Podcasts about Urban Institute

Jason Green was serving in the Obama White House when a phone call from his mother sent him home to sit with his grandmother in the hospital — and into a story he never knew was his. In this conversation, we talk about the hidden history of Quince Orchard, a Black community founded after emancipation, and three segregated churches that chose to merge in 1968 after Dr. King's assassination. We explore remembrance before reconciliation, the communal strength of the Black church, breaking cycles of harm, and what it actually costs to build resilient, integrated community in a divided time. If you're asking where we go from here — chaos or community — this episode is for you.Jason G. Green is a Maryland-born community organizer, attorney, entrepreneur, and storyteller whose work sits at the intersection of economic opportunity, community trust-building, and democratic renewal. He is the author of the forthcoming book Too Precious to Lose (One World | Penguin Random House, 2026), an intimate narrative that blends a personal, community history with a broader call to repair the connections that bind us together.Green served as Special Assistant to the President and Associate White House Counsel to President Obama, advising on domestic and economic policy during the recovery from the Great Recession. He later co-founded SkillSmart, a pioneering workforce and economic-impact software company that has helped quantify more than $100 billion in economic development activity and supported a talent pipeline of more than 50,000 skilled workers across the United States.He is the President and CEO of EverGreen Labs, a strategy studio that helps organizations deepen stakeholder alignment, improve market positioning, and drive measurable business outcomes. Green previously served as Executive-in-Residence at Zeal Capital Partners, supporting early-stage companies focused on the future of work, financial technology, and health equity.A civic leader deeply committed to history, memory, and reconciliation, Green is a trustee of the Pleasant View Historic Association and a founding commissioner and former chair of the Montgomery County Commission on Remembrance and Reconciliation. His award-winning PBS documentary, Finding Fellowship, explores the intertwined Black and white history of Quince Orchard and the community-led fight to preserve its legacyGreen has served several corporate and nonprofit boards, including Daivergent, Flare, Clear Impact, Per Scholas, the Arena, the Washington University Alumni Board of Governors and Regional Cabinet, and the Yale Law School Executive Committee and is a non-resident fellow at the Urban Institute. He holds a J.D. from Yale Law School and a B.A. from Washington University in St. Louis.His work—spanning technology, public service, storytelling, and community leadership—is rooted in a belief that our shared future depends on our capacity to connect and build together. Green currently lives in Dallas, Texas, with his wife Ritu and their son Aidan.Jason's Book:Too Precious to LoseJason's Recommendation:Great ExpectationsConnect with Joshua: jjohnson@shiftingculturepodcast.comGo to www.shiftingculturepodcast.com to interact and donate. Every donation helps to produce more podcasts for you to enjoy.Follow on Facebook, Instagram, Twitter, ThreaGet Your Sidekick Support the show

Host Brian Walsh takes up ImpactAlpha's top stories with Jessica Pothering, Dennis Price and Roodgally Senatus. Up this week: Jessica reports from Cape Town on how Africa's mining industry is leveraging global demand for critical minerals; Dennis shares takeaways from his panel at the Urban Institute on what's next for place-based investing (12:15); and, Roody reports from Philadelphia on Kensington residents are fostering neighborhood revival without gentrification and displacement (20:15).Story links:"Demand for critical minerals creates new opportunities to put Africa first," by Jessica PotheringDennis' Urban Institute panel."In Philadelphia, Kensington Corridor Trust demonstrates a neighborhood-led model of revival without displacement,” by Roodgally Senatus

Host Brian Walsh takes up ImpactAlpha's top stories with Jessica Pothering, Dennis Price and Roodgally Senatus. Up this week: Jessica reports from Cape Town on how Africa's mining industry is leveraging global demand for critical minerals; Dennis shares takeaways from his panel at the Urban Institute on what's next for place-based investing (12:15); and, Roody reports from Philadelphia on Kensington residents are fostering neighborhood revival without gentrification and displacement (20:15).Story links:"⁠Demand for critical minerals creates new opportunities to put Africa first⁠," by Jessica Pothering⁠Dennis' Urban Institute panel⁠."⁠In Philadelphia, Kensington Corridor Trust demonstrates a neighborhood-led model of revival without displacement⁠,” by Roodgally Senatus

This week we put the tragic events and courageous resistance to tyranny in the Twin Cities in the context of our failing democracy. A new report from the Urban Institute shows that Wisconsin has fallen behind other states in income over the past 50 years, especially compared to our neighbors in Minnesota and Illinois. How does the failure of Wisconsin's economic policy relate to the vulnerability of democracy? We assess the role of the Democratic Primary for Governor, and the active involvement of organized groups such as Citizen Action of Wisconsin, in charting a new policy course that truly addresses the income and affordability crisis. We also give a detailed update of the data center controversies across the state. We invite all Battleground Wisconsin listeners to attend Citizen Action's Governor Forums in La Crosse, Eau Claire, Wausau, Green Bay, and Milwaukee.

New models of collective power are emerging in neighborhoods where residents have always found ways to support one another, even as economic systems excluded and extracted.  In this sponsored episode with the Center for Cultural Innovation and its AmbitioUS initiative, which commissioned a report by the Urban Institute, local leaders share models from Atlanta and New Orleans that bring financial freedom and self-determination to artists and their communities.  “This work is to provide proof of concept that new worlds are possible, that new economic systems are possible, and that they already exist,” said Christopher Audain, Program Officer at AmbitioUS.  In an example from Atlanta, The Guild founder Nikishka Iyengar describes a hybrid land-trust and community-stewardship model that's keeping housing and commercial space affordable while allowing residents to invest collectively.  “This is not a stepping stone to become an extractive investor,” said Iyengar. “This is a stepping stone to reorient our relationship to land, to each other, to finance, to all of that.” Meanwhile, Cooperation New Orleans organizers Toya Ex and Tamah Yisrael are part of a network of worker cooperatives formalizing long-standing traditions of mutual aid into a solidarity economy.  “There is a large idea that the capitalist economy is the only way, and time after time history has proven to us that it is not,” said Yisrael, who helped establish Cooperation New Orleans' loan fund to support small businesses. “People often do a lot of different things to make a way, even when the capitalist system don't allow us to make a way,” says Ex, who is also the founder of Project Hustle. The report on community ownership and self-determination strategies also includes lessons on democratic investment from Boston Ujima Project and on land stewardship from the Sogorea Te' Land Trust in Lisjan Territory, showing why shared values and ownership are powerful counters to a disempowering economic system. Learn more about your ad choices. Visit megaphone.fm/adchoices

Can Therapists Start a Union? The Antitrust Trap, the Shadow Committee, and the Economic Strangulation of American Psychotherapy Analyzing America's Healthcare Regulations and Their Effect on Us: Why the Law Prevents Therapists from Organizing While Allowing a Private Committee to Fix Prices for the Entire Medical System https://gettherapybirmingham.com/can-therapists-start-a-union-spoiler-alert-they-cant/ The Monthly Rage Thread If you hang around therapist forums long enough, you will see it happen. It operates with the regularity of the tides. Someone posts a thread, usually after receiving a contract from an insurance company offering 1998 rates for 2025 work, and asks the obvious question: “We are the ones providing the care. The system collapses without us. Why don't we just all go on strike? Why don't we form a union and demand fair pay?” It is a logical question. In almost every other sector of the economy, workers who feel exploited band together to negotiate better terms. Screenwriters shut down Hollywood to get paid for streaming residuals. Auto workers walk off the line. Teachers fill the state capitol. Nurses at major hospital systems have successfully unionized and won significant concessions. So why, in the midst of a national mental health crisis, does the mental health workforce remain so politically impotent? The answer is not that we lack will. It is not that we lack organization. The answer is that for private practice therapists, forming a union is a federal crime. This is not a political manifesto. It is an analysis of the bizarre regulatory environment that governs American healthcare, a system of antitrust laws, shadow committees, and bureaucratic classifications that effectively strips clinicians of their bargaining power while empowering the corporations that pay them. If you want to understand why corporate tech monopolies are ruining therapy, or why the corporatization of healthcare feels so suffocating, you have to understand the legal straitjacket we are all wearing. And you have to understand the one group that is allowed to set prices, the one group exempt from the rules that bind the rest of us. Part I: You Are Not a Worker, You Are a Standard Oil Tycoon The primary reason therapists cannot unionize dates back to the era of oil barons and railroad tycoons. The Sherman Antitrust Act of 1890 was designed to prevent massive corporations like Standard Oil from colluding to fix prices and destroy the free market. It prohibits “every contract, combination… or conspiracy, in restraint of trade.” The law was a response to genuine abuses: companies buying up competitors, dividing territories, and coordinating prices to gouge consumers who had no alternatives. Here is the catch: In the eyes of the federal government, a private practice therapist is not a “worker.” You are a business entity. Even if you are a solo practitioner struggling to pay rent in a subleased office, seeing clients between crying in your car and eating lunch at your desk, the law views you as the CEO of a micro-corporation. You are classified as a 1099 independent contractor, not a W-2 employee, and that distinction makes all the difference in the world. If two workers at Starbucks talk about their wages and agree to ask for a raise, that is “collective bargaining,” which is protected by the National Labor Relations Act. But if two private practice therapists talk about their reimbursement rates and agree to ask Blue Cross for a raise, that is “price-fixing.” It is legally indistinguishable, in the eyes of the Federal Trade Commission, from gas stations conspiring to raise the price of unleaded. It sounds absurd, but the FTC takes it deadly seriously. When independent contractors organize to demand higher rates, when they share information about what they are being paid and coordinate their responses, they are engaging in horizontal price-fixing, one of the most serious violations of antitrust law. The Sherman Act provides for criminal penalties, including fines and imprisonment. The law that was meant to break up monopolies is now used to prevent social workers from asking for a cost-of-living adjustment. The irony is crushing. The same regulatory framework that prevents two therapists from discussing their rates allows massive insurance conglomerates to merge repeatedly, concentrating buyer power in fewer and fewer hands. UnitedHealth Group, for example, has acquired dozens of companies over the past two decades, becoming the largest healthcare company in the United States. When they offer a “take it or leave it” contract to providers, they do so with the full knowledge that fragmented, legally prohibited from organizing therapists have no counter-leverage. The antitrust laws, designed to prevent monopoly power, have created a system where sellers are atomized and buyers are consolidated. Economists call this “monopsony,” and it is precisely the market distortion the Sherman Act was supposed to prevent. Part II: The Day the “Learned Profession” Died For a long time, doctors and lawyers thought they were exempt from these laws. They argued that they were “learned professions,” not mere tradespeople, and therefore above the grubby laws of commerce. They believed that their ethical obligations to patients and clients set them apart from the rules that governed steel mills and meatpacking plants. Medicine was a calling, not a business, and surely the government would not regulate the sacred doctor-patient relationship as if it were a commercial transaction. That illusion was shattered in 1975 by the Supreme Court case Goldfarb v. Virginia State Bar. The case involved lawyers, not doctors, but its implications cascaded through every licensed profession in America. The Goldfarbs were purchasing a home and needed a title examination. The Virginia State Bar had established a minimum fee schedule for such services, and every lawyer they contacted quoted the exact same price. They sued, arguing that this fee schedule was illegal price-fixing. The Supreme Court agreed. In a unanimous decision, the Court ruled that professional services, including legal and medical advice, are “trade or commerce” subject to antitrust laws. The “learned profession” exemption, which had been assumed but never explicitly established in law, was declared a myth. “The nature of an occupation, standing alone,” the Court wrote, “does not provide sanctuary from the Sherman Act.” This ruling was intended to lower prices for consumers by preventing lawyers from setting minimum fees, and in that narrow sense it was a good thing. But in healthcare, it had a catastrophic side effect: it made it illegal for doctors and therapists to band together to resist the pricing power of insurance companies. The “learned profession” exemption is dead. We are now just businesses, and businesses are not allowed to hold hands. This creates the illusion of progress: we have “free market” competition among providers, but monopsony power among payers. It is a market where the sellers are forbidden from organizing, but the buyers are allowed to merge until they are too big to fail. The result is not a free market at all. It is a market designed to transfer wealth from one class (providers) to another (insurers and administrators), with the law itself serving as the enforcement mechanism. Part III: The Cartel in the Basement If therapists cannot collude to set prices, surely nobody else can, right? Wrong. There is one group in American healthcare that is allowed to meet in a room, decide what every doctor's time is worth, and set prices for the entire industry. It is called the RUC, the AMA/Specialty Society Relative Value Scale Update Committee. And understanding the RUC is the key to understanding why talk therapy is dying in the medical model, why psychiatrists abandoned the couch for the prescription pad, and why your insurance company offers you a ghost network of providers who never answer the phone. The Birth of a Shadow Government To comprehend the current crisis in mental health economics, one must excavate the foundations of the physician payment system. Prior to 1992, Medicare reimbursed physicians based on a system known as “Customary, Prevailing, and Reasonable” charges. Under this system, physicians were paid based on their historical billing charges. It was inherently inflationary; it rewarded those who raised their fees most aggressively and created wide geographic disparities for identical services. In response to spiraling costs, Congress passed the Omnibus Budget Reconciliation Act of 1989, mandating a transition to a fee schedule based on the resources required to provide a service. This birthed the Resource-Based Relative Value Scale. The intellectual architecture for this system was developed by a team of economists at Harvard University, led by William Hsiao. Hsiao's team sought to create a “unified theory” of medical value, attempting to quantify the “work” involved in disparate medical acts, comparing the cognitive intensity of a psychiatric evaluation with the technical skill of a hernia repair. The Harvard study was revolutionary. It promised to level the playing field, suggesting that cognitive services, the thinking and talking that comprises primary care and mental health, were vastly undervalued relative to surgical procedures. Had Hsiao's original recommendations been implemented purely, the income gap between generalists and specialists might have narrowed significantly. But the administrative complexity of assigning values to over 7,000 Current Procedural Terminology codes overwhelmed the Health Care Financing Administration. Into this administrative vacuum stepped the American Medical Association. The AMA, fearing that the government would unilaterally set prices, proposed a “partnership.” They would convene a committee of experts to maintain and update the relative values, providing this labor-intensive service to the government at no cost. The government accepted. Thus, in 1991, the RUC was born, not as a government agency, but as a private advisory body with unparalleled influence over public funds. The Architecture of Control The RUC's claim to legitimacy rests on its status as an “expert panel.” But a structural analysis of its composition reveals a profound bias that mimics the governance of a cartel designed to protect incumbent interests. The committee consists of 32 members, but power is concentrated in the 29 voting seats. Of these, 21 seats are appointed by major national medical specialty societies. The distribution is not proportional to the volume of services provided to Medicare beneficiaries, nor is it proportional to the physician workforce. Instead, it is frozen in a historical moment that favored high-technology specialties. Primary care physicians, who perform roughly 45 to 50 percent of Medicare work, hold approximately 4 to 5 seats, giving them about 17 percent of the vote. Procedural and surgical specialties, including surgery, radiology, and anesthesiology, hold 15 to 18 seats, giving them roughly 60 percent of the vote despite performing only 35 to 40 percent of Medicare work. The American Psychiatric Association holds a single seat. One seat. This lone representative must negotiate with a supermajority of specialists, neurosurgeons, cardiothoracic surgeons, radiologists, and ophthalmologists, whose financial interests are often diametrically opposed to the valuation of cognitive work. The cartel dynamic is enforced by a statutory requirement of budget neutrality. The Medicare Physician Fee Schedule is a zero-sum game. If the total relative value units projected for a given year exceed the budget, a “scaler” is applied to reduce the conversion factor, effectively cutting everyone's pay. Therefore, any proposal to increase the value of psychotherapy, which would increase the total RVU spend, effectively asks every surgeon in the room to take a pay cut to fund the raise for psychiatrists. Given that a two-thirds majority is required to pass a recommendation, the procedural bloc holds absolute veto power over any redistribution of wealth. The Secret Chamber A hallmark of cartel behavior is the restriction of information. For nearly two decades, the RUC operated in near-total secrecy. While recent years have seen minor concessions to transparency, such as the publication of vote totals, the core deliberative process remains opaque. RUC meetings are private. The public, the press, and even non-RUC physicians are largely barred from attending the deliberations where billions of tax dollars are allocated. Participants, including the specialty advisors who present data, must sign strict non-disclosure agreements. These agreements prevent them from discussing the specific tradeoffs, deals, or arguments made within the chamber. A former RUC participant described these agreements as “draconian,” designed to insulate the committee from public accountability. The Government Accountability Office and the Center for American Progress have noted the inherent conflict of interest. The individuals setting the prices are the same individuals who receive the payments. Unlike a regulatory agency, where officials are salaried and divested of industry assets, RUC members are practicing physicians whose personal incomes are directly tied to the decisions they make. This secrecy serves a functional purpose: it allows for “logrolling.” A representative from Orthopedics might support an inflated value for a Cardiology code in exchange for Cardiology's support on a Knee Replacement code. This “I'll scratch your back” dynamic creates an upward pressure on procedural values that excludes those outside the dominant coalition, specifically primary care and mental health. The Antitrust Shield Why has the Department of Justice not broken up this cartel? The legal shield is the Noerr-Pennington Doctrine. This Supreme Court doctrine establishes that private entities are immune from antitrust liability when they are petitioning the government. Because the RUC technically only “recommends” values to CMS (that is petitioning), and CMS “decides” (that is government action), the RUC is protected by the First Amendment right to petition. This legal loophole allows the RUC to operate with monopolistic characteristics without fear of prosecution, provided CMS continues to go through the motions of “reviewing” the recommendations. And CMS accepts those recommendations over 90 percent of the time. Because private insurance companies generally base their rates on Medicare, this private committee effectively sets the price of healthcare for the entire country. If independent therapists did this, if they gathered in a room and agreed on what their services should cost, they would face criminal prosecution. But because the RUC operates under the fiction of “advising” the government, it is protected. The same regulatory framework that criminalizes therapist solidarity provides cover for industry-wide price coordination by the most powerful medical specialties. Part IV: The Mechanics of Suppression To control a market, one must control its currency. In American medicine, that currency is the Relative Value Unit. Every medical service, from a 15-minute therapy session to a heart transplant, is assigned a total RVU value. This value is the sum of three components: the Work RVU, which accounts for physician time, technical skill, mental effort, and judgment; the Practice Expense RVU, which covers overhead costs like rent, staff, and equipment; and the Malpractice RVU, which reflects professional liability insurance costs. The Work RVU, which comprises roughly 50 to 55 percent of the total value, is determined by RUC surveys. When a code is flagged for review, the relevant specialty society distributes a survey to a sample of its members. These respondents are asked to estimate the time and intensity of the service compared to a “reference service.” This methodology violates several principles of statistical validity. The surveys are voluntary and distributed by the specialty societies themselves. The respondents are typically those most active in the society and most invested in maximizing reimbursement, advocates rather than neutral observers. The sample sizes are often shockingly small; RUC surveys frequently rely on fewer than 50 or 70 respondents to set the price for services performed millions of times annually. A sample of 30 orthopedic surgeons might determine the value of a procedure costing Medicare billions. The Time Arbitrage The most critical variable in the RUC equation is time. The Work RVU is conceptually derived from the formula: Work equals Time multiplied by Intensity. Therefore, inflating the time estimate is the most direct route to inflating the price. Independent studies by RAND and the Urban Institute, often using objective data like Operating Room logs, have consistently shown that the RUC overestimates the time required for surgical procedures. A procedure valued by the RUC as taking 60 minutes may, in reality, take 30 minutes. This creates an arbitrage opportunity. If a gastroenterologist can perform a “60-minute” colonoscopy in 20 minutes, they can effectively perform three procedures in the time allotted for one. They bill for three hours of work in one hour of real time. This “efficiency gain” is captured entirely by the physician as profit. Psychotherapy cannot utilize this arbitrage. CPT codes for psychotherapy are explicitly time-based in their definition. Code 90832 requires 16 to 37 minutes. Code 90834 requires 38 to 52 minutes. Code 90837 requires 53 minutes or more. A psychiatrist cannot perform a 60-minute therapy session in 20 minutes; doing so constitutes fraud. Therefore, the revenue of a psychotherapist is capped by the linear passage of time. They can sell, at maximum, roughly 8 to 10 units of labor per day. A proceduralist, aided by RUC-inflated time assumptions, can sell 20 or 30 units of “RUC time” in the same day. This structural discrepancy creates a widening income gap that no amount of “hard work” by the therapist can close. It is not a market failure. It is market design. The “Thinking” Penalty The RUC's bias is not merely structural; it is philosophical. The committee, dominated by surgeons and proceduralists, consistently values “doing things to people,” cutting, scanning, injecting, far more highly than “talking to people,” diagnosing, counseling, managing complex chronic conditions. This creates a regulatory environment that functions as a de facto wealth transfer from cognitive care to procedural care. In 2013, a major revision of psychiatry codes exposed this bias in stark relief. Previously, psychiatrists used codes that bundled the medical evaluation with the psychotherapy. The new system required psychiatrists to bill an E/M code for the medical management plus an “add-on” code for psychotherapy. While intended to improve transparency, this change exposed psychotherapy to the raw mechanics of the RUC's valuation bias. By isolating the “therapy” component, the committee could subject it to rigorous cross-specialty comparison. And the committee, dominated by surgeons, views “talking to a patient” as low-intensity work compared to “operating on a patient.” The economic signal was clear. This created the 15-minute med check culture not because psychiatrists stopped caring, but because the regulatory environment made relational care financial suicide. It effectively “illegalized” the practice of deep, slow psychiatry for anyone who wanted to take insurance. Part V: The “Messenger Model” and Other Legal Fictions When therapists ask about collective bargaining, lawyers will often point them to the only legal loophole available: the “Messenger Model.” In this model, a third party (the messenger) acts as an intermediary between a group of providers and an insurance company. The messenger takes the insurance company's offer and conveys it to each therapist individually. Each therapist must then make a unilateral, independent decision to accept or reject it. The messenger is strictly forbidden from negotiating. They cannot say, “The group rejects this.” They cannot say, “We want 10% more.” They cannot advise the therapists on what to do. They can only carry messages. This is why “Independent Practice Associations” are often toothless. In the 2008 case North Texas Specialty Physicians v. FTC, the Fifth Circuit Court of Appeals made clear that if an IPA actually tries to leverage its numbers to demand better rates, it violates antitrust laws. If it follows the messenger model, it has no leverage. It is a “heads I win, tails you lose” regulatory structure designed to protect payers, not providers. The only exception is “clinical integration,” where providers genuinely merge their practices, share infrastructure, and accept joint financial risk. But this requires substantial capital investment and essentially means ceasing to be an independent practitioner. It is a legal pathway available mainly to large physician groups and hospital systems, not to solo therapists working out of rented offices. Part VI: Market Distortions and the Flight to Cash When a cartel sets a price below the market equilibrium, suppliers exit the formal market. This is precisely what has happened in psychotherapy. Mental health providers generally have lower overhead than surgeons. They do not need MRI machines or sterile surgical suites. And they face high consumer demand; the national mental health crisis ensures a steady stream of people seeking services. This gives them an “exit option” that proceduralists do not have. They can refuse to accept insurance and operate as cash-only businesses. The statistics are stark. Nearly 50 percent of psychiatrists do not accept commercial insurance, compared to less than 10 percent of other specialists. A 2023 survey indicated that 64 percent of private practice therapists planned to increase their cash-pay rates. Research published in Health Affairs Scholar found that patients are 10.6 times more likely to go out-of-network for mental health care than for medical/surgical care. This mass exodus is a rational economic response to RUC-suppressed rates. If the RUC says an hour of therapy is worth $100 via the RVU-to-dollar conversion, but the market demand is willing to pay $250, the provider will leave the RUC-controlled sector. They are not abandoning their profession; they are abandoning a pricing regime that values their work at less than half its market rate. Ghost Networks The RUC's pricing failure creates “Ghost Networks,” directories filled with providers who are ostensibly “in-network” but are functionally inaccessible. They are either full, not accepting new patients, retired, have moved, or simply do not respond to inquiries from insurance-based patients because the administrative burden of prior authorizations and clawbacks outweighs the suppressed fee. This is not a “shortage” of providers in the absolute sense. There is no shortage of therapists in private practice. There is a shortage of therapists willing to work at the RUC-determined price point. The insurance directories are graveyards of phantom availability, creating the illusion of access where none exists. The Cost Paradox The central thesis of the RUC's defenders is that they “control costs.” By strictly managing RVUs, they claim to save taxpayer money. In psychotherapy, this logic backfires catastrophically. By suppressing reimbursement rates to a level that drives providers out of the network, the RUC forces patients into the cash market. The theoretical in-network cost might be a $20 copay with the insurer paying $100. The actual out-of-network cost is $250 cash out-of-pocket, paid in full by the patient. Thus, the “cost of therapy” for the consumer skyrockets. Therapy becomes a luxury good, accessible only to those with disposable income. For the poor and middle class, the “cost” is effectively infinite, because the service becomes inaccessible. The RUC's cost-control measure for the system becomes a cost-multiplier for the patient. It shifts the financial burden from the risk pool, where it belongs, to the individual, where it causes maximum harm. The Signal to Students The RUC sends powerful economic signals to medical students making career decisions. When a student observes that a dermatologist or radiologist can earn $500,000 working regular hours, while a psychiatrist earns $240,000 handling emotional trauma and on-call emergencies, while a primary care doctor earns even less, the choice is clear for those motivated by financial security. The undervaluation of cognitive codes discourages the best and brightest from entering mental health and primary care. The cartel's pricing structure creates a perpetual labor shortage in the fields most needed for public health, while creating a surplus in high-margin procedural specialties. We then wonder why there are not enough psychiatrists, why primary care is in crisis, why mental health access is collapsing. The answer is in the price signal, and the price signal is set by a committee of proceduralists meeting behind closed doors. The Hands Are Tied The question “Why can't therapists start a union?” is not just a labor question. It is a window into the broken soul of American healthcare. We have built a system where a secret committee of proceduralists can legally fix prices to favor surgery over therapy, but a group of social workers cannot band together to ask for a living wage. We have utilized laws meant to break up Standard Oil to break up the solidarity of caregivers. The same regulatory framework that criminalizes therapist coordination provides legal cover for industry-wide price coordination by the most powerful medical specialties. The result is a regulatory environment that drives doctors crazy, burns out therapists, and leaves patients navigating a fragmented, assembly-line system that was never designed to heal them. It was designed to process them. Until we confront the legal architecture of this system, the RUC, the Sherman Act, the 1099 trap, we will remain powerless to change it. And the reality of therapy is that quick fixes, whether in treatment or in policy, usually end up costing us more in the end. Some states are beginning to push back. New York and California have implemented strict network adequacy standards requiring mental health appointments within 10 business days. These regulations force insurers to expand their networks, which means they must attract providers, which means they must raise reimbursement rates above the RUC/Medicare floor. It is effectively a state-level override of the RUC cartel, forcing capital back into the mental health labor market. The Medicare Payment Advisory Commission has long advocated for stripping the RUC of its power, proposing the use of empirical data, tax returns, payroll records, practice invoices, to set values automatically. But these are patchwork solutions to a systemic problem. The fundamental issue remains: we have created a healthcare system that knows the price of everything and the value of nothing. We have engineered a system where the only way to survive is to stop acting like a healer and start acting like a factory. And we have wrapped this system in a legal framework that criminalizes resistance while protecting the status quo. The hands are tied. But at least now we can see the ropes. Bibliography For those interested in the primary sources and legal texts that underpin this analysis, the following external resources provide high-trust verification of the claims made above: Goldfarb v. Virginia State Bar, 421 U.S. 773 (1975): The Supreme Court decision that ended the “learned profession” exemption from antitrust laws. Read the Oyez Summary. The Sherman Antitrust Act (15 U.S.C. §§ 1–7): The foundational text of US antitrust law prohibiting restraint of trade. Read the Document at the National Archives. North Texas Specialty Physicians v. Federal Trade Commission (5th Cir. 2008): A key ruling establishing that independent physicians cannot collectively bargain on fees without financial integration. Read the Court Opinion. FTC/DOJ Statements of Antitrust Enforcement Policy in Health Care (1996): The federal guidelines explaining the “Messenger Model” and the narrow exceptions for clinical integration. Read the Guidelines (PDF). The RUC (AMA/Specialty Society RVS Update Committee): The AMA's own description of the committee structure and its role in valuing physician work. Visit the AMA RUC Page. “Special Deal” by Haley Sweetland Edwards (Washington Monthly, 2013): An investigative deep-dive into how the RUC operates and its impact on primary care vs. specialty pay. Read the Investigation. The National Labor Relations Act (NLRA): The law governing the right to unionize, which specifically excludes independent contractors. Read the NLRA. Laugesen, Miriam J. Fixing Medical Prices: How Physicians Are Paid. Harvard University Press, 2016. The definitive scholarly analysis of the RUC's history, structure, and influence on American healthcare pricing. Government Accountability Office. “Medicare Physician Payment Rates: Better Data and Greater Transparency Could Improve Accuracy.” 2015. GAO's critical analysis of RUC methodology and conflicts of interest. Center for American Progress. “Rethinking the RUC.” 2015. Policy analysis of the RUC's structural bias against primary care and cognitive services. Health Affairs Scholar. “Insurance Acceptance and Cash Pay Rates for Psychotherapy in the US.” 2023. Empirical research on out-of-network utilization in mental health care. Medicare Payment Advisory Commission (MedPAC). “Report to the Congress: Medicare and the Health Care Delivery System.” 2024. Annual policy recommendations including proposals for reforming physician fee schedule methodology. Joel Blackstock, LICSW-S, is the Clinical Director of Taproot Therapy Collective in Hoover, Alabama. He specializes in complex trauma treatment and writes at GetTherapyBirmingham.com.  

Host Jonathan Hughes talks with economist Sandy Baum, a senior fellow at the Urban Institute, about the complexities of college pricing. They discuss the difference between the sticker price and net price of college, how inflation affects the cost of going to school, and why many students are actually paying less for college now than they did a decade ago.

On the radio show this week, we dive into the economic benefits of investing in the care economy —including child care, paid family & medical leave, and aging & disability care — and how these policies boost productivity, reduce stress, and make life more affordable. We hear about the need to protect public education, particularly the Individuals with Disabilities Education Act (IDEA), from political attacks. We cover where parents can find trustworthy information on vaccines, and why your personal story is so important to defeating disinformation. Finally, we discuss the impending health care crises if enhanced ACA subsidies expire, particularly affecting parents and children in states that did not expand Medicaid.    SPECIAL GUESTS: Julie Kashen, The Century Foundation, @tcfdotorg, @tcfdotorg.bsky.social; Moira Kaleida, Alliance to Reclaim Our Schools, @reclaimourschls;  Tina Sherman, MomsRising, MamásConPoder, @MomsRising, @MamasConPoder, @momsrising.org, @mamasconpoder.org; Jennifer Haley, Urban Institute, @Urban_Inst, @urbaninstitute.bsky.social  

No matter where you live in the U.S., you've probably heard stories — or have your own — about not being able to afford to live. The couple in their 30s that can't buy a home. The 20-something who can't afford rent without living with several roommates. The family of five who feel pinched every time they visit the grocery store. The retiree struggling to pay their health insurance premium.Whatever the situation, these stories are becoming central to how Americans are experiencing the economy. And this feeling is shaping politics.A CBS poll from October suggests inflation and the economy are now the top concern among Americans. According to the Urban Institute, 52 percent of U.S. families don't have the resources to cover what it costs to live. The average monthly cost of groceries has also risen 32 percent since 2019.What do when we mean when we say something is “affordable?” And how do we achieve that goal when the target keeps moving?Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

This week on Power House, Diego sits down with Susan Milazzo, the outgoing CEO of the California Mortgage Bankers Association, who reflects on two decades of transformative change in the mortgage industry.  Susan shares her insights on the massive tech adoption that has reshaped every aspect of the loan lifecycle and how AI is becoming integral to mortgage processes while regulators keep a close eye on consumer protection. She also talks about her proudest advocacy achievements, discusses the smooth transition to Paul Gigliotti and her plans for retirement after dedicating over 20 years to leading the California MBA. Here's what you'll learn: How technology integration became the biggest change in mortgage over the past 20 years Why compliance costs have multiplied despite technological advances The role AI plays in streamlining processes while maintaining regulatory oversight Susan's legislative victories during COVID-19 and beyond How the Urban Institute study proved IMBs already serve minority and low-to-moderate income borrowers What the future holds for the California MBA under new leadership Related to this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ California MBA Susan Milazzo | LinkedIn Paul Gigliotti Appointed New CEO of California MBA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

This week on Facing the Future, we focused on tax policy with Howard Gleckman, non-resident fellow at the Urban Institute and the Urban-Brookings Tax Policy Center. He explained his recent column, "What The Ugly History of Tax Policy Over The Past Four Decades Means For The Future."

Is hunger in America a choice?This week, over 40 million people worried about losing their SNAP benefits due to the government shutdown. But with Thanksgiving just around the corner, who's hurt most by hunger? And why do some believe that if you're hungry, it's your fault? Brittany gets into it with Poonam Gupta, research associate at the Urban Institute, and Maggie Dickinson, associate professor at Queens College and author of Feeding the Crisis: Care and Abandonment and America's Food Safety Net. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Affirmative action and DEI have become lightning rods in today's culture wars, but how much do we really know about where they came from and why they exist? In this episode, Sergio breaks down the long history of systemic racism in America, from slavery and Jim Crow to redlining and modern hiring bias. You'll learn what affirmative action actually is, what DEI really means, and how both have shaped access, opportunity, and fairness for everyone not just a few. This isn't about guilt. It's about awareness. Because when you understand the history, you start to see the patterns. And once you see them, you can't unsee them.1.Intro2. America's Original Construction Project3. The Evolution of Inequality4. Who's Really Getting the Handout?5. Before Affirmative Action, There Was Just...Discrimination6. DEI for Dummies: The Part They Never Told YouSources & References:• Bertrand, M., & Mullainathan, S. (2004). Are Emily and Greg more employable than Lakisha and Jamal? A field experiment on labor market discrimination. National Bureau of Economic Research. https://doi.org/10.3386/w9873• Equal Employment Opportunity Commission. (n.d.). EEOC history: 1964–1969. U.S. Equal Employment Opportunity Commission. https://www.eeoc.gov/history/eeoc-history-1964-1969• National Park Service. (n.d.). Equal Pay Act of 1963. U.S. Department of the Interior. https://www.nps.gov/articles/equal-pay-act.htm• Pittsburgh Press Co. v. Pittsburgh Commission on Human Relations, 413 U.S. 376 (1973). https://en.wikipedia.org/wiki/Pittsburgh_Press_Co._v._Pittsburgh_Commission_on_Human_Relations• University of Washington. (n.d.). Racial restrictive covenants: Enforcing neighborhood segregation in Seattle. Civil Rights & Labor History Consortium. https://depts.washington.edu/civilr/covenants_report.htm• Jones-Correa, M. (2000). Origins and diffusion of racial restrictive covenants. Political Science Quarterly, 115(4), 541–568. https://www.jstor.org/stable/2657609• Urban Institute. (2023). Addressing the legacies of historical redlining. https://www.urban.org/sites/default/files/2023-01/Addressing%20the%20Legacies%20of%20Historical%20Redlining.pdf• Nardone, A., Casey, J. A., Morello-Frosch, R., Mujahid, M., Balmes, J., & Thakur, N. (2020). Associations between historical residential redlining and current age-adjusted rates of emergency department visits due to asthma across eight cities in California. The Lancet Planetary Health, 4(1), e24–e31. https://pmc.ncbi.nlm.nih.gov/articles/PMC9901820/• Pager, D., Western, B., & Bonikowski, B. (2009). Discrimination in a low-wage labor market: A field experiment. American Sociological Review, 74(5), 777–799. https://pmc.ncbi.nlm.nih.gov/articles/PMC2915472/• Corrigan v. Buckley, 271 U.S. 323 (1926). https://en.wikipedia.org/wiki/Corrigan_v._Buckley• ADA National Network. “Timeline of the Americans with Disabilities Act.” adata.org. Accessed October 2, 2025. https://adata.org/ada-timeline• Administration for Community Living. “Origins of the ADA.” acl.gov. Accessed October 2, 2025. https://acl.gov/ada/origins-of-the-ada• U.S. Department of Justice. “Introduction to the Americans with Disabilities Act.” ada.gov. Accessed October 2, 2025. https://www.ada.gov/topics/intro-to-ada/• Section508.gov. “IT Accessibility Laws and Policies.” section508.gov. Accessed October 2, 2025. https://www.section508.gov/manage/laws-and-policies/• BrownGold. “DEI & A: The Effect of Donald Trump's DEI Executive Order on Accessibility.” browngold.com. Accessed October 2, 2025. https://browngold.com/blog/dei-a-the-effect-of-donald-trumps-dei-executive-order-on-accessibility/• Wikipedia. “Architectural Barriers Act of 1968.” Wikipedia.org. Accessed October 2, 2025. https://en.wikipedia.org/wiki/Architectural_Barriers_Act_of_1968• Michigan State University Libraries. “Advancing Accessibility: A Timeline.” lib.msu.edu. Accessed October 2, 2025. https://lib.msu.edu/exhibits/advancing-accessibility/timeline• Duane Morris LLP. “ADA Considerations for Neurodiversity Hiring Programs.” duanemorris.com. August 3, 2023. https://www.duanemorris.com/articles/ada_considerations_for_neurodiversity_hiring_programs_0803.html• Autism Spectrum News. “Neurodiversity Hiring Programs: A Path to Employment.” autismspectrumnews.org. Accessed October 2, 2025. https://autismspectrumnews.org/neurodiversity-hiring-programs-a-path-to-employment/Institute for Diversity Certification. “What Does It Mean to Provide Reasonable Workplace Accommodations for Your Neurodiverse Employees?” diversitycertification.org. Accessed October 2, 2025. https://www.diversitycertification.org/deia-matters-blog/what-does-it-mean-to-provide-reasonable-workplace-accommodations-for-your-neurodiverse-employeesKatznelson, I. (2005). When affirmative action was white: An untold history of racial inequality in twentieth-century America. W. W. Norton & Company. (See summary: History & Policy).• Onkst, D. H. (1998). “'First a negro… incidentally a veteran': Black World War II veterans and the G.I. Bill of Rights in the Deep South, 1944–1948.” Journal of Social History, 32(3), 517–543.• Blakemore, E. (2019; updated 2025). “How the GI Bill's promise was denied to a million Black WWII veterans.” History.com. https://www.history.com/articles/gi-bill-black-wwii-veterans-benefits.• Heller School, Brandeis University. (2023). “Not all WWII veterans benefited equally from the GI Bill” (impact report). https://heller.brandeis.edu/news/items/releases/2023/impact-report-gi-bill.html.• Perea, J. F. (2014). [Law review article on GI Bill and race]. University of Pittsburgh Law Review (available as PDF).• NBER working paper(s). (2024–2025). “Quantifying Racial Discrimination in the 1944 GI Bill” (authors and links in NBER repository). 

This week on Facing the Future, we focused on tax policy with Howard Gleckman, non-resident fellow at the Urban Institute and the Urban-Brookings Tax Policy Center. He explained his recent column, "What The Ugly History of Tax Policy Over The Past Four Decades Means For The Future."

Urban Institute senior fellow Elaine Waxman and Jeremiah Program president and CEO Chastity Lord know the power of single moms on the economic mobility of entire communities. “Great moms are dreaming in threes: they dream for themselves, they dream for their children, and they naturally dream for their community,” says Lord. The Jeremiah Program supports single mothers as they invest simultaneously in their own goals as well as their children's education. Waxman recently published “Policy Levers to Support Single-Mother Economic Mobility” with support from Share Our Strength. “I always think of food insecurity as the canary in the coal mine. It's often the first symptom of instability to emerge because that's a quick way that people can try to move resources around. It's also often one of the last ones to resolve,” she reports.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Daniel Kuehn is a labor economist with the Urban Institute. He has an interest in the history of economic thought, and joins Bob to discuss his forthcoming Journal of Economic Perspectives (Vol 39, No 4) article on WEB Dubois' work on marginal productivity theory, when it was still in its infancy.Mentioned in the Episode and Other Links of Interest:The YouTube version of this conversation.This episode's sponsor, ExPatMoneySummit.com.Daniel's page at the Urban Institute.Help support the Bob Murphy Show.

In episode 237 of America Adapts, host Doug Parsons talks with Dr. Andrew Rumbach of the Urban Institute, who went to New Orleans after Hurricane Katrina to work on recovery and has spent his career studying disasters and resilience. They discuss Katrina's enduring legacy—what's been fixed, what remains broken, and what's now under assault. Andrew shares insights on how FEMA has evolved since 2005, where bipartisan reforms have emerged even in a hostile political climate, and whether the country is truly ready for the next major storm. He also highlights five powerful documentaries that capture Katrina's human and political dimensions, offering listeners new ways to understand both the storm and its aftermath. This conversation looks back at Katrina not only as a past tragedy but as a warning for our uncertain future. Twenty years after Hurricane Katrina, its lessons still shape how America thinks about disasters.   Check out the America Adapts Media Kit here! Subscribe to the America Adapts newsletter here. Donate to America Adapts Listen to America Adapts on your favorite app here! Facebook, Linkedin and Bluesky: https://www.facebook.com/americaadapts/ https://bsky.app/profile/americaadapts.bsky.social https://www.linkedin.com/in/doug-parsons-america-adapts/ Links in this episode: Sign up for Andrew's substack! https://substack.com/@andrewrumbach The Five Katrina themed documentaries Andrew recommended: https://open.substack.com/pub/andrewrumbach/p/five-essential-films-about-hurricane?r=402vg&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false https://andrewrumbach.com/   Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. Donate to America Adapts, we are now a tax deductible charitable organization! The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders Join the climate change adaptation movement by supporting America Adapts!  Please consider supporting this podcast by donating through America Adapts fiscal sponsor, the Social Good Fund. All donations are now tax deductible! For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com    

Mike McShane, Director of National Research for EdChoice, joins us on the Education Gadfly Show to debate tradeoffs when it comes to regulation and innovation in the charter school and private school choice sectors.Then, on the Research Minute, Adam Tyner shares a report from the Urban Institute looking at college and career indicators and how they relate to research on post-high school outcomes. Recommended content: On school choice:Overregulated charter schools: Fact or fiction? —Michael J. PetrilliSchool choice should take the road less traveled —Robert Enlow and Michael Q. McShane, Education Next Charter school regulation means keeping the destination in sight —Thibaut DelloueFrom the Research Minute:Which college and career readiness standards best align with positive outcomes after high school? —Kristin Blagg, The Urban Institute (July 2025) The vibes for career-tech programs are great. But they're too rare. —Michael J. Petrilli--Feedback Welcome: Have ideas for our show? Send them to thegadfly@fordhaminstitute.org

In this episode, seven public housing resident narrators recount stories about sharing in community and forced changes to their family structures, shaped by undercurrents of federal policies enacted during the 1950s–1980s that strictly governed what resources were available to whom. These stories touch on how the United States' aggressive involvement in global affairs affect its residents at home and reveal deeper insights about how systemic changes affect each individual.We encourage you to share this episode with a friend and discuss how sharing and governmental policies have impacted your communities.Episode transcript here. To learn more about the history and policies discussed in this episode, check out our full sources and additional readings list: Nicholas Lemann, “Four Generations in the Projects,” The New York Times (January 13, 1991, Section 6, page 17), accessed at: https://www.nytimes.com/1991/01/13/magazine/four-generations-in-the-projects.html Natalie Y. Moore, with research by Beauty Turner, “The Good Ol Days,” The Chicago Reporter (September 26, 2007), accessed at: https://www.chicagoreporter.com/good-ol-days/. Alison Lefkovitz, “Men in the House: Race, Welfare, and the Regulation of Men's Sexuality in the United States, 1961–1972,” Journal of the History of Sexuality 20, no. 3 (2011): 594–614, accessed at: http://www.jstor.org/stable/41305886.Rahim Kurwa, National Low Income Housing Coalition, “Study Examines ‘Man in the House' Rules in the Voucher Program, Housing Policy Debate (August 24, 2020) accessed at: https://nlihc.org/resource/study-examines-man-house-rules-voucher-program Nestle, Marion. “The Supplemental Nutrition Assistance Program (SNAP): History, Politics, and Public Health Implications.” American Journal of Public Health 109, no. 12 (2019): 1631-1635, accessed at: https://ajph.aphapublications.org/doi/10.2105/AJPH.2019.305361 Hortense J. Spillers, “Mama's Baby, Papa's Maybe: an american grammar book”  (1987), Diacritics 17, no. 2 (Summer 1987): pp. 64-81, accessed at: https://www.mcgill.ca/english/files/english/spillers_mamas_baby.pdf or https://doi.org/10.2307/464747 .Gregory Acs, Kenneth Braswell, Elaine Sorensen, and Margery Austin Turner, “The Moynihan Report Revisited, published by Urban Institute, Open Society Foundations, and Fathers Incorporated (June 2013), accessed at: https://www.urban.org/sites/default/files/publication/23696/412839-The-Moynihan-Report-Revisited.PDF Daniel Geary, “The Moynihan Report: An Annotated Edition,” The Atlantic (September 2015), accessed at: https://www.theatlantic.com/politics/archive/2015/09/the-moynihan-report-an-annotated-edition/404632/ Daniel Patrick Moynihan, “The Negro Family: The Case for National Action,” Office of Policy Planning and Research, United States Department of Labor (March 1965), accessed at: https://web.stanford.edu/~mrosenfe/Moynihan%27s%20The%20Negro%20Family.pdf.

In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson start with a deep dive into "canon events"—those formative moments that shape us—before tackling two controversial takes: why skipping deposits in midterm rentals is dangerous, and why young buyers using family money isn't something to be ashamed of. They get real about wealth transparency, the evolution of rental platforms, and why some trends in real estate are worth pushing back against.

Should the bus be free? That's the question everyone following the New York City mayoral race is asking, with Democratic primary winner Zohran Mamdani promising to focus on fast, free buses if he's elected to City Hall. Eliminating bus fares is a big idea, but is it a good one? Like a lot of things in politics, there's no simple answer. That's why we asked Yonah Freemark — a researcher in cities, land use, and transportation at the Urban Institute — to walk us through the pros and cons of making the bus free for everyone. Whatever you think about it, the good news is that everyone is talking about bus riders. That's a win in our book. Support The War on Cars on Patreon and receive exclusive access to ad-free versions of regular episodes, Patreon-only bonus content, Discord access, invitations to live events, merch discounts and free stickers! ***Our new book, Life After Cars: Freeing Ourselves from the Tyranny of the Automobile, will be published on October 21, 2025 by Thesis, an imprint of Penguin Random House. Pre-order now.*** Purchase tickets for our Life After Cars publication party and live show at The Bell House in Brooklyn on October 28th. And find us in other cities for our book tour including San Francisco, Seattle, Vancouver, and more. The War on Cars is produced with the generous support of the Helen & William Mazer Foundation. This episode was sponsored by Cleverhood and Upway. Listen for the latest discount codes. Check out Mamala Food by Dani Finkel. (She designed our logo!) SHOW NOTES Learn more about Yonah Freemark and his work at the Urban Institute. Watch Zohran Mamdani on The Breakfast Club.  Charlie Komanoff: Free buses would mean faster buses and more riders. (Streetsblog) Andrew Cuomo has a less ambitious free bus plan. (Gothamist) Boston has free buses on three routes. (Boston.gov) New York's free bus pilot. (MTA.info) This episode was recorded at the Brooklyn Podcasting Studio. www.thewaroncars.org            

Howard Gleckman, a senior fellow at the Urban Institute and Forbes columnist, provided a comprehensive overview of recent public policy changes affecting older adults. Drawing from his expertise in aging and tax policy—stemmed from personal caregiving experiences—Gleckman analyzed the implications of the Trump administration's "big beautiful bill" and related executive actions as of August 2025. The focus was on Medicaid and Medicare reforms, which could reshape long-term care, costs, and access for millions of seniors and people with disabilities.Medicaid, which supports about 7.2 million seniors and 4.8 million younger disabled individuals (dual eligibles), faces a $1 trillion reduction in federal spending over the next decade. Key changes include:Work Requirements and Paperwork: Starting potentially in December 2026, states must impose work mandates, though older adults and those with disabilities are exempt. Family caregivers' status remains unclear, risking benefit loss for those quitting jobs to provide care. Recertification is now required at least twice yearly, increasing administrative burdens and potentially deterring eligible recipients.Funding Reductions: Limits on state provider taxes (e.g., on nursing homes) will cut federal contributions by about $120 billion starting in 2028. Expansion states under the Affordable Care Act lose extra funding from January 2026, forcing tough choices: cut benefits, limit eligibility, or raise taxes. Gleckman warned that optional home and community-based services (HCBS) are most vulnerable, as nursing home care remains mandatory. While the bill allows states to expand HCBS for less needy individuals without lengthening waitlists, funding cuts make this unlikely.Staffing and Workforce Impacts: The bill repeals Biden-era minimum staffing rules for nursing homes until 2034. Combined with mass deportations, this exacerbates shortages of direct care workers, driving up costs for facilities and families.Gleckman emphasized that states may prioritize institutional care over community-based options, potentially worsening outcomes for older adults preferring to age at home.Despite campaign promises to protect Medicare, changes aim to curb fraud, boost efficiency, and emphasize prevention—but at the risk of higher costs and reduced access:Prior Authorization Expansion: For the first time, traditional fee-for-service Medicare will require prior approval for 17 procedures (e.g., back surgeries, pain injections) in a six-state demo (New Jersey, Ohio, Oklahoma, Texas, Arizona, Washington). CMS plans to use AI for reviews, with human oversight.Payment Adjustments: Skilled nursing facilities see a 2.8% payment increase for 2026, deemed insufficient by the industry. Home health agencies face a 6.4% cut ($1 billion+), sparking bipartisan opposition. The Labor Department repealed Obama-era rules, allowing home care workers to earn below federal minimum wage ($7.25/hour) and exempting them from overtime, per state laws.Enrollment and Programs: Easier enrollment in Medicare Savings Programs (for low-income beneficiaries) is delayed until 2034. The GUIDE program for dementia care navigation continues but with penalties if it fails to improve outcomes or save money. Value-based care is expanding, rewarding providers for quality over volume.Drug Pricing and Hospice: Trump favors "most favored nation" pricing to align U.S. drug costs with foreign markets, potentially supplementing Biden's negotiations. Hospice faces crackdowns on alleged fraud, though details are pending.Gleckman noted deregulation of nursing homes (e.g., rolling back transparency rules) and potential reductions in Medicare Advantage supplemental benefits like gym memberships due to insurer financial pressures.

We kicked off the program with four news stories and guests on topics we thought you might like to learn more about!In this episode we chatted with:Emily Sweeney, Boston Globe Cold Case Files Reporter & Blotter Tales columnist, about the disappearance of Cathy Malcolmson in 1985.Google Trends Expert Molly McHugh-Johnson about what topics fascinated Americans during the month of July!Richard Johnson, Senior Fellow in the Tax and Income Supports Division at the Urban Institute, about why so many retirees are filing for Social Security benefits early?ESPN broadcaster Sean McDonough about the upcoming Sean McDonough Celebrity Draw Party and Golf Classic to raise funds for research and treatment of cardiac amyloidosis, a rare and often fatal heart disease. The event honors his late father, legendary Boston Globe columnist Will McDonough, who died suddenly in 2003 from undiagnosed cardiac amyloidosis.You can hear NightSide with Dan Rea, Live! Weeknights From 8PM-12AM on WBZ - Boston's News Radio.

Seattle's low-rise multifamily zones have produced more than 20,000 townhomes over the past 30 years. Tobias Peter discusses the impacts on affordability, homeownership, and more — including lessons for other cities.Show notes:Peter, T., Pinto, E., & Tracy, J. (2025). Low-Rise Multifamily and Housing Supply: A Case Study of Seattle. Journal of Housing Economics, 102082.The full catalog of AEI Housing Supply Case Studies.The Urban Institute study on upzoning effectiveness: Stacy, C., Davis, C., Freemark, Y. S., Lo, L., MacDonald, G., Zheng, V., & Pendall, R. (2023). Land-use reforms and housing costs: Does allowing for increased density lead to greater affordability? Urban Studies, 60(14), 2919-2940.AEI's review and critique of the Urban Institute study: Peter, T., Tracy, J., & Pinto, E. (2024). Exposing Severe Methodological Gaps: A Critique of the Urban Institute's Panel Study on Land Use Reforms. American Enterprise Institute.Episode 77 of UCLA Housing Voice: Upzoning with Strings Attached with Jacob Krimmel and Maxence Valentin.

The Trump administration is proposing fundamental changes to federal disaster response, shifting from FEMA's current model toward block grants that give states more control. The goal: reduce federal bureaucracy and empower local decision-making. But new analysis raises important questions about whether states have the financial capacity to handle major disasters alone.An Urban Institute study found that only 5 out of 31 disaster-affected states had sufficient reserves to cover what they would lose under proposed changes. Meanwhile, implementation challenges are emerging: delayed disaster declarations, staffing reductions at FEMA, and coordination issues between federal and state agencies.TCS President Steve Ellis and Director of Research & Policy Josh Sewell examine both sides of this debate. While federal disaster response clearly needs reform to improve efficiency and accountability, they explore whether current changes are achieving those goals or creating new problems that could cost taxpayers more in the long run.

Moody's Analytics Mark Zandi and Cris deRitis are joined by Ira Goldstein from The Reinvestment Fund, Maggie McCullough from PolicyMap, and Jim Parrott from the Urban Institute to discuss their new study that takes a deep dive into understanding the nature of the decade-long housing shortfall. This housing crisis has driven up house prices and rents, and undermined housing affordability. But despite the heightened political attention on the problem, there remains confusion over its true scale and scope. This team of self-avowed housers dissect the shortage down to the census tract and come to some surprising conclusions.To learn more and access the full research paper: https://www.economy.com/bringing-the-housing-shortage-into-sharper-focusGuest: Ira Goldstein, Senior Advisor at The Reinvestment FundGuest: Maggie McCullough, CEO and Founder of PolicyMapGuest: Jim Parrott, Nonresident Fellow at the Urban InstituteHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View.

A new analysis from the Robert Wood Johnson Foundation and the Urban Institute shows Wisconsin hospitals would see a $3 BILLION reduction in spending over the next decade under the big, bloated budget boondoggle under consideration by Congress. That would lead to a $900 million increase in uncompensated care in Wisconsin hospitals—which will lead some of them to close and make the healthcare crisis even worse in some hometowns. We'll talk to Katherine Hempstead, Senior Policy Advisor at the Robert Wood Johnson Foundation. Mornings with Pat Kreitlow is powered by UpNorthNews, and it airs on several stations across the Civic Media radio network, Monday through Friday from 6-9 am. Subscribe to the podcast to be sure not to miss out on a single episode! To learn more about the show and all of the programming across the Civic Media network, head over to civicmedia.us/shows to see the entire broadcast line up. Follow the show on Facebook, X, and YouTube. Guest: Katherine Hempstead

On this episode of Empowered Returns, Mike welcomes Dr. Christina Stacy from the Urban Institute to tackle one of the most hotly debated issues in housing policy—rent control. Together, they unpack cutting-edge research powered by machine learning to understand how rent control policies are shaping affordability and housing supply across U.S. cities.The conversation dives into the real-world tradeoffs: while some policies provide critical relief for extremely low-income renters, others risk stalling new development and limiting housing stock. With a data-driven lens, this episode explores the complex dynamics at play and what they mean for the future of urban living.If you find this and our other episodes helpful, please like and subscribe on YouTube or your preferred podcast listening app!Get more education and insight like this at Transforming Cities –[https://transformingcities.io](https://transformingcities.io)Brought to you by Authentic and Charlesgate –[https://authenticff.com](https://authenticff.com)[https://www.charlesgate.com](https://www.charlesgate.com)© 2025 Authentic Form & Function and Charlesgate

Are you curious about the true scope and scale of nonprofit employment in America? Ever wonder how nonprofit jobs weathered the pandemic compared to for-profit jobs? In this episode, host Rusty Stahl speaks with Dr. Alan J. Abramson and Chelsea Newhouse, both of George Mason University, about the numbers behind the nonprofit workforce, and their implications for funders, policymakers, and nonprofit leaders.The conversation reveals crucial facts about nonprofit employment based on George Mason's latest report. Abramson and Newhouse discuss how nonprofits lost 580,000 workers during the early pandemic but weathered the initial downturn better than for-profits. They explore common misconceptions about nonprofit funding and highlight how the sector has struggled to fully restore its workforce.Our guests introduce their Nonprofit Works, a free, user-friendly tool that provides high-level data about how many Americans earn a living through nonprofit work, and how much money nonprofits add to the economy in annual wages. The database allows users to segment this data by sub-sector and geography, and compare it to business and government jobs. The numbers are drawn from federal Department of Labor data, but the nonprofit employment data are published extremely infrequently, and only with help from scholars at a private, nonprofit university. Alan and Chelsea argue that better, more frequent releases of nonprofit workforce data – including relevant data collected by other federal agencies – would help nonprofit workers gain the visibility and support they deserve in public policy, the media, academic research, and among private funders.You can find all the episodes of this podcast plus our blog, toolkit and other resources at ⁠⁠⁠⁠⁠⁠⁠⁠⁠fundthepeople.org⁠⁠⁠⁠⁠⁠⁠⁠⁠. Bios:Alan J. Abramson is director of the Center on Nonprofits, Philanthropy, and Social Enterprise, in the Schar School of Policy and Government at George Mason University. He teaches and conducts research on the nonprofit sector and philanthropy, and has worked to save and sustain work done at Johns Hopkins University by his late colleague, Dr. Lester Solomon. For more than a decade, Dr. Abramson directed the Aspen Institute's Nonprofit Sector and Philanthropy Program. Before that he worked at the Urban Institute. Alan is the author and coauthor of numerous books and articles, and is involved with multiple academic associations related to the nonprofit sector. Dr. Abramson received his PhD in political science from Yale University.Chelsea Newhouse is a consultant on the George Mason University' Nonprofit Employment Data Project and Senior Program Manager at East-West Management Institute. Prior to joining the East-West Management Institute in 2022, Chelsea was at the the Johns Hopkins Center for Civil Society Studies, where she worked closely with late Center Director Lester Salamon on the Nonprofit Economic Data Project and the Nonprofit Works Interactive Database, the Comparative Nonprofit Sector Project, and a variety of other research projects focused on the nonprofit, philanthropic, and volunteer sector. Following Dr. Salamon's passing, she helped transfer the Nonprofit Employment Data Project to George Mason University. Chelsea has also served as a consultant with Maryland Nonprofits and the New York Council of Nonprofits.Resources:GMU Center on Nonprofits, Philanthropy, and Social EnterpriseGMU Nonprofit Employment Project websiteGMU Nonprofit Works websiteDirect link to the 2024 Nonprofit Employment ReportA link to the UN TSE Sector Handbook project, which provides guidance and background on the nonprofit satellite accountJHU Center for Civil Society StudiesStanding Up for Nonprofits, a 2024 book on nonprofit advocacy that Ben Soskis and Alan Abramson wrote. It's available for free online from Cambridge University Press

Maryland Comptroller Brooke Lierman gives a sneak peek into a learning session she's leading at FTA's Annual Meeting in Chicago on boosting earned income tax credit (EITC) uptake in Maryland through data, outreach, and innovation. Lierman discusses a new research partnership the Comptroller of Maryland has with the Urban Institute, aimed at increasing EITC claims through targeted data analysis, community engagement, and taxpayer education.

In this episode, we sit down with Maryland Comptroller Brooke Lierman to discuss insights from a new research partnership with the Urban Institute aimed at increasing earned income tax credit claims through targeted data analysis, community engagement, and taxpayer education.

Maryland Comptroller Brooke Lierman gives a sneak peek into a learning session is leading at FTA's Annual Meeting in Chicago on boosting earned income tax credit (EITC) uptake in Maryland through data, outreach, and innovation. Lierman discusses a new research partnership the Comptroller of Maryland has with the Urban Institute, aimed at increasing EITC claims through targeted data analysis, community engagement, and taxpayer education.

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Executive Office of the Governor, “Gov. Whitmer Releases Top Lines of Alarming Report on Federal Medicaid Cuts, Finding Cuts Would Terminate Health Care for 700,000 Michiganders,” May 7, 2025, https://www.michigan.gov/whitmer/news/press-releases/2025/04/16/whitmer-signs-executive-directive-to-identify-impact-of-federal-medicaid-cuts. Michigan Department of Health & Human Services, “Executive Directive 2025-3,” https://www.michigan.gov/mdhhs/-/media/Project/Websites/mdhhs/Inside-MDHHS/Newsroom/ED-2025-3-FINAL.pdf Lisa Dubay, et. al, “The Impact of Lowering Federal Matching Commitments to Medicaid in 10 States and the District of Columbia,” May, 2025, https://www.rwjf.org/content/dam/farm/reports/issue_briefs/2025/rwjf482585, Urban Institute. Andrew Cass, “Medicaid cuts could cost 10 states, DC nearly $500B: Report,” May 6, 2025, https://www.beckershospitalreview.com/finance/medicaid-cuts-could-cost-10-states-dc-nearly-500b-report/, Becker's Hospital Review. Alan Condon, “GOP drops some Medicaid cuts from budget plan: 5 things to know,” May 7, 2025, https://www.beckershospitalreview.com/finance/gop-drops-some-medicaid-cuts-from-budget-plan-6-things-to-know/?origin=CFOE&utm_source=CFOE&utm_medium=email&utm_content=newsletter&oly_enc_id=3025D7635490G0H, Becker's Hospital Review.  Ashleigh Fields, “Trump nixes CDC infectious disease advisory committee: Report,” May 6, 2025, https://thehill.com/policy/healthcare/5286736-trump-nixes-cdc-infectious-disease-advisory-committee-report/, The Hill. Michigan Health Council, “2025 Michigan Healthcare Workforce Plan,” https://www.mhc.org/workforceplan. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

On this week's Education Gadfly Show podcast, Rachel Canter, the founding executive director of Mississippi First and the new director of education policy at the Progressive Policy Institute, joins Mike and David to discuss what really fueled Mississippi's dramatic gains in student achievement. Then, on the Research Minute, Amber reports on a new study examining the impact of Ohio's EdChoice voucher program on college enrollment and graduation rates.Recommended content: Rachel Canter, The Truth About Mississippi's NAEP Gains, Mississippi First (July 5, 2023)Emily Freitag, “A bold state move to improve reading,” Thomas B. Fordham Institute (February 20, 2025).Aaron Churchill, “Ohio's EdChoice scholarship program improved college outcomes,” Thomas B. Fordham Institute (April 25, 2025).Matthew Chingos, David Figlio and Krzysztof Karbownik, The Effects of Ohio's EdChoice Voucher Program on College Enrollment and Graduation, Urban Institute (2025)Feedback Welcome: Have ideas for improving our podcast? Send them to Stephanie Distler at sdistler@fordhaminstitute.org.  

We know that climate change disproportionately affects those of us who are already struggling. But can climate mitigation and adaptation policy be designed in a way that promotes environmental justice? And if so, how? We speak with Anna Shipp, Principal Policy Associate, and Joseph Schilling, Senior Research Associate, from the Urban Institute's Research to Action Lab about Justice40 — a Biden-era initiative that directed 40% of federal climate spending benefit equity-deserving communities. The Urban Institute, a nonprofit focused on equity and social mobility, has studied climate justice in depth, including the challenges of implementing Justice40. Although the initiative was repealed under the Trump administration, it remains one of the most ambitious attempts to embed environmental justice into federal climate policy — and offers valuable lessons for future efforts.   Pullback is a proud member of the Harbinger Media Network Enjoy our work? Support us on Patreon!

Breitbart's Economic and Finance Editor, John Carney, and the Urban Institute's Jim Parrott return to Inside Economics to discuss the motivations and endgame of President Trump's global trade war, tax and spending policy, and what will happen with Fannie and Freddie. The upshot of the conversation: the trade war isn't going to end soon, and a recession is dead-ahead.Guests: John Carney, Finance and Economics Editor at Breitbart & Jim Parrott, Nonresident Fellow at the Urban Institute  Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X', BlueSky or LinkedIn @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View.

A live and interactive discussion with one of the leading voices in elder care policy that will provide insights into the complex world of aging services during this period of policy uncertainty. Howard Gleckman, a senior fellow at the Urban Institute and author of Caring for Our Parents will provide a comprehensive analysis drawing on his expertise in tax policy, elder care, and healthcare.https://howardgleckman.com/Caring for Our Parents: Inspiring Stories of Families Seeking New Solutions to America's Most Urgent Health Crisis Hardcover – May 26, 2009 by Howard Gleckman (Author)Summary Generated by https://notebooklm.google.com/ Gleckman began by addressing **Social Security**, highlighting President Trump's promise not to cut benefits directly. However, he cautioned that the administration's actions, such as limiting access through closed offices and phone line difficulties, are already impacting beneficiaries and applicants, particularly those seeking disability benefits, where waiting times are expected to exceed a year. More critically, Gleckman stressed the looming **insolvency of the Social Security trust fund within the next nine years**, which could lead to an automatic 23% cut in benefits if no action is taken. He criticized the political stalemate on this issue, noting that inaction is akin to "taking Social Security off a cliff".Turning to **Medicare**, Gleckman noted Trump's similar pledge not to cut benefits directly. However, he anticipated potential cuts to providers, which could further strain access to care. A significant focus was placed on **Medicare Advantage (MA)**, with the administration recently announcing a substantial 5.3% increase in payments to MA plans. Gleckman pointed out the inconsistency with the stated goal of cutting government spending. He discussed the possibility of MA becoming the default Medicare option, as suggested by Project 2025. While acknowledging potential benefits of coordinated care in theory, Gleckman raised concerns about network limitations, complexity, and prior authorizations in current MA plans. He also touched upon the negotiation of drug prices initiated by the Biden administration and the uncertainty of Trump's future stance on this, while noting the current administration's decision to not cover GLP-1 drugs for weight loss under Medicare and Medicaid.The **Older Americans Act (OAA)** and the **Administration for Community Living (ACL)** were also highlighted as being at risk. Gleckman predicted budget cuts for OAA programs like Meals on Wheels and adult day programs. More alarmingly, he discussed the announced plan to **abolish the ACL** and divide its functions among other HHS offices, along with the firing of half of its staff, including grant program administrators. This could severely disrupt the functioning of vital community-based services due to a lack of federal oversight and support. Gleckman also noted the potential impact of federal employee layoffs in the Washington D.C. area on the tax base and consequently on local senior service programs.Gleckman concluded by emphasizing the **unpredictability of the Trump administration** due to its impulsive and chaotic management style. He urged communities to proactively work together to support older adults and their caregivers during these uncertain times. He echoed the sentiment that individual storytelling and engagement with lawmakers are crucial for conveying the real-world impact of potential policy changes. The interactive nature of the discussion allowed participants to voice their concerns and ask questions, highlighting the community's eagerness to understand and navigate the evolving landscape of aging services.

Climate change and household financial well-being The increase in climate-related disasters, such as floods, wildfires, and heat waves, has created serious financial burdens on households across the country. Since 1980, the world has seen a fivefold increase in the number of billion-dollar natural disasters. 2018 to 2022 alone saw an estimated $617 billion in damages from climate and weather related events. Beyond the public health and safety concerns, these disasters have hit Americans in the pocketbook. An estimated 13% have reported facing severe economic hardship following such disasters, with this number projected to rise as climate extremes become more frequent. For particularly vulnerable households, high financial costs from disasters can further exacerbate existing inequities. In order to adapt to a changing world of more frequent climate catastrophes, policy makers will need to develop solutions to assist populations in disaster recovery. Solutions to climate-related financial disasterThe impacts of climate-related disasters are numerous. In addition to harming businesses and infrastructure, extreme weather events can lead to worker displacement, job loss, and migration. Catastrophic climate events, known as climate hazards, create financial strain on households from damage done to one's property. Many households may not have the immediate resources or savings needed to repair the damage, leading to long-term displacement and financial instability. Healthcare costs, transportation expenditures, and inability to access proper insurance coverage are other burdens many individuals face following a natural disaster.Low-income communities will face the brunt of climate change impacts. By understanding the historical inequities that have pushed marginalized communities into regions particularly vulnerable to climate change, policy makers can create more equitable outcomes. Many officials are now encouraging increased access to education, “democratized” climate decision making, and new ways to engage and empower people to take a stance in decisions about the climate. The US Department of the Treasury further suggests that households consider utilizing government incentives to adopt climate-resilient property modifications, such as tax credits and rebates for energy-efficient home improvements. Policymakers further plan to support financial well-being by assisting households in financial resiliency efforts with programs through the Federal Emergency Management Agency (FEMA) and U.S. Small Business Administration (SBA).Advantages of improving financial stability following a climate disasterInitiatives designed to address vulnerable communities affected by climate disasters can assist in adaptation towards climate extremes. Having access to resources, whether political or social, is key to providing impacted communities with the support they need to adapt to a changing environment. With increased educational awareness and government assistance, households facing financial distress and instability following a climate-related event will have the support they need to recover.Setbacks to achieving financial stability In order for these goals to be realized, policy makers will need to overcome significant challenges. For example, many households across the country face underinsurance, as climate extremes become more common and push insurers to raise rates or pull out of the insurance market altogether. As a result, vulnerable regions may be left without the proper resources to recover. A recent report found that policies for 39 million properties (about a quarter of all homes in the US) are under-priced for the climate risk needed to insure those properties. Without insurance coverage, homeowners are unable to fix damaged property.Furthermore, the most severe effects of climate change disproportionately affect socially vulnerable populations. Less than 60% of single-family homeowners living in areas where mandatory flood insurance is required actually have the necessary insurance. As such, policy makers need to pay more attention to those communities most vulnerable to climate change in order to ensure they have access to the insurance needed to recover from a disaster and achieve financial stability following a climate-related event.Dr. Andrew Rumbach, Senior Fellow in the Metropolitan Housing and Communities Policy Center at the Urban Institute, studies household and community risk to natural hazards and climate change. Dr. Rumbach is involved in the policy implementation and research of numerous federal and state-declared disaster events and is on the forefront of addressing disaster vulnerability and environmental risk.ResourcesNBC: Climate change could impose ‘substantial financial costs' on U.S. household finances, Treasury warnsWorld Bank: Social Dimensions of Climate ChangeUS Treasury: The Impact of Climate Change on American Household FinancesUS Treasury: Fact Sheet: The Impact of Climate Change on American Household FinancesFurther ReadingBBC: Climate change is fuelling the US insurance problemFor a transcript of this episode, please visit https://climatebreak.org/including-marginalized-communities-in-policy-decisions/.

Listener Email: John Gibilisco on the Sisyphean undertaking of Omaha bike advocacy (1:40). #Teslatakedown (2:45). The MAGAS are cutting all federal funding for bike infrastructure but also reneging on grants to projects like Reconnecting Communities, which would address the harms of highways. With Yonah Freemark, a principal research associate in the Housing and Communities Division at the Urban Institute (4:05). Boston's bike friendly Mayor Wu is ripping out protected bike lanes to appease the right, according to advocates like Boston Cyclists' Union Communications Manager Mandy Wilkins (15:59). LA architect Neal Payton on how to rebuild Los Angeles to be more bike oriented after the fires (23:17). Bike storage is essential to more biking in cities, and Shabazz Stuart, co-founder and CEO of Oonee bike parking, wants to scale it up (40:28).

Send us a textHave you heard people talking about The Great Wealth Transfer and wondered what they were talking about? Do you feel like something's missing from the conversation?Dive into today's episode for a quick summary of what's happening and what no one's talking about.Links from today's episode:What is the “great wealth transfer,” and who'll benefit from it? | Marketplace | December 2024https://www.marketplace.org/2024/12/12/what-is-the-great-wealth-transfer-and-inheritance-millenials-gen-z/The Great Inequality Transfer, Urban Institute, 2024https://www.urban.org/sites/default/files/2024-10/The_Great_Inequality_Transfer.pdfWhy the Great Wealth Transfer Is Making History for Women and Wealth | Ellevest | January 2024https://www.ellevest.com/magazine/investing/great-wealth-transfer ICYMI another episode you might enjoy:Episode#155 How Gen Z Thinks about InvestingLove the book recos on this show? Check out the Progressive Pockets Bookshelf:https://bookshop.org/shop/progressivepockets As an affiliate of Bookshop.org, Progressive Pockets will earn a commission if you make a purchase.Connect With Genet “GG” Gimja:Website https://www.progressivepockets.comTwitter https://twitter.com/prgrssvpckts Work With Me:Email progressivepockets@gmail.com for brand partnerships, business inquiries, and speaking engagements.Easy Ways to Support the Show1. Send this episode to someone you know! Word of mouth is how podcasts grow!2. Buy me a coffee (or a soundproof panel!) https://buymeacoffee.com/progressivepockets 3. Leave a 5 star rating and review for the show!//NO AI TRAINING: Any use of this podcast episode transcript or associated show notes or blog posts to “train” generative artificial intelligence (AI) technologies to generate text is expressly prohibited. This includes, without limitation, technologies that are capable of generating works in the same style or genre as this content. The author reserves all rights to license uses of this work for generative AI training and development of machine learning language models//Support the show

New data on investor sentiment shows optimism in the multifamily market, but given the lag between fast-moving economic developments and the Jan.-Feb. time period when the data was gathered, some of this investor enthusiasm may be blunted in light of the recent volatility. That being said, strong fundamentals and improving long-term rent growth trends have been consistent in the multifamily market, and as short-term revenue difficulties intersect with looming loan maturities, investors will be looking for opportunities to invest in distressed assets in 2025.Sources discussed in this episode:RealPage: “Modest Momentum Builds in February Rent Growth, Occupancy Readings” - https://www.realpage.com/analytics/february-2025-data-update/Yardi Matrix: Feb. 2025 National Multifamily Report: “Multifamily Market Set to be Tested” - https://www.yardimatrix.com/publications/download/file/6945-MatrixMultifamilyNationalReport-February2025 Redfin: “U.S. Asking Rents Rose 0.4% in February—A Small Increase, But the First in 6 Months” - https://www.redfin.com/news/rental-tracker-february-2025/ Bisnow: “'Pure Chaos': Inside The CRE Fallout From DOGE's Slash And Burn Campaign” - https://www.bisnow.com/national/news/office/doge-gsa-lease-termination-cancellation-impact-brokers-owners-128504 Urban Institute: "The Implications of Shrinking the Federal Workforce by DOGE's Recommended 75 Percent" - https://www.urban.org/urban-wire/implications-shrinking-federal-workforce-doges-recommended-75-percentMarcus & Millichap: “High-Speed Cycles Require Long-Term Thinking” - https://www.marcusmillichap.com/research/videos/high-speed-cycles-require-long-term-thinking CRE Daily, John Burns Research and Consulting: “Fear and Greed Survey, Q1 2025, ” - https://cdn.credaily.com/uploads/2025/03/Burns-CRE-Daily_Fear-and-Greed-Index-Chartbook_2025-03-with-ad.pdf Berkadia: “Investor Confidence in Multifamily Sector Remains Strong for 2025, Despite Economic Challenges” - https://berkadia.com/wp-content/uploads/2025/03/2025-Multifamily-Investor-Sentiment-Survey.pdf Download Gray Capital's latest report: ⁠https://www.graycapitalllc.com/window/⁠Sign up for our free multifamily newsletter here: ⁠https://www.graycapitalllc.com/newsletter⁠ DISCLAIMERS: This video does not constitute professional financial advice and is for educational/entertainment purposes only. This video is not an offer to invest. Any offering would be made through a private placement memorandum and would be limited to accredited investors.

This week Yonah Freemark of the Urban Institute is back again for Part 2 of our annual discussion.  This week we make predictions! We look at what we predicted last year and what might happen in 2025. +++ Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

  The Friday Five for March 7, 2025: Starbucks and Dunkin' Spring 2025 Menus Amazon Announces Alexa+ Changes to MA and Part D Disaster/Emergency SEP Effects of ACA Subsidy Expiration by Demographic Clarification on HHS Proposed Rule Comment Periods   Starbucks and Dunkin' Spring 2025 Menus: Beams, Sophia. “Dunkin' Brings Back Two Fan-Favorite Drinks Just in Time for Spring.” Bhg.Com, Better Homes & Gardens, 5 Mar. 2025, www.bhg.com/dunkin-spring-menu-2025-11690288. Tyko, Kelly. “Dunkin' Spring Menu Launches, Nondairy Surcharge Removed.” Axios.Com, Axios, 5 Mar. 2025, www.axios.com/2025/03/05/dunkin-spring-menu-2025-dunkalatte-pistachio-coffee. “New Iced Cherry Chai Joins Lavender Drinks on Starbucks Spring Menu.” About.Starbucks.Com, Starbucks, 3 Mar. 2025, about.starbucks.com/stories/2025/new-iced-cherry-chai-joins-lavender-drinks-on-starbucks-spring-menu/. Palan, Michael. “We Tried Starbucks' New Spring Menu Items, and These 2 Drinks Stole the Show.” Tastingtable.Com, Tasting Table, 3 Mar. 2025, www.tastingtable.com/1801587/starbucks-reserve-new-spring-menu-2025-drinks-food/.   Amazon Announces Alexa+: “50 Things to Try with Alexa+.” Aboutamazon.Comt, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-top-features. Haselton, Todd, et al. “Amazon Alexa Event Live Blog: All the News from the Keynote.” Theverge.Com, The Verge, 26 Feb. 2025, www.theverge.com/news/618261/amazon-alexa-event-live-blog-2025. Panay, Panos. “Introducing Alexa+, the next Generation of Alexa.” Aboutamazon.Com, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-generative-artificial-intelligence. Diaz, Maria. “Not All Echo Devices Will Get Alexa+ Initially - See If Yours Made the List.” Zdnet.Com, ZDNET, 28 Feb. 2025, www.zdnet.com/article/alexa-plus-will-run-on-select-echo-devices-see-if-yours-is-on-the-list/. Ellis, Cat. “Want to Try Alexa+? Here Are the Echo Devices It'll Work On.” Techradar.Com, TechRadar, 27 Feb. 2025, www.techradar.com/home/smart-speakers/want-to-try-alexa-plus-here-are-the-echo-devices-itll-work-on. Aten, Jason. “With Its AI-Powered Alexa+, Amazon Just Put Apple on Notice.” Inc.Com, Inc, 26 Feb. 2025, www.inc.com/jason-aten/with-its-ai-powered-alexa-plus-amazon-just-put-apple-on-notice/91153371. Stanley, Alyse. “You Can Get Alexa+ Early — Here's How to Sign up.” Tomsguide.Com, Tom's Guide, 1 Mar. 2025, www.tomsguide.com/ai/you-can-get-alexa-early-heres-how-to-sign-up.   Changes to MA and Part D Disaster/Emergency SEP: Crowe, Edward. “New Medicare FEMA SEP Rules.” Pfsinsurance.Com, Pinnacle Financial Services, 29 Jan. 2025, pfsinsurance.com/blog/new-medicare-fema-sep-rules-crowe-associates. “Change to Beneficiary Use of the SEP for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency.” Cms.Gov, Centers for Medicare & Medicaid Services, 3 Dec. 2024, 20178637.fs1.hubspotusercontent-na1.net/hubfs/20178637/42%20ea%20-%20Product%20Profile.pdf.   Effects of ACA Subsidy Expiration by Demographic: Lambrew, Jeanne. “Enhanced ACA Marketplace Tax Credits Worked—And Shouldn't Be Eliminated.” Tcf.Org, The Century Foundation, 7 Aug. 2024, tcf.org/content/commentary/enhanced-aca-marketplace-tax-credits-worked-and-shouldnt-be-eliminated/. Richards, Carson, and Sara  R. Collins. “Enhanced Premium Tax Credits for ACA Health Plans: Who They Help, and Who Gets Hurt If They're Not Extended.” Commonwealthfund.Org, Commonwealth Fund, 18 Feb. 2025, www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans. Sullivan, Jennifer. “Enhanced Tax Credits Keep ACA Marketplace Coverage Affordable for 2025.” Cbpp.Org, Center on Budget and Policy Priorities, 18 Nov. 2024, www.cbpp.org/blog/enhanced-tax-credits-keep-aca-marketplace-coverage-affordable-for-2025. “How Much More Would People Pay in Premiums If the ACA's Enhanced Subsidies Expired?” Kff.Org, KFF, 18 Dec. 2024, https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/ Ortaliza, Jared, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” Kff.Org, KFF, 26 July 2024, www.kff.org/affordable-care-act/issue-brief/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/. Banthin, Jessica, et al. “Who Benefits from Enhanced Premium Tax Credits in the Marketplace?” Urban.Org, Urban Institute, June 2024, www.urban.org/sites/default/files/2024-06/Who_Benefits_from_Enhanced_Premium_Tax_Credits_in_the_Marketplace.pdf. Lo, Justin, and Cynthia Cox. “Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies If Enhanced Tax Credits Are Not Extended?” Kff.Com, KFF, 28 Feb. 2025, www.kff.org/policy-watch/who-might-lose-eligibility-for-affordable-care-act-marketplace-subsidies-if-enhanced-tax-credits-are-not-extended/.   Clarification on HHS Proposed Rule Comment Periods: “Compilation of the Social Security Laws.” Ssa.Gov, Social Security Administration, www.ssa.gov/OP_Home/ssact/title18/1871.htm. Accessed 5 Mar. 2025. “HHS Rescinds Policy Regarding Notice-and-Comment Rulemaking – Implications for Health Care Industry.” Www.Hoganlovells.Com, Hogan Lovells, 3 Mar. 2025, www.hoganlovells.com/en/publications/hhs-rescinds-policy-regarding-noticeandcomment-rulemaking-implications-for-health-care-industry. “Policy on Adhering to the Text of the Administrative Procedure Act.” Federalregister.Gov, Federal Register, 3 Mar. 2025, www.federalregister.gov/documents/2025/03/03/2025-03300/policy-on-adhering-to-the-text-of-the-administrative-procedure-act. Goldman, Maya. “RFK Jr. Move to Kill Public Comment Roils Providers.” Axios.Com, Axios, 3 Mar. 2025, www.axios.com/2025/03/03/rfk-transparency-rule-elimination-fallout. Cueto, Isabella. “RFK Jr. Moves to Eliminate Public Comment on HHS Decisions.” Statnews.Com, STAT, 28 Feb. 2025, www.statnews.com/2025/02/28/rfk-jr-eliminating-public-comment-hhs-decisions-richardson-waiver/. Muoio, Dave. “RFK Jr. Orders HHS to End ‘extra-Statutory' Notice, Public Comment Process in Rulemaking.” Fiercehealthcare.Com, Fierce Healthcare, 3 Mar. 2025, www.fiercehealthcare.com/regulatory/rfk-jr-orders-hhs-end-notice-public-comment-process-rulemaking. Howe, Amy. “Supreme Court Strikes down Chevron, Curtailing Power of Federal Agencies.” Scotusblog.Com, SCOTUSblog, 26 July 2024, www.scotusblog.com/2024/06/supreme-court-strikes-down-chevron-curtailing-power-of-federal-agencies/.   Resources: Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651 FAQs About Registering with Ritter Insurance Marketing: https://ritterim.com/blog/faqs-about-registering-with-ritter-insurance-marketing/   How To Better Market Yourself: https://ritterim.com/blog/how-to-better-market-yourself/   Medicare Advantage Open Enrollment Do's and Don'ts: https://lnk.to/oRft1p SNP Summit Registration is Live: https://lnk.to/asgf20250228   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

This week we're joined once again by Yonah Freemark of the Urban Institute to discuss his annual transit project updates at Transit Explorer. In Part 1, we talk about housing strategies for properties near transit, exciting transit openings in 2025, and which cities could use a subway project. We also talk about government deference to local officials and how we can better use public assets to create more housing. +++ Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

Inside Economics was fortunate to have Trump whisperer John Carney of Breitbart News join the podcast to provide his insight on the Trump administration's efforts to rework government and reshape economic policy. Urban Institute scholar Jim Parrott helped guide the conversation. Listeners will get a wildly different perspective from that provided by Robert Reich of UC Berkeley on the podcast last week. Hopefully, these back-to-back podcasts on Trump's policies help put things into clearer relief. Guests: John Carney, Finance and Economics Editor at Breitbart & Jim Parrott, Nonresident Fellow at the Urban Institute If you would like to read more, check out the resources below:John Carney's Time to Put Tax Cuts on the Front BurnerMark Zandi's U.S. Outlook: Wealth EffectHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's AnalyticsMarisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X', BlueSky or LinkedIn @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn

Jacob Bogage, Congressional economics correspondent at The Washington Post, andJoseph Rosenberg, senior fellow at the Urban Institute's Tax Policy Center, offer analysis of the Republicans budget plan, how it may or may not advance President Trump's legislative agenda and what it might mean for his tax cuts.

In these BONUS episodes of Daughterhood the Podcast, Daughterhood Founder Anne Tumlinson joins Rosanne to bring the caregiving conversation to a different level as we're joined by change leaders and policy experts. Today we speak with Howard Gleckman, senior fellow at the Urban Institute, where he is affiliated with the Tax Policy Center and the Retirement Policy Program. He speaks and writes frequently on aging and caregiving, as well as on tax policy. Howard is the author of Caring for Our Parents: Inspiring Stories of Families Seeking New Solutions to America's Most Urgent Health Care Crisis, as well as two blogs—TaxVox and Caring for Our Parents which you can find on Forbes.com. In 2016, I was a named one of the nation's top 50 Influencers in Aging by Next Avenue. Today, we discuss the recent changes in Washington regarding potential cuts to Medicaid, changes to Medicare, drug production, The Older Americans act, the ACA and much more. EPISODE TRANSCRIPT Daughterhood

  The Friday Five for February 21, 2025: Golden Birthday Cake Oreos Return Amazon Kindle Update RFK Jr. Confirmed as HHS Secretary ACA Navigator Program Funding Cut Nursing Home Demand Projections   Golden Birthday Cake Oreos Return: Fink, Bailey. “Oreo Is Releasing 2 New Flavors—and Making One Permanent.” Allrecipes.Com, Allrecipes, 18 Feb. 2025, www.allrecipes.com/oreo-new-cookies-february-2025-11680020. Bivins, Kenn. “Oreo Just Brought Back a ‘GOAT' Flavor That Has Fans ‘Beyond Excited.'” Parade.Com, Parade, 19 Feb. 2025, parade.com/food/oreo-golden-birthday-cake-returns-2025. Robledo, Anthony. “Oreo Reveals New Flavors: Double Chocolate Cakesters and Golden Birthday Cake.” USA Today, Gannett Satellite Information Network, 19 Feb. 2025, www.usatoday.com/story/money/food/2025/02/18/oreo-new-flavors/79126601007/.   Amazon Kindle Update: Liszewski, Andrew. “Amazon's Killing a Feature That Let You Download and Backup Kindle Books.” Theverge.Com, The Verge, 14 Feb. 2025, www.theverge.com/news/612898/amazon-removing-kindle-book-download-transfer-usb. “Download Your Kindle Books ASAP - before Amazon Kills This Feature next Week.” Zdnet.Com, ZDNET, 18 Feb. 2025, www.zdnet.com/article/download-your-kindle-books-asap-before-amazon-kills-this-feature-next-week/. Younker, Scott. “Hurry! Download Your Kindle eBooks before Amazon Won't Let You Anymore.” Tomsguide.Com, Tom's Guide, 19 Feb. 2025, www.tomsguide.com/tablets/e-readers/hurry-download-your-kindle-ebooks-before-amazon-wont-let-you-anymore. Heinzman, Andrew. “Kindle Is Making It Harder to Switch to Rival eReader Brands.” Howtogeek.Com, How-To Geek, 14 Feb. 2025, www.howtogeek.com/kindle-discontinues-download-transfer-via-usb/.   RFK Jr. Confirmed as HHS Secretary: Simmons-Duffin, Selena. “RFK Jr. Confirmed as Trump's Health Secretary, over Democrats' Loud Objections.” Npr.Org, NPR, 13 Feb. 2025, www.npr.org/sections/shots-health-news/2025/02/13/nx-s1-5294591/rfk-jr-trump-health-human-services-hhs-vaccines. Weber, Lauren, and Rachel Roubein. “RFK Jr. Confirmed, Elevating Anti-Vaccine Activist to Nation's Top Health Post.” Washingtonpost.Com, Washington Post, 13 Feb. 2025, www.washingtonpost.com/health/2025/02/13/robert-kennedy-hhs-secretary-confirmation-vote/. Beavins, Emma, and Dave Muoio. “RFK Jr. Sworn in as Head of HHS Following 52-48 Senate Vote.” Fiercehealthcare.Com, Fierce Healthcare, 13 Feb. 2025, www.fiercehealthcare.com/regulatory/senate-confirms-rfk-jr-head-hhs-52-48-vote. Cueto, Isabella. “Robert F. Kennedy Jr. Confirmed by Senate as U.S. Health Secretary.” Statnews.Com, STAT, 13 Feb. 2025, www.statnews.com/2025/02/13/rfk-jr-confirmed-hhs-secretary-vote-vaccine-critic-to-top-trump-health-official/.   ACA Navigator Program Funding Cut: Pestaina, Kaye. “A 90% Cut to the ACA Navigator Program.” KFF.Org, KFF, 18 Feb. 2025, www.kff.org/quick-take/a-90-cut-to-the-aca-navigator-program/. “Biden-Harris Administration Awards $100 Million to Navigators Who Will Help Millions of Americans — Especially in Underserved Communities — Sign Up for Health Coverage.” CMS.Gov, Centers for Medicare and Medicaid Services, 26 Aug. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-awards-100-million-navigators-who-will-help-millions-americans. “CMS Announcement on Federal Navigator Program Funding.” CMS.Gov, Centers for Medicare & Medicaid Services, 14 Feb. 2025, www.cms.gov/newsroom/press-releases/cms-announcement-federal-navigator-program-funding. Tong, Noah. “CMS Slashes ACA Navigator Program Funding 90% to $10M.” Fiercehealthcare.Com, Fierce Healthcare, 14 Feb. 2025, www.fiercehealthcare.com/payers/cms-slashes-aca-navigator-program-funding-10-million.   Nursing Home Demand Projections: “CDC WONDER Database.” Wonder.Cdc.Gov, Centers for Disease Control and Prevention, https://wonder.cdc.gov/. Accessed 18 Feb. 2025. Shuman, Taylor. “How Will America's ‘Silver Tsunami' Impact Demand for Nursing Homes?” SeniorLiving.Org, SeniorLiving.org, 23 Jan. 2025, www.seniorliving.org/nursing-homes/nursing-home-demand-projections/. Berger, Chloe. “The Boomer Housing Crisis Is Pacing to Get Even Worse: ‘We've Never Had a Population Pyramid That Looks like This.'” Msn.Com, MSN, 12 Feb. 2025, www.msn.com/en-us/money/realestate/the-boomer-housing-crisis-is-pacing-to-get-even-worse-we-ve-never-had-a-population-pyramid-that-looks-like-this/ar-AA1yUKUG. “The US Population Is Aging.” Urban.Org, Urban Institute, www.urban.org/policy-centers/cross-center-initiatives/program-retirement-policy/projects/data-warehouse/what-future-holds/us-population-aging. Accessed 18 Feb. 2025. “State Health Facts: Average Number of Certified Nursing Facility Beds.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/average-number-of-certified-nursing-facility-beds/. “State Health Facts: Total Number of Certified Nursing Facilities.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/number-of-nursing-facilities/.   Resources: 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131  Best eBook & Audiobook Apps: https://lnk.to/WsIGZ5 Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647 MedicareCENTER FAQs: https://lnk.to/asg645 PlanEnroll FAQs: https://lnk.to/asg646  The Postseason Game Plan for Agents: https://lnk.to/asgf20250214   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Not affiliated with or endorsed by Medicare or any government agency.

Despite decades of progress in geriatric care, too many older adults still struggle to receive the reliable, evidence-based care they deserve. In this episode, Dr. Terry Fulmer, President of the John A. Hartford Foundation, and Faith Mitchell, an Institute Fellow at the Urban Institute, discuss the development of age-friendly health systems and the ongoing challenges in ensuring older adults receive high-quality, evidence-based care. Dr. Fulmer highlights the "four M's" framework (What Matters, Medications, Mentation, and Mobility) as a way to simplify and scale age-friendly practices, benefiting over 4 million older adults in the U.S. Sustained partnerships, government initiatives, and long-term philanthropic support have been essential in spreading this movement globally. Equity and accountability are central, ensuring all health care staff contribute to reliable, harm-free care for every older adult, regardless of background. While challenges like increasing diversity and system coordination persist, there is optimism in innovations like AI and a growing commitment to improving care for aging populations. Tune in to learn how a global movement is transforming care for older adults! About CareQuest: CareQuest Institute for Oral Health is a national nonprofit dedicated to creating an oral health care system that is accessible, equitable, and integrated. Learn more about how their advocacy, philanthropy, research, and education are creating a better oral health system at carequest.org/turnonthelights Learn more about your ad choices. Visit megaphone.fm/adchoices

All aboard for Pivot's special series on the future of travel, examining the big changes coming to the way we get around the world! Will 2024 be the year that high-speed rail becomes reality in the United States? How did the U.S. get so far behind other countries? And what cities have the best train systems? On this episode, Kara and Scott talk trains with Yonah Freemark, the principal research associate at the Urban Institute, who also writes the blog, The Transport Politic. Follow Yonah at @yfreemark Follow us on Instagram and Threads at @pivotpodcastofficial. Follow us on TikTok at @pivotpodcast. Send us your questions by calling us at 855-51-PIVOT, or at nymag.com/pivot. Learn more about your ad choices. Visit podcastchoices.com/adchoices