Podcasts about Tax

Donald Trump's Tax bill has passed. It constitutes a massive transfer of wealth from working class and poor people to the already very very rich. Israel continues to massacre Palestinians lining up to receive food in Gaza. And Donald Trump has announced that a ceasefire is near. Brian Becker is joined by Layan Sima Fuleihan, a Palestinian organizer with the Shut It Down for Palestine coalition, Education Director at The People's Forum, and an editor at 1804 Books.This is a preview of a patrons-only episode. Subscribe at www.patreon.com/TheSocialistProgram to hear the full episode, get access to all our patrons-only content, and help keep this show on the air.

There are so many little details and rules to know about as you head into retirement and today I'm sharing 8 rules that I think everyone should know about before entering retirement.

An extension of his 2017 Tax cuts for the 1%, massive slashing of services like Medicaid and SNAP, and more money for ICE and the military..WHAT COULD GO WRONG? We'll discuss.   Check out our new bi-weekly series, "The Crisis Papers" here: https://www.patreon.com/bitterlakepresents/shop   Thank you guys again for taking the time to check this out. We appreciate each and everyone of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron only programing, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now https://www.patreon.com/join/BitterLakePresents?   Please also like, subscribe, and follow us on these platforms as well, (specially YouTube!)   THANKS Y'ALL   YouTube: https://www.youtube.com/channel/UCG9WtLyoP9QU8sxuIfxk3eg Facebook: https://www.facebook.com/Thisisrevolutionpodcast/ Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Read Jason Myles in Sublation Magazine https://www.sublationmag.com/writers/jason-myles   Read Jason Myles in Damage Magazine https://damagemag.com/2023/11/07/the-man-who-sold-the-world/   Read Jason in Unaligned here: https://substack.com/home/post/p-161586946...   Read, "We're All Sellouts Now" here: https://benburgis.substack.com/.../all-we-ever-wanted-was...

Sarah Hansen, Morningstar Inc's senior markets reporter, discusses the uncertain outlook for the third quarter and how investors should prepare for market volatility.What Was Surprising From Q2 Market VolatilityMixed Expectations as Trump's Tariff Deadline ApproachesHow Should Investors Prepare Themselves for Market Volatility?How Tariff Uncertainty Could Affect Company EarningsHow Trump's Tax and Spending Bill Raises Concerns About Federal DeficitHow the Fed's Decision on Interest Rates Could Affect the Yield CurveShould Investors Brace for More Market Volatility? Read about topics from this episode.  13 Charts on Q2's Major Market Rebound Market Volatility: What to Watch in Q2 After Big Swings in Q1 Has the Stock Market Reached Peak Optimism on Tariffs? What Investors Need to Know About Tariffs Tariffs Would Likely Hit These US Stock Sectors the Hardest What Investors Need to Know About the Budget Reconciliation Bill The Deficit is the Biggest Risk for the Bond Market, Says Matt Eagan of Loomis Sayles How Much Will the Fed Cut Interest Rates? How Healthy Is the US Economy? Here's What the Top Economic Indicators Say  What to watch from Morningstar. Is the International Outlook Brighter Than the US?Digital Advice in 2025: What You Need to Know About Robo-AdvisorsDemystifying Private Equity and Private Credit ETFs: What Every Investor Should KnowMarket Volatility: Portfolio Diversification Is Winning in 2025 Read what our team is writing:Sarah HansenIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Religious liberty is a topic that is always worth the time to think about and talk about because the concept is a uniquely American contribution to the history of western civilization. Also, religious liberty is a uniquely Baptist contribution to the history of the American experiment. We know historically there is a give and take in the relationship between church and state and we are forever trying to assess in particular instances exactly how that relationship should play out. Right now, there are shifts being made by the United States Supreme Court and so, the proper understanding of government and organized religion is once again a topic worth examining. So, let's talk about religious liberty.Andrew T. Walker, “The scandal of compromising evangelical elites,” June 9, 2025.Joseph Backholm, “The myth of secular neutrality,” June 3, 2025.Colin J. Smothers, “Fuller Seminary's untenable ‘third way',” May 30, 2025.Thaddeus Williams, “Tax money for some religions,” May 27, 2025.

SHORT BLOG BECAUSE ROCKIES EAT THE SHOW AT 12:30 And I'm off tomorrow and Monday so we're talking Independence Day and the Not-So Big Beautiful Bill today.OF COURSE THE BILL IS GOING TO PASS What did I say yesterday about the fake drama about the Big Beautiful Bill? I told you that there would be a good show of some of the members of the House who said this was a garbage bill and the Senate made it worse before they voted to move it along. And that is EXACTLY what happened. A seven hour procedural vote that cleared the deck for the bill to pass today, so everyone in the House can go home and talk about what a hard battle they fought but this is just how things work in Washington and gosh they wish it was different. So predictable. The bill should pass this morning. I have mixed feelings about this. I'm glad the tax cuts are permanent because if taxes had jumped right now it would crush people who are already being crushed by inflation's impact. But this bill just moves us closer to insolvency. I hope beyond all hope I'm wrong. Please let me be wrong.WHAT'S WRONG WITH THE BILL? Well I've gathered up some stuff from people who think this bill is horrible and why. Here the Committee for a Responsible Federal Government shows how this bill is the biggest budget buster of ALL TIME. This column points out that the bill does nothing to deal with the crisis looming for Social Security and Medicare and even speeds up Social Security's demise. This column talks about the death of regular order, which will absolutely come back to bite the GOP again the next time the Democrats have a slim majority and big ideas, although that column does the best job of giving ALL the pros and cons and is worth a full read. This part on why they are using a reconciliation process instead of doing it the way it should be done is really good:The bill's secret weapon is something called budget reconciliation—a special process that allows legislation affecting federal spending, revenues, or debt to pass the Senate with just 51 votes instead of the usual 60. This procedural advantage was established by the Congressional Budget and Impoundment Control Act of 1974 to streamline budget decisions. But it's become the preferred method for passing major partisan legislation when one party controls Congress by narrow margins. Reconciliation was originally designed to ensure that Congress could implement budget resolutions by reconciling actual spending and revenue legislation with overall fiscal targets. The idea was to prevent individual appropriations or tax bills from undermining broader budget agreements. Over time, creative lawmakers discovered they could use reconciliation for much more ambitious purposes. Any provision that affects federal spending, revenues, or debt levels can potentially qualify for the expedited process. The current bill qualifies because virtually every provision either raises or lowers taxes, increases or decreases spending, or affects government debt levels. Tax cuts reduce revenues. Healthcare changes affect Medicaid spending. Even seemingly unrelated provisions can be crafted to meet reconciliation requirements. Reconciliation comes with strict limits enforced by the Senate Parliamentarian under rules known as the “Byrd Rule,” named after former Senator Robert Byrd. Provisions must have more than incidental budgetary effects, can't increase deficits beyond the budget window, and must relate primarily to budgetary rather than policy matters. These constraints force bill drafters to be creative about how they structure policies to qualify for fast-track treatment. Sometimes this leads to awkward compromises or sunset clauses that make policies temporary when sponsors want them to be permanent. The time limits built into reconciliation—typically 20 hours of Senate debate—compress normal legislative processes that might otherwise take months into just a few days of intense activity. This speed prevents the kind of detailed examination that complex legislation normally requires.

Alicia and Dan take listeners on a comprehensive tour of QuickBooks Online's completely redesigned interface, breaking down the new dashboard, business feed with AI insights, and reorganized navigation structure. They explore how familiar features have been relocated and renamed, discuss new capabilities like enhanced payment processing and CRM tools, and explain the rollout timeline from July through September 2025. The episode aims to reduce anxiety about the upcoming changes by showing exactly what users can expect when the new platform becomes their default experience.Sponsors(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:22) - Initial Impressions and User Reactions (05:59) - Exploring the Dashboard Features (15:01) - Understanding the Business Feed (23:09) - Reports and Financial Planning (26:27) - Integrations and My Apps Section (27:48) - Introduction to My Accountant Tool (28:28) - Navigating the Accounting Section (28:50) - Exploring the Expenses Section (29:23) - Sales and Payment Methods (33:18) - Customer Hub and CRM Tools (34:05) - Payroll and HR Features (35:41) - Time Tracking and Projects (36:41) - Inventory and Sales Tax (37:19) - Business Tax and Lending (42:03) - Interface Updates and Bookmarks Resources LinkedIn Group: https://www.linkedin.com/groups/14630719/YouTube Channel: https://www.youtube.com/@UnofficialQuickBooksPodcastEmail: unofficialquickbookspodcast@gmail.comRightTool: righttool.app, use coupon code ROYALWISE for 20% off the paid version.Alicia's QBOA for ProAdvisors class: http://royl.ws/QBOA?affiliate=5393907Alicia's QBO Hands-on Training: http://royl.ws/QBO-complete?affiliate=5393907Dan's “Prompts for Practices” 4 -week AI cohort (Beginning July 7th with Certified Prompt Specialist Ted McRae - https://snip.ly/AISOBQBPHDesktop Conversion Spreadsheet Differences - https://snip.ly/DTMXLSheet Converting Payroll Blog: https://www.schoolofbookkeeping.com/blog/PayrollPaymentsMigrations QB Power Hour Webinar - https://www.qbpowerhour.com/ https://www.schoolofbookkeeping.com/ Schoolofbookkeeping YouTube: https://www.youtube.com/@schoolofbookkeeping?sub_confirmation=1 

In this jam-packed episode, Matty A and Ryan Breedwell break down the Fed's latest interest rate predictions and what Wall Street's betting on for the back half of 2025. They cover the booming stock market, Trump's bold tariff plays and their real economic impact, and why Bitcoin may be taking a back seat to Ethereum in the crypto space. Plus, they tackle the big, beautiful bill moving through Congress, how crypto is now being counted toward real estate lending, and the looming ripple effects for investors and small business owners alike.If you want to understand the direction of markets, inflation, and crypto regulation—and what it all means for your portfolio—this is a must-listen.Timestamps: 00:00 – Fed outlook: rate pause in July, first cut likely in September 02:00 – Why aggressive rate cuts might backfire 04:00 – Powell's balancing act & political pressure 06:00 – Trump's massive global interest rate comparison 08:00 – Breakdown of tariff revenue & impacts on inflation11:00 – Domestic production shift = long-term economic win 13:00 – Real estate + stock market synergy = true wealth15:00 – "Big Beautiful Bill" clears Senate – what it means 17:00 – Tax cuts on tips, small biz wins, W2 vs corp benefits 19:00 – Why omnibus bills suck & how politicians weaponize them 22:00 – Elon vs Trump, Massey vs establishment – a brewing primary battle 24:00 – Cutting spending vs driving more economic growth 25:00 – Pat Bet-David's take on capitalism and state policy 27:00 – California business exodus: policy fallout 28:00 – S&P and Nasdaq hit all-time highs—why the market's surging 30:00 – Domestic equities: overlooked and underweighted31:00 – Oracle & Palantir: why they're leading the charge33:00 – Bitcoin vs Ethereum: Ryan's strong stance 36:00 – Tom Lee's Ethereum fund strategy vs MicroStrategy's Bitcoin bet 39:00 – Fannie Mae & Freddie Mac greenlight crypto as mortgage asset 42:00 – Crypto's bridge to real estate just got real 43:00 – Housing updates: mortgage rates dip, multifamily struggles 44:30 – Why the second half of 2025 looks bullish 45:00 – Napa Wealth Mastermind Announcement – Sept 23–26 47:00 – Eddie Murphy wisdom: stop fearing, start livingWhat You'll Learn:When the Fed is most likely to start cutting rates—and why it mattersHow Trump's tariffs are actually impacting inflation, GDP, and tradeWhy tariffs may spark a resurgence in U.S. manufacturing jobsThe truth behind omnibus bills and political manipulationWhy Ethereum may be the smart long-term crypto bet over BitcoinHow crypto is now playing a real role in real estate lending decisionsNotable Quotes:“Tariffs have worked out very well—and the critics are now backpedaling hard.” – Matty A“If Tom Lee is choosing Ethereum over Bitcoin, that tells you everything you need to know.” – Ryan Breedwell“It's time people stop fearing, and start living. You get 75 summers—don't waste them.” – Eddie Murphy (via Holy Man)“This bill fuels capitalism, not kills it—and that's why the market loves it.” – Matty ACalls to Action:Text “XRAY” to 844.447.1555 to get your portfolio reviewed Text “DEALS” to 844.447.1555 to get access to top investment opportunities Follow @officialmattya on Instagram for daily wealth-building content Visit: Shop.MillionaireMindcast.com – Wealth-building resources & gearWant In On Our Private Napa Mastermind? Text “NAPA” to 844.447.1555 to apply for the 2025 Wealth Builder Experience Only 15 seats available — 6 already claimed! Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555

Dozens of peaceful protesters, including disabled people in wheelchairs, were arrested last Wednesday in Washington, DC, while protesting President Trump's massive spending and tax bill, which will dramatically slash taxes, restructure the student loan and debt system, and make devastating cuts to vital, popular programs like Medicaid and the Supplemental Nutrition Assistance Program (SNAP). With Vice President JD Vance casting the tie-breaking vote, Senate Republicans voted Tuesday to advance Donald Trump's so-called One Big Beautiful Bill, which will now go back to the House of Representatives for final approval. In this urgent episode of Working People, we speak with Lorraine Chavez and Chrstine Rodriguez, who were among the dozens arrested for their peaceful act of civil disobedience on June 25, about what's in this bill, what it will mean for working people, and how working people are fighting back.  Editor's Note (7/1/25): Before the US Senate voted to advance President Trump's spending and tax bill, the provision to bar states from issuing new regulations on artificial intelligence for 10 years was removed from the legislation. Guests:  Lorraine Chavez is an educator, researcher, and community leader based in Chicago. She is also a student debtor and traveled to the Washington DC protest with the Debt Collective.  Chrstine Rodriguez is a legal assistant and student debtor from Pasadena, California, who also traveled to the Washington DC protest with the Debt Collective. Additional links/info:  The Debt Collective website, X page, Facebook page, and Instagram Brett Wilkins, Common Dreams, “Medicaid defenders in wheelchairs arrested ahead of Senate vote on 'betrayal of a bill'” Chris Stein, The Guardian, “What's in Trump's big, beautiful bill? Tax cuts, deportations and more” Chris Stein, The Guardian, “Senate Republicans pass Trump's ‘big, beautiful' bill, clearing major hurdle” Featured Music:  Jules Taylor, “Working People” Theme Song Credits:  Audio Post-Production: Jules Taylor  

Disclaimer: This is a sponsored episode. Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Asset Revesting is rapidly becoming the go-to solution for investors and retirees seeking a smarter way to grow wealth and avoid devastating losses in volatile markets.If you're tired of outdated buy-and-hold strategies, nervous about looming bear markets, or overwhelmed by complex day trading systems, this episode is your guide to clarity and control. Chris Vermeulen, founder of The Technical Traders, shares how his Asset Revesting strategy empowers professionals, retirees, and high-net-worth individuals to achieve consistent returns and protect their lifestyle—without the stress or guesswork.Chris breaks down how to identify market cycles using technical analysis, avoid the emotional pitfalls of overtrading, and use ETF investing and auto trading to generate passive income. He also reveals how his strategy adapts to changing economic conditions—including what's coming for Bitcoin, gold, the U.S. dollar, and oil.Whether you're searching for a dependable investing system, want to reduce your financial stress, or simply need clarity amid economic uncertainty, this episode delivers expert insight to help you make smarter decisions and reclaim peace of mind.Keywords: passive income, stock market analysis, technical traders, retirement investing, AI trading, auto trading, investment tips 2025

It's Wednesday, July 2nd, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Hundreds of Hindus attacked Christians in India Hundreds of Hindu nationalists attacked a group of Christian families in eastern India last month. The 20 families were eating lunch together before the mob attacked them. Eight of the Christians had to be hospitalized.  A Christian leader in the area told International Christian Concern, “Hindu right-wing activists continued to threaten people to change their religion and accept Hinduism.”  However, the Christians resisted. India is ranked 11th on the Open Doors' World Watch List of the most difficult places to be a Christian.  Hebrews 10:23 says, “Let us hold fast the confession of our hope without wavering, for He who promised is faithful.” Trump brokered peace deal between Congo and Rwanda The Democratic Republic of Congo and Rwanda signed a peace deal last Friday in Washington, D.C.  The United States brokered the agreement which will allow American companies to access minerals in the region. Armed groups across the two East African nations have been in conflict since the 1990s. The violence has left millions of people dead. Christians in the area have been especially vulnerable.   Listen to comments from President Donald Trump on the conflict. TRUMP: “It's displaced countless people and claimed the lives of thousands and thousands. But today, the violence and destruction comes to an end. And the entire region begins a new chapter of hope and opportunity, harmony, prosperity and peace.” Senate passed Trump's Big Beautiful Bill with Vance's tie-breaking vote The U.S. Senate passed President Trump's “One Big Beautiful Bill” yesterday. Vice President J.D. Vance cast the tie-breaking vote to approve it 51-50. The three Republican Senators who defected include Susan Collins of Maine, Rand Paul of Kentucky, and Thom Tillis of North Carolina. The spending bill extends Trump's tax cuts from 2017. It provides more funding for defense and immigration enforcement while cutting Medicaid spending. Appearing on Fox News Channel, Stephen Miller, White House Deputy Chief of Staff, outlined the highlights of Trump's Big Beautiful Bill. MILLER: “Each and every one of the individual titles in this bill would be considered one of the great achievements in the history of the conservative movement. “Building the missile defense shield. Our children can be safe from foreign adversaries in this growing era of intercontinental ballistic missiles as nation's race for supremacy. “The section on this bill enshrining border and homeland security. This is the most far reaching Border Security proposal, Homeland Security proposal in my lifetime. I stood by the families whose kids have been murdered by illegal aliens. We made them a promise. Most importantly, the American people voted to fulfill that promise in the last election. This bill fulfills it. “It is the largest tax cut and reform in American history. No tax on tips. No tax on Social Security. No tax on overtime. 100% expensing for new factories. Think about that. Every single business owner with a dream of manufacturing in America can deduct 100% of that cost to make the American dream come true. “The largest welfare reform in American history. Work requirements on food stamps. Work requirements on Medicaid. “This is the most conservative bill in my lifetime. Tax cuts, defense, Border Security, Homeland Security, welfare reform and the largest spending cut in one bill that has ever been enacted. Let's pass this bill.” The bill does raise the debt ceiling by $5 trillion. The U.S. national debt currently stands at $37 trillion. The bill heads back to the U.S. House of Representatives for final approval. Trump hopes to sign the bill by July 4. Senate votes to defund Planned Parenthood The Senate version of the “One Big Beautiful Bill” would also defund Planned Parenthood. A provision in the bill cuts abortion funding through Medicaid for one year. Originally, the provision would have cut the funding for 10 years.   Democratic Senator Patty Murray of Washington offered an amendment to strike the provision defunding Planned Parenthood from the bill. Thankfully, the Republicans rejected her pro-abortion amendment. Marjorie Dannenfelser with SBA Pro-Life America said, “Taxpayers should never be forced to funnel their hard-earned dollars to Big Abortion. This funding currently hits almost $800 million annually.” 58% of Americans say public schools should have religious chaplains A new poll from the Associated Press found Americans are divided on their views of religion in public schools. Fifty-eight percent of U.S. adults think religious chaplains should be allowed to provide support services in public schools. Only 44% are in favor of teachers leading a class in prayer. And 39% support a mandatory period during school for private prayer and religious reading.  Also, 38% of Americans think religion has too little influence on what children are taught in schools while 32% think religion has too much influence.  Arsonist shot and killed 2 firefighters, injured another A man armed with a rifle started a wildfire Sunday and then began shooting at first responders in a northern Idaho mountain community, killing two firefighters and wounding a third during a barrage of gunfire over several hours, reports The Associated Press. Crews responded to a fire at Canfield Mountain, just north of Coeur d'Alene around 1:30 p.m., and gunshots were reported about a half hour later. The gunman, identified as 20-year-old Wess Roley, committed suicide at the scene. Sheriff Bob Norris said, “We do believe that the suspect started the fire, and we do believe that it was an ambush and it was intentional. These firefighters did not have a chance.” The deaths of Frank Harwood, a 42-year-old firefighter, and John Morrison, a 52-year-old firefighter, have left their colleagues reeling. David Tysdal, age 47, a Coeur d'Alene fire department fire engineer. sustained gunshot wounds and was in critical condition. Authorities said he had two successful surgeries. Ironically, the dead gunman, Wess Roley, had once aspired to be a firefighter and had only minor contacts with area police, reports The Guardian. Rare Indonesian fish is thorn in evolutionists' side Ocean explorers recently captured a rare Indonesian fish on camera for the first time. Marine biologist Alexis Chappuis encountered an Indonesian coelacanth nearly 500 feet below the ocean's surface in the Maluku Islands.  The Indonesian species of the fish has been spotted before but never photographed underwater.  The coelacanth has been called a living fossil. Scientists believed they were extinct until one was spotted in 1938.  Frank Sherwin with the Institute for Creation Research wrote that the fish “continues to be a thorn in the evolutionists' side. Paleontologists can only say these amazing fish evolved from a vague, unidentified ‘. . . ancestor.' Creationists say there have always been coelacanth fish since their creation thousands of years ago.” Psalm 104:23-24 says, “O LORD, how manifold are Your works! In wisdom have You made them all; the Earth is full of Your creatures. Here is the sea, great and wide, which teems with creatures innumerable, living things both small and great.” 7 Worldview listeners gave $1,246.50 to fund the newscast Even though our fundraiser officially concluded on June 30th, 7 final donations came in on July 1st. Our thanks to Tony and Jenny in Palmdale, California who gave $5.50, Julia in Wellsburg, Iowa who gave $20, and Christopher in Dubois, Pennsylvania who gave $25. And we're grateful to God for Leticia in Blum, Texas who pledged $15/month for 12 months for a gift of $180, siblings in Wellsburg, Iowa who pledged $20/month for 12 months for a gift of $240, Ed in Wellsburg, Iowa who pledged $25/month for 12 months for a gift of $300, and Geral in Abbotsford, British Columbia, Canada who gave $476. Those 7 Worldview listeners gave $1,246.50. Ready for our final grand total? Drum roll please.  (Drum roll sound effect) $126,741!  (People clapping and cheering sound effect)   That means we exceeded our $123,500 goal to fund the 6-member Worldview newscast team by $3,241. Thanks again for your sacrifice and your kindness. Psalm 145:3 says, “Great is the LORD and most worthy of praise; His greatness no one can fathom." Close And that's The Worldview on this Wednesday, July 2nd, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

David McKnight addresses Doug Andrew's recommendation of turning your IRA into an IUL. David agrees with some of Andrew's views, including his objection to rolling a 401(k) into an IRA, and then leaving it there until you die. Given the exploding national debt, most experts predict that taxes 10 years from now will have to rise dramatically to keep the U.S. solvent… Doug Andrew lists Indexed Universal Life as his “favorite financial vehicle because of liquidity, safety, predictable rates of return, and tax-free growth”. David is skeptical of advice that denigrates every tax-free alternative within the IRS tax code in an attempt to glorify the IUL – which happens to be the product Andrew sells. While David recognizes some admirable qualities that are unique to IUL (and that no other financial tool has), he doesn't recommend having an IUL as the only prong in your tax-free strategy. David's preference is for you to opt for an approach that takes advantage of every tax-free nook and cranny within the IRS tax code. Many gurus are “married” to and recommend only one strategy. David, on the other hand, prefers “multiple streams of tax-free income, none of which show up on the IRS' radar, that contribute to you being in the 0% tax bracket.” David lists the unique qualities of financial tools such as Roth IRAs, Roth 401(k)s, Roth Conversions, and IULs. If you're someone who's looking for advice, David recommends being careful whenever someone recommends you liquidate a retirement account you've been saving into your entire life and move it wholesale into an IUL! Your ideal goal should be to have multiple tax-free income streams that will land you in or near the 0% tax bracket in retirement. Why is that so important? Because even if tax rates were to double, two times zero is still ZERO.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Doug Andrew

Dozens of peaceful protesters, including disabled people in wheelchairs, were arrested last Wednesday in Washington, DC, while protesting President Trump's massive spending and tax bill, which will dramatically slash taxes, restructure the student loan and debt system, and make devastating cuts to vital, popular programs like Medicaid and the Supplemental Nutrition Assistance Program (SNAP). With Vice President JD Vance casting the tie-breaking vote, Senate Republicans voted Tuesday to advance Donald Trump's so-called One Big Beautiful Bill, which will now go back to the House of Representatives for final approval. In this urgent episode of Working People, we speak with Lorraine Chavez and Chrstine Rodriguez, who were among the dozens arrested for their peaceful act of civil disobedience on June 25, about what's in this bill, what it will mean for working people, and how working people are fighting back.Guests:Lorraine Chavez is an educator, researcher, and community leader based in Chicago. She is also a student debtor and traveled to the Washington DC protest with the Debt Collective.Chrstine Rodriguez is a legal assistant and student debtor from Pasadena, California, who also traveled to the Washington DC protest with the Debt Collective.Additional links/info:The Debt Collective website, X page, Facebook page, and InstagramBrett Wilkins, Common Dreams, “Medicaid defenders in wheelchairs arrested ahead of Senate vote on 'betrayal of a bill'”Chris Stein, The Guardian, “What's in Trump's big, beautiful bill? Tax cuts, deportations and more”Chris Stein, The Guardian, “Senate Republicans pass Trump's ‘big, beautiful' bill, clearing major hurdle”Featured Music:Jules Taylor, “Working People” Theme SongCredits:Audio Post-Production: Jules TaylorHelp us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Sign up for our newsletterLike us on FacebookFollow us on TwitterDonate to support this podcast

In a secular age, many have predicted the death of the church in the West. But with evidence of a 'Quiet Revival' in the UK, where are the new signs of life in the church? Justin Brierley recently joined a panel of journalists and church leaders to discuss the future of the church, with Nick Spencer of Theos chairing the conversation. Panellists: Daisy Scalchi, Head of Religion and Ethics, BBC Television   Madeleine Davies, senior writer for the Church Times  Mary Harrington, writer and author of Feminism Against Progress Bishop Mike Royal, General Secretary of Churches Together in England  'Responding To The Rebirth' Conference: http://rebirthconference.net/ More info, book & newsletter: https://justinbrierley.com/surprisingrebirth/ Support via Patreon for early access to new episodes and bonus content: https://www.patreon.com/justinbrierley/membership Support via Tax-deductible (USA) and get the same perks: https://defendersmedia.com/portfolio/justin-brierley/ Give a one-off gift via PayPal: https://www.paypal.com/paypalme/brierleyjustin Buy the book or get a signed copy: https://justinbrierley.com/the-surprising-rebirth-of-belief-in-god/ Got feedback? Share it with us by emailing: feedback@think.faith 'Responding To The Rebirth' Conference: http://rebirthconference.net/ Ep 15 show notes: https://justinbrierley.com/surprisingrebirth/season-2-episode-15-does-the-future-have-a-church-theos-panel-live-in-london The conversation and audience Q&A was recorded live in London for the Theos Annual Lecture. The Surprising Rebirth of Belief in God is a production of Think Faith in partnership with Genexis, and support from The Jerusalem Trust. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lisa Siders is General Counsel at Avon Products, Inc. and the Chief Transformation Officer at Avon International. In the inaugural “Where Are They Now?” episode of On Tax, Lisa returns to talk with Cravath partner and host Len Teti about her career since she last appeared on the show as the Vice President of Tax at Natura &Co in Season 1. They also discuss the qualities that enable tax attorneys to excel across a variety of (sometimes unexpected) functions and reflect on the importance of building trust among clients and colleagues. Hosted on Acast. See acast.com/privacy for more information.

What if your real estate business was designed to serve your life — not run it? In this episode, we chat with Fouad Bazzi, a former banker who left the corporate world to build a thriving short-term rental business centered around freedom, family, and purpose. He shares how he scaled his operations, mentors the next generation (including his own kids), and shifted from chasing work-life balance to creating true work-life unity. This isn't just about real estate — it's about building a values-driven business that aligns with the life you want. Whether you're an investor or just curious about the space, this conversation will challenge and inspire you. Hit play and get ready to rethink success. Things we discussed in this episode: Fouad's shift from banking to STR for time and financial freedom Goal-driven real estate strategies over social media trends Rebranding from Crescent Retreats to The Owner Hosts Involving family in staging and business learning Building a global team with specialized virtual assistants Health and fitness as pillars of entrepreneurial success STR Cohort: action-based consulting and peer learning Embracing “work-life unity” over balance Tax strategies and real estate for high-income earners Creating sellable, legacy-driven businesses Get in touch with Fouad: Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/foubazzi/ Linkedin - ⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/fouad-bazzi-4415973/ Website - ⁠⁠⁠⁠⁠⁠⁠⁠https://www.fouadbazzi.com/ #SmartStayShow #realestate #realestateinvestor #realestateagent #RealEstateInvesting #OpportunityZones #ShortTermRentals #EntrepreneurLife #FamilyBusiness #FinancialFreedom #AirbnbHost #BusinessMindset #PropertyManagement #EntrepreneurialFamily #WealthBuilding Follow Us! Join Jason Muth of Prideaway Stays and Straightforward Short-Term Rentals and Real Estate Attorney / Broker Rory Gill for the first episode of SmartStay Show! Following and subscribing to SmartStay Show not only ensures that you'll get instant updates whenever we release a new episode, but it also helps us reach more people who could benefit from the valuable content that we provide. SmartStay Show ⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠ YouTube⁠⁠⁠⁠⁠⁠⁠⁠ Prideaway Stays ⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Straightforward Short-Term Rentals ⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ Attorney Rory Gill ⁠⁠⁠⁠⁠⁠⁠⁠on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Jason Muth on ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Hospitality.FM SmartStay Show is part of⁠⁠⁠⁠⁠⁠⁠⁠ Hospitality.FM⁠⁠⁠⁠⁠⁠⁠⁠, a podcast network dedicated to bringing the best hospitality-focused podcasts to those in and around the industry, from Food + Beverage, Guest Experience, Diversity & Inclusion, Tech, Operations, Hotels, Vacation Rentals, Real Estate Law, and so much more!

July 1 marks the first day several new laws go into effect. That includes raising the tax on retail marijuana sales. Tax on recreational marijuana products is now 15 percent plus sales tax, jumping from 10 percent prior. That makes it one of the highest cannabis taxes in the country, according to data compiled by the Tax Foundation. This increase is coming as the state is starting to hand out its first licenses to business owners.Jen Randolph Reise is the founder of North Star Cannabis Consulting. Erin Walloch is the CEO of CannaJoyMN, a south Minneapolis store that sells marijuana seeds and hemp-derived products and is in the process of obtaining a micro-business dispensary license. Both Reise and Walloch joined Minnesota Now to talk about their perspectives on the tax increase.

Hello, PFR Nation and Happy 4th of July, and Happy Birthday, America!  What a great country we live in, I'm so proud to be an American.  My Dad being a (legal) immigrant has given me great appreciation for the opportunities we have relative to the rest of the world.  I'm feeling extremely blessed for the clients we are serving in our financial planning firm, and I'm so grateful to serve all of you with this podcast.  I hope you continue to find value.  We have a fair amount of new listeners, plus the legacy listeners, and I just want to say how excited I am to deliver this weekly content to all of you.  Thank you for the support, and welcome to the 84th episode of the PFR Podcast and 7th edition of the ‘Whiteboard Retirement Plan.'  Leo and Lisa are looking to retire in 2 years, at 61 and 58 respectively.  They have done quite well accumulating approximately $3 million for retirement with the majority being inside of traditional tax deferred IRA's and a 401k.   Leo is on Long Term Disability and was forced to ‘retire earlier' than planned, and is receiving tax free income until 65.  Lisa plans to fully retire at 58.  However, this will result in losing employer-sponsored healthcare and ultimately needing to shop around in the open market.  One option will be to consider the Affordable Care Act policies on Healthcare.gov.  Furthermore, Roth Conversions are of interest during their “Roth Conversion Window” from Lisa's age 58 until she turns 75.  In this episode, we will help them decide whether or not to aggressively pursue a ‘low income' to reduce healthcare costs in early retirement…or, to begin converting some of the tax-deferred accounts right away to reduce the ‘Tax Trap of 401ks.'  Drop a comment and let me know what you plan to do if you retire before 65!  Will you aggressively pursue ACA Premium Tax Credits?  Aggressively convert to Roth?  Or potentially a hybrid between the two?  I hope you enjoy the 7th edition of the “Whiteboard Retirement Plan.”ACA Premium Tax Credits Video***Additional Disclaimer***  So much about these rules are up in the air.  From 2021-2025, there has been a “gradual slope” downwards of ACA premium tax credits even AFTER you exceed 400% of the Federal Poverty Level.  However, that is set to revert back to the “Cliff” at 400% after 2025.  With that said, there is a LOT on the table with the “One Big Beautiful Bill” which will likely include further changes to these rules.  I guess what I'm saying is…continue to follow the “OBBB” and of course follow the PFR Pod!-KevinTakeaways:Many of the families we serve are overachievers looking to retire early.Healthcare costs are a significant concern for early retirees prior to reaching Medicare eligibility.Budgeting for lifestyle and healthcare is crucial in retirement planning.Roth conversions can optimize tax liabilities over time.Monte Carlo simulations can help stress test the plan, but is by no means the be all end all retirement metric.Understanding the Affordable Care Act and their premium tax credits are important, but should NOT be the sole basis for tax planning opportunities.  Tax traps in traditional retirement accounts can impact long-term wealth during a retiree's lifetime, and for the next generation.  Income stability is key for a successful retirement.Adjusting retirement plans can provide more flexibility and security.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Jim is back though Greg is gone for today's 3 Martini Lunch. In his stead is radio personality Craig Collins. Join Craig and Jim as Independence Day week kicks off with a good, a bad, and a crazy bit of news. The week begins with Canada rescinding their digital service tax in response to Mr. Trump's Truth Social post, North Caroline Senator Thom Tillis and Nebraska Rep. Don Bacon will not be seeking reelection, and a Gallup poll finds that pride in America is significantly down from last year. First, Craig and Jim are pleased that just two days after Trump declared on Truth Social that he was suspending trade talks with Canada over their digital services tax, Canada announces they're rescinding the tax. Jim argues this tax to be particularly unfair and discriminatory toward U.S. businesses. Craig notes how Trump has been following through on his threats, and Canada seems unwilling to test him on this. Next, they mourn the bad news that North Carolina Senator Thom Tillis AND Nebraska Rep. Don Bacon will not be seeking reelection. Because the Republican Party won by narrow margins in those states, Jim worries this may swing states blue making it a good week for the DSCC and DCCC.Last, they are aghast at the recent Gallup poll which shows pride in America to be down significantly from last year particularly among Democrats. Jim is amused that Democrats felt more pride in the country when President Biden was in office. Ultimately, Jim and Craig argue that pride in one's country should not be contingent upon who is in office. Please visit our great sponsors:No missed calls, no missed customers with OpenPhone. Get 20% off your first 6 months athttps://Openphone.com/3mlIt's free, online, and easy to start with no strings attached. Enroll in the American Foreign Policycourse FREE with Hillsdale College. Visit https://Hillsdale.edu/Martini

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   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  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

Annie and Roger break down the political maneuvering around the "big beautiful bill" extending the Tax Cuts and Jobs Act, explaining why seemingly simple provisions like no tax on tips and overtime could create major headaches for the 2026 filing season. They examine proposed IRS budget cuts of 37% and workforce reductions of 20% at the same time new tax complexities are being added. The hosts also celebrate the success of the 2025 filing season while questioning whether similar results are possible given the challenges ahead, including new Commissioner Billy Long's appointment and the ongoing uncertainty about when and what form the final legislation will take.SponsorsPadgett -  Contact Padgett or Email Jeff Phillips(00:00) - Welcome to Federal Tax Updates (02:14) - The Big Beautiful Bill: An Overview (02:37) - Republican and Democrat Perspectives (04:04) - Understanding Cuts and Dynamic Scoring (06:10) - Medicare and Eligibility Changes (08:23) - State and Local Tax Deduction Debate (11:13) - House vs. Senate: Political Dynamics (17:24) - New Proposals: Tips, Overtime, and More (29:16) - Temporary Tax Law and Its Implications (33:55) - Challenges with No Tax on Overtime (39:34) - Successful 2025 Filing Season Recap (44:45) - Proposed Budget Cuts and Their Impact (51:44) - New IRS Leadership and Future Outlook (56:43) - Conclusion and Future Updates Get NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Connect with the Roger and Annie on LinkedInhttps://www.linkedin.com/in/rogerharrispbs/https://www.linkedin.com/in/annie-schwab-852418261/ReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of the Earmark Media

Anyone who believes in Jesus – is also meant to be an Ambassador of Christ. Now – that's not an easy role. Sometimes being Ambassador requires some tough talk. Other times it's about diplomacy – the question is, knowing when to call a spade a spade, and when to be more … circumspect.   It's Not a Shouting Match One of the most embarrassing things I've ever seen as a Christian – and I've seen it a few times – is some guy standing on a soapbox in a Mall or on a street corner, or as I shared a few weeks ago, at a Saturday morning market, screaming out the so called, "Good News" about Jesus Christ. Now, I'm a Christian and so I will sometimes stop and see if I can understand where they're coming from. And truly, most of the time, I just can't figure it out, but there they stand on their soapbox, with a Bible in their hands and surrounded by some pretty tacky placards normally, screaming the Gospel at people. Do I think God can use that? Sure – I mean, He seems to use the foolishness that I preach sometimes, in peoples' lives, so why not the guy on the soapbox on the street corner? Do I think, however, that it's the most effective way of dealing with the issue? Is it the best way to communicate the incredible love of God, the grace of Jesus Christ, the riches available to those who put their faith in Him? Is it the best way to share that Good News? Not by a long shot; not by a very long shot! And yet, it's easy ... it's so easy for us to imagine that telling people about Jesus is kind of like getting on that soapbox. That it's about two equal and opposite ideologies – God's and the world's – butting heads and locking horns. Over the last couple of weeks and again this week on the programme, we are having a chat about living our lives out as ambassadors of Christ; His emissaries, if you will. If I believe in Jesus; if you believe in Jesus, then one of the things that we have to do with our lives – one of the main things - is to communicate His love; to carry His love out into a lost and a hurting world. That's what the Apostle Paul said in writing to his dear friends at the church in Corinth – way back in the First Century. Second Corinthians chapter 5, verse 20: So we are ambassadors for Christ, since God is making his appeal through us. Each one in our own way, of course but otherwise, how can we possibly claim to be His ambassadors? How can God make His appeal to this world to be reconciled with Him through someone who looks nothing like Him; who sounds nothing like Him? Now, that presents us with something of a dilemma! Does me, anyhow, because what I see is that sometimes Jesus stood up and berated people – not too often, but sometimes He did. He called the religious leaders of the day "hypocrites", "a brood of vipers" and a whole bunch of other things as well. And yet other times, He dealt with people with such tender love and compassion, it kind of moves you to tears when you read about those times. Like the woman caught in adultery – you can read her story in John's Gospel chapter 8. I mean He pretty much puts Himself between her and the angry mob that wanted to stone her to death. Go figure that out!! So how do we reconcile that? How do you or I, if we want to be like Jesus, learn to speak into this world the way that He did? When do we speak with tender love and when do we stand up to be counted and call a spade and spade, no matter who it's going to offend? I guess that's kind of where we are going this week on the programme – looking at how we speak into this world like Jesus. How do we connect His message of love and forgiveness and a new and abundant life to the needs ... the often desperate needs in the lives of the people around us? Do we call a spade a spade and get right into peoples' faces or do we speak with compassion and love? And if it's both of those, how do I know when to use one and when to use the other? Now these questions, as you can imagine, are questions that I have mulled over a lot and as I look at how Jesus communicated, He only got upset ... really upset with people on a handful of occasions. In other words it was the exception rather than the norm. He didn't see His role as God in the flesh, as being one half of a shouting match most of the time. And so far as I can see, He reserved His anger for the people who should have known better; for the people who said they believed in God – the religious leaders. Have a listen – Matthew chapter 23, beginning at verse 12: All who exalt themselves will be humbled, and all who humble themselves will be exalted. But woe to you, scribes and Pharisees, hypocrites! For you lock people out of the kingdom of heaven. For you do not go in yourselves, and then when others are going in, you stop them. Woe to you, scribes and Pharisees, hypocrites! For you cross the sea and land to make a single convert, and you make the new convert twice as much a child of hell as yourselves. Or when He went into the temple, John chapter 2, verse 15: Making a whip of cords, he drove all of them out of the temple, both the sheep and the cattle. He also poured out the coins of the money changers and overturned their tables. See, the only time Jesus really got stuck in was when He encountered hypocrisy amongst the religious leaders. When they held themselves out to be clean on the outside but actually, they were filthy on the inside – when they oppressed the people who were looking for God; when the powerful stood over the weak; when the rich exploited the widow and the poor; when the judges were dishonest to the detriment of the ordinary people. You know, when Christians, at least here in Australia where I live, sometimes stand up to politicians and publicly speak out against injustice and wrongs and decisions being made and laws being passed that just aren't in the interests of the common people, like you and me, the most common response of the politicians is that Christians and church leaders should keep their noses out of politics. I couldn't disagree more! When we see wrongs and injustices – and can I say, especially when we see those things in the church; especially when we see hypocrisy amongst God's own people – I believe it's time to stand up and to say so. This isn't a clash of ideologies; it's not a slanging match or a shouting match; it's not some irrelevant joker standing on a soapbox on a street corner - because you know something? The truth … the truth rings out, clear as a bell. Sure, people with vested interests aren't going to like it. Sure, there's going to be a cost, but God's heart ... God's heart is for justice for the poor and the oppressed. And sometimes we are called to speak out. Next, we are going to have a look at the flip side of that coin – the gentle speech of the diplomat; the ambassador.   The Diplomacy of an Ambassador Let's take a look at the flip side of the coin – the diplomacy of an ambassador because Jesus used that much more than that other really direct and angry approach. Most of us, you and I, we have blind spots. In fact, the reason they are called, "blind spots" is that we can't see them. And when it comes to our own blind spots in life, what's amazing is how defensive and touchy we are about them. It's almost that we hold them to be sacred. Let's say that our blind spot is anger – that's the one we are dealing with in our lives - and we are prone to flaring up quickly and someone comes along and points it out to us. Well, they'd better watch out! Or if it's low self-esteem and someone tries to help us with it, we can crawl even further inside our shells. So how do you help someone with their blind spots? Because my blind spots – if I don't deal with them, will end up hurting you and stunting me and you know, my friend, your blind spots, if you don't deal with yours, will end up hurting the rest of us and stunting you. That's what sin does! And before we get all judgemental: Sin! Sin! What century is this guy coming from? Let me read out to you a succinct list of the sorts of things that I'm talking about – just so there's no mistake. Now, I'm reading from the Message translation which is a really contemporary translation of the Bible, written by a guy called Eugene Peterson. It's coming from Galatians chapter 5, verses 19 to 21. Have a listen to what God calls sin: "It is obvious what kind of life develops out of trying to get your own way all the time: repetitive, loveless, cheap sex; a stinking accumulation of mental and emotional garbage; frenzied and joyless grabs for happiness; trinket gods; magic show religion; paranoid loneliness; cutthroat competition; all-consuming-yet-never-satisfied wants; a brutal temper; an impotence to love or be loved; divided homes and divided lives; small-minded and lopsided pursuits; the vicious habit of depersonalizing everyone into a rival; uncontrolled and uncontrollable addictions; ugly parodies of community. I could go on,” writes Paul. “This isn't the first time I have warned you, you know. If you use your freedom this way, you will not inherit the kingdom of God." Now, you don't have to be a rocket scientist here to figure out that the sort of things that God calls "sin", which Paul is talking about here – they are exclusively the things that cause us and other people pain. And the thing that we want to do when someone's sin is causing us pain is we want to give them what for – we want to tell them exactly what we think about them and hold them to account and, if needs be, have a shouting match with them and get our own way – we do! Because what we are driven by is desire to stop our pain. What we are driven by is "wanting" to win. But here's the thing: if what we want to do is to live our lives as ambassadors of Christ then we need to handle these incredibly difficult issues, with His wisdom. And time and time again, when Jesus encountered people whose sin was ruining their lives, He dealt with them with such incredible compassion. Tax collectors back in Jesus day were a really grubby lot – they were dishonest, they rorted the system, they applied extortion and this behaviour was sanctioned by the Romans who occupied Israel – so long as the Emperor got his taxes! So, by the common Israelite, they were despised; they were considered to be the worst sinners of all; they were traitors and turncoats. Let me read you some of Jesus wisdom and how He handled them. Matthew chapter 9, verses 9 to 13 – if you have a Bible, grab it, open it up – Matthew chapter 9, verses 9 to 13: As Jesus was walking along, he saw a man called Matthew sitting at the tax booth; and he said to him, “Follow me.” And so, he got up and followed Jesus. And as he sat at dinner in the house, many tax collectors and sinners came and were sitting with him and his disciples. When the Pharisees saw this, they said to his disciples, “Why is it that your teacher eats with tax collectors and sinners?” But when he heard this, Jesus said, “Those who are well don't need of a physician, but those who are sick. Go and learn what this means, ‘I desire mercy, not sacrifice.' For I have come to call not the righteous but the sinners." See, you and I, when we see people whose sin offends us or hurts us; when we are on the receiving end of their sin, the thing we want to do, naturally – it's a natural human response – is to cut them off; to cut them out of our lives. That way we are protected; that way we don't have to deal with them; that way we don't have to deal with the pain that they cause in our lives. But what Jesus is saying here is that it was precisely for these people; these sinners; these rejects, that He came and so He went and ate a meal in that house. Here He was, this veritably rock star – huge crowds were following Him - He comes into town, He decides to go and eat with what – the Mayor, the Governor, the church leaders, the synagogue leaders, the bishops? No, no – the tax collectors! Do you see this huge ... huge symbolic act that was going on here? He knew that it would do two things. That He would draw vocal criticism from the religious leaders and He'd also confer honour upon the sinners. And by conferring honour on them, He was building a relationship with them. He was accepting them just as they were; without a word of condemnation or judgement. And my hunch is that that completely changed their attitude towards Him. You know something? They had their blind spots – they were rationalising away their extortion and dishonesty and if Jesus had come and berated them or condemned them or ignored them, nothing would have changed in their lives. Instead He came and ate with them and drank with them and listened to them and took the criticism that everyone else heaped upon Him for doing that – and He built a bridge by honouring them. And so powerful was this that one of them, Matthew, became one of His disciples. He wrote the first Book of the New Testament. You want to be an ambassador of Christ – then we need to learn the language of an ambassador? Being an ambassador, as we saw on last weeks programme, about building relationships and bridges, so that when there are difficult issues that have to be dealt with, there is already a connection of relationship and trust in place, through which to deal with the problem. Think about it – who are the people in your life to whom you give a licence to talk to you about your blind spots? I know who they are in my life – it's the people who have honoured me and stuck with me and who've proven themselves to be wise and trustworthy. They're the ones with that licence! And as I look back, it was through those people – people just like that; people who had eaten with this sinner; loved this sinner; coped with my sins – it was through those very people that I encountered the transforming love of Jesus Christ. They were His ambassadors in my life. They treated me the way He treated those tax collectors and friend, without them I wouldn't be with you here right now. It makes you think.   Preaching with our Ears Today and over these last few weeks on the programme we have been chatting about what it means to be an ambassador of Christ; to live our lives - if we believe in Jesus - as one of His ambassadors. Remember, the Apostle Paul – Second Corinthians chapter 5, verse 20 writes: So we are ambassadors for Christ, since God is making his appeal through us; we entreat you on behalf of Christ, to be reconciled to God. Now, one of the things that strikes me is how strong differences are across cultures. We've had a man recently join our team here at Christianityworks – his name is Gregory. Now you may or may not have known this but we Australians are fairly direct in the way we speak. Americans on the other hand, are less so – we often joke about that. Gregory will ask where the bathroom is, whereas I'll ask where the toilet is. So we Australians are much more direct. But even more than that, Gregory grew up; spent many of his childhood years in Japan, and so he has a lot of Japanese culture on the inside too – a culture that's very much about politeness and face. And even though we have known each other for a very long time, working together now every day has been a real learning experience for both of us. When I ask him what he thinks, I want him to actually tell me what he thinks. If he thinks I'm off with the pixies on some issue, I actually want him to tell me so. Forget hierarchies – I just want his direct, honest input because that's how we will get the right results. He, on the other hand, can find that just a bit confronting because that's not the cultural background that he's come from. It's just one simple example but it's a good one. Imagine if I, as direct as I am, were sent as Australia's ambassador to the U.S. or even more so, to Japan. I'd have to learn a lot about their cultures before I could communicate effectively on a diplomatic level with those countries. I'd have to find different ways of saying things I want to say. I'd have to listen carefully to what their diplomats were saying to make sure I actually hear what they mean to say. You know something? Sharing the Good News of Jesus Christ with the people around us is no different to that. After fifteen years of walking with Jesus, I have a whole different perspective on what success is, what joy is, what happiness is, what sin is, what pain is – and all sorts of things, from someone who has never met Jesus – from someone who doesn't have that relationship with Jesus. Why would I ever imagine I could talk to them as though they have the same perspective as me? You know, for a long, long time in my life, I just wasn't ready for anyone to tell me about this Jesus. I mean, get lost! I couldn't stand those God botherers. I had a totally different perspective to theirs. I just knew that life was about making lots of money and being recognised in my field and being successful. I knew I'd find my pot of gold at the end of that rainbow. I had, back then, a whole bunch of misconceptions about life and where I wanted to be headed and what would make me happy. And I didn't need anyone to preach at me - least of all those God botherers telling me about Jesus. What I needed was someone to listen to me – what I needed was someone to understand me and help me to understand myself. I needed someone to preach to me with their ears – if that makes sense. An ambassador from one country who is about to be sent to another country has to learn about the culture and the language and the issues and the aspirations and the concerns of the country to which he or she is being sent. Someone who lives in one country and is going to be a missionary in another country, well, they have to do exactly the same. I believe the most important asset an ambassador can have are his ears and his eyes – to observe, to perceive, to listen, to see, to understand. Jesus grew up in the Hebrew culture of First Century Israel. He attended school in that culture. He knew how to speak and He had a lot of time listening. He spent time eating and drinking with tax collectors; with sinners. He spent time living with His disciples. He spent time getting to know the issues in peoples' lives. I remember when I was working in a retail buying group – quite some years ago. The chairman of our board was a man called Stan Brown – he owned a menswear store in Sydney. I remember him saying that a shop attendant who walks up to a customer and opens up with, "Can I help you?" well, he'd say it's like asking someone to marry you on the first date. First he said, you need to find out who they are, why are they here, why did they come into your store, what's their taste, what are they looking for? First you have to find a point of connection, he said, then ... then they'll be open to receive any help. As I look at people who God brought to me; the ambassadors whom He sent in my direction when I needed to meet Him, what I realise, is that they, for the most part, preached with their ears – they listened, they understood, they laughed, they cried with me and once they understood – once I really knew they understood – then I relaxed. Then I let them into my thoughts and into my heart – then they were allowed to influence me because they got me. Then they had the opportunity to show me who this Jesus really, really is. The stock-in-trade of an ambassador is diplomacy. It's about trust and communication and understanding and if you and I ... if you and I are going to be ambassadors of Jesus Christ, then that's something I believe we are going to have to learn. When I take the time to get to know you and understand you – whether or not I agree, I have just built a bridge into your life that honours you. When you feel understood, you feel secure and you experience trust and it's exactly the same back in the other direction. Friend, Jesus was an amazing communicator – He was prepared to confront the difficult issues when they needed to be confronted and He was prepared to show compassion because that's what flowed out of His heart to people in need. And it was that bridge of compassion that we can build with people. That's the bridge that, one day, Jesus will walk across. Trust me, that's the bridge and it all comes from preaching with our ears. Go figure!

We wallow in the mud with some of the worst gurus of the gurusphere. Join us and lament the guru paradise that we all live in.Supplementary Material 3200:00 Introduction and Banter01:22 Old Squeaky and Daily Life03:53 Matthew McConaughey Episode Recap08:13 The Liver King Controversy16:14 Nazi Propaganda on YouTube21:11 Historical Revisionism: Darryl Cooper and David Irving27:46 Huberman's very public hardcore research32:25 Huberman sells out34:32 Chris Langan: The Bottom (Racist) Tier of Gurudom36:03 Langan on Weinstein42:21 Langan's grievances against Elon Musk and Jordan Peterson49:47 Matt Goodwin visits London55:59 Gary Stevenson hates Graphs and Data01:10:33 Gary compares himself to Russell Brand01:15:12 THEY won't let you talk about the economy01:17:22 Matt invokes Goodwin's Law01:25:08 The All In Podcast Besties launch a Tequila Brand01:28:32 Matt's Modest Utopian Plan01:31:12 Lab Leak Discourse continues at the Guardian01:35:55 Matt attacks the Mainstream Media01:39:11 Dugin's Forum of the Future 2050 and the Guru Horseshoe01:45:57 Extended OutroThe full episode is available for Patreon subscribers (1hr 50 mins).Join us at: https://www.patreon.com/DecodingTheGurusSources2Lazy2Try: The Liver King Gets Arrested For Trying To Hunt Down Joe RoganRob Mohr tweets out an iconic photo of HubermanScott Carney: Documenting Andrew Huberman's LiesChris Langan's thoughts on Eric WeinsteinChris Langan's thoughts on Elon Musk & Jordan PetersonMatt Goodwin's visit to LondonDespolarisa: #89 GARY STEVENSON - Economics, Trading, Inequality, Wealth, Populism, Tax, DepolarizeThe All-In Podcast guys being bastardsTsargard Institute: The Forum for the Future 2050

This country has been due for a course-correction for decades. And like most things that have been just cruising along, the institutional people revolt on change.Tax policy…Frankly, social security needs a major overhaul where one can OPT OUTI'd opt out even if they said that 20% had to remain in to help the poor.Our trade policy, military policy…In a plot twist even M. Night Shyamalan couldn't dream up, nearly a million undocumented immigrants have voluntarily left the United States since January, driven by a federal campaign that's part carrot, part stick, and all business.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We kick things off with a viral fake AI video of Charlie Kirk, raising serious concerns about deepfake manipulation. Pete Hegseth breaks down the real story behind the B-2 bomber mission in Iran—while calling out the press for downplaying the success and laughing off a question about a female pilot. Tucker Carlson and Trump both weigh in, and CNN? Total meltdown.Plus:*Gen. Dan Caine honors young soldiers after the Middle East attack*Trump and Bibi may be on the verge of a historic deal*Jennifer Griffin becomes the media's latest darling—and punching bag*Matt Gaetz scorches Bibi over foreign aid*Mamdani goes full socialist: from taxing “whiter neighborhoods” to trashing capitalism*Candace Owens offers a $10k reward in a wild turn of events*Andrew Tate flaunts his wealth, and Harry Sisson spirals with Don Lemon in towAnd don't miss: A potential Abraham Accords breakthrough with Syria, SCOTUS bans Planned Parenthood funding 6–3, Brian Stelter and Megyn Kelly clash over CNN's coverage.SUPPORT OUR SPONSORS TO SUPPORT OUR SHOW!Take charge to protect your identity with AURA. Check out https://Aura.com/chicks to get access for only $12 a month, after a 14-day free trial.Start your morning with Blackout Coffee and The Chicks! Bold brews and SO MANY flavors — Blackout with us! Visit https://Blackoutcoffee.com/CHICKS  and use code CHICKS at checkout for 20% off your first order.Master the grill this summer with CHEF iQ Sense—perfect cooking made easy.  Get 15% off with promo code CHICKS at https://ChefiQ.comIt's free, online, and easy to start with no strings attached. Enroll in American Foreign Policy with Hillsdale College. Visit https://Hillsdale.edu/chicksEnergize your brainpower with Healthy Cell! Visit https://HealthyCell.com/CHICKS and use code CHICKS to get Focus and Recall and save 20% off your first order.

Tom welcomes Roxy Butner back to field listener questions on retirement income, Roth vs. traditional 401(k) choices, car financing math, leftover 529 rollovers, and bond price confusion. Listeners hear sharp, practical advice on optimizing savings and withdrawals—without slipping into tax traps. Plus, a shoutout to the record 401(k) savings rate and a surprising mini-lesson on estate planning trends. 0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal 2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case 3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts 6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24% 8:38 Roth conversions and RMD prep—why to think now about later taxes 9:41 Why DIY retirees still need a second set of eyes on their plan 10:25 Listener Q: What to do with $16K left in a 529 plan 11:24 529-to-Roth rollover rules and strategy 12:31 Listener Q: Pay cash for a car or finance at 1.9%? 13:58 Emotional vs. mathematical car finance decision-making 15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise? 17:36 Bond basics: duration, rate risk, and quality 17:53 Roxy's real-world client trend: surge in estate planning questions 18:54 Free portfolio analysis plug and Roxy's parting thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting close to retirement? Here are 5 things you should stop doing before you get started.

On this week's episode, Kathy Jones and Liz Ann Sonders discuss the current state of the markets amid geopolitical tensions in the Middle East and the implications for oil prices and overall investor sentiment.  Then, Kathy Jones sits down with Mike Townsend, Schwab's managing director of legislative and regulatory affairs, to discuss the evolving geopolitical landscape, particularly the U.S. involvement in the Middle East and its implications for foreign policy. They explore market reactions to recent conflicts, the current state of tariffs and trade negotiations, and the impact of immigration policies on labor markets. Additionally, they highlight key policy issues for investors to watch in the second half of the year, including the potential for deregulation and the future of cryptocurrency regulation.You can follow Mike Townsend on LinkedIn or X.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Currency trading is speculative, volatile and not suitable for all investors.Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures productsAll  names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intendedShort selling is an advanced trading strategy involving potentially unlimited risks, and must be done in a margin account. [There is no guarantee the brokerage firm can continue to maintain a short position for any period of time. Your position may be closed out by the firm without regard to your profit or loss.](0625-B9S2)

On this Salcedo Storm Podcast:Congressman Scott Perry represents the 10th Congressional district in the great state of Pennsylvania. He's a member of the freedom caucus who sits on the House Transportation & Infrastructure committee.

  Tax policy can be maddeningly complex and confusing. Indeed, keeping it that way is one tool the super-rich use to avoid paying their fair share. As Alexandra Sirota of the nonpartisan North Carolina Budget and Tax Center recently observed, however, it doesn't have to be that way. As she notes, there's a simple and […]

Mike Wills speaks to Professor Johan Fourie, economist at Stellenbosch University, to help us unpack the economic drivers behind this gambling boom and what South Africa can do to shift the culture toward more responsible financial decision-making. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5Follow us on social media:CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/CapeTalkCapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

     What drives someone to transition from aspiring Marine to a leading figure in military and federal healthcare? Dr. Leith States' journey is marked by pivotal moments, including a personal tragedy that redirected his path toward medicine. In a candid conversation, Dr. States shares his unique experiences, from attending Officer Candidate School with the Marines to serving as a Battalion Surgeon during Operation Enduring Freedom. Listeners will gain a deeper understanding of the essential role preventive medicine plays in military settings and how these high-stakes environments shape healthcare practices.    As Dr. States' career unfolds, his story exemplifies adaptability and leadership in both military and federal healthcare contexts. He reflects on leading a preventive medicine unit in the Pacific, where he effectively tackled communicable disease threats aboard the USS America. Such experiences laid the groundwork for his transition to federal healthcare roles, where collaboration and problem-solving across departments became key. Dr. States discusses the importance of building relationships in public health, offering insights into the challenges and successes of interagency cooperation.    The conversation takes a thoughtful turn as Dr. States addresses public health innovations and mental health support for veterans. With marijuana rescheduling proposals and the exploration of psychedelic-assisted therapies, he provides an informed perspective on these evolving areas. Dr. States passionately advocates for comprehensive mental health care and emphasizes the need for stigma reduction and resilience-building among veterans. His reflections on leadership, personal growth, and legacy inspire listeners to pursue meaningful careers while maintaining a commitment to service and growth. Chapters: (00:04) Military Medicine Journey of Dr. States (13:14) Preventive Medicine and Federal Healthcare (20:38) Public Health Service and Interagency Collaboration (31:27) Mental Health Support for Veterans (38:30) Psychedelic Therapy for Veterans (49:25) Leadership, Personal Growth, and Legacy   Chapter Summaries: (00:04) Military Medicine Journey of Dr. States     Dr. Leith States' journey from military family to Navy preventive medicine physician, including his experience in combat and reflections on leadership and service.   (13:14) Preventive Medicine and Federal Healthcare    Nature's challenges in preventive medicine, interagency collaboration, and transitioning from military to public health roles.   (20:38) Public Health Service and Interagency Collaboration    Rescheduling marijuana in the US from Schedule I to III, role of US Public Health Service, collaboration with other agencies.   (31:27) Mental Health Support for Veterans     Stakeholder engagement, legislative processes, data evaluation, mental health support for veterans, community role, resources for PTSD.   (38:30) Psychedelic Therapy for Veterans     Veteran healthcare faces challenges in opioid alternatives and mental health treatment, with efforts for trust-building and exploring psychedelic therapies.   (49:25) Leadership, Personal Growth, and Legacy     Assuming best intentions, meeting people where they are, learning from failure, and leaving a positive legacy.   HOW TO WATCH Check out the full episode featuring Dr. States on our YouTube channel: https://youtu.be/QTjkw0lKWAk   Take Home Messages: Transformative Journeys and Career Shifts: The episode highlights the inspiring journey of a military medicine leader who transitioned from an aspiring Marine to a significant figure in military and federal healthcare. His path was shaped by personal experiences, such as witnessing a friend's severe illness, which redirected him towards a career in medicine. This story underscores the power of personal experiences in influencing career choices and the impact of transformative journeys on professional development. The Role of Preventive Medicine in Military Contexts: Preventive care is emphasized as a crucial component of military medicine, particularly in maintaining the health and readiness of warfighters. The episode delves into the unique challenges faced in delivering healthcare in combat zones and how preventive measures are essential for mission success. It also highlights how military experiences can prepare individuals for leadership roles in public health by developing skills like adaptability and problem-solving. Public Health Advancements and Interagency Collaboration: The discussion touches on significant public health initiatives, such as the rescheduling of marijuana to facilitate research and the role of the U.S. Public Health Service in addressing systemic health challenges. The importance of interagency collaboration, particularly between military and federal entities, is underscored as vital for managing public health emergencies and improving healthcare delivery. Mental Health Support for Veterans: The episode explores the evolving landscape of mental health resources for veterans, including innovative therapies like psychedelic-assisted treatments as alternatives to opioids. It emphasizes the need for comprehensive care, community support, and ongoing engagement with stakeholders to ensure effective mental health outcomes for veterans, highlighting the challenges of scaling and accessibility. Leadership, Legacy, and Personal Growth: The episode concludes with reflections on leadership and personal growth, advocating for resilience, trust-building, and learning from both successes and failures. The importance of assuming best intentions, building trust, and choosing challenging paths for long-term success is highlighted, along with the significance of leaving a lasting legacy through service and personal values.   Episode Keywords: military medicine, veteran healthcare, preventive care, public health leadership, mental health support, psychedelic therapy, healthcare innovation, veteran resilience, combat medicine, leadership legacy, Dr. Leith States, military aspirant, federal healthcare, veteran mental health, Operation Enduring Freedom, RIMPAC, marijuana rescheduling, PTSD treatment, Navy preventive medicine, USS America, veteran mental health resources    Hashtags: #wardocs #military #medicine #podcast #MilMed #MedEd #MilitaryMedicine #VeteranHealthcare #PreventiveCare #PublicHealthLeadership #MentalHealthSupport #PsychedelicTherapy #HealthcareInnovation #VeteranResilience #CombatMedicine #LeadershipLegacy      Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission is to honor the legacy, preserve the oral history, and showcase career opportunities, unique expeditionary experiences, and achievements of Military Medicine. We foster patriotism and pride in Who we are, What we do, and, most importantly, How we serve Our Patients, the DoD, and Our Nation.   Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm   WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called "Docs" as a sign of respect, trust, and confidence on and off the battlefield,demonstrating dedication to the medical care of fellow comrades in arms.     Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast  

QuickBooks is making inventory accessible to Simple Start and Essentials users with a new standalone $40/month module, while simultaneously upgrading their Square connector with faster transaction processing and sales tax tracking. Matthew and Alicia dive into the details of these changes, explore the underutilized Mineral HR platform that comes free with premium payroll, and preview the upcoming AI agents and new dashboard interface rolling out this fall.Sponsors(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:59) - QuickBooks Inventory Module Update (10:11) - New Square Connector Features (16:22) - Mineral HR Platform Overview (20:55) - Updating Employee Handbooks (23:30) - Algorithm for Personalized Suggestions (24:43) - Navigating Client Subscriptions (25:19) - Future Features and Revenue Share (28:11) - AI Agents and Upcoming Features (31:09) - New QuickBooks Dashboard (37:11) - Training and Resources for New Interface (39:44) - Conclusion and Final Thoughts Resources LinkedIn Group: https://www.linkedin.com/groups/14630719/YouTube Channel: https://www.youtube.com/@UnofficialQuickBooksPodcastEmail: unofficialquickbookspodcast@gmail.comQuickBooks Toolkit for Accountants: http://digitalasset.intuit.com/render/content/dam/intuit/sbsegcs/en_us/quickbooks-online-accountant/documents/Accountants-Toolkit-FY25.pdf?cid=dig_fus_mof_fotf_qbo_na_inlk_testid_eng_usIntuit Connect: Intuit Connect: The premier accounting eventFirm of the Future Article about Inventory Changes: https://www.firmofthefuture.com/product-update/june-2025-mpu/#labelsIn the Know Handout: https://drive.google.com/file/d/19_buvOkw2MfHzMepQQLjiKiB5mLsSpf2/view?usp=share_linkPartner Council applications are now open:https://www.firmofthefuture.com/partner-council/partner-council-applications-open/Alicia and Matthew:Alicia's QBO Hands-on Training course: http://royl.ws/QBO-complete?affiliate=5393907QB Power Hour: Join Matthew “Spot” Fulton and Dan Delong live every other Tuesday at 9:00am PST | 12:00pm EST https://www.qbpowerhour.com/QB Community Live Facebook Group: https://www.facebook.com/groups/qbcommunityliveConnect with Matthew: https://facebook.com/spotycushttps://youtube.com/parkwayinchttps://instagram.com/spotycushttps://twitter.com/spotycushttps://www.linkedin.com/in/parkwayinc/

DOJ Leader suggested violating court orders, whistle-blower says; UNLV students say Gov. Lombardo's recent veto is a 'slap in the face'; Montana group lifts queer and transgender resilience with latest zine; Jackson advocates fight water rate hike amid unresolved infrastructure crisis; Tax incentive cuts could stall rural Alaska green power.

With Matt on vacation this week, Robert is the solo host. On this week's episode we dig deeper into the state budget battle with three well positioned guests. First we welcome Peegy Wirtz-Olsen, the President of WEAC, to discuss the devastating consequences of proposed GOP cuts to public education and why her union and organizing groups such as Citizen Action are calling on the Governor to veto a bad budget.. Next, we are joined by Senator Kelda Roys, a member of the powerful Joint Finance Committee with an inside view of the process, to explain the stakes in this year's budget battle and why Republicans abruptly stopped work on the budget last week. Finally, Senator Chris Larson joins Kelda and Robert to discuss how the combination of the Governor's veto power and the new leverage Senate Democrats have with a divided Republican Senate Caucus to win a better state budget on health care, education, child care, and criminal justice reform.

In this session I got insights from Shamubeel Eaqub the Chief Economist at Simplicity on a huge variety of topics - the economy, mountains, measuring value, wars, the working poor, superannuation, public forums for discussion, social cohesion, butter prices - we covered a lot!  Who might you tag in or share this with?  I also describe my new book The Circle: Careers with Impact which is a free download available now!   The Economy Made Simple, podcast with Shamubeel Eaqub here Podcast - Money Made Simple | Simplicity Charities Information Hub Charities in New Zealand | Parry Field Lawyers Careers with Impact page and download of new book The Circle: Careers with Impact - Seeds Charities and Tax paper PARRY-FIELD-Charities-and-Tax.pdf About Money Sweetspot mentioned in this About Us | Debt Consolidation Lenders | Money Sweetspot IOD article on Orders of Consciousness Governance and orders of consciousness: a different leadership lens | IoD NZ For more content visit www.theseeds.nz 

DOJ Leader suggested violating court orders, whistle-blower says; UNLV students say Gov. Lombardo's recent veto is a 'slap in the face'; Montana group lifts queer and transgender resilience with latest zine; Jackson advocates fight water rate hike amid unresolved infrastructure crisis; Tax incentive cuts could stall rural Alaska green power.

Rebecca Driscoll, CPA, Co-founder of The Collaboration Room, walks through her unconventional journey into public accounting, highlighting her transition from working at a large firm to establishing her own CAS and Tax practice. Rebecca elaborates on the significant life changes that motivated her to pursue a different career trajectory.  Emphasized in this episode is the significance of internal CAS practices and the key role coaching plays in assisting firm owners to develop sustainable firms. Rebecca also encourages listeners to think about their goals and desired lifestyle, and how that can be aligned with their career paths. To find out more about transforming your business model, explore our business model transformation resources at aicpa-cima.com/tybm. You'll also see a link there to all of our previous podcast episodes. This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments welcomed at podcast@aicpa-cima.com    

This episode of The Power of Zero Show revolves around a recent Ray Dalio video in which he issued warnings about the U.S. debt crisis. In the clip, Dalio appears to be giving America three years to get their act together and to right the fiscal ship of state. Dalio mentions the draft of his new book that goes through the mechanics of the debt – and highlights the supply-demand problem he believes will occur if the deficit doesn't go from the current 7.2% of GDP to about 3% of GDP. Dalio touches upon what people should do when there isn't an adequate supply-demand balance. He believes that looking back at history will show you that the current problems are the results of history repeating itself. A recession isn't the one thing Dalio is afraid of… the breakdown of the monetary order is!  Host David McKnight talks about the bid other countries may have on the U.S. fiscal debt, as well as the related crisis of confidence of sorts. According to a recent Penn Wharton study, if the U.S. doesn't right their fiscal ship of state by 2040, no combination of raising taxes and/or reducing spending will arrest the financial collapse of the nation. David believes that in the next 10 to 15 years, the U.S. is likely to need huge infusions of capital to avoid a financial collapse, the likes of which we haven't seen since the Great Depression. What should you do? If you have the lion's share of your Retirement Savings, IRAs or 401(k)s, you need to act now while tax rates are historically low. Since we're on the cusp of Trump extending his tax cuts for another 8 years, it's important to know that, if you count 2025, we'll have historically-low tax rates for another 9 years. David is in favor of taking action before tax rates increase, also because he believes that, come 2034, tax rates aren't going to simply revert back to what they were in 2017. If the American fiscal ship doesn't get right on time, we could go back to seeing high tax rates that were part of the past – such as 94% in the last two years of World War II, or 89% as it was throughout the entire decade of the 70s.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ray Dalio Penn Wharton

Fed Chair Jerome Powell says future trade deals may allow the Federal Reserve to cut interest rates.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:18 Sponsor: iTrust Capital00:55 Hearing01:10 Powell flinched?01:50 Powell: Tariffs are to blame for not cutting03:05 Incoming trade deals03:50 Housing market05:10 No cuts this year?06:04 Polymarket06:33 Powell playing politics06:50 Sen. Moreno rips Powell on inflation08:27 Trump: interviewing candidates to replace Powell10:23 Tariffs not helping budget11:37 Powell: Stablecoin bill has matured13:05 Tax bill delay13:45 Perfect Storm14:16 Paul called it15:16 Outro#Crypto #Bitcoin #federalreserve ~Jerome Powell Signals Rate Cut?

The Power of Personal Branding - "A personal brand opens the doors you didn't even knock on. It goes ahead of you, it generates referrals, opportunities, invitations. It's the currency for influence, isn't it? And that's what accelerates your program." - Rob BrownWe have a truly special guest. Rob Brown is a global authority in the accounting industry and someone whose journey is as inspiring as it is unconventional. Rob went from being a high school math teacher in Yorkshire, England, to becoming a bestselling author, TEDx speaker, and the host of the Accounting Influence podcast. He's made a name for himself by helping highly skilled professionals master the power of personal branding and visibility in their careers.We discuss the importance of building your reputation. Why being technically skilled isn't enough if you want to stand out, and how intentional networking and authenticity can transform your professional journey. Rob shares his own story, shaped by his working-class background, what drove him to strike out on his own, and how he discovered the knack for bringing out brilliance in others who may not see it in themselves.You'll hear us discuss the hesitations so many of us have around self-promotion, what holds back entrepreneurs and accountants alike, and why making yourself visible in a crowded marketplace doesn't have to mean being cringey or salesy. Rob offers practical insights you can act on. Whether you're starting out solo or looking to scale your business and make a bigger impact.So if you're ready for an honest, inspiring conversation full of British wit, actionable ideas, and a fresh look at what it takes to build your brand from the inside out, you won't want to miss this episode. Empowering Moments00:00 "Mastering Visibility and Branding"05:31 From Teaching to Business Success09:57 Embracing Entrepreneurial Uncertainty12:41 Choosing Teaching in Northern England16:13 Education System Fails Entrepreneurs17:11 Education Lacks Practical Life Skills21:27 "Teachers' Impact and Humility"25:44 People Over Companies: Trust Matters26:59 "Crafting Your Personal Brand"30:10 Now's the Best Time34:09 Accountants' Challenge: Balancing Promises39:09 Find Your Unique Strengths42:43 Network Building Through Online Outreach46:34 Define Your Desired Legacy47:56 Crafting Personal Brand Strategy52:18 Crafting Thought Leadership Content54:31 Legacy Focused on Family HappinessThis episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Top 3 Takeaways for Entrepreneurs & Professionals:Your Authentic Brand Starts With You: Before building a public persona, define what you truly want people to say about you. Your reputation is shaped by intentional branding, not by accident.Network Intentionally, Not Accidentally: Building relationships isn't just about showing up; it's about asking better questions, having meaningful conversations, and nurturing trust that leads to real opportunities.Showcase, Don't Shy Away: If you're great at what you do, it's not bragging—it's “ethical bragging.” Don't be afraid to shine a light on your strengths and success stories;...

Steve Forbes calls out the Federal Reserve for its refusal to reduce interest rates due to its animus against President Trump, who attacks Chair Jerome Powell routinely—and explains why DOGE-like massive reforms are required to put the central bank back on course.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As Benjamin Franklin famously said, “In this world, nothing is certain except death and taxes.” But for online business owners, taxes aren't always so certain, especially when it comes to sales tax. In this episode, we're joined by Jessica Rhoads. Jessica is an internationally experienced CPA and self-confessed “dumpster fire accountant” who specializes in helping business owners untangle messy tax situations. We cover the key types of taxes every entrepreneur should understand, and zoom in on the one that's most commonly misunderstood, and most likely to derail a future exit: sales tax. Jessica breaks down how sales tax applies to non-tangible goods like SaaS products and apps, what triggers a sales tax nexus, and why ignoring it can lead to massive headaches during due diligence. She also shares insight on the best and worst states to set up your business from a tax standpoint, when to file a Voluntary Disclosure Agreement (VDA), and how to stay compliant if you're selling across borders. If you're building a business with the goal of selling one day, this episode is a must-listen. It could save you from tax troubles that scare off buyers, or cost you more than you bargained for. Topics Discussed in this episode: The different types of taxes businesses should be aware of (03:45) Why sales tax is so important when selling your business (06:49) How sales tax is applied to software and apps (11:43) An overview of sales tax nexus (17:30) The different tax softwares that can help you figure out your taxes (19:50) The best and worst states to set up your business in (23:07) How to stay compliant if you have sales tax nexus (28:16) How tax works if you're selling in foreign countries (30:37) When to file a VDA (33:56) A major misconception founders have about sales tax that hurts them later (39:39) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our weekly newsletter Jessicanomics.com Sit back, grab a coffee, and learn how to get your business taxes in order - before it's too late.  

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/What does it take to build a million-dollar credit repair business from nothing?Well, today, we're getting the answer from a very special guest. Meet Diamond Brown, CEO and founder of Diamonds Luxury Credit. Diamond went from humble beginnings to building a million-dollar credit repair business in just a few years. In this episode, she shares her incredible journey, from losing her job to becoming the first millionaire in her family, and how she used consumer law, marketing strategies, and sheer grit to transform her business and the lives of her clients.Tune in! Key Takeaways:00:00 Intro 01:48 Receiving the Millionaires Club Award 07:20 Getting Into Credit Repair11:51 Scoring Her First Clients 15:21 Starting Her Own Business20:43 Building a Team 23:04 Most Impactful Client Stories 25:20 Diamond's Tax and Insurance Companies 28:32 Getting the Most Out of Social Media32:06 The Secret to Getting Reviews and Referrals 36:21 Biggest Marketing Mistakes Credit Heroes Make38:06 Exposing Credit Sweeps40:44 Diamond's Favorite Credit Repair Strategies 47:45 Rapid Fire Questions50:39 OutroAdditional Resources:Diamond on Facebook: https://www.facebook.com/diamond.brown.821408/Diamond on Instagram: https://www.instagram.com/db_thabiggest/Diamond's website: https://www.diamondsluxuryfinancialservices.com/Get a free trial to Credit Repair CloudGet my free credit repair training  From Immigrant to Credit Repair Millionaire w/ Rolando NunezMake sure to subscribe so you stay up to date with our latest episodes.

SPONSOR: BRUNT Workwear - Brunt didn’t just make a durable work boot – they reinvented comfort for the hardest workers out there. The Marin boots by Brunt are lightweight, waterproof, slip and oil resistant—and somehow, they’re still as comfortable as throwing on a pair of old sneakers. There’s no break-in period. No blisters. Just boots that are built for real work, and built to last. For a limited time, our listeners get $10 off at Brunt by using code “RICK” at checkout. Just head to https://www.BruntWorkwear.com and use code “RICK”, and you’re all set. Even better, Brunt lets you try all their products on the job, and all their products have free shipping. And and tell them The Rick Burgess Show sent you! Go to https://www.BruntWorkwear.com and use the code “RICK” SPONSOR: Bank On Yourself - Discover a better way to grow and protect your money! Bank On Yourself is the proven retirement plan alternative banks and Wall Street desperately hope you never hear about. It gives you guaranteed, predictable growth and retirement income. Tax-free retirement income. You’ll know your tax rate in retirement: ZERO, under current tax law, which protects you from the coming tax tsunami. You’re in control. You get access to your money for emergencies AND opportunities with NO questions asked! There are NO government penalties or restrictions on how much or when you can take it. And when you use your money, it keeps growing like you never touched it! You can get a FREE report that reveals how you can Bank On Yourself and enjoy tax-free retirement income, guaranteed growth, and control of your money. Just go to https://www.BankOnyYourself.com/RBS and get your free report.See omnystudio.com/listener for privacy information.

SPONSOR: BRUNT Workwear - Brunt didn’t just make a durable work boot – they reinvented comfort for the hardest workers out there. The Marin boots by Brunt are lightweight, waterproof, slip and oil resistant—and somehow, they’re still as comfortable as throwing on a pair of old sneakers. There’s no break-in period. No blisters. Just boots that are built for real work, and built to last. For a limited time, our listeners get $10 off at Brunt by using code “RICK” at checkout. Just head to https://www.BruntWorkwear.com and use code “RICK”, and you’re all set. Even better, Brunt lets you try all their products on the job, and all their products have free shipping. And and tell them The Rick Burgess Show sent you! Go to https://www.BruntWorkwear.com and use the code “RICK” SPONSOR: Bank On Yourself - Discover a better way to grow and protect your money! Bank On Yourself is the proven retirement plan alternative banks and Wall Street desperately hope you never hear about. It gives you guaranteed, predictable growth and retirement income. Tax-free retirement income. You’ll know your tax rate in retirement: ZERO, under current tax law, which protects you from the coming tax tsunami. You’re in control. You get access to your money for emergencies AND opportunities with NO questions asked! There are NO government penalties or restrictions on how much or when you can take it. And when you use your money, it keeps growing like you never touched it! You can get a FREE report that reveals how you can Bank On Yourself and enjoy tax-free retirement income, guaranteed growth, and control of your money. Just go to https://www.BankOnyYourself.com/RBS and get your free report.See omnystudio.com/listener for privacy information.

Send us a textDr. Amanda Thompson shares her experience with the monthly accounting membership program and how it has transformed her business finance management from chaotic Excel spreadsheets to organized QuickBooks mastery.• Starting a business without business education background creates financial management challenges• Excel spreadsheets work initially but become problematic as businesses grow• Computer crashes can destroy financial records when not properly backed up• QuickBooks provides powerful tools but requires guidance to use effectively• Monthly accounting meetings create accountability for regular bookkeeping• Regular reconciliation prevents year-end accounting nightmares• Professional help managing issues like bank fraud can prevent accounting disasters• Clean books throughout the year make tax season significantly less stressful• Monthly accounting program often saves businesses more money than it costs• Confidence in financial management allows business owners to focus on their expertise• Tax projections help business owners prepare properly for quarterly estimated payments• Type A business owners benefit from structured financial management systemsWant to grab one of our monthly spots? EMAIL us @ carson@sandsco.netYou can also book a discovery call with us HERE to see if it's a good fit for you!Check out Rooted Physical Therapy at rootedphysicaltherapyllc.com or find Dr. Amanda on Instagram!Create a STAN Store - Click here to try it out!Here's where you can find us! Follow along on Instagram for lots of free content for business owners daily!Shop our business guides!Our Instagram PageOur family page

In this episode, we're joined by real estate expert Danny Gould, who shares powerful strategies on how to legally reduce your tax bill and grow your wealth through smart real estate investing. Whether you're a beginner or an experienced investor, this conversation covers the practical frameworks you need to optimize your finances in 2025 and beyond.If you've been looking for a way to keep more of what you earn and make your money work for you—legally and effectively— then head over to The Landsharks Program for more.---------Show notes:(0:44) Beginning of today's episode(2:31) How does Danny thrive in 2025(5:30) The five stages of awareness in investors(6:32) Income and network qualifications(8:29) Tax advantages for real estate investing (8:48) Alternative investing (9:52) Depreciation and how it works(15:00) Limited partnership structure (18:03) How to become an active income investor----------Resources:The Gouldmine Podcast with Danny GouldDanny Gould on InstagramTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?