Podcasts about underwrite

In this episode of the Small Axe Podcast, we're diving into one of the most important skills every multifamily investor needs to master: underwriting. Whether you're analyzing your first apartment deal or your hundredth, underwriting is the foundation of making smart investment decisions. But here's the catch—it's both incredibly important and inherently imperfect. A pro forma is only a projection, so the goal isn't perfection. The goal is making the best decisions possible with the information you have. In this episode, I walk you through my underwriting process from start to finish, including: How to create a buy box that saves you time What to look for in a rent roll, T-12, and offering memorandum How I build a realistic pro forma Why taxes and insurance can make or break a deal How financing impacts your underwriting Where to find reliable market data and expense benchmarks Why conservative exit assumptions matter When it's time to make an offer—and when it's time to move on If you want to become a better multifamily investor, this episode will help you analyze deals with more confidence and avoid some of the costly mistakes that trip up new investors. If you're interested in learning more, check out my Buy Buildings, Build Empires course and the Multifamily Deal Blade underwriting tool at: https://stan.store/buybuildings Remember, it only takes a small axe to build a lasting empire.

TODAY'S DAILY SPONSOR: Morning Mindset listener JOHN is supporting this episode in honor of a friend who is battling brain cancer, (and all people) fighting cancer >>> If you would like to sponsor an episode of the Morning Mindset, you can do so in your name, anonymously, and even in memory of someone. Go to https://MorningMindsetMedia.com/dailysponsor to find out more!  

TODAY'S DAILY SPONSOR: LISTENER, CATHY: This donation in honor of my son Justin who introduced me to The Morning Mindset. God Bless >> If you would like to sponsor an episode of the Morning Mindset, you can do so in your name, anonymously, and even in memory of someone. Go to https://MorningMindsetMedia.com/dailysponsor to find out more.  

TODAY'S DAILY SPONSOR: Today’s episode is sponsored by listener Glenda, who is celebrating her 70th birthday. She says, “T o God be the Glory! Thank you for the morning mindset. It encourages me in my daily walk with God.” >>> If you would like to sponsor an episode of the Morning Mindset, you can do so in your name, anonymously, and even in memory of someone. Go to https://MorningMindsetMedia.com/dailysponsor to find out more!  

TODAY'S DAILY SPONSOR: ANONYMOUS LISTENER: I want to praise God for his abiding mercy and show gratitude for the people like you who share his good news and keep people connected to his word  Become a Daily Sponsor: https://MorningMindsetMedia.com/dailysponsor  

In this episode, Eric Chen shares his journey from a young immigrant to a top multifamily real estate broker and investor. We discuss strategies for success in real estate, underwriting, managing risks, and future opportunities in California's housing market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ BECOME A MONTHLY PARTNER: (not tax-deductible) You can find out how to become a monthly partner including how to receive your "thank you" gift - our bonus podcast called "Digging Deeper." Go to: https://mm-partners.supercast.com/  ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Joel 2:28–29 - “And it shall come to pass afterward, that I will pour out my Spirit on all flesh; your sons and your daughters shall prophesy, your old men shall dream dreams, and your young men shall see visions. [29] Even on the male and female servants in those days I will pour out my Spirit. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

In this episode, Spencer Thomas shares his journey from military service to real estate investing, highlighting how his expertise in deal analysis, AI integration, and networking has propelled his success. Discover actionable strategies for scaling your real estate business, managing risks, and leveraging technology to stay ahead in a competitive market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ ⇒Check out all of Carey's books - for adults and kids, fiction and non-fiction : https://CareyGreen.com/books ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Ezekiel 36:25–27 - I will sprinkle clean water on you, and you shall be clean from all your uncleannesses, and from all your idols I will cleanse you. [26] And I will give you a new heart, and a new spirit I will put within you. And I will remove the heart of stone from your flesh and give you a heart of flesh. [27] And I will put my Spirit within you, and cause you to walk in my statutes and be careful to obey my rules. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

Leo Young is the founder and managing partner of Cornell Communities, a private equity real estate firm revitalizing manufactured housing communities across eight states. He studied finance in college, then moved into sales at Tesla to build the communication skills he knew he was missing, working his way up to top regional salesperson before leaving to pursue real estate full time. After earning his real estate license, working in brokerage, and investing passively in apartments, Leo launched his own firm. Cornell Communities acquires and operates middle market mobile home parks, expanding access to affordable housing while delivering risk managed returns to accredited investors.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Stack skills deliberately, since finance, sales, and operations compound over a career Vet the operator harder than the pro forma, because execution drives returns Buy in the middle market where institutions with cheaper capital are not competing Underwrite infrastructure first, since older parks carry hidden CapEx risk Create value through expense discipline and rent normalization, not unit renovations     Topics From Finance to Tesla Sales Leo studied finance but could not hold a presentation or speak in front of a room He joined Tesla to fix that weakness and became the top regional salesperson Why He Left a Dream Job for Real Estate Sales income required constant output and did not build lasting wealth A first passive apartment investment and distribution check convinced him to go all in Manufactured Homes vs. Mobile Homes Manufactured housing is the legal term tied to federal HUD construction standards Roughly 20 million Americans live in these communities, across a wide quality range Buying in the Middle Market Institutions and REITs with cheaper capital absorb the top quality assets Leo targets workable properties where his team can execute a clear value add What He Underwrites First Infrastructure leads: water, sewer lines, and roads on parks 50 to 70 years old Purchase price, location, and regulations follow, then his own team bandwidth How He Vets Sponsors as a Limited Partner Most decks oversell the property and undersell the team He asks for case studies and how the sponsor responds when a deal goes wrong Why the Economics Work Residents own their homes, which lowers the operating expense ratio and lifts NOI Heavy land improvement creates more depreciable value in a cost segregation study Lot rents sit at the low end of the housing market, so demand stays strong The Two Main Value Levers Expenses: rebuild vendor contracts and move home and utility costs to residents Rent: normalize lot rents toward market while keeping the value proposition intact Site improvements like roads, fencing, signage, and lighting support resident relations Why Homes Rarely Move Relocating a home can cost $7,000 to $10,000 and risks damage in transit Most residents sell in place and cash in the equity they built Community and Retention Turnover runs near 5%, compared with roughly 50% in apartments Private yards and driveways make the setting closer to a subdivision than a building    

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: 2 Peter 1:19–21 - And we have the prophetic word more fully confirmed, to which you will do well to pay attention as to a lamp shining in a dark place, until the day dawns and the morning star rises in your hearts, [20] knowing this first of all, that no prophecy of Scripture comes from someone’s own interpretation. [21] For no prophecy was ever produced by the will of man, but men spoke from God as they were carried along by the Holy Spirit. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: 1 Samuel 16:13 - Then Samuel took the horn of oil and anointed him in the midst of his brothers. And the Spirit of the LORD rushed upon David from that day forward. And Samuel rose up and went to Ramah. (ESV) John 14:15–17 - “If you love me, you will keep my commandments. [16] And I will ask the Father, and he will give you another Helper, to be with you forever, [17] even the Spirit of truth, whom the world cannot receive, because it neither sees him nor knows him. You know him, for he dwells with you and will be in you. (ESV)  ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TELL SOMEONE ABOUT THE MORNING MINDSET - Your personal recommendation can make an eternal difference in the lives of the people you know! STEP ONE: Go to http://YourMorningMindset.com  STEP TWO: Share that page with someone you know! ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Numbers 11:24–25 - So Moses went out and told the people the words of the LORD. And he gathered seventy men of the elders of the people and placed them around the tent. [25] Then the LORD came down in the cloud and spoke to him, and took some of the Spirit that was on him and put it on the seventy elders. And as soon as the Spirit rested on them, they prophesied. But they did not continue doing it. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Get a copy of the MM Companion Journal: https://MorningMindsetMedia.com/journal ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Genesis 1:1–2 - In the beginning, God created the heavens and the earth. [2] The earth was without form and void, and darkness was over the face of the deep. And the Spirit of God was hovering over the face of the waters. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Join the MMM Prayer Team: https://MorningMindsetMedia.com/PrayerTeam ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: 2 Corinthians 13:14 - The grace of the Lord Jesus Christ and the love of God and the fellowship of the Holy Spirit be with you all. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ BECOME A MONTHLY PARTNER: (not tax-deductible) You can find out how to become a monthly partner including how to receive your "thank you" gift - our bonus podcast called "Digging Deeper." Go to: https://mm-partners.supercast.com/  ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: John 6:53–63 - So Jesus said to them, “Truly, truly, I say to you, unless you eat the flesh of the Son of Man and drink his blood, you have no life in you. [54] Whoever feeds on my flesh and drinks my blood has eternal life, and I will raise him up on the last day. [55] For my flesh is true food, and my blood is true drink. [56] Whoever feeds on my flesh and drinks my blood abides in me, and I in him. [57] As the living Father sent me, and I live because of the Father, so whoever feeds on me, he also will live because of me. [58] This is the bread that came down from heaven, not like the bread the fathers ate, and died. Whoever feeds on this bread will live forever.” [59] Jesus said these things in the synagogue, as he taught at Capernaum. [60] When many of his disciples heard it, they said, “This is a hard saying; who can listen to it?” [61] But Jesus, knowing in himself that his disciples were grumbling about this, said to them, “Do you take offense at this? [62] Then what if you were to see the Son of Man ascending to where he was before? [63] It is the Spirit who gives life; the flesh is no help at all. The words that I have spoken to you are spirit and life. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Listen to our other podcasts: https://MorningMindsetMedia.com ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Acts 7:51–53 - “You stiff-necked people, uncircumcised in heart and ears, you always resist the Holy Spirit. As your fathers did, so do you. [52] Which of the prophets did your fathers not persecute? And they killed those who announced beforehand the coming of the Righteous One, whom you have now betrayed and murdered, [53] you who received the law as delivered by angels and did not keep it.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

"This is why insurance is such a beautiful problem... there is no solution. There are only psychological or philosophical answers to it."What if the rising cost of health insurance is a deeply ingrained philosophical problem?My guest this week is Tom Stein, CEO of American Trust Administrators (ATA). But this episode isn't just a tactical breakdown of stop-loss and aggregate underwriting; it is a masterclass in the history, psychology, and economics of the U.S. healthcare system.Tom and I explore the deeply embedded Machiavellian forces that drive insurance carrier monopolies, and why small business owners often choose the "safe" option of a 97% fully-insured renewal simply out of a psychological fear of loss. We trace the origins of employer-sponsored care back to Henry Kaiser and WWII, discuss the ethics of "compulsion vs. choice" in taxation and single-payer models, and analyze whether the U.S. is currently in a "Fourth Turning" crisis phase of our healthcare delivery system.This is one of the most fascinating conversations you will hear all year. Tune in.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: The Philosophy of the Insurance Problem (00:01:35) The Illusion of Comfort: Why Employers Flee Responsibility (00:05:17) Breaking the System: When "Decent Men" Say Enough (00:08:05) The Psychology of Loss Aversion in Benefits Consulting (00:10:24) Are You a Serf or a Landlord? The Risk of Self-Funding (00:13:08) The "Marshmallow Test" and Delayed Gratification in Business (00:19:42) Tom's Background and the Origins of Level-Funding (00:23:39) Level-Funding a 5-Life Group: The Hard Way to Underwrite (00:30:56) The Fascinating History of U.S. Employer-Sponsored Healthcare (00:35:13) Machiavelli, Trust, and the "Brother Rule" of Business (00:41:09) Are We in the "Fourth Turning" of Healthcare? (00:45:54) How AI Will Bring Deeper Value to Client Relationships (00:49:40) Subsidizing Medicare: The Hidden Tax on Commercial Plans (00:53:35) Milton Friedman's Four Types of Money and the State (01:00:01) The Morality of Healthcare Bankruptcies (01:04:27) The Crisis of Meaning and "Earned Leisure" (01:08:23) Closing Thoughts: The Optimism of the Next GenerationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"This is why insurance is such a beautiful problem... there is no solution. There are only psychological or philosophical answers to it."What if the rising cost of health insurance is a deeply ingrained philosophical problem?My guest this week is Tom Stein, CEO of American Trust Administrators (ATA). But this episode isn't just a tactical breakdown of stop-loss and aggregate underwriting; it is a masterclass in the history, psychology, and economics of the U.S. healthcare system.Tom and I explore the deeply embedded Machiavellian forces that drive insurance carrier monopolies, and why small business owners often choose the "safe" option of a 97% fully-insured renewal simply out of a psychological fear of loss. We trace the origins of employer-sponsored care back to Henry Kaiser and WWII, discuss the ethics of "compulsion vs. choice" in taxation and single-payer models, and analyze whether the U.S. is currently in a "Fourth Turning" crisis phase of our healthcare delivery system.This is one of the most fascinating conversations you will hear all year. Tune in.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: The Philosophy of the Insurance Problem (00:01:35) The Illusion of Comfort: Why Employers Flee Responsibility (00:05:17) Breaking the System: When "Decent Men" Say Enough (00:08:05) The Psychology of Loss Aversion in Benefits Consulting (00:10:24) Are You a Serf or a Landlord? The Risk of Self-Funding (00:13:08) The "Marshmallow Test" and Delayed Gratification in Business (00:19:42) Tom's Background and the Origins of Level-Funding (00:23:39) Level-Funding a 5-Life Group: The Hard Way to Underwrite (00:30:56) The Fascinating History of U.S. Employer-Sponsored Healthcare (00:35:13) Machiavelli, Trust, and the "Brother Rule" of Business (00:41:09) Are We in the "Fourth Turning" of Healthcare? (00:45:54) How AI Will Bring Deeper Value to Client Relationships (00:49:40) Subsidizing Medicare: The Hidden Tax on Commercial Plans (00:53:35) Milton Friedman's Four Types of Money and the State (01:00:01) The Morality of Healthcare Bankruptcies (01:04:27) The Crisis of Meaning and "Earned Leisure" (01:08:23) Closing Thoughts: The Optimism of the Next GenerationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Ephesians 4:30 - And do not grieve the Holy Spirit of God, by whom you were sealed for the day of redemption. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TODAY'S DAILY SPONSOR:     You can sponsor a daily episode of the Morning Mindset too, by going to https://MorningMindsetMedia.com/DailySponsor ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Hebrews 3:7–11 - Therefore, as the Holy Spirit says, “Today, if you hear his voice, [8] do not harden your hearts as in the rebellion, on the day of testing in the wilderness, [9] where your fathers put me to the test and saw my works for forty years. [10] Therefore I was provoked with that generation, and said, ‘They always go astray in their heart; they have not known my ways.’ [11] As I swore in my wrath, ‘They shall not enter my rest.’” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 28:18–20 - And Jesus came and said to them, “All authority in heaven and on earth has been given to me. [19] Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, [20] teaching them to observe all that I have commanded you. And behold, I am with you always, to the end of the age.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TODAY'S DAILY SPONSOR:     You can sponsor a daily episode of the Morning Mindset too, by going to https://MorningMindsetMedia.com/DailySponsor ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Psalm 139:7–10 - [7] Where shall I go from your Spirit? Or where shall I flee from your presence? [8] If I ascend to heaven, you are there! f I make my bed in Sheol, you are there! [9] If I take the wings of the morning and dwell in the uttermost parts of the sea, [10] even there your hand shall lead me, and your right hand shall hold me. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TELL SOMEONE ABOUT THE MORNING MINDSET - Your personal recommendation can make an eternal difference in the lives of the people you know! STEP ONE: Go to http://YourMorningMindset.com  STEP TWO: Share that page with someone you know! ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: John 14:16–17 - And I will ask the Father, and he will give you another Helper, to be with you forever, [17] even the Spirit of truth, whom the world cannot receive, because it neither sees him nor knows him. You know him, for he dwells with you and will be in you. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Get a copy of the MM Companion Journal: https://MorningMindsetMedia.com/journal ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Acts 5:1–11 - But a man named Ananias, with his wife Sapphira, sold a piece of property, [2] and with his wife’s knowledge he kept back for himself some of the proceeds and brought only a part of it and laid it at the apostles’ feet. [3] But Peter said, “Ananias, why has Satan filled your heart to lie to the Holy Spirit and to keep back for yourself part of the proceeds of the land? [4] While it remained unsold, did it not remain your own? And after it was sold, was it not at your disposal? Why is it that you have contrived this deed in your heart? You have not lied to man but to God.” [5] When Ananias heard these words, he fell down and breathed his last. And great fear came upon all who heard of it. [6] The young men rose and wrapped him up and carried him out and buried him. [7] After an interval of about three hours his wife came in, not knowing what had happened. [8] And Peter said to her, “Tell me whether you sold the land for so much.” And she said, “Yes, for so much.” [9] But Peter said to her, “How is it that you have agreed together to test the Spirit of the Lord? Behold, the feet of those who have buried your husband are at the door, and they will carry you out.” [10] Immediately she fell down at his feet and breathed her last. When the young men came in they found her dead, and they carried her out and buried her beside her husband. [11] And great fear came upon the whole church and upon all who heard of these things. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Join the MMM Prayer Team: https://MorningMindsetMedia.com/PrayerTeam ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Acts 1:3-11 - He presented himself alive to them after his suffering by many proofs, appearing to them during forty days and speaking about the kingdom of God. [4] And while staying with them he ordered them not to depart from Jerusalem, but to wait for the promise of the Father, which, he said, “you heard from me; [5] for John baptized with water, but you will be baptized with the Holy Spirit not many days from now.” [6] So when they had come together, they asked him, “Lord, will you at this time restore the kingdom to Israel?” [7] He said to them, “It is not for you to know times or seasons that the Father has fixed by his own authority. [8] But you will receive power when the Holy Spirit has come upon you, and you will be my witnesses in Jerusalem and in all Judea and Samaria, and to the end of the earth.” [9] And when he had said these things, as they were looking on, he was lifted up, and a cloud took him out of their sight. [10] And while they were gazing into heaven as he went, behold, two men stood by them in white robes, [11] and said, “Men of Galilee, why do you stand looking into heaven? This Jesus, who was taken up from you into heaven, will come in the same way as you saw him go into heaven.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

Episode 800 brings the show full circle. Tryfon Christoforou was the very first guest on this podcast, back when it was still Target Market Insights and his brokerage was little more than himself, his partner, and one other agent. Today 3CRE runs 42 agents and brokers, and Tryfon returns to break down how he reads the Cincinnati market, how investors can identify strong markets and submarkets anywhere, and how to build and scale a team that performs in any economy.   Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Diversify across asset types so a soft class does not stall your business Let national retailers do the market research, then follow where they build Invest in landlord-friendly states with employment spread across many companies Underwrite conservatively, because cheap debt no longer hides mistakes Hire people who add value, then stay humble enough to let them lead     Topics Returning to the Show and Building 3CRE Tryfon co-founded the partnership with Mike Costantini 14 years ago and went fully independent a decade ago The firm now spans multifamily, retail, office, industrial, business brokering, asset management, residential, and capital markets The team has grown to 42 agents and brokers Why Cincinnati Still Offers Value Prices have doubled or tripled in 14 years but remain well below coastal and Sun Belt markets Newer product rents at roughly $1.50 to $2 per square foot, versus $3 to $4 in cities like Austin and Nashville A white-collar base including Procter & Gamble, GE Aviation, Fifth Third, and Great American supports steady housing demand Submarkets Worth Watching The Norwood and Montgomery Road corridor stays his top pick, with development running from Hyde Park to Oakley to Pleasant Ridge Eastern suburbs such as Loveland, Milford, and Clermont County are drawing new development, partly behind a new Purina plant National retailers like Wawa opening in Silverton signal where growth is heading Reading Any Market From a Distance Track population and household income trends, since falling demographics eventually pull prices down Favor landlord-friendly states with faster, cleaner eviction processes Prefer economies supported by many employers rather than one or two A Harder Market for Operators and Brokers Cheap COVID-era debt let weak underwriting still cash flow, and that cushion is gone Larger multifamily is slow to trade while 10 to 20 unit deals are moving quickly Lenders have turned risk-averse, and some banks have paused commercial lending entirely Why Diversification Wins Specialists in each asset type let the firm follow demand as trends shift New development increasingly blends multifamily with retail and office to spread risk Investors are treating real estate like a diversified portfolio rather than a single bet    

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ BECOME A MONTHLY PARTNER: (not tax-deductible) You can find out how to become a monthly partner including how to receive your "thank you" gift - our bonus podcast called "Digging Deeper." Go to: https://mm-partners.supercast.com/  ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 28:16–20 - Now the eleven disciples went to Galilee, to the mountain to which Jesus had directed them. [17] And when they saw him they worshiped him, but some doubted. [18] And Jesus came and said to them, “All authority in heaven and on earth has been given to me. [19] Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, [20] teaching them to observe all that I have commanded you. And behold, I am with you always, to the end of the age.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Listen to our other podcasts: https://MorningMindsetMedia.com ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 27:11–14 - Now Jesus stood before the governor, and the governor asked him, “Are you the King of the Jews?” Jesus said, “You have said so.” [12] But when he was accused by the chief priests and elders, he gave no answer. [13] Then Pilate said to him, “Do you not hear how many things they testify against you?” [14] But he gave him no answer, not even to a single charge, so that the governor was greatly amazed. (ESV) Matthew 27:27–31 - Then the soldiers of the governor took Jesus into the governor’s headquarters, and they gathered the whole battalion before him. [28] And they stripped him and put a scarlet robe on him, [29] and twisting together a crown of thorns, they put it on his head and put a reed in his right hand. And kneeling before him, they mocked him, saying, “Hail, King of the Jews!” [30] And they spit on him and took the reed and struck him on the head. [31] And when they had mocked him, they stripped him of the robe and put his own clothes on him and led him away to crucify him. (ESV) Matthew 27:35–44 - And when they had crucified him, they divided his garments among them by casting lots. [36] Then they sat down and kept watch over him there. [37] And over his head they put the charge against him, which read, “This is Jesus, the King of the Jews.” [38] Then two robbers were crucified with him, one on the right and one on the left. [39] And those who passed by derided him, wagging their heads [40] and saying, “You who would destroy the temple and rebuild it in three days, save yourself! If you are the Son of God, come down from the cross.” [41] So also the chief priests, with the scribes and elders, mocked him, saying, [42] “He saved others; he cannot save himself. He is the King of Israel; let him come down now from the cross, and we will believe in him. [43] He trusts in God; let God deliver him now, if he desires him. For he said, ‘I am the Son of God.’” [44] And the robbers who were crucified with him also reviled him in the same way. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ ⇒Check out all of Carey's books - for adults and kids, fiction and non-fiction : https://CareyGreen.com/books ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 26:26–29 - Now as they were eating, Jesus took bread, and after blessing it broke it and gave it to the disciples, and said, “Take, eat; this is my body.” [27] And he took a cup, and when he had given thanks he gave it to them, saying, “Drink of it, all of you, [28] for this is my blood of the covenant, which is poured out for many for the forgiveness of sins. [29] I tell you I will not drink again of this fruit of the vine until that day when I drink it new with you in my Father’s kingdom.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 25:31–46 - “When the Son of Man comes in his glory, and all the angels with him, then he will sit on his glorious throne. [32] Before him will be gathered all the nations, and he will separate people one from another as a shepherd separates the sheep from the goats. [33] And he will place the sheep on his right, but the goats on the left. [34] Then the King will say to those on his right, ‘Come, you who are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world. [35] For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me, [36] I was naked and you clothed me, I was sick and you visited me, I was in prison and you came to me.’ [37] Then the righteous will answer him, saying, ‘Lord, when did we see you hungry and feed you, or thirsty and give you drink? [38] And when did we see you a stranger and welcome you, or naked and clothe you? [39] And when did we see you sick or in prison and visit you?’ [40] And the King will answer them, ‘Truly, I say to you, as you did it to one of the least of these my brothers, you did it to me.’ [41] “Then he will say to those on his left, ‘Depart from me, you cursed, into the eternal fire prepared for the devil and his angels. [42] For I was hungry and you gave me no food, I was thirsty and you gave me no drink, [43] I was a stranger and you did not welcome me, naked and you did not clothe me, sick and in prison and you did not visit me.’ [44] Then they also will answer, saying, ‘Lord, when did we see you hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to you?’ [45] Then he will answer them, saying, ‘Truly, I say to you, as you did not do it to one of the least of these, you did not do it to me.’ [46] And these will go away into eternal punishment, but the righteous into eternal life.” (ESV)  ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 25:14–30 - “For it will be like a man going on a journey, who called his servants and entrusted to them his property. [15] To one he gave five talents, to another two, to another one, to each according to his ability. Then he went away. [16] He who had received the five talents went at once and traded with them, and he made five talents more. [17] So also he who had the two talents made two talents more. [18] But he who had received the one talent went and dug in the ground and hid his master’s money. [19] Now after a long time the master of those servants came and settled accounts with them. [20] And he who had received the five talents came forward, bringing five talents more, saying, ‘Master, you delivered to me five talents; here, I have made five talents more.’ [21] His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ [22] And he also who had the two talents came forward, saying, ‘Master, you delivered to me two talents; here, I have made two talents more.’ [23] His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ [24] He also who had received the one talent came forward, saying, ‘Master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed, [25] so I was afraid, and I went and hid your talent in the ground. Here, you have what is yours.’ [26] But his master answered him, ‘You wicked and slothful servant! You knew that I reap where I have not sown and gather where I scattered no seed? [27] Then you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest. [28] So take the talent from him and give it to him who has the ten talents. [29] For to everyone who has will more be given, and he will have an abundance. But from the one who has not, even what he has will be taken away. [30] And cast the worthless servant into the outer darkness. In that place there will be weeping and gnashing of teeth.’ (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TELL SOMEONE ABOUT THE MORNING MINDSET - Your personal recommendation can make an eternal difference in the lives of the people you know! STEP ONE: Go to http://YourMorningMindset.com  STEP TWO: Share that page with someone you know! ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 25:1–13 - “Then the kingdom of heaven will be like ten virgins who took their lamps and went to meet the bridegroom. [2] Five of them were foolish, and five were wise. [3] For when the foolish took their lamps, they took no oil with them, [4] but the wise took flasks of oil with their lamps. [5] As the bridegroom was delayed, they all became drowsy and slept. [6] But at midnight there was a cry, ‘Here is the bridegroom! Come out to meet him.’ [7] Then all those virgins rose and trimmed their lamps. [8] And the foolish said to the wise, ‘Give us some of your oil, for our lamps are going out.’ [9] But the wise answered, saying, ‘Since there will not be enough for us and for you, go rather to the dealers and buy for yourselves.’ [10] And while they were going to buy, the bridegroom came, and those who were ready went in with him to the marriage feast, and the door was shut. [11] Afterward the other virgins came also, saying, ‘Lord, lord, open to us.’ [12] But he answered, ‘Truly, I say to you, I do not know you.’ [13] Watch therefore, for you know neither the day nor the hour. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Get a copy of the MM Companion Journal: https://MorningMindsetMedia.com/journal ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 24:9–14 - “Then they will deliver you up to tribulation and put you to death, and you will be hated by all nations for my name’s sake. [10] And then many will fall away and betray one another and hate one another. [11] And many false prophets will arise and lead many astray. [12] And because lawlessness will be increased, the love of many will grow cold. [13] But the one who endures to the end will be saved. [14] And this gospel of the kingdom will be proclaimed throughout the whole world as a testimony to all nations, and then the end will come. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Join the MMM Prayer Team: https://MorningMindsetMedia.com/PrayerTeam ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 23:16–22 - “Woe to you, blind guides, who say, ‘If anyone swears by the temple, it is nothing, but if anyone swears by the gold of the temple, he is bound by his oath.’ [17] You blind fools! For which is greater, the gold or the temple that has made the gold sacred? [18] And you say, ‘If anyone swears by the altar, it is nothing, but if anyone swears by the gift that is on the altar, he is bound by his oath.’ [19] You blind men! For which is greater, the gift or the altar that makes the gift sacred? [20] So whoever swears by the altar swears by it and by everything on it. [21] And whoever swears by the temple swears by it and by him who dwells in it. [22] And whoever swears by heaven swears by the throne of God and by him who sits upon it. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ BECOME A MONTHLY PARTNER: (not tax-deductible) You can find out how to become a monthly partner including how to receive your "thank you" gift - our bonus podcast called "Digging Deeper." Go to: https://mm-partners.supercast.com/  ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 23:11–15 - The greatest among you shall be your servant. [12] Whoever exalts himself will be humbled, and whoever humbles himself will be exalted. [13] “But woe to you, scribes and Pharisees, hypocrites! For you shut the kingdom of heaven in people’s faces. For you neither enter yourselves nor allow those who would enter to go in. [15] Woe to you, scribes and Pharisees, hypocrites! For you travel across sea and land to make a single proselyte, and when he becomes a proselyte, you make him twice as much a child of hell as yourselves. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Listen to our other podcasts: https://MorningMindsetMedia.com ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 22:1–14 - And again Jesus spoke to them in parables, saying, [2] “The kingdom of heaven may be compared to a king who gave a wedding feast for his son, [3] and sent his servants to call those who were invited to the wedding feast, but they would not come. [4] Again he sent other servants, saying, ‘Tell those who are invited, “See, I have prepared my dinner, my oxen and my fat calves have been slaughtered, and everything is ready. Come to the wedding feast.”’ [5] But they paid no attention and went off, one to his farm, another to his business, [6] while the rest seized his servants, treated them shamefully, and killed them. [7] The king was angry, and he sent his troops and destroyed those murderers and burned their city. [8] Then he said to his servants, ‘The wedding feast is ready, but those invited were not worthy. [9] Go therefore to the main roads and invite to the wedding feast as many as you find.’ [10] And those servants went out into the roads and gathered all whom they found, both bad and good. So the wedding hall was filled with guests. [11] “But when the king came in to look at the guests, he saw there a man who had no wedding garment. [12] And he said to him, ‘Friend, how did you get in here without a wedding garment?’ And he was speechless. [13] Then the king said to the attendants, ‘Bind him hand and foot and cast him into the outer darkness. In that place there will be weeping and gnashing of teeth.’ [14] For many are called, but few are chosen.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ ⇒Check out all of Carey's books - for adults and kids, fiction and non-fiction : https://CareyGreen.com/books ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 21:33–46 - “Hear another parable. There was a master of a house who planted a vineyard and put a fence around it and dug a winepress in it and built a tower and leased it to tenants, and went into another country. [34] When the season for fruit drew near, he sent his servants to the tenants to get his fruit. [35] And the tenants took his servants and beat one, killed another, and stoned another. [36] Again he sent other servants, more than the first. And they did the same to them. [37] Finally he sent his son to them, saying, ‘They will respect my son.’ [38] But when the tenants saw the son, they said to themselves, ‘This is the heir. Come, let us kill him and have his inheritance.’ [39] And they took him and threw him out of the vineyard and killed him. [40] When therefore the owner of the vineyard comes, what will he do to those tenants?” [41] They said to him, “He will put those wretches to a miserable death and let out the vineyard to other tenants who will give him the fruits in their seasons.” [42] Jesus said to them, “Have you never read in the Scriptures: “‘The stone that the builders rejected has become the cornerstone; this was the Lord’s doing, and it is marvelous in our eyes’? [43] Therefore I tell you, the kingdom of God will be taken away from you and given to a people producing its fruits. [44] And the one who falls on this stone will be broken to pieces; and when it falls on anyone, it will crush him.” [45] When the chief priests and the Pharisees heard his parables, they perceived that he was speaking about them. [46] And although they were seeking to arrest him, they feared the crowds, because they held him to be a prophet. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource) ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 21:28–32 - “What do you think? A man had two sons. And he went to the first and said, ‘Son, go and work in the vineyard today.’ [29] And he answered, ‘I will not,’ but afterward he changed his mind and went. [30] And he went to the other son and said the same. And he answered, ‘I will, sir,’ but did not go. [31] Which of the two did the will of his father?” They said, “The first.” Jesus said to them, “Truly, I say to you, the tax collectors and the prostitutes go into the kingdom of God before you. [32] For John came to you in the way of righteousness, and you did not believe him, but the tax collectors and the prostitutes believed him. And even when you saw it, you did not afterward change your minds and believe him. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TODAY'S DAILY SPONSOR: An anonymous listener is sponsoring this episode of the Morning Mindset, grateful for the podcast.   You can sponsor a daily episode of the Morning Mindset too, by going to https://MorningMindsetMedia.com/DailySponsor ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 21:1–5 -  Now when they drew near to Jerusalem and came to Bethphage, to the Mount of Olives, then Jesus sent two disciples, [2] saying to them, “Go into the village in front of you, and immediately you will find a donkey tied, and a colt with her. Untie them and bring them to me. [3] If anyone says anything to you, you shall say, ‘The Lord needs them,’ and he will send them at once.” [4] This took place to fulfill what was spoken by the prophet, saying, [5] “Say to the daughter of Zion, ‘Behold, your king is coming to you, humble, and mounted on a donkey, on a colt, the foal of a beast of burden.’” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ TELL SOMEONE ABOUT THE MORNING MINDSET - Your personal recommendation can make an eternal difference in the lives of the people you know! STEP ONE: Go to http://YourMorningMindset.com  STEP TWO: Share that page with someone you know! ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 20:20–23 - Then the mother of the sons of Zebedee came up to him with her sons, and kneeling before him she asked him for something. [21] And he said to her, “What do you want?” She said to him, “Say that these two sons of mine are to sit, one at your right hand and one at your left, in your kingdom.” [22] Jesus answered, “You do not know what you are asking. Are you able to drink the cup that I am to drink?” They said to him, “We are able.” [23] He said to them, “You will drink my cup, but to sit at my right hand and at my left is not mine to grant, but it is for those for whom it has been prepared by my Father.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Get a copy of the MM Companion Journal: https://MorningMindsetMedia.com/journal ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 20:1–16 - “For the kingdom of heaven is like a master of a house who went out early in the morning to hire laborers for his vineyard. [2] After agreeing with the laborers for a denarius a day, he sent them into his vineyard. [3] And going out about the third hour he saw others standing idle in the marketplace, [4] and to them he said, ‘You go into the vineyard too, and whatever is right I will give you.’ [5] So they went. Going out again about the sixth hour and the ninth hour, he did the same. [6] And about the eleventh hour he went out and found others standing. And he said to them, ‘Why do you stand here idle all day?’ [7] They said to him, ‘Because no one has hired us.’ He said to them, ‘You go into the vineyard too.’ [8] And when evening came, the owner of the vineyard said to his foreman, ‘Call the laborers and pay them their wages, beginning with the last, up to the first.’ [9] And when those hired about the eleventh hour came, each of them received a denarius. [10] Now when those hired first came, they thought they would receive more, but each of them also received a denarius. [11] And on receiving it they grumbled at the master of the house, [12] saying, ‘These last worked only one hour, and you have made them equal to us who have borne the burden of the day and the scorching heat.’ [13] But he replied to one of them, ‘Friend, I am doing you no wrong. Did you not agree with me for a denarius? [14] Take what belongs to you and go. I choose to give to this last worker as I give to you. [15] Am I not allowed to do what I choose with what belongs to me? Or do you begrudge my generosity?’ [16] So the last will be first, and the first last.” (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com   

To become a follower of Jesus, visit: https://MorningMindsetMedia.com/MeetJesus  (NOT a Morning Mindset resource)   ⇒ Join the MMM Prayer Team: https://MorningMindsetMedia.com/PrayerTeam ➖➖➖➖➖➖➖➖➖➖ TODAY'S SCRIPTURE: Matthew 19:27–30 - Then Peter said in reply, “See, we have left everything and followed you. What then will we have?” [28] Jesus said to them, “Truly, I say to you, in the new world, when the Son of Man will sit on his glorious throne, you who have followed me will also sit on twelve thrones, judging the twelve tribes of Israel. [29] And everyone who has left houses or brothers or sisters or father or mother or children or lands, for my name’s sake, will receive a hundredfold and will inherit eternal life. [30] But many who are first will be last, and the last first. (ESV) ➖➖➖➖➖➖➖➖➖➖ FINANCIALLY SUPPORT THE MORNING MINDSET: (not tax-deductible) -- Become a monthly partner: https://mm-gfk-partners.supercast.com/ -- Underwrite one daily episode: https://MorningMindsetMedia.com/daily-sponsor/ -- Give one-time: https://give.cornerstone.cc/careygreen -- Venmo: @CareyNGreen ➖➖➖➖➖➖➖➖➖➖ FOREIGN LANGUAGE VERSIONS OF THIS PODCAST: Subscribe to the SPANISH version: https://MorningMindsetMedia.com/Spanish Subscribe to the CHINESE version: https://MorningMindsetMedia.com/Chinese ➖➖➖➖➖➖➖➖➖➖ CONTACT: Carey@careygreen.com