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Most people think depreciation just applies to cars but real estate investors and entrepreneurs know better. From bonus depreciation to the short-term rental loophole, here's how smart structuring and understanding the IRS code can lead to massive write-offs.Get access to our real estate community, coaching, courses, and events at Wealthy University https://www.wealthyuniversity.com/Join our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://www.wealthykingdom.com/ If you want to level up, text me at 725-527-7783!--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generat...

In this episode of the Healthy, Wealthy, and Smart podcast, host Dr. Stephanie Weyrauch welcomes Dr. Jeff Golini, the CEO and executive scientist of All-American Pharmaceutical. Dr. Golini shares his journey from being a lifelong athlete, participating in various sports from elementary school through college football, to becoming a trailblazer in sports nutrition and business innovation. He discusses the foundation of his company, which is rooted in science, passion, and purpose, and highlights some of his globally recognized supplements. Please tune in to learn about Dr. Golini 's unique insights into the world of sports nutrition and how he has built a successful business in this field.   Time Stamps:  [00:01:32] Professional bodybuilding journey. [00:04:12] Innovation in nutritional supplements. [00:10:53] Entrepreneurship and patience. [00:12:55] Patience in business growth. [00:17:17] Balancing multiple roles effectively. [00:22:01] Treating employees with respect. [00:26:55] Quality over profit in healthcare. [00:30:11] Importance of delegation in business. [00:31:36] Importance of having mentors. [00:39:08] Defining success as a leader. [00:42:07] Importance of exercise for success. [00:44:19] Advice for young professionals.   More About Dr. Golini:  From his beginnings as a high school All-Conference/All American athlete turned Professional Body Builder, Dr. Golini, knows with hard work and a creatively strategic plan, anyone can take life's challenges head on and turn ordinary circumstances into extraordinary opportunities. Seeing a need to invent and develop high quality, drug-free supplement, Dr. Golini took his own competitive spirit and performance knowledge from a hobby in his apartment in 1985 to the current multi-million dollar state of the art, 150,000 square foot Research & Manufacturing facility in Billings, Montana.  Dr Golini is a multi-Patent holder, inventor, author and scientist currently working at the helm of All American Pharmaceutical as CEO and Excusive Scientist. Dr Golini has also published several studies and has been the  host of National Radio Shows “Science for Humans” and “The EFX Sports Show” heard live on ESPN 910 Radio.  Dr Golini recently founded  St Anthony's Research & Education Institute with the hope to find a cure for such terrible diseases such as cancer and diabetes.   Resources from this Episode: Dr. Golini on LinkedIn All American Pharmaceutical All American Pharm on YouTube Dr. Jeff Golini on Instagram https://efxsport.com   https://www.facebook.com/EFXSports/   https://www.facebook.com/drjeffgolini   https://www.instagram.com/efxsports/   https://x.com/EFXSports   https://www.youtube.com/channel/UCInM0NI6qEUwAQHD-2LSHTg   https://www.tiktok.com/@efxsports   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

The tax and spending bill passed by House Republicans last week is the sort of bill that does so many different things that even budget experts could be forgiven for not realizing just how many different parts of the economy it will change. In the realm of workers' comp, the bill would eliminate taxes on overtime pay and tips. In terms of families, it would create new $1,000 savings accounts for children and give parents an extra $500 per year per child, in the form of an expanded child tax credit. In the realm of health and the culture wars, it would ban the use of Medicaid funds for gender-affirming care and cut funding for Planned Parenthood. In the realm of climate, it would claw back half a trillion dollars of investments in wind, solar, geothermal, batteries, nuclear power, clean hydrogen, and electric vehicle purchases. In the realm of defense, it would increase spending by over $100 billion on shipbuilding, air and missile defense, immigration enforcement, and border security. But judging strictly by the sheer dollar amount of the provision, this bill is really about three big things. Number one, it extends a multitrillion-dollar tax cut on corporate and individual income. Number two, it reduces federal spending on two major government programs by a combined $1 trillion: Medicaid, the government health-care program for those with low income, and SNAP, or federal spending on food stamps. And number three, because of the mismatch I just told you about, between the tax cuts and the spending cuts, it will increase the national debt by several trillion dollars over the next 10 years. Today, we have two guests. First, the University of Chicago economist Eric Zwick joins to talk about the corporate tax cut. And second, to understand how to think about the debt picture, I talk to Maya MacGuineas, president of the Committee for a Responsible Federal Budget.If you have questions, observations, or ideas for future episodes, email us at PlainEnglish@Spotify.com. Host: Derek Thompson Guests: Eric Zwick and Maya MacGuineas Producer: Devon Baroldi Learn more about your ad choices. Visit podcastchoices.com/adchoices

The investing access and strategies of the mega-rich, made available to you! Welcome back to Unlock Your Life! This week, Jennings talks with Mark Miller, CEO of Hilton Tax & Wealth Advisors, about the service and financial education Hilton is providing to investors across multiple levels of wealth tiers.  If you're interested in de-complicating diversification and elite investing strategy, Mark is the guy for you. You can find more and connect with Mark Miller at Hiltonwealth.com. Find Mark's book at https://book.hiltonwealth.com. Thanks for listening!

The party meets with Those of the High Mountains, a mysterious rock construct built by The Great Wizard Dave. They grill it for information about its creator, and it is very straightforward and helpful and not evasive at all. Grickx clarifies. Cool Vons waves hello. Steamboat Willie conducts a chill hang. Original Recipe Vons brews a concoction cornucopia. Jyessi asks probing questions. Wealthy plays it cool. Check us out online! We're at https://www.primaryattribute.com Our 200th episode is coming up! Want to have your questions answered or comments considered on the show? Drop us a line at letters@primaryattribute.com or use the Send Us A Rat form on our website!

  Last time we spoke about the Xi'an Incident. In December 1936, tensions in China erupted as Nationalist General Chiang Kai-shek faced a revolt led by his commanders, Zhang Xueliang and Yang Hucheng. Disillusioned by Chiang's focus on battling communists instead of the Japanese invaders, the generals swiftly captured him in a coup. Confined in Xi'an, Chiang initially resisted their demands for a united front against Japan but eventually engaged in negotiation with Zhang and the Chinese Communist Party. As public sentiment shifted against him, Chiang's predicament led to urgent discussions, culminating in an unexpected alliance with the communists. This pact aimed to consolidate Chinese resistance against Japanese aggression, marking a critical turning point in the Second Sino-Japanese War. By December 26, Chiang was released, and this uneasy collaboration set the stage for a more unified front against a common enemy, though underlying tensions remained between the factions.   #152 China Prepares for War Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. Before we jump into the Second Sino-Japanese War of 1937-1945, which I honestly have no idea how long will take us, I thought it would be a good idea to dedicate two episodes to how both China and Japan prepared themselves for war.  Going all the way back to the 1910s, Chinese intellectuals began to view an outright conflict between Japan and China was inevitable. In the discussions about China's strategic options, Jiang Fangzhen pioneered a strategy of protracted warfare, a concept that would later shape China's approach during the Sino-Japanese War. Having studied in Japan during his youth, Jiang developed a keen understanding of the Japanese government and military. As early as 1917, he predicted that China and Japan would become embroiled in a long-term conflict, with the battleground likely to be west of the Peiping–Wuhan and Guangzhou–Wuhan railways. In his work titled "Guofang Lun" or “On National Defense”, Jiang reiterated the importance of protracted warfare as a means to thwart Japan's aspirations for a swift victory. He argued that China should leverage its vast population and extensive territory to extend the conflict, gradually wearing down Japanese strength and turning the situation to its advantage. Jiang recommended that China not focus on defending its coastal regions but instead confront the enemy west of the Peking–Wuhan Railway.   Chiang Kai-shek would eventually come to share Jiang's belief that “the longer the war drags on, the more advantageous it will be for China.” Despite significant public criticism, both the Nationalist government and General Zhang Xueliang, decided against military resistance when Japan invaded Manchuria in September 1931 and attacked Shanghai in 1932. Chiang was particularly hesitant to engage Japan directly, as he was also dealing with a Communist insurgency in central China. He feared that Chinese forces would suffer quick defeat, predicting that Japan would capture key coastal areas and critical infrastructure within just three days, crippling China by dismantling its military and economic lifelines. Following the invasion of North China Chiang was forced to adopt a firmer stance. The Nationalist government proposed a dual strategy of pursuing peace and security while simultaneously preparing for war. If peace proved impossible, China would mobilize its resources for ultimate victory through prolonged conflict. This approach was formalized in the National Defense Plan, which China adopted by prioritizing protracted warfare as its core strategy. After the Sino-Japanese clash in Shanghai on January 28, 1932, the Military Affairs Commission devised a plan that divided China into four defense areas along with a preparation area. While some troops were assigned local security, commanders were directed to concentrate their remaining forces for potential confrontations with Japan. That year, the Military Affairs Commission issued General Defense Guidelines that outlined two strategic responses to a potential Japanese invasion. The first, conservative approach focused on maintaining key positions and utilizing protracted warfare to impede the enemy. The second strategy advocated for decisive battles in key regions to thwart Japan's ambitions and protect China's territorial integrity, prioritizing disengagement from Japanese forces along the Yangtze River and coastline. In August 1935, German military adviser General Alexander von Falkenhausen provided recommendations to Chiang Kai-shek based on his predictions of Japanese advance routes into China. He identified three main routes: one from northern Hebei to Zhengzhou, the second from Shandong toward Xuzhou, and the third crossing the Yangtze River to Nanjing and onwards to Wuhan. He suggested treating the Yangtze River as the primary combat zone and highlighted Sichuan as a possible retreat area. Taking all of this into consideration. in 1936, a draft of a new National Defense Plan divided the country into four zones: a war zone, a defense zone, an internal security zone, and a preparation area. The war zone encompassed ten provinces and established strategies for retreating to predetermined defensive positions when necessary, with Sichuan designated as the main base for the war. In January 1937, the Chinese General Staff Department introduced its annual War Plan, outlining three possible military conflict regions between China and Japan. It proposed two main strategies: Proposal A emphasized sustained combat and retreat to fortified positions if the situation became unfavorable, aiming to eventually go on the offensive against Japan. Proposal B focused on repelling Japanese invasions along the coast and from the north, prioritizing counter offensives against Japanese units stationed near key locations. To prepare, the NRA completed several critical projects outlined in its plans, establishing military supply depots in Nanjing, Bengbu, Xinyang, Huayin, Nanchang, and Wuchang to manage logistics for supplies across various strategic railways. These depots were equipped to sustain the military, with ample ammunition and provisions, including 60 million rounds of small-arms ammunition and food for hundreds of thousands. Despite these preparations, not all projects were completed by the time war broke out in July 1937. In contrast to the Japanese military's tactics, Chinese forces prioritized defensive strategies. For example, at the Mount Lushan Military Officer Training Camp in July 1934, Chiang Kai-shek outlined four possible approaches against Japan, favoring a defense-as-offense strategy. Other options included building fortifications, tenaciously defending key positions, and employing guerrilla warfare through irregular forces to constrain enemy advances. Chiang stressed the importance of national mobilization for the war effort.  There was a significant disparity in equipment between the Japanese and Chinese armies. To give you an idea, each Japanese division included a mechanized group featuring thirty-nine light military vehicles and 21 light armored cars, supplemented by 6,000–7,000 horses, 200–300 automobiles, and specialized troops such as poison gas teams. In contrast, Nationalist divisions lacked any of these capabilities, a typical nationalist division theoretically had an armored regiment, but this unit was equipped with fewer than 72 armored vehicles. Another major weakness of the Nationalist forces was their insufficient artillery. In 1936, a division was officially assigned one artillery battalion, which was divided into three batteries totaling twelve guns. It also included a mechanized cannon company with four direct-fire weapons. By comparison, a Japanese division boasted four infantry regiments and one mountain artillery or field artillery regiment, with each artillery regiment comprising three field artillery battalions and one howitzer battalion. The infantry regiment itself included a mountain artillery section with four mountain guns, while the infantry battalion had one Type 70 mountain gun section with two guns. In total, a Japanese division possessed sixty-four artillery pieces of various calibers, four times the number of a Chinese division and of significantly higher quality. In reality, in 1936, twelve of the twenty elite Chinese “reformed divisions” still lacked artillery battalions. The ordnance available in the “reformed divisions” mostly consisted of the outdated Type 60 mountain gun. Nationwide, very few of the 200 divisions were equipped with any artillery, and those that did often used obsolete field artillery pieces or mountain artillery provided to local forces. Some units even relied on trench mortars as a makeshift solution. The artillery weapons came from various countries, but they frequently lacked necessary observation and signal components, and were often low on ammunition. The majority of mountain guns and field artillery were of the Type 75, which, while capable of providing fire support, had limited range and inflicted minimal damage. To give you an idea of the striking inadequacy of the Chinese artillery, during the Shanghai fighting in 1937, the mountain artillery of the Guangxi 21st Army Group could only reach targets within 1,200 yards, while Japanese field artillery had an effective range of 8,000 yards. Chinese-made mountain artillery suffered due to inferior steel-making technology; the gun shields were constructed from low-quality steel, and the barrels often overheated after firing just a few rounds, increasing the risk of explosions. Additionally, the equipment of local forces varied greatly in quality. In fact, some local units had superior equipment compared to Nationalist units. For example, before the Sino-Japanese War, troops from Yunnan were equipped with French antitank guns and heavy machine guns, which were better than the German water-cooled machine guns used by the Nationalist forces. However, the majority of local troops relied on inferior equipment; the 122nd Division under Wang Mingzhang from Sichuan, noted for its brave defense of Tengxian County during the Xuzhou Battle, was armed with locally produced light and heavy machine guns that frequently malfunctioned, and their Type 79 rifles, also made in Sichuan, were often outdated, with some dating back to the Qing Dynasty. These weapons had limited range and sometimes malfunctioned after fewer than one hundred rounds. Now before the war, both Nationalist and local forces acquired weaponry from diverse foreign and domestic sources. Even domestically produced weapons lacked standardization, with those made in Hanyang and Manchuria differing in design and specifications. Arms manufactured in Germany, France, Russia, Japan, and Italy were similarly inconsistent. Consequently, even within a single unit, the lack of uniformity created significant logistical challenges, undermining combat effectiveness, particularly in the early stages of the war. Despite Nationalist ordnance factories producing over three million rounds of small-arms ammunition daily, the incompatibility of ammunition and weapons diminished the usable quantity of ammunition. Chinese communications infrastructure was inadequate. In the Nationalist army, signal units were integrated into engineering units, leading to low-quality radio communications. In emergencies, telegrams could remain undelivered for days, and orders often had to be dispatched via postal services. By 1937, the entire country boasted only 3,000 military vehicles, necessitating heavy reliance on horses and mules for transport. To effectively equip twenty Nationalist divisions, 10,647 horses and 20,688 mules were needed, but by the end of 1935, only 6,206 horses and 4,351 mules were available. A statistic from 1936 indicated a 5 percent mortality rate among military horses, with some units experiencing a rate as high as 10 percent. The distribution of weaponry led to disputes during army reorganization efforts following the Northern Expedition. Although Chiang Kai-shek's forces were part of the regular army, the quality of their equipment varied significantly. Domestic production of weapons was limited, and imports could not close the gap. Priority was given to small arms; through army reorganization, Chiang aimed to diminish the influence of forces less loyal to him. Nationalist army staff officers observed that troops loyal to Chiang received the best weapons. Northwest and Northeast forces, having cultivated good relations with the KMT, were similarly better equipped, while Shanxi troops received inferior supplies. Troops associated with the Guangxi Clique were given even poorer quality weapons due to their leaders' stronger political ambitions. Troops regarded as “bandit forces,” such as those led by Shi Yousan, Li Hongchang, and Sun Dianying, were naturally assigned the least effective weaponry. This unequal distribution of arms increased some local forces' inclination to align with the KMT while alienating others, which inadvertently led to additional turmoil in the aftermath of the Northern Expedition. Logistical accounting within the Nationalist military was severely lacking. Military expenditures accounted for a significant portion of government spending, roughly 65.48 % in 1937, with personnel costs being the largest component. However, military units prioritized boosting their own resources over accurate accounting. Surpluses were not returned but rather utilized to reward military officers and soldiers for merits in battle, care for the wounded, or to create a reserve. Conversely, if deficits arose, troops would resort to “living off vacancies,” a practice in which they would fail to report desertions promptly and would falsely claim new soldiers had arrived. Military leaders typically appointed their most trusted subordinates to serve as accountants and logistic officers. As the war commenced, these issues became readily apparent. During the Battle of Shanghai in 1937, frontline soldiers sometimes went days without food and went months without pay. Wounded soldiers and civilians had to search tirelessly for medical treatment, and when main forces relocated, they often abandoned grain, ammunition, weapons, and petroleum along the way. General Chen Cheng, the commander in chief during the Battle of Shanghai, noted, “This phenomenon clearly revealed our inability to supply frontline troops, indicating that China remains a backward country with poor management.” Many logistical shortcomings severely impacted troop morale and combat effectiveness. In a 1933 speech, Chiang Kai-shek acknowledged that poor food, inadequate clothing, and ineffective logistics contributed to widespread desertion. Soldiers were further demoralized by reduced or embezzled salaries. A lack of professional medical staff and equipment hampered healthcare efforts, leading to high disease and mortality rates. According to official statistics from 1936, approximately 10 percent of soldiers fell ill annually, with a mortality rate as high as 5 percent. Japanese military authorities reported that one in three wounded Japanese soldiers died, while a Dutch military officer present during the early stages of the Sino-Japanese War observed that one in every two wounded Nationalist soldiers perished. Due to inadequate equipment and limited transport options, Nationalist forces were compelled to recruit farmers and rent vehicles, as they lacked essential facilities such as tents. This reliance on local resources inevitably led to frequent conflicts between military personnel and civilians. China is clearly a vast nation with an extensive coastline, requiring the construction of several significant fortresses during the modern era. These included Wusong, Jiangyin, Zhenjiang, Jiangning, and Wuhan along the Yangtze River, as well as Zhenhai, Humen, and Changzhou along the seacoast. Except for the Wuhan fortress, built in 1929-1930, all other fortifications were established during the late Qing Dynasty and featured uncovered cannon batteries. These fortresses suffered from inadequate maintenance, and many of their components had become outdated and irreplaceable, rendering them militarily negligible. Following the January 1932 Shanghai Incident, the Japanese military destroyed the Wusong forts, leaving the entrance to the Yangtze River completely unfortified. Consequently, there were no defenses along the coastline from Jiangsu to Shandong, allowing the Japanese to land freely. In December 1932, the Military Affairs Commission established a fortress group tasked with constructing fortresses and defensive installations, seeking assistance from German military advisers. After the North China Incident in 1935, the Nationalist government accelerated the construction of defensive structures in line with national war planning, focusing particularly on Nanjing. The Nationalists prioritized building fortifications along the seacoast and the Yellow River, followed by key regions north of the Yellow River. The government also ordered a significant quantity of heavy artillery from Germany. This included several dozen pieces of flat-fire antiaircraft and dual-purpose heavy artillery, which were installed at fortifications in Jiangyin, Zhenjiang, Nanjing, and Wuhan. By the summer of 1937, the construction of nine fortified positions was complete: Nanjing, Zhenjiang, Jiangyin, Ningbo, Humen, Mawei, Xiamen , Nantong, and Lianyungang. In total, China had established 41 forts and equipped them with 273 fortress cannons. Some defensive installations were poorly managed, with many units assigned to their perimeters lacking training and access to proper maps. The barbette positions in the fortresses were not well concealed and could hardly store sufficient ammunition. Troops stationed at these fortresses received little training. Despite these shortcomings, the fortresses and fortifications were not entirely ineffective. They bolstered Chinese positions along the defense line stretching from Cangxian County to Baoding and from Dexian County to Shijiazhuang, as well as in southern Shandong.  Before the war, China's political and economic center was situated along the seacoast and the Yangtze River. As Japanese influence expanded, the Nationalist government was compelled to establish bases in China's inner regions, very similar to how the USSR pulled back its industry further west after Operation barbarossa.The Japanese attack on Shanghai in 1932 prompted the Nationalists to relocate their capital to Luoyang. On March 5, during the Second Plenary Session of the KMT's Fourth Congress, the Western Capital Preparation Committee was formed to plan for the potential relocation of all governmental bodies to Xi'an in the event of full-scale war. In February 1933, the Central Political Conference approved the Northwest Development Bill, and in February 1934, the National Economic Commission set up a northwestern branch to oversee development projects in the region. On October 18, 1934, Chiang Kai-shek traveled to Lanzhou, recording in his diary that “Northwest China has abundant resources. Japan and Russia are poised to bully us. Yet, if we strengthen ourselves and develop northwest China to the fullest extent, we can turn it into a base for China's revival.” Interestingly, it was Sichuan, rather than the northwest, that became China's rear base during the 2nd Sino-Japanese War. In October 1934, the Communist army evacuated its Soviet base in southern China, initiating the Long March that would ultimately end in the northwest. By this time, Chiang Kai-shek had decided to designate Sichuan as the last stronghold for China. In January 1935, the Nanchang Field Headquarters of the Military Affairs Commission, responsible for combatting the Communists and serving as the supreme military and political authority over most provinces along the Yangtze River and central China, dispatched a special advisory group to Chongqing. Following this, the Nationalist army advanced into Sichuan. On February 10, the Nationalists appointed a new provincial government in Sichuan, effectively ending the province's long-standing regionalism. On March 2, Chiang traveled to Chongqing, where he delivered a speech underscoring that “Sichuan should serve as the base for China's revival.” He stated that he was in Sichuan to oversee efforts against the Communist army and to unify the provincial administration.  After the Xinhai revolution, the Republic of China was still suing the Qing Dynasty's conscription system. However, once in power, the Nationalist government sought to establish a national military service program. In 1933, it enacted a military service law, which began implementation in 1936. This law categorized military service into two branches: service in the Nationalist army and in territorial citizen army units. Men aged eighteen to forty-five were expected to serve in the territorial units if they did not enlist in the Nationalist army. The territorial service was structured into three phases: active service lasting two to three years, first reserves for six years, and second reserves until the age of forty-five. The Ministry of Military Affairs divided China into sixty divisional conscription headquarters, initially establishing these headquarters in the six provinces of Jiangsu, Zhejiang, Anhui, Jiangxi, Henan, and Hubei. By December 1936, approximately 50,000 new soldiers had been drafted. The military service law disproportionately favored the middle and upper classes. Government personnel were exempt from enlistment, allowing privileged families to register their children with government agencies. Similarly, students in middle and higher education were excused from service, while youth from poorer backgrounds often felt compelled to enlist due to financial constraints that limited their educational opportunities. Village and town leaders were responsible for executing the recruitment process and frequently conspired with army recruiters. Recruitment principles often favored wealthier families, with guidelines stating that one son should be drafted for every three sons, two for five sons, but no drafts if there was only one son. Wealthy families could secure exemptions for all their male children, while poor families might see their only son conscripted if they were unable to provide the requisite bribe. Town and village heads wielded significant power in recruitment. This new recruitment system also created numerous money-making opportunities. Military personnel assigned to escort draftees to their units would often allow draftees to escape for a fee. Additionally, draftees could monetize their service by agreeing to serve as substitutes for others. For some, being drafted became an occupation. For example, in 1936, 600 individuals were drafted in the Wuhu area of Anhui province, and accounts from regional administrators indicated that every draftee had either been traded, replaced, or seized. Beginning in 1929, the Nationalist government also instituted military training for high school students and older individuals. Students were required to participate in one theoretical class and one practical class each week, totaling three hours. Starting in 1934, students had to complete a three-month military training program before graduating. Graduates of military academies were employed as military instructors. By the end of 1936, over 237,000 high school students had undergone military training. This student military training was overseen by the Society for the Implementation of the Three People's Principles of Sun Yat-sen, which also provided political education and sometimes gathered information on students' political beliefs.  Although the Nationalists made significant efforts to improve the military training of both officers and troops, they inherited deep-seated challenges that they were unable to completely overcome. A lack of facilities, outdated training manuals, low regard for military instructors, and the ongoing influence of regionalism and warlordism hindered progress. The Japanese would also later exploit these shortcomings of the Nationalist army. The Central Military Academy, which evolved from the Whampoa Military Academy established in 1923 in Guangzhou to train officers for the Northern Expedition, became the primary training institution for junior military officers. The academy offered a basic course, lasting eighteen months, which included general education, specialized training in various subjects, and field practice. This was followed by a two-year cadet training program focused on developing the skills necessary for junior military officers. Seventeen classes were admitted before the outbreak of war. Admission to the academy was highly competitive, with military officers receiving attractive salaries. For instance, in 1935, the academy received 10,000 applications for the twelfth class, but only 7% were accepted. Upon graduation, cadets were typically assigned to divisions within the Nationalist army loyal to Chiang Kai-shek. Their training, influenced by German advisors, resulted in a high-quality cadre. In modern China, most sergeants were veterans. While some units provided training for sergeants, a lack of formal education led to their diminished status. Truly qualified sergeants were rare. During his tenure as Minister of Military Training, General Bai Chongxi proposed establishing a sergeant school and creating a professional noncommissioned officer system; however, the Ministry of Military Affairs opposed this on financial grounds. While commanding officers enjoyed rapid promotions, military instructors did not. Furthermore, there was no system for transferring instructors to field commands or assigning commanders to military academies for extended periods. Despite minor updates to cover modern warfare concepts such as tank warfare and machine guns, Qing Dynasty military manuals were still in use at the Central Military Academy at the start of the war. Yeah, 1937 they were still rocking the old Qing books. Following the establishment of the Ministry of Military Training, a bureau for military translation was set up to evaluate existing course materials and translate military manuals, but its contributions were limited. Another significant shortcoming of military instruction focused on theory at the expense of practical application.  To enhance the quality of military officers, the Nationalist army instituted specialized schools for artillery, infantry, transport, engineering, and signals starting in 1931. These institutions were considered to have high-quality administrators and facilities. The Nationalists adopted German military training models, replacing the previously used Japanese models. They appointed German advisors to oversee instructor training at military academies and established three instructional divisions. By the onset of the Sino-Japanese War, 15,000 students had graduated from programs with a German military influence, resulting in the creation of about fifty combat divisions from these instructional units. However, the progress of other Nationalist army units was limited because their training was not aligned with contemporary battlefield realities. Before World War I, troops operated in close formations due to limited firepower. The widespread introduction of machine guns after World War I necessitated a shift to dispersed formations. Although a new drill manual issued by the Ministry of Military Training in 1935 introduced small-group tactics, few units adopted these methods. General Chen Cheng highlighted another underlying issue in 1938, commenting on the outmoded focus on parade ground drills and formal military manners. He noted, “We have paid too much attention to stereotypical formality and procedures of no practical use. Sometimes, even though soldiers could not get a haircut or take a bath for several months, their camps had to be in order. They underwent intensive training in close-order drill but learned little about gun handling, marksmanship, or maneuvering. This was inappropriate in peacetime, yet we continued this practice even after the Sino-Japanese War started, even using it on highly educated youth.” In contrast, the Communist army simplified training, emphasizing two essential skills: live-fire exercises and physical endurance, which significantly enhanced troop effectiveness in the challenging terrain characteristic of the Sino-Japanese War. Ultimately, the Nationalist army's training did not reach all soldiers. Only about half of all combat soldiers received adequate training, while the rest were neglected. According to statistics from the time, there were approximately five million military personnel during the Sino-Japanese War, with three million serving in logistics. Most of these logistics personnel had received little training, leading to disastrous consequences for overall combat effectiveness. As warfare has become more complex, the role of highly trained staff officers has become increasingly important. Napoleon developed operational plans close to the front and communicated orders via courier. During World War I, military commanders collected information at their headquarters and utilized telephones and automobiles to relay orders to the front lines. In World War II, with the battlefield expanding to include land, sea, and air, senior commanders often made decisions from headquarters far from the action, relying on a significant number of staff officers with specialized skills to keep them informed. In China, however, the staff officer system was underdeveloped. By 1937, only about 2,000 commanders and staff officers had received training. Prior to the Sino-Japanese War, most commanders managed staff work themselves, with staff officers serving primarily as military secretaries who drafted orders, reports, and maps. Many staff officers had no formal military training, and as a whole, the branch lacked respect, causing the most talented officers to avoid serving in it. The situation was even more dire for staff officer departments within local forces. For example, in March 1937, Liu Ziqing, a graduate of the Whampoa Military Academy, was appointed as the director of political instruction in the Forty-fourth Army, a unit under Sichuan warlord Liu Xiang. Liu Ziqing's account illustrates the dysfunction within the ranks: “The commander in chief was not supposed to manage the army and even did not know its whereabouts... But he could appoint relatives and former subordinates—who were officials and businessmen as well—to the army. Each month they would receive a small stipend. At headquarters, there was a long table and two rows of chairs. Around ten o'clock in the morning, senior officers signed in to indicate their presence. Those with other business would leave, while the remaining officers sat down to leisurely discuss star actresses, fortune-telling, business projects, mah-jongg, and opium. Occasionally they would touch on national affairs, chat about news articles, or share local gossip. In the afternoons, they primarily played mah-jongg, held banquets, and visited madams. Most mornings, the commander usually presided over these activities, and at first, I reported for duty as well. But I soon realized it was a waste of time and came very rarely. At headquarters, most staff members wore long gowns or Western-style suits, while military uniforms were a rare sight.” Most senior military personnel were trained at the Baoding Military Academy during the early republic. 2/3rds of commanders in chief, 37 %of army commanders, and 20 % of division commanders were Baoding graduates. Higher-ranking officers were more likely to have launched their careers there. In contrast, only 10 % of division commanders and a few army commanders were graduates of the Whampoa Military Academy. Additionally, commanders trained in local military schools and those with combat experience accounted for 1/3rd of all commanders. While the prevalence of civil war provided opportunities for rapid promotion, it also hindered officers' ability to update their training or gain experience in different military branches. German advisors expressed their concerns to Chiang Kai-shek, emphasizing that officers should first serve in junior roles before taking command. During one battle in 1938, Chiang noted, “Our commanders in chief are equivalent only to our enemy's regiment commanders, and our army and division commanders are only as competent as our enemy's battalion and company commanders.” Despite not viewing high-ranking Japanese officers as great strategists, Nationalist officers respected them as highly competent, diligent, and professional commanders who rarely made critical errors. The infantry was the primary component of the Nationalist army, with middle and junior infantry officers constituting over 80 %of all army officers. A 1936 registry of military officers listed 1,105 colonels and 2,159 lieutenant colonels within the infantry, demonstrating a significant outnumbering of Baoding graduates at ranks below lieutenant colonel. However, the quality of middle and junior infantry officers declined during the Sino-Japanese War; by 1944, only 27.3 % of these officers were from formal military academies, while those promoted from the ranks increased to 28.1 %. In 1937, 80 % of officers in an ordinary infantry battalion were military academy graduates, but this percentage dropped to 20 % during the war. Its hard to tell how educated soldiers were before the war, but it is generally believed that most were illiterate. In 1929, sociologist Tao Menghe surveyed 946 soldiers from a Shanxi garrison brigade and found that only 13 percent could compose a letter independently, while the rest had either never learned to read or were unable to write. In contrast, in August 1938, General Feng Yuxiang found that 80 percent of a regiment in Hunan were literate. Regardless, during the Sino-Japanese War, the quality of recruits steadily declined. More than 90 percent of soldiers were illiterate, and few possessed any basic scientific knowledge, which hindered their ability to master their weapons. On the battlefield, they heavily relied on middle and junior officers for guidance.  In autumn 1933, General Hans von Seeckt, the architect of the post World War I German army, visited China at the personal invitation of Chiang Kai-shek. In his recommendations for military reform, he identified China's greatest problem as its excessively large forces drawn from diverse backgrounds. He stated, “At present, the most pressing goal is to... establish a small, well-equipped army with high morale and combat effectiveness to replace the numerous poorly armed and trained forces.” He suggested forming an army of sixty divisions and recommended the establishment of a training regiment for military officers to equip them with the skills needed for modern warfare. Chiang Kai-shek accepted von Seeckt's proposals, and on January 26, 1935, he convened a National Military Reorganization Conference in Nanjing. On March 1, the Army Reorganization Bureau was established in Wuchang, under the leadership of General Chen Cheng. In the same month, General Alexander von Falkenhausen took charge of the German Military Advisors Group. Before war broke out, around nineteen divisions, roughly 300,000 troops received training from German advisors and were equipped with German-style weapons. At the onset of the Sino-Japanese War, the forces stemming from the First Army of the National Revolutionary Army and the Whampoa cadets, who had fought in the Northern Expedition, held the highest reputation and were referred to as the “core central forces” by the Japanese. Other notable forces included the Guangxi Army, Northwestern Army, Northeastern Army, some Uyghur units, the Guangdong Army, and the Shanxi Army. In contrast, provincial forces such as the Yunnan Army and Sichuan Army were viewed less favorably. Nationalist forces were generally far inferior to those of the Japanese enemy. In 1937, General He Yingqin noted that Nationalist forces had failed to prevail in 1932 and 1933, even when outnumbering the Japanese by 4-1.  In November 1937, during a national defense conference, Chiang Kai-shek stated, "In recent years we have worked hard, prepared actively, and achieved national unification. By the time of the Marco Polo Bridge Incident, we were in a better domestic situation and had improved military preparedness compared to before. Since 1935, our strength has doubled. It increased by more than two to three times since January 1932 or September 1931 [when Japan attacked Shanghai and Mukden]. If peace had been achievable, we should have delayed the war for two or three years. Given an additional three years, our defensive capabilities would have been drastically different... Now, if we merely compare the military strength of China and Japan, we are certainly inferior." However, such assessments were overly optimistic, as Chiang failed to recognize that Japan's military capabilities would not have stagnated. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Generalissimo Chiang Kai-Shek certainly was dealt a difficult hand of cards for the upcoming poker match he was to play. Yet the Chinese were resilient and they had to be for the absolute horror that would be inflicted upon them from 1937-1945. Until this point, their enemies had been far more lenient, the Empire of Japan would show no mercy.

Forget tech startups and viral apps—some of the wealthiest entrepreneurs in America are getting rich off carpet removal machines, beer distribution, and car floor mats.   In this episode, Andy break's down the Wall Street Journal's article on the “Stealthy Wealthy” a growing class of business owners quietly building serious wealth through unsexy, traditional industries. These aren't influencers or venture-backed CEOs. They're founders of mid-size regional businesses pulling in millions through operational excellence and boring-but-needed services.   You'll Learn: Why boring businesses are outperforming flashy startups Real-world examples: carpet, car mats, and beer trucks How AI and smart ops are quietly scaling boring businesses   If you're loving the show I'd love to hear your review! Please drop it here in the podcast app. 

“Healthy, Wealthy, Wise” Scripture & Sermon 5/25/2025

It's 1,337 days until the next president, unless someone any% hax0rs a speedrun. In the meantime, we can only hope that midterms are held and the results are legitimate and legal. Thankfully, fascism tends to be self-pruning, and everyone's least favorite South African has thrown in the towel in DC. Other Titles Considered Lesbian Basket Weaving Anxious Racism Strong Russian Men Special Show Links: Trump has wiped Elon Musk's name from Truth Social as GOP insiders admit he's ‘finished, done, gone https://www.independent.co.uk/news/world/americas/us-politics/trump-elon-musk-truth-social-mentions-b2753786.html Bernie Sanders Agrees Democrats Are 'Threat to Democracy' on Podcast https://www.newsweek.com/bernie-sanders-agrees-democrats-are-threat-democracy-podcast-2074336 A check of Trump's false claims about white genocide in South Africa https://www.reuters.com/world/us/trump-makes-false-claims-white-genocide-south-africa-during-ramaphosa-meeting-2025-05-21/ Wealthy foreign crypto investors descend on President Trump's golf club for $148 million meme coin dinner https://www.reuters.com/world/us/trump-draws-global-crypto-investors-with-148-million-meme-coin-dinner-2025-05-22/

Did you know that all of the growth in federal spending as a percentage of the national income is due to the growth of "uncontrollables"? In this interview, we discuss the following: ►What are "uncontrollables"? Why are they 'mandatory'? ►What are entitlements? How are they treated differently than discretionary budget spending? ►What was the Budget Resolution Process that was introduced in the 1970s? ►How did Pres. Cleveland, Roosevelt (FDR), Reagan and Clinton control government budget? ►Which president reduced our entitlement programs the most? ►What was FDR's biggest mistake, the consequences of which still impacts us? ►What are the 3 requirements for reducing the budget deficit? ►How would my guest advise a U.S. president in reducing our budget deficit?

It's time for some upgrades! The party picks out new gear in preparation for their long delve to the core. Will they pick wisely? Jyessi's heart protects her. Original Recipe Vons learns how to make a hole. Steamboat Willie puts on a dance belt. Cool Vons gets ready to be the coolest kind of sneaky. Wealthy chooses the weirdest potion. Grickx is all natural, baby. Check us out online! We're at https://www.primaryattribute.com Our 200th episode is coming up! Want to have your questions answered or comments considered on the show? Drop us a line at letters@primaryattribute.com or use the Send Us A Rat form on our website!

Two Israeli embassy workers have been killed in a shooting in Washington, DC. House lawmakers have been debating President Donald Trump's “big, beautiful bill” all night and a vote is expected soon. Wealthy foreign nationals may soon be able to register for Trump's “gold card” visa. Defense Secretary Pete Hegseth says he'll hold monthly prayer meetings at the Pentagon. Plus, a member of a hip hop band has been charged with a terror offense. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes visionary business strategist Kareen Walsh. With nearly two decades of experience, Kareen is an expert in optimizing performance across various industries, helping C-suite executives and entrepreneurs achieve significant returns on their investments. She shares her journey of becoming an entrepreneurial and business executive coach, emphasizing the importance of sustainable leadership and empowering others. Tune in as Kareen discusses her approach to overcoming fear, avoiding burnout, and turning visionary ideas into tangible results through her business, Revampologist, and the Hey Kareen app. Don't miss this insightful conversation, which offers valuable strategies for leaders seeking to elevate their business success.   Time Stamps:  [00:01:15] Transitioning from corporate to entrepreneurship. [00:05:12] Evolved mindset for business success. [00:09:05] Seven figures revenue strategy. [00:11:26] Embracing change and control. [00:15:32] Leadership qualities for team empowerment. [00:19:33] Onboarding process effectiveness. [00:25:26] Embracing vulnerability in leadership. [00:28:20] Leveraging time for business success. [00:32:55] Busyness versus business ownership. [00:34:10] Role identification for entrepreneurs. [00:40:04] Entrepreneurial challenges app. [00:45:04] Have more fun and be present. [00:45:35] Embracing daily gifts.   More About Kareen Walsh: Kareen Zahr Walsh is a visionary business and people's strategist, author, podcaster, investor, and a 7-figure business-building entrepreneur, making her the ultimate Business Healer. With nearly 2 decades of experience optimizing performance in the health & wellness, eCommerce, technology, and finance industries, running top-performing teams in complex environments, Kareen has a proven track record of helping C-Suite executives turn their vision of impact into action, often resulting in 10Xing their investment. Kareen is on a mission to help you integrate your inner business with your vision for external impact so that you can get out of your own way and stand in alignment. Resources from this Episode: Hey Kareen Website Free Gift For Listeners Kareen Walsh website Kareen on Instagram Kareen on LinkedIn   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

Ever feel tempted to chase sexy investments like Trump coin, crypto, or some “guaranteed” high-return deal?In this episode, I break down why most people lose money trying to get rich quick—and what actually creates long-term wealth.You'll learn how to separate hype from strategy and how to confidently grow your portfolio without needing to bet on the next viral coin or market prediction.Tune in to learn:The difference between trading vs. investing (why most people confuse the two)What actually moves the price of meme coins vs. high-performing assetsA real story about how I lost thousands in hours—and how to avoid itHow to match your portfolio to your risk tolerance (so you can sleep at night)Why “guaranteed high returns” are always a red flag—and how to spot them DM me WMM on FACEBOOK or INSTAGRAMInstagram - https://www.instagram.com/kristenwonch.xox/Facebook - https://www.facebook.com/kristenwonch

How bad is the Big Beautiful Bill? It should be renamed the Big Working Class Theft Bill. It robs the working class' money, gives it to the rich, slashes Medicaid/healthcare, & explodes the deficit.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

In this eye-opening episode of the Cardone Zone, Grant Cardone reads from his groundbreaking new book, "The Wealth Creation Formula,"  and exposes the truth behind the financial system designed to keep you stuck Wake up and stop playing by the rules the financial elites have put in  place for their benefit—not yours. Learn the real difference between  being rich and being wealthy, and why chasing income alone won't ever  lead to true financial freedom. Grant reveals the traps we've been brainwashed into— from saving and budgeting like the middle class to buying liabilities disguised as assets —and gives you a blueprint for building lasting wealth through commitment, discipline, and strategy. Follow @GrantCardone on all social platforms and visit GrantCardone.com  for exclusive content, tools, and techniques to create real wealth and take  massive action toward your goals.

China tariffs are causing big problems right now. Today we talk about the recent developments in U.S.-China trade relations, particularly the temporary pause in tariffs and the broader implications for investor sentiment and economic narratives. The fear over supply chain disruptions quickly faded once tariff discussions resumed—even though actual inventory issues remained unresolved. We also analyzed a new Republican tax bill, highlighting key proposals like eliminating taxes on tips and overtime, allowing deductions for car loan interest, and introducing a “MEGA account” to support education, home buying, and small business loans. We discuss...  Trump temporarily paused tariffs on China for 90 days, reducing tensions and prompting speculation on political motives. Despite ongoing inventory lags, public and media attention has waned following the tariff pause announcement. People often react to headlines and political gestures without examining the actual impact or facts on the ground. Wall Street quickly shifted from fear to optimism despite unresolved issues, illustrating emotional market swings. Consumer sentiment has rapidly reversed from bearish to bullish, reflecting how quickly perception can change. Buffett's principle of being fearful when others are greedy remains relevant in today's sentiment-driven market. The proposed GOP tax bill includes a “No Tax on Tips” provision, widely supported as fair for service workers. A new “MEGA Account” is proposed to help with education, small business loans, and first-time homebuyer costs. The IRS uses audits not primarily to collect money but to scare people into compliance, as stated by an IRS official. Low-income taxpayers are disproportionately audited due to earned income tax credit claims. Wealthy individuals can afford legal support, making IRS audits less impactful for them compared to lower earners. The U.S. housing market is now at its most unaffordable level in recorded history. Mortgage rates are back to their historical average and unlikely to drop meaningfully. The Fed's long-term involvement in mortgage-backed securities has distorted the housing market. Interest rates remain high, and the Fed has yet to significantly cut, raising questions about the rationale for past rate cuts. For more information, visit the show notes at https://moneytreepodcast.com/china-tariffs-are-causing-big-problems-713 

College football is in a downward spiral. Wealthy universities are buying their way to dominance, while teenage athletes sign multi-million-dollar deals, fueling a culture of greed and imbalance. Now, President Trump and legendary coach Nick Saban are stepping in, aiming to bring sanity and integrity back to the game. What will come of this great American tradition?LEARN MORE:Website: https://stephenmansfield.tv/Instagram: https://instagram.com/mansfieldwrites/X: https://twitter.com/MansfieldWrites

Send us a textIn this episode I am talking about how your Plan B is f*cking up your Plan A. What's holding you back from your desired reality is not failure, it's not circumstances it's DOUBT. The biggest killer of dreams. I hope you enjoy this episode, if you do, please leave me a review on Apple to help me grow this podcast and impact more people. As I mentioned, Consciously Wealthy starts again on 5th June and I am SO excited to start. If you are ready to step into your power, decide you want more from life and rewire for wealth you can save your space here ...https://buy.stripe.com/14kdRu6PQgdO1mUfZ4If you would like to know any more details, please DM the word WEALTHY on Insta or email me and I will send you the details empowerstatepodcast@gmail.com Have a fantastic week Love Soph xxx Support the show

Illinois continues to see a troubling trend: a significant population decline, especially among young adults and families. Since April 2020, the state's population under 18 has dropped by 6.1%, outpacing the national decline. Wealthy millennials and young professionals are also leaving, citing difficult public policies. State Representative Dan Swanson is proposing HB1501, a bill targeting one major barrier for young Illinoisans: access to farmland. The legislation would offer tax credits to those selling or renting agricultural assets to beginner farmers. Swanson says soaring land prices—now exceeding $20,000 an acre—make farming unattainable without family inheritance.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3149: Brian Tracy breaks down the five core reasons most people fail to achieve financial independence, from never realizing wealth is possible for them to lacking long-term perspective. He explains how procrastination, poor financial habits, and indecisiveness prevent many from building real wealth, offering actionable mindset shifts for anyone ready to break the cycle. Read along with the original article(s) here: https://www.briantracy.com/blog/general/5-reasons-why-most-dont-become-wealthy/ Quotes to ponder: "If it never occurs to them, then they never take any of the steps necessary to make it a reality." "The primary reason for underachievement and failure is that the great majority of people don't decide to be successful." "If you cannot delay gratification, and discipline yourself to refrain from spending everything you make, you cannot become wealthy." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael invites the professor of Economics and Public Affairs from Princeton University's Department of Economics and School of Public and International Affairs Dr. Owen Zidar, to talk about the "Stealthy Wealthy". Dr. Zidar breaks down the demographic of wealthy Americans who "make their money the boring way". Original air date 20 May 2025.

Say that 3 times fast… Bert and Ernie are moving to Netflix. Moody's downgraded US debt from the highest levels, Wal-Mart tariff fallout, investigations at United Healthcare and Empower adding private investment. Plus your crypto key or a finger, the stealthy wealthy and 7 year car loans.

In this episode of Beyond the Money, Jackie Campbell discusses the critical differences between being rich and being wealthy, emphasizing the importance of mindset and perspective on financial well-being. The conversation explores the current market volatility and offers advice on portfolio rebalancing, highlighting the significance of having a solid financial plan. Jackie also addresses the DIY approach to financial planning, advocating for the benefits of working with a human advisor. The discussion further delves into the psychological aspects of money management, particularly the 'broke mentality' that can hinder financial success, and concludes with the importance of comprehensive financial planning for a secure retirement. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Scoot visits with Bonvenu Bank President and CEO Jason Smith about Justin Bieber, banking trends and much more

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3149: Brian Tracy breaks down the five core reasons most people fail to achieve financial independence, from never realizing wealth is possible for them to lacking long-term perspective. He explains how procrastination, poor financial habits, and indecisiveness prevent many from building real wealth, offering actionable mindset shifts for anyone ready to break the cycle. Read along with the original article(s) here: https://www.briantracy.com/blog/general/5-reasons-why-most-dont-become-wealthy/ Quotes to ponder: "If it never occurs to them, then they never take any of the steps necessary to make it a reality." "The primary reason for underachievement and failure is that the great majority of people don't decide to be successful." "If you cannot delay gratification, and discipline yourself to refrain from spending everything you make, you cannot become wealthy." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Retirement For Living, JoePat Roop discusses the distinction between being rich and being wealthy, emphasizing that true wealth encompasses health, family, and peace of mind rather than just financial assets. He explores the gradual transition into retirement, the importance of customized retirement planning, and the significant role taxes play in retirement expenses. Additionally, he highlights the necessity of planning for long-term care to avoid financial devastation during retirement. For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Welcome to another edition of the Social Proof Podcast! In this episode, we dive deep into the world of natural disaster adjusting with our special guest, Nicholas Ward. Nicholas, hailing from the South Side of Chicago, has built a lucrative career as a natural disasters adjuster, working as an independent contractor with various insurance companies.Subscribe to the Social Proof Podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast...Spotify: https://open.spotify.com/show/6GT6Vgj...

Episode 585: Neal and Toby dive into the latest report from Moody's that downgraded the US credit rating due to increasing debt and budget deficits. Then, a wave of attacks on the crypto-wealthy is sweeping Europe and parts of the US that has forced individuals to hire bodyguards. Also, New Jersey has seen an increasing share of transit fiascos in land, sea, and air recently, but seems like some headway is made with the locomotive engineers' union agreeing to end the strike. Meanwhile, big cities got bigger in 2024 and the WNBA season is back with a bang. Finally, what you need to know in the week ahead.  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note  Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow 00:00 - Joe Biden Cancer Diagnosis 02:40 - Moody's Downgrades US Credit Rating  06:40 - Crypto Criminals  10:20 - NJ Transit Issues  15:20- Winners of the Weekend  21:10 - Week Ahead  Learn more about your ad choices. Visit megaphone.fm/adchoices

Gary and Shannon are reporting the latest news from Washington, D.C., as well as updates from Russia and Ukraine. They discuss of former President Biden's health, noting that he was diagnosed with cancer during his presidency. Congressman Morgan Luttrell is advocating for legislation that would permit the use of psychedelic drugs to treat PTSD in veterans, having recently taken these substances himself for the first time. In other news, the situation surrounding the New Orleans prisoners' escape continues, with four days elapsed since the event, and seven out of ten escapees still at large. Lastly, a new term, "Stealthy Wealthy," has emerged to describe individuals who, despite not being born into money or fame, maintain their wealth through creativity and innovation.

In this episode of the Nine Finger Chronicles podcast, host Dan Johnson speaks with Andrew McKean about his journey from a small-town newspaper editor to a prominent outdoor writer and conservation advocate. They discuss the allure of the American West, the evolution of outdoor magazines, and the current threats to public lands, including proposed legislation that could lead to significant land sales. McKean emphasizes the importance of public land for hunting and conservation, sharing insights on the implications of recent legislative actions. In this conversation, Dan Johnson and Andrew McKean delve into the complexities surrounding public land sales, hunting opportunities, and the implications of budgetary decisions on land management. They discuss the value of public lands, the advocacy surrounding them, and the potential risks of selling these lands. The conversation highlights the importance of multiple uses of public lands, the economic implications for local communities, and the political dynamics at play. They emphasize the need for effective messaging to representatives regarding public land issues and the legislative processes that can impact these lands. Takeaways: Andrew McKean reflects on the joy of rain after a drought in Montana. His family history includes a connection to the Rough Riders and a legacy of moving west. The allure of the West is tied to hunting opportunities and public land access. Transitioning from newspaper work to outdoor writing allowed McKean to combine his passions. The digital age has transformed outdoor magazines, increasing content output but changing storytelling dynamics. Public lands are facing unprecedented threats, with significant land sales proposed in Congress. The proposed land sales include areas in Utah and Nevada, raising concerns about conservation and development. McKean highlights the importance of public input in land management decisions. The mining of public lands raises questions about economic benefits and environmental impacts. The conversation underscores the need for vigilance in protecting public lands. Public lands provide significant hunting opportunities and community benefits. The narrative around public land sales is often complicated and contentious. Budgetary concerns are driving some public land management decisions. The process for selling public lands should involve public input. Multiple uses of public lands should be recognized beyond hunting and fishing. Economic implications of public land sales affect local ranchers and communities. Wealthy individuals may seek to purchase public lands for investment. Political dynamics can influence the future of public land sales. Outdoorsmen in states with limited public lands should care about these issues. Effective messaging to representatives is crucial for public land advocacy. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Nine Finger Chronicles podcast, host Dan Johnson speaks with Andrew McKean about his journey from a small-town newspaper editor to a prominent outdoor writer and conservation advocate. They discuss the allure of the American West, the evolution of outdoor magazines, and the current threats to public lands, including proposed legislation that could lead to significant land sales. McKean emphasizes the importance of public land for hunting and conservation, sharing insights on the implications of recent legislative actions. In this conversation, Dan Johnson and Andrew McKean delve into the complexities surrounding public land sales, hunting opportunities, and the implications of budgetary decisions on land management. They discuss the value of public lands, the advocacy surrounding them, and the potential risks of selling these lands. The conversation highlights the importance of multiple uses of public lands, the economic implications for local communities, and the political dynamics at play. They emphasize the need for effective messaging to representatives regarding public land issues and the legislative processes that can impact these lands. Takeaways: Andrew McKean reflects on the joy of rain after a drought in Montana. His family history includes a connection to the Rough Riders and a legacy of moving west. The allure of the West is tied to hunting opportunities and public land access. Transitioning from newspaper work to outdoor writing allowed McKean to combine his passions. The digital age has transformed outdoor magazines, increasing content output but changing storytelling dynamics. Public lands are facing unprecedented threats, with significant land sales proposed in Congress. The proposed land sales include areas in Utah and Nevada, raising concerns about conservation and development. McKean highlights the importance of public input in land management decisions. The mining of public lands raises questions about economic benefits and environmental impacts. The conversation underscores the need for vigilance in protecting public lands. Public lands provide significant hunting opportunities and community benefits. The narrative around public land sales is often complicated and contentious. Budgetary concerns are driving some public land management decisions. The process for selling public lands should involve public input. Multiple uses of public lands should be recognized beyond hunting and fishing. Economic implications of public land sales affect local ranchers and communities. Wealthy individuals may seek to purchase public lands for investment. Political dynamics can influence the future of public land sales. Outdoorsmen in states with limited public lands should care about these issues. Effective messaging to representatives is crucial for public land advocacy. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Nine Finger Chronicles podcast, host Dan Johnson speaks with Andrew McKean about his journey from a small-town newspaper editor to a prominent outdoor writer and conservation advocate. They discuss the allure of the American West, the evolution of outdoor magazines, and the current threats to public lands, including proposed legislation that could lead to significant land sales. McKean emphasizes the importance of public land for hunting and conservation, sharing insights on the implications of recent legislative actions. In this conversation, Dan Johnson and Andrew McKean delve into the complexities surrounding public land sales, hunting opportunities, and the implications of budgetary decisions on land management. They discuss the value of public lands, the advocacy surrounding them, and the potential risks of selling these lands. The conversation highlights the importance of multiple uses of public lands, the economic implications for local communities, and the political dynamics at play. They emphasize the need for effective messaging to representatives regarding public land issues and the legislative processes that can impact these lands.Takeaways:Andrew McKean reflects on the joy of rain after a drought in Montana.His family history includes a connection to the Rough Riders and a legacy of moving west.The allure of the West is tied to hunting opportunities and public land access.Transitioning from newspaper work to outdoor writing allowed McKean to combine his passions.The digital age has transformed outdoor magazines, increasing content output but changing storytelling dynamics.Public lands are facing unprecedented threats, with significant land sales proposed in Congress.The proposed land sales include areas in Utah and Nevada, raising concerns about conservation and development.McKean highlights the importance of public input in land management decisions.The mining of public lands raises questions about economic benefits and environmental impacts.The conversation underscores the need for vigilance in protecting public lands. Public lands provide significant hunting opportunities and community benefits.The narrative around public land sales is often complicated and contentious.Budgetary concerns are driving some public land management decisions.The process for selling public lands should involve public input.Multiple uses of public lands should be recognized beyond hunting and fishing.Economic implications of public land sales affect local ranchers and communities.Wealthy individuals may seek to purchase public lands for investment.Political dynamics can influence the future of public land sales.Outdoorsmen in states with limited public lands should care about these issues.Effective messaging to representatives is crucial for public land advocacy.

In this episode I break down exactly how to navigate high-stakes negotiations—without needing to be aggressive, loud, or the most experienced person in the room.I'm sharing real client stories, my personal experience negotiating multi-million dollar oil deals, and the overlooked superpowers women bring to the table that make them exceptional negotiators.Tune in to learn:How one client positioned herself for a game-changing merger negotiationThe exact mindset and strategy I use to close multi-million dollar deals in my trading careerWhy women are uniquely equipped to win big in negotiations (and how to leverage it)Tactical questions that build trust and uncover exactly what the other party wantsThe one skill more powerful than experience, connections, or confidence in a negotiation  DM me WMM on FACEBOOK or INSTAGRAMInstagram - https://www.instagram.com/kristenwonch.xox/Facebook - https://www.facebook.com/kristenwonch

Welcome to a new episode of Business Lunch! In this episode, Roland and Ryan break down how different groups exploit the power of AI, emphasizing the contrast between 'one-shot answer' users and those who have interactive conversations with the technology. Drawing insights from thought leaders like Sam Altman and Stanford professors, they discuss the effectiveness of AI when used interactively, exploring how generational and economic divides influence AI utilization. This episode is essential for anyone wanting to maximize their productivity, learning, and business potential through advanced AI practices. Highlights: "The way you use AI says more about your future than your resume." "Delegate and prioritize high-value time versus lower-value time." "Most younger users expect a multi-step interaction with AI." "Wealthy people value their time more and are comfortable delegating to AI." Timestamps:00:00 Introduction: Maximizing AI Effectiveness01:57 The Role of Executive Function in AI Utilization06:06 Statistics on AI Usage Across Generations10:08 Delegation and Time Management with AI18:07 Valuing Time: A Key to Success22:36 The Value of Delegation and Outsourcing24:08 Using AI to Save Time and Effort27:25 Prompt Chaining and Expert Consultation32:37 Ensuring AI Accuracy and Context39:12 AI as a Business Partner40:55 Engaging with AI for Personal Growth41:29 ConclusionCONNECT • Ask Roland a question HERE.RESOURCES:• 7 Steps to Scalable workbook • Get my book, Zero Down, FREETo learn more about Roland Frasier

Retired with millions—but full of regret?In this episode of Root Talks, James and Ari share the real stories no one talks about: wealthy retirees who did everything “right” financially but still feel like they missed out. From sacrificing health and relationships for more savings, to realizing too late that they were planning for someone else's version of success, these lessons are emotional, practical, and essential.What you'll learn:Common regrets wealthy retirees confess after leaving workWhy financial freedom means nothing without health, time, or joyHow to avoid estate planning mistakes that burden your spouse or familyWhy intentional living matters more than chasing a numberSimple, high-impact ways to prepare for retirement nowIf you're building wealth, nearing retirement, or want to live more meaningfully today—this conversation is for youCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they've been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov.

Your approach to money likely stems from the lessons you learned growing up, but the way the wealthy manage their finances is very different. Kris Krohn shares the mindset shifts he had to make to transition from ordinary to truly wealthy. Discover how to break free from the common misconceptions about money and start managing your finances like the wealthy do, setting yourself up for long-term success.

Retired with millions—but full of regret?In this episode of Root Talks, James and Ari share the real stories no one talks about: wealthy retirees who did everything “right” financially but still feel like they missed out. From sacrificing health and relationships for more savings, to realizing too late that they were planning for someone else's version of success, these lessons are emotional, practical, and essential.What you'll learn:Common regrets wealthy retirees confess after leaving workWhy financial freedom means nothing without health, time, or joyHow to avoid estate planning mistakes that burden your spouse or familyWhy intentional living matters more than chasing a numberSimple, high-impact ways to prepare for retirement nowIf you're building wealth, nearing retirement, or want to live more meaningfully today—this conversation is for youCreate Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes TJ Slattery, a seasoned entrepreneur and strategic advisor dedicated to helping small business owners thrive. With over 20 years of experience in small business management, TJ shares insights on how to grow your business while achieving personal and professional freedom sustainably. He reflects on his entrepreneurial journey, which began in his youth with various small ventures, and discusses the importance of leveraging experience and strategic partnerships to propel business success. Tune in for valuable tips and inspiration for aspiring entrepreneurs and small business owners alike!   Time Stamps:  [00:03:25] Strategic leaders vs. reactive operators. [00:03:48] Importance of proactive planning. [00:07:30] Delegating roles in business. [00:12:24] Owner feedback and business growth. [00:15:24] Transitioning from PT to CEO. [00:19:00] Team toxicity and leadership challenges. [00:21:20] System changes and entrepreneurship challenges. [00:27:30] Celebrating personal business wins. [00:28:07] The importance of asking questions. [00:32:07] Take it easier on yourself. More About TJ Slattery: TJ is a lifetime entrepreneur, small business owner, and strategic advisor with an insatiable desire to help other small business owners scale their enterprise and gain freedom in their professional and personal lives. With 20 years operating in the world of small business and entrepreneurship, TJ leverages his boots-on-the-ground experience and tenure as a business advisor to partner with small business owners and propel their business to the next level.   A Denverite with midwestern roots and a passion for music, gardening, house-projects, travel, skiing, and spoiling his dog Bella, TJ has a deep appreciation for keeping a balance between running a successful business and pursuing the things in life that make us happy.  TJ earned his bachelor's degree in Interdisciplinary Business Management from Miami University of Ohio and his MBA from the University of Denver. Gathering more experiences along the way, TJ has worked in multitude of industries. From owning and operating a pedicab service in Vail, CO and a handyman service in Denver, CO, to becoming a partner in a facilities management firm in London, UK and starting Zuni Street Brewing in Denver, CO. Resources from this Episode: Crowsnest Consulting Business Case Studies   Jane Sponsorship Information: Book a one-on-one demo here Front Desk @ Jane Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

These powerful subliminal affirmations are designed to attract abundance and financial prosperity. Play them each night as you sleep! By making daily affirmations a part of your routine, you'll begin to reprogram your subconscious mind and be able to attract profound changes in your life and reshape your beliefs around money, success, happiness, and wealth.Start listening to affirmations every day, it goes straight to your subconscious mind. You will see how quickly it changes your life. Let the frequency of these affirmations go straight to your subliminal mind. Speaker:AI Voice from ElevenLabs Hosted on Acast. See acast.com/privacy for more information.

This hidden bull market is actually lying in plain sight! Find out what it is today as we discuss media fear-mongering, unhelpful propaganda, Bitcoin and gold, and more. The central banks continue accumulating gold, emphasizing its historical role as a long-term store of value, and noting that despite the rise of digital assets like Bitcoin (which the U.S. now holds as a reserve), gold's cultural and material significance remains deeply embedded worldwide. Oh, and we also got a new Pope! We discuss...  A new Pope from the U.S., Pope Leo XIV (formerly Robert Prevost of Chicago), was elected, contradicting Jim Cramer's confident prediction. The Pope had a 1% chance in betting markets, showing how off-market odds can be and how unexpected outcomes can deliver large returns. A widely shared headline warned that Earth will run out of oxygen, but buried in the article was the timeline—1 billion years from now. Climate change is a hard-to-measure issue that's often politically weaponized and based on unprovable long-term models. Propaganda exists across all eras and agendas, including pro-America messages like those in 80s movies such as Top Gun. Spotting propaganda and political messaging can be useful for investors trying to understand broader narratives and their market implications. Governments often downplay crises right before they hit, and historically, such reassurances can be a red flag to start worrying. Recognizing themes in media, like global warming or military conflicts, can help investors anticipate policy moves or market shifts. Nuclear energy is an example of a rational solution ignored for political reasons, illustrating how policy can ignore practical options. Wealthy investors and central banks are buying more gold, reinforcing gold's role as a long-term store of value. Gold continues to be culturally significant and trusted across civilizations, unlike newer assets like Bitcoin. The U.S. government has decided to hold confiscated Bitcoin as a reserve asset, further legitimizing it in financial circles. There's growing speculation that Bitcoin could evolve into a reserve asset for central banks, similar to gold. Banks have transitioned from resisting Bitcoin to finding ways to monetize it, suggesting institutional acceptance is rising. Gold has significantly outpaced wage growth since 2000, reinforcing its strength as a store of value amid stagnant real income. Crypto has displaced silver as the inflation-hedge asset of choice among younger investors, hurting silver's narrative. Long-term tailwinds for silver include green tech applications like solar panels and EVs, which could reignite demand. Gold and silver miners have underperformed despite rising bullion prices, with some major miners currently unprofitable. Mining companies face structural inefficiencies, making many poor business models despite gold's rise. Institutional caution, reflected in moves by figures like Warren Buffett, indicates potential market hesitancy despite retail optimism.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/hidden-bull-market-711 

Are you tired of paying too much in taxes? In this episode, we reveal 17 powerful tax strategies the wealthy use to save money — and how you can use them too! From hiring your kids and cutting your business taxes to saving on healthcare and even renting your home to your business, we break it all down in simple, clear steps. You'll learn how smart tax moves can help you keep more of your money, grow your wealth, and plan for a strong future. Whether you're a business owner, freelancer, or investor, this episode is packed with tips you can start using today. Get ready to think differently about taxes — and discover how the tax code can work for you, not against you!   Next Steps:

On this episode of The Table with Anthony ONeal, we're sharing the brutally honest truth about what it really takes to become wealthy. Financial freedom sounds great, but the journey isn't easy or quick. We'll break down the true cost of building wealth, including the sacrifices, mindset shifts, and intentional actions required to reach your goals. It's time to stop dreaming and start doing.. this is your wake-up call!Mentioned On Today's Show:**This video is kindly sponsored by Ethos!**

In this episode, Todd Toback reveals the hidden financial habits that separate wealthy real estate wholesalers from those who stay stuck in the hustle. Learn why your balance sheet is more important than your income statement, the first financial hire every wholesaler needs to make, and how to manage your cash reserves for long-term stability. Todd also shares practical tips on handling credit card debt and the right time to move profits into your personal account. If you want lasting wealth—not just big checks—this episode is a must-listen.---------Show notes:(0:51) Beginning of today's episode(1:11) What are balance sheets? (2:39) Get a bookkeeper (you need it)(3:55) How much money should you have on hand?(6:35) If you get to above 100k, put half of that in your personal bank account(7:41) Get rid of all recurring credit card debt----------Resources:To 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?

Colleges use advanced data tracking to fine-tune scholarship offers based on what they think you'll pay and to make you feel good about your price. Ben and Nathan explain how firms analyze digital behavior, like email click speed, to calculate offers. Wealthy students get merit aid, lower-income students get need-based aid, but both often pay the same price. The result is personalized pricing that favors schools. Later, they cover Yale Law Dean Heather Gerken's push to ditch rankings and focus on need-based aid. Ben suggests two fixes for law schools: eliminate student loans and scrap ABA requirements. The episode also covers the Perkins Coie ruling, another round of the Personal Statement Gong Show, and Tips from a Departing Demon. Study with our Free PlanDownload our iOS appWatch Episode 506 on YouTubeRegister for Parents' Night Vol. 30:30 – Law Schools Know What You'll PayBen and Nathan cover a NYTimes article that reveals how schools set tuition prices and financial aid. Law schools work with data firms that track every digital move, including email clicks, to determine how much you're willing to pay. They then personalize your financial aid offer accordingly. Out-of-state students are targeted with high sticker prices and bigger discounts, which still net higher profits for schools. Merit aid and need-based aid are distributed strategically so that students from different income levels often pay the same amount. This model lets law schools charge each student a different price, while making them all feel like they got a deal. Applying early signals price sensitivity and can help you get a better offer.EAB Sales Presentation32:07 – Abandon RankingsHeather Gerken, the Dean of Yale Law School, calls for moving away from law school rankings. Despite talk of supporting need-based aid, schools still spend ten times more on merit-based scholarships. The Trump administration's past proposal to cut loans for schools with high default rates could help stop these  “scammerships.” Ben argues that two reforms are key: end federal student loans and overhaul ABA accreditation requirements. But without new incentives, the tragedy of the commons suggests schools will keep playing the rankings game.57:28 – Big Law vs. Trump: Perkins DecisionIn a follow-up to the discussion on Episode 505, Ben and Nathan break down a new court ruling that found Trump's executive order, which attempted to penalize Perkins Coie, is unconstitutional. 59:43 – Personal Statement Gong ShowGabriella steps into the spotlight as the latest contestant in the Personal Statement Gong Show. Ben and Nathan read her personal statement and hit the gong the moment something goes wrong. The standing record to beat is ten lines, held by Greta.1:12:10 – Tips from a Departing DemonSam encourages students to follow the Demon's core advice: slow down, understand what you are reading, and solve each question. 1:16:15 – Index CalculationsThe Demon Scholarship Calculator is an estimate built on data from previous years. The proven way to go to law school for free is to improve your LSAT and keep your GPA high.1:18:54 - Word of the Week - Blithely“The government blithely describes the statements set out in Section 1 of EO 14230 as 'not seriously contested' and 'matters of public record.' This description is inaccurate.”