Podcasts about Wealth

As we head into 2026, Ryan Michler breaks down 10 destructive money mindsets that quietly sabotage men's ability to build real wealth. Drawing from his experience as a former financial advisor, Ryan explains why income is not the same as wealth, how debt has been falsely normalized, and why outsourcing responsibility for your finances is a losing strategy. He challenges the belief that "more money will fix everything" and dismantles the idea that your situation is somehow different from everyone else's. This episode is a hard-hitting call to take ownership of your financial decisions, develop discipline, and shift your focus from chasing money to creating real value in the world. Key Topics Covered Why procrastination destroys wealth faster than bad investments The difference between earning money and building wealth How debt has been normalized - and why it's costing you freedom Why outsourcing your finances weakens your sovereignty The danger of entitlement-based spending ("I deserve this") Why more money magnifies problems instead of fixing them Investing vs. gambling - and why doing nothing is the riskiest move Why you must understand money instead of delegating it The myth of being "special" or financially different Why money isn't the problem - behavior and priorities are Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

• Sponsor read for MyEternalVitality.com with Dr. Powers • Gut health testing to identify individual histamine triggers • Relief that shrimp is not a histamine trigger • "Healthy" foods like spinach and kale causing inflammation • Improving digestion, regularity, and reducing stomach discomfort • Food reactions differing by individual body chemistry • Hormone testing becoming more important with age • Declining testosterone levels in men • Men getting hormone testing through Dr. Powers • Benefits of hormone replacement therapy • Improved libido, energy, and mental clarity • Symptoms of imbalance: fatigue, brain fog, hot flashes, low libido • Hormones discussed: estrogen, progesterone, testosterone, cortisol • Free Dr. Powers consultation for Tom & Dan listeners • Dr. Powers as a fan of the show and BDM member • New year framed as a time to address health • Show intro from the Just Call Moe Studio • Welcome to the Friday Free Show of A Mediocre Time • First show of 2026 and confusion adjusting to the year • Show running 17 years since 2009 • Jokes about reaching the 20th anniversary • Commitment to continuing the show regardless of profit • Guest Savannah appearing on the first show of 2026 • Being more cautious about what's said on air • Forgetting how large the audience actually is • Anxiety about saying something regrettable • Joke about an old onion-skin fart story • Comparing influencer audiences to radio audiences • Discussion of online backlash and hate comments • Wanting reactions but rarely receiving criticism • Shoutout to video editor Melissa • Opening Christmas gifts from Melissa on air • Melissa's self-deprecating note and affectionate appreciation • Big Johnson Key West shirt gift • Jokes about wearing tiny or "baby" shirts • "Where's Bumfardo?" shirt explained • Bumfardo described as a legendary Key West grifter • Reference to a podcast episode about Bumfardo • Clarifying Bumfardo as a criminal firefighter • Gratitude and appreciation for Melissa • Living in Key West after California • Living in an Airstream on sponsor property • Romantic idea vs reality of Airstream living • Millionaires hosting guests in RVs or guest houses • Restored and comfortable Airstream • Living with a pet monitor lizard • Joking about the start of a "lizard journey" • Lizard eating pulled pork and seafood • Joke comparing lizard diet to Jeff Foxworthy • Lizard free-roaming inside the Airstream • Lizard unusually clean and well-behaved • Lizard now living at Gatorland • Using a doggie door and daily routine • Monitor lizard about six feet long • Question about reptile cleanliness myths • Hygiene concerns when handling reptiles • Lizard attacked at night in Key West • Iguanas or raccoons suspected • Bringing the lizard indoors for safety • Emergency super glue used to close a wound • Super glue working on reptile scales • Owning many exotic pets over the years • Large python kept in a one-bedroom apartment • Python named Benji • Hybrid reticulated/Burmese python • Python reaching 13–14 feet long • Bathing a python in a bathtub • Snake suddenly becoming aggressive • Snake striking when door opened • Trapping the snake in the bathroom • Child reacting to apex predators in the apartment • Sending the kid outside for safety • Question of whether pythons can seriously injure people • Preventing snake escape through a window • Subduing the snake with a quilt • Wrestling and restraining the python • Snake aggression being a one-time incident • Snakes being unpredictable • Gateway exotic pets like Pac-Man frogs • Still owning a frog • Childhood fascination with reptiles • Catching and keeping reptiles in South Carolina • Childhood "zoo" with animals in drawers • Joke about kids now having digital pets instead of real ones • Feeding large pythons big rats • Debate over live vs pre-killed feeding • Some snakes needing movement to eat • Parenting rule against exotic pets for kids • Requiring responsibility before allowing pets • Travel complications of pet ownership • Personal hamster care experience • Dad raising guinea pigs • Guinea pigs named after dictators and NASCAR drivers • Greg Biffle and Waltrip jokes • Comedy bit about guinea pig personalities • Story about Jim Colbert's Daryl Waltrip impression • Late-night drunk texts from Jim Colbert • Joke about inappropriate texts and photos • Clarifying a misspoken offensive term • Transition to Savannah's Jamaica trip • Comparison to a past Australia trip • Savannah described as highly traveled • Gatorland Global raising nearly $10,000 for hurricane relief • Shipping aid supplies to Jamaica • Bottlenecks at Jamaican ports • Long-term recovery continuing after news cycle moves on • Using funds in practical ways • Helping communities near Hope Zoo in Kingston • Providing water storage and bathroom supplies • Kids previously walking long distances for water • Purchasing a water truck • "Practical conservation" approach • Helping people so animals can be cared for • Zoo animals surviving the hurricane • Oxygen mask analogy • Dark humor about survival priorities • One-week stay in Jamaica • Challenges traveling post-hurricane • Relying on local relationships • Praise for Jamaican kindness • Airbnb hosts offering help and discounts • Importance of global relationships • Transition to friendship with Jackie Siegel • Clarifying which Jackie is being discussed • Jokes about famous Jackies • How Savannah met Jackie Siegel • Savannah's ease connecting with people • Standing out due to appearance and style • Personal recognizability as a brand • Jokes about recognizability • Fascination with ultra-wealthy lifestyles • Meeting Jackie through Real Radio • Seeing Jackie at Runway to Hope • Runway to Hope supporting kids with cancer • Walking the runway with sponsored children • Jackie filming at Gatorland • Friendship forming through time together • Difficulty wealthy people have making friends • Trust and motive issues around rich people • Jackie portrayed as kind and trusting • Idea of rich people seen as "lottery tickets" • Influence of who you spend time with • Being around Jackie compared to a soap opera • Observing Jackie's priorities and behavior • Jackie's Broadway show ending • Show based on Jackie's life • Proving critics wrong theme • Love story with David Siegel • Interest in Broadway and musicals • Wanting to take Maisie to NYC shows • Connecting Maisie's dance to Broadway interest • Kristen Chenoweth playing Jackie • Primer on Kristen Chenoweth • Wicked, Glinda, and Ariana Grande comparison • Stephen Schwartz writing the show • Jackie focused on crew losing jobs • Wanting to help displaced cast and crew • Listing backstage jobs affected • Empathy for workers over producers • Learning about Jackie's past domestic violence • Public perception not matching her full story • Misconceptions about billionaires • Assumption wealthy people should give endlessly • Overlooking effort behind wealth • Jackie having many children • Incorrect belief she married into money • Comparison to Melinda Gates • Emphasis on partnerships building wealth • David Siegel's death last year • Attending his celebration of life • Repeated cycles of success and bankruptcy • Successful people often failing many times • How David built his fortune • Origin of Westgate • David's early acting dreams • Buying land near Disney World • Purchasing a rundown hotel • Discovering the timeshare concept • Starting his own timeshare business • Joke about stealing ideas • Shoutout to women who support the show • Transition to music segment • Punk band Paradox featured • Song "I'm the Outside" • Call-in number and email plug • Sponsor read for BudDocs • Medical marijuana card process explained • Same-day appointments and telemedicine follow-ups • Dispensary deals and education • Cannabis for pain after hip replacement • Using marijuana to reduce alcohol • Return from break with Savannah • Plug for visiting Gatorland • New attractions constantly added • Arrival of Siamese crocodiles • Crocodiles kept separately • Transport from Korea to Gatorland • Animal relocation to avoid euthanasia • Cultural differences in cleanliness and order • "Tokyo depression" concept • Driving and horn etiquette differences • Safari travel mention • South Africa affordability note • Wealth spectrum discussion • Story about driving a Maserati to Walmart • Navigating wealthy social spaces authentically • Jackie's daughter Victoria's overdose • Victoria's Voice organization • Addiction treatment and Narcan advocacy • Turning tragedy into public good • Playing the clown at rich dinners • Observing human behavior like animal behavior • Studying power, money, and authority • Press box story with Phil Rawlins • Meeting Cedric the Entertainer and George Lopez • Importance of introductions and social proof • Savannah blending into elite spaces • Declaring 2026 a takeover year • Goal to make Gatorland the top park globally • Growth plans for conservation, YouTube, and TV • Using affirmations despite mocking them • Reading motivational books • Social media burnout and algorithm frustration • Thumbnails mattering more than content • AI-generated animal videos misleading audiences • Desire for human-made content spaces • Posting more freely without chasing algorithms • Encouraging visits to Gatorland • Promoting BDM Appreciation Week • Wrapping the show with gratitude ### Social [https://tomanddan.com](https://tomanddan.com) [https://twitter.com/tomanddanlive](https://twitter.com/tomanddanlive) [https://facebook.com/amediocretime](https://facebook.com/amediocretime) [https://instagram.com/tomanddanlive](https://instagram.com/tomanddanlive) Listen AMT Apple: [https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682](https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682) AMT Google: [https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw) AMT TuneIn: [https://tunein.com/podcasts/Comedy/A-Mediocre-Time-p364156/](https://tunein.com/podcasts/Comedy/A-Mediocre-Time-p364156/) ACT (Real Radio 104.1) Apple: [https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990](https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990) Google: [https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s](https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s) TuneIn: [https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/](https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/) Exclusive: [https://tomanddan.com/registration](https://tomanddan.com/registration) Merch: 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The AI war ain't what you think it is family.

90,000 wholesalers entered the market and only 12,000 will survive.In this live training, Brent Daniels sits down with RJ Bates III to break down what's really happening in the wholesaling industry and what it will take to win in 2026 and beyond. They dive into why most wholesalers fail, the danger of chasing vanity metrics, and how staying disciplined, profitable, and “boring” can be the key to long-term wealth.From seller motivation and closing philosophy to marketing mistakes, scaling traps, and why manufacturing deals can destroy your business, this episode delivers hard truths every wholesaler needs to hear.If you want to stay in the game while others wash out follow the TTP Training Program for more.---------Show notes:(1:55) Beginning of today's episode(3:47) Why most wholesalers fail after early success(6:08) Wealth-building vs. chasing vanity metrics(7:41) The danger of scaling before your business is self-sustaining(8:41) Why “boring” marketing wins in 2026(13:10) Doubling down on what already works(14:25) Coachability as the key separator in wholesaling(18:55) Aggressive rehab, conservative ARV, and buffer strategies(20:22) Asking the right questions to uncover seller motivation(21:33) Why not every lead should get a creative finance offer(22:57) The danger of manufacturing deals(25:03) Confidence, honesty, and closing the right deals(27:55) Legal risks of wholesaling sub-to deals(29:20) Transparency, disclosure, and protecting your business(1:03:45) 70% of your income comes from the last 6 months(1:41:57) Getting leads just by swiping your credit card----------Resources:Connect with RJ on InstagramDealMachinePropStreamBatch LeadsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Prophecy Update: Gog-Magog, Eurocentric NWO, BabylonAre we living in the last days? Pastor Andy Woods brings stunning evidence that biblical prophecy is unfolding before our eyes RIGHT NOW.Iran declares "total war" against Israel—exactly as Ezekiel 38-39 predicted 2,600 years ago. Despite global BDS boycotts, Israel just secured $34.7 billion in deals and ranks as the world's 3rd best economy. Why? Because God said invaders would come for Israel's WEALTH. Europe is moving toward digital currency and censorship—setting the stage for the Antichrist's one-world system. And Babylon? Iraq's Al-Fah Port is transforming it into the maritime powerhouse Revelation 18 describes.The stage is set. The prophecies are jumping off the page. The question isn't IF these things will happen—it's are YOU ready? Do you know Jesus personally? His promise: "Looking for the blessed hope and the appearing of our great God and Savior Christ Jesus" (Titus 2:13).The blessed hope is closer than ever.#EndTimesProphecy #BibleProphecy #Israel2026 #GogMagog #BlessedHope

Our monthly Seed Chat at SeedChat.orgIn This Podcast: Greg Peterson and Bill McDorman explore the idea of the seed commons—seeds as shared cultural, ecological, and community wealth rather than private commodities. They discuss how market-driven seed systems have eroded biodiversity and why community-based models are essential for resilience in the face of climate, economic, and social uncertainty. Through stories, examples, and lived experience, they show how seed co-ops, exchanges, libraries, and grassroots experimentation restore abundance, adaptability, and human connection. The conversation frames seed saving as both a practical survival skill and a deeply human act of stewardship.Key Topics & EntitiesSeed commonsShared wealthBiodiversity lossClimate change adaptationSeed co-opsAppalachian SeedsSnake River Seed CooperativeSeed exchangesSeed librariesSeed Library NetworkSeeds in CommonOpen-pollinated seedsIndigenous and community seed stewardshipWhat does it mean to treat seeds as part of the commons?Seeds are framed as shared wealth—like air or water—meant to circulate freely so they can keep adapting, carrying cultural memory, and supporting future generations rather than being locked behind patents or profit motives.Why is the current market-based seed system failing biodiversity?Large-scale commercial systems prioritize uniformity and profit, leading to the extinction of many traditional varieties and reducing the genetic diversity needed to adapt to climate and ecological change.How do seed co-ops work in practice?Regional growers collaborate to grow, clean, package, and distribute seeds together, sharing labor and profits while keeping ownership local and ensuring regionally adapted varieties remain available.What role do seed exchanges and seed libraries play in communities?They provide accessible, low-cost ways for people to share seeds, stories, and growing knowledge, strengthening trust, local resilience, and intergenerational learning.What is unique about the Seeds in Common model?Instead of preserving varieties separately, Seeds in Common mixes many varieties together and distributes them widely, prioritizing real-world adaptation and survival over strict categorization or commercial naming.Can individuals really name and steward new plant varieties?Yes—historically, many important crops came from backyard growers. Naming and caring for a variety is an act of responsibility, not ownership, rooted in long-term stewardship rather than profit.Episode HighlightsSeeds as shared wealth are essential for resilience, adaptability, and cultural continuity.Seed co-ops like Appalachian Seeds and Snake River Seed Cooperative keep control local and varieties alive.Seed exchanges offer efficient, story-rich ways to share seeds and knowledge within communities.Seed libraries have rapidly grown worldwide, each shaped by local values and creativity.Mixing and growing diverse seeds reveals what truly works under local, low-input conditions.Naming and saving seeds is a deeply human tradition that predates modern agriculture.Abundance thinking emerges naturally when people engage directly with growing and saving seed.Calls to Action & ResourcesJoin live Seed Chats — https://seedchat.orgExplore regional seed co-ops —

Ready to disrupt your business and scale your influence through social media? Get started with Brendan's newest books (as a gift) at https://hookpoint.com/disruptors Rob is joined by Brendan Kane to explore the complexities of social media algorithms, personal branding, and the impact of AI on content creation. They discuss the manipulation of algorithms by governments and platforms, the psychological tactics used to keep users engaged, and the challenges creators face in navigating these systems.  Brendan lays out a stark warning about the importance of storytelling, the potential for personal brands to thrive amidst negativity, and the ethical implications of AI-generated content BEST MOMENTS "The algorithm is a mirror of you."  "They are manipulating us to keep us on the platforms longer."  "The reality is these platforms are built and designed to make money." Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

Rich and Doug discuss am epic masculine trait that gets ignored in today's blame shifting environment. Enjoy and share.     Chapters 00:00 Introduction and New Year Reflections 02:55 The Purpose Behind Pain 05:57 Investing in Health and Well-being 08:53 Raising Strong Sons 11:56 Life Lessons and Responsibility 15:05 The Importance of Accountability 21:19 The Power of Responsibility 22:41 Entitlement and Consequences 25:55 Wealth and Responsibility 27:49 Freedom vs. Responsibility 29:56 Taking Responsibility in Adversity 32:17 The Mindset of Responsibility 34:13 Confession and Accountability 36:37 Blame Shifting and Personal Growth 39:20 Raising Responsible Children 42:08 The Call for Repentance and Renewal   What do you think about the episode?  Comment below or email us: http://waw.fm/hello

Are gold and silver simply relics of the past, or critical tools for navigating what may be the next major shift in the global monetary system?In this episode of The Agent of Wealth, host Marc Bautis is joined by David Morgan, a precious metals analyst and monetary system critic with more than four decades of experience. David is the co-author of The Silver Manifesto, publisher of The Morgan Report, and creator of the documentary Silver Sunrise. Together, they cut through the hype to explore what precious metals really represent, why they're surging, and how they may fit into a modern financial plan.In this episode, you will learn:Why today's market environment may represent a historic confidence shift, not just another economic cycle — and what that means for currencies, assets, and investors.How gold and silver act as financial barometers, signaling stress in the monetary system before it shows up elsewhere.What's driving the surge in silver and gold demand, from industrial shortages and institutional buying to central banks quietly preparing a “Plan B.”How individual investors can think about precious metals practically, including physical ownership, ETFs, and why a modest allocation can serve as portfolio insurance.And more!Tune in for a wide-ranging conversation on money, markets, mining, and the psychological forces behind inflation — plus a grounded perspective on how precious metals can provide balance, liquidity, and peace of mind during uncertain times.Resources:Episode Transcript & Blog | themorganreport.com | silversunrise.tv | The Silver Manifesto | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

We are officially in 2026, and this is one of the most important episodes I've ever recorded.I'm recapping what actually happened in the markets in 2025 and sharing how I'm thinking about investing in 2026 - especially as AI continues to transform everything.Tune in to learn:What actually happened in the markets in 2025, including key stats and winnersWhy 2026 is going to be a huge year for investorsThe impact of AI and why it's going to be transformationalHow to win as a woman investor in the next few yearsHow to approach investing in 2026 without fear or guesswork

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Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave talks about various right wing influencers' takes on the war with Venezuela, how it relates to previous wars of choice in American history, and more.Support Our Sponsors:Hexclad - Find your forever cookware @hexclad and get10% off at https://hexclad.com/PROBLEM! #hexcladpartnerSheath - https://sheathunderwear.com use promo code PROBLEM20Vandy Crisps - https://vandycrisps.com/dave Use code "DAVE" for 25% offYoKratom - https://yokratom.com/Part Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarianSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Happy New Year!!!!! Everybody wants the Main course, but they skip the Appetizer.See, GOD doesn't serve abundance to Undisciplined Appetites.The Struggle? That's the appetizer.The Late nights? Appetizer.The Losses, the Lessons, the times you had to sit still while everybody else ate? Appetizer.Most people quit because they think the appetizer is the meal.Nah. It's just preparing your palate.GOD uses pressure to sharpen your hunger.He uses delay to check your obedience.He uses isolation to see if you really believe when there's no applause.Join our Exclusive Patreon!!! Creating Financial Empowerment for those who've never had it.

Beautiful soul, this episode is a sacred reminder of who you truly are in the eyes of God, Universe, and Source. In this deeply channeled birthday episode, Julie shares a powerful angel message received in meditation about divine worth, unconditional love, and what wealth meant before money ever existed. This episode flows like a poem, inviting you to experience yourself as God experiences you: cherished, known, protected, and endlessly loved. Together with the angels, Julie reframes wealth as inward overflow, joy as divine currency, and confidence as remembering who you have always been. This episode is especially supportive if you've been questioning your worth, feeling unseen, struggling with confidence, or longing to feel closer to God and your angels. Let these words wash over you as if God is speaking directly to your heart. Episode Chapters (0:00) Welcome to the Pray and Be Wealthy series (1:17) Wealth before money: overflowing with God's joy (2:30) A birthday message received from the angels (3:36) Seeing yourself through God's eyes (5:59) You are a treasure God is actively seeking to bless (6:45) Co-creating heaven on earth (8:20) You are guided, protected, and never alone (9:45) Divine timing, purpose, and being exactly where you belong (10:24) Becoming a magnet for miracles and abundance (11:45) You are God's imagination made visible (12:48) Closing blessings, gratitude, and next steps Key Notes from the Episode Wealth is an inner state of joy, not a number • Your worth is your starting point, not something you earn • You are a divine original, never to be repeated • God does not exist without you; you matter deeply • Your presence shifts every room you enter • You are supported by angels in every season • Your desires are divine information, not distractions • You are safe to grow at your own pace • You are co-creating this world through love • Your life is a living prayer and a divine story unfolding Work with Julie & Your Angels If you've been feeling the nudge “I want to hear my angels clearly and live in alignment with divine abundance,” here's how to go deeper:

Rich sits down with Thach Nguyen –  Entrepreneur, Founder of Thach Real Estate Group, Real Estate Broker, Investor, Developer. Thach is the CEO & Founder of Thach Real Estate Group, and principal of Springboard to Wealth. He's a proud ambassador of the American Dream. During his 30 years in the real estate industry, he has built more than 300+ homes , townhouses, and multifamily units and completed over 100+ flips. Thach and his team have assisted more than 2,500+ families to create their own American Dream of home ownership, ranking him in the Top 1% of all real estate professionals nationwide.Rich and Thach start off by discussing  Thach's experience in Newport Beach, Thach's love for Seattle, Thach's three person team, Thach's childhood, how Thach went from a valet to a realtor, off market deals and rejections, Thach's drive and his first deal, passive income, the pathway to $1 billion, and why people don't get into real estate.They then reflect on deals on the west coast, Rich's first property, being bullish on San Diego and Seattle, investing in the midwest, the first deal and excuses not to invest, the best asset class in real estate right now, and the ADU game.Lastly, they talk about townhomes in Seattle, Rich's boutique hotel in San Diego, how to get started in real estate in 2024, licensing in San Diego, the new 1033 law in California, affordable housing in the US, renting vs living, cashflow and compounding appreciation, teaching kids the value of money, social media and content creation, short and long form content, when to start making content, the public school system, Thach's cars, when to jump into real estate, and owning 5 rental properties.Connect with Thach on Instagram: @thachnguyenSomers Capital Invest AD (Jan 2026) Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Building wealth and time freedom isn't just about working harder or finding the next opportunity; it's about surrounding yourself with the right people and designing systems that create leverage over time. And today's guest has mastered both sides of that equation.Thanh Pham is the founder of Asian Efficiency and host of The Productivity Show, where he has spent more than a decade helping entrepreneurs and executives work smarter, not longer. From hosting 50 magnificently curated Jeffersonian-style dinners to building thriving communities and events in Austin, Thanh has mastered the art of creating relationship capital. Thanh shares how curating meaningful relationships not only accelerated his personal growth but also his business opportunities and his lifestyle freedom. He explains why hosting experiences is one of the fastest ways to build trust and credibility and how positioning yourself as a connector opens doors that money can't.You definitely won't want to miss the end of our conversation, where Thanh explains how he's now leveraging AI and automation, using AI agents to handle entire workflows and reclaim dozens of hours of his time each week. Rather than replacing human connection, Thanh shows how technology can amplify it and free up your time for what matters most.In this episode, you'll learn: ✅ How hosting intentionally curated events positions you as a connector and builds trust, develops opportunities and accelerates long-term wealth.✅ How Thanh curates relationship capital to grow his business without sacrificing freedom or burning out.✅ The AI agents Thanh uses to automate various aspects of his business and the system that saved him 83 hours in a single week.Show Notes: LifestyleInvestor.com/272Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Think AI will free you from ‘mundane bookkeeping' so you can do advisory? Blake and David say it's the opposite. Hear how owners already use AI as a de facto CFO, why drafting narratives—not matching bank feeds—is the real win, what the ‘AI premium' means in a billable-hour world, and the two numbers firm owners should track in 2026: monthly recurring revenue and bottom-line profit.SponsorsUNC - http://accountingpodcast.promo/uncOnPay - http://accountingpodcast.promo/onpayTaxBandits - http://accountingpodcast.promo/taxbanditsChapters(01:35) - News Highlights and Sponsor Acknowledgements (03:56) - AI in Small Business Accounting (07:04) - AI's Impact on Accounting Tasks (10:01) - Thought Leader Survey on AI in Accounting (19:56) - AI Premium and Job Automation (25:27) - Survey Answers from Accounting Thought Leaders (25:54) - AI's Role in Strategy and Decision Making (28:24) - Impact of AI on Competitive Landscape (30:50) - AI's Effect on Costs in Accounting Firms (31:54) - AI Replacing Staff Accountants (33:24) - Personal Job Security and AI (41:05) - AI Influencers and Future Experiments (49:24) - Conclusion and CPE Information  Show NotesThese Small-Business Owners Are Putting AI to Good Use https://www.wsj.com/tech/ai/small-business-ai-chatgpt-prompts-0c9a95c4 AI Thought Leaders Survey 2026: Process Predictions https://www.accountingtoday.com/list/ai-thought-leaders-survey-2026-process-predictions Tech Spending Outpacing People Spending as Firms Adopt AI https://www.accountingtoday.com/list/tech-spending-outpacing-people-spending-as-firms-adopt-ai How Much is the 'AI Premium?' https://www.accountingtoday.com/list/how-much-is-the-ai-premium AI Can't Replace Accountants. When Could It? https://www.accountingtoday.com/list/ai-cant-replace-accountants-when-could-it Accounting in 2026: The Year Ahead in Numbers https://www.accountingtoday.com/list/accounting-in-2026-the-year-ahead-in-numbers AI Vending Machine Lost $1,000 to Social Engineering https://www.wsj.com/tech/ai/anthropic-ai-claude-vending-machine-c7baef6f Anthropic's Project Vend Phase 2 https://www.anthropic.com/research/project-vend-2 Trump Commutes Sentence of Private Equity CEO Convicted of Fraud https://www.cnn.com/2025/12/01/politics/david-gentile-trump-pardon Trump Commutes 7-Year Prison Sentence of Former Private Equity CEO David Gentile https://www.nbcnews.com/politics/white-house/trump-commutes-7-year-prison-sentence-former-private-equity-ceo-david-rcna246744 California's Controversial Wealth Tax Proposal Leaves Billionaires With Little Way Out https://www.cnbc.com/2026/01/08/california-wealth-tax-proposal-leaves-billionaires-with-little-way-out.html California Could Impose a Billionaire Tax. Here's How It Would Work https://www.cbsnews.com/news/california-billionaire-tax-ballot-initiative-how-it-works/ New Tax on the Wealth of Billionaires https://lao.ca.gov/BallotAnalysis/Initiative/2025-024Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future.As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live.Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting.Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now.At the center of Greg's philosophy is a simple belief: good planning isn't about money—it's about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention.Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he's not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human.Learn more: https://www.advocatewealthsolutions.com/The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation.Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results.Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-greg-dupont-founder-of-advocate-wealth-solutions-discussing-coordinating-financial-tax-and-estate-decisions

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

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "The Fire" Bernstein talk about new developments on the conflict with the US and Venezuela, JD Vance's tweet responding to people's skepticism about Venezuelan drugs in the US, Pam Bondi's statements on the matter on Fox News, and more.Support Our Sponsors:The Wellness Company - Spike Detox your body! Click http://www.twc.health/problem and use code PROBLEM for 10% Off + Free Shipping for USA residentsBrunt Workwear - http://bruntworkwear.com/ Use code PROBLEMRidge - https://ridge.com/potp10IndaCloud - If you're 21 or older, get 40% OFF your first order + free shipping @IndaCloud with code [PROBLEM] at https://inda.shop/PROBLEM! #indacloudpodPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarianSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On episode 446 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss 2026 predictions, the risk of a bear market, why valuations should be higher, why international stocks outperformed, recession risk in 2026, AI hallucinations, self-driving cars, Disney stock, where to find cheaper housing, an appreciation for Keanu Reeves and more. This episode is sponsored by YCharts. Subscribe to YCharts' Advisor Pulse, LinkedIn newsletter here: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7163920704407552000 And start your free YCharts trial through Animal Spirits (new customers only) at https://go.ycharts.com/animal-spirits Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

986. This week, Laura reviews steps for achieving realistic New Year's goals that can boost your confidence and financial security.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#260: Chris distills the most powerful lessons from over 50 episodes in 2025 into 10 actionable takeaways that changed how he thinks about money, time, health, relationships, purpose, and more. Link to Full Show Notes: https://chrishutchins.com/top-takeaways-2025-optimize-money-travel-life Partner Deals Gusto: Free 3-month trial of the #1 payroll software Notion: Try Notion Agent free to automate tedious tasks and streamline your work Superhuman: Free month of the fastest and best email with code ALLTHEHACKS DeleteMe: 20% off removing your personal info from the web Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Die With Zero: Getting All You Can from Your Money and Your Life ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Ep #217: Top AI Tools, Insurance Planning for Fires and More Listener Q&A with Kevin Rose Ep #230: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life with Nick Maggiulli Ep #233: Money: What Each Generation Gets Right (& Wrong) with Ben Carlson Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian Johnsrud Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Ep #249: Earn More Points in Multiplayer Mode with Kai Ep #251: How to Focus on What Matters and Let Go of the Rest with Ryan Holiday Ep #252: Family Travel on Points: Tips, Tricks and Tactics with Nick Reyes Ep #254: The Cost of Always Optimizing with Chris and Amy Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray Ep #259: Choosing the Problems Worth Struggling For with Mark Manson Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:24) #1: True Wealth Is Multidimensional (03:13) #2: Focus on What Moves the Needle (10:24) #3: Build a Portfolio That Can Weather Any Storm (13:40) #4: Scale Horizontally, Not Vertically (17:04) #5: Stop Waiting for the Perfect Time (22:38) #6: Scale Yourself With Technology (25:36) #7: You Need to Be the CEO of Your Own Health (29:54) #8: Prioritize Friendship Like You Prioritize Your Health (33:25) #9: Your Purpose Is Already Here, You're Just Too Close to See It (36:13) #10: The Ultimate Optimization Is Knowing When to Stop (38:44) Bonus: Optimize for What Matters Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is your relationship feeling more like a business transaction than a partnership? Kris Krohn and his wife, Colleen, get vulnerable about the "dark places" in their 17-year marriage and reveal the exact 4-step "Unconditional Love Game" they used to move from rocky ground to Cloud Nine. Learn how practicing spousal advocacy and shifting your mindset can transform your home life, proving that real wealth isn't just about real estate and money—it's about the strength of your core relationships.

First off — Happy New Year. To kick off the year, this week's episode of the Wealth Formula Podcast is a solo one from me. I spend the episode walking through my outlook for 2026 and sharing a few predictions for how I think this cycle is going to play out. Lately, I keep hearing the same question phrased in different ways. The economy feels tight, but markets are holding up. Growth is coming in stronger than expected, inflation is easing, and yet a lot of the signals people usually rely on just don't seem to be lining up. That disconnect is really the starting point for this episode. Rather than reacting to headlines or making short-term calls, I wanted to step back and talk through the mechanics of what's actually driving this environment — and why it looks so different from the cycles most of us learned about. A lot of it comes down to debt, policy constraints, how capital moves today, and the growing influence of technology. When you start looking at those pieces together, some of the things that feel confusing begin to make a lot more sense. This isn't meant to be alarmist or overly optimistic. It's simply an attempt to frame the environment clearly so you can think about it more intelligently — especially if you're deploying capital or deciding whether it makes sense to sit on the sidelines. If you've felt like the economy and the markets aren't really speaking the same language right now, I think you'll find this episode useful. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You need to be out of the dollar and into the investor class because that that widening gap between those who have, who own things, who own assets and those who do not is gonna continue to widen. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast, and today I am going to do something a little bit different. I’m gonna kind of give you. My perspective, maybe predictions I dare say about, uh, the upcoming year in 2026, how I look at it, what I think, uh, uh, is likely outcome and why. Not that I am any smarter than any of you on this stuff, but I’ve actually kind of sat down and, and thought about, you know, the things that are going on in the macroeconomic. Side of things and, um, put some stuff together and, uh, hopefully you’ll enjoy it. We’ll have, uh, that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from. Your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your invest. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back everyone, and, uh, happy New Year to you. I forgot to even say that in the intro. How rude of me. Hopefully you had a great holiday, you had a great Christmas, and you’re bringing in the new year with a vision of health and wealth and PO prosperity and all that stuff. So anyway, let’s talk a little bit about, uh, you know what I am. Kinda looking at for 2026. Now, when you think about, well, what are these predictions and what could they be and all that, um, interest rates, inflation markets, you know, uh, let’s set the foundation for how I’m thinking about it, because everything else really kind of builds on it. And the most important thing to understand is that debt. Is really now I think the main character in the economy. I know we, people have been talking about this for a very long time, but I think, I think the debt issue is really, really becoming something that cannot be ignored, and I’ll get into that in a while. Obviously, I’m not saying that inflation and interest rates don’t matter. They matter enormously. Uh, those are the things that people actually feel, right? Higher prices, higher mortgage rates, higher insurance costs. What I’m saying is that the level of debt now determines really how decisions on those things are made from policy makers. You know, how do they respond to inflation and interest rates, recessions market stress. What debt does is it actually kinda limits the range of choices around how policy makers react to all these things. So once you see that, the behavior of the economy starts to, I think, make a lot more sense. So let’s start with. Sovereign debt, and I’m gonna start really basic here because the question is, you know, what exactly is sovereign debt? Okay. And sovereign debt is the money a government owes, okay? In the US it exists because the government consistently spends more than it collects in taxes, and that gap is called the deficit. When that happens year after year, you have an accumulation of debt. Now, when debt is low, it’s, it’s pretty manageable, right? But when debt gets very large, it starts to influence policy decisions, and that’s where we are right now. Uh, here’s the key mechanic that I think most people don’t really think about, right? Governments don’t pay off debt the way you and I, you know, pay off our debt, like mortgage or whatever. They always refinance it, right? So when the US government borrows money, it issues bonds. That’s how it does, those bonds have maturity dates, and when you buy a bond, you’re, you know, you’re loaning the government money. So when a bond matures, the government owes that principle back to you. Right? So that’s, that’s kind of how well we talk about, we talk about debt, but the government doesn’t save money over time to pay off that bond. Like, I mean, that’s the way you would think about it for you and me, right? I mean, at some point you’re like, ah, I really need to pay off this debt. I’m just gonna pay it off with this money that I saved. Instead, what they do is when a bond comes due, it issues a new bond and uses the money from that new bond to pay back the old one. Okay. Now, if that sounds familiar, uh, to you, it’s because it’s pretty much what we would call in plain English refinancing, right? Now imagine though, the government issued a bond a few years ago when interest rates were near zero. That bond matures today, interest rates are much higher, right to pay off the old bond. The government issues a new one at today’s higher rates. So the debt doesn’t disappear, it just becomes more expensive to carry, right? I mean, it’s just like you got a mortgage, you know you had a, a great rate, but you only got it for seven years and all of sudden you gotta refinance it. Gosh, all of a sudden that rate went really higher and your payments are much higher, and the debt payments going up, you know, for the government, what adds to that deficit? It’s a really, really vicious cycle. Now, take that process and multiply it across trillions of dollars of debt. Now you can start seeing why interest rates matter so much in a high debt system. Now, what makes this especially important right now is that for over the last several years, the US issued a very large amount of short-term debt. Short-term debt matures quickly, and that means large portions of government debt. Come due every year and have to be refinanced at whatever the interest rate exists at the time. So even if deficit stock growing tomorrow, which they won’t, the government would still need smooth functioning financial markets just to keep refinancing what it al what already exists now. This is why the economy has become so sensitive to interest rates, liquidity and confidence. Higher interest rates increase the cost of refinancing, right? We’ve mentioned that already. And that pushes deficits higher and forces even more borrowing. So I mentioned liquidity. What is that? Well, liquidity is about how easily money moves through the system. When liquidity is good, bonds are easily absorbed. Banks lend markets function normally, and when liquidity dries up, refinancing becomes fragile. That stress. Stress in the market spreads quickly. And then finally, confidence I mentioned too. Why does confidence matter? Well, confidence matters because investors need to believe that the system is gonna hold together. When confidence weakens, guess what happens? Well, what would happen if you think about it with a loan, a higher risk loan? While investors demand higher yields like refinance, it becomes even more expensive. And problems compound fast. Now, this is why Pol policymakers are extremely uncomfortable with high borrowing costs, reduced lending, falling asset values, and deep recessions. Recessions, by the way, don’t make debt easier to manage. They make it harder by reducing tax revenue and worsening debt ratios. Now that brings me to a, something that I am feeling sort of back and forth with. Um. You know, a listener who sent me some commentary about, you know, the fear of going back to 1970s, eighties style interest rates. But the thing is that I just don’t think that comparison works, and here’s why. Okay, so in the 1970s, the US had far less debt. Interest rates could go very high without threatening the government’s ability to refinance itself. Now today, with debt much larger relative to the economy, very high rates don’t just fight inflation. They stress the entire financial structure, right? You can’t just say, oh, we’re gonna make super high rates because the cost of all that debt the government has is gonna be extraordinarily expensive. Now, that doesn’t mean that rates can’t rise. It means policymakers have far less tolerance for how high and how long rates can stay elevated. It’s a completely different system from the 1970s and eighties. So I think trying to put things into that context is probably not, um, not a, a good way to think about it. So why am I fo focusing on this right now? Uh, instead of a few years ago, because again, we stu we didn’t suddenly become a high debt economy this year. So what changed? Well timing a massive amount of debt that was issued at very low interest rates, as I mentioned before, is now maturing and being refinanced at much higher rates, and that shift is no longer theoretical. It’s happening in real time. Last year, much of that low uh, rate, debt was still in place. Interest costs hadn’t fully reset, but going into 2026, they have no, I, I keep talking about, you know, how much we’re paying an interest, right? Because again, that’s a big difference between now and the 1970s when you could have, you know, you didn’t have as much debt so you could pay more interest on it. Right now, the US is now spending roughly a trillion dollars a year just on interest. Her perspective, right? I mean, what’s a trillion dollars? Uh, what does that even mean for the normal person? Well, for Perce perspective, that’s the defense budget. $1 trillion. It’s more than Medicare, more than most major federal programs. And the thing is that money doesn’t do anything, right. It doesn’t create growth. It just services past borrowing. And this is the point where debt stops being background noise, kind of an annoyance that people just say, well, we’ll kick it to the next generation. It start starts actively shaping, uh, policy decisions because it’s, it’s a thing that you gotta pay for. You gotta keep paying for it. So the takeaway I want you to carry forward is simple. We now live in a system where policymakers don’t have the luxury of letting things break when debt is low. Governments can tolerate deep recessions like you saw in the seventies and eighties and long recoveries. When debt is high, they can’t because even small shocks can just really get outta control quickly. And that’s the framework I think, uh, that I’m using as we move into interest rates, inflation, and what all this means for markets going into 2026. So let’s talk about interest rates. You’ve heard me say that I think that interest rates are gonna come down. Um, they’re gonna continue to tick down a little bit. I don’t think a lot, but I do think there’ll probably be at least one more rate cut. I think, you know, you’re probably gonna have some, um, uh, some lowering in the 10 year and, and the bond market in general. Uh, but interest rates are not gonna go back to 2010, right? They just aren’t. And. The 2010s were not normal. There were a very specific period created by very specific conditions, right? Inflation was persistently low, uh, but just wouldn’t go up. Globalization, uh, push prices down. Capital was abundant. Debt levels, well, they were high, but they’re rising, but they hadn’t become what they are now. And because of that, central banks could hold rates near zero without much consequence. That environment, unfortunately, does not exist now. So today, debt is much higher. Inflation risk is real again, and investors expect to be compensated for lending money long term. So even when rates decline from current levels, they do not return, uh, they will not return to where people, uh, anchor them psychologically. If they’re thinking about the 2000 tens, they’re gonna settle higher. Within the 2000 tens baseline, you see policymakers are kind of stuck if rates, uh, say too high for too long. We mentioned this before. Refinancing government debt becomes increasingly expensive. Interest costs rise, deficits, widen, and then you get that financial stress that’s spreads through the credit markets. But if rates are pushed too low for too long, borrowing accelerates. And that’s. When inflation resurfaces and confidence in the currency weakens, so then that’s the tug of war. So policymakers, uh, you know, they, they can no longer choose between high rates and low rates. They’re gonna be choosing how to manage, uh, the trade-offs, right? So what’s gonna happen is that you’re gonna see that rates are gonna move within a range. Uh, they come down when something breaks, they move back up when inflation pressures recurrent. Um, that’s why volatility matters more than the exact. Level of rates going forward, in my opinion. So we’re, we’re not returning to free money. We are also not headed to a permanent 1970 style high rate world. What we are doing is entering a time where borrowing costs matter. Again, refinancing is not guaranteed, and rate swings are part of the system, and that naturally leads to the question of inflation. So once you understand why rates. You know, don’t go back to the 2010. The next question becomes, uh, well, if policymakers can’t keep rates high for long and they can’t push them back to zero either, then what are they actually trying to ac accomplish? Well, the answer is that, that the goal is kind of shifted for decades. Economic policy was focused on disinflation, um, you know, pushing inflation lower and lower. Over time, uh, and inflation was actually treated as a failure, and that made sense. In a world with lower debt in a high debt world, that logic sort of breaks down, right? Deflation, which is actually falling prices, increases the real value of debt. Think about that for a moment. Like just in terms of. You know, you have a mortgage and you know, sometime, you know, your parents might have like a 30 year mortgage or something like that, that they’ve had for 25 years. They’ve been paying it off and it’s great. But the bigger thing to notice is the amount of money that they borrowed is actually very small in real world dollars because it’s, you know, 25 years later. See, inflation is bad when it’s, you know, you’re dealing with it, but inflation is. Good at one other thing, which is it’s good at eroding debt. It will make, uh, the amount of the value of the, you know, the actual money that you owe on debt lower over time. So that’s why you can’t have deflation, right? You can’t have deflation because that increases the real value of the debt. It discourages spending, slows growth and makes refinancing harder. So in today’s system, deflation is way, way more dangerous than moderate inflation. And so because of that inflation really isn’t something that I think is quite as important that has to be eliminated at all costs. That, you know, you have to be right at 2%, which is, you know, kind of what the, the fed his, his target is, right? Instead, what you gotta do is you gotta manage it. Of course, that doesn’t mean you want runaway inflation. What they wanna do is have enough inflation to keep nominal growth positive and prevent debt burdens from become heavier again. Why? What do I mean by that? You gotta have enough inflation to erode the debt that we have, right? So this is why that 2% inflation target should be understood. As, you know, kind of aspirational, but not absolute because having a little higher inflation, yeah, it hurts people. It’s, uh, it hurts people on a day-to-day basis, but actually helps with that. So even at, uh, you know, inflation sell a bit higher than, than, than the, you know, 2% fed target say it’s 4%, it’s actually eroding, uh, you know, it is eroding purchasing power, but it’s also eroding debt. It’s, it’s stabilizing debt dynamics. From the system’s perspective, of course that’s helpful. But for us, we’re paying for things on a day-to-day basis to see the cost of eggs and all that. It’s, it’s frustrating, right? And that tension between system stability and personal cost, it’s one of the defining features of the economy heading into 2026. So when you see policymakers tolerate inflation, uh, longer. Then you think they should or step in quickly When markets kind of wobble, it’s not confusion or incompetence, it’s actually constraint because debt limits the available choices. Rates are managed within a range. Inflation is guided and not eliminated. Now put those together and you get the environment we’re moving into, which is an economy where markets can look. Resilient, even while people feel stretched, right? I mean, that’s kinda what we’re feeling. Everybody’s like, oh, these markets are doing fantastic, you know? But then, you know, you look at consumer confidence, it goes down. It’s been going down every month. This is an environment where asset prices recover faster than wages, and we’re understanding how policy reacts becomes a real advantage. So that’s kind of my macro setup for 2026. Um, you know, with that framework, we can start looking into the first prediction I’ll make. And again, these are not, you know, crazy predictions. Uh, they are just generalized things that I think you’re gonna see. So, like the first one is that the markets will stop being reliable proxy for the economy. You could argue that’s already happened, right? Markets in the economy kind of stopped correlating. We saw it after the financial crisis, right? We saw it very clearly even during COVID. The decoupling itself is not new. What’s new is that that decoupling is no longer temporary. It’s become the baseline that’s become the new normal. Uh, for most of modern history people had a fairly reliable mental model, right? You probably do. If you grew up in the eighties and nineties, uh, as a kid or whatever, when the economy felt bad, layoffs, we growth falling in con incomes, markets usually reflected the pain. Right. Sometimes there was a gap. Sometimes markets recovered a little earlier, but eventually things kinda re converged. The economy healed. We just caught up in the markets and lived experience kinda lined up. Now that’s the model that most people still have in their heads, and that’s why so many people feel so confused right now. I mean, I feel confused by it. So what’s changed going into 2026? You know, it, it is, it’s structural Now. We’re no longer living in a system where policy intervenes only during emergencies. We are, uh, in a system where policy is always on, debt is permanently high, rates are actively managed, inflation is tolerated rather than eliminated. And as a result of that, markets aren’t really necessarily responding primarily to how. The economy feels to people they’re responding. Uh, you know, it’s responding to refinancing needs. Liquidity management. Uh, confidence preservation. That’s a very different signal. COVID is the clearest example of that ship, but it’s, it’s important to understand it correctly. So in 2020, the economy was literally shut down, right? Unemployment exploded. Uh, small businesses were collapsing, right? Like, this is COVID and yet markets bottom quickly. We saw that and then bam. All time highs, even though life kind of felt terrible for a lot of people. And that wasn’t because the economy was healthy, it was because policy overwhelmed fundamentals. And at the time that felt extraordinary. It felt very different. Like this doesn’t make any sense. What’s different now is that we’re still using the same playbook but with out in obvious crisis. So intervention is no longer reactive. It’s, you know, uh, it’s preventative. So what do I predict for 2026? Well, markets are gonna stop being a reliable proxy for economic health. Uh, you, you people can just stop talking about that. Like it, like it, it means anything anymore. Markets going to increasingly reflect how constrained policymakers are and how much liquidity is in the system, and how aggressively risk is being managed. They’re not gonna, the markets are not gonna tell you. About affordability, wage pressure, or whether life feels easier or harder for people. Right. Those are completely gonna, those are, it’s just a standard thing now that those are uncorrelated and the gap is not, uh, abnormal anymore. It’s. The operating environment. So what do you do with that information? Well, for an individual investor, this environment requires a real mindset shift, right? You can’t rely on your gut anymore. You can’t say, man, I feel like this economy doesn’t feel good. So the market’s gonna look at the, I mean, you, you, you know, a lot of people feel like the economy doesn’t feel good to them because of inflation, because of what happened with interest rates and all that stuff, right? But look it, you’ve got. Record breaking, uh, stock market numbers. You can’t rely on your gut anymore. Your gut is telling you the economy feels bad. For many people, that’s absolutely true. Costs are high. Again, things feel tight, and the instinct is to wait to sit in cash. To assume markets would reflect that pain, but that instinct used to work. And in this system it doesn’t because markets are no longer pricing in how the economy feels. They’re pricing policy response. Liquidity and constraints. So if you wait for the economy to feel good before you act, it’s gonna be way too late. So instead of asking, does the economy feel weak, you need to start asking different questions. You need to ask how constrained policymakers are, how quickly liquidity will return if markets wob on it, and where capital tends to flow first when policy steps sit. In other words. You gotta start really thinking about investing, right? Like you gotta, like right now. Now I’ve talked, I’ve beat this over many times before, but you know, you have, if you’re, if you’re saving money right now and you’re looking and you are wondering what to do, look for things that are on sale now. I spent real estate’s on sale right now. Right? Get your money into the markets one way or another. That’s what I would say. Whatever it is that you want to invest in. Don’t let your money just erode because this lack of correlation is, it’s a really, really important thing and it’s, it’s gonna continue to happen and you know what else is gonna happen Because of that, you’re gonna see an increasing widening up the wealth gap. People whose income is tied primarily to wages are, are gonna experience that inflation directly, right? Their money’s trapped in the real economy where costs rise faster than income. But investors on the other hand, have an opportunity to participate in the markets that are supported by this sort of unnatural infrastructure that I just mentioned, right? As asset prices are gonna continue going up. Now, I’m not here to judge whether that’s a good thing or a bad thing, I’m just telling you how it’s functions. So the investor class increasingly benefits from asset appreciation, right? Early access to liquidity. While lower income groups often can participate in that upside. Even as their cost of living rise, because they’re not in the markets, they’re not, they don’t own assets. So again, you have to stop, you know, using how the economy feels is your primary investing signal. If you wanna protect and grow your wealth in this environment, you need to understand how policy reacts, how you know liquidity moves, how assets behave when the system is under constraint. And in other words, uh, you know. Frankly, you just need to be part of the winning class, which is the investor class. Alright, so that’s kind of, uh, hopefully that made sense to you. Here’s another prediction for you, and this is probably more related to some of the things that we talk about usually, but I’ll say that multifamily and commercial real estate are going to finish their washout, and the window is gonna start to really close again. I’ve talked about this. Before, you’ve probably heard me say this, but let’s talk about multifamily and commercial real estate again, because you know, this audience doesn’t need just theory. You’ve already lived through the pain or the past two years you’ve seen deals blow up, capital calls go out, refinancings fail. So the real question going on in 2026 is not whether real estate breaks. It’s already, it already did. It already did. The real question is how much longer this phase lasts and what replaces it. My view is that 2025 into early 2026, um, represents the final phase of this unwind in the beginning of stabilization. I’m not predicting an immediate boom, not a return to 2021 by any means, but the end of obvious distress. So what’s happened already from 2022 to 2024? Multifamily and commercial real estate absorbed the fastest rate shock in modern history. Many of you lived through that. I lived through that. It’s painful. Debt costs doubled or tripled. Cap rates moved hundreds of basis points. You know, bridge debt structures broke, uh, refinancing assumptions collapsed. Now, a lot of the deals, I mean, I would say most of the deals, uh, uh, that, you know, kind of imploded, uh, shared the same DNA, you know, peaking price, uh, purchases, uh, during peak prices in 2021, early 2022. Uh, you know. Floating rate thin or negative cash flow based on, you know, the rates at the time. Maybe it was positive business plans that were really dependent on refi and rent growth. Um, those deals though, have largely already defaulted, recapitalize, or, you know, they’re being quietly handed back. And that matters because markets don’t keep breaking the same wave forever. If, if you’re seeing right now and if you’re in our investor club, you are. 30% discounts on a regular basis. Right? On a regular basis compared to the peak. Don’t assume that’s gonna last. That this is the key point I wanna make very clearly. If you’re looking at multifamily or commercial deals today that are trade trading at that 30% below where they were a couple years ago, you should not assume that window stays opening. Definitely because the level of discount there, uh, the level of discount exists because. Dried up liquidity, uh, because of that violent rate reset, uh, uncertainty. But here’s the thing, markets don’t stay frozen forever and as soon as pricing stabilizes, even at higher cap rates, which are going to be higher than they were, because you’re not gonna see interest rates down at zero, capital is gonna start to move again. And stabilization doesn’t require rates to go back to zero. It just requires some level of predictability. So here’s the sequence of what happens first, you know, the distress slows, uh, you see less and less defaults, and then slowly but surely cap rates stop expanding, right? That alone brings back buyers. Then as rates drift mo lower and volatility declines, lenders reenter selectively, debt becomes a billable again. It’s not cheap. It’s definitely usable and that brings more liquidity. When I say liquidity, in this context, I’m talking about just more deals getting done. And once liquidity returns, cap rates don’t stay wide forever. They compress, right? It’s competition. And again, when they compress, they’re not gonna go back to 2021 levels, but enough to meaningfully lift asset values from distressed pricing. This can happen faster than people expect, right? People underestimate the fact that there is an enormous amount of capital sitting on the sidelines right now in money market funds, short term treasuries, private capital, waiting for clarity. That capital isn’t, you know, permanent. The moment investors believe that rates of peak, that prices of stabilized downside risks is contained, that money starts to chase yield. When it does the transition from, nobody wants this, everyone wants exposure again, can happen surprisingly fast. In other words, I’m not saying I think this will happen in 26, but the shift from a market that is on sale, which I’ve described it as to a market that is starting to look a little frothy, can really be just a couple of years. And in that situation, I’d rather be a net seller, right? You wanna be accumulating. During this phase of for sale so that you can sell in froth. So what this means is that the market is, you know, uh, is not a market to wait for everything to feel perfect, because by the time it does, the obvious discounts are gonna be gone. And if you wait for perfect clarity, you’re gonna be competing, you competing with institutional capital, with large private funds and, and, and yield hungry money coming outta cash. The opportunity is not assuming distress lasts forever. It is. It’s in recognizing when the market is transitioning from forced selling, which is what is happening even now to price discovery. So ultimately, the prediction is this multifamily and commercial real estate, that that washout is completed in 2026 and the window created by distress really starts to close. Deep discounts don’t persist. Once market stabilized, which I think is what’s gonna happen, and then I think you’re gonna start to see a shift. You’re gonna start to see more deals, more liquidity, and that’s gonna return faster than people expect. In other words, this is gonna be the end of, you know, sort of this bargain basement, you know, panic pricing. And once real assets stabilize and liquidity returns, attention inevitably turns, uh, to the currency, those assets are priced in. Which brings us to the prediction number three. That dollar, okay, the dollar doesn’t collapse, but it does continue to erode. It slowly leak, right? Let’s talk about the dollar, ’cause you hear about this all the time, right? A nausea, you hear the, the weakening of the dollar. Um, this is one of those topics that where people tend to jump to extremes. You know, on one side you hear the dollar is about to collapse. On the other side you hear the dollar’s strong and everything’s fine. I think, um, the truth is somewhere in, in the middle. And my prediction for 2026 is simple. Um, again, the dollar doesn’t really explode. It doesn’t get replaced. It can just continues to erode slowly but surely. And that’s how reserve currencies actually behave when debt gets high. Right. So why no collapse, right? Because you got like people out there, uh, worried about the collapse of the US dollar. The US dollar is gonna remain dominant, not because it’s perfect, but because there’s no real alternative at scale. There just isn’t. Okay? There’s no other currency with markets as deep, as liquid and as widely used for trade debt and collateral. So, you know, reserve currencies, you know, you hear about the, the worry about us being the reserve currency. Well, reserve currencies don’t disappear overnight. They erode gradually, but they don’t disappear overnight. And that erosion shows up not as a crash, but again as persistent inflation, right? It’s rising, you know, real asset prices, which is again, where you wanna be, and a slow loss of purchasing power over time. Again, that brings us back to the whole issue of debt we were talking about, right? So in a highly indebted system, policymakers are not incentivized to aggressively defend the currency at all costs, right? So very high interest rates might strengthen the dollar in the short term, but they also make debt harder to service and financial stress worse, right? So instead of choosing strength or collapse. Um, you know, policy drifts towards tolerance, right? Inflation is allowed to run a little hotter than people expect, because again, it’s gonna erode that debt. The currency weakens slowly, therefore, rather than violently, right? Again, currency weakening. It’s that, it, it’s so entwined with this idea of inflation because debt becomes easier to manage in real terms. And one of the things I hear, and I’ve been sort of in these conversations back and forth with, um. At least one of you out there, uh, in, in emails is that, you know, I hear, uh, that, that, that there’s a, a serious problem for interest rates because of, you know, China, uh, selling US treasuries. And because of that you might get the collapse of the dollar. In fact, in this conversation, it was not only about China, but also Europe. Which, you know, I hadn’t actually heard anybody mention that before, but I guess that’s out there in the ecosystem and some of the newsletters. Now, all that sounds scary, but it really misunderstands how the system actually works. What exactly happens when someone or a country sells treasuries? Well, they don’t dis, they, they don’t just destroy the dollars. What they’re doing is they just swap $1 asset for another, right? The dollars don’t even lead the system. They change hands. So this idea of China selling off all it t trade, well, China’s been, uh, reducing its treasury holdings for years and the dollar hasn’t collapsed. The market absorbed it because treasuries are the deepest, most liquid market in the world. And then this idea of Europe, of of Europe actually dumping treasuries because, you know, they’re not happy with Donald Trump and what he’s doing in Ukraine and all that, that would be an absolute nightmare for, for Europe. That would hurt their own economy. That’s the last thing that an indebted government wants. So foreign selling, yeah, sure it’s gonna move yields, but it, it’s not gonna implode the dollar. But the reality of the, uh, erosion of the dollar is real. I don’t think anybody questions that anymore, and I think that is another reason that you need to be buying. Real assets. You need to be buying equity. You need to be on the side of the investor class. Okay? That’s, that’s how you combat all of this. So the real takeaway here ultimately is that, you know, it isn’t, uh, to abandon the dollar, right? It isn’t. It’s, it’s just to stop pretending that holding cash is neutral. It’s not, it, most of your wall suits and assets that, that can’t adjust. You know, they can’t grow as, you know, as, as asset prices grow, then you’re making a bet on currency stability that literally no one believes is, is going to be the base standard anymore. Everybody knows, every economist, every country, every everywhere knows that these currencies are eroding. You don’t freak out about the dollar, but don’t, don’t, don’t be like heavily in dollars. Start getting into the markets. Alright, well, you know, I’m talking a lot about esoteric macro stuff, but let’s kind of get into some stuff that you might think is fun, more fun maybe. Okay. You, a lot of you are into Bitcoin. Well, I think that, you know, Bitcoin is gonna continue to mature. And the next look, leg up looks like, you know, because of more adoption, not because of hype, which isn’t maybe not as, as, as fast and violent, but it’s, it’s, it’s a lot more predictable. For those of you who are still unfortunately listening to the likes of Peter Schiff about Bitcoin, you gotta stop doing that because Bitcoin is not tulips. Right? A lot of people still talk about it like it’s a fad that could just vanish. We’re long past that phase. Bitcoin is, is, is a $2 trillion asset and in the history of the world, there has never been a $2 trillion asset that went to zero. Is it volatile? Yeah, it is. It can absolutely continue to be wildly volatile, but you’re not going to zero. And my prediction is not overly crazy. It’s just that. Bitcoin is going to continue to increase in price, but it’s not become, not because of speculative, uh, you know, because it’s a speculative trade anymore, right? I think it’s because of adoption. Uh, adoption is going to become the real meaningful driver of market capitalization. So what do I mean by that? It just means more people are seeing it as a real asset, and it has to become, when it becomes a real asset class, everyone has to have some of it. Every major institution has to have some of it because it’s an its own asset class. And when they do that, it just drives up the entire market capitalization of that asset. And when you have an asset that has a finite amount, which in the case of Bitcoin, there will never be more than 21 million Bitcoin. You have constant adoption, constant slow, but persistent growth in market capitalization, the asset has to become more expensive. Now, what do I mean by this adoption? Well, places that you would never think in a million years, a few years ago, that that would be buying Bitcoin or you know, ETFs, B to Bitcoin ETFs are doing. So Harvard. Harvard is a great example. Because it’s not, it’s not crypto influencer, right? It’s actually one of the most conservative, brand sensitive pools of capital in the world. But their endowment management, uh, disclosed roughly 443, uh, million dollars in its position in BlackRock, uh, BlackRock, iShares Bitcoin, Bitcoin Trust, which is ibi for those of you who, who, uh, don’t know, that’s how you can just go to your New York Stock Exchange and, and buy. Bitcoin ETFs with ibit. Now, whether you love this whole Bitcoin idea or hate it or whatever, that’s a signal that is increasingly treated like a portfolio asset. It’s not a fringe experiment, and it’s not only universities. Uh, institutional comfort is it’s just there, right? Um, custody, uh, custody regulated vehicles, positioning, size, risk controls, those kinds of things are all become part of the Bitcoin uh, environment. Many countries are already holding meaningful amounts of Bitcoin. Uh, even the US has, there’s a, there is a formalized Bitcoin reserve. Now we aren’t actively buying it, but here’s an interesting thing with Bitcoin, you can, when it is, uh, the way that the US is accumulating Bitcoin is through seizures. Alright? Bad guy gets caught. His boats, his house and his Bitcoin get, uh, confiscated. So the US will sell the house, they will sell the gold, they will sell the boats, but they will keep the Bitcoin. What does that tell you? You know? And, and there’s a lot of nations that are actually openly holding and, and buying Bitcoin. I mentioned the US China. This always seems to be, uh, you know, anti Bitcoin. Well, they actually own quite a bit the UK, Ukraine, Bhutan, El Salvador. Bottom line is there’s a big change in narrative, right? That this is a real asset. So this is something that, you know, even if it’s 1% of a major, uh, institution’s assets or less than that, or whatever, it’s part of it. And that adoption alone can move prices from, from here. And that’s what I think a lot of people miss because they’re like, well, you already had a big move and you know, instead a hundred, it’s 80 or 90 or a hundred, whatever. It’s, it’s not going much better, bigger than that. Well, Bitcoin is, is actually really small relative to global pools of capital. So at this stage, adoption alone. Not even the crazy mania of the past can make a non-trivial increase in market capitalization and therefore a mark, you know, a non-trivial increase in the actual price of Bitcoin. All it’s gonna take, and you’re gonna see this, you’re gonna see more endowments, you’re gonna see more sovereign wealth pool, pensions, mod model portfolios, all they guys daisy side, when you know, even with a small allocation. It doesn’t take too much to overwhelm the available float because Bitcoin is scarce and a lot of it’s held tightly. So as far as Bitcoin goes, what do I think is gonna happen? I believe all time highs are gonna get challenged. They’re gonna get broken again in 2026, not because again, everyone’s suddenly becoming a crypto maximas, but because adoptions could just gonna continue to grow. The wild card, I should say, is that the US moving from, we hold. What we seized in terms of Bitcoin to actively acquiring reserves could be enormous catalyst. And there is a lot of talk about this right now. Um, if the market ever believes that the US is a consistent buyer, even in a constrained budget neutral way, that changes the psychology fast. And in that scenario, I think 200,000 plus, uh, $200,000 plus Bitcoin by the end of 2026 becomes very plausible. Zooming out. I’ve said this before, you may think I’m crazy, but again, because of adoption, I think that Bitcoin is at a million dollars five to seven years from now. So what does that mean for you? Well, I mean, I think at the end of the day, if you don’t own some, you might want to, I’m not gonna give you financial advice, but again, just like Harvard’s doing it, you know, major, major endowments are saying, well. You know, maybe we’ll just buy, like, you know, 2% of that, 2% of our, our, uh, endowment will be made of something like that, right? Uh, you know, it’s just even a very small amount, but exposure to it makes a lot of sense. So I think that is something to highly consider if you are still on zero when it comes to Bitcoin. All right, now here’s my last, uh, prediction. You may have heard me talking about this before as well, that AI becomes a deflationary force that policy makers finally wake up to. And I think this is actually one of the most important and misunderstood economic developments, um, that is currently already out there. But I think it’s, it’s gonna be really recognized. By the end of 2026. Okay. Artificial intelligence is gonna stop being just a tech story, and it’s gonna become a macroeconomic story. I think that by the end of 2026, artificial intelligence is clearly, uh, you know, it’s clearly, um, going to be boosting corporate earnings while beginning to materially reshape the labor force. Um, and what’s gonna happen is that central banks and policymakers are gonna start treating it. Is a genuinely deflationary force over the next several years, and they’re gonna try to have to figure out what to do about it. And again, going back to our earlier conversation, because deflation is really a real problem for a country with an enormous amount of debt. So let’s get a little bit into the whole deflationary uh, conversation. So artificial intelligence at its core is a productivity machine, right? It allows companies to produce more. Without, with fewer inputs, fewer hours, fewer people, fewer stakes and productivity always shows up in profits before it shows up in everyday life. Right now, lower cost per transaction, faster execution, fewer people doing the same amount of work, widening margins without price increases. That’s the tell. That’s when profits rise without raising prices, something deflationary is happening underneath the surface. The biggest impact there is the labor market, right? It’s gonna be impossible to ignore. And this is where the conversation really shifts because artificial intelligence doesn’t need to eliminate jobs outright to matter. It only needs to reduce the number of people required to do it, right? So you’re thinking the labor markets, you’re gonna see a lot of this. You’re gonna see more slowing in hiring. Um, even while productivity expectations rise, and I think by late 2026, the public conversation is gonna change from will artificial intelligence affects jobs someday to why aren’t companies hiring the way they used to? And of course, that’s when people are gonna start paying attention and they’re gonna notice it’s deflationary because it’s going to be because artificial intelligence is gonna push down the cost. Of services, administration, customer support, research, and eventually decision making itself. That’s why it’s, it’s deflationary, it’s structural, right? Just think of all those things you can do for so much cheaper. That is what deflation is, right? And again, we mentioned before deflation is not something central banks are comfortable with because of debt and because debt heavy systems rely on nominal growth. Deflation makes debt heavier in real terms as opposed to what we said before, which is that inflation actually erodes debt. And that is a, a very, very challenging problem. And by 2026, I think you’re gonna hear a lot about this, you know, policy problem that we have. Which is innovation versus, you know, deflation. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide finance. Financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Alright, well, so that’s basically it for my, uh, predictions. And I know I’ve kind of. Off on many different tangents, so hopefully it’s useful to you at least to start thinking and doing some of your own research. Bottom line is this, I mean, as, as a investor, what can you do? I think the big story here is understanding that, um, you need to be out of the dollar and into the investor class because that that widening gap between those who have. Who own things, who own assets, and those who do not is gonna continue to widen. And so, you know, my best, uh, won’t call it advice, but my own belief is that it is a, it is a very good time to look around and look for assets that are underpriced because I think everything is going to expand and it’s gonna ex expand. Uh, and you don’t wanna be caught, you know, on the, uh, dollar side of that equation. So. That’s it for me this week on Wealth Formula Podcast. Happy New Year. I’ll see you next week. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

For years we have watched landowners pour cash and resources into land and only profit from the recreational potential that comes along with owning land. But there is a better way to own land and turn that land into a business. We have been behind the scenes building a team to help launch a service that will help landowners develop a land owning strategy that will create a legacy. If you've ever struggled to understand how you can develop a strategy and detailed plan that transforms recreational land into a living business that generates income, reduces taxes, and creates a legacy you can pass down for generations to come then you are perfectly positioned to benefit from this service offering. We hope you see value in this offering and join us in the journey of creating a legacy around landownership.

From a lumpy 2025 market to building pent-up demand, M&A attorneys Corey Kupfer and Brian Meegan share their frontline perspective on deal trends and what business owners need to know heading into 2026. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with his partner Brian Meegan of Kupfer. to kick off the new year with a candid conversation about the deal market. Together, they've handled dozens of deals totaling hundreds of millions of dollars in purchase price and enterprise value across wealth management, tech, and trade industries nationwide. WHAT YOU'LL LEARN: In this episode, you'll discover why the 2025 M&A market has been "lumpy" with strong activity in certain sectors while others slowed, and how markets normalize uncertainty when clarity takes too long. Corey and Brian discuss tax legislation certainty versus tariff uncertainty pending Supreme Court review, why pent-up demand builds pressure that eventually releases, and how massive PE dry powder creates deployment urgency. You'll learn why equitizing Generation 2 leadership years before an exit improves options and valuation, how trade industries remain attractive due to AI resistance, and what regional differences mean for deal opportunities. DEAL MARKET REALITY: The end of 2024 was intense, and momentum carried into 2025. Yet conversations with colleagues revealed uneven activity nationwide. Wealth management stayed robust while other sectors slowed. Weaker earnings combined with elevated prices created buyer-seller disconnects. CERTAINTY AND UNCERTAINTY: Markets crave predictability. Recent tax legislation provided clarity around R&D credits and SALT deductions. Tariff policy remains uncertain with potential Supreme Court review, creating productivity costs as companies refigure supply chains. PENT-UP DEMAND: When natural deal flow gets suppressed, it builds pressure rather than disappearing. PE firms sit on enormous capital with fund timeline pressures. Money isn't the constraint. Finding opportunities and having clarity to proceed are the real bottlenecks. THE GEN 2 IMPERATIVE: Equitizing key executives years before a potential exit creates tax-efficient structures, makes companies more attractive to buyers, and gives acquirers confidence. Waiting until deal time limits options and hurts valuation. REGIONAL DIFFERENCES: Brian's Denver practice serves different markets than Corey's coastal work. Colorado features strong tech sectors and alternative energy with California migration. Heavy manufacturing concentrates in Arizona and Nevada. TRADE CONSOLIDATION: Professionalization of trades including plumbing, electrical, and HVAC continues after more than a decade. These industries resist AI disruption, making them attractive for stable revenue and consistent fundamentals. Perfect for business owners considering exits, entrepreneurs evaluating opportunities, and anyone wanting frontline perspective on current M&A conditions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/brianmeegan2026 FOR MORE ON BRIAN MEEGAN: https://www.kupferlaw.com/ https://www.linkedin.com/in/brian-meegan/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Kicking off 2026 with partner Brian Meegan [02:00] - Why the M&A market has been "lumpy" across sectors [04:00] - Tax policy certainty after major legislation passed [08:00] - 2026 outlook and pent-up demand building pressure [13:00] - Appreciation for DealQuest listeners and clients [16:00] - The importance of equitizing Generation 2 leadership [18:00] - Tax efficiency and planning equity participation early [22:00] - Heavy manufacturing trends in Arizona and Nevada[28:00] - Optimism for 2026 and where opportunities exist Guest Bio:Brian Meegan is a partner at Kupfer., bringing extensive transactional experience from his Denver-based practice. Brian specializes in M&A transactions and complex deal structures across tech, natural resources, and professional services. His Colorado practice provides unique perspective on regional market dynamics outside traditional coastal centers. Host Bio:Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Related Episodes: Episode 331 - M&A Market Outlook for 2025 with Corey Kupfer: Predictions and survey data about M&A activity expectations. Episode 339 - Why Your Gen 2 Matters in M&A with Corey Kupfer: Succession planning and how next-generation leadership affects deal value. Episode 350 - Building Wealth Through Rental Properties with Tom Dillon: The "sweaty startups" concept and trade industry consolidation. Episode 335 - Sovereign Wealth Funds and the Future of Investment Advisory Deals with Corey Kupfer: New capital sources entering wealth management M&A. Episode 330 - From Operator to Owner with Pete Mohr: Business freedom and reducing owner involvement while maintaining value. Episode 206 - Should Uncertainties in the Market Impact Your Deal-Making? with Corey Kupfer: How external factors should influence deal decisions. Social Media: Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Brian Meegan: https://www.kupferlaw.com/ Keywords/Tags: M&A market outlook 2026, deal trends, private equity dry powder, pent-up demand, tariff uncertainty, trade consolidation, equitizing employees, succession planning, wealth management M&A, Gen 2 leadership, tax policy certainty, interest rates, regional deal markets, Colorado tech sector, entrepreneurship, business growth strategies, dealmaking, exit planning, capital deployment, fund timelines

Tell Us A Secret The first Wealth Wednesday of 2026 See omnystudio.com/listener for privacy information.

Proverbs 19:4–6 exposes how wealth attracts companions, poverty reveals abandonment, and influence often masquerades as friendship. Riches multiply friends, while the poor are deserted—even by neighbors. False witnesses and flattering tongues chase favor, but their loyalty is shallow and self-serving. In today's Morning Manna, Rick Wiles and Doc Burkhart examine the difference between convenience-based relationships and covenant faithfulness, warning against mistaking popularity and persuasion for truth, integrity, or genuine love. Teachers: Rick Wiles and Doc Burkhart You can partner with us by visiting MannaNation.com, calling 1-888-519-4935, or by mail at PO Box 399 Vero Beach, FL 32961. MEGA FIRE reveals the ancient recurring cycles of war and economic collapse that have shaped history for 600 years. These patterns predict America is now entering its most dangerous period since World War II. Get your copy today! www.megafire.world Get high-quality emergency preparedness food today from American Reserves! www.AmericanReserves.com It's the Final Day! The day Jesus Christ bursts into our dimension of time, space, and matter. Now available in eBook and audio formats! Order Final Day from Amazon today! www.Amazon.com/Final-Day Apple users, you can download the audio version on Apple Books! www.books.apple.com/final-day Purchase the 4-part DVD set or start streaming Sacrificing Liberty today. www.Sacrificingliberty.com

For decades, Venezuela has been ravaged by socialism and the rule of strongmen like Hugo Chávez and Nicolás Maduro. It is a country that has watched its most capable citizens flee for more than a decade. But after the shocking capture and arrest of Nicolás Maduro, as you can imagine, I've been getting questions left and right from the Expat Money community about the situation in Venezuela.  In today's episode, my co-host Marc Clair and I break down what this arrest means for international law and geopolitical power, what it may mean inside Venezuela, and why this is not a classic “regime change” story. We also speculate on the real motives behind the move, who may be pulling strings, and where this could go next. IN TODAY'S EPISODE Listen in as Marc and I discuss what Maduro's arrest means for international law and geopolitical power politicsLearn why this is not a traditional regime change and what that means for Venezuela internallyHear our take on how this fits into Trump's renewed focus on Latin America and the Monroe DoctrineFind out what we think the real motives are, who the key players may be, and what comes next STAY IN TOUCH! Stay informed about the latest news affecting the expat world and receive a steady stream of my thoughts and opinions on geopolitics by subscribing to our newsletter. You will receive the EMS Pulse® newsletter and the weekly Expat Sunday Times; sign up now and receive my FREE special report, “Plan B Residencies and Instant Citizenships.” WEALTH, FREEDOM & PASSPORTS CONFERENCE, MARCH 6-7, 2026 Join us in Panama City from March 6-7, 2026, for our second annual in-person event, the Wealth, Freedom and Passports Conference! Prices go up January 10th, and space is very limited, so reserve your tickets right away. RELATED EPISODES 387: The Leaders Shaping Latin America's Shift Toward Freedom 365: The Bukele Effect: Inside El Salvador's Radical Transformation 340: Expat News: Trump Sends Rubio To Panama & Javier Milei's Meme Coin Scandal

In this conversation, Dr. Tudor Francu shares his unique journey from being a medical professional to becoming a successful real estate investor. He discusses the challenges and learning curves he faced, the importance of networking, and the balance between work and personal life. Dr. Francu also emphasizes the significance of learning from failures and maintaining consistency in efforts towards success. He highlights his podcast, Stellar Success, aimed at guiding medical professionals interested in real estate investing, and shares insights on achieving financial freedom while enjoying life.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This week's theme: Stop Robbing Yourself of Lasting Wealth In this episode of From Fear to Fire, financial educator and bestselling author Bill Cates joins Heather Hansen O'Neill to explore how many of us stop robbing ourselves of lasting wealth by uncovering and transforming the hidden beliefs that subtly sabotage our financial success. Drawing on insights from his book The Hidden Heist, Bill explains that the real barriers to financial freedom aren't income or opportunity; they're the unconscious money stories, scarcity thinking, and misinformation that shape our decisions and limit our potential. Bill and Heather dive into how awareness, education, and disciplined habits can help listeners challenge outdated beliefs, embrace long-term thinking, and make smarter financial choices. By recognizing and rewriting the internal narratives that quietly rob you of confidence and opportunity, you can build greater financial freedom and peace of mind. From Fear to Fire: Secrets to Overcome Fear, Embrace Your Gifts and Achieve Success This is the place where real people share real challenges. Where you can find a common bond and uncommon wisdom through their stories. Use tips from the breakthroughs of others to jump-start your success. Speaker, author, adventurer, and host Heather Hansen O'Neill takes you on the journey from fear to fire.  Today, we explore how changing limiting money beliefs and learning how money truly works can reduce fear, build discipline, and create lasting financial freedom. Bill Cates Bill believes that everyone deserves to make educated financial decisions that are in their best interest. He has turned this belief into his mission—to bring financial education to as many people as he can reach. For over 30 years, Bill has helped financial professionals and businesses move from incremental growth to exponential growth by: communicating more compelling value, balancing digital and human marketing strategies, multiplying their best clients through referrals, and targeting profitable niche markets. Bill is the author of seven books, the founder of The Cates Academy for Relationship Marketing, and the host of the acclaimed Top Advisor Podcast, ranked in the top 5 percent of podcasts worldwide. Bill was inducted into the Professional Speakers Hall of Fame in 2010. Connect with Bill: Website: Bill Cates | Referral Coach LinkedIn: Bill Cates, Unlocking Exponential Growth Bill's newest book is The Hidden Heist: Stop Robbing Yourself of Lasting Wealth – An Irresistible Tale of Financial Redemption. Quote of the Day: “Do not save what is left after spending, but spend what is left after saving.” ~Warren Buffett Finding Humanity: The Evolution of Sales is out now. Check it out here! The post Stop Robbing Yourself of Lasting Wealth with Bill Cates appeared first on Heather Hansen Oneill.

How is the United States military action into Venezuela which led to the capture of Venezuelan leader Nicolas Maduro likely to impact the stock market and your investments? Note: This is NOT a political discussion, but a conversation about how scenarios like this can impact equity markets.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "The Fire" Bernstein talk about the capture of the president of Venezuela, questions answered and dodged by Trump as far as plans moving forward, and more.Support Our Sponsors:BodyBrain - Go to BodyBrainCoffee.com, use code DAVE20 for 20% off your first orderMASA Chips - https://www.masachips.com/DAVE My Patriot Supply - https://www.mypatriotsupply.com/problemCrowdHealth - https://www.joincrowdhealth.com/promos/potpPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarianSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of The Real Wealth Show, Kathy Fettke sits down with Brian Luebben to break down how he built wealth rapidly by combining real estate investing, business buying, and a disciplined cash flow strategy. Brian shares how he transitioned from a successful corporate sales career to financial freedom in just a few years—starting with house hacking and co-living, then scaling into short-term rentals, business acquisitions, and eventually commercial real estate. He explains why many investors get stuck chasing equity instead of cash flow, and how clarity around income goals can simplify investing decisions. You'll also hear practical insights on buying cash-flowing businesses, using real estate for tax advantages like cost segregation, and why mindset alone isn't enough without a clear execution plan. If you're a high-income earner or investor trying to decide between real estate, business ownership, or both, this conversation offers a clear framework for building wealth with intention.

How to Manifest Abundance starts with your mindset, and in this episode, I'm joined by Scarlett Stanhope, an abundance and manifestation coach, to break down what it really takes to rewire your mind for wealth, confidence, and ease.This episode goes beyond surface-level manifestation advice and dives into identity, nervous system safety, and becoming the woman who expects abundance instead of chasing it.You'll learn: Why manifestation doesn't work when you're operating from scarcityHow to rewire your mindset for abundance, wealth, and confidenceThe connection between self-worth, money, and receivingWhat it truly means to embody an abundance mindsetConnect with Scarlett:Free Quiz: Discover your money mindset type https://thebizhippie.com/quizPodcast: https://thebizhippie.com/podcastInstagram: https://instagram.com/thebizhippieWebsite: https://thebizhippie.comConnect with me:EMAIL ME: theperryrichardson@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠22 Journal Prompts ( Free Guide)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on Instagram (the.mindsetbabe)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠keywords:how to manifest abundance, abundance mindset, manifestation for women, manifestation coach, wealth mindset, confidence and self worth, rewiring your mindset, scarcity mindset, abundance vs scarcity, feminine manifestation, subconscious beliefs, law of attraction, self worth and money, attracting abundance, mindset coaching, personal development podcast, confidence coaching for women

Send us a textIn this first episode of 2026, Dr. Latifat Akintade sets the tone for the year with one powerful word: multiply.This is not a call to hustle harder or do more. Instead, Dr. Latifat reframes multiplication as intentional, strategic growth more peace, more clarity, more wealth, and more impact, with less energy and less overwhelm.In this episode, Dr. Latifat breaks down the 6 principles for multiplying in 2026, including:Why cutting out distractions (even “good” ones) is essential for growthHow going back to financial basics is the fastest way to build wealth at every income and net-worth levelThe importance of finding the right people and being intentional about whose voices you allow to influence your decisionsWhy mastering your time through simple rhythms like the CEO Money Hour creates exponential capacityHow choosing boring, proven wealth vehicles beats chasing trendy investmentsWhy momentum comes from starting before you feel ready, not waiting for perfect clarityThroughout the episode, Dr. Latifat weaves together money, time, relationships, faith, and purpose reinforcing her belief that true wealth is wholesome, not lopsided.Dr. Latifat is inviting listeners to take the next step through the Wealth Vision & Goal-Setting Workshop, a complimentary annual experience designed to help women physicians resetYou're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

Are you ready to make 2026 your wealthiest year yet? In this timely and transformative episode of The Self Esteem and Confidence Mindset, I'm sharing the 3 most important things you need to consider right now if you want to attract wealth, build abundance, and step into financial confidence in 2026.For further resources:Emotional intelligence:Grab more from Robin here:ei-matters digital magazine ⁠⁠https://ei-matters.com⁠⁠⁠⁠https://emotional.intelligence.courses⁠⁠Develop your Emotional Intelligence (Free book) - ⁠⁠https://emotional.intelligence.courses/courses/free-book⁠Pushing through life's challenges, check out Jose's book here:Grab Jose's book here:⁠⁠https://www.amazon.com/FIDO-FORGET-Jos%C3%A9-F-Morillo-ebook/dp/B0F2SFHTL7⁠Interested in writing or fictional stories? Check out Steve's work here: ⁠⁠https://www.amazon.com/Sixth-Man-Missing-Steven-Meeker/dp/B0FQ4JVQ1N

Proverbs 19:4–6 exposes how wealth attracts companions, poverty reveals abandonment, and influence often masquerades as friendship. Riches multiply friends, while the poor are deserted—even by neighbors. False witnesses and flattering tongues chase favor, but their loyalty is shallow and self-serving. In today's Morning Manna, Rick Wiles and Doc Burkhart examine the difference between convenience-based relationships and covenant faithfulness, warning against mistaking popularity and persuasion for truth, integrity, or genuine love. Teachers: Rick Wiles and Doc Burkhart You can partner with us by visiting MannaNation.com, calling 1-888-519-4935, or by mail at PO Box 399 Vero Beach, FL 32961. MEGA FIRE reveals the ancient recurring cycles of war and economic collapse that have shaped history for 600 years. These patterns predict America is now entering its most dangerous period since World War II. Get your copy today! www.megafire.world Get high-quality emergency preparedness food today from American Reserves! www.AmericanReserves.com It's the Final Day! The day Jesus Christ bursts into our dimension of time, space, and matter. Now available in eBook and audio formats! Order Final Day from Amazon today! www.Amazon.com/Final-Day Apple users, you can download the audio version on Apple Books! www.books.apple.com/final-day Purchase the 4-part DVD set or start streaming Sacrificing Liberty today. www.Sacrificingliberty.com

Sylvia Solit is an experienced wealth manager, public speaker, and thought leader who strives to connect consciousness to capital by promoting awareness and transformative purpose in the world of investing. She helps companies, investors, and individuals re-examine their investment philosophies and how they deploy their capital to inspire positive social change. Ms. Solit's background is in the sourcing and deployment of capital to help clients achieve financial returns and social impact. Believing that visionary entrepreneurs are most able to spark mass social change, she seeks disruptive, transformative investment opportunities. Sylvia Benito has more than two decades of wealth management experience and has worked with ultra-high-net-worth clients with more than $1 billion in assets. She has also served as a hedge fund analyst and as a CIO for family offices. An in-demand public speaker, Sylvia Solit has spoken at several industry events and conferences that intersect with her interest in purpose-driven investment, female empowerment, and other topics. She spoke at the 39th Private Wealth Management Summit in June 2023, delivering a presentation on the financial concerns of women who are divorced, widowed, or inheritors of their parents' estate. Sylvia Benito has also spoken at the National Trial Lawyers Summit and Women and Wealth, among other events, and authors a quarterly newsletter through which she shares personal stories.Sylvia is a trained shaman and healer and has decades of experience working with plant medicines.In addition, Ms. Benito is the co-founder of The Oasis Institute, which she successfully exited before pursuing her career in wealth management. Her areas of expertise include financial analysis, strategic planning, negotiation, financial modeling, and risk management. She is a Chartered Financial Analyst and holds a bachelor's degree in environmental studies from New College of Florida.Episode Highlights▶ An unexpected psychedelic experience that sparked a spiritual awakening▶ How thoughts shape reality and influence abundance▶ Why the awakening path can be both expansive and deeply uncomfortable▶ The missing bridge between spirituality, money, and modern life▶ Redefining money as neutral energy rather than something dirty or corrupt▶ Discovering what “enough” truly means and why it changes everything▶ Reclaiming work as sacred, meaningful, and soul-aligned▶ Why healers are undervalued and how that may be shifting▶ The rise of AI, digital assets, and new economic possibilities▶ Using AI as a creative ally without losing your authentic voice▶ Shadow work, resilience, and facing fear as portals to growth▶ Why authenticity will matter more than ever in an AI-driven world Sylvia Solit's Links & Resources▶ Instagram: https://www.instagram.com/sylviasolit Download Beth's free trainings here: Clarity to Clients: Start & Grow a Transformational Coaching, Healing, Spiritual, or Psychedelic Business: https://bethaweinstein.com/grow-your-spiritual-businessIntegrating Psychedelics & Sacred Medicines Into Business: https://bethaweinstein.com/psychedelics-in-business▶ Beth's Coaching & Guidance: https://bethaweinstein.com/coaching ▶ Beth's Offerings & Courses: https://bethaweinstein.com/services▶ Instagram: @bethaweinstein ▶ FB: / bethw.nyc + bethweinsteinbiz ▶ Join the free Psychedelics & Purpose Community: / psychedelicsandsacredmedicines

Send us a textIn this deep and transformational episode, host Vinki Loomba sits down with Jonathan Wei, a seasoned real estate investor, former tax professional, and visionary mentor who has built a $130M real estate portfolio. Jonathan shares how leaving corporate America and aligning with his higher self unlocked the path to not only financial freedom—but fulfillment. Discover why mentorship isn't just helpful—it's essential to true wealth building.Key Takeaways:Mentorship is the Ultimate Multiplier: Jonathan credits mentorship as the pivotal factor that scaled him from residential to a $130M multifamily portfolio. Without it, he says, the leap would have been nearly impossible.Wealth Starts With Self-Knowledge: Discover how spiritual alignment, meditation, and mindset shifts helped Jonathan unlock abundance far beyond money.Why the DIY Route is Dangerous: From capital raising to asset management, Jonathan explains why trying to go it alone often leads to failure—and how guided mentorship protects against costly mistakes.From Survival to Leadership: Learn how Jonathan transforms mentees into leaders by involving them in real deals—from due diligence to asset management—empowering them with real-world experience.High Vibration Wealth Building: Jonathan's philosophy blends consciousness and capitalism, showing how mindset, energy, and intention create not just wealth—but a new earth.Episode Timestamps:00:00 - 02:15: Jonathan's corporate background and the moment he chose to leave02:15 - 06:35: Awakening, reflection, and hiring a mentor06:35 - 11:00: Self-belief, mindset, and the power of manifestation11:00 - 16:00: Mentorship vs. noise—finding truth and clarity in guidance16:00 - 19:30: Building legacy through real estate and community19:30 - 26:00: High-vibration leadership, spiritual wealth, and serving others26:00 - 33:35: Mentorship frameworks and avoiding common real estate traps33:35 - 37:10: Real student success stories from Jonathan's community37:10 - 40:30: Wealth, contentment, and designing a life of purpose40:30 - 44:00: Rapid-fire insights: daily habits, books, favorite deals, and more

Summary  In this episode of the Prosperity Podcast, we explore the enduring value of precious metals and the significance of mutual life insurance companies. Host Kim shares insights into assets that retain value over time and emphasizes the importance of having a long-term plan with investments. With current market shifts and the ever-present unpredictability of personal health, the episode underlines thoughtful financial planning. Tune in for timeless principles and financial wisdom that go beyond today's economy..   Episode Highlights 00:01:28 - "And then what?" Deep inquiry on investment goals. 00:04:00 - Gold as savings vs. investment. 00:06:40 - Liquidity needs for emergencies and opportunities. 00:09:29 - Mutual life insurance as a stable asset. 00:10:44 - Focusing on what's unchanging in uncertain times. 00:12:20 - Consequences of delaying insurance purchases. 00:14:11 - Potential health impacts on insurance eligibility. 00:15:17 - Book recommendation: "The Gold Standard" by Saifedean Ammous.   Episode Resources For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://storage.googleapis.com/msgsndr/yBEuMuj6fSwGh7YB8K87/media/68e557c906b06d836d9effad.pdf  https://www.youtube.com/@KimDHButler   Keywords Prosperity podcast   Precious metals   Centuries-lasting assets   Silver price   Gold price   Financial products   Investment   Savings   Value storage   Asset growth   Emergency fund   Liquidity   Mutual life insurance   Dividend announcement   Whole-life insurance   Cash value   Term insurance   Investment strategies   Economic stability   Actuarial science   Financial planning   Peace of mind   Health and insurance   Procrastination loss   Gold standard   Bitcoin   Economic history   Prosperity thinkers  

2025 was full of insightful conversations, and in this special episode, Rachael DeLeon and Dr. Brandy Baxter revisit some of the most impactful moments from the year. From defining true wealth to building trust with clients, our guests share nuggets of wisdom that inspire both financial professionals and everyday money managers alike.Join us as we highlight key takeaways from Justin Chastain, John Ackerman, Ericka Young, Joanne Danganan, and Colleen Salchow. You'll hear about building self-worth, the power of journaling, military family money lessons, and the importance of compound interest. This is a celebration of learning, growth, and actionable advice to help you and your clients thrive in 2026.Tune in to leave with your own “two cents” for the year ahead!Shownotes:00:04 Welcome to our 2025 round up01:09 Justin Chastain: Wealth vs. Brand04:57 Jon Ackerman: Helping the Underserved08:31 Ericka Young: Financial Coaching & Building Trust11:42 Joanne Danganan: Journaling & Money Conversations15:47Colleen Salchow: Military Family Money LessonsWant to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this episode Brian and Jeff discuss economic concerns for 2026 and what your CPA needs to know before they file your taxes. 

In this episode brain and Jeff discuss different types of advisors - which is right for you, and the the top 5 market risks that many DIY investors miss. 

เกาะติดสถานการณ์ ใครเป็นผู้กุมชะตา ‘น้ำมันเวเนซุเอลา' ตอนนี้ สหรัฐฯ ได้ประโยชน์มากแค่ไหนจากการจับ ‘มาดูโร' จับตา ‘จีน' อาจเป็นผู้สูญเสียรายใหญ่ในสมการนี้ วิเคราะห์ภาพสินทรัพย์ลงทุนในปี 2026 จากความเสี่ยงภูมิรัฐศาสตร์ระหว่างสหรัฐ กับ เวเนซุเอลลา รวมทั้งปัจจัยที่ต้องติดตามนับจากนี้ พูดคุยกับ สิทธิชัย ดวงรัตนฉายา นักกลยุทธ์อาวุโสตลาดหุ้นไทยและต่างประเทศ ฝ่ายกลยุทธ์การลงทุน บริษัทหลักทรัพย์ อินโนเวสท์ เอกซ์

In a world obsessed with motion, speed, and constant action, this message is a reminder of a deeper truth:Stillness is progress.This talk explores the power of being cautiously optimistic—believing in growth, potential, and the future, while also respecting the risks, discipline, and reflection required along the journey.In this message, we break down:Why stillness is not failure, but preparationHow stillness helps reset the nervous systemDetoxing from dopamine addiction and constant stimulationThe difference between no progress and intentional stillnessWhy reflection is often the missing ingredient to growthHow adversity tests your patience, poise, posture, and perceptionThe lesson of David and Goliath—and why borrowed armor never worksWhy optimism fuels execution, not avoidanceHow some of the greatest breakthroughs are born in silenceJoin our Exclusive Patreon!!! Creating Financial Empowerment for those who've never had it.

Beautiful soul, this episode is for anyone who feels that something big is shifting and is ready to step into a year defined by ease, joy, and unexpected blessings. In this powerful two-part episode, Julie shares channeled angel messages and energetic insights for 2026. She explains why this year carries a massive expansion energy, not driven by burnout, hustle, or struggle, but through divine ease, presence, and alignment with God's highest vision for your life. Julie introduces new energetic tools the angels are guiding us to use, including the Energy Expansion Boom, the Cord Creation Technique, and what she calls Universal DoorDash a way of consciously co-creating with God and your angels through clarity, intention, and deep trust rather than force or manifestation. This episode reframes wealth, abundance, and success as soul-aligned living. It is especially supportive for those feeling overwhelmed, energetically overloaded, fearful about the future, or ready to release old subconscious beliefs around suffering, money, and worthiness. Episode Chapters (0:00) Angel messages and predictions for 2026 (4:56) Expansion without burnout: the core energy of the year (7:01) Unexpected blessings and divine plot twists (9:20) Releasing the belief that suffering is required to grow (14:30) The Energy Expansion Boom and auric field shift (17:57) Being instead of striving: the new way forward (21:29) The Cord Creation Technique (cord cutting in reverse) (26:12) Nervous system regulation and energetic ease (28:24) Universal DoorDash: ordering from the universe (33:41) Redefining wealth beyond money (38:17) Healing subconscious fear around money and success (44:31) Fear as information and energetic empowerment (46:49) Introducing the Pray and Be Wealthy series (49:08) Becoming the miracle others have prayed for Work with Julie & Your Angels If you've been feeling the nudge I want to hear my angels clearly, I want to work with them every day, here's how to go deeper:

Join the All In Mastermind: 100 Men, committed to their goals - https://www.muscleintelligence.com/apply/   Truth is, 98% of people set goals… and end the year in the same place. In this solo episode, Ben breaks down the 12 "Power Moves" framework he uses with elite founders, executives, and high performers to create repeatable wins in 2026. You'll learn why measuring inputs is a trap, how to build an outcomes-based scorecard for your body and life, and the real definition of success: intelligence + agency. Ben also explains the Mission–Map–Mentor model, the 4 resiliencies that determine follow-through (body, mind, stress, energy), and the 12 power moves that created exponential change in his own life. If you want a year that actually moves the needle, start here. 5 Bullet Points: Why "more information" can keep you stuck The scorecard that turns goals into outcomes Intelligence vs agency: the real success equation The 4 resiliencies that predict follow-through 12 Power Moves to build momentum fast   Whenever you're ready... here are 3 ways we can help you look, feel and perform at your best:   1. Grab a free copy of 1 of our BRAND NEW Peak Performance Protocols. This is for high performers looking to 10x their training and nutrition results by becoming 10x more effective. Click here - https://go.muscleintelligence.com/high-performance-executive-report/   2. Join the Muscle Intelligence Community and connect with other men like you who want to uplevel their health and fitness. It's our new Facebook group where I coach members live, share what's working with my private clients and announce tickets to my upcoming trainings and events. Click here - https://www.muscleintelligence.com/community   3. Read the Newsletter Join 200,000 men in their prime, reading our weekly newsletter: http://muscleintelligence.com/newsletter   Time Stamps: 00:00 Introduction to Power Moves 01:25 Curating Inputs and Outputs 02:17 Scorecards for Body, Health, and Wealth 06:13 Understanding Agency and Intelligence 20:12 The Importance of Strong Humans 22:17 Taking Personal Responsibility 22:36 Power Moves for Success 24:29 Creating a Scoreboard 27:33 Mastering Your Environment 28:35 Mastering Your Morning 30:32 Nurturing Family and Marriage 31:54 Connecting to a Higher Purpose 34:15 Becoming an A Player 37:48 Final Thoughts and Mentorship Invitation