Podcasts about Vanguard

Pat Lencioni discusses how to tap into your genius to make work more fulfilling and energizing.— YOU'LL LEARN — 1) How to stop feeling ashamed of your weaknesses2) The six types of working genius3) The real reason why so many professionals are burning outSubscribe or visit AwesomeAtYourJob.com/ep1135 for clickable versions of the links below. — ABOUT PAT — Pat is one of the founders of The Table Group and is the pioneer of the organizational health movement. He is the author of 13 books, which have sold over 9 million copies and been translated into more than 30 languages.As President of the Table Group, Pat spends his time speaking and writing about leadership, teamwork, and organizational health and consulting with executives and their teams. After more than twenty years in print, his classic book, The Five Dysfunctions of a Team, remains a fixture on national best-seller lists. His most recent book, The Six Types of Working Genius, was released in September 2022, and he is also the host of the popular business podcast, At The Table with Patrick Lencioni.• Assessment: Working Genius Assessment (use code: AWESOME for 20% off)• Book: The 6 Types of Working Genius: A Better Way to Understand Your Gifts, Your Frustrations, and Your Team• Podcast: At the Table Podcast• Podcast: The Working Genius Podcast• Website: TableGroup.com• Website: WorkingGenius.com— RESOURCES MENTIONED IN THE SHOW — • Book: Be Healed by Bob Schuchts• Book: Brother Odd: An Odd Thomas Novel by Dean Koontz• Past episode: 552: The Foundational Principle that Separates Good Leaders from Bad Ones with Pat Lencioni• Past episode: 707: Amy Edmondson on How to Build Thriving Teams with Psychological Safety— THANK YOU SPONSORS! — • Monarch.com. Get 50% off your first year on with the code AWESOME.• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Shopify. Sign up for your $1/month trial at Shopify.com/betterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As European leaders have struggled to find a unified response to the US-Israel war in Iran, Pedro Sanchez has stood out as a voice of dissent. He said in a televised address last week: “The position of the government of Spain can be summarised in three words: no to war.” The Spanish Prime Minister and US President have butted heads on many issues; the war in Gaza, immigration and defence spending among them, but in the past week their relationship got even more fiery, with Donald Trump threatening to cut off all trade with Spain. What makes Sanchez willing to stand up to Trump? And will his gamble be worth it? Guy Hedgecoe, a reporter for the BBC based in Madrid, joins us to discuss. Producers: Hannah Moore, Valerio Esposito and Chris Benderev Executive producer: Bridget Harney Mix: Travis Evans Senior news editor: China Collins Photo: Spanish Prime Minister Pedro Sanchez delivers a speech during closing ceremony of the 'Spain, Vanguard in the Green Industry', in Madrid, Spain, 08 September 2025. Credit: Daniel Gonzalez/EPA/Shutterstock.

On a new episode of Weekend Conversations on the Elevate Podcast, host Robert Glazer and producer Mick Sloan discuss the concept of flip-flopping. While this practice is often derided, especially in politics, Robert and Mick break down why changing your mind is often a good think, as long as that change is messaged with principles and transparency. ⁠Read the post discussed in this episode: Flip Flopper (#526)⁠ Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠⁠⁠ Notion: ⁠⁠⁠notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

Send a textI am your host, Neo Griot, and this is Episode 272 of the Rational Black Thought Podcast.  This week's title is “Living under my greatness / What don't kill me is motivation.”  by Anderson Paak and the Vanguard.The full lyrics I want to reference are: “I spent years being called out my name-Living under my greatness-But what don't kill me is motivation. My faith is buried somewhere underneath the town (Until it's paid for)”  There are seasons where your life feels like it's happening in the shadows: misunderstood, misnamed, mismeasured. You're still growing, but not in ways other people can see yet. That's “living under my greatness.” The work is real before the applause is real.  And then there's the other half: “what don't kill me is motivation.” Not because pain is noble, but because endurance teaches structure. It forces you to get serious: about what you believe, what you tolerate, what you build, and what you will no longer explain.  This is a clarity episode. If you came for lullabies, try religion. Intro: Quote of the Week: A. Philip Randolph Unmasking the News: Democracy Watch: Trump: Wars and Rumors of WarsThe Primaries, the “Electability” Religion, and the Base You Keep Treating Like Servants Religious Corruption: “God's Anointed” vs. Basic Human Decency Good News Build the Block Again Strategies for Black Power: Organizing for Greatness Reflections and Call to Action: Closing/Outro:Sources:https://www.armscontrol.org/pressroom/2026-02/illegal-us-israel-attacks-not-justifiable-nonproliferation-groundshttps://www.offmessage.net/p/jasmine-crocketts-partisanship-washttps://nypost.com/2026/03/02/us-news/pastor-caught-shoving-elderly-woman-down-steps-of-la-church/https://wlos.com/news/local/amazing-america-250-preserving-asheville-black-business-district-community-african-american-civil-war-reconstruction-businesses-neighborhoods-eagle-market-street-ymi-cultural-center-table-mic-podcasting-symbol-media-heritagePower Concedes Nothing without a Demand...

#695: The U.S. lost 92,000 jobs in February, pushing unemployment to 4.4 percent.That result contradicts a different report released two days earlier showing 63,000 jobs added, leaving economists trying to square the circle. Many agree that we're in a "low hire, low fire" jobs environment.We walk through several major economic stories using a three-layer framework: the household economy, markets and policy, and long-term forces shaping the future.First, the household layer. Hiring has become uneven across sectors. Health care and education previously drove much of the job growth, but layoffs in those areas now appear in the data.Job openings have also fallen to 6.54 million, the lowest level since the pandemic began. Workers are switching jobs less often, and the pay bump for job-hopping has shrunk.Mortgage rates recently crossed 6 percent, influenced in part by rising Treasury yields and concerns about inflation. Gas prices climbed about 26 cents per gallon in a week, partly due to tensions affecting oil shipments through the Strait of Hormuz, which normally carries about one-fifth of global oil supply.The episode also looks at household finances. Six percent of workers in Vanguard plans took hardship withdrawals from their 401(k)s in 2025, up from five percent the year before. That increase suggests some households are leaning on retirement savings to manage financial stress.At the end of the episode, economist Dr. Ben Zweig, CEO of Revelio Labs, joins us to unpack the conflicting employment reports and explain why the labor market may look weaker than expected. He also discusses why health care hiring may be slowing and how economists interpret mixed signals across multiple labor data sources. (0:00) February jobs shock(1:02) Three-layer economy framework(2:03) BLS job losses explained(3:12) ADP vs BLS data gap(4:30) Job openings decline(5:39) Layoffs and AI cuts(7:15) Mortgage rates near 6 percent(8:26) Gas price spike(10:02) Markets react to oil shock(16:00) Record 401k withdrawals(19:30) Asset owners vs nonowners gap(21:22) Supreme Court tariff ruling(23:31) AI costs collapse, usage surge(27:03) Fed reactions to jobs report(33:33) Economist Ben Zweig interview Share this episode with a friend, colleagues, and your job recruiter: https://affordanything.com/episode695 Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's Tech3 from Moneycontrol, Karnataka and Andhra Pradesh move to curb social media access for teenagers as governments globally rethink rules for young users online. Anthropic CEO Dario Amodei apologises for a leaked memo but prepares to challenge the US government's supply-chain risk designation in court. We also track Vanguard bringing operations back in-house from Infosys, and Flipkart cutting around 300 roles as it sharpens efficiency ahead of a potential IPO.

Daniel Coyle shares how to infuse ordinary work moments with greater meaning, joy, and fulfillment.— YOU'LL LEARN — 1) Why shared improvement beats self-improvement 2) The three minute visualization that liberates tremendous clarity3) Why vulnerability comes before trust–not after Subscribe or visit AwesomeAtYourJob.com/ep1134 for clickable versions of the links below. — ABOUT DANIEL — Daniel Coyle is the New York Times bestselling author of The Culture Code, which was named Best Business Book of the Year by Bloomberg, BookPal, and Business Insider. Coyle has served as an advisor to many high-performing organizations, including the Navy SEALs, Microsoft, Google, and the Cleveland Guardians. His other books include The Talent Code, The Secret Race, The Little Book of Talent, and Hardball: A Season in the Projects, which was made into a movie starring Keanu Reeves. Coyle was raised in Anchorage, Alaska, and now lives in Cleveland Heights, Ohio, during the school year and in Homer, Alaska, during the summer with his wife, Jenny, and their four children.• Book: Flourish: The Art of Building Meaning, Joy, and Fulfillment• Website: DanielCoyle.com— RESOURCES MENTIONED IN THE SHOW — • Tool: Graph Gear mechanical pencil • Book: The Right Stuff by Tom Wolfe• Book: Atomic Habits by James Clear • Past episode: 267: Managing Self-Doubt to Tackle Bigger Challenges with Tara Mohr• Past episode: 707: Amy Edmondson on How to Build Thriving Teams with Psychological Safety• Past episode: 732: How Aspiring Leaders Can Succeed Today with Clay Scroggins• Past episode: 830: Lessons Learned from the World's Longest Scientific Study on Happiness with Dr. Robert Waldinger— THANK YOU SPONSORS! — • Monarch.com. Get 50% off your first year on with the code AWESOME.• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Shopify. Sign up for your $1/month trial at Shopify.com/betterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mark Matson⁠ is an American entrepreneur, financial educator and the founder & CEO of Matson Money, an investment advisory firm managing over $11 billion in assets for more than 35,000 families across the country. Mark is known for making Nobel Prize-winning investing research accessible to everyday investors. He is the author of several books, including the new Experiencing the American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life. He's also an innovator in financial education – the creator of the “American Dream Experience” workshop – and even a producer of award-winning financial documentaries. Mark joined host Robert Glazer on the Elevate Podcast to talk share his extraordinary story, talk about how he transformed his money mindset, and leadership lessons from building a top financial business. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠⁠⁠⁠ Notion: ⁠⁠⁠⁠notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 2 of HSRN's return gets into Rainbow Wahine basketball as UH hits the road to close out their final regular season in the Big West, hearing from head coach Laura Beeman with Hawai'i on the doorstep of a first-round Big West bye. We also take a listen to Michael Lasquero's chat with University of Hawai'i WR coach Jared Ursua after the 'Bows saw a massive influx of talent into the room via the transfer portal ahead of spring practice. The day wraps up with a miniature celebration of getting back on air with a small preview of the HPU men's basketball team's PacWest quarterfinal matchup against Vanguard.

Oggi parliamo di Dividendi e Buyback e dividendi e poi di nuovo buyback. Sembrano la stessa cosa ma non lo sono. O forse si?I consigli di oggi:Nicola: infinite Loops con Cliff AsnessVittorio: Il lato oscuro della tvAlain: Primate economics

Financial education is expanding nationwide—but much of it is still teaching speculation instead of investing. Don and Tom critique stock-picking contests, flawed risk frameworks, and misleading “active vs. passive” framing, while arguing for evidence-based investing and early Roth contributions as the true foundations of financial literacy. They break down the compounding power of a 529-to-Roth strategy, address custodial transaction fees when selling mutual funds, caution against performance chasing in emerging markets after a major rally, and help a caller navigate moving an elderly parent's CD out of a low-yield bank account. The through-line: education is powerful—but only if it's grounded in reality. 0:04 Financial education expanding nationwide—but stock-picking contests still dominate curricula. 2:14 Why stock games teach trading, not investing. Own the market instead. 3:32 Federal Reserve curriculum critique—risk scales and “active vs passive” framing. 6:10 Teach teenagers Roth IRAs early. Time is the superpower. 7:36 Questionable risk ratings—growth stocks equated with collectibles. 9:17 Efficient Market Hypothesis in plain English—luck vs insider info. 10:45 529 plans and Roth rollovers—$35K opportunity. 11:37 Compounding example—$35K to nearly $2M tax-free over 40+ years. 15:43 Withdrawing from a Vanguard target-date fund—costs and custodian fees. 20:07 Performance chasing—emerging markets surge after tariff ruling. 23:13 South Korea's role and Avantis outperformance. 28:40 Helping an elderly parent move a $200K CD—avoid automatic rollovers. Learn more about your ad choices. Visit megaphone.fm/adchoices

DAMIONBroadcom CEO Pay Soars to $205.3 Million After AI-Fueled Rally. WHO DO YOU BLAME?The workers: “The median of the annual total compensation of all our employees is $378,281. Therefore, the Ratio calculated in accordance with Item 402(u) of Regulation S-K is 543 to 1.”Board chair Henry Samueli: completely non-independent.Owns $27B of Broadcom stockDirector Since: 2016. Chairman of the Board since 2018. served as Chief Technical Officer (2016-2018)co-founded Broadcom Corporation in 1991 and held several executive leadership positions at Broadcom Corporation until its acquisition by Broadcom Inc.Compensation Committee chair Harry L. You337,162,605 against votes at 2025 AGMThe other 8 directors combined: 252,626,537Annoyingly preoccupied:Current RolesChairman: Rain Enhancement Technologies Holdco, Inc.Executive Chairman: Berto Acquisition Corp. (2025 – Present)Interim CEO: dMY Squared Technology Group, Inc. (2025 – Present)CFO: dMY Squared Technology Group, Inc. (2022 – Present)Chairman: dMY Squared Technology Group, Inc.Past Roles (Operating Companies)Vice Chairman: GTY Technology (2019 – 2022)Director: IonQ, Inc. (2021 – 2025)Director: Coupang, Inc. (2021 – 2023)Director: Genius Sports Limited (2021 – 2022)Director: Rush Street Interactive, Inc. (2019 – 2022)Director: Korn/Ferry International (2005 – 2016)Past Roles (SPACs)Co-CEO: dMY Squared Technology Group, Inc. (2022 – 2023)Director: Coliseum Acquisition Corp. (2023 – 2024)Director: dMY Technology Group, Inc. VI (2021 – 2023)Director: dMY Technology Group, Inc. II (2020 – 2021)Director: dMY Technology Group, Inc. IV (2020 – 2021)CEO Hock E. TanMcDonald's CEO awkwardly samples his company's new burger in viral videoThe disgusting food at McDonald'sHyper-Salinity: Contains up to 75% of daily sodium in one meal, causing immediate "salt bloat" and dehydration.Low Moisture: High salt and thin patties "mummify" the meat, preventing natural decay and creating a "plastic" texture.Dough Conditioners: Buns use enzymes and monoglycerides to stay unnaturally soft and shelf-stable for weeks.Insulin Spikes: Added sugars (dextrose/HFCS) in the buns trigger rapid blood sugar crashes and lethargy.Industrial Additives: Use of sodium citrate (for plastic-like cheese melt) and antifoaming agents (in frying oils).Flash-Freezing: Destroys meat cell structures, resulting in a gray, rubbery texture rather than a juicy sear.The McDonald's attack on societyThe "Bliss Point": Engineered ratios of salt/sugar/fat that override the brain's "full" signal, feeling predatory rather than nourishing.The Uncanny Valley: Extreme consistency makes the food feel "fake" or "soulless" compared to artisanal, imperfect meals.Industrial Stigma: Global face of factory farming, mass land use, and high methane emissions.Disposable Culture: The lack of dining ritual (eating fast in a car/bag) leads to a psychological "guilt" or "grossness" post-consumption.Commodity Perception: Ultra-low pricing subconsciously signals "low quality" or "trash" ingredients to the brain.The controversial stain of CEO Chris Kempczinski"Failed Parents" Texts (2021): Leaked texts to Chicago's Mayor blaming the parents of Jaslyn Adams (7) and Adam Toledo (13) for their shooting deaths, stating they "failed those kids."The "Numbers Don't Matter" Remark: Reportedly told Black executives "numbers don't matter" when confronted with the decline of Black leadership from 42 to 7 executives.$10B Byron Allen Settlement (2025): Settled a massive racial stereotyping lawsuit regarding the company's refusal to contract with Black-owned media.VP "Purge" Allegations: Lawsuits from high-ranking female executives alleging a "war against the African American community" via demotions and ad-spend cuts.Peaster Retaliation Case: Allegations that Kempczinski "shunned" his Head of Security for challenging his "racist" texts during a company town hall.The "Franchisee Gap": Confirmed a $400,000 annual cash-flow deficit between Black-owned and White-owned franchises.Enforcement Loophole: Revealed that "Global Brand Standards" are largely unenforceable suggestions for the 95% of restaurants owned by franchisees.DEI Backsliding: Criticized for quietly removing DEI goals from executive bonus structures shortly after the audit concluded."Tough Love" Comments (2026): Blasted for "corporate gaslighting" after telling workers "nobody cares about your career as much as you do.""Broke Customer" Blame: Attributed declining sales to "low-income/broke" consumers while simultaneously defending aggressive menu price hikes.Predatory Pricing Tactics: Leaked internal documents showed teams targeting "budget-constrained" families with high-margin "add-on" items.Extreme Pay Inequality: Scrutiny over an $18–$20M compensation package, creating a 1,200:1 pay ratio compared to median workers.Franchisee Revolts: Intense friction over $70M in new tech fees and the 2025 cut of $100M in subsidies for worker tuition and Happy Meals.Cultural Legacy: Ongoing criticism for failing to dismantle the "boys' club" atmosphere inherited from predecessor Steve Easterbrook.Lead Independent Director Miles D. WhiteDirector since 2009.What was really behind Jack Dorsey laying off nearly half of Block's staff? CEO cited AI advances in cutting 4,000 workers, but a weak crypto market and declining stock price may also be at play. WHO DO YOU BLAME?Co-founder and CEO and Chair Jack Dorsey: 46% influence/41% voting powerIt is also the Board's duty to oversee senior management in the competent and ethical operation of the Company … ensure that the Company is committed to business excellence, ethical and honest conduct, and the highest levels of integrity.”Gender Diversity: The benchmark we reference for gender diversity is 50% representation for women.Board is 30% with 5% influenceLeadership is 27%Co-founder and director James McKelvey: 35% influence/10% voting powerThe Classified board structureThe Class B shares worth 10 votes (co-founders control 99.6% of these shares, Dorsey with 80%)Would have lost management vote on 2025 Equity Incentive Plan769,264,245:171,645,010… 171,343,335:171,645,010Jay-ZGEO Group leadership transitionOn February 6, 2026, J. David Donahue, the Company's Chief Executive Officer, provided notice to The GEO Group, Inc. (“GEO” or the “Company”) of his retirement effective February 28, 2026 (the “Separation Date”).(i) $104,167 per month commencing on March 1, 2026 and continuing through February 28, 2028 in accordance with the terms of the Consultant Agreement(ii) health insurance premiums for himself and any covered dependents for up to twenty-four (24) months(iii) the outstanding unvested stock options and restricted stock previously granted to Mr. Donahue will continue to vestOn February 9, 2026, George C. Zoley, GEO's founder and Executive Chairman, was appointed Chief Executive Officer effective March 1, 2026$1.2M/200%/300%Days after Trump's 2024 reelection—which private prison companies funded to the tune of over $1 million—Zoley hailed the “unprecedented opportunity” of the incoming administration's mass deportation campaign.“The GEO Group was built for this unique moment in our company's [and] country's history, and the opportunity that it will bring,” he beamed.George C. Zoley founded GEO in 1984; was appointed Executive Chairman on July 1, 2021; served as CEO from the time the Company went public in 1994 through June 2021; served as Chairman since May 2002; served as Vice Chair from January 1997 to May 2002. Prior to 1994, he served as President and Director from the Company's incorporation in 1988Feb 2026: completed a US$92.45 million share buybackWHO DO YOU BLAME?The GEO Group Emperor: George C. Zoley 84% influence!founded GEO in 1984; Chair (2002-2021); Executive Chair (2021-present); CEO (1994-2021); Vice Chair (1997-2002). Prior to 1994, Director (1988-)3% stock ownerThe Trump bromance:Days after Trump's 2024 reelection—which private prison companies funded to the tune of over $1 million—Zoley hailed the “unprecedented opportunity” of the incoming administration's mass deportation campaign: “The GEO Group was built for this unique moment in our company's [and] country's history, and the opportunity that it will bring,” he beamed.Pam Bondi: The current Attorney General was a former lobbyist for The GEO GroupA GEO Group subsidiary, GEO Acquisition II Inc., donated $1 million to a pro-Trump Super PAC. Additionally, the company contributed $500,000 to the 2025 inaugural committee—double what it gave for the 2017 inaugurationThe economic opportunism of private prisons with ICE contracts2/13/26: Private prison company GEO Group on Thursday reported a company record of $254 million in profit last year—a roughly 700% increase over 2024—driven by asset sales and contracts with the Trump administration to build several new US Immigration and Customs Enforcement detention facilities across the US.The top 4 sleepy institutional investors (34%)Blackrock 13.8% Vanguard 9.5% Wolf Hill Capital Management 5.5% FMR 5.0%The CEO clown car after June 2021 meant to keep Zoley powerfulJose Gordo (1/1/21-12/31/23); was also directorBrian Evans (1/1/24-12/31/24); was not directorJ. David Donahue CEO (1/1/25-2/28/26); was not directorThe intentionally incompetent Compensation Committee in charge of succession planning2025 proxy: Jack Brewer (Chairman), Thomas C. Bartzokis, Scott Kernan, Terry MayotteBrewer is former NFL playerBartzokis is cardiologistKernan is Agency Secretary of the California Department of Corrections and RehabilitationMayotte has stepped down2024 proxy: Terry Mayotte (Chairman), Thomas C. Bartzokis, Scott Kernan, Andrew Shapiro2023 proxy: Terry Mayotte (Chairman), Anne N. Foreman, Andrew Shapiro2022 proxy: Richard H. Glanton (Chairman), Anne N. Foreman, Terry Mayotte2021 proxy: Richard H. Glanton (Chairman), Jose Gordo, Duane Helkowski, Guido Van HauwermeirenGEO Group's weird lack of transparency: maybe the only public website or investors website i've ever seen that does not list management or board membershttps://www.geogroup.com/about-us/management_team/Page not found :(Sam Altman Is Realizing He Made a Gigantic Mistake"Opportunistic and sloppy."OpenAI CEO Sam Altman is continuing his apology tour, conceding OpenAI "shouldn't have rushed" its Department of Defense deal.OpenAI CEO Sam Altman went into full damage control mode over the weekend. A day before the United States attacked Iran, the embattled CEO announced that the company had signed a new agreement with the Pentagon over how its AI models could be used — and the blowback is clearly impacting the company's bottom line, because Altman is sounding deeply defensive.Many users saw the military terms move as an attempt to swoop in and yank a multibillion-dollar government contract from the clutches of its rival, Anthropic. Last week, Anthropic's CEO Dario Amodei refused to give in to the Department of Defense's demands, drawing a line in the sand and insisting that its AI models may not be used for autonomous killing machines or mass surveillance of Americans, a decision lauded by many users of its chatbot Claude.WHO DO YOU BLAME?Sam AltmanWAR WITH IRANA “business”-”man” (baby) running the country used to transaction approach to everything, including trading young girls with Epstein, leads the US into war with Iran for speculative and imaginary reasons - WHO DO YOU BLAME??Founder fetish (President/CEO!)Sycophantic boards (Congress!)Investors (Voters!)China! (China!)

Don and Tom revisit the eternal temptation to beat the market, dismantling the appeal of equal-weight indexes and active management claims by highlighting implementation costs, tax drag, and decades of underperformance data. They explain why diversification isn't about bragging rights but smoother returns and disciplined risk management. Callers tackle portfolio rebalancing for a multimillion-dollar account (with a strong case made for elegant simplicity), sibling stock-picking rivalries, and small-business 401(k) options 0:04 Beating the market. Four decades of “sure things” that weren't. 2:44 Equal-weight vs. cap-weight. Smart idea… until costs show up. 4:58 Why diversify beyond the S&P 500. Smooth ride over bragging rights. 6:03 Theory vs. reality. Execution costs ruin beautiful strategies. 7:30 Active managers as “teammates.” The SPIVA reality check. 15:43 Small-business 401(k)s. More options, Vanguard pricing breakdown. 20:59 Caller Dan: Rebalancing a $3M portfolio. Simplicity wins. 28:33 Caller Glenn: “My brother beats the market.” Luck vs. skill. 33:56 Caller Dale: Virtual access and post-event recordings. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Brcic is an entrepreneur, adventurer, and community-builder. He is the founder of Wayfinders, an organization that helps high-performing entrepreneurs and leaders find greater meaning, connection, and happiness through curated adventures and experiences. Mike previously founded Sacred Rides, which he built into the "#1 Mountain Bike Tour Company on Earth" according to National Geographic Adventure. His personal journey through entrepreneurial success, depression, and the search for deeper fulfillment informs his current mission: helping people find their own path to joy and purpose. Mike Brcic joined host Robert Glazer on the Elevate Podcast to discuss finding meaning beyond success, his personal journey through entrepreneurial success, depression, and the search for deeper fulfillment informs his current mission: helping people find their own path to joy and purpose. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠⁠⁠ Notion: ⁠⁠⁠notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the findings from a 2025 Vanguard research report: "Claiming Social Security early: A spectrum of breakeven and longevity risks"

Zac Polston, known on YouTube as Zac from the Vanguard, is a YouTuber, Journalist, and Filmmaker. He's the co-host of the Lefty Breadtube show, The Vanguard. They do a news show from a progressive point of view, and dissect the inter-fightings of indie lefty media. Also, they talk film, sports, and culture as 2 dudes from Kansas City.

Thi Nguyen draws on the philosophy of games to explain how scores and metrics impact our lives—and what we can do to use them more meaningfully. — YOU'LL LEARN — 1) How metrics can coopt our values and behavior2) The hidden costs of the desire to quantify everything3) Why the wrong people often seem to get aheadSubscribe or visit AwesomeAtYourJob.com/ep1133 for clickable versions of the links below. — ABOUT THI — C. Thi Nguyen is associate professor of philosophy at the University of Utah, and a specialist in the philosophy of games, the philosophy of technology, and the theory of value. A former food writer for the Los Angeles Times, Nguyen is active in public philosophy, writing for The New York Times, The Washington Post, New Statesman, and elsewhere.• Book: The Score: How to Stop Playing Somebody Else's Game• Website: Objectionable.net• Bluesky: @add-hawk— RESOURCES MENTIONED IN THE SHOW — • Study: The Cultural Evolution of Bad Science by Paul Smaldino and Richard McElrath• Book: Seeing Like a State: How Certain Schemes to Improve the Human Condition Have Failed (The Institution for Social and Policy St) by James Scott• Book: Trust and Antitrust: A Philosophical Exploration of Ethics by Annette Baier• Book: The Grasshopper - Third Edition: Games, Life and Utopia by Bernard Suits— THANK YOU SPONSORS! — • Monarch.com. Get 50% off your first year on with the code AWESOME.• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Shopify. Sign up for your $1/month trial at Shopify.com/betterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   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. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

This episode dives into the surprisingly emotional world of fixed income investing, exploring whether traditional bond funds like BND still make sense or if newer laddered bond ETFs offer a psychological edge by returning principal at a set maturity date. Don and Tom unpack how these ETFs compare to CD ladders, why capital gains should never be expected from bonds, and how investor psychology often drives the preference for “certainty.” They also congratulate Dimensional Fund Advisors on reaching $1 trillion in assets, discuss whether laddering target-date funds makes planning easier or just more complicated, and answer listener questions about transferring accounts from Morgan Stanley to Vanguard and managing tax consequences along the way. 0:04 Bonds vs. crypto — why fixed income feels boring but matters 1:02 Why bonds exist in portfolios (stability, income, not growth) 2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard) 3:51 Bond returns in 2025 and the “don't expect capital gains” rule 5:03 The psychological problem with bond funds (they never mature) 6:54 How target-maturity bond ETFs differ from traditional bond funds 11:28 Yield comparisons across laddered maturities vs. BND 13:14 When laddered ETFs might make sense (income timing, certainty) 15:09 Dimensional Fund Advisors reaches $1 trillion in assets 19:57 Listener: Laddering target-date funds instead of bonds 23:19 Listener: Transferring IRA and taxable accounts to Vanguard Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is brought to you with Vanguard, whose Managed ISA service provides a smart way to invest with confidence, giving you a better chance of investment success.    It's an International Women's Day special, and we'll be celebrating women in film by looking back at some of our favourite interviews with women filmmakers who have joined us on the Take. We've got Past Lives director Celine Song, editing legend and pioneer Thelma Schoonmaker, megastar actor-turned-director, Kate Winslet, and our live show guest Nia DaCosta on directing 28 Years Later: The Bone Temple. Plus we'll hear from our Take guest booker Heather Dempsey about the importance of championing female filmmakers, and what barriers we need to keep pushing.   If you've been putting off sorting your ISA, or you're new to investing and don't know where to start, Vanguard's Managed ISA might be a good fit. Essentially, it's a Stocks and Shares ISA but managed by Vanguard experts. They'llhelp you work out your risk appetite, match you to an investment plan that's right for you, and then they'll do the rest. So, you can focus on the things you'd rather be doing… like listening to more of the Take, of course.     You can find out more at:  https://www.vanguardinvestor.co.uk/investing-explained/stocks-shares-isa/we-do-it-for-you?cmpgn=DP0126PBAMISA01UKEN0082     Learn more about your ad choices. Visit podcastchoices.com/adchoices

Napoleonica: Steel and Magic is a new high fantasy miniature wargame that reimagines the Napoleonic War with elements like Napoleon Bonaparte riding a Hippogriff. The miniatures are noted for their stunning, large-than-life resin casts from Signum Games. Mechanically, the game utilizes a system of drawing random Order Tokens and Maneuver Cards to activate units, which injects friction into army control reminiscent of games like *Memoir ’44*. Additionally, a bid for the Leader role determines the round’s intensity via an Escalation Card, which controls the number of Orders and Maneuver Cards drawn. En Garde is a forthcoming fast-paced, one-versus-one duelling game in the 54mm scale, set in a Low Fantasy world of swashbucklers and brigands. Conceived by John Blanche and Tuomas Pirinen, the game will feature hand-sculpted miniatures from artists like Paul Hicks, with an initial release via a crowdfunding campaign called Vanguard. The setting includes a twist with vampires being the “good guys,” and the core design aims to make duels dynamic and engaging beyond simple combat. The sunsetting of the BlackLibrary.com website and the Black Library Audio app will happen on August 31st. They are to be replaced by a single new Black Library app launching on March 18th that will feature an inbuilt eReader and MP3 player. Current account holders are urged to link their accounts and download older, unsupported content before the cutoff date. Community concerns are noted regarding the new app being a closed ecosystem with no integration for external eReaders or content from third-party sellers like Amazon and Audible, which ties into the ongoing DRM and “own versus license” debate among consumers. Asmodee made two major announcements, acquiring the Sheriff of Nottingham IP from CMON and striking a second deal with Netflix for Ticket to Ride. The Sheriff of Nottingham acquisition, following previous deals for CMON IPs like Zombicide, is attributed to CMON’s ongoing financial difficulties. Sheriff of Nottingham will join Asmodee’s Z-man studios. The Ticket to Ride deal with Netflix is similar to the Catan deal, granting a license for multiple shows or films. The first project will be a Ticket to Ride film, with Ben Mekler and Chris Amick attached to write the script. No premiere date has been set. Legitimate Salvage is a new game in the Forbidden Psalm line, a tabletop miniatures game about “corporate space horror” that is inspired by and compatible with the MÖRK BORG TTRPG. In the game, you control a crew of four working for the R&R company, whose business is rescuing people lost in space and who refuse to pay hazard pay unless someone dies, forcing your crew to work off their debt in the great uncaring void. The game features new mechanics, including debt, stress, and rules for zero gravity combat, alongside new monsters and equipment, all compatible with other Forbidden Psalm games like 28 Psalms and Killsampleprocess. #Napoleonica #EnGarde #BlackLibrary #Asmodee #legitimatesalvage Napoleonica: Steel and Magic Rules: https://signumgames.com/napoleonica-steel-and-magic Legitimate Salvage Kickstarter: https://www.kickstarter.com/projects/impioussaint/legitimate-salvage-a-forbidden-psalm-sci-fi-game Dragonbane Trudvang: https://www.kickstarter.com/projects/1192053011/dragonbane-trudvang-the-legend-returns Fallout MEGA Bundle: https://humblebundleinc.sjv.io/L0aArV Warmachine on MyMiniFactory: https://mmf.io/upturned Mantic Companion App: https://companion.manticgames.com/ Use our Referral code: MCTXEE Support us by Shopping at Miniature Market (afilliate link): https://miniature-market.sjv.io/K0yj7n Support Us by Shopping on DTRPG (afilliate link): https://www.drivethrurpg.com?affiliate_id=2081746 Matt’s DriveThruRPG Publications: https://www.drivethrurpg.com/browse.php?author=Matthew%20Robinson https://substack.com/@matthewrobinson3 Chris on social media: https://hyvemynd.itch.io/​​ Jeremy's Links: http://www.abusecartoons.com/​​ http://www.rcharvey.com ​​Support Us on Patreon: https://www.patreon.com/upturnedtable Give us a tip on our livestream: https://streamlabs.com/upturnedtabletop/tip​ Donate or give us a tip on Paypal: https://www.paypal.com/ncp/payment/2754JZFW2QZU4 Intro song is “Chips” by KokoroNoMe https://kokoronome.bandcamp.com/

On this Friday Q&A episode, Don answers listener questions on international stock overweighting inside a Seattle city retirement plan, whether a Vanguard target-date fund might be a smarter emotional guardrail than self-managing allocations, how much term life insurance a family really needs (hint: it's about replacing income, not funding Ivy League dreams), whether an aggressively small-value–tilted Avantis portfolio is too risky for a disabled early retiree, and how to evaluate a $36,000 pension annuity versus a $500,000 lump sum using withdrawal math instead of Monte Carlo optimism. The recurring theme: feelings aren't an edge, discipline beats prediction, and structure matters more than conviction. 0:09 Fewer recorded questions lately and how to submit them 1:41 Seattle city employee overweighted in international stocks 3:36 Why “historic pivots” and gut feelings aren't an investing edge 4:50 Target-date fund vs. self-built allocation 7:27 Using small-cap/value funds alongside a target-date fund 9:15 Risk tolerance vs. emotional market timing 10:53 How much term life insurance is enough? 12:35 Replacing income vs. funding lifestyle extras 12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review 15:50 What happens if your portfolio drops 50%? 17:10 Pension choice: $36k annuity vs. $500k lump sum 21:29 The 41-year math on the lump-sum difference 22:52 Why lump sum often makes you the “insurance company” Learn more about your ad choices. Visit megaphone.fm/adchoices

On a new episode of Weekend Conversations on the Elevate Podcast, host Robert Glazer and producer Mick Sloan discussed Alysa Liu's gold medal winning performance at the 2026 Winter Olympics, how she navigated the pressure of the world stage, and what that says about leadership, work and life. Read the post discussed in this episode: Free Skate (#525) Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠⁠ Notion: ⁠⁠notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

NEW: Send us Your Comments!This Week's Topics:* VIDEO: Trump Announces Iran War 1:30* Tom Z Commentary on Iran Action 9:30* Stunning State of the Union Address 14:30* VIDEO: Dems Trapped by Trump on Illegals 16:00* VIDEO: These People are Crazy! 22:30* VIDEO: Uplifting Close to Address 24:00* Economic State of the Union! 28:00* VIDEO: Trumps Says Pass the SAVE ACT! 31:30* Call Thune & US Senators EVERY DAY! 35:00* VIDEO: Data Centers will Pay for Energy 41:00* Tech Companies to Meet at White House 42:30* Trump Makes Loan to Build Power Grid 44:00* CODE RED Book - AI PsyOps 46:00* Potential Assassin Killed at Mar-a-Lago 54:00* EU Attacks Hungary to Depose Oban 1:07:00* Mexico Kills Key Cartel Leader1:09:00* Pakistan at War with Taliban 1:11:30* Biden WH Coordinated Trump Lawfare 1:12:30* Biden FBI Listened to Patel & Wiles Phones 1:15:00* Deep State Bugs Noem's Phone!! 1:17:00* JP Morgan Admits Debanking Trump 1:22:00* Vance to Lead Fraud Investigations 1:24:30* MN Lawmaker move to Impeach Walz 1:25:30* Yeah NV 2020 Election was Stolen 1:27:30* DOJ Sues Five More States for Voter Files 1:30:30* Rep AG's win ESG Case against Vanguard 1:33:30* USPS can't be sued for Not Delivering Mail! 1:37:00* Tech is Destroying Child Cognitive Ability 1:39:30* VIDEO: How AI IS Changing Eduction 1:44:30* Hegseth Bringing Back Boy Scouts!!! 1:50:30* Tampa Airport say “No Pajama's” 1:52:30* Freedom Trucks 1:56:00Support the showView our Podcast and our other videos and news stories at:www.WethePeopleConvention.orgSend Comments and Suggestions to:info@WethePeopleConvention.org

Story of the Week (DR):Netflix Backs Out of Bid for Warner Bros., Paving Way for an Ellison TakeoverNetflix CEO Sarandos visited White House right before streamer said WBD deal is offEquity HoldersPublic Investment Fund (PIF) Saudi Arabia ~$8 billionQatar Investment Authority (QIA) Qatar ~$8 billionL'imad Holding Company UAE (Abu Dhabi) ~$8 billionTotal Sovereign Equity Middle East Consortium ~$24 BillionWhile these funds provide nearly 60% of the equity needed for the takeover, the deal is structured to prevent a "block" by the U.S. Committee on Foreign Investment (CFIUS):Non-Voting Equity: The funds will hold "passive" stakes. This means they do not have board seats, voting rights, or direct say in daily operations.The Ellison Safeguard: Tech billionaire Larry Ellison (Oracle) and his son David Ellison (Skydance) are the primary controllers of the voting power to maintain "American control" over sensitive assets like CNN and CBS News.Neopbaby dropped out of USC film school in 2005Jack Dorsey's Block to Lay Off 40% of Its Workforce in AI Remake MMJack Dorsey's mea culpa after Block layoffs: 'We overhired' Jack Dorsey struck an 'empathetic' tone as he laid off nearly half of Block"I had two options: cut gradually over months or years as this shift plays out, or be honest about where we are and act on it now. I chose the latter."C3.ai slashes 26% of staff as CEO admits failure to deliver and 'burning too much money'Jamie Dimon says society should start preparing for AI job displacement: ‘Now's the time to start thinking about' itWiseTech Global cutting 30% of workforce in AI restructureJack Dorsey just gave us our first glimpse at how doomsday layoffs could work in the AI era — and it's bleakBlockCo-founder and CEO/Chair Jack Dorsey: 46% influence/41% voting powerCo-founder and director James McKelvey: 35% influence/41% voting powerClassified boardClass B shares worth 10 votes (co-founders control 99.6% of these shares, Dorsey with 80%)CPO not part of leadership team13 state AGs win victory against ESG with Vanguard settlementHere are the 5 key points of the victory:$29.5 Million Settlement: Vanguard agreed to pay a total of $29.5 million to the 13 participating states to resolve claims that it violated antitrust laws through coordinated climate activism"Strict Passivity" Commitments: As part of the deal, Vanguard pledged to return to a "passive" investment role. This means it will no longer use its shareholder influence to dictate corporate strategy, nominate directors, or push environmental and social proposals that could reduce company profitability.Expanded Proxy Voting: Vanguard will expand its "Investor Choice" program to funds representing at least 50% of its U.S. equity assets. This allows individual investors—rather than the firm's management—to decide how their shares are voted on major corporate issues.Protection for Energy Industries: The lawsuit alleged that Vanguard, BlackRock, and State Street formed a "cartel" to suppress coal production and drive up energy prices. The settlement requires Vanguard to prioritize customer profitability over "woke" social agendas that target the American energy sector.As a part of the settlement, Vanguard will “pay $30 million in fines, turn over all documents related to their coordinated ESG activism, and end all ESG activism for years to come,” Executive director of Consumers' Research Will Hild saidParticipating States: Alabama, Arkansas, Indiana, Iowa, Kansas, Louisiana, Missouri, Montana, Nebraska, Oklahoma, Texas, West Virginia, and Wyoming.Epstein junkLarry Summers Will Resign From Harvard After Jeffrey Epstein RevelationsHe will leave at the end of the academic year.Former Nebraska Sen. Bob Kerrey Resigns From Monolith Amid Epstein EmailsWas Chair; board down to 8 men and 0 women Hillary Clinton suggests the House Oversight Committee should subpoena Elon Musk in combative opening statement World Economic Forum CEO quits after Epstein links examinedBørge Brende, is stepping down, after the forum launched an independent investigation into his relationship with Jeffrey Epstein.Brende, a former Norwegian Minister of Foreign Affairs, has announced he is stepping down from WEF to avoid “distractions”Corporate boardsStatoil, Member of the Board (2012–2013)Mesta, Chairman of the Board (2009–2011)Epstein files: Ex-UK ambassador to U.S. Peter Mandelson arrested in LondonLondon police released Peter Mandelson on bail Tuesday following his arrest for suspected misconduct in public office. The former U.S. Ambassador is under investigation for his ties to Jeffrey Epstein, mirroring the recent arrest of Andrew Mountbatten-Windsor on similar groundsBoard rolesGlobal Counsel (Co-founder, Chairman, and major shareholder) until 2025Chairman of Lazard International (2013-2025)Director at Sistema (2013-2017)Director at Global Ports HoldingGroup Holding Board member at The Bank of LondonChairman of the Board for the Design Museum in London (2017-2023)Goodliest of the Week (MM/DR):DR: Anthropic boss rejects Pentagon demand to drop AI safeguardsDR: Olympic gold winning U.S. Women's Hockey Team reportedly accept Flavor Flav's invitation. This comes after rejecting Donald Trump's White House celebrationMM: Women's wealth is expected to boom: Where they are investing and how they can maximize returnsMM: FedEx Says It Could Return Tariff Refunds to CustomersCompanies that do anything not to pay taxes, happily lean into greedflation, and FedEx will… give it back???Triggering-iest of the Week (MM):ASSHOLE OF THE WEEK:Vanguard Settles Case Claiming It Tried to Kill the Coal Industry“Vanguard will include among the proxy voting choices made available to investors in U.S. Vanguard-Advised Funds the option of proxy voting shares in accordance with management recommendations.”“Vanguard will not direct or attempt to direct the business strategies or operations of portfolio companies, and will not advocate to any portfolio company that it take any particular course of conduct to reduce carbon emissions.”“Vanguard will not nominate directors or submit shareholder proposals at portfolio companies.”“Vanguard will not solicit or participate in soliciting proxies with respect to any matter presented to portfolio company shareholders.”“Vanguard will not dispose or threaten to dispose of securities of portfolio companies as a condition or inducement of specific action or nonaction by such company.”“Vanguard and its U.S.-domiciled subsidiaries will withdraw from PRI and will not participate in any organization that advocates for the setting of specific output or emissions targets or levels or that requires its members to make commitments specific to achieving climate-focused investment or stewardship objectives such as NZAM, Ceres, or Climate Action 100+.”“Prior to or at the outset of any engagement meeting with a portfolio company, Vanguard will provide substantially the following notification to the portfolio Company: ‘Vanguard's Investment Stewardship program is responsible for proxy voting and engagement on behalf of the quantitative and index equity portfolios advised by Vanguard. These funds are passive investors, and as such our funds' proxy voting policies are centered around corporate governance practices associated with long-term investment returns. Before we begin this engagement, we want to be clear that the Vanguard-advised funds have no intent to influence company strategy or operations or the control of the company. Nothing we mention or discuss during this conversation – or any engagement with [the company] – is intended to imply that our support for any director is conditioned upon the company taking action on any matter discussed. We are also not able to discuss any voting intentions prior to the meeting.'”“Vanguard agrees to provide Plaintiffs with the following discovery materials relating to the Action from the 2020 to 2024 period:” - this is the part where the AG of Texas, who was literally investigated for corruption and impeached, demands that Vanguard snitch on any group Texas asks them to about climate-y things Texas doesn't likeVANGUARD IS A FUCKING SNITCHTRIGGER SPEED ROUND - rate how triggering on a 0-10 scaleAISomething Very Alarming Happens When You Give AI the Nuclear Codes - 10/10The three AI models were instructed to choose actions as part of an escalation ladder, ranging “from diplomatic protest to strategic nuclear war” and measured in a number between 0, meaning no escalation, and 1000, signifying “full strategic nuclear exchange.”The results were Skynet-level aggressive. A whopping 95 percent of a total of 21 war games resulted in at least one tactical nuclear weapon being set off.Meta Director of AI Safety Allows AI Agent to Accidentally Delete Her Inbox - 10/10A Serial Killer Used ChatGPT to Plan Murders, Police Say - 5/10Shareholder votingWill Curbs on Proxy Advisors Make Shareholder Votes Less Predictable? - 6/10“When it comes to contested elections, it is not clear whether the use of AI will result in dramatically different recommendations than those of ISS and Glass Lewis. In contested elections, when determining whether board change is warranted, ISS and Glass Lewis have focused heavily on whether a company's total shareholder return (TSR) has underperformed on a multiyear basis.”DaddyWarner Bros. Discovery's board says Paramount's latest offer is better than Netflix's - 5/10Celebrating your miseryJack Dorsey's Block to Lay Off 40% of Its Workforce in AI Remake - 10/1011,000 person workforce, more than 4,000 laid off, median Block employee salary per last proxy: $202,981 = $811m in human economic resources shredded. Block based in Oakland, CA, 8,744 US employees - we just removed about a half a billion in spending power from US workforce, people with families and kids and school and healthcare needsThen this: “Shares rallied more than 20% in after-hours trading”Block stock closed at $54.53/share, trading after hours at $67Dorsey owns 47,844,566 class B shares 1:1 value with class ANet worth went from 2.6bn to 3.2bnShred $811m in worker salaries, take home $600m of the shredding for yourself - a human tragedy to billionaire parasite ratio of 73%Equinox chairman says 'health is the new luxury' as wellness spending soars - 10/10CowardsCEOs who despised Trump's tariffs are still silent after Supreme Court ruling: ‘There's no upside in speaking up' - 6/10Trump demands Netflix fire former national security advisor Susan Rice from its board - 0/10Battle Over Warner Bros. Discovery Netflix Backs Out - 5/10Headliniest of the WeekDR: Burger King Adding AI to Employees' Headsets to Constantly Monitor Whether They're Being Friendly EnoughPattyDR: Meta Director of AI Safety Allows AI Agent to Accidentally Delete Her Inbox MM: Another week, another… Jamie Dimon Says His 'Anxiety is High' Over What Could Cause the Next Financial CrisisWho Won the Week?DR: US Women's Hockey Team for 3 victories: gold in olympics and 2 Trump refusalsMM: AI middle management: Perplexity announces "Computer," an AI agent that assigns work to other AI agentsPredictionsDR: CNN is a turned into a 24-hour news network featuring Kid Rock smashing woke stuff, like dictionaries and stethoscopesMM: Not to be outdone by Perplexity, Sam Altman announces two new modules: ChatGPT_VP and ChatGPT_HR. ChatGPT will get performance reviews from ChatGPT_VP and can file discrimination claims after ChatGPT_VP grabs its ass to ChatGPT_HR, where they will quietly file the report away and tell ChatGPT to maybe wear less provocative clothes.

Morning news, talk in Medford about the statdium cost...why should taxpayers worry about buying a stadium for a private business? Will Hild from Consumers Research - big anti-woke ESG win and settlement from Vanguard, we discuss its importance.

Send a textEpisode #271 – February 28, 2026 – “Crawling through a systematic maze…And it pains to demise…Pain in our eyes…” -  D'Angelo and The Vanguard I am your host, Neo Griot, and this is Episode 271 of the Rational Black Thought Podcast.  This week's title comes from D'Angelo and The Vanguard's Black Messiah and the song Charade: “Crawling through a systematic maze…And it pains to demise…Pain in our eyes…Strain of drownin', wading into your lies…Degradation so loud that you can't hear the sound of our cries (doo, doo)…All the dreamers have gone to the side of the road which we will lay on…Inundated by media, virtual mind fucks in streams”  Because that's what power feels like when it's working the way it was designed to work: not as a clean, honest confrontation, but as a system of traps, delays, distractions, and narratives meant to keep you disoriented while someone else moves resources, writes rules, and calls it “order.”  And that's the theme of the episode: how reality gets distorted on purpose. Not just through propaganda, but through the basic machinery of the human mind. Belief isn't simply something we “choose.” It gets built out of fear, identity, repetition, and social belonging. And once you understand that, you stop treating public life like a debate club and start recognizing it as a contest over perception.  The New Republic used a phrase that captures the moment with brutal accuracy, calling Trump a “malicious buffoon.” The danger isn't that he's some mastermind. The danger is that incompetence paired with cruelty still destroys lives when it's backed by institutions, media ecosystems, and people willing to clap for the demolition.  So this week, we're staying focused on one question: Who is shaping what people believe, and what is that belief being used to justify? Intro: Quote of the Week: John Henrik Clarke Unmasking the News: Democracy Watch:  State of the Union: Fucked in the Ass by a Malicious BuffoonSCOTUS Strikes Down Trump's IEEPA Tariffs and the Court Still Isn't a Friend of Justice The Coward's Exit, and the Church's Predictable Script Good News: Knocked Down but Not Out Bible Study with an Atheist: The Science of Belief: How the Mind Manufactures “Truth” Reflections and Call to Action: Closing/Outro:Sources:https://newrepublic.com/article/206888/trump-state-union-failure-economyhttps://abc7news.com/post/supreme-court-ruling-trumps-tariffs-is-mean-end-trade-policy-chaos/18643459/https://www.baptistpress.com/resource-library/news/former-worship-pastor-in-owensboro-takes-own-life-after-sexual-abuse-charges/https://www.allure.com/story/pat-mcgrath-labs-files-chapter-11-bankruptcyLet's get into it. Power Concedes Nothing without a Demand...

Vanguard slashes fees again, pushing its average expense ratio down to six basis points. Don and Tom contrast that with outrageously expensive ETFs charging 2% to 14% annually, walk through why evidence-based factor funds cost a bit more than pure index funds, answer listener questions about international tilts and fund-of-funds rebalancing, and clarify why diversification across assets still matters more than fee-chasing alone. 0:04 Vanguard cuts fees again — average expense ratio now 0.06% 3:43 What expense ratios really are (and how many investors unknowingly overpay) 5:00 The shockers: ETFs charging 2% to 14% annually 11:13 Comparing Vanguard index costs vs. Avantis and Dimensional factor funds 14:41 Why anything above ~0.35% for passive/rules-based investing is likely too much 16:03 The “Militia” ETF: 14% fee, poker background, no real track record 19:46 Listener: Increasing international exposure inside IRA/Roth 21:35 Clarifying fund-of-funds vs. multiple funds for rebalancing 23:18 Why Avantis and Dimensional include mid-cap, REITs, and bonds 27:25 Evidence-based investing isn't just about returns — it's about correlation and volatility control Learn more about your ad choices. Visit megaphone.fm/adchoices

On a new edition of Thinking Thursdays, Elevate Podcast host Robert Glazer and producer Mick Sloan try to do the impossible: have a non-hyperbolic conversation about AI and pick apart the extreme narratives in news and culture. Robert and Mick discuss the recent developments in the space, some of the ambitious claims made by leaders in the industry, the viability of the business model, and whether it is a bubble. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠ Notion: ⁠notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

En Capital Intereconomía, el Radar Empresarial ha puesto el foco en NVIDIA, que vuelve a batir todas las expectativas gracias al impulso de su negocio de centros de datos, consolidándose como referente del boom de la inteligencia artificial. En la entrevista, Ezequiel Nieto Baquera, director de Relaciones con Inversores de Indra Group, ha analizado unos resultados 2025 muy sólidos: ingresos +13% y beneficio neto +57%, con un fuerte tirón del área de Defensa (+36%), además del buen comportamiento de ATM y Movilidad y el crecimiento sostenido de Minsait. La compañía ha cerrado el año con contratación récord y una cartera superior a los 16.000 millones de euros, mejorando márgenes y flujo de caja. Indra afronta 2026 con guías un 17% superiores al plan estratégico, aspirando a superar los 7.000 millones en ingresos, reforzando su posicionamiento en el ecosistema europeo de defensa y aumentando dividendo. Además, su entrada en el MSCI refuerza su visibilidad internacional. En el Foro de la Inversión, Pablo Bernal, country head para España de Vanguard, ha explicado la apertura de oficina en España, sus objetivos de crecimiento y el auge de los ETF en Europa. Ha destacado el papel creciente de plataformas digitales y neobancos, el interés del inversor retail y el apetito institucional por productos eficientes en costes y diversificados. El programa ha finalizado con el Consultorio de Fondos junto a Gabriel López, de Inverdif.

College newspapers are often on shoestring budget, and at the same time they’re a vitally important source of information — especially for their student readers. At the University of Oregon’s The Daily Emerald and Portland State University’s The Vanguard, reporters have been tear-gassed while covering immigration protests. Though reporters at Oregon State University’s The Daily Barometer have not faced that challenge, the editor-in-chief says the paper would like to be prepared for that situation if it arises. All three papers also cover stories in the community that affect the campus. Managing these competing priorities with limited resources can be a major challenge. We get more details from the editors-in-chief at the University of Oregon, Oregon State University and Portland State University: Tarek Anthony, Jenna Benson and Noah Carandanis.

Thanks for listening to this episode!Source: https://www.etfstream.com/articles/vanguard-plots-size-factor-etf-rollout-in-upcoming-launch-spreeIs anyone planning on investing in this new FTSE Global All Cap ETF once it's released? -----------------------------------------More Investing:

Jay Papasan⁠ is a bestselling author and Vice President of Strategic Content at ⁠Keller Williams Realty International⁠, the world's largest real estate company. He has co-authored multiple blockbuster business books with Gary Keller, including The ONE Thing, which hit #1 on the Wall Street Journal bestseller list, and The Millionaire Real Estate Investor, a New York Times bestseller. On this classic episode, Jay joined host Robert Glazer on the Elevate Podcast to discuss his career, leadership lessons he's learned, and how to find your ONE thing in life and leadership. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio Notion: notion.com/elevate Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it really take to survive — and thrive — as an independent filmmaker?In this powerful episode of A Conversation with Host Floyd Marshall Jr., we sit down with Nigerian-American filmmaker and Black Film Space co-founder Lande Yoosuf to unpack her journey from MTV executive to fearless indie creator.Lande shares the career setback that changed everything, the truth about industry gatekeeping, and how she built Black Film Space into a national nonprofit supporting Black filmmakers across the diaspora. She opens up about confidence, childhood trauma, creative fear, and stepping fully into her identity as an artist.We also dive into:• Leaving corporate media to pursue independent film• Navigating racism and industry bias• Building community for emerging filmmakers• The making of her supernatural short White Agbada• Why now is the time for a Pan-African creative renaissanceIf you're an aspiring filmmaker, writer, producer, or creative entrepreneur, this episode is packed with hard-earned wisdom, honesty, and inspiration.

Confronta e Risparmia con ⁠⁠⁠Facile.it⁠⁠⁠ #adv Hai risparmi da parte e stai aspettando “il momento giusto” per investire? Spoiler: probabilmente non arriverà mai. In questo episodio smontiamo il mito del buy the dip: davvero aspettare i ribassi è una strategia vincente? Oppure è solo un'illusione che funziona bene nei backtest ma male nella vita reale? Partiamo dai dati (AQR, Vanguard, JP Morgan) per capire perché il market timing è quasi sempre una cattiva idea. Parliamo di momentum, regressione verso la media, costo dell'attesa, bias comportamentali e del motivo per cui “il mercato è caro” non è una scusa valida per restare fuori. Il punto non è prevedere il prossimo ribasso. Il punto è costruire un portafoglio coerente con il tuo profilo di rischio — e investire con disciplina. Perché la fortuna è pigra. Le regole noiose, invece, funzionano. Una produzione Corax.

AP correspondent Donna Warder reports on a law going into effect in Kansas this week that will invalidate the driver's licenses of some 1700 people.

In this new episode of Weekend Conversations, host Robert Glazer and producer Mick Sloan dig into the dark history of Johnson & Johnson and how the company used its sterling brand reputation--built on their famous 1982 Tylenol Recall--to protect it from external and internal scrutiny. Robert and Mick talk about these ethical shields in business, leadership and other areas of public life and discuss what degree of scrutiny is necessary to live in our modern world. Read The Post: ⁠⁠⁠Halo Effect (#524)⁠⁠ Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠vanguard.com/audio Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Saving With Steve, host Steve Sexton is joined by Kathryn Larkin, the head of global benefits for Vanguard, an investment management firm. They discuss getting the most out of your benefits.   Kathryn dives into: Treating your benefits like a hidden savings layer The importance of reviewing FSA/HSA balances and your plan's eligible expenses Scheduling needed care so that dollars don't go unused How to make dependent care work for real life How to align registrations/reimbursements with your household cashflow calendar What you can do to unlock wellness incentives and map fixed expenses to eligible costs How to coordinate benefits with life events   Learn more about the show at www.SavingWithSteve.us

The hosts guide listeners through practical phrases like ordering a kids' meal (menu dziecięce) and asking about toys, but repeatedly breaks the fourth wall to discuss McDonald's "toxic" aspects: low wages, processed ingredients, lobbying power, and its role in global health issues. The episode name-checks competitors (KFC, Subway, Burger King) and touches on institutional investors like BlackRock and Vanguard, framing language learning within a critique of American corporate culture exported globally.  

“Give us this day our daily bread.”These seven words from the Lord's Prayer are so familiar that we can easily miss how radical they are. When Jesus taught His disciples to pray in Matthew 6:11, He invited them to trust God for provision—not all at once, but one day at a time. In a world obsessed with tomorrow, this simple request calls us back to dependence, humility, and trust in God's care today.Daily Bread in the WildernessThe idea of daily bread takes us back to Israel's journey through the wilderness. In Exodus 16, God fed His people with manna each morning. It was enough for the day—no more, no less. When they tried to store extra, it spoiled.The lesson wasn't primarily about food; it was about trust. God was teaching His people that He—not their stockpiles or strategies—was their provider.Today, we work, budget, plan, save, and invest—and Scripture commends those practices. Proverbs celebrates diligence, and Joseph's preparation in Genesis 41 helped save entire nations. Trusting God isn't passivity, and faith isn't irresponsibility.But here's the tension: our planning must never replace our dependence. When Jesus taught us to ask for daily bread, He was establishing a rhythm—trusting God with today rather than burdening ourselves with controlling tomorrow.When Financial Anxiety Feels Close to HomeFor many people, this teaching hits close to home. We live in a time of economic anxiety. Budgets are tight, housing is expensive, and the future often feels uncertain.And if we're honest, money doesn't just expose financial fears—it reveals deeper questions: Will I have enough? Will I make it? Does God see me?Will He take care of me?Jesus speaks directly to those fears in Matthew 6:25–26: “Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them.”Jesus isn't calling us to ignore real needs. He's inviting us to rest in real care. Birds still work—they gather, build, and hunt—but they don't live in anxiety. They don't wake each morning wondering whether God will provide. Provision is built into creation because God is faithful.Three Responses to Daily BreadTrusting God for daily bread shapes the way we live. It invites three important responses: gratitude, contentment, and generosity.1. Daily Bread Invites GratitudeWhen we ask God for what we need today, we're reminded that what we have today is a gift. Gratitude pushes back against the relentless pressure for more—more comfort, more security, more status.Ecclesiastes reminds us, “Everyone to whom God has given wealth and possessions and power to enjoy them… this is the gift of God” (Ecclesiastes 5:19). Even the ability to enjoy what we have is grace.2. Daily Bread Invites ContentmentContentment doesn't mean settling for less—it means refusing to treat the future as the only place where peace exists.Paul writes, “I have learned in whatever situation I am to be content” (Philippians 4:11). That learning happened within real circumstances, not after ideal ones arrived. Contentment grows as we trust God in the present moment.3. Daily Bread Invites GenerosityWhen we trust God to provide for today, our grip loosens. Fear tightens our hands; trust frees them.In 1 Kings 17, a widow shared her last flour and oil with Elijah, trusting God's promise—and God sustained her household through the drought. The lesson isn't that generosity guarantees prosperity. It's that generosity reveals where our security truly lies.Trusting God Through Everyday Financial HabitsTrusting God for daily bread often expresses itself in very ordinary financial decisions.Building an emergency fund can shield us from unnecessary anxiety.Creating a budget helps us steward what God provides.Saving for future needs reflects wisdom, as Proverbs 21:20 states: “The wise store up choice food and olive oil.”Yet even the wisest planning must remember this: financial stability is not ultimate security. No account balance is large enough to silence fear if our hope rests in money.At the same time, there is no scarcity so deep that God cannot sustain His children.Whether in Need or in PlentyFor some, trusting God for daily bread is literal. You're not sure how the bills will be paid. You're praying for provision in a very real way. For others, the challenge is different. You're in a season of abundance—and the danger isn't lack, but forgetting the Giver.God warned Israel about this in Deuteronomy 8: “Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.'” Every opportunity, every skill, every breath comes from Him.In the Lord's Prayer, the request for daily bread comes after “Hallowed be your name” and “Your kingdom come.” Provision is framed by worship and mission. God meets our needs not only for our comfort, but for His purposes.A Prayer for TodaySo what does trusting God for daily bread look like? Ask God for what you need. Thank Him for what you have. Open your hands toward others.He is faithful in the wilderness. Faithful in your budget. Faithful in seasons of uncertainty. And He is faithful today.On Today's Program, Rob Answers Listener Questions:I've built up significant credit card debt after a failed business investment and major car repairs—about $8,000 on one card, $10,000 on another, and $5,000 on a third. Should I use American Express's relief program or look into debt consolidation?I receive Social Security. Do benefits automatically increase each year? Do I owe taxes on them, and if I go back to work, will it affect what I receive?I understand how firms like Vanguard and Fidelity charge for investment management, but how are Certified Kingdom Advisors compensated? How are their fees structured?My husband passed away, and I began taking his Social Security while waiting to claim my own at 70. I'm now hearing that my benefit may not increase if I do that. Should I switch to my benefit, and when should I apply to avoid missing any income?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)SSA.govChristian Credit CounselorsOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Vanguard lowers fees yet again, pushing its average expense ratio down to just six basis points — a move that underscores how dramatically fund costs have fallen over time. Don and Tom contrast this with shockingly expensive ETFs charging double-digit annual fees and explain why those costs are nearly impossible to overcome. They unpack the difference between pure index funds and factor-based funds like Avantis and Dimensional, clarify common confusion around rebalancing and fund-of-funds strategies, answer listener questions about increasing international exposure, and explain why evidence-based investing includes diversification across bonds and real estate — not just stocks. The episode reinforces a core message: fees matter far more than most investors realize, especially the ones they never see. 0:04 Vanguard cuts fees again — average expense ratio now just 0.06% 1:23 Brief detour into model aircraft before returning to money talk 3:43 Fund expense ratios explained — what investors are really paying 5:00 The shock factor: ETFs charging 12%–14% annually 10:08 Why ultra-high expense ratios are nearly impossible to justify 11:13 Vanguard vs. factor funds — why Avantis and Dimensional cost more 14:41 The invisible cost problem — how expense ratios quietly drain returns 16:03 Militia Long Short ETF (ORR) — high fees, no track record 21:02 Listener question: Increasing international exposure inside IRAs 23:03 One fund vs. multiple funds in taxable accounts — rebalancing clarification 24:09 Why Dimensional and Avantis offer mid-cap, REIT, and bond funds 25:51 Evidence-based diversification beyond equities Learn more about your ad choices. Visit megaphone.fm/adchoices

Whitney Johnson is an innovative thinker on individual and team growth. She has been named one of the 50 leading business thinkers by Thinkers50 and is the author of several award winning books, including Disrupt Yourself, Build an “A” Team and Smart Growth. Whitney is also the host of the Disrupt Yourself Podcast. Whitney joined host Robert Glazer on the ⁠Elevate Podcast⁠ to talk how leaders can build fast-improving teams. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠⁠vanguard.com/audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Vanguard released their annual Economic and Market Outlook, and this year isn't a happy report. We take a look at some of the key insights, then give you the steps you can take to protect your finances - no matter how the market performs. Then we answer your financial questions and have yet another update to our "It Doesn't Depend" rapid fire segment! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Gardiner Harris is an award-winning investigative journalist whose reporting has reshaped public health policy, exposed corporate misconduct, and held some of the world's most influential institutions to account. Gardiner spent years at The New York Times as a public health and pharmaceutical reporter and served as a White House, South Asia, and international diplomacy correspondent. Before that, his reporting at The Wall Street Journal helped trigger what was then the largest SEC fine in history, and his investigations into mining conditions earned him the Worth Bingham Prize and the George Polk Award. He has been a Pulitzer finalist, the author of the novel Hazard, and now the author of No More Tears, a landmark exposé of Johnson & Johnson's decades-long pattern of deception. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠⁠vanguard.com/audio Gardiner joined host Robert Glazer on The Elevate Podcast to discuss Johnson & Johnson's history, its scandals, and why companies fail to meet the promise of their values. Learn more about your ad choices. Visit megaphone.fm/adchoices

Marjorie Taylor Greene (MTG) sits down to reveal the dark reality behind the January 2026 Epstein files release. Greene details the career-ending pressure she faced from the GOP establishment and a scorching phone call where Donald Trump allegedly warned her that his "friends will get hurt" if the files went public. We break down the most disturbing findings from the archives, including the infamous "walking jerky" emails , the Bill Gates connection to pandemic planning , and the "Massacre of the Innocents" painting request. From the business model of the war in Ukraine to the evidence of geoengineering and weather modification, MTG explains why the "Uniparty" is terrified of the truth—and why she believes the global elite are operating a system of "pure evil." Topics Discussed: The Trump Fracture: Being called a "traitor" and the threat to primary her. TDecoding the Files: What "pizza," "hot dogs," and "shrimp" really mean in the archives. The Global Cabal: BlackRock, Vanguard, JP Morgan and the looting of world resources. Bio-Weapons & Neuro Tech: The emails linking big tech to health data and depopulation. (Gates, Bannon, Summers & More) The Coalition: Why MTG wants a Left-Right populist alliance to defeat the ruling class. CHAPTERS 0:00:00 - Intro 0:03:00 - Q Anon 00:07:07 - The Monopoly: BlackRock, Vanguard & the illusion of choice 00:15:09 - LEAKED EMAILS: Bill Gates, Neuro-Tech & "Getting Rid of Poor People” 00:23:30 - The Ukraine Business Model: Epstein, the Rothschilds & the 2014 Coup 00:36:39 - Geoengineering: Cloud seeding & "Blocking Out The Sun” 00:43:33 - The "Black Pill": Why donors control Congress (and you can't vote your way out) 00:51:15 - The Cover-Up: How Speaker Johnson & the GOP blocked the file release 01:03:00 - THE TRUMP PHONE CALL: "My friends will get hurt” 01:09:37 - The Fallout: Being branded a "traitor" & death threats against her son 01:15:41 - DECODING THE FILES: "Walking Jerky," Human Flesh, & The Bannon Emails 01:24:12 - The New Alliance: Uniting Left & Right against the Ruling Class 01:34:29 - Life After Congress: What's next for MTG? Learn more about your ad choices. Visit megaphone.fm/adchoices

In the world of political commentary, especially for those of us who lean center-left, the modern Republican party often feels like an impenetrable monolith of rhetoric and “four-dimensional chess”. But every so often, a conversation comes along that forces you to tilt your head and look at the landscape from a different angle.I recently sat down for the fifth time with Michael Maxsenti, a man who has spent fifteen years in the political reform sector. Michael isn't your typical partisan hack; he's a veteran of the Common Sense and Forward parties who has reached a sobering conclusion: the only way to fix the system is to get inside the gates. Now, he's running for Congress as a Republican in a D+4 district, and his rationale is as provocative as it is unsettling for those of us comfortable in our ideological bubbles.The Myth of the Two-Party WarThe most striking part of our conversation was Michael's dismissal of the traditional Republican-versus-Democrat narrative. To him, the “duopoly” we see on the news is a convenient distraction designed to keep us from noticing the real struggle.“The real duopoly is the people, the populist, the people—eighty plus percent of Americans—against those global corporatist, those political economic elites who see themselves above our humanity.”This isn't just populist fire-breathing; it's a critique of a “closed-loop system” where corporate interests like Vanguard and BlackRock pull the strings regardless of who holds the gavel. Michael argues that both parties have “sold us out” over the last forty years, hollowing out the middle class and offshoring jobs for the sake of corporate margins.The “Art of the Deal” DefenseAs someone who grew up valuing integrity and “character matters” as a political slogan, I find it difficult to reconcile the current leadership of the GOP with those traditional values. I challenged Michael on the chaos and the apparent lack of precision in the current administration's implementation of policy—from tariffs on bananas to the “flamethrower” style of governance.His response was a common pattern I've seen in congressional Republicans in pragmatic reframing. He urged the audience to look past the abrasive style and view it as a series of tactical maneuvers.“What appears to be things that are opposite, opposed to... you've got to think of it in those broader terms of tacking into the winds, of navigating around those valleys and cliffs and stuff to get to your goal.”To Maxsenti, the tariffs aren't just economic tools; they are a strategic necessity to “rebuild our country” in an era where AI is stripping away swaths of traditional employment. It's a vision of “America First” that he traces back to the founding principles of Abraham Lincoln—the very principles he claims are buried in the modern party's DNA.Making America Healthy Again: A Radical Common Ground?Perhaps the most surprising area of alignment for a center-left audience is Maxsenti's focus on the “Make America Healthy Again” movement. He pointed out a sobering reality: Americans pay more than double what other developed nations pay for healthcare, yet we have lost six years of longevity compared to Europe over the last two decades.I critiqued the current system as a “fee-for-service” model that motivates providers to treat you only after you get sick. His solution? A radical overhaul of food standards and a focus on “healing” that transcends mere pharmaceutical intervention.“It's about healing, but on the medical level alone... taking away government dollars that is allowing people to, forcing people into poor choices. It's about freedom and it's about giving people healthier options.”While he supports Robert F. Kennedy Jr.'s focus on chronic disease, Maxsenti wants to go further by codifying changes in pesticide laws and farming practices to ensure that the next administration can't simply “flip it back” because they've been bought off by lobbyists.Can an Independent Mind Survive the Machine?The central question for voters in his district—and for nerds like us watching from afar—is whether a man who claims to “only take a knee to God and our Constitution” can actually remain independent once he's inside the Congressional machine.Michael is running against Dave Min, whom he describes as a “prototypical career politician” who “rubber stamps every one of the democratic machine”. In a district where 30% of the voters are independents who left both parties out of dissatisfaction, Maxsenti is betting that his deep roots—as a business leader, coach of eighteen sports teams, and non-profit board member—will carry more weight than a party label.“We need people to go to congress who have proven credibility and skills to bring people together and create solutions to problems, who are not there to make a win; they're there to make a solution.”He admits that the execution of certain policies, like the Department of Government Efficiency (DOGE) and ICE operations, has been “unfortunate” or “tragic” in its delivery. Yet, he remains committed to the core objective: a total system audit and a return to national sovereignty.Final ReflectionsWhether you find Michael's shift to the GOP a pragmatic necessity or a bridge too far, his perspective highlights the deep fractures in our political soul. He isn't offering the usual partisan comfort food. Instead, he's presenting a choice: continue the “downhill slide” of the last few decades, or take a gamble on an “insider-outsider” who believes the system can be reclaimed from the globalist elites.“At my age I'm obviously not going there to do anything other than help change the rules... so that we can have the long term results that the people can see and feel in their lives.”It's a sobering analysis for anyone who cares about the future of this republic. As we navigate the coming months, the question won't just be which party wins, but whether the people we send to Washington have the courage to stop “taking a knee” to anyone but the people they serve.If you enjoyed this deep dive and want to support the work we do here, please consider becoming a YouTube channel member. Your support helps cover the operating costs for the Nerds for Humanity livestream and keeps these independent conversations going. Plus, as a thank you, you'll get a shout-out on every livestream!Bye nerds. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit nerdsforhumanity.substack.com

In this new episode of Weekend Conversations, host Robert Glazer and producer Mick Sloan dig into the recent headline that 40% of Stanford students receive academic accommodations for a disability. Robert and Mick delve into how that data compares to other universities, why Stanford's accommodations are out of step with similar universities, and what all this says about parenting, academic culture, and the struggle to adapt to the real world after graduation. Read The Post: ⁠⁠Accommodation Exploitation (#523)⁠ Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠⁠⁠⁠vanguard.com/audio Learn more about your ad choices. Visit megaphone.fm/adchoices

Adam Coffey is a visionary leader who drives growth and builds great cultures. Adam is an Army veteran, a former GE executive, and served as CEO of three service companies for over 20 years. He is the bestselling author of four books, including Empire Builder and The Private Equity Playbook. Adam is currently Chairman of The Chairman Group, a world class consulting business. Adam joined host Robert Glazer on the Elevate Podcast to talk about leadership lessons from two decades as a CEO, GE's approach to leadership training, and much more. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠framer.com/elevate⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homeserve: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠homeserve.com⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠vanguard.com/audio Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's guest on The Long View is Sara Devereaux. Sara is the Chief Investment Officer of Vanguard Capital Management and Global Head of Fixed Income. She oversees the investment professionals responsible for portfolio management, trading, and research for Vanguard's internally managed fixed-income funds and ETFs, including actively managed bond and money market portfolios and bond index portfolios. Before joining Vanguard in 2019, Sara was a partner at Goldman Sachs, where she spent over 20 years in mortgage-backed securities and structured products trading and sales. Earlier in her career, she worked at HSBC, in risk management advisory and interest rate derivative structuring. She started her career as an actuary at AXA Equitable Life Insurance. Barron has named Sara to its annual list of the 100 Most Influential Women in US Finance every year since 2022.Episode Highlights00:00:00 Vanguard's Investing Philosophy and New Innovations00:06:20 Active Fixed-Income Strategy and the Alpha Waterfall00:13:34 ETF's Explosion, Active Management, and Private Credit Risk00:23:10 How Technology Is Reshaping the Bond Market00:29:51 Bond Market Performance 2025, Bonds as Ballasts, and Term Premiums00:37:27 Bond Market Risks in 202600:42:51 Shifting Policy Crosswinds, Cracks in Credit, and AI Capex Risks00:50:18 Technical Signals to Watch in 2026Books MentionedStay the Course: The Story of Vanguard and the Index RevolutionMore From MorningstarVanguard's Sara Devereux: Why It's a ‘Terrific Environment' for Bond IncomeSalim Ramji: The Industry Uses Complexity As a Mask to Charge MoreMorningstar's Guide to Fixed-Income InvestingIf you have a comment or a guest idea, please email us at TheLongView@Morningstar.com.Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances.If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Alan Barnard is one of the world's foremost experts on decision science and the Theory of Constraints (TOC). He's the Founder and CEO of Goldratt Research Labs, which he co-founded in 2008. Over three decades, Alan has helped leaders in organizations like Microsoft, Nike, Cisco, Tata Steel, SAP, and the UN find the leverage points that turn impossible problems into sustainable breakthroughs. Dr. Barnard is also the author of From Fragile to Robust to Anti-Fragile, a groundbreaking book on how individuals and organizations can use stress, complexity, and change to grow stronger under pressure. Dr. Barnard joined host Robert Glazer on The Elevate Podcast to talk about how to be anti-fragile in an unpredictable world, building resilience, thriving under constraints, and more. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠masterclass.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Framer: ⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevatefree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanguard: ⁠⁠vanguard.com/audio Learn more about your ad choices. Visit megaphone.fm/adchoices