Podcasts about values

This is a free preview of a paid episode. To hear more, visit andrewsullivan.substack.com(It's the July 4th holiday. The full Dish — including my weekly column and the window contest — will return next Friday. Happy Independence Day!)Walter is the Leonard Lauder Professor of American History and Values at Tulane. He's the former CEO of the Aspen Institute, where he is now a Distinguished Fellow, and he's been the chairman of CNN and the editor of Time magazine. He's currently a host of the show “Amanpour and Company” on PBS and CNN, a contributor to CNBC, and the host of the podcast “Trailblazers, from Dell Technologies.” The author of many bestselling books, the one we're discussing this week is Benjamin Franklin: An American Life.As Walter says on the pod, my invitation to him to come talk about Franklin spurred him to propose writing a new, second brief book on Franklin's meaning for America, especially his hatred of “arbitrary power.” For two clips of our convo — on why Franklin opposed a one-person presidency, and his brutal rift with his son William — head to our YouTube page.Other topics: raised in NOLA in a diverse neighborhood; his work during the recovery from Katrina; Michael Lewis and Nick Lemann as NOLA contemporaries; Harvard in the ‘70s; the benefits of being an outsider; Franklin as the 10th son of a Puritan immigrant in Boston; indentured to his brother as a printer's apprentice; running away to Philly; his self-taught genius; his 13 Virtues; his many pseudonyms; Poor Richard's Almanack; poking fun at the elite; his great scientific feats; giving away the patents for his inventions; becoming the most famous American abroad; leaving his wife in Philly; his philandering; struggling to hold the empire together as a diplomat in London; humiliated by elites in the Cockpit in Westminster; returning to Philly as a fierce revolutionary; seeing his son William stay loyal to the Crown as governor of NJ; embracing William's abandoned son; securing an alliance with France and its crucial navy; the deism of the Founders; balancing faith and reason; power vs arbitrary power; Trump's daily whims (e.g. tariffs); the separation of powers; judicial review; private property as a check against tyranny; the commons; Posse Comitatus; the Marines in L.A.; Congress ceding power to Trump; the elites' failure over Iraq and Wall Street; and the dangers of cognitive sorting.Browse the Dishcast archive for an episode you might enjoy (the first 102 are free in their entirety — subscribe to get everything else). Coming up: Edward Luce on America's self-harm, Tara Zahra on the revolt against globalization after WWI, Thomas Mallon on the AIDS crisis, and Johann Hari turning the tables to interview me. Please send any guest recs, dissents, and other comments to dish@andrewsullivan.com.

I want to hear your thoughts about the show and this episode. Text us here...In this raw and deeply personal episode, I share a story that stopped me in my tracks... being called an anti-Semite for standing up for what I believe in and for speaking up against Alligator Alcatraz. But instead of backing down, I want to lean into truth, integrity, and my own values.This is a reflection on the legacy of a woman who embodied true confidence: the unforgettable Hat Lady. From personal heartbreak to profound life lessons about generosity, resilience, and living in alignment with your values, this episode is a timely reminder that confidence isn't about being understood; it's about knowing who you are.As a life coach for women, I don't always get it right. I want to let others know it is okay to stand for what they believe. You will always have people who criticize you, attack you for your beliefs, and write you off as a crazy woman. Will it be easy? No... in the end, attacks say more about the other person than it does about you.That is their choice. Your choice is to stay true to your values. This is an invitation to join a supportive community of purpose-driven entrepreneurs who are creating an impact in the world.A mastermind is a community of peers who exchange ideas, provide support, and offer sound advice for running a successful business.Join the Confident YOU Mastermind now at https://goconfidentlyservices.myflodesk.com/confidentyoumastermindSupport the showOther helpful resources for you: For more about me and what I do, check out my website. Are you ready to get some help with:Podcast launch/re-launchPodcast growth, to increase your authority and position yourself as the thought leader you are. Or Leveraging your podcast to build your online biz and get more clientsSign up for a FREE 30 minute Confident Podcast Potential Discovery Call In this session I will: Identify the pain point that is holding you back. Suggest a next step strategy for solving the pain point.https://calendly.com/goconfidentlycoaching/30-minutes-free-coaching-sessioin Then we will talk about working together to accelerate the process. Do you want a podcast audit? Check out this link If you're looking for support to grow your business faster, be positioned as an authority in your industry, and impact the masses, schedule a call to explore if you'd be a good fit for one of my coaching programs. Thank you for listening to our podcast. Please Subscribe! ...

What does it take to transform a 500-person staffing company and restore profitability while maintaining high engagement and renewed purpose? In this episode of The Resilient Recruiter, you'll hear how one leader rebuilt culture and strengthened organizational performance through people-first leadership, without sacrificing values or authenticity. After joining the company as a trainee in 2001, Matthew Wragg eventually became CEO in 2022. In this conversation, he shares the inside story of the business transformation at Gattaca PLC: removing executive offices, tying leadership bonuses to employee engagement, and launching a new cultural framework that turns values into specific, observable behaviors. We also dive into his personal lessons from two decades in recruitment, including the wins and mistakes that shaped his approach to growth, leadership, and resilience. Episode Highlights [05:46] How Matthew got into recruitment and why he stayed with one company [14:23] From trainee to CEO: lessons in ambition and internal branding [22:00] The £30M deal they lost—and how they won it back [30:55] Using culture and values to improve employee engagement [46:01] Removing executive offices and linking pay to engagement scores [49:48] How “Changing Up the Game” became a strategic reset during COVID [52:18] Aligning the team around clear, behavioral definitions of company values [59:29] How Gattaca is thinking about AI adoption Losing a £30M Dealand Using It to Win Future Business Matthew shares how Gattaca lost a £30M contract despite having the experience, pricing, and capability. The reason? They didn't take the time to understand the client. He took responsibility, re-engaged with the customer over 12 months, and eventually won the deal back—this time at a 70% higher price. This loss prompted a shift in sales culture: more discovery, less assumption; more trust, less volume. It was a turning point in how Gattaca approached strategic selling. How Culture and Values Fueled Gattaca's Turnaround When Matthew stepped in as CEO, the company was struggling with flat growth and low engagement. His first move was to prioritize people. He eliminated glass offices to flatten hierarchy and increase visibility. He began weekly internal video updates and tied 10% of leadership compensation to employee engagement. He personally reviews hundreds of anonymous employee comments each month—starting with the negatives. Over two years, this helped shift Gattaca from 58% detractors to 58% promoters, even in a tough market. How Gattaca's “DNA Deck” Turned Culture into Performance To make values actionable, Gattaca launched a “DNA deck” that defines specific behaviors tied to each value. These are reviewed quarterly and fully integrated into performance management—alongside sales and effort metrics. One example: “Be brave enough to tell the truth, but kind enough to say it the right way.” Each principle includes examples of “what good looks like” so there's no ambiguity. No one can top-score on performance if their behavior doesn't align with the culture. Matthew Wragg – Bio & Contact Matthew Wragg is CEO of Gattaca PLC with 23+ years in recruitment. Starting as a trainee in 2001, he progressed through senior leadership roles before becoming CEO in 2022. He has led Gattaca through an organizational reset focused on purpose, vision, and values—prioritizing sustainable growth, employee engagement, and cultural clarity. Matthew on LinkedIn Gattaca PLC Website Gattaca on Instagram Connect with Mark Whitby Book a FREE 30-minute strategy call Mark on LinkedIn Instagram | Facebook | Twitter Subscribe to The Resilient Recruiter on your favorite platform.

Welcome to the powerful conclusion of our three-part series, "Switch Hats, Not Values - Leading with Clarity and Sanity!" In this reshared episode of the Leadership Sandbox, Tammy J. Bond brings it all home by diving into the crucial concept of the various 'hats' leaders wear and why understanding them is paramount for effective communication and healthy team dynamics. Tammy reiterates and expands on the five distinct leadership hats: the foundational Values Hat, the visionary Leader Hat, the decisive Boss Hat, the often-tricky Friend Hat, and the action-oriented Just Do It Hat. She explains how each hat plays a crucial role in your leadership style and how to navigate the challenges of transitioning between them – especially when moving from peer to leader. This episode provides practical insights on balancing different leadership styles with clarity, ensuring your values guide every decision, and ultimately building stronger team trust and empowerment. Don't miss this wrap-up that brings the entire series together! Key Takeaways for Leaders: Diverse Roles, Different Hats: Recognize that leaders wear different hats that represent distinct leadership roles and responsibilities, all influencing team dynamics. Values as Foundation: The Values Hat is foundational; your core values should guide all decision-making and leadership styles. Clarity in Communication: Visualizing and communicating which leadership hat you're wearing brings immense clarity to your team, enhancing team performance. The Empowerment vs. Directive Balance: Understand when to put on the Leader Hat (vision, empowerment) versus the Boss Hat (direct, immediate action) for optimal management. Navigating the "Friend Zone": Learn the challenges of the Friend Hat in leadership and why setting boundaries is essential to avoid confusion and maintain professional respect. Urgency & Action: The Just Do It Hat emphasizes the importance of decisive, urgent action when the situation demands it. Building Trust: Consistently wearing the appropriate hat and communicating clearly enhances team trust and fosters a positive work environment. In This Episode, You'll Learn: An overview of the five essential leadership hats and their significance in team dynamics. How your values serve as the bedrock of your effective leadership. Strategies for balancing different leadership styles without compromising your core principles. Practical ways to ensure clarity in communication regarding your leadership roles. Insights into navigating the complexities of leading former peers and the "friend" dynamic. The benefits of visualizing leadership roles for both personal self-awareness and team understanding. Chapters: 00:00 Introduction and Overview of the Five Hats: A brief introduction to the concept of leadership hats. 02:24 Chapter 1: The Values Hat: Delving into why values are at our foundation as leaders. 07:08 Chapter 2: The Leader Hat: Understanding the role of vision and empowerment in leadership. 10:31 Chapter 4: The Friend Hat: Discussing the challenges and necessary boundaries when balancing friendship and leadership roles. 16:29 Chapter 5: Balancing the Friend and Leader Hats: Practical advice on navigating the delicate balance of different leadership styles. 20:10 Chapter 7: Visual Aids and the Power of Hats: How visualizing these leadership roles enhances clarity for you and your team. 24:56 Chapter 8: Building Trust and a Positive Work Environment: The ultimate outcome of understanding and effectively wearing your leadership hats for better team dynamics and trust. Ready to master your leadership roles and lead with clarity? Tune into this essential reshared episode of the Leadership Sandbox with Tammy J. Bond! Listen or Watch Now: bondgroupenterprises.com/podcast

Leadership's echo effect shapes dental practice culture far more than we realize. As practice owners, even when we're not actively leading, our behavior creates rippling effects that influence team dynamics long after we've left the building.True practice culture isn't what you declare in mission statements or team meetings—it's the accumulation of every feeling your team members have about working in your practice. These feelings develop through countless small interactions where your actual behaviors either reinforce or contradict your stated values. A deep sigh when interrupted, multitasking during conversations, or inconsistently holding people accountable all send powerful unspoken messages that can undermine everything you claim to stand for as a leader.Ready to create a practice that runs smoothly with less stress and higher profits? Consider joining our September mastermind where we'll help you build leadership skills and systems that create positive cultural echoes throughout your practice.Text us your feedback! (please note: we cannot respond through this channel)) The 2025-2026 DPH Mastermind is now taking applications! Make this the year you decided to create the practice you've always dreamed about!Take Control of Your Practice and Your Life We help dentists take more time off while making more money through systematization, team empowerment, and creating leadership teams. Ready to build a practice that works for you? Visit www.DentalPracticeHeroes.com to learn more.

In this episode of The Todd Huff Show, Todd breaks down the sweeping “One Big Beautiful Bill” just passed by the Senate—with a razor‑thin senate tie, brought over by J.D. Vance. He objectively reviews its major provisions: permanent extension of the 2017 Tax Cuts and Jobs Act, a raised SALT deduction cap to $40,000, increased tax breaks for seniors, tips, and overtime, and a $4 trillion debt‐ceiling raise projected to add $2.4–$3.3 trillion to the deficit over ten years. Todd walks through spending boosts for defense and border security, rural hospitals, and nuclear programs, but also analyzes cuts to Medicare, Medicaid, food stamps, green energy, and funding blocks for Planned Parenthood and state AI regulations. He addresses the heated debate over the CBO's static deficit scoring and Trump's claim that more growth, tighter welfare, tariff revenues, and private sector expansion could offset added debt. Scratch the surface: how will this affect the 2030 census, electoral power, and state budgets? With insights into the political fallout—Trump vs. Elon Musk on third‑party threats—Todd delivers smart, conservative analysis without the bitterness. Don't miss Todd's veteran take on this pivotal legislation.Key Takeaways:– Permanent 2017 tax cut extension– SALT deduction now up to $40K– Increased deductions for seniors, tips & overtime– Deficit blowout risk: CBO estimates $2.4–$3.3T in 10 years– Major defense, border, rural health investments– Harsh cuts on Medicare, Medicaid, SNAP– Restriction on Planned Parenthood funding via Medicaid– Federal preemption on state AI rules– Debate: static vs dynamic economic impact scoring– 2030 Census & electoral power tied to immigration policySponsor/Partner Links:Heart‑health supplement: [Soltea – use promo code TODD for 50% off + free shipping]Custom branding: [Red, White & Branded – code TODD for 10% off + free shipping]Values‑aligned investing: [48Financial.com/Todd – free assessment]Patriot‑friendly business directory: [FreedomMarketplace.net]

Is workplace well-being a strategic advantage or simply a leadership nicety? In this episode, Kevin Eikenberry sits down with Paula Davis to discuss the seismic shifts reshaping our workplaces, including the lasting impacts of the pandemic, ongoing debates about hybrid work, generational expectations, and the rise of AI. Paula makes a case for adopting new mindsets over merely acquiring new skills. These include Sticky Recognition and Mattering, ABC Needs, Workload Sustainability, Systemic Stress Resilience, and Values and Team Alignment. Paula also addresses the deeper root causes of workplace stress, such as unmanageable workloads, lack of recognition, and organizational unfairness. Listen For 00:00 Introduction 00:08 Workplace wellbeing overview 00:42 Podcast welcome and live events 01:30 About the book Flexible Leadership 01:57 Guest introduction – Paula Davis 04:41 Paula's journey and burnout story 06:21 Why the book matters now 08:34 Why focus on mindsets 10:11 People and performance focus 13:08 Research insights on high-performing organizations 15:05 Root causes of stress and disengagement 16:21 Six root causes explained 20:15 Why these issues matter more today 21:20 Overview of the five mindsets 22:06 Sticky recognition and mattering 24:29 ABC needs: Autonomy, Belonging, Challenge 25:23 Workload sustainability 28:27 Systemic stress resilience 30:15 Summary: human and teaming practices 31:12 What Paula does for fun 32:37 Book recommendation 34:01 Where to find Paula and the book 35:03 Final thoughts and call to action  Paula's Story: Paula Davis JD, MAPP, is the author of Lead Well: Five Mindsets to Engage, Retain and Inspire your Team. She is the founder and CEO of the Stress & Resilience Institute. For 15 years, she has been a trusted advisor to leaders in organizations of all sizes helping them to make work better. Paula is a globally recognized expert on the effects of workplace stress, burnout prevention, workplace well-being, and building resilience for individuals and teams. Paula left her law practice after seven years and earned a master's degree in applied positive psychology from the University of Pennsylvania. She is also the author of Beating Burnout at Work: Why Teams Hold the Secret to Well-Being & Resilience, which was nominated for best new book by the Next Big Idea Club. Paula has shared her expertise at educational institutions such as Harvard Law School, Wharton School Executive Education, and Princeton. She is a two-time recipient of the distinguished teaching award from the Medical College of Wisconsin. She has been featured in and on The New York Times, O, The Oprah Magazine, The Washington Post and many other media outlets. Paula is also a contributor to Forbes, Fast Company and Psychology Today. https://stressandresilience.com/ https://www.linkedin.com/in/pauladavislaack/ https://www.instagram.com/stressandresilience/ https://x.com/pauladavisSRI   This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.      Book Recommendations Lead Well: 5 Mindsets to Engage, Retain, and Inspire Your Team by Paula Davis Beating Burnout at Work: Why Teams Hold the Secret to Well-Being and Resilience by Paula Davis Why Workplace Wellbeing Matters: The Science Behind Employee Happiness and Organizational Performance by Jan-Emmanuel De Neve and George Ward  Like this? The Leader's Role in Employee Engagement with Michael Lee Stallard Understanding Employee Engagement with Jacqueline Throop-Robinson Beating Burnout at Work with Paula Davis A Practical Guide for Building Engagement with Brian Hartzer Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group   Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP  

Are you stuck in a cycle of constant effort with little progress in your business?If you're craving more income, impact, and time freedom—but you're exhausted by doing “all the things”—this conversation with 8-figure entrepreneur and business strategist Kelly Roach is exactly what you need.Kelly shares how discipline, clarity, and a simple one-hour daily strategy called the Miracle Hour can completely transform your business results. We explore the practical mindset shifts and revenue-focused actions that helped her grow her company while keeping faith and family at the center.In this episode, we talk about how to:☑️ Eliminate distraction and focus on what actually grows your business☑️ Build true freedom through structured habits and intentional discipline☑️ Use simple, no-cost strategies—like direct offers and connection—to generate consistent incomeIf you've been feeling overwhelmed or unsure where to put your energy, this episode will help you reconnect with your vision, simplify your path forward, and finally get the traction you've been looking for.Stop overcomplicating success. Start showing up with intention and alignment. Let's Spiral Up.⭐ Don't forget to leave a review, drop a comment and check out the resources below!More About Kelly:Kelly Roach is one of the only female founders in the online space to build her company from 0 to 8 figures with 0 debt, investors, or outside funding. Kelly is a former NFL cheerleader and Fortune 500 executive turned 8-figure+ entrepreneur empowering thousands around the globe to achieve financial and lifestyle freedom through entrepreneurship.Kelly is a multi-international best-selling author, Top 20 podcast host, and philanthropist who has been featured in major media such as ABC, NBC, Fox, and Forbes - as well as the recipient of prestigious awards such as #287 on the Inc. 5000 list, The Stevie® Awards Woman of the Year, TITAN CEO of the Year, and Inc.'s Best in Business.Website: https://kellyroachinternational.com/Podcast: https://podcasts.apple.com/us/podcast/the-kelly-roach-show/id1052353755Books: https://www.amazon.com/stores/author/B01BUMNVZ2HOW I CAN SUPPORT YOU:

On today's episode, we have Prince Shaker (he/him) join us for a conversation about how the personal is the political. Together we talk about embracing the inevitability of change, deconstructing our unconscious conditioning, and the anarchy of sexual liberation.

In this episode of the Carl Jackson Show, the host discusses the alarming statistic that only 36% of Democrats are proud to be American, raising concerns about the implications for national identity and values. He delves into the political landscape, particularly focusing on Zoran Mamdani, whom he views as a representation of radical ideologies infiltrating the Democrat party. The conversation also touches on legislative updates, including the ongoing negotiations in the Senate, and the generational shifts in patriotism, particularly among younger Americans. Jackson warns of the dangers posed by these trends and the potential for radical ideologies to take root in the U.S. Facebook: https://www.facebook.com/carljacksonradio Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow Instagram: https://www.instagram.com/thecarljacksonshow http://www.TheCarlJacksonShow.com See omnystudio.com/listener for privacy information.

In a world filled with doubt, distraction, and pressure to walk away from truth, how can we stand firm in our faith and speak boldly about what matters most? In this episode, Amanda Idleman talks about growing deep roots in Christ, building our identity in God’s Word, and learning to share His truth with confidence and courage, right where we are. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

In this episode of the Carl Jackson Show, the host discusses the alarming statistic that only 36% of Democrats are proud to be American, raising concerns about the implications for national identity and values. He delves into the political landscape, particularly focusing on Zoran Mamdani, whom he views as a representation of radical ideologies infiltrating the Democrat party. The conversation also touches on legislative updates, including the ongoing negotiations in the Senate, and the generational shifts in patriotism, particularly among younger Americans. Jackson warns of the dangers posed by these trends and the potential for radical ideologies to take root in the U.S. Facebook: https://www.facebook.com/carljacksonradio Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow Instagram: https://www.instagram.com/thecarljacksonshow http://www.TheCarlJacksonShow.com See omnystudio.com/listener for privacy information.

Navigating Emotional Avoidance in DivorceIn this illuminating episode of How to Split a Toaster, family law attorney Seth Nelson and Pete Wright explore emotional avoidance during divorce with expert guest Dr. Michelle Maidenberg, a specialist in mindfulness and emotional resilience.Understanding Values in ConflictDr. Maidenberg explains how our core values shape divorce decisions and reactions. Values aren't just what we claim to prioritize—they reveal themselves through our actions and emotional triggers. When two values conflict, such as financial security versus family time, the resulting tension often drives divorce disputes.Breaking Down Emotional AvoidanceThe conversation delves into how emotional avoidance manifests during divorce proceedings. Dr. Maidenberg describes various avoidance tactics people employ, from repression to distraction, while explaining how these coping mechanisms can ultimately hinder healing and resolution.Practical Tools for Emotional RegulationDr. Maidenberg introduces therapeutic approaches including EMDR (Eye Movement Desensitization and Reprocessing) for managing divorce-related trauma and anxiety. She emphasizes the importance of finding the right therapeutic relationship and approach for individual needs.Key Insights:Identify conflicting core values to better understand emotional reactions during divorceSet appropriate boundaries around communication to maintain emotional stabilityWork with qualified professionals to develop personalized coping strategiesThe Role of Professional SupportThe episode highlights how legal counsel and mental health professionals can work together to support clients through divorce. Seth Nelson shares practical strategies for managing difficult communications, while Dr. Maidenberg offers therapeutic perspectives on processing divorce-related emotions.Plus, the conversation explores how different therapeutic modalities—from CBT to mindfulness-based approaches—can help individuals navigate divorce's emotional challenges while staying true to their values.This episode provides valuable insights for anyone seeking to better understand and manage their emotional responses during divorce, while offering practical tools for maintaining stability throughout the legal process.Links & NotesFind Michelle on her website, LinkedIn, X, Instagram, Facebook, and YouTubeCheck out Michelle's book “Ace Your Life: Unleash Your Best Self and Live the Life You Want”Schedule a consult with SethGot a question you want to ask on the show? Click here! (00:00) - Welcome to How to Split a Toaster (00:26) - Meet Dr. Michelle Maidenberg (01:01) - Emotional Avoidance (02:18) - Formative Values (06:36) - When in Distress (07:54) - In the Divorce Process (10:13) - Dealing with Fear (12:10) - Conflict of Values (16:56) - Values Charting (17:59) - Learning to Self-Regulate (23:19) - EMDR (27:20) - Finding the Right Therapist (29:36) - Finding Michelle (31:19) - Wrap Up

In this weeks' Scale Your Sales Podcast episode, my guest is Nick Buxton.   Nick has a background in engineering, 2x CRO, and 5x VP of Sales. Over the past 20 years I've worked my way up from individual contributor at seed, Series A- C, privately held, FTSE and NYSE listed tech companies. He is now helping tech companies deliver revenue transformation projects with a range of partners.   In today's episode of Scale Your Sales podcast, Nick shares his value-led growth approach and why breaking down silos between sales, marketing, and customer success is key to building customer-centric organizations. He and Janice explore the difference between solving user problems vs. business needs, the impact on go-to-market strategy, and the evolving role of CROs as AI and sales enablement continue to reshape the future of sales.   Welcome to Scale Your Sales Podcast, Nick Buxton.     Timestamps: 00:00 Product-Led Growth Challenges Explained 05:51 Embrace Product-Led Growth Strategy 07:09 Customer-Led Growth Insights 13:29 Sales Competency Deficit Analysis 14:41 Challenges in Building Sales Relationships 20:13 Improving Sales Leadership Competencies 22:08 Sales Enablement and CROs Alignment 25:20 Understanding Product Value Basics 28:31 Silent Quitting: Mutual Interview Necessity     https://www.linkedin.com/in/nick-buxton/     Janice B Gordon is the award-winning Customer Growth Expert and Scale Your Sales Framework founder. She is by LinkedIn Sales 15 Innovating Sales Influencers to Follow 2021, the Top 50 Global Thought Leaders and Influencers on Customer Experience Nov 2020 and 150 Women B2B Thought Leaders You Should Follow in 2021. Janice helps companies worldwide to reimagine revenue growth thought customer experience and sales.   Book Janice to speak virtually at your next event: https://janicebgordon.com LinkedIn: https://www.linkedin.com/janice-b-gordon/ Twitter: https://twitter.com/JaniceBGordon Scale Your Sales Podcast: https://scaleyoursales.co.uk/podcast More on the blog: https://scaleyoursales.co.uk/blog Instagram: https://www.instagram.com/janicebgordon Facebook: https://www.facebook.com/ScaleYourSales And more!   Visit our podcast website https://scaleyoursales.co.uk/podcast/ to watch or listen.

Justin Gregory Briggs, Ph.D., LMFT and his co-hosts talk about values. We often say we have values, but where we spend our time, energy, and resources tells the real story. This episode features Jessica Bare, Perry Lines, and Dr. Dave Morgan

You're showing up, doing the work, checking the boxes, but something feels…off. You're not falling apart, but you're not really okay either. And you're certainly not alone. This week on Hello Monday, Dr. Judith Joseph joins Jessi Hempel to name and unpack this experience: high functioning depression. Dr. Judith is a board-certified psychiatrist, researcher, and educator at Columbia and NYU. Her new book, High Functioning: Overcome Your Hidden Depression and Reclaim Your Joy, offers a roadmap for understanding and addressing a kind of mental health struggle that often goes unnoticed—and untreated. Together, Dr. Judith and Jessi explore: • What high functioning depression looks like—and how to recognize it in yourself and others • The five Vs method for healing: Validation, Values, Venting, Vitals, and Vision • The power of naming hard feelings like anhedonia • Why we must treat mental health as proactively as physical health • How small steps can help us reclaim joy This episode is a starting point for anyone who feels stuck in the motions but wants more from their life.

Reach out to Nathan to learn more about the Excellent Life program, an intentional way to grow in many different areas of your life with increased accountability and purpose!https://www.seekingexcellence.us/coaching-1.SummaryIn this Catholic Founders podcast episode, Nathan Crankfield shares his journey of faith and entrepreneurship, emphasizing the importance of pursuing excellence in all areas of life, including financial success. He discusses the challenges of balancing work, family, and personal growth while advocating for multiple streams of income. Nathan highlights the significance of having a vision for one's life and the role of financial stability in providing for a family and contributing to the community. He also offers practical advice on side hustles and the mindset needed to achieve success.Chapters00:00 Introduction and Background03:45 The Journey to Catholicism and Seeking Excellence18:17 Financial Responsibility and Multiple Income Streams24:57 Balancing Family Life and Side Hustles34:39 Staying True to Values in Business37:49 Pursuing Financial Success as a Catholic41:03 The Role of Fathers in Setting Standards50:08 Finding Your Side Hustle55:47 Long-term Vision and Personal GreatnessNotes From Episode Check out the Catholic Founders Podcast here: https://www.catholicfounders.com/podcast for more links to their Spotify, Substack, Youtube, and more!If you enjoyed this content, please follow this podcast and find us on your socials! LinkedIn: @seeking-excellenceTikTok: @nathancrankfieldYoutube: @seekingexcellence_Instagram: @seekingexcellence_Apple Podcasts: https://podcasts.apple.com/us/podcast/seeking-excellence-with-nathan-crankfield/id1528863617Spotify: https://open.spotify.com/show/3E5Y4v5btc2OGYuoWVbRGM?si=832c88f869484f09&nd=1&dlsi=01e09bb1226e4bacFind exclusive content on Locals as a paid or unpaid supporter: https://seekingexcellence.locals.com/.

Meredith Sims is a Chartered Financial Consultant, a Chartered SRI Counselor, and anindependent Financial Advisor specializing in holistic Financial Planning and Values-directed investing. She loves empowering women to step up and take charge of their money, helping them to build a solid financial foundation aligned with their values. Her love of nature and compassion for each living being drives her interest in spending and investing money in a meaningful and earth-friendly way. As an advisor, Meredith has long been interested in the subject of money from the perspective of conscious connection, using money as a tool and platform to support living a fully expressed life, whatever that may look like for each unique individual—building wealth and building a wealthy life. A spiritual seeker and artist at heart, Meredith came to Atlanta, GA by way of Perth,Brisbane, London, and Sydney. She believes in the beauty of seeing the individual, theinherent goodness in humanity and that living a fulfilled, joyful life is a birthright, while notnecessarily an immediate destination. She loves getting on a plane and travelingsomewhere, has been working on mastering the French language for many years and nodoubt will be for many more. She loves to garden, create, paint, and write, and her happyplace is on the water. She was a contributing author for the collaborativebooks Wholehearted Wonder Women, Courage, Confidence & Creativity at AnyAge and Wealth Codes, Sacred Strategies for Abundance. Her own book about money is acurrent work in progress.Contact Meredith Sims:My small group program – a 7-week Women's Money Circlewww.heartstrongwealthplanning.comLinkedIn/Facebook/HeartStrongWealthPlanningDr. Kimberley LinertSpeaker, Author, Broadcaster, Mentor, Trainer, Behavioral OptometristEvent Planners- I am available to speak at your event. Here is my media kit: https://brucemerrinscelebrityspeakers.com/portfolio/dr-kimberley-linert/To book Dr. Linert on your podcast, television show, conference, corporate training or as an expert guest please email her at incrediblelifepodcast@gmail.com or Contact Bruce Merrin at Bruce Merrin's Celebrity Speakers at merrinpr@gmail.com702.256.9199Host of the Podcast Series: Incredible Life Creator PodcastAvailable on...Apple: https://podcasts.apple.com/us/podcast/incredible-life-creator-with-dr-kimberley-linert/id1472641267Spotify: https://open.spotify.com/show/6DZE3EoHfhgcmSkxY1CvKf?si=ebe71549e7474663 and on 9 other podcast platformsAuthor of Book: "Visualizing Happiness in Every Area of Your Life"Get on Amazon: https://amzn.to/3srh6tZWebsite: https://www.DrKimberleyLinert.comThe Great Discovery eLearning platform: https://thegreatdiscovery.com/kimberleyl

Learn how General Mills takes strategy from concept into reality—all while standing for good.     General Mills CEO Jeff Harmening had the company pick 10 areas where it would “stand for good” and deliver meaningful impact, including regenerative agriculture and packaging reductions. What can other businesses learn about executing a strategy that delivers sustainable results for shareholders, customers, and the planet?     Join David Young and guest Jeff Harmening, CEO of General Mills, to find out why General Mills builds purpose into its strategy, how the company maintains its culture, and why Harmening didn't always dream of being a CEO.    The Leadership in Challenging Times discussions feature timely and insightful discussions with the outstanding CEOs who are recipients of CED's Distinguished Leadership Awards. Business leader honorees discuss the unprecedented challenges facing the nation and how they are helping chart a path forward for both their companies and communities in which they operate.       00:32 Meet Jeff Harmening: CEO of General Mills 01:18 Jeff's Career Journey and Leadership Values 03:48 The Accelerate Strategy: Driving Sustainable Growth 06:07 Standing for Good: General Mills' Purpose and Values 08:50 A Legacy of Philanthropy and Community Impact 10:10 Focusing on Key Initiatives: From 70 to 10 10:48 Regenerative Agriculture and Environmental Goals 12:39 Building a Culture of Belonging at General Mills 15:54 Conclusion and Final Thoughts   For more from The Conference Board:  CED Announces Recipients of Its 2025 Distinguished Leadership Awards  CED Distinguished Leadership Awards Celebration  Purpose Shapes Corporate Reputation More Than Innovation Does 

Femininity is a set of qualities, expressions, and energies traditionally associated with softness, empathy, intuition, receptivity, creativity, and nurturing, which can be embodied by people of any gender.    “People will forget what you said, people will forget what you did, but people will never forget how you made them feel.” Maya Angelou   Angela R. Lewis is the Head of Operations at SpeakerHub, leading a global team across four continents. Angela draws on her background in sports and executive leadership to help others build trust, lead with empathy, and communicate with clarity. She is a former professional basketball player, coach and author. Through her books and speaking, she empowers professionals to navigate change and lead with confidence—using her signature 6V Framework—on and off the court.   Favorite snack is popcorn.   Angela Lewis   LinkedIn   Instagram   YouTube   Music-"Homesick" Copyright 2018. Written by Shireen Amini. Produced by Shireen Amini and Mike Davidson of Plaid Dog Recording (Boston, MA).

Episode Overview: In this reflective and forward-focused episode, John Kitchens and Al Stasek dig deep into how to architect a truly impactful and fulfilling life as we move into the second half of the decade. Recorded on New Year's Eve, this powerful conversation explores what it means to live with intention, harness AI without losing authenticity, and build businesses (and lives) that align with our truest values. They unpack lessons from Patrick Bet-David's 2025 Planning framework, the story of Wally Pipp, the power of morning gratitude, and how to define your version of the perfect day. Whether you're feeling stuck, striving for more clarity, or ready to crush 2025, this episode is a must-listen reset. Key Topics Covered Thinking Long-Term: The 2030 Vision How to use decade-thinking to drive better daily decisions. Why asking "What won't change?" is more valuable than asking "What will?" AI as a team member, not a threat—how the consumer, not the tech, is evolving fastest. The Wally Pipp Lesson: Show Up Every Day The iconic story of how missing one day changed baseball history forever. Why consistency and mental resilience are the keys to long-term success. Building Emotional Fitness & Awareness The hidden cost of mental distractions: How much of your year are you losing? Developing self-awareness through daily journaling and gratitude habits. The Perfect Day Exercise How to uncover your core identity and build a life around it. Why your perfect day includes work—and how that shapes your business goals. Use it as a decision-making filter for who you spend time with and what you say yes to. Soft Skills, Conflict Resolution & Leadership The 10 must-have CEO skills, and why conflict resolution is the one that amplifies them all. The link between hard conversations and improved persuasion, sales, and leadership. Mind Your Own Business: Boundaries and Emotional Intelligence How to set non-negotiable boundaries to protect your peace and productivity. Letting go of what others think and staying anchored in your own values. Bonus Insights Why “Calm is Contagious” is a leadership mantra for the next decade. How morning gratitude can reset your emotional center daily. The value of not just setting goals—but building the inner process that supports them. Resources Mentioned  Perfect Day Exercise by Frank Kern Buy Back Your Time by Dan Martell Choose Your Enemies Wisely by Patrick Bet-David Crucial Conversations (book) The Conflict Resolution Playbook CoachKitchens.ai Journaling tools: The Five-Minute Journal, custom gratitude planners Patrick Bet-David's 2025 Planning Session Recordings   “You want to get better at sales, leadership, and marketing? Start by mastering conflict resolution.” — John Kitchens   Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach   If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

If you take the time to identify what's highest on your values and begin to prioritize your life, you'll increase the probability of extending your life span. Dr Demartini explains how identifying what's most important to you can help you live a longer and more vitalized life!USEFUL LINKS:To Access the Show Notes go to: https://demartini.ink/44obncrWatch the Video: https://youtu.be/FH5PvXJAiFULearn More About The Breakthrough Experience: demartini.fm/experienceLearn More About The Demartini Method: demartini.fm/demartinimethodDetermine Your Values: demartini.fm/knowyourvaluesClaim Your Free Gift: demartini.fm/astroJoin our Facebook community: demartini.ink/inspiredMentioned in this episode:The Breakthrough ExperienceFor More Information or to book for The Breakthrough Experience visit: demartini.fm/seminar

Every purchase sends a message about what matters to you. Conscious consumerism means thinking about the impact of your purchases, from the people making your products to the footprint they leave behind.  As more shoppers look for ways to support brands that match their beliefs, making value-based choices feels more important than ever.  In this episode, you'll learn what conscious consumerism means for your daily routine and see easy steps to help you shop with purpose.

Josh Turley is CEO of RTA Fleet Management, a fleet management software company that his grandfather started in the 1980's and ran as a small family business for decades. Then Josh's father ran the business until 2015, never growing this slow, old-school business past $2 million in revenues. Josh had worked in the business before, but in 2016, Josh bought the business, to over as CEO and slowly began to make improvements—and mistakes—as they started to grow.  Josh had an ambition to grow the company and learn how to be a real CEO. They started retooling their code to build modern cloud software, investing heavily for many years. They transformed their leadership, staff, business model, pricing, marketing, tech stack, and culture as they grew faster. They also focused on state and local government fleets as they grew.  The bootstrapped company grew steadily, with 75 employees and a $15 million annual recurring revenue (ARR) run rate in 2024, supported by some debt. In 2025, Josh closed a $30 million investment round from Susquehanna Growth Equity, a practical growth equity investor that invests in steady SaaS businesses.  Josh is a long-time member of my Practical Founders CEO Peer Groups. He is an avid learner, attending conferences, reading books, hiring consultants, and continually seeking new knowledge.  In this episode, Josh also talks about: How difficult it was to transform an old business into a new one Why their Purpose, Values, and Mission drive successful hiring Why he chose to take on growth equity investors and de-risk with secondary investment Quote from Josh Turley, CEO of RTA “Every problem is a leadership problem. The biggest challenge in building a SaaS business is always the people—making sure you get the right people on the bus in the right seats. We're at 90 people now, and there's no way I can manage 90 people myself. As the CEO, it all starts with you, then your leaders.  “Most problems I see are because we got the wrong person in the wrong seat. You can't outrun that, regardless of how good the product is or how strong your financial model is. It will always catch up to you eventually, and that causes more problems than anything.  “When you get a leadership team to be 100% aligned with one another, it doesn't matter what the market's doing. It doesn't matter what the product is doing. It will figure itself out. It's a forcing function to get that alignment, and then you just can't be stopped at that point.” Links Josh Turley on LinkedIn RTA on LinkedIn RTA website Susquehanna Growth Equity website The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com.

We sit down with Patrick Terry, co-founder of P. Terry's Burger Stand, the retro-inspired fast food chain known for its clean ingredients, iconic design, and standout employee culture.Patrick shares the origin story of P. Terry's—from the first 527-sq-ft location in Austin to 35+ locations across Texas. We dig into what makes the brand different, how they've stayed true to their values, and why expanding doesn't mean compromising.Whether you're a burger fanatic, a budding entrepreneur, or just love a good underdog story, this one's for you.

Our values are precious. They define who we are as individuals. However, there will be times in our lives when those beliefs are challenged. In those moments, we might feel uncomfortable and unsure. When that happens, we can remind ourselves that we have the strength to stay true to our beliefs, no matter what anyone says.

In this powerful episode of Walk In Victory, host NaRon Tillman welcomes Kamran Loghman—founder of Rise of Giants, philosopher, inventor of pepper spray, and advocate for inner mastery—for a rich conversation on resilience, purpose, and the warrior spirit.Kamran shares his remarkable journey: from academic pursuits in philosophy to creating one of the most widely used inventions in modern defense. This episode explores how ancient warrior traditions can inform today's leadership, mindset, and self-development. Together, they reflect on values, ethics, neuroscience, failure, and balance as foundational pillars of a purpose-driven life.If you're navigating personal challenges, building a business, or simply seeking deeper meaning in your path, this conversation will equip you to rise as a giant. 

Dr. Diana Hill, PhD is a clinical psychologist and internationally recognized expert in Acceptance and Commitment Therapy (ACT) and compassion-based approaches to well-being. She is the host of the Wise Effort podcast and author of The Self-Compassion Daily Journal, ACT Daily Journal, and the forthcoming Wise Effort. Diana teaches individuals and organizations how to build psychological flexibility so they can live more aligned, courageous, and meaningful lives. I first discovered Diana and the transformative power of ACT through her course on using Acceptance and Commitment Therapy for eating and body image concerns. Her work opened a new doorway in my own recovery and professional practice, helping me integrate compassion, values, and embodiment into the healing process. Blending over twenty years of yoga and meditation practice with cutting-edge psychology, Diana brings a unique and deeply personal approach to well-being that is both science-based and spiritually grounded. Her insights have been featured in The Wall Street Journal, NPR, Woman's Day, Real Simple, and Mindful.org, and she's a regular contributor to Insight Timer and Psychology Today. When she's not walking and talking with therapy clients, Diana is likely tending to her garden, caring for her bees, or swimming in the ocean at sunrise with her two boys. Key Takeaways: 1. Movement ≠ Punishment • Diana shares how our relationship with movement is often shaped by shame, rules, and diet culture. • ACT invites us to reconnect with intrinsic values—like joy, connection, or vitality—rather than "shoulds."   2. From Motivation to Meaning • Dr. Hill outlines the three types of motivation: • Pleasure-seeking • Pain-avoidance • Values-based • Relying only on feeling “motivated” often backfires. Lasting behavior change is values-driven, not vibe-dependent.   3. Urge Surfing 101 • Urges feel like waves—we think they'll pull us under, but they always pass. • Practicing presence, noticing without acting, and riding the wave can build powerful inner trust over time.   4. Body Shame Needs Light + Air • Shame tells us to hide. ACT helps us bring curiosity and compassion to the parts we feel we “can't show.” • The antidote to shame is not “fixing” the body—it's learning to see it differently.   5. Phones, Dopamine & Distraction • Screen scrolling can become both a dopamine hit and an escape from discomfort. • Awareness + micro-boundaries with tech can gently shift us back toward the life we actually want to live.   6. Values Are Felt, Not Just Picked • Instead of just selecting values off a worksheet, ask: • When did I feel most alive yesterday? • When did I feel regret? These moments hold the clues to your deepest values.   7. Recovery is a Process of Discovery • Movement and food freedom are journeys of returning to self—not performance. • Progress is nonlinear and personalized. Flexibility, not perfection, is the goal.  

What's stopping your work from shipping? It's probably not the design itself. This week, I chat with Guy Segal about the soft skills that make the biggest difference—giving feedback, earning trust, and aligning with your team when things get tough.What if the biggest reason your designs aren't making it to production has nothing to do with design?You know your work is solid. You've put in the hours, iterated on the flow, and covered every edge case. But when it comes time to hand it off or get sign-off, something breaks. It stalls, gets picked apart, or falls flat. Sound familiar?In this episode, I sit down with Guy Segal—design leader and host of Design Downtime—to talk about why “soft skills” are the hardest part of UX, and how improving them can be the difference between your designs shipping or collecting dust. We cover how to give better feedback, how to handle misalignment without blowing things up, and what it actually means to be someone your team wants to work with.This conversation is a must-listen if you've ever felt like good design work wasn't enough. Because it isn't. The way you show up—how you talk to people, how you build trust, how you respond to tension—is what moves the work forward.Topics:• 00:00 – Introduction: The Human Side of Software• 00:37 – Welcome to Beyond UX Design• 00:44 – Promotions and Sponsorships• 02:31 – The Importance of Relationships in Software• 02:57 – Interview with Guy Siegel: Building Great Relationships• 04:09 – Challenges in Team Dynamics• 05:26 – Empathy and Communication in Teams• 13:00 – Feedback Framework for Better Team Collaboration• 28:58 – Aligning Team Goals and Values• 32:45 – Establishing Team Values and Hiring Practices• 33:27 – Importance of One-on-Ones and Setting Expectations• 35:06 – Empathy and Communication in Design• 36:08 – Feedback and Continuous Improvement• 37:09 – Challenges in Designer-Engineer Collaboration• 38:21 – Managerial Insights and Team Dynamics• 43:09 – Building Strong Work RelationshipsHelpful Links:• Design Downtime• Connect with Guy on LinkedIn—Thanks for listening! We hope you dug today's episode. If you liked what you heard, be sure to like and subscribe wherever you listen to podcasts! And if you really enjoyed today's episode, why don't you leave a five-star review? Or tell some friends! It will help us out a ton.If you haven't already, sign up for our email list. We won't spam you. Pinky swear.• ⁠⁠⁠⁠⁠Get a FREE audiobook AND support the show⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Check out show transcripts⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Check out our website⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Subscribe on Apple Podcasts⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Subscribe on Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠Subscribe on Stitcher⁠⁠

Welcome to Part 2 of our series, "Switch Hats, Not Values - Leading with Clarity and Sanity!" In this candid episode of the Leadership Sandbox, Tammy J. Bond and Kendall Peterson dive deep into the diverse 'hats' leaders juggle daily. They unpack the inherent challenges of balancing these different leadership roles and underscore the paramount importance of clarity in communication. Tammy and Kendall explore the often tricky 'Freeder' role—where the lines between friendship and leadership can blur—and why leaders absolutely must own their roles to maintain respect and foster effective team dynamics. This conversation is a masterclass in personal growth, emphasizing that authentic leadership requires continuous self-awareness and the courage to set boundaries. Discover the profound impact of mentoring on leadership development and learn how adapting your leadership style with clarity and confidence can transform your team and your impact. Key Takeaways for Leaders: Role Recognition: It's crucial to recognize and consciously "name" the different leadership roles you play to bring clarity to yourself and your team. The "Freeder" Trap: Understand how blending friendship and leadership (the 'Freeder' role) can create confusion, erode trust, and hinder effective communication. Clarity is King: Clarity in expectations and directives is fundamental for healthy team dynamics, reducing stress and fostering efficiency. Own Your Authority: Leaders must own their roles with confidence and intention to earn genuine respect and guide their teams effectively. Mentorship Matters: Mentoring is a non-negotiable component of leadership development, offering invaluable guidance for personal growth. Values as a Guide: Your core values should always guide your leadership style, especially when navigating difficult conversations. Embrace Feedback & Growth: Strong leaders are open to feedback and continuously adapt their leadership style to better serve their team and the situation. In This Episode, You'll Learn: How to identify and define the various leadership hats you wear. Strategies for avoiding the pitfalls of the 'Freeder' role in your team dynamics. Techniques for enhancing communication clarity within your team. The significance of establishing clear boundaries to maintain professionalism and reduce friction. Why mentoring is an essential accelerator for personal growth in leadership. How to approach difficult conversations with confidence and a focus on resolution. Chapters: 00:00 Understanding the Hats We Wear: Exploring the different leadership roles leaders take on daily. 04:57 The Challenge of Blending Roles: Diving into the complexities of balancing various hats and the 'Freeder' role. 11:01 Communicating with Clarity: Practical insights on achieving clear and effective communication in leadership. 15:54 Navigating Leadership Changes: Strategies for adapting your leadership style and maintaining stability during transitions. 20:17 Leading with Clarity and Mentorship: The vital connection between intentional leadership and the power of mentoring for professional development. Ready to gain clarity, own your leadership roles, and lead with unwavering sanity? Learn More: bondgroupenterprises.com

What do you do when the world feels like it's falling apart and you still have a business to run?In this raw and powerful conversation, Rachel D'Souza from Gladiator Consulting opens up about navigating one of the most challenging years in recent memory. From losing a third of projected revenue when Black-led clients had funding pulled, to making the choice to double down on values instead of backing down, Rachel shares what it really looks like to lead with courage when everything feels impossible.But this isn't just a story about surviving crisis—it's about the radical decision to choose community over competition, transparency over pretense, and love over fear. Rachel breaks down the practical strategies she's using to keep her team together, the emotional toll of leadership during unprecedented times, and why she believes "community is survival."Whether you're struggling with how to show up authentically in your business right now, wondering if you should tone down your values to protect revenue, or just need to hear that you're not alone in feeling like the world has gone completely sideways, this conversation will remind you why doing the right thing—even when it's hard—is always worth it.Highlights:Crisis reveals your true values—and that's your competitive advantage. When Rachel's business faced significant revenue loss, doubling down on equity and justice messaging didn't hurt her business—it attracted clients who specifically sought them out because they trusted Rachel's values and approach.Radical transparency builds stronger teams. Rachel's weekly staff meetings include discussions about cash flow, revenue projections, and the reasoning behind difficult decisions. This vulnerability has created a team culture where people proactively find solutions and support each other through challenges.Business development timelines are longer—plan accordingly. What used to be predictable revenue streams now require patience and relationship-building. Rachel went from knowing her full year's revenue by May to having conversations in June about work that won't start until January.Community over competition creates sustainable growth. Instead of hoarding opportunities, Rachel actively refers work to other values-aligned consultants and builds referral networks. This collaborative approach has created a stronger pipeline for everyone involved."Enough" is a business strategy. Rachel's commitment to having "enough" rather than maximizing profit has allowed her to make decisions based on values rather than pure financial gain—from taking compensation cuts to ensure team stability to closing for three weeks every summer for rest and family time.Resources MentionedConnect with Rachel:LinkedIn: Search for Rachel D'Souza or Gladiator ConsultingInstagram: @gladiatorrds (for cooking content with her kids!)Website: gladiatorrds.com (sign up for their monthly newsletter)Connect with Cindy:Cindy Wagman Coaching: cindywagman.comFractional Fundraising Network: fractionalfundraising.co/LinkedIn: ca.linkedin.com/in/cindywagmanConnect with Jess:Out In the Boons: outintheboons.meLinkedIn: linkedin.com/in/jesscampbelloutntiheboons/

Empowering the Poor/How to Help the Poor No entrepreneur wants to envision the poverty and suffering many people around the world experience daily.  As business owners, we are problem-solvers.  But some kinds of problems seem too big to fix. Our guest doesn't believe that the world suffers from a lack of resources.  But rather, it suffers from systems that keep people in poverty.  He is involved in “The World's Greatest Experiment”, with proof that love can break those barriers. Our guest, Aidan Uttinger, supports a non-traditional charity model, TWGE “The World's Greatest Experiment” that empowers communities by showing they have something deeply valuable to share with the world - their love.  This model is built on three pillars - intentional giving, heart-based meditation, and transparent impact - that create impact while uplifting your life. RESOURCES MENTIONED ON THIS PODCAST: Aidan Uttinger, Founder, The World's Greatest Experiment https://theworldsgreatestexperiment.com/ CHRISTIAN BIZ OWNERS ON FIRE RESOURCES: Free Report, Five Steps to Create a Sustainable Business Balancing Profit, Values, and Quality of Life: Step-by-step Video Training for Faith-based and Spiritual Business Owners.:  If you think Christina might be the right resource for you, but if you have a few questions, direct message her on LinkedIn or via the contact page on her website with the phrase, ‘READY TO THRIVE”, and we can start a conversation.  LinkedIn:  Christina M. Weber, M.S. Christian Biz Owners on Fire  Ready to rock your vision and get your transformation started right now, schedule your Manifesting Your Vision Session with Christina. Check out Christina's Book, “The Catholic Women's Guide to Healthy Relationships: 12 Supernatural Keys to Make Good Relationships Great and Improve Difficult Ones,”  Subscribe to the Christian Biz Owners on Fire podcast on your favorite platform: — iTunes (Apple)   -- Audible  — Listen Notes   -- Spotify   __ Podbay  __ Radio Public  __ Tune In  __ Amazon Music  __ American Podcasts  Christian Biz Owners on Fire Podcast YouTube Channel Stay in touch with me! Website & Blog:     Gab.com   Instagram Christianbizownersonfire    LinkedIn   Minds.com @Christianbizownersonfire  https://www.minds.com/christianbizownersonfire/   Threads.com   X Christina M Weber   Pinterest Christian Biz Owners on Fire   YouTube Christian Biz Owners On Fire YouTube Channel Christian Biz Owners on Fire Podcast YouTube Channel   Rumble Christian Business and Life Coach/Entrepreneurial Consultant  #christianbizownersonfire  #ChristinaMarieWeber #poverty  

The 2024 UK General Election was nothing short of exceptional. Labour achieved one of the largest majorities in the history of the House of Commons — yet on the lowest vote share ever recorded for a winning party. Meanwhile, the Conservatives suffered their most devastating defeat in modern political history.In this episode, we unpack the seismic shifts that led to this remarkable result. Why did the vote fragment across so many parties? What drove the electorate's choices in this cycle? And what happened to the underlying dynamics of voting behavior?To explore these questions, we turn to a special issue of The Political Quarterly, our partner journal, which dives into the election's implications and causes in depth.Joining us are three distinguished contributors to that issue:Professor Jane Green – Professor of Political Science and British Politics, University of OxfordProfessor Paula Surridge – Professor of Political Sociology, University of BristolMarta Miori– Research Officer on British Electoral Behaviour, PhD candidate at the University of ManchesterTogether, they provide expert insights into both the immediate drivers of the 2024 result and the longer-term transformations reshaping UK politics.Mentioned in this episode:Miori, M. and Green, J. (2025), The Most Disproportionate UK Election: How the Labour Party Doubled its Seat Share with a 1.6-Point Increase in Vote Share in 2024. The Political Quarterly, 96: 37-64.Surridge, P. (2025), Values in the Valence Election: Fragmentation and the 2024 General Election. The Political Quarterly, 96: 26-36. UCL's Department of Political Science and School of Public Policy offers a uniquely stimulating environment for the study of all fields of politics, including international relations, political theory, human rights, public policy-making and administration. The Department is recognised for its world-class research and policy impact, ranking among the top departments in the UK on both the 2021 Research Excellence Framework and the latest Guardian rankings.

As the summer continues, we want to help you make the RIGHT PICKS in your fantasy football drafts so you WIN your FANTASY FOOTBALL CHAMPIONSHIP

Overview: We explore the complexities of trust, cultural values, and intergenerational dynamics within the Filipino community, especially in accessing mental health and healthcare services. We discuss how deep-rooted traditions like family obligation, community support, and the stigma surrounding mental health influence care-seeking behaviors across generations. Through community-driven initiatives like Little Manila Rising, we highlight how culturally rooted, trauma-informed approaches—such as engaging churches, honoring ancestral spaces, and providing culturally competent care—foster healing, advocacy, and stronger relationships between healthcare providers and the community. Three Takeaways: Leveraging Churches and Food as Cultural ConnectorsBoth Hannah and Raj highlight practical strategies for bridging generational divides: churches are vital hubs for reaching elders (who may trust faith leaders more than therapists), while food acts as a unifier across age groups, providing a non-threatening entry point for community dialogue and engagement. Healing Hinges on Intergenerational Dialogue and Community-Led SpacesSpaces intentionally created for both young and old to share—such as wellness panels and focus groups—are potent for mutual understanding. There's a recurring theme that healing happens when the community is not just “served” but is leading and hosting the work, drawing on ancestral memory and lived experience Culturally Responsive Healthcare Goes Beyond ‘Cultural Competency'Tessa and Hannah stress that healthcare providers must go beyond textbook cultural competency. This includes offering trauma-informed care, involving families in treatment, actively engaging with community organizations (like Little Manila Rising), and educating themselves rather than outsourcing the labor of education to the community. Providers who do this, even if not sharing ethnic identity with patients, can vastly improve trust and outcomes. Resources: ⁠Little Manila Rising⁠ Next Step: Visit our website, ⁠⁠⁠⁠Healthcare for Humans⁠⁠⁠⁠, and join our community to enjoy exclusive benefits at ⁠⁠⁠⁠https://www.healthcareforhumans.org/support/⁠⁠⁠⁠ Support Our Mission: Non-clinicians, explore exclusive content and contribute to our collective journey. Be an Active Participant: Go beyond listening. Shape our narrative by co-creating episodes with us. Be part of our community by visiting⁠⁠⁠⁠ https://www.healthcareforhumans.org/support/⁠⁠⁠⁠. Follow us on Instagram ⁠⁠⁠⁠@healthcareforhumanspodcast⁠⁠

Send us a textFeeling stuck in a cycle of diets that don't stick? Tired of wellness plans that clash with your real life? In this episode, I'm joined by wellness coach and author Erin Clifford for a much-needed wake-up call on what it really takes to feel strong, vibrant, and fulfilled in midlife and beyond. Erin shares powerful insights from her new book, Wellness Reimagined, and makes the case that lasting health doesn't come from restriction or perfection - it comes from living in alignment with your personal values. We explore:Why most diets fail (and what to do instead)How to uncover your core values and use them to fuel better healthThe myth of work-life balance - and what to aim for insteadSimple ways to create boundaries, practice self-care, and build routines that actually stick Why sleep, stress, and mindset matter just as much as food and fitnessWhat it really means to “ditch the diet” and thrive in your second act Whether you're burned out on one-size-fits-all programs or just want a more joyful, holistic path to better health, this episode is your permission slip to stop hustling for results and start living in alignment. Mentioned in This Episode:Erin's book: Wellness Reimagined: A Holistic Approach to Health, Happiness, and Harmony - https://www.amazon.com/Wellness-Reimagined-Holistic-Approach-Happiness/dp/1637634188/Erin's website: https://www.erincliffordwellness.comFollow Erin on Instagram: https://www.instagram.com/erinwellness/Follow Erin on Facebook: https://www.facebook.com/erincliffordwellness/Follow Erin on YouTube: https://www.youtube.com/@erincliffordwellness  Connect with The Silver Edge:Metabolism in a rut? Difficulty losing weight sustainably? Book a 30-minute call to get unstuck now! https://go.silveredgefitness.com/schedule/coaching-inquiry Follow us on Instagram: https://www.instagram.com/thesilver_edge/ If this episode inspired you, please share it with a friend, leave a review, and don't forget to subscribe so you never miss an episode!Want to rewrite the narrative of your life and health? Visit the link below to see if our 1:1 coaching services are a perfect fit for your long term goals: https://go.silveredgefitness.com/schedule/coaching-inquiry Want more over 50 health and wellness goodness? Check out our private Facebook group: https://www.facebook.com/groups/silveredgefitness

In Episode 197, Marsha discusses the challenges and importance of diversity, equity, and inclusion (DEI) in 2025. She reflects on how DEI has become politicized and polarized since her 2023 episode, noting the decline in corporate support.To access a full transcript of this episode, please visit http://www.marshaclarkandassociates.com/transcripts/recast-diversity-is-a-factTo find out more about Marsha or to purchase a copy of her book, "Embracing Your Power: A Woman's Path to Authentic Leadership & Meaningful Relationships," visit her website at www.marshaclarkandassociates.com.

In this episode, Dr. Rena Malik, MD is joined by Dr. Mohit Khera for an in-depth discussion about testosterone, erectile dysfunction, and men's overall health. The conversation explores the realities and myths of testosterone therapy, revealing which patients are most likely to benefit from treatment and the importance of evaluating underlying health conditions. Dr. Khera and Dr. Malik review recent clinical trials, address common misconceptions about testosterone's impact on erectile function, and highlight the significant role of lifestyle factors such as weight loss, sleep, and stress reduction in boosting testosterone levels naturally. Become a Member to Receive Exclusive Content: renamalik.supercast.com Schedule an appointment with me: https://www.renamalikmd.com/appointments ▶️Chapters: 00:00 Testosterone and Erectile Dysfunction 04:05 Major Clinical Trials Overview 08:57 Cardiovascular and Prostate Safety 12:48 Lifestyle Changes and Testosterone 17:29 Stress, Sleep, and Hormonal Health 21:00 Broader Health Impacts of Low Testosterone 25:15 Anabolic Steroids and Estrogen Management Stay connected with Dr. Mohit Khera on social media for daily insights and updates. Don't miss out—follow him now and check out these links! INSTAGRAM - https://www.instagram.com/drmohitkhera/?hl=en X - https://x.com/drmohitkhera?lang=en WEBSITE - https://drmohitkhera.com/ Let's Connect!: WEBSITE: http://www.renamalikmd.com YOUTUBE: https://www.youtube.com/@RenaMalikMD INSTAGRAM: http://www.instagram.com/RenaMalikMD TWITTER: http://twitter.com/RenaMalikMD FACEBOOK: https://www.facebook.com/RenaMalikMD/ LINKEDIN: https://www.linkedin.com/in/renadmalik PINTEREST: https://www.pinterest.com/renamalikmd/ TIKTOK: https://www.tiktok.com/RenaMalikMD ------------------------------------------------------ DISCLAIMER: This podcast is purely educational and does not constitute medical advice. The content of this podcast is my personal opinion, and not that of my employer(s). Use of this information is at your own risk. Rena Malik, M.D. will not assume any liability for any direct or indirect losses or damages that may result from the use of information contained in this podcast including but not limited to economic loss, injury, illness or death. Learn more about your ad choices. Visit megaphone.fm/adchoices

This Independence Day, while you are celebrating your earthly freedoms, remember the One who made a way for you to enjoy eternal freedom and commissioned you to proclaim the Good News to the poor in this generation. “Are not two sparrows sold for a penny? Yet not one of them will fall to the ground outside your Father's care. And even the very hairs of your head are all numbered. So don't be afraid; you are worth more than many sparrows.” -Matthew 10:29-31This devotional is from our book, The Wise Woman Enjoys.

It's time to BUILD YOUR BRAND!! Today we're building out your brand book as a content creator step-by step! To build your brand, check out UpWork ➡️ https://upwork.pxf.io/qzBg2O1!Today, I'm walking you through how to build your Summer 2025 Brand Book - your content identity, signature styles, brand vibe, weekly schedule, creator voice, profile, and more.This is the most important part of the SHORT-FORM SUMMER challenge and you're doing it with me

In our final sermon of the Values series, we discuss the role of a local church in the broader work of the church's mission. Having a perspective on what God is doing around the world is crucial for the support and work to which we commit ourselves.

In this episode of Leading to Profit with Kevin Bees, we welcome Joe Pane, a leading expert in human behaviour and emotional fitness. Joe delves into the principles of his bestselling book, Courage to BE YOU–Your Guide to Mastering Uncertainty, offering strategies for business owners to navigate uncertainty and build resilience.  Joe Pane—a human behaviour specialist and author of Courage to BE YOU – reveals how emotional fitness creates resilient leaders who outperform in chaos. Discover the framework used by 7,000+ coaches to turn uncertainty into a competitive advantage. Key Takeaways: Emotional Fitness Formula: Comprising five core components—Identity, Life Stages, Values, Emotional Flexibility, and Perspective—this formula aids in building resilience and navigating uncertainty. Ambition to Meaning: Transitioning from ambition-driven goals to meaning-driven objectives leads to sustainable success and personal fulfilment. Unconditional Love: Cultivating giving and receiving unconditional love enhances personal growth and attracts positive relationships. Spiritual Perspective: Maintaining awareness of a spiritual dimension provides valuable insight for overcoming challenges and fostering inner peace. Business Application: Implementing emotional fitness principles in business encourages genuine care for clients and team members, leading to improved relationships and organisational success. Resources:  Joe's site: www.joepane.com.au Joe's socials (LinkedIn, Facebook, and Instagram): @joepaneinsights   If you want to create a reliable cash flow for your business, I have some tools and resources that can help.   Take the Profit Scorecard (3 minutes) and identify where you are leaking profit now – click here.  

With the uncertain state of the economy right now, money is on most people's minds. Now is the perfect time to explore why our finances are so much more than “just numbers,” and how intricately emotions and money intertwine.My guest, Aja Evans, is a financial therapist and the author of the new book, Feel Good Finance. After noticing how often people in therapy sessions breeze past their money stresses, she set out to make talking through our financial concerns more commonplace. This one is certain to resonate—Aja's insights left me feeling like I'd just had a cathartic therapy session myself.Identify your financial priorities and values with Aja's expert advice:Why we need to consider our childhoods when thinking about money;How we can talk about money with our kids to set them up for their own financial futures;The hefty, wide-ranging impact of financial trauma (and why we need to address it);How to start figuring out our basic needs and making brave changes to get aligned.Related Links:Learn more about Aja's work - https://ajaevanscounseling.com/Get a copy of “Feel Good Finance” - https://bookshop.org/p/books/feel-good-finance-untangle-your-relationship-with-money-for-better-mental-emotional-and-financial-well-being-aja-evans/21301669Connect with Aja on Instagram - https://www.instagram.com/ajaetherapy/Listen to Hidden Brain, “Rewrite Your Money Story” - https://hiddenbrain.org/podcast/money-2-0-rewrite-your-money-story/TAKE ACTION with Bossed Up - https://www.bossedup.org/takeactionBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/

In this inspiring episode of Investing with Purpose, we sit down with Russell Hughes, a humble IHG member, creative force in the game development world, and faith-driven real estate investor. From a childhood shaped by a "starving artist" father and hard life lessons, to building successful gaming companies and getting his hands dirty flipping HUD homes, Russell's journey is anything but conventional.We explore how faith pulled him back from wayward paths, how he brings purpose into the work he does today, and how he's navigating the early stages of real estate investing with spiritual clarity. This episode is a powerful testament to aligning your calling with your career, and how ethical investing is not just possible—but purposeful.TakeawaysInvesting should reflect personal beliefs and values.Many Christians consider the ethical implications of their investments.Financial advisors play a crucial role in aligning investments with faith.Return and safety are important, but not the only factors.Ethical investments can lead to better alignment with core beliefs.Navigating ethical dilemmas is essential for faith-based investing.Investors should seek advisors who understand their values.Values-based investing can enhance personal fulfillment.Financial planning should incorporate ethical considerations.Investing wisely involves a holistic view of one's beliefs.TitlesFaith Meets Finance: A New Approach to InvestingInvesting with Integrity: Aligning Values and WealthChapters00:00 Introduction to Faith-Driven Investing01:21 Early Influences and Family Background03:02 Turning Points and Lessons Learned05:34 Faith and Values in Financial Decisions07:14 Purposeful Investments and Impact08:08 Navigating Profits vs. Principles10:29 Legacy and Wealth Transfer13:51 Community and Mentorship in Investing16:05 Dream Investments and Future Aspirations26:59 New ChapterRussell was born Texas to a loving mom and Starving Artist father who passed away when he was a young teen. After years of wayward living, Russell worked his way into the Game Development Industry and worked on several number 1 titles as well as helped start several game companies. Early on, he started buying HUD homes to do the slow flip while living in them. Russell notes that, along the way, God was not letting him slip away, He has always called him back into discipline no matter how much he strayed. He is amazing.Email: russsssman@gmail.comLinkedIn: linkedin.com/in/russellhughesIG: @russelllhughesConnect with UsAre you interested in joining a community of like-minded individuals who aspire to build true wealth through real estate passive investing? Go to IHG Investor Club to learn more!

Hey Winner, Today I want to invite you to pause and reflect before you build your next marketing plan. Not because strategy doesn't matter—but because if your strategy isn't aligned with your values, priorities, and season, it's going to be really hard to sustain. Rooting for you ~ Gabe   New to the podcast? Start here: https://redhotmindset.com/podcast-start/   LISTEN TO HEAR:

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. 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Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  52:22   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text GRE TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

The Learning Leader Show with Ryan Hawk Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. www.InsightGlobal.com/LearningLeader Larry Connor is an entrepreneur, non-profit activist investor, and adventurist. In business, he is best known for founding The Connor Group, a real estate investment firm, and growing it from $0 to $5 billion in assets. Outside of work, Larry lives an adventurous life. Within a 12 month period Larry did something that had never been done before. He completed 3 dives to the deepest part of the ocean (the Mariana Trench) AND traveled to the International Space Station as an astronaut. In addition to that, Larry is a private pilot and was part of a Le Mans racing team that has won championships. “At The Connor Group, we don't have, and never will have, a mission statement. We have culture. When you have the latter, the former is not necessary.” The culture is built on 5 core values, on which we don't compromise: Do the right thing People count Live the Circle of Success Think long-term, not short-term Relentless pursuit of excellence “We exist, quite simply, to be the best.” “We don't hire for experience. We don't hire for knowledge. We don't care where you went to school. We hire for personality traits. Especially in leadership roles. You have to have the big 6. You have to have all 6. They are: 1. Be able to motivate and inspire others. 2. Self-accountability and ability to hold others accountable in an honest, direct manner. 3. Organizational multi-tasking. The speed of the game is fast. 4. Cultural fit. 5. Grit. Doing the thing that others say are impossible. 6. Work orientation. If you want to come in at 8:30, take a 90-minute lunch, and leave at 4:30, The Connor Group is not for you. “People never outperform their own self-image. So aim high!” “Mediocre people don't like high achievers and high achievers don't like mediocre people.” “By definition, if you want to be exceptional, you have to be different. If you're like everybody else, you're going to end up like everybody else.” In 2008, Larry said, “We simply decided we weren't going to participate in the global recession.” 3 P's - People, Plan, Process People's performances are measured through daily, weekly, and monthly IAMs (Individual Accountability Meetings). Clear expectations and clear management. When I asked him about becoming a billionaire, Larry immediately jumped to the impact he's having on others. “There are far more important standards than money. How well have you treated your associates? Have you made them better people? How much have you done to help other people? Have you made a difference?” All of that is available to all of us regardless of us being a billionaire or not. The company headquarters are next door to a hangar that houses a working model of the “Wright B Flyer” - The Wright Brothers' first production airplane.

Fantasy Football show for June 17, 2025. Bust and value picks for the upcoming fantasy football season! Andy, Mike, and Jason each pick players they are worried about. Plus, players who look like major values in 2025 fantasy football drafts! Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast.2025 ULTIMATE DRAFT KIT is available now at UltimateDraftKit.com(00:00) Introduction(03:10) NFL News(11:09) Fantasy Football Busts(12:22) Patrick Mahomes(19:32) Cooper Kupp(26:11) David Montgomery(34:20) Fantasy Football Values(35:40) Joe Mixon(41:46) Travis Etienne(48:26) George PickensConnect with the show:Subscribe on YouTubeVisit us on the WebSupport the ShowFollow on XFollow on InstagramJoin our Discord