Podcasts about The Wall Street Journal

On September 9, 2023, a road-rage encounter in South Carolina turns into a nine-mile chase and ends with 33-year-old Scott Spivey dead on a rural back road. Police quickly call it self-defense under Stand Your Ground. But Scott's sister, Jennifer Foley, doesn't buy it. As the case is closed and sealed off, she starts building her own timeline, until a civil lawsuit forces the release of the evidence file: thousands of documents, photos, body-cam and dash-cam footage, and recorded phone calls that suggest the official story was shaped from the start. Wall Street Journal reporter Valerie Bauerlein and attorney Mark Tinsley follow the trail into a world of conflicts of interest, missing (or buried) evidence, and a system that treats the shooter as the victim. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

A.M. Edition for Feb. 25. In the longest State of the Union address on record, President Trump tried to persuade Americans that the economy is in better shape than many think it is. WSJ White House reporter Meridith McGraw parses the speech where Trump doubled down on his tariffs, immigration policies and attacks on Democrats. Plus, Warner Bros. Discovery says the latest takeover bid from Paramount could top the best offer from Netflix. And, Anthropic says it could roll back the safety commitments it's known for - if a rival releases a superior AI model. Daniel Bach hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are SO EXCITED to welcome Austin Hankwitz (content creator, entrepreneur, and investor) onto the show. You may know Austin as the co-host of the Rich Habits Podcast, the CEO of Witz Venture, or his many features (in CNBC, The Wall Street Journal, Business Insider, and more). We talk to Austin about his background, play a fun game giving our opinion on recent headlines, and answer your financial questions. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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

Today's Headlines: The State of the Union ran a record-breaking 1 hour and 47 minutes, topping Donald Trump's own mark from last year. He opened with the men's Olympic hockey team, then rolled through familiar theatrics. Trump announced Vice President James Donald Bowman will lead a new “war on fraud,” said he'll continue tariffs despite the Supreme Court's ruling against them, teased a tax cut plan designed to bypass Congress, and gave a noncommittal “we'll see” on war with Iran if nuclear talks fail. Dozens of Democrats skipped the address. Those who attended brought guests including Americans affected by ICE enforcement and survivors connected to Jeffrey Epstein, turning the gallery into its own counterprogramming. Speaking of Jeffrey Epstein, NPR reported the Justice Department appears to have withheld dozens of pages from its Epstein file release, including documents referencing past allegations involving Trump. The gaps were identified through FBI logs and serial numbers. In Norway, former Prime Minister Thorbjørn Jagland — an Epstein associate — was hospitalized after an apparent suicide attempt days after police opened a corruption probe into his ties to Epstein. In other news, U.S. Ambassador to France Charles Kushner was briefly sidelined diplomatically after failing to appear at the French Foreign Ministry over a U.S. statement criticizing political violence in Lyon. He later smoothed things over with a phone call. Marking four years since Russia's invasion of Ukraine, Hungarian Prime Minister Viktor Orbán pledged to block $105 billion in EU aid to Ukraine, while Secretary of State Marco Rubio suggested Hungary could receive relief from certain U.S. sanctions. The Wall Street Journal reports the administration is considering requiring banks to collect and verify customers' citizenship status — a shift from current anti–money laundering rules. As if it wasn't chaotic enough, we've been blessed by 2 whistleblowers. A former ICE instructor told Congress the agency has cut constitutional and firearms training, and separate reporting alleges FBI response delays to a December mass shooting were tied to Kash Patel's jet use. And in Texas, Rep. Tony Gonzales is facing calls to resign following reports of an alleged affair with a staffer who later died by suicide. Resources/Articles mentioned in this episode: Axios: House Republican joins Democrats in SOTU Epstein protests NPR: Justice Department withheld and removed some Epstein files related to Trump The Statesman: Former Norwegian PM Thorbjorn Jagland hospitalised after ‘suicide attempt' amid Epstein-linked corruption probe AP News: US ambassador to France defuses spat with Paris over US remarks WaPo: Hungary blocks Europe's aid for Ukraine on war's fourth anniversary WSJ: Trump Administration Considers Requiring Banks to Collect Citizenship Information MS Now: ICE whistleblower comes forward to testify before Congress Express News: Tony Gonzales had affair with aide who set herself on fire, ex-staffer says Subscribe to the Betches News Room and join the Morning Announcements group chat. Go to: ⁠⁠⁠betchesnews.substack.com Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Warner says Paramount's newest bid could best Netflix deal. And Anthropic dials back AI safety commitments amid fierce competition. Daniel Bach hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kara Hinshaw has been in the Real Estate Industry for 20+ years and is an absolute LEGEND in the Industry! In this GSD Mode Podcast Interview Kara shares Her entire journey, from being New to Top Individual Realtor to Top Team Leader/Real Estate Brokerage Owners + Shares Her top tips to creating success to creating success with Geo Farming, Social Media, Internet leads (PPC, Zillow, Realtor, etc), AI and much more! This is an absolute MUST watch Interview!   ➡️Connect with Kara Hinshaw: Facebook: https://www.facebook.com/kara.hinshaw Instagram: https://www.instagram.com/karahinshaw.indianarealtor/ Website: https://www.karahinshaw.com/   ➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD   ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/   About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor

" What in the Silicon Valley ethos of move fast and break stuff would make us expect that they are going to have any real safety concerns at all?"A new report from the Wall Street Journal reveals the U.S. tech company OpenAI knew of troublesome ChatGPT usage by Jesse van Rootselaar, months before the Tumbler Ridge shooting, and did nothing. The news stoked ongoing calls for better guardrails on A.I. chatbots and beyond.Will Canada's A.I. Minister Evan Solomon decide to “ignore all previous instructions” from Silicon Valley, and ramp up regulation of A.I.?Freelance journalist Luke Savage joins host James Nicholson to discuss.Host: James Nicholson Credits: James Nicholson (Producer), Kallan Lyons (Associate Producer and Fact Checking), Caleb Thompson (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Luke Savage Further reading: OpenAI Employees Raised Alarms About Canada Shooting Suspect Months Ago | The Wall Street JournalOpenAI did not mention Tumbler Ridge shooter's posts in meeting with B.C. officials day after mass shooting: province | The Globe and MailEvan Solomon teases new AI laws as experts warn Canada is behind international peers | BetakitCanada Still Has No Meaningful AI Regulation | Canadian Centre for Policy AlternativesSeven Lawsuits Allege OpenAI Encouraged Suicide and Harmful Delusions | The Wall Street Journal Sponsors: Fizz: Visit fizz.ca and activate a first plan using the referral code CAN25 to get 25$ off and 10GB of free data.Douglas: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today. Visit douglas.ca/canadaland to claim this offer.BetterHelp: Visit BetterHelp.com/canadaland today to get 10% off your first month.If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. Hosted on Acast. See acast.com/privacy for more information.

We've been conditioned to believe that saying less is safer. But playing it safe costs trust, influence, stronger negotiations, and deeper relationships because the line between “too much” and meaningful connection is further out than we think. In the latest episode of Habits & Hustle, I'm joined by author Leslie John to break down the exact tipping point where leader vulnerability backfires, why holding your cards close in negotiation weakens your leverage, and how pushing slightly past your comfort zone builds real authority. Leslie John is the James E. Burke Professor of Business Administration at Harvard Business School and author of Revealing: The Underrated Power of Oversharing. Her award-winning research appears in top academic journals and media including The New York Times, The Wall Street Journal, and The Economist. What's Discussed (04:00) Why oversharing feels risky but builds stronger relationships and influence (06:31) The difference between emotional dumping and strategic vulnerability (18:23) Disclosure flexibility and knowing when to reveal versus hold back (20:55) Why long term relationships erode when partners stop sharing (27:15) How strategic transparency increases trust and customer retention (28:50) The most common negotiation mistake: leading with concealment (34:03) Leader vulnerability and the tipping point where credibility drops (41:01) Authenticity versus impulse and why emotional intelligence matters Thank you to our sponsors: Rho Nutrition: Try Rho Nutrition today and experience the difference of Liposomal Technology. Use code JEN20 for 20% OFF everything at https://rhonutrition.com/discount/jen20. Prolon: Get 30% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Program! Just visit https://prolonlife.com/JENNIFERCOHEN and use code JENNIFERCOHEN to claim your discount and your bonus gift. Therasage: Head over to therasage.com and use code Be Bold for 15% off  Air Doctor: Go to airdoctorpro.com and use promo code HUSTLE40 for up to $300 off and a 3-year warranty on air purifiers. Magic Mind: Head over to www.magicmind.com/jen and use code Jen at checkout. Momentous: Shop this link and use code Jen for 20% off  Manna Vitality: Visit mannavitality.com and use code JENNIFER20 for 20% off your order  Amp fit is the perfect balance of tech and training, designed for people who do it all and still want to feel strong doing it. Check it out at joinamp.com/jen  Find more from Jen:  Website: https://jennifercohen.com Instagram: @therealjencohen Books: https://jennifercohen.com/books Speaking: https://jennifercohen.com/speaking-engagement Find more from Leslie John: Website: https://lesliekjohn.com Instagram: @proflesliejohn Youtube: @ProfLeslieJohn X: @ProfLeslieJohn

President Trump has spent much of the past year trying to pump up international investment in U.S. factories. He's promised to bring back jobs that have moved overseas. WSJ's Gavin Bade investigates a Chinese automotive glass plant in the Ohio heartland and explores the risks when America's biggest rival sets up shop. Jessica Mendoza hosts.   Further Listening: - Trump's Tariffs Are Illegal. He's Got a Plan B. - How Tariffs Could End Italian Pasta in the U.S. - The Tariff Trade Off: Jobs vs. Higher Prices Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Pentagon says an attack on Iran may lead to significant risks for U.S. soldiers, allies and resources. The Wall Street Journal’s Alex Ward joins to discuss what one of the military’s top leaders is saying about the situation. Netflix’s bid to buy Warner Brothers just got a little more complicated. Deadline’s Dominic Patten explains why the DOJ is now involved. GLP-1 drugs such as Ozempic have exploded in popularity for their weight-loss effects. Dhruv Khullar of the New Yorker considers how they could be used to treat conditions like addiction. Plus, record snowfall hit parts of the northeast as a massive winter storm moved through, Mexico is experiencing more violence after the country’s top drug lord was killed, and President Trump prepares for his State of the Union address. Today’s episode was hosted by Yasmeen Khan.

A.M. Edition for Feb. 24. The Trump administration is considering new national security tariffs on a half-dozen industries, after the Supreme Court last week invalidated many of the president's second-term levies. That ruling has prompted companies like FedEx, Revlon and Costco to file suit. Plus, President Trump is expected to tout the U.S. economy in his State of the Union later. But as WSJ's Alex Frangos explains, the economic report card is a bit more mixed. And, Ukraine marks a grim milestone as the war with Russia enters its fifth year. Daniel Bach hosts. A look at Apple's push to build an all-American chip. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Feb. 24. Defense Secretary Pete Hegseth told Anthropic CEO Dario Amodei at a meeting today that the company has until Friday to comply with the Pentagon's demands on using its artificial-intelligence models, or Anthropic's contract may be canceled. Plus, Meta and AMD announce a chip deal worth $100 billion. Journal reporter Robbie Whelan discusses what the deal entails, and why it's got investors excited. And, in an exclusive, we're reporting that the Trump administration is considering requiring banks to collect citizenship information from customers. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chip makers and other suppliers are building plants on American soil, spurred on by the promises of Big Tech's investment in U.S. industry. WSJ reporter Rolfe Winkler takes us behind the scenes of the effort to manufacture technology onshore. Plus, how low can you go when it comes to headcount? Enterprise reporter Belle Lin explains why that's the question all AI startups are asking in their bid to prove efficiency. Katie Deighton hosts. Sign up for the WSJ's free Technology newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Imagine you're getting ready for a job interview. What do you do to prepare? You may have your sibling do a mock interview. You might also panic-buy a professional looking workbag.Now, imagine you learn your interviewer is an artificial intelligence bot. This is becoming a more common occurrence. Employers are outsourcing not just the screening of applications to artificial intelligence, but also the interviewing.Ray Smith, workplace reporter at The Wall Street Journal, wrote about how to prepare for this experience after esting a couple job interviews with an AI. He said it was nerve-racking.

Imagine you're getting ready for a job interview. What do you do to prepare? You may have your sibling do a mock interview. You might also panic-buy a professional looking workbag.Now, imagine you learn your interviewer is an artificial intelligence bot. This is becoming a more common occurrence. Employers are outsourcing not just the screening of applications to artificial intelligence, but also the interviewing.Ray Smith, workplace reporter at The Wall Street Journal, wrote about how to prepare for this experience after esting a couple job interviews with an AI. He said it was nerve-racking.

This week, we're featuring an episode of What's News in Earnings where we dig into companies' earnings reports and analyst calls to find out what's going on under the hood of the American economy. Financial results from homebuilders PulteGroup, D.R. Horton and Toll Brothers give investors a peek at the forces shaping housing markets across the country ahead of the all-important spring selling season. Wall Street Journal national housing reporter Nicole Friedman discusses insights into affordability and regional differences. Veronica Dagher hosts this special bonus episode of What's News in Earnings.  Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the reason you still feel off (despite trying every diet, supplement, routine, and hormone protocol) is that nobody has ever treated your body as the energy system it actually is? In this conversation, Allison Maslan, who is a classically trained homeopath, founder of Pinnacle Global Network, and a Wall Street Journal bestselling author dives into a conversation that goes far beyond conventional health advice. Allison spent 20 years running her own homeopathic practice, treated thousands of patients, and founded the first homeopathic college in Southern California. She's also in her early 60s, flies trapeze, and is proof that your most powerful chapter can start in midlife. We unpack what homeopathy actually is and why it's been written out of mainstream American medicine, how it can support women navigating menopause and perimenopause (especially those who can't or don't want to use hormones), the science of why your brain literally cannot tell the difference between a vivid visualization and reality, the 1980s study that proved men in their 70s and 80s can physically reverse aging through mindset alone, and Allison's exact Vision Crafting process – the morning ritual she uses to manifest everything from her dream home to business breakthroughs. This episode is for the woman who is tired of only playing defense with her health and is ready to start playing offense with her life with real, science-backed mechanics of how your brain shapes your body and what you can do with that tomorrow morning.  

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

Stocks rebounded despite new global tariffs. Plus: Home Depot shares gain on strong quarterly results. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: FedEx sues the Trump administration seeking a tariff refund. And U.S. markets are pointing to a higher open following a selloff sparked by fears of AI disruption and trade-policy uncertainty. Daniel Bach hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Novo Nordisk is set to cut prices of GLP-1's by as much as half next year. And consumer confidence was up for February. Anthony Bansie hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Behind The Numbers With Dave Bookbinder, Dave speaks with entrepreneur and author Betsy Pepine about her book Breaking Boxes: Dismantling the Metaphorical Boxes That Bind Us — and what those “boxes” really mean for business owners. They move beyond the metaphor and into the boardroom. Dave and Betsy examine how invisible constraints — family expectations, industry norms, identity labels, fear of judgment — quietly shape leadership decisions, company culture, and growth trajectories. More importantly, they explore what it takes to recognize and dismantle those constraints before they limit enterprise value. Betsy shares candid stories from building and scaling her real estate businesses, including a pivotal employee departure that forced a hard look at culture and alignment, and her unconventional decision to create salaried agent roles in an industry built on commission. The conversation tackles how fear masquerades as strategy, how misalignment shows up physically and relationally for leaders, and how outdated assumptions can cap performance long before the numbers reflect it. You'll hear practical insights for business owners and advisors alike: How to identify the “boxes” shaping your decisions Why growth often stalls at identity, not capability The role of outside counsel, peer groups, and masterminds in exposing blind spots How authentic alignment strengthens culture - and ultimately business results If you're a business owner, executive, or advisor who senses that something is holding your organization back  but can't quite name it, this conversation will help you connect the dots between mindset, leadership behavior, and measurable outcomes. About Our Guest: Betsy Pepine is a best-selling author, speaker and serial entrepreneur in real estate. Her brokerage, Pepine Realty, has been named as an Inc. 5000 Fastest Growing Private Company in the USA multiple times and has earned spots on the Top 50 Florida Companies to Watch and Florida Trend Best Companies to Work For lists. Additionally, the Wall Street Journal has consistently recognized Betsy's real estate team as one of the top-producing real estate companies in the United States. Betsy also owns a title company, real estate school and property management brokerage. Betsy is endorsed by her mentor, real estate mogul, and Shark Tank shark Barbara Corcoran, as well as leading media personality, Dave Ramsey. Passionate about helping at-risk families with children, Betsy founded Pepine Gives, a 501(c)3 non-profit foundation that helps families facing housing insecurity. Betsy earned an economics degree from Duke University and an MBA from The Wharton School of Business at the University of Pennsylvania. About the Host: Dave Bookbinder is known as an expert in business valuation and he is the person that business owners and entrepreneurs reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.  Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.  He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.” Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.

In this episode of Clover, I'm joined by Camille Ricketts, now a partner at XYZ Venture Capital and formerly a marketing leader at Tesla, First Round Capital, and Notion.Camille's career journey has been anything but linear—starting as a journalist at The Wall Street Journal, moving into communications at Tesla, where she worked directly with Elon Musk, then pioneering content marketing with First Round Review, and later scaling community-led growth at Notion. Today, she brings that breadth of experience to her work in venture capital, helping founders and startups thrive.We cover:What it's like to pivot when the path you've been working toward isn't the right fit.Lessons from building Tesla's early communications team and learning from Elon's leadership style.How Camille created the First Round Review, one of the most influential startup content platforms.What it takes to scale community and user-led storytelling at Notion.Why understanding which “stage” of company you thrive in is essential to building your career.How Camille defines success today—by helping others rise and giving credit away.Camille's story is a reminder that careers aren't ladders—they're winding, evolving journeys built on curiosity, adaptability, and purpose.Related links or mentions within the episode:Communities / Resources:Play Bigger: How Pirates, Dreamers, and Innovators Create and Dominate Markets (book)'Give Away Your Legos' and Other Commandments for Scaling Startups (article)Lean In: Women, Work, and the Will to Lead (book)Social Media / Links:Twitter/X: @CamilleRickettsLinkedIn: Camille Ricketts

After investing in a Dalian meat company, a consortium of investors discovered their money had vanished, only to face obstacles from local authorities. (00:00:58) The Cross-Border Investor's Nightmare Scenario (00:01:54) The $15.4 Million Bet on a Pork Empire (00:02:22) When the Lights Went Out: Filings Halt and Capital Vanishes (00:03:15) Bankruptcy Restructuring — Or a Shell Game? (00:04:04) A Zombie Company: Factory Alive, Equity Dead   Note: The conversation segment of this episode was generated using AI and has been edited for accuracy. It is based on this Caixin story: In Depth: How a $15 Million Chinese Pork Deal Turned Into a Cautionary Tale for Foreign Investors Subscribe now to unlock all coverage from Caixin Global and The Wall Street Journal for just $200 a year, enjoying a 66% discount. Group discounts are available — contact us for a customized plan.    

Se cumple el cuarto aniversario de la invasión rusa de Ucrania y el secretario general de la ONU, António Guterres, asegura que la devastadora guerra es, cada vez, más letal para los civiles. A las 6 de la mañana han entrado en vigor los aranceles globales de EEUU. WSJ adelanta que Trump centrará en la economía su discurso de hoy sobre el Estado de la Unión.

Anthropic is feuding with the U.S. military, despite their massive $200 million contract. The company says that its AI model, Claude, cannot be used for weapons development or surveillance. The Pentagon is pushing back against those limitations. WSJ's Amrith Ramkumar joins Jessica Mendoza to explain why the Department of Defense is now threatening to label Anthropic a supply chain risk.  Further Listening: - AI Bots Have Social Media Now. It Got Weird Fast. - Vibe Coding Could Change Everything - Her Client Was Deepfaked. She Says xAI Is to Blame. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for Feb. 23. After Friday's Supreme Court ruling, new tariffs are on the table. But WSJ correspondent Tom Fairless says President Trump's favored tool for remaking global trade hasn't helped to shrink the U.S. trade deficit, with many U.S. trade partners now subsidizing their export-driven economies. Plus, violence erupts in Mexico after the military kills the country's most powerful drug kingpin, escalating the government's crackdown on cartels. And the once-boring ETF market is embracing more exotic and risky bets, with asset managers looking to grab a slice of the fees they generate. Daniel Bach hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Feb. 23. U.S. stocks were down today after the latest tariff moves over the weekend, while U.S. business leaders are scrambling to figure out what this means for them. We hear from reporter Chip Cutter about the questions they have and how they're trying to address them. Plus, Anthropic has accused three Chinese AI companies of using its Claude model to improve their own systems. WSJ reporter Robert McMillan discusses why Anthropic says that's a threat to national security… and its business. And the Pentagon is flagging risks of a major operation against Iran to President Trump. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 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   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   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 of 188 world nations. He has a list show guests include 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  1:09   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 you   Corey Coates  1:40   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  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   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,   Keith Weinhold  20:45   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,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   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  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Plus: European lawmakers are considering stopping a vote on a trade deal with the U.S. in light of last week's Supreme Court ruling on tariffs. And Novo Nordisk shares fell sharply after its experimental obesity drug failed to beat out Eli Lilly's Zepbound. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: President Trump boosts his new global tariff to 15% after the Supreme Court rules many of his duties illegal. And a blizzard causes mass flight cancellations on the U.S. East Coast. Daniel Bach hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Dow lost more than 800 points. Plus: Netflix shares slide after President Trump places political pressure on the streamer. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

0:30 - Bessent on Mar-a-Lago shooting...venom from the Left 18:19 - Sports and Politics 38:21 - Trump responding to SCOTUS holding in tariff case 01:02:36 - ICE/border/deportations 01:21:23 - Steven Bucci of The Heritage Foundation breaks down developments in Iran, Venezuela, and the escalating cartel wars in Mexico. 01:39:21 - Richard A. Epstein of the University of Chicago weighs in on the Supreme Court’s decision regarding Trump’s tariffs. 02:01:36 - Richard M. Reinsch, editor-in-chief of Civitas Outlook, discusses the tariff decision and argues the case for conservatism is as strong as ever. You can follow Richard on X @Reinsch84 02:21:50 - Dominic Green, columnist for The Washington Examiner & contributor to the Wall Street Journal, examines the Epstein files and the elite culture that shaped the 1990s. Follow Dominic on X @DrDominicGreenSee omnystudio.com/listener for privacy information.

Susan Guthrie welcomes special guest Michelle Farris for a powerful conversation about codependency, the hidden dynamic beneath many struggling relationships. Michelle is a licensed psychotherapist, codependency expert, and anger management specialist. Together, they explore what codependency really is, why it often begins in childhood, and how it can quietly shape both a marriage and the way a divorce unfolds. Susan and Michelle unpack the patterns of overgiving, overfunctioning, and self-sacrifice that leave so many people depleted and resentful, often without fully understanding why. They also explore why anger can erupt during divorce, how long-standing relationship patterns repeat when left unexamined, and what it takes to begin building boundaries and self-trust moving forward. This conversation is especially meaningful for anyone who feels stuck in one-sided relationships, struggles to say no, or wonders why they keep giving more than they receive. It offers an honest, practical look at how recognizing codependency can change not only your divorce, but everything that comes after it. What You'll Learn Codependency is not about kindness. It is a pattern of overfunctioning to feel secure, often leaving you exhausted and resentful Why anger during divorce is often stored pain from years of saying yes when you meant no, and how to channel it constructively The difference between being nice and being clear, and why self-advocacy is essential for a healthy divorce process How overgiving, avoiding conflict, or agreeing too quickly can cost you emotionally and financially during divorce Why identifying your boundaries, triggers, and non-negotiables is key to approaching divorce from a grounded and empowered place About the Guest Michelle Farris is a psychotherapist, codependency expert, and anger management specialist with a passion for helping people break free from codependent patterns and manage emotions with confidence. She's been featured in several online publications and podcasts, known for her down-to-earth approach and expertise. Through her online courses and digital resources, she teaches practical tools for codependency recovery, emotional regulation, self-trust, and lasting relationship success. Connect with Michelle Farris Website: https://counselingrecovery.com YouTube: https://www.youtube.com/@MichelleFarrismft Grab Michelle's Free Resource: 7 Steps to Healing One-sided Relationships https://counselingrecovery.lpages.co/codependent-relationship-freebie/ Special Episode Resource: The Codependent Divorce Mistakes That Cost You Thousands + Divorce Boundaries Planning Worksheet If this conversation is resonating with you, Susan has created a companion blog and downloadable resource, The Codependent Divorce Mistakes That Cost You Thousands. It includes a Divorce Boundaries Planning Worksheet to help you define your limits, recognize your emotional triggers, and approach your divorce from a more grounded and confident place. Read the blog post and download the worksheet here. https://divorceandbeyondpod.com/latest-episode Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** Special Offer from Blue Mercury Treat yourself to luxury skincare, makeup, and fragrance favorites from Blue Mercury, your destination for beauty and self-care. Divorce & Beyond listeners receive 15% off their first order when they use the special link in the show notes. Because you deserve to look and feel your best,  inside and out. You must use this link to receive the 15% off on your first Blue Mercury order: https://divorcebeyond.com/Blue-Mercury ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

This week we are joined by Nalini Singh! Nalini Singh is the New York Times, USA Today, Wall Street Journal, and international bestselling author of the iconic Psy-Changeling and Guild Hunter series of paranormal romances. She also writes atmospheric New Zealand-set thrillers, the latest of which is SUCH A PERFECT FAMILY.  Two of her thrillers have been optioned for television adaptation. Check her out at www.nalinisingh.com!In this episode, Nalini Singh dives deep into weaving Fiji, New Zealand, and Indo-Fijian heritage seamlessly into her thrillers and romances, making her stories resonate worldwide. Discover how she balances multiple genres without losing her writer's voice, and learn about her approach to plot surprises, character development, and integrating her rich cultural background. This episode is perfect for authors, storytellers, or culture enthusiasts eager to craft stories that highlight diversity and depth.Recommendations From This Episode: Rachel Van Dyken - Season 5, Episode 42Send HelpFollow Nalini: @authornalinisinghFollow Carly: @carlyjmontagFollow Emily: @thefunnywalshFollow the podcast: @aloneatlunchpodPlease rate and review the podcast! Spread the word! Tell your friends! Email us: aloneatlunch@gmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bei der NATO-Übung „Hedgehog 2025“ sollten 16.000 Soldaten ihre Einsatzbereitschaft unter Beweis stellen. Doch laut einem Bericht des „Wall Street Journal“ zeigten sich gravierende Schwächen im Umgang mit moderner Kriegsführung, insbesondere mit Blick auf Drohnen.

A reading of articles and features from the weekend edition of the Wall Street Journal

On Thursday, February 19, speakers dug into the latest revelations in the Epstein saga, including high-profile arrests abroad, and asked the pressing question: why is accountability happening overseas while America stalls?In this urgent Big Tent conversation, Camaron Stevenson and Nina Burleigh of COURIER, moderated by Kimberly Atkins Stohr of "The Boston Globe", explored what the document releases reveal about power, money, and political protection—and how entrenched interests may be slowing justice at home. They examined congressional inaction, the role of media pressure, and whether partisan gridlock is shielding key figures. The discussion made clear that transparency is not automatic; it's forced by public demand.Most importantly, this wasn't just analysis—it was a call to action. Attendees were urged to push representatives for full, un-redacted disclosures, support investigative journalism, and keep sustained pressure on institutions that would prefer silence.Accountability isn't a spectator sport—it's a citizen's responsibility.Want to do something tangible to help protect democracy? Check out BigTentUSA's calls to action, updated regularly:https://bigtentusa.org/act-now/Visit “COURIER Newsroom” today:https://couriernewsroom.com/Read the latest from Nina Burleigh in her Substack newsletter, “American Freakshow”:https://www.americanfreakshow.news/Follow Camaron Stevenson's reporting at “The Copper Courier”:https://coppercourier.com/Check out COURIER's searchable database for the Epstein Files: https://couriernewsroom.com/news/epstein-files-database/For more from Kimberly Atkins Stohr, read her work in her Boston Globe newsletter “The Gavel” and tune into “Sisters in Law”: https://www.bostonglobe.com/newsletters/gavel/ and https://www.politicon.com/podcasts/sisters-in-law/ABOUT THE SPEAKERS:Nina Burleigh is a a journalist, best-selling author, documentary producer, and publisher of a Substack on politics called "American Freakshow". A contributing editor at "The New Republic" and frequent contributor to "The New York Times" and "New York Magazine", her journalism has been published widely including in translation in the Norwegian and Italian press. She's the author of eight books on an array of topics including archaeological forgery, scientists in 18th Century Egypt, James Smithson, Amanda Knox in Italy, and the Trump women, which were reviewed, excerpted or covered in "The New York Times", "The Wall Street Journal", "The Nation", "New York Magazine", BBC, ABC, MSNBC, and other media outlets.Camaron Stevenson is the Founding Editor and Chief Political Correspondent for "The Copper Courier", and has worked as a journalist in Phoenix for over a decade. He also teaches multimedia journalism at the Walter Cronkite School of Journalism and Mass Communication at Arizona State University.Kimberly Atkins Stohr is a senior opinion writer and columnist at "The Boston Globe". She is also an MSNBC contributor, a frequent panelist on NBC's “Meet the Press,” and co-host of the weekly Politicon legal news podcast "#SistersInLaw". Previously, Kim was the inaugural columnist for "The Emancipator", a collaboration between "The Boston Globe" and Boston University's Center for Antiracist Research that reframes the conversation about racial justice and equality. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bigtentnews.substack.com

What are the differences in black and white comedians and the audiences they draw? I had an interesting experience opening for DL Hughly. He was a huge star and I was an open mic comic. It didn't go well for me. Here's the quick story and the lesson I learned.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

France recently ordered government workers to stop using American videoconferencing tools like Teams or Zoom and instead use a program developed by the French state. The move is just the latest example of a growing “tech sovereignty” trend, as countries seek to build their own digital technologies to reduce their dependence on the U.S. private sector. Luke Vargas speaks to the man leading France's “digital sovereignty” push, David Amiel, France's Minister for State Reform, and to WSJ tech reporter Sam Schechner about what it could all mean for Silicon Valley. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of WSJ's Take On the Week, co-host Miriam Gottfried and guest host Dan Gallagher, a tech columnist for Heard on the Street, chat with Jefferies software analyst Brent Thill about the recent turbulence in the business software market. They talk about the growing fears that AI will replace the need for traditional software-as-a-service, or SaaS, platforms like Intuit, Salesforce, and Workday. They analyze how the narrative around AI "vibe coding"—where businesses generate their own apps using simple text prompts—has led to a sharp selloff in cloud software stocks. They also note other factors weighing on the sector, including tech layoffs and the shift away from seat-based software pricing models and toward consumption-based metrics. After the break, Thill explains why he thinks the market's fears over AI disrupting major enterprise software are overblown. They explore why large companies won't trust AI with critical systems for payroll, accounting or taxes. Then Thill makes the case for why AI infrastructure and security companies remain safe bets, and why the current tech selloff and depressed valuations are setting the stage for a massive tech M&A boom driven by private-equity firms. This is WSJ's Take On the Week where co-hosts Telis Demos, Heard on the Street's banking and money columnist, and Miriam Gottfried, WSJ's investing and wealth management reporter, cut through the noise and dive into markets, the economy and finance—the big trades, key players and business news ahead. Have an idea for a future guest or episode? How can we better help you take on the week? We'd love to hear from you. Email the show at takeontheweek@wsj.com. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com Further Reading Threat of New AI Tools Wipes $300 Billion Off Software and Data Stocks AI Won't Kill the Software Business, Just Its Growth Story What You Need to Know About the AI Models Rattling Markets Meta Overshadows Microsoft by Showing AI Payoff in Ad Business Thoma Bravo's $34 Billion Fundraising Haul Bucks Private-Equity Slowdown IBM Strikes $11 Billion Deal for Confluent For more coverage of the markets and your investments, head to WSJ.com, WSJ's Heard on The Street Column, and WSJ's Live Markets blog. Sign up for the WSJ's free Markets A.M. newsletter.  Follow Miriam Gottfried here and Telis Demos here.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever heard the phrase "healthy competition?" Competing is often viewed as a positive: we are told that it motivates us, drives innovation, and helps us excel. But what if this approach were mistaken, and competition actually causes more harm than good? In this panel discussion, author Ruchika T. Malhotra will be joined by Ijeoma Oluo, Ekin Yasin, and La'Kita Williams to explore the central ideas of her new book, Uncompete: Rejecting Competition to Unlock Success. Author Ruchika Malhotra offers a different framework for success than what we are used to. Uncompete argues that competition leads to exhaustion, anxiety, burnout, and an isolating lack of community. It encourages a scarcity mindset and keeps us from reaching our true potential. Instead, Malhotra argues, we should be investigating this cultural norm and even rewriting it into ways that are likely unfamiliar, such as by tapping into benign envy or finding joy in other people's victories. Drawing on interviews as well as Malhotra's own experiences working with corporations as an inclusion strategist, Uncompete promotes a culture of collaboration and mutuality. The book offers that this approach leads not only to a happier workplace, but one more likely to succeed. Likewise, it can also lead to happier and healthier lives even outside of work. Malhotra subverts the dominant, dog-eat-dog paradigm and makes a radical argument: there is room for everyone at the table and everyone can succeed. Ruchika T. Malhotra is the founder of Candour, a global inclusion strategy firm that has worked with some of the world's biggest organizations. She is a regular contributor to Harvard Business Review and was a founding editor of The Establishment, a women-funded-and-led media website, has written for The New York Times, Forbes.com, TIME, Bloomberg, Wall Street Journal, Quartz, The Seattle Times, and more. She was an adjunct faculty in Communications at University of Washington and Seattle University and is the author of INCLUSION ON PURPOSE: An Intersectional Approach to Creating a Culture of Belonging at Work, MIT Press' top selling book of 2022. Ijeoma Oluo is a Seattle-based writer, speaker, and internet yeller. She is the author of the #1 New York Times bestselling first book, So You Want To Talk About Race, Mediocre, and Be a Revolution. Her work on race and gender has been published in the New York Times, the Washington Post, and NBC News; and she has been featured on The Daily Show and NPR's All Things Considered. Named on the TIME 100 Next list and The Root 100, she's been awarded the Harvard Humanist of the Year Award, the American Humanist Association's Feminist Humanist Award, Gender Justice League's Media Justice Award, and the Equal Opportunity Institute's Aubrey Davis Visionary Leadership Award. Dr. Ekin Yasin is a professor, researcher, and program leader with expertise in communication, emerging technologies, and leadership development. As Director of the Communication Leadership graduate program at the University of Washington, her work explores how technology transforms identity, storytelling, influence, and global communication. She collaborates with universities around the world on program development, AI-integrated curriculum design, and responsive education models that meet the needs of a shifting global landscape. La'Kita Williams is the Founder and Principal Strategist of CoCreate Work, a future-focused coaching and consulting company specializing in executive coaching and organizational development. She holds a Master's in Social Work and is a Certified Professional Coach (CPC). La'Kita developed the 5 Components of Inclusive Culture, a step-by-step framework to help organizations, small businesses, and emerging companies build responsive workplaces that put humans first. La'Kita teaches graduate courses in the Department of Communication Leadership at the University of Washington, including Resilient and Inclusive Leadership for The Future of Work. She has been quoted in the New York Times, written for Harvard Business Review and MSNBC Know your Value, and has appeared on numerous podcasts to discuss leadership and the future of work.

Why did Walmart fall on strong earnings? And how are Omnicom's big cost cuts boosting its stock? Plus, will a major FDA reversal change Moderna's fortunes? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them.Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Why did Walmart fall on strong earnings? And how are Omnicom's big cost cuts boosting its stock? Plus, will a major FDA reversal change Moderna's fortunes? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them.Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been about a week since the Department of Homeland Security entered a partial shutdown, with Democrats refusing to fund the agency until changes are made to federal immigration enforcement. According to the White House, we are still no closer to a deal. But Democrats are reluctant to budge, and polling shows that most Americans think ICE has gone too far with its enforcement operations. Recent reporting from The Wall Street Journal paints a chaotic picture of DHS under Secretary Kristi Noem. In her colleagues' view, she's prioritized getting photo ops for herself over getting results for the Trump Administration. So for more on DHS scandals and what the future holds for Noem, we spoke with Michelle Hackman, a reporter covering immigration for The Wall Street Journal.And in headlines, President Trump worries America's 250th birthday might be soiled by the smell of feces emanating from the Potomac, former Prince Andrew Mountbatten-Windsor gets arrested on suspicion of misconduct in public office related to his ties to Jeffrey Epstein, and the Trump administration alienates MAHA by ramping up pesticide production.Show Notes: Check out Michelle's reporting – https://tinyurl.com/3xfpycmd Call Congress – 202-224-3121 Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8 What A Day – YouTube – https://www.youtube.com/@whatadaypodcast Follow us on Instagram – https://www.instagram.com/crookedmedia/ For a transcript of this episode, please visit crooked.com/whataday

In a 6-3 decision, the Supreme Court ruled that President Trump's global tariffs are illegal. It is the first time the Supreme Court has definitively struck down one of Trump's second-term policies, saying the president went too far in enacting his most sweeping tariffs without clear authorization from Congress. WSJ's Gavin Bade unpacks the ruling and discusses Trump's next steps. Ryan Knutson hosts. Further Listening: - Trump's Tariffs Force a New Era in Global Trade - How Tariffs Could End Italian Pasta in the U.S. - The Tariff Trade Off: Jobs vs. Higher Prices Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tensions with Iran are escalating as U.S. forces continue to build up in the region. The Wall Street Journal’s Alex Ward breaks down a new option that President Trump is weighing against Tehran. Andrew Mountbatten-Windsor, the former prince, was arrested on suspicion of misconduct while in public office. Fiona Hamilton of The Times of London joins to discuss why. A proposed rent-control law in Massachusetts has local Democrats. The Wall Street Journal’s Jared Mitovich explains why lawmakers in the state are at odds. Plus, Trump’s new “Board of Peace” met for the first time, a federal advisory commission approved plans for the new White House ballroom, and a big night for Team USA on the ice. Today’s episode was hosted by Cecilia Lei.

A.M. Edition for Feb. 20. Authorities from France, Norway, the U.K. and elsewhere across Europe are investigating evidence of potential crimes within recently-released Jeffrey Epstein files, while Justice Department officials say those documents warrant no further prosecutions. WSJ reporter Matthew Dalton breaks down their differing approaches. Plus, warning signs from the private-credit market invite comparisons to the runup to the global financial crisis. And President Trump orders the release of government files on UFOs after former President Obama says aliens exist. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bonus Episode for Feb. 20. Financial results from homebuilders PulteGroup, D.R. Horton and Toll Brothers give investors a peek at the forces shaping housing markets across the country ahead of the all-important spring selling season. Wall Street Journal national housing reporter Nicole Friedman discusses insights into affordability and regional differences. Veronica Dagher hosts this special bonus episode of What's News in Earnings, where we dig into companies' earnings reports and analyst calls to find out what's going on under the hood of the American economy. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Feb. 20. After the U.S. Supreme Court ruled the president exceeded his powers when he imposed global tariffs, Trump responded by announcing 10% global tariffs under a different legal authority. WSJ economic policy reporter Gavin Bade breaks down what happened and the implications. Plus, U.S. intelligence agencies have concluded that between 15,000 to 20,000 people are now at large in Syria after an ISIS detention camp collapsed. And Florida Rep. María Elvira Salazar is one of few Republicans saying that Trump's hard-line deportation policies might cost the GOP the midterms. Journal political reporter Sabrina Rodriguez tells us what she discussed with Salazar in a recent interview. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices