak, I get it. You want the talk to fit the audience. But customizing your message is very different from reinventing it.In this episode, I'm joined by our coaches Diane Diaz and Erin Mark to talk about how we each use one foundational signature talk across different audiences, industries, and formats.Erin shares how she adapts her CALM framework for everything from a six-minute-and-40-second PechaKucha talk to a 60-minute keynote. Diane explains what to keep, what to change, and why your stories should be the last thing you cut when time is tight.In this episode, we talk about:Why customizing a signature talk is different from creating a new talk from scratchThe core elements that should stay consistent across speaking engagementsHow Erin adapts her CALM framework for different industries and talk lengthsHow Diane changes stories and audience engagement without losing her central messageWhy listing 10, 15, or 20 speaking topics can make you harder to remember and referHow our Brand Voice Canvas connects your mission, expertise, methodology, and experiencesWhat Erin did when she was assigned a topic outside her expertiseHow to expand a keynote into a workshop without turning it into a content dumpHow your signature talk can become podcast talking points, website copy, and months of LinkedIn contentAbout Us: The Speaking Your Brand podcast is hosted by Carol Cox. At Speaking Your Brand, we help women entrepreneurs and professionals clarify their brand message and story, create their signature talks, and develop their thought leadership platforms. Our mission is to get more women in positions of influence and power because it's through women's stories, voices, and visibility that we challenge the status quo and change existing systems. Check out our coaching programs at https://www.speakingyourbrand.com. Links:Show notes at https://www.speakingyourbrand.com/486/ Discover your Speaker Archetype by taking our free quiz at https://www.speakingyourbrand.com/quiz/Enroll in our Thought Leader Academy: https://www.speakingyourbrand.com/academy/ Learn about our Orlando speaking retreat: https://www.speakingyourbrand.com/live/ Connect on LinkedIn:Carol Cox = https://www.linkedin.com/in/carolcoxDiane Diaz = https://www.linkedin.com/in/dianediaz/ Erin Mark = https://www.linkedin.com/in/erinmark/ Related Podcast Episodes:Episode 288: A Framework for Creating a Signature Talk for Income and ImpactEpisode 462: Speaking Strategies That Create Lasting Impact: Live Signature Talks from TLA Grads with Erin MarkEpisode 475: From Personal Story to Thought Leadership: A Framework for Speakers with Erin MarkEpisode 483: How an I.D.E.A., Not a Topic, Makes You Easier to Refer, Pitch, and Book with Carol Cox

Giulia Miotti is Senior Ecommerce Experience and Performance Manager at Bang & Olufsen, the Danish luxury audio brand where Scandinavian design meets high-fidelity sound.With over a decade of international experience across Adidas, Escada, and B&O, she's built her career at the intersection of digital innovation and brand storytelling; leading content, SEO and AI search, and ecommerce growth strategies that bring a legacy brand confidently into a digital-first, omnichannel future.In This Conversation We Discuss:[00:00] Introduction[02:20] A century of maintaining brand craftsmanship[05:02] Kicking off the brand's digital transformation[09:46] Sponsor: IntelliGems[11:47] Building omnichannel Ecommerce roadmaps[15:03] Sponsor: Klaviyo[17:24] Legacy systems and internal friction[18:17] Piloting in-store appointment bookings[23:40] Sponsor: eFulfillment Service[25:59] Winning over franchisees with customer data[27:19] Callouts[27:29] Optimizing for AI search and AEO[36:48] Why strong SEO fuels AI search success[39:02] Final thoughts and where to find GiuliaResources:Subscribe to Honest Ecommerce on YoutubeHigh-end Headphones, Speakers, and Televisions bang-olufsen.com/en/int Follow Giulia Miotti linkedin.com/in/giulia-miotti-digital/ Book a demo today at intelligems.io/ Get your free demo klaviyo.com/honest Lower scale costs today eFulfillmentService.com/honest If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

DEBATECON 9 will be in Orlando, FL on October 24/25th! LET'S GOOOOO! https://events.eventnoire.com/e/debatecon-9-by-modern-day-debate-2 LINKS TO GUESTS: @bigjonsteel OUR EMAIL LIST FOR DEBATECON DISCOUNTS: https://forms.gle/rK5aqPAzAZXiDpDz9 OUR OTHER SOCIALS: TikTok: https://www.tiktok.com/@moderndaydebate Facebook: https://www.facebook.com/profile.php?id=61577558176275 Patreon: https://www.patreon.com/c/ModernDayDebate X: https://x.com/ModernDayDebate Discord: https://discord.gg/moderndaydebate (more details below) Instagram: https://www.instagram.com/moderndaydebates/ Twitch: https://www.twitch.tv/moderndaydebate Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Left-leaning Democratic candidates have faced a lot of scrutiny in the last year about whether they're “electable” in a general election. Why aren't people asking the same about Republican candidates?  This show was edited by Kasia Broussalian, fact checked by Esther Gim, mixed by Shannon Mahoney, video edited by Christopher Snyder, and hosted by Astead Herndon. U.S. Speaker of the House Mike Johnson (R-LA) departs after speaking to the press in the U.S. Capitol. Photo by Finn Gomez/Getty Images. You can also watch this episode on youtube.com/vox. Listen to Today, Explained ad-free by becoming a Vox Member: vox.com/members. New Vox members get $20 off their membership right now. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ralph welcomes Dr. Mimi Syed to discuss the recent report from Brown University's Costs of War Project: “Lethal Precision Without Accountability: Israeli Government ‘Quadcopter' Use in Gaza.” Then, Ralph speaks to Joel McCleary (former Deputy Assistant to President Jimmy Carter and international consultant) about his “Dancing in the Dark” essay series on the strategies that Trump is using to hold onto power at almost any cost.Dr. Mimi Syed is an emergency medicine physician and assistant clinical professor at University of Washington and Washington State University, and a fellow of the American College of Emergency Physicians. Dr. Syed served in Gaza at both al-Aqsa Hospital and Nasser Hospital, where she documented severe injuries from drone strikes and she has firsthand experience treating civilians targeted by the IDF. She is co-author of the Costs of War Project's new report: Lethal Precision Without Accountability: Israeli Government “Quadcopter” Use in Gaza.A lot of the attention has essentially fallen off from Gaza because of this so-called ceasefire…And the media (Western media) unfortunately is complicit in this—has no interest in covering Gaza, has no interest in covering the ongoing slaughter that's happening in Gaza.Dr. Mimi SyedThe irony of all of this is that the drones and the capabilities that these drones have to shoot and to distinguish between a civilian and a combatant—the whole purpose of this is to mitigate civilian harm. And instead, perversely, they're being used for the opposite. They're being used to target civilians and children. And in the U.N. report, they specifically talk about a soldier describing the experience, saying that it's like a video game. He can be sitting somewhere far away, away from the dangers of a military zone, away from the dangers of combatants, and essentially target whoever he wants, and shoot. And these drones have the capability of distinguishing between a child, an adult, a combatant. And most of these cases that I documented, the child was by themselves. There was no other adult harmed.Dr. Mimi SyedJoel McCleary served as Deputy Assistant to the President during the Carter Administration. As president of the Sawyer-Miller Group he oversaw international strategic advisory work for fourteen prime ministers and presidents. Currently, he is Managing Partner of Four Seasons Ventures, which has conducted in-depth studies for the Department of Defense and Department of Homeland Security on biodefense. These studies reviewed the emergency powers of the President in the event of a pandemic or major biological weapons attack. He is co-founder of the nonpartisan nonprofit Keep Our Republic.November 3rd is just the prelude to January 3rd—the game (so to speak) is who controls the Speakership. And that is determined by the certified members who are certified by the current House—they will determine who meets on January 3rd. So obviously what Trump does not want (or any President does not want) is there to be an opposing party's Speaker.Joel McClearyWe're not saying that anything is inevitable. We're just saying what is possible if you look at what they're saying and if you look at where they might go if they feel compelled to do so. So NSPM-7 is probably the most frightening aspect of this whole thing. And what's most frightening is how few people have focused on it. All of us need to read these documents at the ACLU (the Brennan Center has done fantastic work). And Mark Medish and I just are appalled that still, in Democratic circles or other circles, we are not yet comprehending the meaning of NSPM-7 and how it threatens each one of us in reality.Joel McClearyNews 8/21/26* This week, another round of primaries were held, most notably in Florida. For progressives, the biggest victory is that of Angie Nixon, a DSA-backed member of the Florida House of Representatives, representing Jacksonville. Nixon trounced her opponent – Alex Vindman, who testified against Trump during the 2019 impeachment effort – winning 56% of the vote to his 44% despite being outspent by a margin of 16 to 1. Forbes reports that in her victory speech, Nixon said “We have proved that everyday people are more powerful than corporations and billionaires…We went up against the political establishment, against millions of dollars of outside spending…and we won. This win was for the little guys and girls…We, the hardworking everyday people of Florida, sent a shock wave to the Washington, D.C., establishment.” Unfortunately, Nixon's candidacy, like that of any statewide Democratic campaign in the Sunshine State, remains a long shot. The last Democrat to win a U.S. Senate seat in Florida was former astronaut Bill Nelson in 2012.* More disappointing were the down-ballot results in these primaries. In the 20th congressional district, a majority-minority district centered on Broward County, Debbie Wasserman Schultz won with 45% of the vote, according to NBC. She defeated four Black candidates, including young progressive Elijah Manley. Wasserman Schultz previously represented the 25th district, but following the Republican-led mid-decade redistricting program carried out in Florida, she opted to seek reelection in this heavily Democratic seat. The Black candidates had tried and failed to consolidate behind a single choice.* And in Florida's 25th congressional district, ultra-zionist incumbent Congressman Jared Moskowitz “warded off” a challenge from his left in the form of Oliver Larkin, a DSA-backed union organizer. Larkin drew substantial media attention, first when he appeared on Fox and, asked about immigration and crime, he demanded accountability for “this pedophile president Donald Trump” and others implicated in the Jeffrey Epstein scandal and again during an interview with WPLG Local 10 when Larkin was “faced with genocide denial.” According to the Middle East Eye, Larkin “raised the topic of Israel's genocide in Gaza, pointing to statements and findings from institutions such as the United Nations, Amnesty International and Israeli human rights organisation B'Tselem,” which the interviewer, Glenna Milberg incorrectly dismissed as “factually incorrect.” Larkin “outlined Israel's deliberate targeting of civilians, restrictions on humanitarian aid and attacks on churches, schools and other places of worship,” and Milberg again “interrupted and said his account was ‘factually not correct.'” The Middle East Eye writes that the exchange was then “cut short when Milberg said she was being told they had to wrap up the interview.”* Turning to Texas, NOTUS reports Democratic Senate nominee James Talarico – capitalizing on the acrimonious primary battle between sitting Republican Senator John Cornyn and his victorious primary opponent Texas AG Ken Paxton – has taken the extraordinary step of bringing a Cornyn aide onto his campaign. According to this piece, “Jacob Smith, who worked for Cornyn for five years as a deputy legislative director and policy adviser, is taking on the role of deputy policy director for Talarico's campaign.” In a statement, Smith said that he is “proud” to join Talarico's campaign and that “Instead of playing partisan politics, Talarico speaks to the needs of everyday people who day in and day out work too hard for too little.” Smith also laid into Paxton, calling him “the most corrupt, self-dealing politician in Texas who would sell their futures to the highest contributor just to hold onto power,” and urging “fellow Republicans who know Ken Paxton is unfit to serve in the Senate to finally hold him accountable at the ballot box.” This piece quotes an anonymous “Republican operative” who characterized this kind of “cross-party hire” as “unheard of.” He added that Talarico has a “better chance than any Democrat has had in the state in a very long time.”* In more primary news, last week we discussed the victory of former Hartford, Connecticut Mayor Luke Bronin over 14-term incumbent Congressman John Larson. That same day, the Lever published an exposé of Stephen Mandel, a Connecticut-based billionaire hedge fund manager and Democratic mega-donor who is the “largest bankroller of a nascent political machine promising to ‘redefine' the Democratic Party.” Via two organizations – Majority Democrats and the Bench – Mandel and his wife have funneled tens of millions of dollars to candidates of their choosing in an attempt to form a “new [political] center.” According to this report, Bronin amassed a “sizable war chest,” during his primary challenge against Larson, much of which traces back to Mandel. Not only that, apparently, Bronin “used to be on the payroll of a nonprofit funded by the billionaire,” and his campaign's policy stances reflect the network's preferences and priorities. The Lever notes that, perhaps unsurprisingly, the Mandels did not return their requests for comment.* In more Connecticut news, in the wake of Larson's defeat, local media is beginning to question whether Senator Richard Blumenthal should run for another term in 2028, with WTNH noting that he will be 82 at the end of his current term. While Blumenthal has not formally announced that he will run for a fourth senate term, he did confirm that he has a campaign committee and it is raising money. This piece notes that Blumenthal is the second oldest member of Connecticut's congressional delegation, behind only Congresswoman Rosa DeLauro, 83, who represents the state's third congressional district. With the increased scrutiny on aging Democrats, and donors like Stephen Mandel bankrolling primary challenges by younger candidates, Blumenthal's decision of whether or not to run or anoint a successor could prove critical. For his part, Blumenthal is quoted saying “Age is a state of mind…and I am very, very happy doing my job right now, as energetically as I feel is appropriate.”* Senator Blumenthal features prominently in another story this week from a different part of Washington. NOTUS reports that on K Street, lobbyists for the defense industry – literally the military industrial complex – are “girding for aggressive investigations of President Donald Trump's Pentagon and the companies that do business with it,” if the Democrats retake one or both houses of Congress in the midterm elections. This piece emphasizes that Democrats have “spent two years seething that the Trump administration shut Congress out of decisions about the Pentagon, from the Iran war to politically connected contractors and a defense budget that's ballooned to $1.5 trillion.” Lobbyists are reported to be particularly wary of their clients being caught between outraged congressional Democrats and an uncooperative White House for the next two years. Blumenthal, the top Democrat on the Senate Investigations Subcommittee, is already zeroing in on 1789 Capital, where Donald Trump Jr. is an investor, and American Ventures, where Eric Trump is an investor, both of which received billions of dollars in government awards. He is quoted saying “We need to look into whether Trump's sons are profiting from investments in defense contractors that involve insider information or contracts awarded in ways that compromise defense interests.” Other investigations he signaled they might pursue include a probe of “the administration's growing reliance on single-source contracts and whether the administration has given preferential treatment to companies with political ties, particularly those that donated to Trump's White House ballroom project.” In the House, Democrats on the Armed Services Committee will likely focus on “military strategy, acquisition decisions and the Pentagon's rapidly growing budget,” while the Oversight Committee, is more focused on “corruption, conflicts of interest, companies connected to Trump allies such as SpaceX and other ethics issues.” When Republicans won control of the House, Senate, and presidency in 2024, many lobbying firms axed their Democratic staff. It seems they are beginning to regret that decision.* Our next two stories have to do with the AI boom. First, in Wisconsin, the politics of AI data centers have come to in large part define the ongoing race to succeed Democrat Tony Evers as Governor. DSA-backed candidate Francesca Hong rode her vow of a moratorium on new data center construction to front-runner status in the primary, only to lose by a hair to Evers' last minute chosen successor, David Crowley. Since becoming the nominee, Crowley has refused to adopt Hong's signature issue and his opponent, Republican Congressman Tom Tiffany is taking full advantage. According to Wisconsin Public Radio, Tiffany's campaign has released a new TV ad labeling his opponent “data center David Crowley.” In the ad, Crowley is “seen saying Wisconsin has the opportunity to be ‘an AI and a data hub not only for the entire country, but for the entire globe.'” Ironically, Tiffany himself has cast “pro-data center votes in Congress” and Crowley's campaign argues that Tiffany “wouldn't be as hard on developers as his campaign claims,” though he is now campaigning on “ending state subsidies for data centers and creating additional protections for ratepayers and the state's farmland and water.”* Next, a stunning feat of reporting by 404 Media exposed how “Amazon is buying massive quantities of books, scanning them for AI training data, and destroying them in the process.“ To investigate this, the outlet placed a tracking device in a rare book that they suspected would be acquired by an AI company for training data. Then, when indeed it was, they followed the book around the country to its final destination – an Amazon warehouse in Las Vegas, Nevada – where employees say that “all [they] do is scan books..Some are assigned to cut books, and others go to receive where they get books and scan the bar codes.” The printed book is destroyed in the process. The logo of the Amazon team that works at this warehouse, called VGT3, is a dinosaur, brandishing its teeth and with a book in its hands. The piece notes that the AI company Anthropic has previously been sued for engaging in the practice of destroying rare books in order to feed them into their large language models, or LLMs, on copyright grounds, but the “judge in the lawsuit ruled it was fair use and not a copyright violation for Anthropic to scan a book for training data in part because it destroyed the original, printed copy.” The author of this piece notes that these rare books are not necessarily monetarily valuable – they could be rare because “not many copies of them were ever printed,” or “they are in a foreign language not many people speak.” Still, as one bookseller said “There are different types of value…[besides monetary value] There's historical value, intellectual value, sentimental value. All sorts of things, and all of those the AI companies don't care about. They just want the content as a bunch of words strung together.”* Finally, we turn to the Vatican, where, Drop Site reports, Pope Leo XIV is using his pulpit to call for the opening of humanitarian corridors for civilians in Sudan. In his weekly Angelus address, the first American Pope highlighted “the plight of civilians in the besieged city of el-Obeid.” In addition to his call for humanitarian corridors, the pontiff called for both sides to “cease attacks on civilian targets.” Drop Site explains that El-Obeid, the largest city in Kordofan – the region comprising central Sudan – has faced intense drone attacks as the rebels of the Rapid Support Forces (RSF) battle the Sudanese army for supremacy in the region. An RSF siege has “left over 500,000 people in famine conditions for months and without supplies.” The United Nations warns that if El-Obeid falls, it could follow in the mold of el-Fasher, which fell to the RSF last year and resulted in “mass ethnic cleansing massacres by the RSF that killed an estimated 60,000 people.” We can only hope that the world will heed the Pope's plea for peace and humanitarian assistance to the civilian population of Sudan.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

The Matts answer listener questions including: Is the Kelly Plan for an early election a non-starter? Is Richard Tice a secret Labour asset? How should we respond to the huge numbers of suicides in the UK each year? And is Wetherspoons right to ban speaker phones? Enjoy!Produced by Matt WithersOFFER: Subscribe to The New World for just £1 for the first month. Head to https://www.thenewworld.co.uk/2matts/You can contact Samaritans day or night, 365 days a year. Call them free on 116 123 or visit samaritans.org Hosted on Acast. See acast.com/privacy for more information.

Being fit isn't enough—you need to be capable. JP Dinnell explains why men should embrace discomfort, build resilience, prioritize recovery, become capable for their families, and lead by example. Relive Health: https://link.relivehealth.com/widget/booking/hRIiQQVgZ4OfOAPiaOWb?am_id=jpdinnell2478 Get your free training from First In Nutrition: https://www.firstinnutrition.com/jppod More from JP Dinnell: https://www.jpdinnell.com/ Therapeutic Recreation Group: https://www.therapeuticrg.org Instagram: https://www.instagram.com/therapeutic_rec_group/ Echelon Front Leadership Assessment: https://tinyurl.com/y3v22car Join the conversation on instagram JP Dinnell: http://instagram.com/jpdinnell/ Lucas Pinckard: https://www.instagram.com/lucaspinckard Bruiser Arms: https://www.instagram.com/bruiserarms Echelon Front: https://echelonfront.com/ Little Cattle Co: http://littlecattle.co On The Path Printing: https://www.instagram.com/onthepathprinting JP Dinnell is a former U.S. Navy SEAL and now a Leadership Instructor, Speaker and Strategic Advisor with Echelon Front, where he serves as Director of Experiential Leadership Training Programs. J.P. is also a pro team athlete and spokesperson for Origin Maine and Jocko Fuel, an American clothing and supplement company. J.P. has a signature Energy Drink flavor "Sour Apple Sniper" with Jocko Fuel. Jeremiah spent nearly a decade in the SEAL Teams with three combat deployments. Sent to the violent terrorist stronghold of Ar Ramadi, Iraq in 2006 with SEAL Team Three's Task Unit Bruiser, J.P. served as point man, machine gunner, and lead sniper for Delta Platoon opposite the American Sniper, Chris Kyle, who was in Charlie Platoon. For his leadership and courage under fire, JP was awarded a Silver Star, 2 Bronze Stars with Valor and the Army Commendation Medal with Valor helping Task Unit Bruiser to become the most highly decorated special operations unit of the Iraq War. He worked closely with SEAL Officers Jocko Willink, his Task Unit Commander, and Leif Babin, and was the driving force on many of the daring combat operations Jocko and Leif wrote about in Extreme Ownership. Upon his return, J.P. again worked directly for Jocko as a training instructor at Naval Special Warfare Group One Training Detachment, where he orchestrated realistic and challenging training scenarios for Special Operations Urban Combat training and Close Quarters Combat training to better prepare SEAL units for the real-world battlefield. He also served as a Combatives Instructor, Marksmanship Instructor and earned his Master Trainer Specialist qualification while helping Jocko rebuild and enhance these training programs into the highly effective platforms they are today. J.P. brings exceptional experience and frontline leadership perspective from the winning mindset and culture of Task Unit Bruiser. 00:00 The Power of Community and Shared Suffering 03:01 Building Resilience Through Adversity 05:54 Creating a Culture of Hardship in Organizations 08:54 The Importance of Balance in Physical Challenges 12:13 Making Hard Things Fun 15:08 The Role of Recovery and Rest in Training 18:05 The Warrior Mindset and Discipline 20:59 Next Steps for Personal Growth and Safety 27:56 The Importance of Physical Capability 29:15 Faith, Fitness, and Leadership 33:37 Setting an Example for Family 34:28 Starting Your Fitness Journey 39:07 Establishing Personal Fitness Standards 48:33 The Duty to Set High Standards

The climate crisis got horribly real this summer – but is it really true that ordinary people can't do anything about it? The National Emergency Briefing is a growing movement around a stunning documentary film that makes clear the reality of the crisis and what we CAN do about it. Green economist Angela Francis joins us to explain where the fight for a liveable climate is heading; how to beat the  Reform angle that it's just too expensive so we might as well not bother; and bring surprisingly good news about tech, investment and the coming battery.  Plus, house prices are falling (in some places), ULEZ is working, and Donald Trump decides North Korea is his favourite Korea. Well, it can't all be good news. • Find a screening of the National Emergency Briefing here and if there isn't one near you, you can request one.  ESCAPE ROUTES • Hannah went to see Jimmy Eat World and Rise Against at Crystal Palace Bowl.  • Jason has been enjoying the podcast Kevin Eldon's Speakers   • Angela has been reading How To Lose A Country by Ece Temelkuran and finally watching Call My Agent on Netflix.  • Matt watched Spider-Man: Brand New Day.  Buy books through our affiliate bookshop and you'll help fund the podcast by earning us a small commission for every sale. Bookshop.org's fees help support independent bookshops too. Questions for But Your Emails? Thoughts? Comments? Email us at ogwn@podmasters.co.uk.  www.patreon.com/ohgodwhatnow Presented by Matt Green with Hannah Fearn and Jason Hazeley. Audio Production by Tom Taylor. Art direction: James Parrett. Theme tune by Tom Taylor and Simon Williams. Managing Editor: Jacob Jarvis. Group Editor: Andrew Harrison. OH GOD, WHAT NOW? is a Podmasters production. www.podmasters.co.uk  Learn more about your ad choices. Visit podcastchoices.com/adchoices

He has written a tremendous body of work, including a major initiative in establishing 'Relationship Education' as a recognized educational discipline. Physician, Author, Speaker and relationship expert. Rami Geffner, MD on the Mark Bishop show. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn more about Dr. Martin Bonner at: https://ammempowerment.org/   Show Notes 2:31

Today's Masked Speaker says his best friend called him for a questionable favor the night before his best friend's wedding. He agreed to it, and kept the secret for 5 years but now he's finally revealing what he did on the Wedding Day!See omnystudio.com/listener for privacy information.

On today's edition of Family Talk, experience more from the memorial service honoring Dr. James Dobson, faithful servant of God. You'll hear moving tributes from his son, Ryan Dobson, Speaker of the House Mike Johnson, and longtime colleague, Gary Bauer. Discover the legacy of a man who lived with unwavering integrity and pointed everyone toward Jesus Christ. To support this ministry financially, visit: https://www.oneplace.com/donate/707/29?v=20251111

Today we're tackling a topic that every single speaker will eventually face, yet few ever plan for: what happens when life throws an unexpected curveball right in the middle of a packed calendar? Joining me today is the incomparable Shola Richards—a master of workplace civility, bestselling author, and a speaker who knows firsthand how to lead with transformative kindness, even through profound personal grief. In this episode, Shola and I dive deep into navigating loss while maintaining your commitments, honoring your humanity without derailing your business, and why showing up with radical kindness—especially toward yourself—is the ultimate key to resilience. Grab a notebook, because this is a conversation your heart and your business both need to hear. Highlights you won't want to miss: When Life Interrupts the Busy Speaker 0:00 Shola's current business model. 1:00 Fighting through grief. 6:00 Grief sometimes starts before death. 12:30 The show must go on. 17:00 Prepare for the worst. 21:00 Kindness in an AI world. 23:00 Where to hang out on social media. 28:00 Speak your truth. 32:00 See you next time. 38:23 If you could use some great ideas on how you can deal with any kind of loss or emotional distress and keep things moving forward, you simply can't afford to miss this episode. For access to FULL SHOW NOTES, including video and links, visit: https://www.speakerlauncher.com/category/podcast/

Julie Menin, City Council Speaker (D-5, Upper East Side) talks about the latest developments in the City Council and takes calls from listeners, in this debut installment of a new monthly series. Photo: Speaker Julie Menin and City Council Announce Park-Webster Neighborhood Plan (Photo by Alex Krales/NYC Council Media Unit) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Industrial Talk is onsite at MD&M West and talking to Peyton Ford, Vice President of Sales at norelem US about "Streamlining manufacturing design process". The Industrial Talk podcast, sponsored by MD&M West and Informa, features Scott MacKenzie interviewing Peyton Ford, VP of U.S. Sales at norelem. norelem, a German family-owned company with a 60-year history, specializes in mechanical engineering components. Peyton discusses their extensive product line of over 130,000 standard parts, emphasizing their customer-centric approach and the ability to provide CAD data for free. They aim to streamline the design process for engineers by offering off-the-shelf solutions that can be semi-customized. Peyton highlights the importance of brand visibility in the U.S. market and the company's mission to be a one-stop shop for mechanical engineering needs. Outline MD&M West Event Introduction Scott introduces the episode of Industrial Talk, sponsored by MD&M West and News and Brews, highlighting the event's focus on med tech, automation, packaging, plastics, and design.Scott celebrates industry professionals, describing them as bold, brave, and problem solvers, and mentions the importance of attending events like MD&M West.Scott promotes the MD&M West event, encouraging listeners to mark their calendars for next year and introduces Peyton Ford from norelem. Introduction of Peyton Ford and norelem Peyton, Peyton Ford, thanks Scott for having him and jokes about being called cool by Scott.Scott praises the innovation and technology at MD&M West, expressing amazement at the solutions available.Peyton shares his excitement about the technology and the market for these solutions.Scott and Peyton discuss the size of the MD&M West event, with Speaker 3 mentioning his goal to explore more of the exhibition. Peyton Ford's Background and Role at norelem Peyton provides a background on norelem, a family-owned company from Germany with a 60-year history, and his role as the director of U.S. sales.Peyton explains his previous experience in commercial vehicle component manufacturing and his transition from operations to sales.Scott emphasizes the importance of sales in making technology and innovation accessible to customers.Peyton humorously notes that the best salespeople understand operations, allowing them to identify and address customer needs more effectively. norelem's Value Proposition and Products Peyton explains norelem's focus on mechanical engineering components and their mission to support designers, builders, and maintainers of jigs, fixtures, and machines.Peyton uses simple examples like an indexing plunger and a spring plunger to illustrate the types of components norelem offers.Peyton highlights norelem's customer-centric approach, providing CAD data for all products and partnering with mechanical design engineers.Scott asks for a practical example of norelem's products, and Speaker 3 describes a quick-acting star grip used in welding jigs to reduce takt time. norelem's Solutions and Customer Support Peyton discusses how norelem's components can help engineers solve mechanical problems quickly and efficiently, reducing design time and frustration.Scott appreciates the convenience of having a one-stop shop for mechanical engineering components, reducing the need to go to multiple suppliers.Peyton explains norelem's ability to modify parts within reason, making their offerings semi-customizable.Scott praises norelem's flexibility and their ability to provide solutions that fit various applications. Future Vision and Brand Development Peyton outlines norelem's strategy for brand development in the U.S. market, focusing on increasing brand visibility and establishing a niche in mechanical engineering components.Scott acknowledges the challenge of breaking into the U.S. market with European roots and the importance of effectively communicating norelem's value proposition.Peyton identifies common pain points for engineers, such as time constraints and the need for off-the-shelf components, and how norelem addresses these issues.Scott and Peyton discuss the benefits of using off-the-shelf components in mechanical engineering, comparing it to software implementation. Contact Information and Conclusion Scott asks how listeners can get in touch with Peyton Ford, and Speaker 3 recommends LinkedIn as the best contact method.Scott provides norelem's website and mentions the availability of videos on their site.Scott wraps up the conversation, praising Peyton Ford and norelem's solutions and encouraging listeners to attend MD&M West.Scott emphasizes the importance of connecting with industry professionals like Peyton Ford to solve problems and innovate in the manufacturing industry. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2026. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! PEYTON FORD'S CONTACT INFORMATION: Personal LinkedIn: https://www.linkedin.com/in/peytonford/ Company LinkedIn: https://www.linkedin.com/company/norelem-us/ Company Website: https://www.norelemusa.com/en-us/ PODCAST VIDEO: https://youtu.be/7UMFW2mZ7Ew THE STRATEGIC REASON "WHY YOU NEED TO PODCAST": OTHER GREAT INDUSTRIAL RESOURCES: NEOM: https://www.neom.com/en-us Hexagon: https://hexagon.com/ Arduino: https://www.arduino.cc/ Fictiv: https://www.fictiv.com/ Hitachi Vantara: https://www.hitachivantara.com/en-us/home.html Industrial Marketing Solutions:  https://industrialtalk.com/industrial-marketing/ Industrial Academy: https://industrialtalk.com/industrial-academy/ Industrial Dojo: 

God has given each of us a unique assignment to fulfill in His Kingdom. In this message, we'll discover how to recognize His calling and faithfully walk out what He has placed before us. When we surrender our plans and trust His direction, our lives can make an eternal impact.

Today's Masked speaker wishes he'd listened to his parents warnings in high school, because it took only one terrifying night of hanging around the wrong to scar him forever. But, now he's ready to admit what happened to him in a Masked Speaker podcast!See omnystudio.com/listener for privacy information.

Industrial Talk is onsite at SMRP 2026 and talking to Joe Anderson, Partner/COO with ReliabilityX about "Industrial knowledge acquisition and practical application". The conversation emphasizes the importance of cybersecurity, marketing, and leadership in various industries. Speaker 1 promotes the Barcelona Cybersecurity Congress from November 3-5, 2023, and the SMRP conference in Fort Worth, Texas. Joe Anderson discusses the critical need for skilled professionals in manufacturing, highlighting the gap between knowledge acquisition and practical application. He advocates for a shift from a focus on metrics to one on leadership and culture, aiming to build an army of problem solvers. Anderson's company, ReliabilityX, aims to improve organizational reliability and culture through practical, quick-win solutions. Outline Barcelona Cybersecurity Congress Announcement Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance for cybersecurity professionals.The event is scheduled for November 3-5 in Barcelona, with networking opportunities and expert discussions.Scott plans to attend and broadcast the event, encouraging listeners to mark their calendars.The event is organized by FIRA, and Scott assures listeners they will not be disappointed. Scott Mackenzie's Career Insights Scott shares his experience of taking responsibility for marketing and sales efforts in his other businesses.He admits to being lazy in engaging on social platforms and generating necessary content.Emphasizes the importance of pushing out meaningful content to tell one's story effectively.Encourages listeners to go to Industrial Talk for help in improving their content strategy and storytelling. Introduction to Industrial Talk Podcast Speaker 1 thanks listeners for joining and mentions this is the 17th conversation at SMRP.Announces the interview with Joe Anderson, a renowned professional at SMRP in Fort Worth, Texas.Encourages listeners to put SMRP on their calendar and highlights the opportunity to meet professionals like Joe. Joe Anderson's Passion for Helping Companies Succeed Scott praises Joe Anderson's passion for helping companies succeed and his desire to make an impact.Joe shares his goal of having some sort of impact on the many manufacturers out there.Discusses the urgency of establishing a different culture and the challenges of trade shortages.Scott and Joe express concerns about the industry's readiness and the need for a renaissance. Challenges in the Industry and the Importance of Leadership Joe compares the current situation to a meme where a dog claims to be fine despite a fire around it.Emphasizes the importance of practitioners in keeping the world running and the neglect of their role.Discusses the bureaucracy and the shrinking skills, highlighting the need for leaders to focus on the right things.Scott and Joe talk about the flow of capital and the lack of preparedness among technical colleges. Builders vs. Destroyers and the Importance of Action Joe explains the concept of builders and destroyers, emphasizing the need for people who take action.Discusses the Pareto principle and how a small percentage of people do the majority of the work.Highlights the importance of focusing on reliability as a behavior rather than just an outcome.Scott and Joe discuss the challenges of changing culture and the need for consistent action. The Role of Metrics and Best Practices Joe explains the misconception that metrics are best practices and the importance of focusing on the right behaviors.Discusses the impact of teaching people to focus on outcomes rather than inputs.Highlights the role of consulting companies and the need for trust in their business models.Scott and Joe discuss the importance of leadership and the need to focus on developing people. Developing an Army of Problem Solvers Joe shares his vision of building an army of 10,000 problem solvers to address the issues in the country.Discusses the importance of developing people at all levels of the organization.Emphasizes the need for continuous development and support to ensure long-term success.Scott and Joe talk about the challenges of maintaining momentum and the importance of quick wins. The Impact of ReliabilityX on Organizations Joe explains the disruptive approach of ReliabilityX and the need for organizations to be open to change.Discusses the challenges of engaging the entire organization and the importance of having a champion.Highlights the success of ReliabilityX in raising EBITDA and the importance of quick wins.Scott and Joe discuss the ongoing nature of change and the need for continuous support. Final Thoughts and Contact Information Joe emphasizes the importance of developing robust systems to ensure long-term success.Discusses the challenges of maintaining momentum and the importance of continuous development.Scott and Joe talk about the importance of building relationships and supporting people.Joe provides his contact information and encourages listeners to reach out for more information. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2025. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! JOE ANDERSON'S CONTACT INFORMATION: Personal LinkedIn: https://www.linkedin.com/in/joeanderson-entrepreneur/ Company LinkedIn:  https://www.linkedin.com/company/reliabilityx/posts/?feedView=all Company Website:  https://reliabilityx.com/ PODCAST VIDEO: https://youtu.be/T1KxsIxRA84 THE STRATEGIC REASON "WHY YOU NEED TO PODCAST": OTHER GREAT INDUSTRIAL RESOURCES: NEOM: https://www.neom.com/en-us Hexagon: https://hexagon.com/ Arduino: https://www.arduino.cc/ Fictiv: https://www.fictiv.com/ Hitachi Vantara: https://www.hitachivantara.com/en-us/home.html Industrial Marketing Solutions:  https://industrialtalk.com/industrial-marketing/ Industrial Academy: https://industrialtalk.com/industrial-academy/ Industrial Dojo: https://industrialtalk.com/industrial_dojo/ We the 15: https://www.wethe15.org/ YOUR INDUSTRIAL DIGITAL TOOLBOX: LifterLMS: Get One Month Free for $1 – https://lifterlms.com/ Active Campaign: Active Campaign Link Social Jukebox: https://www.socialjukebox.com/ Business Beatitude the Book Do you desire a more joy-filled, deeply-enduring sense of accomplishment and success? Live your business the way you want to live with the BUSINESS BEATITUDES...The Bridge connecting sacrifice to success. YOU NEED THE BUSINESS BEATITUDES! TAP INTO YOUR INDUSTRIAL SOUL, RESERVE YOUR COPY NOW! BE BOLD. BE BRAVE. DARE GREATLY AND CHANGE THE WORLD. GET THE BUSINESS BEATITUDES! Reserve My Copy and My 25% Discount

In this potent episode of The Feminine Frequency Podcast, divine feminine coach Amy Natalie connects with multi-dimensional guide, somatic therapist, and author Meghan O'Malley for a deeply enriching conversation on the art of reinvention, soul blueprints, and somatic reclamation. Together, they explore what it truly means to take up space, step out of the performative "good girl" conditioning, and activate a deeply rooted, embodied presence. Meghan shares her powerful concept of the "convergence window"—the high-pressure, alchemical space of identity shifts—and redefines how women can use human design as a somatic tool for liberation rather than another box to fit into. From the raw realities of post-travel integration to the sacred, nervous-system-testing initiation of birthing a TEDx talk on uncertainty, this episode serves as a masterclass in shifting from forced control to magnetic, feminine softness.ThemesWomen are often conditioned to perform, prove, and minimize their presence so as not to make others uncomfortable. Shifting the internal baseline from hyper-vigilance to authentic somatic softness allows women to stop abandoning themselves for the sake of over-responsibility.The nervous system naturally wants to orient to old, safe patterns of control, making conscious somatic integration essential for holding onto newfound expansion.True transformation requires moving through a pressurized middle column between intellectual insight and aligned action. This "convergence window" is an intense, often uncomfortable alchemical portal where the ego undergoes micro-deaths to build the capacity for who a person is becoming.Rather than using human design or the Enneagram to intellectualize personality types from the neck up, these frameworks serve as mechanical maps. Purpose is not a fixed destination, a career path, or a 3D achievement to conquer. From the lens of the divine feminine, purpose is an individual's unique energetic essence and the healingBy cultivating deep nervous system regulation, leaning into ecosystems of communal care, and practicing spiritual surrender, leaders can transmute heavy collective fear into creative intelligence.SPECIAL OFFER:

Carol Kent joins Stephanie again to explore the themes of delight, lament, and defiance as we walk with God during life's hardest seasons. Drawing from personal tragedy and grief, Carol models a Christian posture of joy and hope rooted in God's character and presence rather than in circumstances. Holding on to God's presence in both sorrow and joy allows lament, defiant delight, and community to become pathways to deeper intimacy with Him—trusting always that “He is close to the brokenhearted.”Carol Kent begins by recounting profound personal loss: her son's incarceration for life after a tragic shooting, her sister's recent passing from cancer, and the death of a beloved mother-in-law. As Carol says, “If I were the author of my own life, I would not have written all of these chapters into it.” Deep sorrow, grief, and questions are inevitable in this life and unavoidable for the Christian as well. But delight in God can still exist, and even thrive, in the midst of this.Psalm 37:4 promises, "Delight yourself in the Lord and He will give you the desires of your heart." It's the foundation for Stephanie's book, Awaken Delight, which Carol generously endorsed.  Carol clarifies that delight, unlike happiness, is not circumstantial or fleeting. Instead, it is the ongoing choice to “be at home” in God's presence, trusting that He is still good even when life falls apart. The Hebrew root of “delight” includes ideas of softness and pliability “being shaped by something”. This allows the believer to rest in God's love, even wordlessly, when strength or words run out.Lament is communal as well as personal. She describes the beauty of grieving with her siblings—sharing scripture, encouragement, and family memories during her sister Paula's dying days. Lament is rarely a single event, but a process that comes in waves. Honest lament involves asking hard questions of God and laying out our pain before Him, just as the Psalmists do.Stephanie, in her book and through this conversation, speaks of defiant delight: a courageous, deliberate act of standing in God's love and goodness even while fully acknowledging pain. It does not deny reality but declares that God's love, His delight in us, and His purposes are the final word.Practices for Cultivating DelightDaily Immersion in God's Word: Carol emphasizes reading Scripture before anything else. Breathing in God's truth enables us to breathe out hope to others.Community in Grief and Joy: Reaching out to others, sharing both joys and sorrows, strengthens communal faith.Hands-on Ministry: Serving others, especially “the least of these”—as when Carol brings hope to women inmates—multiplies joy, even in places of loss or pain.Prayer and Intercession: Praying for and with others, and inviting others to partner in God's work, turns both lament and delight into a shared experience.Delight and lament are communal, just as worship in heaven will be—our delight in God amplified through the delight of others. We experience this now, in part, as we partner together in prayer, service, and celebration, looking forward to perfect joy in God's presence.Application:Delighting in God is a daily, sometimes moment-by-moment discipline.It means allowing God's presence—not our circumstances—to define our identity and our peace.Defiant delight is chosen daily, sometimes breath by breath.It is strengthened by God's Word, community, and serving others.DISCOVER “AWAKEN DELIGHT” BY STEPHANIE ROUSSELLEWhat you will (re)discover as you journey with God through Awaken Delight:Delight in God is identity-shaping, not emotion-driven. Delight in God is not fleeting emotion but resilient identity.Delight in God is altogether trust, satisfaction in God, relational intimacy with Him.Delight in God is often expressed and grown through resilient joy under suffering.Delight in God is the missing engine behind resilience. It's the antidote to burnout. It's even the foundation for sustainable ministry.God's delight in you is secure, not performance-dependent. God's delight in you frees you from striving! That's the beginning of delight.Jesus is the center of every endeavor to delight in God.You can build a delight-centered spiritual life. Awaken Delight invites you to follow Scriptural truths and spiritual practices that cultivate daily joy in God.Purchase here: https://a.co/d/04Nyzr93 Discover more about the book at https://www.gospelspice.com/awakendelight MORE ABOUT “HE HOLDS MY HAND” BY CAROL KENTHe Holds My Hand is a page-per-day 365-day devotional. Based on Scripture, this devotional is written as if God the Father is speaking His words of comfort and protection directly over you, based on the Scripture for the day..When Carol Kent's son was sentenced to life in prison without parole, Carol was consumed with grief, sadness, and despair. She was distraught wondering why God permitted this to happen. She had prayed for her son since he was a small child. He had been raised with biblical principles and daily prayer. As Carol tried to make sense of everything, she couldn't help asking, Where's God when it hurts so much?In the middle of her sorrow, Carol turned to the place where she had always gone for comfort―the Bible. She was desperate to hear God's voice. She soon discovered that the best way for her to “listen” to His voice was to meditate on Scripture and then write out what she believed He was saying. She wrote it as if it was His prayer over her life, and it comforted her. It was as if He took her by the hand, as a father would guide a child, and He gently led her in the direction of unconditional love, renewed hope, and fresh faith.Know without a doubt that God is with you and stands ready to protect and guide you. He holds your hand, and He won't let go. Listen to God's voice and put your hand in His. He is your Comforter, your Healer, your Teacher, and your Joy. Remember He holds your hand, and He won't let go.More at https://carolkent.org/books-by-carol-kent/ DISCOVER THE BOOK BEHIND THE PODCAST | "Awaken Delight" by Stephanie Rousselle"Delight yourself in the Lord, and he will give you the desires of your heart." Psalm 37:4 isn't a poetic suggestion — it's a promise. But many believers quietly assume it doesn't really work, or it's not really possible here on earth.In Awaken Delight, Stephanie Rousselle invites you to rediscover what Scripture actually means by delight — not emotional hype, not religious performance, but a steady satisfaction rooted in who God is.Delight in God isn't a mood to manufacture; it's a relationship to receive.Through biblical theology and practical rhythms, you'll learn how communion with God reshapes suffering, quiets restless striving, and anchors your identity in something unshakable.Delighting in God isn't sentimental optimism. It's deeply rooted in Christ, Jesus.It's the quiet revolution that reshapes how we endure pain, love others, and understand our own heart.Awaken Delight is a theologically grounded spiritual formation book for thoughtful believers who feel spiritually fatigued and are ready to embrace the reality of Psalm 37:4.More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JKind words from Jennifer Rothschild, Bible teacher, Author, Speaker, Podcast Host, Founder, Fresh Grounded Faith: “Stephanie helps us awaken to and experience true delight. It is a rich mix of God's delight in you and your delight in him. This is the life you were made for, the life your soul deeply longs for. So, the table is set. Pull up a chair and let your heart sit alongside Stephanie. As your delight in God wakes up and becomes fully realized, you'll find a satisfaction in Christ that makes you want more and more.”Kind words from Amanda Jenkins, Lead creator of THE CHOSEN's literary content: "I have yet to meet another person quite as eager to intimately know Jesus as Stephanie is. Her enthusiasm for the beauty found inside a thriving relationship with her Savior is downright contagious. Indeed, Stephanie's joy and faith and commitment to growth—along with her love for really good food!—will implant themselves in the hearts of readers. Lucky readers."Kind words from Os Guinness, Theologian, Social critic, Author, The Call:  "Stephanie addresses one of the greatest needs of Christians today. Knowing God is not knowing about God, but knowing Him genuinely and with desire and delight. She does so practically and helpfully, and in a style that sparkles with a verve and joy that is distinctively French."Kind words from Pippa Gumbel, Pioneer, The Alpha Course; Author, The Bible in one year with husband Nicky: "Stephanie's love of God is inspiring and infectious. Her book is an invitation to share in that delight and to come to know God in new and wonderful ways."More at https://www.gospelspice.com/awakendelight Purchase the book, "Awaken Delight" by Stephanie Rousselle: https://a.co/d/0bqhUb5JSupport us on Gospel Spice, PayPal and Venmo!

Sue Sundstrom is a 7 x Author, including 2 Amazon best-sellers, Book Coach, Speaker & Award-winning Entrepreneur. She is the founder of the Write Now Method™ and the 5 Day Write Now Challenge, an online training event which has been attended by thousands of aspiring writers. She is also the creator of a writing group coaching program, which is helping hundreds all over the world learn how to write and publish their books and the owner of Book Breakthrough Publishing, which provides a 'Done for You' publishing service for entrepreneurs looking to have their authority-building book published quickly and easily, with minimal fuss and effort, leveraging it for tons of new leads & clients.  Having launched and grown her own business online, Sue also consults with those aspiring to take their knowledge & market it online. Before running her own business, Sue has had a background in the corporate world in project management, team management and marketing. She is most passionate about helping people achieve their dreams, especially to produce a quality book and see their book dream come to life and out into the world, impacting others. She lives in Surrey with her husband, two teenage boys and little dog called Chocolate. She loves a really good cup of coffee ....and adventure sports are kind of her thing too 

Keith breaks down why global crises, geopolitical shocks, and nonstop "doom" headlines haven't stopped stocks and real estate from reaching near all-time highs, and what that means for investors focused on inflation-resistant assets.  He also discusses Memphis as a surprising cash-flow market poised to benefit from the AI boom, sharing details on an upcoming webinar with Mid South Homebuyers.  Keith is joined by real estate investor and educator Jared Garfield to unpack the "Seven-Figure Solution," a strategy that combines cash-flowing rentals with tax-advantaged life insurance to create liquidity, reduce risk, and support long-term retirement income.  Together, they explore how disciplined portfolio growth, smart leverage, and coordinated tax planning can help real estate investors better align their assets with their long-term financial goals. Episode Page: GetRichEducation.com/619 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:02   Welcome to GRE. I'm your host Keith Weinhold. The world is about to end again. It's the economic disaster that never arrives. I'll break it down. Then you've been earning money and investing well all these years. How does it all go together? It can culminate in the seven-figure solution, it's about seeing your future today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. And September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before, we're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:39   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  1:55   Welcome to GRE from Kankakee, Illinois, to Cherokee, Iowa, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Recid Education, and the world is about to end. Even if you survive, your portfolio surely won't. Oh, jeez. At least that's the impression you get from mass media and what I'll call the Doom Scroll Industrial Complex. Fear creates urgency. Urgency attracts eyeballs. Eyeballs attract ad dollars. And I guess that using a slogan like "everything will probably be fine" well, that's never been a great ratings strategy. Now, can what has happened since 2020. Just this cheery little sequence: COVID, then Ukraine, Israel, Gaza, tariffs, and then the war in Iran. All that just since 2020. I mean, that right there sounds less like an economic timeline and more like a movie plot, or that the world is repeatedly spinning the wheel of misfortune. Yet after all of that, what is the result? Both stocks and residential real estate are near all-time highs. Apparently, the apocalypse has been postponed yet again-at least economically speaking. Now let's zoom out and break down these threats and a few more, all just since 2020, because 2020 is the year where, of course, you had the COVID-19 pandemic, economic shutdowns, the fastest major stock bear market in history, supply chain breakdown. You saw empty shelves, and there was unprecedented government intervention from the Paycheck Protection Program to stimulus checks to mortgage loan forbearance. Then, in 2021 and 2022, you had post-COVID inflation and supply shortages. Now, this was more of a result, not strictly geopolitical, but a major investment threat, and that led to aggressive interest rate hikes. From 2022 to the present, you have Russia's invasion of Ukraine, energy and food shocks came from that, sanctions, instability over in Europe, and really a heightened nuclear risk in 2023. You had the U.S. regional banking crisis. Remember SVB, yes, Silicon Valley Bank, Signature Bank, First Republic. They raised fears of a financial contagion that would spread like fat. Than a secret in a small town, it actually made me buy some gold. From 2023 to the present, you had the Israel-Hamas war and this broad Middle East instability, Hezbollah attacks, Houthi attacks, Red Sea shipping disruptions. It's almost like a geopolitical group project. And then from 2025 to the present, you have renewed U.S. tariffs and a global trade war, and this year you have the U.S.-Israeli war with Iran and the Strait of Hormuz disruption. That is the biggest current geopolitical investment threat because it combines all of these things: war, oil disruption, inflation, higher interest rates, and a recession risk. So it's a lot like this particularly unpleasant smoothie that's been blended together.   Keith Weinhold  5:55   All right. Well, all of that-that is just an absurd amount of uncertainty and disruption only since 2020, and though major markets are at all-time highs in the face of this, let's acknowledge that some were hurt here, like apartment building owners vulnerable to interest rate resets, and certain commercial sectors like office. Even worse, let's be sensitive to the fact that COVID in wars have resulted in a real loss of life. GRE's enduring strategy of primarily owning long-term residential rentals with fixed-rate debt has been comparatively really resilient. In fact, these calamities-they probably made you better off from the inflation that it has spurred. More people work from home. Well, that means that they're consuming our product while higher inflation debased our debt and jacked up our property values and our rents. And you know somehow every. single generation thinks that their collection of crises is uniquely terrifying, and it is not. And what do I mean by this? Well, in the 1980s, people feared war with the Soviet Union, the Cold War. A global population explosion so bad that millions or billions of people would surely die from hunger. You had the AIDS crisis. You had a hole in the ozone layer. Well, all those things. Virtually zero investors make decisions based on that stuff: an imminent Soviet attack or mass starvation from overpopulation. There is one thing that is 100% certain here, and that is that more shocks are coming. In case you don't want to sleep well, you can get worked up over the certainty of future calamities, artificial intelligence is making cyber attacks faster and more scalable. AI has even created entirely novel viruses. A confrontation between China and Taiwan that could create risk in the semiconductor space.   Keith Weinhold  8:18   A blockade that might disrupt the world's advanced chip supply, creating more inflation and more uncertainty. Here is what's changed, though, for what investors care about. You know what has changed with today's set of calamities versus those of the 1980s and earlier, because there is something, and it's a big deal for investors. Here's what's changed: recent history shows that the government does more to intervene during disasters, stimulus checks, liquidity programs where they're printing trillions, bailouts, pushing interest rates down to almost zero, quantitative easing. How about a foreclosure moratorium? Anything you know during COVID, it was a lot of these things, and it was the CARES Act, and it was a student loan payment pause. I mean, the Federal Reserve even set up emergency credit facilities. We now know that when the economic building catches fire, policymakers they rarely stand around admiring the flames. They just flood the place with currency. So the best investors they keep prudently building real estate portfolios in the face of risk, not the absence of risk, because the latter does not exist. This incessant government intervention, whether you agree with it or not, it gives you more safety cushions the next time that things fall apart. That's why what appears risk. Is still risky, but less so. So there is more incentive to take on prudent risk than I've ever seen. You know, no politician wants America to fall apart under their watch. So increasingly, they'll just paper over the problem by printing, printing, printing, and then, therefore, the resultant inflation, the consequence of this, that can be dealt with under the next president's watch, not theirs. In fact, future calamities they almost make you want to own scarce real assets that benefit from inflation, not a hedge, a benefit. Trying to time every war, election, banking crisis, tariff announcement, virus, and Fed decision. Trying to time all of those things-that is usually ineffective. You either own more assets, or you get left behind in everything that's happened since 2020. That just underscores this. In fact, Berkshire Hathaway, the closely watched company that Warren Buffett ran for a long time, but he still has influence in.   Keith Weinhold  11:16   You know, they recently began moving out of cash and into assets, they ended their long net selling stretch. In fact, in the latest quarter ended, they've now done the most buying that they've done since early 2022. They have jumped back in the game. It appears that Berkshire Hathaway got tired of sitting on the sidelines and seeing others make gains, and they're pretty bullish on housing too. They bought a home builder. The bottom line here is that shocks are going to keep arriving, and yet productive assets and well-financed residential real estate has repeatedly survived them and just continued appreciating. Don't wait for a risk-free world because you'll wait forever. When you evaluate all these calamities, just since 2020, again, COVID, Ukraine, Israel, Gaza, tariffs, and war in Iran, and then you realize that both real estate and stocks are near all-time highs anyway, and the government keeps backstopping asset owners like never before. This is just a fresh angle on how much better off you are when you prudently own more inflation-benefiting assets sooner. I want to tell you about something called the seven-figure solution. You've been here listening to me weekly since 2014. You've been earning money. You've been investing well, and now you're going to see how it all goes together. It's about making sure that your real estate and your other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time. Now the liquidity here is key because this is where a 401(k) or IRA limit you, they have taxes and penalties if you want to use those funds early. This doesn't, but the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach Narayish uses something like this, and he is in his 30s. Let's discuss it, and then you'll see where I have an invitation for you, where you can get involved. I'd like to welcome in a guest we last had on the show a few years ago.   Keith Weinhold  13:54   He's a frequent guest on popular shows, including our friends over at the Real Estate Guys Radio Show, and this guest has also been a terrestrial radio show host himself. He's a long-time real estate educator and an active investor, just like you and I. So he speaks from experience and not a textbook. He's the creator of what we'll discuss today, called the Seven Figure Solution. Welcome back to the show, Jared Garfield.   Jared Garfield  14:21   Hey, it's great to be with you again. Thanks for having me.   Keith Weinhold  14:25   It's so good. Now you're with the Haven Bridge Group, and you help people, especially real estate investors, with what's called the seven-figure solution. Tell us about it.   Jared Garfield  14:37   it. Well, Haven Bridge, we get the name for that because people are really looking for a haven of safety, and the bridge is kind of what crosses the gaps that could kind of destroy your wealth, and it's the path to get there. So we want to take people on a path to safety, and the seven-figure solution is the idea that if you're going to be drawing out even 4% per year to not outlive your money, because people are living now. To 8590, 95 years old, and so that means you could have 35 years in retirement. And with inflation and different things like that, you really have to have a lot bigger nest egg than what most people realize. So a seven-figure solution is how to get to more than a million dollars liquid that you can draw on in a tax advantaged manner for the rest of your life, while also having living benefits. And we pull real estate in with it because we want people to have 10 or 15 or 20 rental properties by the time they retired. That they 1031 exchange regularly, so that they're always keeping tax advantages. So that even in retirement you have strong tax advantages, and ultimately we think that when you're 65 or 70, you might want to go from 30 single-family houses to 1031 exchange into one institutional asset that's a little bit less management intensive.   Keith Weinhold  15:57   Okay, so this is a tax advantage vehicle that real estate investors can use during their investing career, and those tax advantages then really convert into something that you can use in retirement as well.   Jared Garfield  16:11   Yes, what it does is it's a vehicle that instead of saving the money from your cash flow from your rental properties in the bank, we say, well, why wouldn't you rather invest in something where it grows tax-free, number one, and then number two, you don't have the penalties like you would with a 401k, where you get taxed and you get penalized 10% if you pull it out. It's liquid, usually about 80 to 90% liquid, so you can pull from it whenever you like, and you can use it for down payments to grow your real estate portfolio. But you can earn sometimes between five and even seven or 8% in a tax advantaged manner where you're not taxed on it, but you're earning a much higher return than if you put the cash flow into a bank.   Keith Weinhold  16:51   All right, so you're building this tax advantage pool of capital that grows over time, and this is important to have some liquidity. You know, Jared, I've often talked to our audience, about three to 5% of your portfolio value ought to be kept liquid. Maybe with a vehicle like this, you would want to put in more of that because real estate investors we have expenses, so you have this liquidity to cover things like vacancies and major repairs, or perhaps you could even use this account for future down payments on additional investment properties. Is that how it's utilized?   Jared Garfield  17:27   Yeah, absolutely. And I get it partially this way because in my early 20s, I got up to where I had about six rentals, and at the time, I also owned a real estate brokerage, and I was doing very well. I was making a six-figure income and things. And what happened is, I back when a   Keith Weinhold  17:41   six-figure income was a big deal.   Jared Garfield  17:43   Yeah, back in the early 2000s, it was a little bit better money. But the funny thing was, I had four rental properties that all went vacant at the same exact time, and so now all of a sudden, I was paying like 4500 bucks a month in mortgages, not counting the house I lived in, but I had to cover four mortgages on four of my rental properties all at the same time, and I hadn't saved the cash flow, so I didn't have a huge emergency fund. All my liquid capital went into down payments and into renovation money to rehab the properties. Okay, and so it put me in a real bind, and I was out driving a Volvo S80 around throwing two paper routes in the mornings, and then going to my real estate brokerage after my paper routes to cover those rental properties. And so this was basically meant as a way to say, okay, this is a way that I have the liquidity. I'm getting a higher return, but now my tenants are not only buying me the houses, but they're also giving me a couple million dollars in life insurance, and they're wrapping my investment component or the cash value of that, the cash value part of the policy. They're wrapping that in a way that it grows tax-free, so it just accomplishes a lot of things. But the other thing that's a beautiful thing about it is there's a lot of things that we call living benefits.   Keith Weinhold  19:02   All right, so you have the living benefits and the tax advantages, and I know how you have pointed out that this can save an investor 10s of 1000s of dollars in taxes per year and hundreds of 1000s or more over time. Can you tell us more about that?   Jared Garfield  19:20   Yeah, because what happens is the money that goes in is growing tax-free, so you don't get taxed on any of the growth. But what we really like about it is, let's say that you're cash-flowing $2,000 a month off your rental properties, and you're putting 2000 a month into this policy. Usually, after the first year, if you're max funding, 80 to 90% of that's liquid. So if you've got 24,000 sitting in there, you've got access to 89 to 90% of the money. So it's pretty liquid. But what happens is over a 20 or 30 year period, that money could turn into three or 400,000 a year that you can pull out in the form of policy loans. And by doing that, it's not taxed. And you can pull that out throughout your retirement tax-free. So if you were paying 25% in taxes and you're pulling out 200 grand a year, that's $50,000 a year in retirement that you're saving in taxes. But that could be over a 20 or 30-year period. So over 20 years, that 50,000 could end up being a lot of money. I mean, 500,000 over 10 years, a million over 20, and so that means you don't have to accumulate as much. But a lot of our investors love it because they'll save it up with discipline, and then that way it's there if the furnace blows. So it makes your real estate safer, but it also becomes your down payment funds to expand your portfolio.   Keith Weinhold  20:40   Okay, the seven-figure solution is the vehicle that we're talking about here, and what part of the IRS code, just briefly, is it that gives this tax advantage?   Jared Garfield  20:51   It's Internal Revenue Code Section 79 that allows it to grow tax-free. In the 1980 s, doctors and a lot of very wealthy people were using this to the point that IRS changed the laws. They went and sued the insurance companies because doctors would go in and dump $2 million in, and they would buy a $2 million life insurance policy. So they were self-insured, which meant that they didn't have any cost of mortality on it. So they basically got all the benefits of the tax-free growth and the tax-free pullout. And the IRS said, "Wait a minute! We think you're doing tax evasion. So what they did is they came around and they said, "We're not going to let you use this loophole anymore for the very wealthiest people to have this. So they came to a compromise, and the compromise was that if you wanted to put in 2 million, you had to maintain a corridor where there had to be a little bit higher amount of life insurance. So you might have to buy a $2.3 million policy, but then you could still dump, say, $2 million in and have all the tax advantages. It's a strategy that's been used for over 100 years by families like the Rockefellers and the Hunts and J.P. Morgan. The very wealthiest families have always used these strategies to grow and protect their wealth.   Keith Weinhold  21:59   Okay, so it's a part of the tax code that allows cash value to accumulate within and be withdrawn from a life insurance policy tax-free.   Jared Garfield  22:11   Correct, and it gives you living benefits, which I alluded to a minute ago. And the living benefits are if if you end up having to go through things like long-term care, disability, if you can't perform, you know certain functions for a certain period of time, chronic illness, critical illness, terminal illness. If any of those things happen to you, you can borrow against the policy and have access to money during those things that would normally decimate your wealth, because you can actually access the death benefit in advance.   Keith Weinhold  22:42   Now I know a little about the six risks. Tell us about that.   Jared Garfield  22:47   Well, Keith, there are six risks that all investors face regularly. The first one is inflation erosion, and that means that your purchasing power often ends up leaking out of your balance. And the balance might look fine, but inflation can eat away at it. So even if you've raised a lot of money, if inflation means that you can buy half as much five or 10 years from now, then you know your wealth isn't as big as you thought. The second is the volatility setback, and that's sequence of return risk. That means that if you retire on a bad year where things really bad, stock market drops, you could end up using your money at a time where it really weakens your wealth because it may have dropped by 50% So if you had a million, now you have a half a million, and you're spending 100,000 a year. At the end of year one, you might only have 400,000 left. So sequence of of return risks from volatility setback, tax drain. That's just the compounding cost of an uncoordinated tax picture can really be a problem, and then the next one is liquidity. If you don't have liquidity and you've locked up all your money and you can't access it until you're 59 and a half without significant taxation and 10% penalties, the liquidity lock is a problem. There's the longevity paradox. What happens if you outlive your money, you know. So living longer is a benefit, but it exposes you to where you might not have enough money to live on in your latter years. The last two are care avalanche, and that is if an unexpected health event happens at the wrong time, it could really destroy your wealth because medical costs have spiraled out of control, and then the last one is the line to land, and that's only one of the six that's really about growth.   Keith Weinhold  24:28   Right, only one of the six of those was about growth. I can't stand the longevity paradox. Yeah, we think we all want to live a long time, but then it's more difficult to fund living a long time, and if you outlive everybody, nobody shows up at your funeral either. The longevity paradox-one of the six risks that the seven-figure solution can really help you with. Now, tell us more about funding it, so you can get a good cash value balance in. There, I know that one way you do it is actually with short-term rentals instead of a paycheck.   Jared Garfield  25:06   We love short-term rentals, especially for our highest net worth clients, because the reason is is the bonus depreciation of the big beautiful bill. Oh, right! You could take up to like 150 or even $200,000 in year one, they take that depreciation that they used to spread out over a whole lot of years, and they make it to where if you get with your CPA and you analyze your short-term rental, you could potentially take all of the furnishings, all of the artwork, all of the dishes and things that are in the property. Sometimes they'll let you take components like the appliances, the air conditioning unit, the furnace, and they'll let you take it all in year one instead of having to line item it and spread it out over you know 27 and a half years. So what this means is, if you have a short term rental, then you you might get like 150 to 200,000 tax break in the first year on the right property, but it's better than that because instead of having to have like 750 hours to hit full-time real estate professional status, it cuts the hours that you have to have significantly down. I think it's more like 150 hours or something like that, or 300. It's like half the hours, and so you can hit the benefits of taking unlimited passive loss much easier if you have a couple of short-term rentals.   Keith Weinhold  26:24   You're listening to Get Rich Education. We're talking with Jared Garfield about the seven-figure solution, something that takes some time to understand, but it can give you a tax-advantaged pool of capital that grows over time, and it also creates this overall tailwind, not just during your investor life, but then it provides tax advantaged retirement income at the same time. More on this when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group and MLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com, that's ridgelendinggroup.com.   Keith Weinhold  27:25   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. This is the   Speaker 2  28:28   Real Wealth Network's Kathy Betke, and you are listening to the Always Valuable Get Rich Education with Keith Weinhold.   Keith Weinhold  28:46   Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking about the seven-figure solution with Jared Garfield. Something that can be a particular benefit to real estate investors both during your investing career and then once you're in retirement as well, and this can take the form of either an indexed universal life policy or a whole life policy. There are a lot of wrong ways to do this and wrong things to get into. We're talking about the right way. Part of that is funding it as best you can. Can you tell us more about that?   Jared Garfield  29:20   Well, there's a lot of different ways to fund it. A lot of our clients will come in. We have some people who will use rollovers if they're nearing the end of retirement. Some people will roll over a 401k into a cash value life insurance policy because they can do it over a five or seven year period, and they pay the taxes when they roll it over, so their taxes go up a little bit for five or seven years of retirement, but then what happens is that means that during their retirement they're not taxed on the income all the way through retirement, so that can save really significantly. But a lot of our clients will do a flip and dump 40 or 50,000 a year in by just saying I'm going to do one flip a year and use that to. Fund the whole thing, or they'll take the cash flow and dump the cash flow into here instead of the bank, just so that they get the living benefits and they get the much higher return with still 80 to 90% liquidity. So could be cash flow from rentals, could be money from a flip, or sometimes some of these short-term rentals can make 20 to $30,000 a year, and if you get $100,000 tax break, you have more money that's not going to Uncle Sam, and then because that's your discretionary income now, because of the tax break, you could use that money to for down payments to grow your portfolio or to do a flip.   Keith Weinhold  30:35   Now, Jared, I sort of think of the cash value that you're accumulating in this policy as safe money that grows at a slow to moderate steady rate, but if it rarely or ever loses value, can you tell us more about that and the rate of return expected in the policy?   Jared Garfield  30:52   Yeah, absolutely. With the IULs, it's going to depend a little bit upon the carriers and stuff like that, and whether you go with a mutual company and stuff like that. It can vary, but a lot of times people are going with things that are what we call indexed. So you can actually index it to the S and p5 100 if you think that we're going to have a bull market and the market's going to really go up strongly. You can index it to the market, and sometimes they'll have a participation rate where they'll say, "Okay, you can participate up to 12% So if the stock market does 17% the most you can make is 12% So you're giving up a little bit of upside, but that's still not nothing. I mean, that's not three or 4% You can still make you know 10 or 12% that year, but you're giving up the part above the participation rate. And the reason that you do that is if the market tanks and drops by 30 or 40% The worst you can do is 0% return. Zero is my hero because you didn't lose anything. So if you had a half a million sitting there, you don't go down to 250 and then wait eight years to get back to break even. Instead, you're still at half a million. And if the market goes up next year by 20% and you had a 10% cap. Then your half a million, you know, is now at 550,000. When everybody else, if it went up by 10% they're at half the amount that they had.   Keith Weinhold  32:13   You have a story or example of how you've helped somebody with this, because I know a lot of investors that are passionate about utilizing the cash value inside an insurance policy tell us.   Jared Garfield  32:28   Well, I've got one friend who's a developer, and he did like a $5 million policy. And every time he flip a subdivision or flip a house, and let's back   Keith Weinhold  32:36   up. Does a $5 million policy mean that's the death benefit?   Jared Garfield  32:40   Yeah, that's the death benefit. Thanks for catching that. That's the death benefit, but that also has a correlation to how much money you can dump into it. So if you have a $5 million policy, you can dump a lot more money in for the tax free growth. And the quicker you hit that death benefit amount, at that point you're self-insured, and so at that point you really don't have cost of insurance on administering the policy hardly at all, and so at that point, when you're what we call self-insured, the return on the investment becomes a lot better. But this particular developer was able to use this policy because he had so much cash value in, and if he sold a house, he'd take 40,000. If he sold 10 a year, he might take you know 400,000 and dump it into this policy, and so it made him bankable. And he was able to use the money to go out and do new subdivision developments because the bank would actually use the policy as the collateral to be able to give him loans at much lower interest rates.   Keith Weinhold  33:38   That's valuable. Tell us about that. I don't want to use the wrong words here, but then effectively with this example, are you borrowing against the funds in the policy? So therefore, you can get those dollars working for you somewhere else, all while simultaneously the cash value continues to compound and grow. Sort of another form of leverage.   Jared Garfield  34:01   Correct. What they basically do is they basically freeze part of the amount and say, okay, we're using this as the collateral and stuff like that to be able to do the loan. But if it grows and and makes 7% you're still making the money off of the money that's sitting in there. It's just collateralized as part of the loan. And some people will even use it to like go buy a car, like instead of buying a car and going getting a bank loan and paying 7% to the bank, they might borrow money out, go pay cash for the car from the life insurance policy loan, and pay 2% instead of 7% But they're paying it to themselves, and as long as they're paying the interest to themselves, if the money that they borrow out could potentially still earn the same money and earn 7% even though you had borrowed out. So it's doing two things for you at the same time, as long as you're paying that loan interest. But and that depends on the option that you take when you do your loan.   Keith Weinhold  34:54   We love leverage around here. Leverage trumps compound interest. In so many ways. Oh, I'm really glad that you told us some more about that using the funds in more than one way at the same time. Tell us more about what it costs for the investor, the costs of setting this up, and then what some of those trade-offs are, Jared.   Jared Garfield  35:18   Well, that really depends on the individual. I mean, everybody has to sit down and be able to decide what is acceptable for them. You know, a lot of times people will want to max fund the 401k that they're doing at least just to the amount that's matched. But then after that, this could be a great place instead of putting a whole bunch more money into a 401k. Some people will elect to say, "I'm going to put the matching portion into my 401k, but then I'm going to take my cash flow from my real estate and money that I could have contributed to other alternatives and put it into this because I want the liquidity. I want to be able to leverage this money and pull it out without any restrictions. That as long as I can pull out 80 to 90 percent, I could go buy a car wash, or I could invest in a business, or I could, you know, do whatever I wanted to. I could loan it to my kids for their college and make them pay me loans back to my policy. There gives you a lot of flexibility to do it. But the thing that we love about it is we'll do what's called an illustration, and it may end up if you start at the right time, it could be a six-figure passive income stream at retirement, and then if you have the real estate, because this helped you grow your portfolio, where without doing the strategy, you might have ended up with say 10 properties. We might be able to get you to 20 or 30 properties working together as a team with your real estate coaches and stuff like that. Then we can potentially grow your real estate portfolio, and what we want to do is 1031 exchange every seven to eight years. I don't believe in holding properties for 30 years.   Jared Garfield  36:47   I believe in exchanging them every seven to eight years because when the tax benefits have been used up, if you exchange to twice the size portfolio, you have better appreciation on a portfolio worth twice as much. But that new value, you still get the depreciation advantages, where the old value that was half, you know, the depreciation is used up. So you're you're getting new depreciation on the higher value assets, and then our goal would be that by the time you don't want to be involved in managing the property managers, that at some point you're going to have a 200 unit apartment complex with on-site management, and at that point you don't have any financial worries really because you're 1031 exchanging into those apartment complexes, but you have so much equity that you're still maintaining depreciation during your retirement years. When most people who have lesser plans don't have the tax advantages,   Keith Weinhold  37:41   I love that you said so much of that, and to you, the listener, Jared is licensed to do this, and our own in-house investment coach. You mentioned coaching. Naresh has the proper licensing as well to holistically help integrate this into your investor life. And for example, yes, we are rarely of the mindset that you would hold a property for all 30 years because after seven to 10 years, your leverage ratio gets worn down, and then additionally, if you're buying turnkey properties, oftentimes that's when capex expenditures start to enter into the picture. So yes, oftentimes we do these seven to 10 year holds.    Jared Garfield  38:23   I love that. Yeah, that's a really really good strategy, and and it always makes it to where you can grow so much bigger portfolio by not being taxed through that exchange. And you know, believe it or not, there's actually even ways when you have extra cash boot, they do allow if you notify them in advance. Sometimes you can take some of the cash boot on the exchange and roll it into some of the products that we utilize.   Keith Weinhold  38:47   For more specifics, I know you said it's based on one's individual situation, but how much does it cost to set up a policy? And then, are there any ongoing maintenance fees? Can you give us more specifics there?   Jared Garfield  38:59   So, there's small fees to administer the policy because you have people who are trading and doing different things and working within the policy for the funds. But usually, you can set policies up as low as 100 or even $200 a month. We don't usually recommend that because you want to max fund it. Usually, when you're doing these strategies, if you're just doing $100 or $200 a month, you're basically buying life insurance, but you're missing a lot of the benefits because what you want to do is to be able to max fund it. So what we like people to do is get as minimum life insurance. That's not in our advantage because we get paid based on the premium of the amount of life insurance you get. But you get the smallest amount of life insurance for the amount that you can max fund. I would much rather have somebody get a $500 a month policy that, let's say, they could put you know a thousanmd a month in or something like that, than to have somebody get $1,000 a month policy where they're paying a thousand a month but they can't max fund it because by max funding it you're maximizing the growth component of the cash. Value, and so it depends on how much you want. But you can go anywhere from $100 or $200 a month to we have clients that will dump $20,000 a month in because they really want to shield as much money as they can from tax growth.   Keith Weinhold  40:15   Tell us more about who the seven-figure solution is for and who it's not for.   Jared Garfield  40:20   Well, if you're living month to month and you don't have discretionary income, it's probably not a good solution. In that situation, you probably want to get term insurance and just make sure that you cover catastrophic things. But if you've got discretionary income and you've got an extra four to $500 a month that you could use to max fund, we figure most people need life insurance anyway, and the way that we teach it, when you mix it with real estate, rather than pulling it from your monthly budget, doesn't it make a lot more sense to let your tenants buy the houses for you, but also pay for a half a million or a million dollar life insurance policy for you, where the tenants are covering the savings for anything that happens at the property with capex or vacancy or damage, and at the same time covering life insurance and potentially a six-figure passive income that's tax advantaged at retirement. So I pull the money out from other assets and let the assets cover this asset.   Keith Weinhold  41:18   Oh well, Jared, this has been great. Before I ask you if you have any last things to tell the audience about the seven-figure solution, I invite you, the audience, to join us. It's going to be Jared and our own in-house investment coach, Nareesh, bringing you a live online event that you can join from the comfort of your own home next Thursday, the 27th at 8 PM Eastern. You can register now; it's free at grewebinars.com because there are a lot of moving parts, and it does take some time to wrap your head around this, benefiting from the cash value of an insurance policy. And this way you can have a Q and A, and you can get answers in real time at this event. It's called the Seven Figure Solution: Build wealth, reduce risk, and create tax advantage retirement income through real estate. Again, it is next Thursday, the 27th at 8p.m. Eastern, you probably have generated some questions inside your head while you're listening to this, and you can sure have them answered there as you're going to learn a whole lot more about it next Thursday. This could help a lot of people. Jared, do you have any last thoughts?    Jared Garfield  42:38   I think the only thing is that we like to work with the team. We like to work with your CPA. We like to work with your real estate investment coach. I used to be a coach and trainer for Robert Kiyosaki, who wrote Rich Dad Poor Dad, and he always talked about power teams. And so we want to be able to be a part of your power team and work with your other advisors to help you implement something. We're not here to give you tax advice. We want you to be able to work with your investment advisors and your CPAs, and just be a part of the team. But I would point out that over my career, I've owned hundreds and hundreds of single-family cash flow rentals, duplexes, fourplexes, apartment complexes. I've done some land development, and I implement these strategies myself. I had 17 Airbnbs, and so these are the strategies that I implemented as a full-time real estate professional. I felt like that this strategy of having a seven-figure solution could help you to avoid some of the pitfalls that I experienced in my 20s.   Keith Weinhold  43:32   So much all comes together for one pretty comprehensive solution. It's the intersection of growing your portfolio, getting tax advantages and having the death benefits of insurance and more all coming together next Thursday, so that you can learn more. Jared, it's been great having you back on the show.   Jared Garfield  43:52   Thanks, Keith. Always glad to join you.   Keith Weinhold  44:00   Integrate the seven-figure solution the GRE way, where we have this conscientiousness about leverage and cash flow. In this case, it's how to prudently leverage a life insurance policy. When it's time to tap your cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, hence using the funds in more than one place, and the IRS does not tax loan proceeds. This reminds me of a billionaire and how they borrow against the value of their stock. That way, they don't have to sell their assets. This is similar to what you can do with this. Another thing is that you know real estate investors are not used to a volatile ride because our asset values stay stable. You heard Jared mention the acronym IUL there. That's an indexed universal life policy. It's a real benefit. That says you tie yours to the S and P five hundred. Well, that index was down 18% in 2022, and that your cash value can have an upside ceiling and loss protection on the downside-an option that you'll care more about as you get toward retirement. In 2008, the S&P was down 37% so the math is cruel on value losses. In fact, it's even worse than it sounds because if you're down 30%, then you need a 43% gain just to get back to even. That is just math.   Keith Weinhold  45:39   There are some mistakes to avoid here, and you don't just want to set up your seven-figure solution off of a website. And it is based on products that you might have heard of from companies like Nationwide and Mass Mutual. I strongly encourage you learn more, see how it all goes together, learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, 721 exchange, and 1031 exchange. This is very much about seeing your future. You've been listening to me here every week for almost 12 years, earning money from your day job, building your real estate portfolio, either from our investment coaching or on your own. This is how it all goes together. Next week with Jared and GRE investment coach Naresh. By attending live, you can have your questions answered in real time. One last time, you can sign up for the event for next Thursday, the 27th at 8 PM. Eastern, 5 PM. Pacific. Learn about something that's potentially really valuable to you: the seven-figure solution at grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  46:59   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  47:26   The preceding program was brought to you by your home for wealth building, getricheducation.com  

With less than 3 months until Election Day, who actually has the edge in the battle for control of Congress? Dana is joined by former Speaker of the House Kevin McCarthy to assess the state of the midterms as both parties prepare for the final stretch. Speaker McCarthy explains Republicans' challenges with voter enthusiasm, the increasingly competitive races in Texas and Ohio, and how the Democratic Party's progressive wing could reshape key contests across the country.  Uphill Battle: Dana and the Speaker look at how Artificial Intelligence and the growing backlash over data centers could become the next major political battleground. Learn more about your ad choices. Visit podcastchoices.com/adchoices