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Unity isn't just a buzzword. It's the foundation for business growth and community impact. In this episode of Building Texas Business, I sit down with Jeff Williams, president of Graham Associates, to talk about how bringing people together drives both engineering success and civic transformation. Working with his firm who design iconic Texas projects including AT&T Stadium and Southlake Town Square, and during his three terms as Arlington mayor, he demonstrats how unity principles scale from boardroom to city hall. Jeff shares his approach to bridging generational divides through Friday "High Five" meetings that transformed skeptical baby boomers and millennials into collaborative teammates. His engineering firm rebuilt their office culture post-COVID by creating collaboration spaces and displaying core values throughout their workspace, showing employees they're not just designing roads but contributing to state-of-the-art hospitals. When people understand their larger purpose, engagement naturally follows. His upcoming book "The Unity Blueprint" captures lessons from leading Arlington through the pandemic faster than any other U.S. city, according to NYU research, and emphasizes that modern leadership requires teaching over commanding, with trust and value as non-negotiables for today's workforce. Success comes from transforming "my plan" into "our plan" through genuine input and buy-in, whether you're managing engineers or running a city. This conversation reveals how Texas businesses thrive by embracing partnerships over politics, with Jeff's $8 million citywide rideshare solution versus $50 million per mile for light rail proving that innovation beats tradition when unity guides decisions. SHOW HIGHLIGHTS Discover how weekly "High Five" meetings turned skeptical senior engineers into collaboration champions, bridging baby boomers and millennials Jeff details how Arlington saved millions by implementing $8 million annual autonomous rideshare instead of $50 million per mile light rail Learn why being the first U.S. city to run autonomous shuttles attracted Uber, Lyft, and Via to compete for Arlington's contract Hear how post-COVID office renovations with collaboration spaces and visible core values brought remote workers back to rebuild culture Jeff shares how a devastating referendum loss taught him that expertise means nothing if political consultants silence your voice Understand why the Medal of Honor Museum chose Arlington over Washington D.C.—Texas builds in years what takes decades elsewhere LINKSShow Notes Previous Episodes About BoyarMiller About Graham Associates GUESTS Jeff WilliamsAbout Jeff TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Chris: In this episode, you'll meet Jeff Williams, CEO of Graham Associates and former mayor of Arlington, Texas. Jeff stresses the power of creating unity within a company to foster a strong culture and how training and developing your people it's critical to success. Jeff, I want to thank you for taking the time and welcome to Building Texas Business. It's great to be here. Jeff: Chris, it's always great to talk about Texas and especially business. Chris: Yes. So let's start with just introducing yourself and tell us what it is you do. What's your company known for? Jeff: Well, I own a civil engineering firm and we build communities. We design public infrastructure, highways, roads, utilities, but we also do sports facilities, churches, schools there. We've done a lot of different things. Some of our projects you might recognize in at and t Stadium, we were the civil engineers for it. And yes, we did work with the Jones family and we also also know Chris: Is Jerry World, right? Jeff: Absolutely. And it was an exciting project to work on and then it's amazing how well it's aged and still the top special event center here in the country. But then we've had South Lake Town Square, which was kind of the granddaddy of all of the town centers that's here and a really special place. Nebraska Furniture Mark. We got to work for Warren Buffett there and doing his grand scape development here in the Metroplex. But then we've also, we have Prestonwood Baptist Church, which one of the largest churches in the Southwest. So rewarding to be able to do that. And then we've got Westlake Academy, actually Westlake, Texas. We actually got to start from scratch there. It was a town that we got in on the very beginning. They had one subdivision and now they've got Fidelity's headquarters. Schwab is there, Deloitte, and then Viro, one of the most upscale developments in the state of Texas. So those are some of the fun projects that we've gotten to do. I think it's very rewarding. Chris: Yeah, no, I mean it sounds not just fun but impactful and kind of be able to look around and see how you've changed the landscape of your community, Jeff: Chris. That is so, so true. There's nothing better than to be able to take your family and friends to be able to show them what you've done, but even more importantly, to actually be at one of your projects and see people coming together and families enjoying a special place that we created. And of course that moves to unity and that's one of the things that I have grown to value more than anything else is bringing people together to make a difference. That's great. Well, Chris: We have the benefit here at Warrior Miller represent a lot of very successful real estate developers. And so I think I know our real estate team feels the same way is right working with the client to bring projects like that together and being able to, the benefit of doing the legal work for that and just see to go by years later and go, we worked on that project or that park or that building or that community center is really rewarding stuff. Jeff: Really is the mission of our company is to be an integral partner in building communities. Chris: I like that. So let's talk a little, I mean, what was the inspiration? Obviously you're engineer I guess by education, but what's been the inspiration for you to stay in this industry and build the company that you've Jeff: Built? Well, we just hit it. I feel like it's such an important part of being able to build these communities for people to live, work and play in. And then that actually led me to being actually recruited to run for mayor here in Arlington and to serve there. I served three terms as mayor. That's very unusual for engineers to move into that. I didn't realize it until after I was elected and there aren't many engineers that do that. But however, as an engineer, we have designed public infrastructure. We have to sell our projects to the citizens so many times we also understand schedules and budgets and being able to work through that. And so it really was a great fit for me there, although it's very challenging and people go, well, why would you do that? Well, the reason we'd do it, it's rewarding. It's the most rewarding job I've ever had. But it also is the hardest because you're working with so many different people. But it really increased my awareness that the last thing we need to be doing is to be having dissension and conflict all the time. Instead, we need to be bringing people together to make a difference and actually work on projects that can actually, people can get behind and have passion and discover their purpose. And then of course, the results of that have been actually to forge friendships. Chris: So I guess, how have you taken some of those lessons and lessons along the way and incorporated them into the company at Graham Associates to kind of build the team there? Jeff: Well, as I came out of serving as mayor, I ended my last term in 2021. We'd come out of the pandemic. There still were the lingering effects of it. People wanted to work from home. So however, in our business, in so many businesses, teamwork is a big part of what we need. Chris: Absolutely. Jeff: I read everything I could get ahold of because we are at the beginning of a technology revolution, but we also have societal changes that happen every few months or perhaps even sometimes monthly. So I needed to understand the young people, but also needed to figure out how to create an atmosphere to where our people wanted to be. So literally our offices, we redid everything in the way of so that we could be a very inviting place that our employees could be proud of, but also that our clients would want to come because those face-to-face meetings are still important. And then part of that impact too was that we try to create special places for collaboration and we have several collaboration rooms there. And so that was a key. But also in our Collins areas, we wanted to be uplifting. So in our kitchens we have those stocked, but we also put up positive phrases there that really epitomize our core values and we have our core values that our employees actually fed into. They're displayed everywhere. But then I ran into a roadblock because our older engineers said, Hey, why are we doing all of this? And then we started in on doing a Friday staff meeting where everyone came together and we call it our high five meeting, an opportunity for us to encourage each other and to be able to share some of the stories that happened that week. And man, my older engineer said, man, that's a whole hour of billable time that we could be having. And they didn't like it at all for the first couple of months. And then magic started happening. They started getting to know each other better. And so I had millennials getting along with the older baby boomers, they're an understanding each other and now they all look forward to it. And we do soft skill training and IT team building there also. But it is a time that we all look forward to and it built that camaraderie because we need teamwork and it helps to get them there. And so then I still allow my people to work one day a week at all. But then our project managers actually make the decision on how much more if someone wants to work from home more because it depends on the project and what we've got going, but yet our team understands now that they've got to be able to build those relationships. Well, I like what you pointed Chris: Out there is it's not a one size fits all game. You got to be flexible and listen. And I think as leaders, if you can communicate that so that your employees understand that they'll understand when you can't be as flexible as maybe they would like because the circumstances don't warrant that. But then when you can, you allow it, Jeff: Chris. That is so true, and you've got to value people and be able to listen to them. No longer can a manager when they ask you, why are we doing something? Because you can't say because I said so. Chris: No, Jeff: It's Chris: Because it's the way we've always done it. Jeff: Oh yes, that's another great line. That is a dinosaur that can't act more. But it's actually exciting to be able to share with our people why we're doing things and to be able to understand the big picture of that, Hey, this isn't that You're just designing a roadway to a hospital. You are contributing to the overall wellbeing of actually being a part of the team that constructs a state-of-the-art hospital that, Chris: Well, I think the other thing you've discovered, we see it here. It was certainly part of our culture before COVID and it's become an important part post COVID to regain connection. And that's getting people together in community, in the office, lunches, happy hours, breakfast, whatever, because then you use the word magic started to happen. I think that's right, that as we gain connection with our coworkers, that helps with retention, it helps with collaboration because we get to know each other a little better. Especially important I think not just in a post COVID world, but in the multi-generational office that we're dealing with. Right? Four and five generations in one office together don't necessarily see things eye to eye, but if you get to know somebody, you can break those barriers. Jeff: That's right. And that leads to something else that I've discovered. Even if you're an introvert and you think you don't need other people, it is amazing because God made us to live in community. And when you're coming together and aligning people with a purpose and you are working together, suddenly those barriers get broken down. And it doesn't matter the age difference, the color of your skin, all of those differences disappear because you're working together to make a difference. And suddenly, again, I'll mention you end up with friendships that are forged. In fact, if you think about it, probably your best friends are the ones that you worked on a project with. It might be for school, for church or in your work. And certainly it's awesome to be able to forge great friendships at your workplace. Chris: I love it. We haven't used the word really much, but it sounds like you're defining the culture that you're trying to build and nurture there. How would you describe the culture and anything else other than these kind of high five meetings and such that you're doing to try to help nurture the culture? Jeff: Well, I think the other part to round it out is that we have got to be focused on teaching and training. I think the culture has really got to be a teaching atmosphere. People don't respond to that type A manager that is forceful and raises their voice and all of that. It's more they've got to see that you value them, each one of these employees do. But then also it's not just in how you truth them. You need to take action in teaching and training them and show them how they are going to be able to help themselves and help the team overall by learning. And then of course, we also have to create that accountability because we aren't professional teachers. In fact, no matter what business we're in, most of us are not professional teachers. So we need our employees to be willing to ask questions and to be willing to be vulnerable, say, I really don't understand this. I need help on this. And that's where it's got to be a two-way street, but yet you cannot. You got to really foster that culture where they are willing to ask questions and to let you know that they don't know it there. But then we have the ability to focus in on what do they not understand and be able to get that training to help fill in that hole. Chris: Yeah, that's so important. So true. Let's just talk a little bit about technology and innovation. What are some of the things that you see and that you've tried to incorporate there from an innovative way of doing your work or how technology's changing the trends of how you go about your work? Jeff: Well, Chris, this is one of my favorite topics, and of course no surprise with me being an engineer, but we are really at the beginning of a technology revolution. In fact, I'll never forget, a few years ago I heard the head of IBM technology that was actually out of Belgium, and he said exactly that We are at the beginning of a technology revolution like the world has never seen, and we are going to see more change than we have ever experienced. Well, there is a little bit of a problem because most people don't like change. And yet we have got to be willing to adapt to that. And I challenge our engineers throughout when I'm speaking to engineering groups. So you guys have got to take the lead in that we, engineers are typically very conservative. They find a great way to do something or they want to stick with it. But however, because of new technology, we've got to be researching that technology. We've got to be looking to see what technology is good, what is not. We even need to be helping in the regulation of it. And so consequently, I'll say this, we have got to be researching AI and software that is coming out constantly. I have two people dedicated to that. Larger firms probably have whole departments that are dedicated because we have an opportunity to be able to do things better faster, but we've got to be able to be competitive. I don't want to wake up one day and all my competitors are being able to do things 30% cheaper than I can and beating my price point and actually able to serve the clients better. And I do equate it to when computers really came online in the eighties, we were all worried about, well, are we going to have a job? Oh, well. And then others would say, well, we're only going to work three days a week now because of computers. No, we saw ourselves become more productive and we will become more productive with AI and other technologies, but also even with the technology being able to incorporate how you use it. I'll give you an example of that. When I was serving as mayor, we were the first city in America to run an autonomous shuttle, a driverless shuttle there on a public streets. And it was amazing at work that we were all scared of it, but we actually challenged our city staff to be looking at new technologies that we could use to be able for transportation. And we said, Hey, let's open up our city as a laboratory. And so consequently, our staff came up with the idea that we really could have Uber and Lyft type process and actually have driverless shuttles that are seven passenger vans that could be going out throughout our city in a very cost effective way. That'd be much cheaper than high speed rail or light rail there. Of course, high speed rail is still a ways off. But anyway, long story short, we went out and did an RFQ, Uber, Lyft and a accompanied by the name of Via all proposed on it. And we ended up being the first city in America to implement technology rideshare and then added the autonomous vehicle to it. And now cities across America are doing that. And instead of paying 50 million a mile for light rail, we are end up calling actually covering our whole city 99 square miles for $8 million a year. It's an amazing thing and very cost effective. Everybody's business. We've got to look at how can we do things different and more cost effective utilizing the technology. Chris: Let's talk about a corollary to that. What are some of the trends you're seeing in your industry that we should be prepared for and maybe how is being based in Texas influencing those trends? Jeff: Well, it's growth, Chris. The growth is a big change in our business there because in growth is so big and so consequently the biggest resource we need or people, it's not, we can all buy our software, we can all buy our computers, but it's really about people. Every business I talk to, it's all about finding those people and then yet we've got to be willing to train them up there. And of course, really when you're hiring experienced people, many times that's just a stop gap because they don't quite fit what you need. So I think the big change that we're seeing trend that businesses are needing to train their workforce up and do that as fast as you can because we need more people to be able to fill those positions. So again, we've got to become teachers, we've got to be able to be efficient. And then I still think one of the biggest challenges in business and really in fact in America is that we have so much dissension. People have a tough time getting along with each other. Arguments come up and then suddenly that cancel culture comes and there's no forgiveness. It's I'm done with you. And that is a poison for business there. And none of us as managers want to spend all our time in conflict resolution. So to that, right? Chris: One of the things I talk about a lot is that if we can remember to give grace in the business world, we do have a personal life a lot, but for some reason we get into, then we think we switch and put the corporate hat on or business hat on and we kind of forget that. I think that is an important aspect to remember, to your point, it helps diffuse conflict. We're imperfect human beings. And so learning to have accountability but also with a touch of grace can help resolve conflict, avoid conflict mitigated in the workplace. Jeff: That's so true. Chris. I had an interesting thing happen along these same lines as New York University actually studied Arlington when I was mayor, and they got attracted initially that we had become the sports capital of the nation, but yet they looked at how we did things. And I needed help as a mayor, so I sought out people. I needed experts, I needed people that would work. I needed input from our citizens. And so we ended up working together to accomplish a lot of things. We had to work to keep the Texas Rangers here in town. There were a lot of other cities that wanted to move them out of our community. We also had not been bringing in jobs there. And in 2014, the year before I came in, the big headlines read that the DFW Metropolitan area had created more jobs in any other metropolitan area in the country, and Arlington was not doing that. And so we had to jumpstart that economy and then yet I needed to unite our leaders and we did that. And throughout the pandemic and so forth, New York University studied us and they believed we came out of the pandemic quicker than any other city in America, both physically and economically. And so they encouraged me to write a book on Unity and how you did it. And they also then took it a step further and they went to Forbes and I ended up signing a book contract with Forbes and were releasing the Unity Blueprint on September the ninth. That really is that plan. Therefore being able to bring people together in both your personal life, your life, and then even our civic involvement and so forth there. And that has been a big change for me really since I came into office. I always valued people, but now getting it, taking it to the next step of unity because how much time is wasted there when your employees are fighting with each other or arguing and then it's a lasting effect. They never work together as well. And so working and creating that culture and actually adding forgiveness to your core value I think is a very important thing. But then also getting people to adopt character values themselves, to have a foundation that they can work with. And when you see people working to be a person of character, there can be forgiveness, but there's not much room for forgiveness when it's constantly on the other person. It's a tough deal. Right. Well, Chris: I didn't realize about the book. That sounds, I'm excited to see it and read it, and I don't know if there's anything that kind of comes out of that as a tidbit that you might be able to share with us now the listeners about maybe obviously the lessons you've learned along the way, kind of that something that you've incorporated into your kind of leadership style that has helped foster unity within the organizations you've run. Jeff: Always amazed when a person gets appointed president of his company or gets elected to a position and many times they don't have a plan. And then in addition to that, if they do have a plan, many times they didn't get any input on it. They literally concocted a plan of their own versus the opportunity for you to work on a vision and a plan after you have researched it, and then you take it to your employees and get feedback from them. And suddenly that plan transforms from your plan to our plan. And it's amazing when you get that buy-in, how it can really work together, and you're not having to sell your plan all the time. They're doing it for you, and it makes all the difference. I'm very excited about being able to move out there around the country and pushing towards unity as a matter of fact, and our book has already reached the number one new release by Amazon. They're in both business and Christian leadership, so I'm pumped about that. That's awesome. Congratulations. But we're not perfect people. We all need the space, but if you're employees can see that you're working towards it, if your fellow employees can see you are working towards being that person of character and wanting to do it. Now, we landed in the middle of honor museum here in Arlington there. We were in a 20 city competition for that, and it's probably one of the greatest things I've ever been involved in. We had a six month journey there and competing against the other cities and it was a national museum. And you go, well, why didn't they go to Washington dc? Well, the reason they didn't is going to take 20 years to get it built. And we in Texas here, can get things built quick, can't we? Right. You've got great contractors, architects, engineers to make that happen. And real estate people, Chris real estate people, government. Chris: That wants to get stuff done, right? That's right. Yeah. Rather than being an impediment to getting stuff done. Jeff: Well, the middle of honor museum or the Medal of Honor recipients that were leading that recognize that very thing, they also saw that we are the center of patriotism and we can get things done. We have a track record do it. Chris: I had there's, we could do a whole episode I think just on that museum. I had the privilege, Texas Capital Bank did a little Texas tour and they hosted something here in Houston that I was invited to all about the museum, what it is, how it came about. Very unique, very special, very proud that it's going to be in Texas and hopefully more people will take time to get to know what this is all about and then go visit it once it opens. Jeff: Well, the thing that surprised me is when I actually visited with these Living Medal of Honor recipients, and each one of them has pledged to spend the rest of their life making more of a difference there. And what they're doing is they are pushing character values, integrity, sacrifice, courage, commitment, citizenship and patriotism. Well, that's what all of us need. And currently the state board of education here in Texas has adopted a two week curriculum that our students will study in school and then they'll be able to take a field trip to the museum or a virtual field trip. And I think that's gotten everybody excited that that is happening. And then of course, it's not just the youth, our adults too. So there are adult programs that are going on, but it had me reassess my core values. It had me to, I really wanted to reassess my character values and so forth. And in business it always starts with you got to do what you say you're going to do. But then I had an interesting thing happen and I pretty well knew the answer when I asked it, but I was speaking to 20 Chick-fil-A managers, and of course Chick-fil-A is number one in service, aren't they? Chris: Right? Jeff: I asked them, I said, guys, what are you looking for and you're leader? And they immediately spoke up and they said, we are looking for a leader that we can trust, and then we're looking for a leader that values us. I think that's where it starts for us then in Texas. We know that we get that right and we believe in partnerships and collaboration, and I think that separates us from so many other places in the country. Chris: So kind of tagging on with leadership, lots of theories and about how to become a leader, how to grow as a leader. I think you hit it on the nail on the head when you said you got to be a man of your word or a person of your word. Do what you say you're going to do when you say you're going to do it. It's kind of a foundational element, but I know from my own personal experience and talking to others, we learn a lot as leaders from mistakes we've made. And I'm just curious to know if you could share one of those rather than a mistake. I call it a learning moment where it didn't go as planned, but you learned from that and from that it actually probably accelerated your leadership skills because of it. Jeff: Yes, no doubt about it. That's very easy for me to say because one of the biggest disappointments I had in my career is we had worked on a Johnson Creek Greenway here in Arlington. It was a nine mile creek beautiful creek, and we also were going to be doing a river walk in the entertainment district around those stadiums and so forth. And we had done all the preliminary planning there. It got through the core of engineers, and we also had held major charettes. We were winning awards from all over the country. I was actually traveling and speaking on that. I had an incredible partner with me, a guy by the name of Jim Richards. I loved working with our team and I thought, this is what I'm going to be doing the next 10 years. But however, the city had to pass a sales tax selection to fund the project, and they hired a political consultant that came in and said, Hey, I think you guys ought to attach an arts referendum on this. The Johnson Creek project is so popular, the Riverwalk will go, let's attach that to it. And then there was one other thing that came in that was so unique, and that was that some of our people had actually gotten a agreement with Smithsonian to build a branch museum on this Johnson Creek river wall. And so they put that on the agenda there for an election, but the political consultants said, we don't want anybody doing anything. They said, we do not want Jeff Williams and my other partner going out and speaking, what if you make a mistake and you say the wrong thing or you stir people up? And then they also did not really realize that our refer referendum was very popular. We lost that election by a few hundred loaves. It was one of the most devastating things. And it's taken 20 years. A lot of it's been And it changed my whole career there because I had to study why did this happen? How did it happen? And I said, I have got to learn about how to handle sales tax and bond elections. And so I studied hard and in fact, I learned a lot on the Cowboys sales tax election because we had that coming up a few years after that. And we were prepared when we got into the Cowboys sales tax election. And I ran several school and city bond elections after that. There's times when you have to learn more and to be able to take control. And little did I know that it's going to prepare me for serving as mayor later on too. But I'll never forget, in 2008, we had a recession and y'all may recall that. And we had a bond program going on for public works and parks, and I was not mayor then of just engineer. And we were in trouble because if we didn't get these road projects through, and actually some of these parts projects, we had buildings that were in badly needed repair wreck centers, so forth, we had to again, engage more people and raise more money. And we went ahead with that sales tax or I should say bond program, and we were able to get it passed in the midst of that. And again, I think unity and learning about knowledge there played a huge pull. I'm a big researcher. I love to, and there are so many books out there, but also generally we never come up. We think that we come up with some creative idea that no one has ever done well, especially in business. Somebody has done it. Find them, find and you can learn from their mistakes and hopefully not make your own, but also learn from their successes. But great question, Chris. Chris: Yeah, no, you're so right. I mean, I tell people never stop learning. Be curious. We learn from our mistakes. We can learn from others and we can learn from our successes because sometimes we're successful despite ourselves or despite the plan. Lots of people will tell you it's good to be lucky every now and again. So sometimes that happens. But if you take the time to learn the why behind the success or the failure you will have learning and then that learning you will grow from Jeff: You just spur the thought that I think is so important as you are a success as you grow in your success in business. There, the ego definitely comes up. And then we all know that we've got to be careful and be humble, but I want to create a definition for humbleness because so many times when we hear humble, it goes, oh, well, you need to be modest. You never to don't need to show that confidence and so forth are really, I think the important thing about humbleness is that you need to realize that you are vulnerable and that we need other people. And you can't do it alone and you don't need to do it alone because you'll not really succeed as well. So as a leader, you walk along a cliff every day and we need people to be able to keep us from falling off. And I think you've got to continue to remember that every step of the way and there's always somebody that has a better idea. Let's go find it. Chris: Yeah, that's great. Jeff, this has been a great conversation. Just love your insights and your input. Can't wait to see the book. Unity. I want to turn just a little before we wrap up, is there a favorite spot in Texas that enjoy visiting or just kind of think about when are not doing all the engineering work and planning communities? Jeff: I love Texas. There are so many rural areas and cities, but I've got to share with you about three quick ones right here. One, Arlington, Texas has become the destination between Orlando and Vegas. And it is amazing how you can come now to the metroplex and you can see all kinds of events that are taking place there in our stadiums. And it may not be sporting, it may be concerts, it may be wrestling, who knows what it may be there going on. But then also we have the premier park in the state of Texas, I believe in River Legacy Parks, 1300 acres on the Trinity River bottoms and all of the tree growth and everything is still there. Amazing place with a world-class nature center there in it. But then you can go to Fort Worth and experience the Texas experience, the Stockyards, and then the world-class museum. And so we do staycations here because we don't want to take advantage of that. But then I'll hit two others real quick. Lubbock, Texas, I know you're going to go what in the world? Check out that restaurant scene and check out the music scene that is out there. And then Tex always got things going on, but of course we love Austin, San Antonio there in particular, Fredericksburg, east Texas and Tyler is awesome, but we have found a great beach in Port Aransas, har cinnamon chores for sure. We love it Chris: A lot to offer, right? Big state. A lot to offer. We accommodate all types and tastes. Right. Well that's one of the things I love about the state of Texas is if you can kind of find anything that any interest you have, we can satisfied. Jeff: That's right. That's Chris: Maybe not snow skiing. We hadn't figured that one out yet. But other than that, I think we got you covered. Jeff: Yeah, that's right. And of course Colorado's worried Texans are going to take over Colorado. We do head up there to do our skiing Chris: For sure. Okay, last question. Do you prefer Tex-Mex or barbecue? Jeff: Oh my goodness. I hate to make this choice, but I've got to talk barbecue. We have a really neat story here in Arlington with Harto Barbecue. This was a guy that was a backyard barbecue or Brandon, he's Texas monthly now has him in the top 50. But it was really neat. We had the first neutral World Series here in Arlington. You remember during the pandemic they picked us to in the LA Dodgers in Tampa came to town. The LA Dodgers found the small little barbecue spot of Hertado here in downtown Arlington and it went viral. They put it on social media. Everybody found Brandon Hertado, including Taylor Sheridan and Taylor Sheridan with Ellison started having him out to his parties and now he signed an agreement with four six's ranch that Taylor owns to supply the beef. And he's now got several restaurants. It's just a really neat story. And how many times is it so fun for us in Texas to discover that next new barbecue spot? Got 'em all over the place. It's awesome. That is a cool Chris: Story. I've not heard of that, but now I'm going to have to go try some, so love it. Well, Jeff, this has been great. I really appreciate you taking the time, love your story and just congratulations for all the success you've had, and I know you'll continue to that into the future. Jeff: Thank you, Chris, and look forward to continuing this relationship. And thank you for what you're doing here on the podcast. Chris: Absolutely. Jeff: And remember, let's build Unity and the Unity blueprint. Special Guest: Jeff Williams.

Brian Skrobonja talks about the five habits billionaires live by, habits you can use to create your own financial freedom. Tune in to hear the benefits of having ruthless focus, how frugality with purpose can actually give you more freedom, and why you need to start looking at your life in decades instead of paychecks. Expect to hear practical ideas you can start right away, like trying a 30-day luxury swap, creating a simple “not-to-do” list, and carving out time each week to invest in your own growth. These habits aren't about making more money. They're about making smarter decisions with the money you already have. Brian starts by explaining the habits billionaires live by, habits you can use to build your own financial freedom without ever needing their billions. Habit #1 – Relentless Focus. Brian reveals why focus beats chasing every opportunity. When you treat your biggest financial decisions as limited, you naturally filter out the noise. Billionaires like Warren Buffett, built their fortunes not by jumping on every hot IPO, but by concentrating on businesses they deeply understood, like Coca-Cola, American Express, and Apple, and letting those few bets compound for decades. Habit #2 – Frugality with a Purpose. Learn how to spend with intention instead of deprivation. When most people hear “frugality,” they think of avoiding fun and living on less. But the kind of frugality billionaires practice is built on ensuring money serves a purpose instead of wasting it away. Learn how trimming just one recurring expense and redirecting it into savings, investments, or even a passion project can completely shift your financial future. Try Brian's 30-day luxury swap challenge: Pick one expense that's nice, but not essential, maybe a subscription or upgrade you don't really need. Cut it for a month, and redirect that money toward your retirement account, debt payoff, or travel fund. Habit #3 – Long-Term Vision. Brian emphasizes that one of the most dangerous habits with money, and in life, is thinking too small and too short-term. Most people plan only until the next paycheck, vacation, or bill. But billionaires stretch their thinking into decades, sometimes even generations. Learn how to apply Jeff Bezos' “Day One” mindset and how it can help keep you hungry, curious, and willing to make bold moves for the long game. Brian shares how you can apply this principle to your own finances and career, so that you're not just reacting to what's in front of you, but building something designed to last. Habit #4 – Investing in Knowledge. Brian shares why billionaires obsess over learning: They treat knowledge like an asset that compounds faster than money. The goal of reading and studying isn't to become a walking encyclopedia, it's to build a mental toolkit that helps you spot opportunities, make sharper decisions, and avoid costly mistakes. Habit #5 – What Billionaires Don't Do. Learn the power of ruthless elimination: Billionaires don't have more hours than the rest of us, the difference is what they choose to ignore. Brian explains that billionaire success comes from cutting out distractions, declining projects that don't align with their goals, and saying “no” to almost everything that doesn't matter. How to create your “Not-To-Do List”: Brian challenges you to write down three things you'll ignore for the next 30 days. Maybe it's obsessively checking your portfolio, doomscrolling the news, or saying yes to commitments that drain your energy. According to Brian, billionaires are successful because they know what to work on, what to ignore, and they build habits that compound for decades. The good news is you don't need a billion dollars to build these habits.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: Lesson 1 – Relentless Focus https://www.fool.com/investing/general/2004/05/05/warren-buffett-and-his-20-punches.aspx https://www.investopedia.com/articles/stocks/08/buffett-style.asp?utm_source=chatgpt.com https://fortune.com/2023/11/20/elon-musk-10-laws-of-management/ https://www.forbes.com/profile/charles-koch/?utm_source=chatgpt.com Lesson 2 – Frugality with Purpose https://www.forbes.com/sites/michaeldominguez/2018/02/20/the-frugal-habits-of-the-ikea-founder-that-built-a-40-billion-company/ https://www.businessinsider.com/how-warren-buffett-spends-money-net-worth?utm_source=chatgpt.com https://www.marketwatch.com/story/warren-buffett-reveals-how-much-he-spends-on-breakfast-2017-05-08?utm_source=chatgpt.com https://finance.yahoo.com/news/multi-billionaire-still-calls-cable-165400872.html Lesson 3 – Long-Term Vision https://www.aboutamazon.com/news/company-news/amazons-original-1997-letter-to-shareholders https://www.forbes.com/sites/quora/2017/04/21/what-is-jeff-bezos-day-1-philosophy/ https://www.gatesnotes.com/?utm_source=chatgpt.com https://www.investopedia.com/articles/markets/102215/how-microsoft-makes-money.asp?utm_source=chatgpt.com https://www.forbes.com/profile/sheldon-adelson/?utm_source=chatgpt.com https://www.reviewjournal.com/business/casinos-gaming/sheldon-adelson-las-vegas-sands-vision/ Lesson 4 – Investing in Knowledge https://fs.blog/warren-buffett-reading/?utm_source=chatgpt.com https://www.cnbc.com/2017/12/27/warren-buffett-once-offered-up-his-best-investing-advice.html?utm_source=chatgpt.com https://www.wsj.com/articles/SB10001424052748704904604576333424745445360?utm_source=chatgpt.com https://law.stanford.edu/2014/02/24/peter-thiel-on-start-ups-and-innovation/?utm_source=chatgpt.com Lesson 5 – What Billionaires Ignore https://www.businessinsider.com/warren-buffett-investing-advice-2017-2?utm_source=chatgpt.com https://www.forbes.com/profile/charles-koch/?utm_source=chatgpt.com https://www.inc.com/business-insider/michael-bloomberg-success-lessons.html?utm_source=chatgpt.com     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC.

Recorded: September 08, 2025 Taylor Lewan and Will Compton are BACK and kicking the NFL season off with a banger guest, Ndamukong Suh! In this week's intro Will and Taylor talk about their trip to ESPN HQ and going on Get Up last week. They then introduce our new #TierTalk segment that is viewer comment driven (make sure to submit questions below in comments or on Twitter using the hashtag). Then it’s time for a legendary guest—Ndamukong Suh finally making his way onto the bus. Suh opens up about life after football, his transition into becoming a business mogul, and the weekly routines that keep him sharp. He reflects on his college football days at the University of Nebraska, what it was like playing with Will, and the unique journey that brought him to Lincoln in the first place. Suh also talks about being drafted by the Detroit Lions, the fallout that led to him leaving, and what really happened during his Miami Dolphins stint. From breaking down the challenges of being his own agent to explaining why he might be the most misunderstood NFL player of all time, Suh leaves no stone unturned. He shares stories about his relationship with Warren Buffett & The Boys even float a potential Bussin x Suh partnership—so you know things get interesting. This one is packed with laughs, insight, and legendary storytelling. Suh’s reputation precedes him, but on the bus he gets to set the record straight. Big Hugs & Tiny Kisses TIMESTAMP CHAPTERS 0:00 Intro3:18 Bussin' Scheduling 5:46 Crawford vs Canelo8:09 Who Is The Greatest Coach Of All Time18:27 First ESPN Appearance20:34 The Bussin' Fantasy League26:10 Will Would Get A Ring If Nebraska Wins A Natty28:34 #TierTalk47:46 NDAMUKONG SUH INTERVIEW STARTS48:15 Finally Got Him On49:42 He’s Always Been A Big Boy51:32 How Is Retired Life?53:30 Becoming A Business Mogul1:00:59 Weekly Routine1:05:30 Playing With Will At Nebraska 1:12:22 Relationship With Nebraska Now1:13:50 Journey To Nebraska 1:16:12 Was He Offered Any Money At Nebraska?1:23:43 Getting Drafted By The Lions + Eventually Getting “Kicked Out” Of Detroit1:39:43 What Happened In Miami?1:42:14 Being His Own Agent 1:47:27 Most Misunderstood NFL Player Of All Time?1:51:29 Nobody Messed With Suh At Nebraska1:55:28 Relationship With Warren Buffett 1:57:15 Biggest Price You’ve Paid For A Breakthrough? 2:01:38 Bud Light: What Would You Do Anything For?2:03:21 Bussin X Suh Partnership?? 2:05:07 Would You Change Anything About Your Career?See omnystudio.com/listener for privacy information.

Victoria and Brooke are always swapping notes on the shares and ETFs they’re watching... so we thought, why not let you in on the chat? This isn’t a “go out and buy” list. It’s the inside scoop on how they think about investing, what’s caught their eye, why it’s on the radar, and what has to happen before they’d actually jump in. It's the kind of financial gossip we live for, and it’s your chance to get pervy about what’s living rent-free in their investing brains right now.In this ep you’ll hear:

In this episode of the Idaho Business Podcast, Spencer unpacks the timeless principle of under-promising and over-delivering. From car detailers and roofers to bankers and janitorial companies, too many businesses fall into the trap of overpromising results—and losing trust when reality doesn't measure up. Spencer shares real-world stories (including one costly lesson of his own) and insights from leaders like Warren Buffett, Jeff Bezos, Patrick Bet-David, and Ed Mylett on how proper expectation-setting creates long-term loyalty, higher customer satisfaction, and stronger business relationships. If you want customers who stick around for years—not months—this episode is a must-listen.   If you are feeling the love, make sure to subscribe, rate, and review on iTunes, Spotify, YouTube, or wherever you are!! If you'd like to be featured on an episode go to theidahobusinesspodcast.com to APPLY! Apple Podcasts Spotify YouTube

God is constantly working behind the scenes—guiding you toward the right opportunities and protecting you from the wrong ones. When He opens a door, no one can shut it. But here's the key: you must have the courage to walk through it.// If you're looking for exactly what it takes to succeed as an executive, then you're in the right place!So much of it comes down to becoming excellent at communication.In fact, Warren Buffet famously said,  “You can improve your value by 50% by learning communication skills or public speaking.”That's why Harrison and his wife, Eileen, created Speaking School™, so you can leverage effective communication to get anything you want from life.   For more, go to https://www.speakingschool.com/?el=hw-show https://www.speakingschool.com/?el=hw-show and grab the Elite Business Success Toolkit for free just for trying out our Speaking School™ membership. 

What does Warren Buffett’s $344 billion cash stash mean for your retirement strategy? On this episode of Retire Texas Style Podcast, Steve Hoyl & Derrek Caldwell of Hoyl Financial Group unpack the risks of market exposure, the power of fixed index annuities, and how to turn required minimum distributions (RMDs) into legacy-building tools. From real client stories to tax-saving strategies, they explore how retirees can diversify smartly, support family goals, and avoid costly mistakes. Whether you're planning for college funds or navigating Social Security, this episode offers grounded insights for securing your financial future. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

When Warren Buffett makes a move, investors take notice. He just poured nearly $1 billion into homebuilders Lennar and D.R. Horton—despite a sluggish housing market. In this episode, Ron Phillips breaks down Buffett's bet, why real estate fundamentals still point upward, and what most people get wrong about interest rates and mortgages. If you're waiting on the sidelines or already investing, this episode shows why Buffett's strategy matters for you. WHAT YOU'LL LEARN FROM THIS EPISODE   Reasons why Warren Buffett invested heavily in Lennar and D.R. Horton despite a sluggish housing market How long-term supply and demand dynamics make residential real estate a solid bet The critical role of land banking in positioning builders for rapid growth Why Fed rate cuts and mortgage rates aren't the same thing and why waiting for the Fed may be a mistake What Buffett's strategy signals for investors who are debating whether to act now or hold cash RESOURCES MENTIONED IN THIS EPISODE DR Horton Lennar  Jerome Powell CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter  

In this episode of the Real Estate Rundown, Owen, Ted, and guest Andy Corey pull back the curtain on what it's really like to speak at a big real estate event for the first time—and why saying yes to uncomfortable opportunities can blow your business wide open.Andy shares the chaos leading up to his REIA Mastery Series keynote, the panic, the prep (or lack of it), and the aftermath—including how it led to hundreds of new doors under management. The guys also dive into:The psychology behind public speaking and imposter syndromeScaling a property management company without drowningWhat makes coaching actually work (and when it doesn't)Mentors vs. Coaches vs. ConnectorsRoad rage with Warren Buffett (no, really)This episode is the behind-the-scenes of a speaker before the stage—while teasing what's coming next week with the official REIA Mastery Series recording drop.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/RESimpli - https://resimpli.com/omahareia/Timber Creek Virtual - https://timbercreekvirtual.com/services/...

Do you feel like your life is just too busy and you do not have enough time for all you need to do?He will show you how to make every moment count, just like the most successful people in the world do.The truth is—you have no less and no more time in your day than Elon Musk, Warren Buffet, The President of the United States, Taylor Swift, and Simon Cowell.How do they get so much done in their day while you struggle? They live differently because they learned to use time differently. Sure, they are rich, and they do not waste their money. But they are also rich in time because they learned not to waste it either.They learned what you will learn in this episode. How to use the unused moments in life.We tend to live as if we all have an infinite amount of time. But the truth is we all have a finite number of years, days, hours and moments and we never know when they will run out. When a moment passes unused, unproductive, and unfruitful—you never get it back.You cannot make time. You cannot save time. You cannot kill time. You cannot buy time. But you can redeem time. You can use it—or you can lose it.He is the author of 30 Seconds That Can Change Your Life: Learning to Use the Unused Moments of Life.https://www.amazon.com/Seconds-That-Change-Your-Life/dp/0982260733http://www.yourlotandparcel.org

In the true spirit of The Unlimited Podcast, this episode in our “lessons with legends” series focuses on the importance of investing in your passions with Canadian entrepreneur, Miles Nadal. Brian and Miles discuss his journey of success, Warren Buffett's investing secret, and his biggest life lessons.Miles is a Canadian-born entrepreneur, philanthropist, and world-renowned collector whose inspiring journey began with humble roots in Toronto. He is the founder of Peerage Capital, a leading North American private investment firm with a diverse portfolio spanning real estate, wealth management, and self-storage. Peerage Capital's affiliated brands include prestigious names like Sotheby's International Realty Canada, Century 21, Chestnut Park, Echelon Wealth Partners, and Ourboro, among others.Beyond his success in business, Miles is known for living life with passion and purpose. His famous “Dare to Dream” collection—featuring rare and exotic cars, along with one of the world's most impressive sneaker collections—was recently auctioned for charity, reflecting his deep commitment to giving back.A dedicated philanthropist, Miles has made transformational contributions to countless institutions in education, healthcare, and community development. His achievements have earned him accolades including Canada's Top 40 Under 40 and Ernst & Young's Entrepreneur of the Year Award, along with many others.One message consistently emerges in any research on Miles Nadal: “Invest in Passion.” It's a guiding principle he brings to every aspect of his life—from business ventures to personal pursuits and philanthropic impact.Timestamps0:00 Disclaimer & Intro3:44 Miles' upbringing in Toronto8:11 Seeing opportunity at an early age10:02 Taking a start up to a public company15:05 What is Peerage?27:22 Principles of finding partners30:55 The Dare to Dream collection38:12 Miles' lessons from great people43:01 Miles' thoughts on Trump's tariffs48:23 How is Miles using AI?50:55 What advice would Miles give to his younger self?56:41 Outro

Send us a textAlex Rodriguez is not only one of the greatest players in Major League Baseball history, 22 seasons, 14 All-Star selections, and three American League MVP award, but also the founder and CEO of A-Rod Corp. Through A-Rod Corp, he has built a diversified platform across three pillars: sports, real estate, and venture capital. His portfolio spans ownership of the Minnesota Timberwolves and Lynx, more than $2 billion invested in multifamily and other real estate, and over 60 venture investments in technology, fitness, media, and consumer brands.In this episode, Rodriguez explains how his interest in investing began at a young age, shaped by both his upbringing and the hard data he studied about professional baseball careers. Growing up in a single-parent household, he watched his mother juggle two jobs to make ends meet, which instilled in him both a fear of financial insecurity and a drive to build long-term stability. He breaks down how he approaches each asset class, from viewing team ownership as a long-duration, low-leverage asset, to focusing on levered cash flows in real estate, to applying his “VCP” filter, Vision, Capital, People, for venture investments. He also shares the story of setting the then-record $252 million contract with the Texas Rangers in 2001 and how Warren Buffett personally insured the final years of that deal.Finally he  talks about the importance of investing early and often, lessons he instilled in his daughters when they were in elementary school, and why it's so important to invest early and often. It's a conversation that connects the mindset of an elite athlete with the discipline of a savvy investor.For a 14 day FREE Trial of Macabacus, click HERE For 20% off Deleteme, use the code TWSS or click the link HERE! Sign up for our LIVE Virtual Bootcamps! 2-Day Financial Modeling Bootcamp Master the technical Excel and accounting skills essential for investment banking, private equity, and fundamental investing. (Learn more HERE) Global Markets & Investing PlaybookA one-day crash course on the financial ecosystem, perfect for anyone seeking a big-picture understanding of how global markets and Wall Street fit together. Our content is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, or other advice. (Learn more HERE)

¡Emprendeduros! En este episodio Rodrigo nos da una actualización de mercado donde habla del estatus del mercado, de la pausa a los aranceles y del mercado de empleos Nos da los reportes de ingresos de Campbell's Asana, Salesforce y American Eagle. Después habla de la victoria de Google, la separacion de los conglomerados y las Ofertas Iniciales en puerta. ¡Síguenos en Instagram! Alejandro: https://www.instagram.com/salomondrin Rodrigo: https://www.instagram.com/rodnavarro Emprendeduros: https://www.instagram.com/losemprendeduros

Title: The Unconventional Investor: Why Following the Crowd is Costing You Millions With M.C. Laubscher Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley welcomes back MC Lobster, a cashflow investor and entrepreneur. They discuss the importance of diversification in income streams, exploring various investment vehicles beyond traditional methods. MC shares insights from his journey from South Africa to the U.S., emphasizing the opportunities available for those willing to take action. The conversation covers innovative cashflow niches, including agriculture, energy, life settlements, and music royalties, as well as strategies for achieving financial freedom. MC highlights the mindset necessary for successful investing and the importance of accountability in personal and financial growth. Links to watch and subscribe: https://www.youtube.com/watch?v=II3UR8G3eWU Bullet Point Highlights: Mikkel Thorpe helps people relocate overseas and navigate tax issues. The expat lifestyle offers freedom and adventure beyond traditional living. Second residencies provide legal rights to live and work in another country. Tax benefits for U.S. citizens living abroad include the foreign earned income exclusion. Investing in real estate can provide both residency benefits and financial returns. Personal responsibility is crucial for achieving financial independence. Mikkel emphasizes the importance of emotional support during relocation. Countries like Panama offer favorable tax situations for expats. Understanding the legal obligations of living abroad is essential for compliance. Exploring different cultures can lead to personal growth and new opportunities. Transcript: Seth Bradley (00:10.572) What's going on y'all. Welcome back to a new episode of the Passive Income Attorney Podcast. Of course, your favorite place for learning about the world of alternative passive investing so that you can have more freedom, flexibility, and fun. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com and download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate deals, which we'd love to have you on board for.   to help you on your journey to financial freedom. All right, today, let's talk about diversification in a particular way though. Let's talk about the different ways that you can make money. There are so many different ways. Unfortunately, for most of us, we have it in our heads that there's only one way. For my attorneys out there, well,   We just do our attorney thing and that's how we get paid. We have one stream of income, one active stream. Maybe we save for retirement through a 401k or we buy some stocks and bonds or play around on Robinhood or something like that. But we don't think about all the other ways that we can make money. If you've listened to my show before, I've had so many attorneys on here that have leveraged their knowledge, their background, their experience, their education as an attorney.   to catapult them in other aspects of life, in other avenues of business so that they can create multiple streams of income, whether that's through starting a side business, a side hustle, which eventually might become their full-time hustle or investing in real estate, both passively and or actively. There are so many different ways to make money, but there's more ways than just the things that we've talked about so far. There are so many different ways and there's no magic pill.   Right now we talk about syndications a lot on this show, but it's not a magic pill. I'm not preaching to you and telling you if you don't invest in a syndication or invest in syndications, then you're not going to become wealthy or that investing in real estate is the only way to become wealthy. It's not, it's a tried and proven way to become wealthy. And it's my favorite way and a lot of my guests favorite way, but it's not the only way.   Seth Bradley (02:30.814) And our guest today, MC Lobster, who is no stranger to this show. He's been on here before. He's actually our first repeat guest. but I love chatting with him. He's such a great guy. So knowledgeable. he is a true expert at this idea of diversification across so many different types of income that you can create for yourself. And he's on here on the show today, especially to talk about his new book, the 21 best cashflow niches, where we'll   jump into what some of those are. Some of these things you've probably never even heard about. We'll talk about life insurance contracts. We'll talk about agriculture, energy, of course, real estate and all of those things. But inside you, you'll get some new ideas about things that you never even thought you could invest in. MC Lobster is a cashflow investor and a serial entrepreneur. He's the creator and host of the top rated business and investing podcast, the cashflow Ninja.   which has been downloaded over 3 million times in over 180 countries. He's also the president and CEO of Producers Wealth, a virtual wealth creation firm that assists investors and business owners to set up and implement infinite banking. All right, without further ado, the one, the only MC Lobster, let's go. This is the Passive Income Attorney Podcast.   where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley. MC Lobster, what's going on, brother? Welcome to the show.   Great to be back. Great to connect. Looking forward to our conversation.   Seth Bradley (04:25.71) Absolutely, man. You are my first repeat guest. So you have that honor. Awesome, man. Well, for our listeners that haven't heard you on the first episode, maybe just give a quick rundown of a little bit about your background and who you are and, you know, where you come from and all that kind of stuff,   Definitely honored.   M.C Laubscher (04:46.542) Yeah, originally from South Africa, came to the US in 2001 and just blown away with the opportunity in this in this country. I mean, there's literally no place with the upward mobility like the US. You can literally start here with absolutely nothing, which is what I did. Basically a backpack, a suitcase, five hundred bucks, sense of humor, sense of adventure. And I'm an entrepreneur investor. I've started several companies.   failed at a lot of them, they had a lot of success in some of them. I've been an investor since 2001 in real estate. And I have a couple of companies, people know me for the Cash Loan Ninja, which is a podcast that I started six years ago, which has turned into a full blown financial education company. We have podcasts, tools, resources, programs, and now books. And then also,   know, I have a company called Producers Wealth. We help folks all across the United States. In 49 states, set up infinite banking, a cashflow management strategy utilizing an insurance product. And then I also have a company where we do a lot of syndications in the resort and multifamily space called Producers Capital Partners. But I love cashflow. I love talking about cashflow, creating it.   positioning it efficiently and managing it and then multiplying it. So everything cashflow gets me excited.   Is that all you got going on, man?   M.C Laubscher (06:20.8) You know, throw throw throw a family that's very active and love to do stuff in there. I've got a beautiful wife and two young kids to all one for an off and three boy and a girl. So you can just imagine the energy there. So a full time job almost by itself, right?   That's   All right. Yeah. So many hours in the day, man. I don't know how you do it. I know how you do it. I love what you said about upward mobility, man. And I think we take that for granted in the US. So how is that different in other countries for us? don't even think about that sort of thing.   Yeah, so I grew up in South Africa and then I was fortunate enough, I traveled to a number of African countries and then I also traveled to a number of European countries, Latin American countries and Asian countries. And I don't think people realize, like if you're born in the United States, you literally won a lottery ticket. I it's I don't know how else to say it. When I got here, I looked at this and I'm like, wait a second. So there's not really like you could, mean,   You just bring your game, you start where you're at and the sky's the limit where, you know, it's very tough in certain countries. Let's just use Africa as an example, you know, in South Africa, the lack of infrastructure, supportive infrastructure for somebody starting there and maybe folks from other countries can relate like in Brazil is probably the same, a of Latin American countries that don't have the same infrastructure that's in the States. So let's just say you are,   M.C Laubscher (07:53.614) you're born on the lowest economic rung. That happens to folks, right? If you're born in the United States, well, you still have access to stuff. You could go to a library, jump on a computer, learn skills, there's public schools. When you're born in a shanty town in South Africa or in a favela in Brazil, you don't have the same access. And also when you come here, literally,   I mean, you look at all the rags to reach the stories and, funnily enough, a lot of it is immigrants. You see it, a lot of immigrants rise to the top because most of them, whether they're from Africa, the Middle East, Eastern European countries, Latin America, that's kind of what they experienced too. And I've had conversations with them too where they're like, man, you could do anything you want to here. There's nothing holding you back.   and the sky is limit. It's not even the limit. You could go to space if you want like Elon. no, it's an incredible place. It still is. We live in an incredible time in the US is an incredible country, where, you know, it's all what you make of it, and all how you approach it, right?   Yeah, for sure. mean, it's kind of like, the access to information, the access to technology, the access to education. I know that's kind of a, you know, we fight about that all the time, but we have access to those things up to a certain point for free. Whereas other places do not have that access to information, technology, education. And that in itself gives you power. Knowledge is power. It's not just a saying.   Yeah, think think about the time that we live in. Who is it? Who is in Star Trek? Was it like Buck Rogers or Captain Kirk? Was Captain Kirk the guy? So, I mean, I still remember and we had very little TV. I grew up inside everywhere. We had like two TV channels, but one of them had like Star Trek episodes on. And I still remember like he would press a button and talk to someone on the telly on like a like a television screen.   M.C Laubscher (10:01.082) and I always saw, man, that's, that's, it's so cool. They're not even the same galaxy at that stage, but they're talking to one another. I like they're in the same room. We have access to that. And for most part, it's free. We have like access to star Trek technology in the time that we live in for base, for, most, for the most part, it's free. So you have a smartphone and.   you have some service or an internet connection, you're good to go. yeah, and again, the technology, which, you know, it's the frenemy. It's your friend and it's the enemy. It's a frenemy. But for the most part, if you approach it right and utilize it right, now a lot of the opportunities, when I came here in about 2001,   It was just around the internet kind of boom. So most people didn't really know what was happening there yet, but now everybody's in it. and all over the world. So a lot of the opportunity that only existed in the U.S. then too, are now available in other areas for folks to start online businesses and that kind of stuff globally. You know, to bring it back with Africa, I see on my last visit, and it's been a while ago, but I just remember seeing folks walking around with smartphones and that's all they transected bank.   They do everything on their smartphones. They have SIM cards and they buy like airtime. And I'm like, man, what you could do with a smartphone these days. It's quite incredible. So it's starting to open up in other places. yeah, you know, it's quite, we live in remarkable times and sometimes I don't think we appreciate it because we're so used to it. It's like, man, why is my internet taking so long to get on? I'm like, does anybody remember dial-up?   You know, it's like. Yeah, it will dial up, man. It's like, yeah, if we click on a link on our phone or click on a link on our computer and it takes more than like, you know, a snap, we're just like, what is going on? This is ridiculous. I can't get anything done. like, well, what did you get done when you didn't have that?   M.C Laubscher (12:09.986) Yeah. Yeah. Yeah. As like I said, before I came to the States, I remember we had dial up and I would add to download emails. So you would start at dial up and you would basically hit start for your emails to download and you would go and grab a cup of coffee and do whatever you have to do. And like 20, 30 minutes later, your emails would have been downloaded. That's so now it's, it's like this and everything moves quicker, right? So you can, you can disrupt slow, archaic,   markets in any asset class really, really quickly with technology and boy, there's some dinosaurs, especially in the markets that we were operating, real estate being one of them. And I'm in insurance too, mean, both very, very big dinosaurs that's ready for disruption.   Yeah. Yeah. So let's talk about some of those things that you invest in. know you're pretty famous for infinite banking and also in commercial real estate. mean, what are some of the things that, are some of the best vehicles to invest in that you're seeing today and how has that maybe changed recently? I, and I asked that because there's a lot of people out there, you know, they'll listen to one podcast, right? And it'll just be like, you have to do this. If you don't do this one thing, if you don't take this one magic pill,   You're never going to be able to retire, achieve financial freedom, but we all know that that's not true. Hopefully we all know that, but what are, what are some of the investment vehicles that you love and why?   Yeah, I love what you just said. It's the maximalist approach, right? It's because I made my money in single family real estate that that's the only way to do it or multifamily or so. And that's why my show is to just get as many different ideas in business and real estate and commodities, paper assets. We covered crypto and blockchain since 2016, as I thought was was pretty exciting then. Now it's like out of control. But   M.C Laubscher (14:07.562) Actually, this ties into one of the reasons why I wrote my latest book, because most people would say, MC, you've interviewed like the best minds of business and investing and all these different opinions on your show, which was very funny in the beginning because we're so used to echo chambers. You know, I didn't want an echo chamber. So I would have someone on, for example, that hates Bitcoin. And then was someone on that loves it. And that's the only thing. And people are like, I don't understand. I'm like, yeah, you have to you're both sides of the argument.   and then to make a decision. But yeah, I wrote the 21 base cashflow niches, the book where I share, you know, the top 21 that's been shared on my show and I threw in five bonus ones there, but you know, as a marketer, 26 doesn't set as well as 21, right? It's funny how psychology works. Seven's good, 10, 20, 21. And then you gotta go to 50, I guess, or 100 off to that, right?   But anyway, 21 is what I used for the name of the book. Yeah, I mean, there's incredible niches that I don't think people think about. When you invest too, you know, this is just what I've done and I just share what I do. I eat my own cooking without throwing up. But what I initially did when I built the cashflow portfolio is I was very clear on what I was trying to accomplish with each investment. So what do I mean by that? So some investments you're going to buy,   that's going to be tax favorable, right? A little bit of light on the cash flow maybe, good on appreciation or a little bit light there, but really good on taxes. Then there's certain investments that's very strong on cash flow, okay on the taxes and good on appreciation. And then there's some that's purely on appreciation, okay on taxes and okay on cash flow, but it's really driven by the appreciation. And then there's some that   that's really good on all three. Knocks out a ton of taxes, great cash flow and appreciation like real estate is one of those assets that does that. So you have to be very clear when you build out a portfolio and I would advise just this is what I'm doing in the time that we're living in today that you have diversified income streams within a cashflow portfolio because we're living, mean, again, during times of great change   M.C Laubscher (16:29.25) There's going to be disruption. There's going to be chaos. You don't want to be in one. You don't want to put all of your eggs just in one basket. And that's you know, that's the horse that's going to win you the Kentucky Derby. You got to have a stable of horses and have many access to many different income streams. So what are some of the what are some of the coolest ones that I've seen? There are some some, know, if you're looking for taxes, there's some great plays and energy, great plays.   Disclaimer, not a tax accountant or CPA, but when you invest oil and gas, different energy projects, there's a very, very, very good tax incentives from a strong cash flow and so forth. So that's a great tax strategy, by the way, to offset active income, not just only passive income. If you do it properly and you're investing in it. And by the way, in case anybody hasn't checked energy prices.   It's just skyrocket. Try and put gas in wherever you are right now. So energy prices has a great appreciation with inflation, great cash flow and great taxes. the tax play is really good with that one. Then, of course, mean, different types of real estate. But one thing that I would share that was very interesting when I was writing this book is kind of reflecting on the years of and I've done this six years and all the people that I've interviewed. But one thing was very interesting.   So agricultural, the market is big. There's many different things in agriculture. And that's where a lot of folks obviously invest farmland, livestock, produce, that kind of stuff. What I found just fascinating was the portfolio allocations of some of the wealthiest people on this planet in timber, more specifically tea.   And I'm like, wait a second, because I've some friends that work in family offices, too. So when I came across this, I reached out to them and I'm like, I see like, is there a lot of like the some of the families that are working with you invested in this asset class? And they're like, yeah, it's in all of our portfolios. And I'm like, that is fascinating. So teak, which is in the timber category is is there. And then I started looking into this. And it's like institutional companies are buying this hedge funds.   M.C Laubscher (18:58.594) family offices, like Ted Turner is one of the largest investors. And I looked into this and I'm like, why? And then of course, you reach the conclusion that what happens in agriculture, trees grow, they grew five years ago, they're gonna grow five years from now, they're gonna grow 20 to 25 years from now, they're just gonna do what they do if they're in the right climate, in the right country.   And so forth, so it provides stability to a portfolio. So it's a long term play. It's not a get rich quick scheme. Anybody that's in agriculture that has ever invested in that space knows that this is not a Bitcoin where you buy something and the next day it doubles. It's I mean, it's literally you have to hand it over to God. It's nature. It's going to take time to grow before you harvest. And when you harvest, obviously.   you're going to generate some cash flow from it. But I thought that was fascinating that how they build their portfolio there, they have to have things in there that stabilize it. Obviously, it's very big on real estate. There's a lot of energy plays on there. There's a lot of that in there. Another great asset class that can stabilize the portfolio, which I'm personally an investor in too, is life settlements.   And a lot of folks that say, is what is life settlement? So you can actually sell life insurance contracts just like you would sell real estate notes. So why would somebody sell a life insurance contract? Well, there are some folks that, like most Americans, have all their wealth in their homes and in a 401k. And that's it. No diversification. what happened in 2008, 2009? Well.   They were in retirement already and maybe lost the majority of the equity of the value of their house. They got clobbered in their stock portfolio and their retirement accounts. And now they're out of money basically. So what do you do? And now because of the stress, there's an illness too. So you can sell and you realize, I have a life insurance policy that I could sell to an investor. And then obviously the investor can, and this is being underwritten of course, an agent and so forth.   M.C Laubscher (21:21.804) But they have a life insurance policy that they can sell and live out the remainder of their life comfortably. So there's a win-win on both sides of it. I'll give an example. Let's just say you have a million dollar death benefit and a life insurance policy, and you have like $50,000 in cash value. And you're in a very bad situation like these folks are that I just told you. Well, you could go.   to a live settlement company at that stage, if you qualify, not all of them of course qualify, it has to be under underwritten to make sense for an investor to buy that. But let's just say you could get four to five times the amount that you have some, even if you're getting $200,000, $250,000 in cash, the investor would then pay for that. And then now they own the life insurance policy. So eventually when   when the seller then passes away, then obviously the proceeds gets paid out to the investor. So they got money to live out the remainder of their life comfortably. The other folks then obviously got a return on the investment that they made. And there's pools of this, there's funds, it's a security. So there's a lot of undesirable, just disclaimer and I was warned about all this stuff is there's undesirable.   characters in every industry. And as you can imagine, there's probably a lot in that space. Just be aware that if it's in a fund, which is the best way to do it, because you can diversify over a large number of policies and utilize the law of large numbers like insurance companies, it is a security. So there are security laws that apply to all those things. it's essentially for accredited investors that have access to this.   Institutions, they just buy tons of policies on their own. Life insurance companies buy policies from other. They buy policies from other insurers to have on their books as a hedge. Folks like Warren Buffett, Bill Gates, shocker, he's a big investor in that kind of stuff, too. But yeah, it's a very interesting asset class. And again, with the teak, what does it provide?   M.C Laubscher (23:37.87) Well, it provides stability because you're essentially buying your equity upfront. So the only factor is time, which will impact your return, obviously, right? So you could get a very nice return on that, which you kind of know when you buy it, sort of the equity that you have in that policy. And then with Teak, I mean, it stabilizes a portfolio. So between the two of those great plays, settlements, not as much cash flow heavy, but great upside potential appreciation.   So that was the main driver of that, but it stabilizes portfolios. So there's some interesting stuff that I've seen, but those are, you know, I figured I wanted to share some of the stuff that can stabilize a portfolio too, especially during times of craziness where it's not just speculative kind of place.   Yeah, that's fascinating, man. There's so many different things that you've invested in and that there are just to invest in in general and people just don't know about it, right? They get stuck in that, that 401k stocks and bonds bubble. And they think that that's just the only way to invest. And that's why sometimes I'll say, just get into a passive real estate deal, right? Not just because that's the only way to invest, but once you do it once you kind of surround yourself with those types of people that are looking at alternative investments. And then you start your mind just kind of opens up to   all these different things in agriculture, in energy, in, you know, all of those things that you just mentioned that are out there to invest in. And you just start seeing all these opportunities just around you. And then you can kind of start diversifying away from that.   Yeah, you know what another one is, and I cover this in the book too, which would be interesting for your folks at the time that we live in. You know, we had the whole Joe Rogan thing, the Joe Rogan experience controversy, and we had these folks that wanted to pull their music off Spotify. So some folks, if they actually read the story, might have grasped how that side of the business works. But essentially, you can invest in music royalties. And that's another niche on the book, which someone shared on my show.   M.C Laubscher (25:39.118) a couple of years ago, which I found was fascinating. Now, a musician can sell a portion or all of the royalties on their music to an investor. And that's essentially what happened to a lot of those folks that wanted to leave Spotify. They don't even own their royalties or all of it, maybe a small portion or a part of it, but corporations do. They own their music royalties.   So every single time a song gets played somewhere or is used in a movie or something, royalties are paid on that and the investor collects cashflow. Now, do we listen to music when markets crash? Yeah. Do we listen to music when markets boom? Yeah. We always listen to music, you know, whether it's good or bad times. So it's another, it's another interesting aspect of, of that. Now, why would a musician sell their royalties?   And this is fascinating because that side of the business and my brother, my brother is a musician too. So I learned a little bit of that, that side of it and had an insight of that, but why would they sell a portion or all of it? So maybe they need to fund the next album and they don't have a record label backing that. And maybe they just want to do it themselves or, you know, for them to raise money for the next project would be, would be one example of that. So, and of course, if there's   partial ownership of royalties. It's actually the best way to do that because otherwise the musician doesn't have incentives to keep promoting those songs. Right. So you almost want to go like 50 50 with someone to make sure like they've got skin in the game to still promote their albums and the songs and play them at concerts and all that kind of stuff. Otherwise, they're not really going to care because they don't own the rights or the royalties to that music anymore.   So it's fascinating. There's a whole exchange, as you can invest like an investor, but there's so many ways to do it. There's so many ways. see to your point, I see people argue all the time. This one's better, this one's better, this one. I'm like, you can make, it's incredible to see the ways that people can make money and become successful. There's so many ways to do it.   Seth Bradley (27:53.698) Yeah. Are there any, I know you went through quite a few there and I want to give the entire book away, but are there, is there another like really surprising one that kind of stands out in that book where somebody's going to read and they're like, what? That's crazy.   Yeah, I throw in there a different angle on crypto. So I share a strategy in there. I share a crypto strategy and then I share an angle of how to look at it as an investor because most people think cryptocurrency and blockchain and they go, oh, I just buy Bitcoin and it goes up 20 fold and now I'm a millionaire or a doggy coin and I'll be fine.   But there's actually that's very speculative, obviously, and you're a speculator. What the folks, the absolute cash flow ninjas have done is they have approached this as investors in the space. So they have followed what I call the California gold rush strategy. So they looked at this and said, wow, all right, there's gold found in California and San Francisco in that area.   Instead of going to mine or dig or pan for gold, I'm going to be the person selling the shovels, the picks, the equipment. I'm going to be the person selling the clothes like Levi Strauss. I'm going to be the person there that has provides housing, hotels, bars, restaurants, entertainment, brothels, whatever floats your boat. And I'm going to be the person that offers financial services like Wells Fargo.   You take a different strategic approach of investing. So you actually go in as an investor and say, like in the crypto and blockchain space, I'll give you some examples. The folks that have absolutely made a fortune in this space. Yeah, they had some Bitcoin. Yeah, they were early investors in Bitcoin and Ethereum. But guess what? They were early investors in exchanges. You know, I actually was in the Bauschman group of one of the first investors in Coinbase, which is now   M.C Laubscher (29:59.714) They went public. I think he did pretty well. The same with Kraken. He's also one of the earliest investors in Kraken. So he's on exchange. So the same with music. Do you think a lot of people trade crypto when the markets are going up? Absolutely. A lot of people are chasing the pump. Do you think there's a lot of activity on an exchange when crypto wets the bed and corrects? Absolutely. There's a panic selling going on.   Markets go up, down and sideways. They make money regardless. So that's one way of doing it. But think of other things, right? You know, in the cannabis space, everything was like, if you're a lawyer, I mean, you would never run out of work. If you are a tax accountant, you would never run out of work in that space. The same with crypto. So there's so many legal things happening there. And think about estate plans.   You have coins. How are you planning on transferring that to your children or your grandchildren? How does that work? Nobody's figured that out. There's companies that have been started in that space to address that problem. And you could be an investor in that company. How about taxes? You think they're coming off the taxes in crypto? You think if you're investing in a very, very good tax firm globally or locally and so forth that specializes in crypto, you're going to lose money?   going to be busier than ever. So it's a different kind of angle that you're coming in as an investor in the space, less sexy. I prefer it that way, cash flow, taxes, you're a business owner, that kind of stuff. But it's not the Elon Musk doggy coin kind of style that you're investing in the space. It's a little bit more strategic.   Right. Yeah, I love that, man. And you can use that, you know, that strategy across different industries. Like you said, you know, you're, selling, you're selling the picks and the, and the pans for the gold rushers. You're, selling the tools rather than actually going and trying to find the gold. And those are the people that actually got rich during the gold rush, right? People that sold the tool. So just think about, you know, any hot industry that way, like, what can I do? That's kind of that ancillary angle rather than the direct angle. And that could be the   Seth Bradley (32:18.03) the better investment.   Yeah, it's almost like I interviewed Jim Rogers a couple of times on my show and he's very comical, legendary investor. And he always said to me, know, when I asked him about how, how we like some of the big hits that he had and some of his best investments, he said, MC, it's quite simple. All I do is I sit and I just wait until people, the money is just lying on the floor. And then I go and pick up the money. That's all I do.   So and then I asked him about, all right, what is that? What is how does that relate to it? And it's like when you see something that's a no brainer that everybody else is seeing. I mean, like, for example, the legal side and the taxes and crypto kind of a no brainer. Not a lot of people are thinking about it. It was the same way in cannabis, too, where everybody wanted to invest in a farm or a farmer or dispensary or a distribution and all this stuff.   and deal with all the headaches of the federal government and the local government, you could have been the lawyer starting a legal firm dealing with those headaches for them. You would never run out of work and you could probably charge much, much more. And it's the same thing with the tax thing. So that, in my opinion, was it's just that money lying on the floor waiting to be picked up as an investor.   Yeah, perfect man. Nailed it. one last gold nugget before we jump into the freedom for   M.C Laubscher (33:48.362) Absolutely. Yeah, so I would say the big thing is you have to be very, very specific, obviously, why you're doing what you're doing, what you have and why you have it and what it's doing for you from a strategy. And then that's how you build your cashflow portfolio. But don't forget about the other stuff in your economy. There's a way to make your money as efficiently as possible. There's a way to position it.   And then there's a way to invest in this portfolio. And then there's a way to protect all of us with proper asset protection, with proper estate planning and with proper tax strategy. So most folks don't even think about the estate planning, the asset protection and the tax strategy. You're going to wish you have in five years. This will be a sound bite that that you can keep. You're going to wish you have thought about these things and not just on the shiny stuff.   I know because I've made all of those mistakes. I became a much better business owner investor when I started to put it all together and just didn't chase shiny stuff or had tunnel vision.   Yeah. Awesome, man. All right. Let's jump into the freedom for we're to mix it up a little bit because you've already been on the show once.   It's time for the Freedom Four.   Seth Bradley (35:09.422) So what does your morning routine look like?   You know, it varies since I have two very young kids, but there's one, but there's two things that are consistent. So I make sure that I go for a walk 45 minutes to an hour. And I do spend an hour thinking. It's a habit that I've developed over time and that I learned from Keith Cunningham. So he just calls it thinking time. We don't think because it's the hardest thing to do as Andrew Ford would always say,   So I make sure that I block everything off. No computers, no smartphones, nothing, just me and a pad. And I write down, I have certain frameworks I use to analyze things and help me think through things, looking at the dangers that are out there, the opportunities and how I can capitalize on a lot of the stuff. that's, I mean, that's definitely, that's in my morning. The other stuff, it varies because they got two young ones, but those two things are consistent. So.   clear my mind with a walk, get some exercise in, and then thinking for an hour.   Yeah. Yeah. Sometimes we, have these ideal morning routines put together, but it, know, especially when you have kids and you have all these different variables, that's not always possible, but you know, there are a couple of things that you definitely need to carve out and just make sure you do every single day. All right. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   M.C Laubscher (36:40.63) I do it every day and limiting beliefs in the sense of, people talk about the mindset of abundance, you know, and having an abundant mindset, you know, and I intentionally move every single day when I get up, there are some certain elements of scarcity and I transform that into abundance and I do it intentionally. It's actually part of thinking time. You know, I've listened to all the gurus, I get all that.   But I don't wake up in the morning and go, yeah, this is going to be great. Every every person wakes up. This is just how we were built. If we weren't built this way, we wouldn't have survived. So we get up and we scan our environment and we start kind of not in a fearful fear isn't the right word, but it's kind of like fight or flight situation. Like I said, if you're not built that if you weren't built that way, you wouldn't be alive right now. We wouldn't be as a specie.   because otherwise we would have probably the saber-toothed tiger would have probably gotten us. So we were built that way. So I do it intentionally to transform from whatever elements it is of scarcity into abundance. And by doing that and doing that every single day intentionally, it changes your whole day. then you don't have any bad days. So I don't get up drumming my chest saying everything is perfect and rosy and rainbows and unicorns.   I understand that there are certain things that I've got to work out kinks and I have frameworks to do that. And I just make sure that I do it every single day. So overcoming limiting beliefs, we all have some of them. think like the, mean, the biggest one, there are some things like, the biggest one that I've ever came lightly and this is probably over the last three years is,   You know, Dan Sullivan, which is one of my coaches, a strategic coach said, you need to work less and make more money. And I'm like, I don't know how to do I know what's what's the catch here? Yeah. So that was a limiting belief. then I'm like, wait a second, does he have a superpower that I don't have? But then I started to realize that you could structure your day and then have proper systems and processes in place. And that I work four days a week now when I started as an entrepreneur, it was   M.C Laubscher (39:05.866) seven days a week, 10 to 12 hours. Now I work four days a week and it's probably seven to eight hours at most because I have those systems and processes in place. it was, mean, yeah, talk about a limiting belief right there. It was something that I to work out and figure out.   Yeah. Yeah. And it's counterintuitive, right? It's like, wait, work less and make more. That's not how it works. That's not how I was taught growing up. That's not how it works.   It's everything, everything against what you were have been taught in school, right? So it's almost like you have to break down core foundational beliefs and a mindset. You have to double down on that. It's like when Labeque Saki said he makes more money every year and pays less in taxes. When you first hear that and you read the book, you're like, well, how does that, how does that work? So again, beliefs that have to change and then your mindset and then you   learn the game of money and you're like, yeah, that is that's what they do. This is what the castle and then just do they make more money every year, they pay less in taxes, actually get money back from the government, legally, and they work less and then and they make more money.   Yeah, exactly. I had Tom Willwright on the show last month and he said the same thing. That was the his big quote was, you know, the wealthier you get, the less taxes you pay. It's like what? Yeah, but it's 100 percent true, 100 percent true. What do you believe separates successful people like yourself who have taken action and taken control of their life and their own economy from those who get stuck in the nine to five, never take action and maybe never get started with cash flow?   M.C Laubscher (40:50.57) I own all of my outcomes. And I think that's the biggest difference between a lot of folks and people that achieve certain levels of success. I don't blame anyone. Everything that happens is because of me. So even if there is something nefarious done to you, I shouldn't have put myself in that position and I should have seen it coming. So it's my responsibility, not anybody else's.   So I take responsibility for everything that I've done in my past, my present, my future. I own everything. So I was stuck for a while in a deep dark place. We're talking now like 10, 12 years ago and I wasn't going anywhere at that stage. And that was the one switch that I made and I've never looked back since, you know? So I own everything. The good, the bad and the ugly.   Yeah, I love that more than you know, man. Accountability is my number one principle in everything in business and life. Even again, if you if you know inside that maybe it was somebody else's fault, it still doesn't matter. You say, well, what could I have done to change it and to make it better? What could I have done differently? Take accountability for it. Don't blame other people.   Yeah, there's a person that I follow that I was very honored to meet in person, Tim Grover. And he's the guy behind Michael Jordan. mean, he's Michael Jordan's coach, Kobe's coach, know, Dwayne Wade. And he was actually, it's funny that I just saw that he actually worked with the Rams over the past month too, during that. And he's just, I mean, quite incredible because he literally gets you into   This is how a champion thinks. This is what's going in their mind. This is how they're wired. And those folks, mean, it's just so interesting to see. Even if folks don't win, listen to what Tom Brady said, by the way, in his playoff loss before he retired. Where they're like, you you didn't get the ball back and you didn't have another shot. basically you thought you were going into overtime, but then that final play that the Rams got you and he's like,   M.C Laubscher (43:12.386) I shouldn't we shouldn't have been in that situation. I shouldn't have put my team in that situation in the first place. So that's all they think. That's all those folks think. And I know it's sports, but there's so much between sports, obviously, and and business and investing. So you look at the mind of a champion in any industry in any part of part of life. And that's all those folks think, whether it's a whether it's sports, it's a business, a marriage, investments, you know, they own it.   That on the outcomes.   Yeah, for sure. I'm listening to Winning right now, his book on Audible. it's great so far. All right. Last but not least, what does financial freedom mean to you?   You know, freedom is is a is it's it's we're living during interesting times. It's funny how freedom is is being spun. You know, I'm one of those folks that. Nobody grants you freedom, no one. You just you just take it, you're born free and you take it. You know, you can't you can't negotiate it, you can't vote for it, you can't beg for it, you can't plead for it, you just take it.   And you do that by taking action. So financial freedom and the same thing is no one no one's going to give it to you. And you're just going to have to go out and take it. And in the sense is what freedom means to me is having freedom of time, how I spend my time, what I do, having freedom of money. I do things and I spend my time how money no longer becomes a reason why and why I'm not doing something.   M.C Laubscher (44:55.126) relationships, having freedom of relationships. doing cool things with people that I like to do things with and hanging out with people that I want to hang out with. So I don't have to hang out with someone just to hang out with someone. That's what freedom means. then obviously purpose, know, purpose is, yeah, the freedom to pursue what you want to pursue, the stuff that you want to work on, the stuff that you're passionate about.   So you don't do things just to do things and you have to get there by the way, you know, if you if you see all the things that I've had to do to get to the part where I just do stuff that I want to do. It's been a long road. It didn't start with that, but that should be the goal in the end. So we all have to do things that we don't like to do and some way or shape or form. But essentially, when you get to financial freedom, you can just focus on the things that you want to do that you're passionate about, whatever they are. If it's   doing cool things with cool people and cool places. If it's spending time supporting your charities and your church and so forth and being actively involved with that. There's folks that I know that are very wealthy that, mean, they just, and a lot of them, by the way, right now, they're just buying ranches and farms and just living off the land in the middle of nowhere, you know, in different states.   Yeah, I mean, and that's that's it. That's it. That's what they that's what they want to do right now. Get away from all the craziness. They kind of see that things are going to get wilder and crazier in the in coming months and the next couple of years. And they're like, I don't want to participate in this. I'm just going to buy a piece of land in the middle of nowhere and come back when this so when the dust settles. So, yeah, that's that's that's what that's what it means to me. It's it's something that I talk about a lot, too, that I'm pretty passionate about.   Because we are in a fight for it now too. You know, all over the world in many, many, many different ways. So my own little way, I try to, you know, help as many people as I can to get the financial park right. Because if you are financially independent and free, you know, you're not going to be forced into a corner or have your back to the wall and be forced to make decisions that are against your principles, your values, and what you believe in. You're going to tell   M.C Laubscher (47:18.466) people to go pound sand. So I want as many people to be in that position as possible.   man, that was an awesome answer, dude. Let's wrap it up, man. It's been awesome having you on the show. Where can our listeners find out more about you? Where can they get that new book? 21 Best Cash Flow Niches. Tell us all about it.   So cashflowninja.com is everything Cashflow Ninja and the book is called the 21 Best Cashflow Ninjas, Creating Wealth and the Best Alternative Cashflow Investments. It's available on Amazon or cashflowninja.com. And when your listeners purchase a copy of the book, just screenshot a proof of your purchase to my team at info at cashflowninja.com and I'll throw in some bonus goodies. I'll give you a digital version of the book if you wanna read it on Kindle.   A audio version of the book, if you just want to listen to it, driving in your car, working out or hanging out. I've actually curated a library of interviews specifically where people talk about these niches. You'll get access to that and more bonus goodies. So it's available on Amazon dot com, but also at cash learning dot com, you'll be able to buy the book. The twenty one best cash flow and it just creating wealth in the best alternative cash flow investments.   Awesome brother. Well, congratulations on the book launch and it's been awesome having you on the show again. I MC let's catch up soon.   M.C Laubscher (48:37.962) Absolutely. Thank you so much for having me.   All right kiddos, MC Lobster, the cash flow ninja, drop in bombs. As always, he always comes up with all these new ideas, all these new ways to create cash flow and income outside of the box. We're not just talking about real estate. We're not just talking about stocks, bonds and mutual funds. We're talking about agriculture, life insurance contracts, all these different ways that you can create income for yourself. There's more than one way.   to create income that does not involve just lawyering, just doctoring, just engineering, just doing your, just creating your active daily, trading your time for money income. So at the end of the day, look, this is the major key. The major key is to get started. Again, I always say start out with a real estate syndication on the passive side because...   that will open your eyes to opportunities. That's what it did for me. When I started investing in commercial real estate to begin with, it was through a passive investment. And then I invested more and then I invested more. And then my network expanded and to people like MC who exposed my mind to ideas about other types of ways to get started in multiple streams of income. Then I bought into franchises, then I bought into crypto, then I bought into all these different things. But until you get started,   and you get this cashflow train moving, you're gonna be stuck. You're gonna be stuck at your day job with one stream of income, putting yourself and your family's financial future at risk. So I encourage you to just get started. So if you're ready to take action and partner with us on one of our next passive real estate deals, go to passiveincomeattorney.com, join our Esquire passive investor club and get started today. All right, kids, until next time, enjoy the journey.   M.C Laubscher (50:34.616) Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en M.C Laubscher's Link: https://cashflowninja.com/ https://www.amazon.com/Best-Cashflow-NichesTM-Alternative-Investments/dp/1737883414

President Donald Trump organiseerde een etentje in het Witte Huis en alle techbaasjes van Silicon Valley kwamen opdagen. Het werd geheel volgens Trumpiaans recept één grote kleffe bedoening. Niet vanwege het eten, maar vanwege de grote bak slijm die de elite van Silicon Valley uitstortte over de oranje president. Maar echt veel indruk maakten alle complimenten niet. Trump kondigde importheffingen aan op chips voor bedrijven die hun productie niet naar de VS verplaatsen. Welke bedrijven daar het meest van profiteren en wat dat betekent voor jouw Nederlandse chipbedrijven, bespreken we deze aflevering. Maar er is meer chipnieuws. Chipbedrijf Broadcom kwam met cijfers, en zij zagen een flink gestegen omzet. Ze hebben er bovendien een flinke klant bijgekregen. Ze zeggen niet welke, maar volgens Bloomberg is het OpenAI. Grote vraag: waarom lukte het Nvidia niet om die opdracht te winnen? En waarom stijgt Broadcom dit jaar harder dan Nvidia? We hebben het ook nog over de Fed, want dat Trump de onafhankelijkheid van de Fed om zeep wil helpen, dat wisten we al. Maar het wordt nóg gekker: een econoom van het Witte Huis die een Fed-bestuurder vervangt, zegt nu dat hij ook nog zijn baan in het Witte Huis wil behouden. Stephen Miran werd gegrild in de Senaat om benoemd te worden voor vier maanden en gaat dan dus zowel in het Witte Huis als bij de Fed aan de slag. See omnystudio.com/listener for privacy information.

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Want to grow your business? Download your free roadmap today: coltivar.com/growth Major moves and market momentum in this week's top financial stories, including:Fed Faces Political Turmoil Ahead of CutsBuffett Bets on Build-to-Rent HousingGap and Old Navy Enter the Beauty MarketKraft Heinz Splits Up to Refocus StrategyElliott Targets PepsiCo for a Shake-UpTune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly._______________________________________Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com/byfiq

Apple wil voor eens en altijd afrekenen met die zorg dat het te laat was met AI, dus krijgt chatbot Siri binnenkort een serieuze make-over. Want laten we eerlijk zijn: Siri is voor een chatbot inmiddels al flink bejaard. Apple gaat daarom de AI-strijd aan met de makers van ChatGPT. Zelf redden ze die AI-wedloop niet, geven ze nu wel met zoveel woorden toe. Daarom roept het bedrijf hulp in uit onverwachte hoek: Google. Het zoekbedrijf van Alphabet gaat de onderliggende technologie leveren. Of het ook genoeg is voor Apple om weer een beetje op kop te komen in die AI-race, bespreken we deze aflevering. We hebben het ook over president Donald Trump, het zal eens niet. Die heeft een moeilijke week, nu twee rechters zeggen dat zijn importheffingen illegaal zijn. De oranje president tekent hoger beroep aan. Maar als de hoogste Amerikaanse rechter dat ook gaat vinden, dan kunnen de handelsdeals die hij sloot met allerlei delen van de wereld, ook Europa, mogelijk de prullenbak in. En dat zou desastreus zijn, aldus Trump zelf. Verder hoor je nog waarom de Chinese overheid zich zorgen maakt over gigantische koersstijgingen op de beurzen in dat land en we praten je bij over nieuwe regels aan de Nasdaq dat een klassieke vorm van oplichting, de pump and dump, aan banden moet leggen. Tot slot bespreken we de volgende dolle koerssprong van American Eagle. Want iedereen had er een mening over: die reclame met actrice Sydney Sweeney. De (inter)nationale rel heeft het bedrijf geen windeieren gelegd. Na een moeizaam jaar trok de omzet opeens aan. En hoe.See omnystudio.com/listener for privacy information.

Hoy hablamos de una ruptura empresarial importante: tras una década de colaboración, Kraft Heinz ha decidido poner fin a su asociación. Ambas compañías se unieron en 2015 con la intención de combinar sus fortalezas y crear una potencia global en el sector alimentario. Sin embargo, esta alianza terminará oficialmente en la segunda mitad de 2026. Tras el anuncio, las acciones de la empresa sufrieron una caída de más del 7%. A partir del próximo año, cada compañía operará y cotizará por separado. Para Carlos Abrams-Rivera, actual CEO, esta separación permitirá "liberar el verdadero potencial de nuestras marcas y negocio", aunque lo cierto es que se pone punto final a una historia de expectativas no cumplidas. En sus inicios, el proyecto fue impulsado por figuras como Warren Buffett y el fondo de inversión brasileño 3G Capital. La estrategia buscaba que Kraft se beneficiara del alcance internacional de Heinz, mientras que esta última aprovecharía la presencia de Kraft en el mercado estadounidense. No obstante, solo nueve años después, el propio Buffett admitió el fracaso de la operación en una entrevista con CNBC, lamentando que las negociaciones con grandes cadenas minoristas siempre son complejas. Basta con observar los resultados financieros: en 2016, las ventas netas fueron de 26.000 millones de dólares, mientras que en 2024 apenas alcanzaron los 25.000 millones. En cuanto a beneficios, la compañía también ha retrocedido. En 2016, sus ingresos netos fueron de 3.400 millones de dólares, cifra que descendió a 2.700 millones en 2024. A nivel bursátil, la situación tampoco ha sido favorable. El valor de sus acciones pasó de 62,15 dólares en 2016 a 27 dólares en la actualidad, y su valoración total ha disminuido de 45.000 a 32.000 millones de dólares. Este descenso se ha visto acentuado por una caída en el consumo de productos no esenciales en EE. UU., impulsada por la inflación. Los analistas coinciden en que uno de los grandes errores fue no aprovechar completamente la red global de Heinz. Incluso en 2017 intentaron comprar Unilever, sin éxito, lo que también afectó negativamente a su cotización. Ahora, Kraft Heinz opta por simplificar su estructura y retomar el uso independiente de ambas marcas, una tendencia creciente en el sector. Ejemplos recientes incluyen la escisión de Kellogg en 2023 —dividiendo su negocio en Kellanova y WK Kellogg—, Dr Pepper separando sus líneas de café y bebidas frías, y Unilever planeando que su división de helados, liderada por Magnum, cotice por separado.

In dieser Ausgabe beleuchten wir die Börsenlegende Warren Buffett aus Investorensicht! Was sind seine Prinzipien beim Value-Investing? Welchen Einfluss hatte sein Partner Charlie Munger auf ihn? Hat er sich an seine Börsenweisheit "Investiere nur in Geschäftsmodelle, die du verstehst!" gehalten? Trotz einiger Fehlentscheidungen kann man noch heute aus dem Leben von Warren Buffett sehr viel für sich mitnehmen. ✍️ Frankfurter Investmentblog - Kapitalmarktupdates und Einzeltitel-Analysen: https://www.shareholdervalue.de/frankfurter-investmentblog ✍️ Frank Fischer Kolumne - Politik, Börse und Fonds-Updates: https://www.shareholdervalue.de/frank-fischer-kolumne

WATCH THE VIDEO HERE: https://youtu.be/vbcSnv_wAJ8 Dean Evans, creator of the legendary Trial Spy system, shares his closely guarded secrets in this exclusive FREE webinar. With over +984 units profit since 2013, Dean's revolutionary approach to barrier trial analysis has generated $197,128 profit for $200 per unit investors. What You'll Discover in This Webinar:

Crashpropheten haben mal wieder Konjunktur. Was an den Warnungen dran ist und ob du dir Sorgen machen musst, erfährst du in unserem Marktupdate

Die Beteiligungsgesellschaft Berkshire Hathaway obliegt wie viele andere größere US-Investmentgesellschaften einer quartalsweisen Meldepflicht für bestimmte Wertpapiere.  Diese quartalsweise Meldung des Portfolios und der Transaktionen erfolgt unter großer medialer Berichterstattung. Neu eingegangene Positionen erhalten eine Art Gütesiegel und steigen oft kurzfristig, wenn bekannt wird, dass jetzt auch Berkshire Hathaway investiert ist. Es gibt aber ein Investment, das zu wenig mediale Berichterstattung erfährt, obwohl es das mit Abstand größte Investment der Beteiligungsgesellschaft zum 30.06.2025 ist. Über dieses Investment und was wir daraus ableiten können, darüber sprechen wir heute in dieser Folge.  Jeden Sonntag mehr Geldbildung direkt in Dein E-Mail-Postfach. Seit 2014. Schließe Dich über 10.000 cleveren Geldbildern an: Jetzt Teil der sonntäglichen Community werden Werde Teil des ICs von Geldbildung, hole Dir Geldbildung als Sparringspartner an Deine Seite und lerne regelmäßig spannende Investment-Cases kennen: Jetzt Mitglied werden

Wall Street veteran Jim Welsh of MacroTides joins Kerry Lutz to break down why the markets are approaching a secular bear market and why most investors won't be ready. Jim takes a critical look at the flaws in the Bureau of Labor Statistics' employment data, exposing how reliance on outdated models has led to inflated job numbers and misleading headlines. He also explains why revisions matter more than initial reports when gauging the real economy. From GDP distortions to speculative excess in options trading, Jim lays out the warning signs of deeper trouble ahead. Drawing on Warren Buffett's $347 billion cash position, he highlights why even seasoned investors are bracing for turbulence. The discussion also explores weakening consumer trends, challenges in commercial real estate, and why gold, silver, and long-term treasury yields are shaping up to be key indicators for what's next. Find Jim here: https://www.macrotides.com/ Find Kerry here: http://financialsurvivalnetwork.com/ and here: https://inflation.cafe Kerry's New Book “The World According to Martin Armstrong – Conversations with the Master Forecaster” is now a #1 Best Seller on Amazon. . Get your copy here: https://amzn.to/4kuC5p5

The guys are back breaking down one of the craziest weeks in Atlanta hip-hop history. From leaked audio to major sports upsets and cultural debates—you don't want to miss this episode! ✅ Young Thug Allegedly Snitching – Audio surfaces of Thugga allegedly telling on YSL members and throwing shots at QC CEO Pee. Plus, talk on Kendrick Lamar, Quavo, Gunna, Gucci Mane, and more. ✅ Does Skin Tone Affect Success? – A raw discussion on whether complexion plays a role in music & sports. Comparing legends like Michael Jackson & Chris Brown to Usher & R. Kelly. ✅ College Football Week 1 – Deion Sanders' Colorado Buffs lose their opener to Georgia Tech, while Alabama takes a surprising L against FSU. ✅ Boosie Pleads Guilty – What his federal gun case means for his career moving forward. ✅ Billboard Names Drake the #1 Hip-Hop Artist of the 21st Century – Did they get it right? ✅ CBS Sports Crowns LeBron James as Best NBA Player of the 21st Century – Is there any debate? ✅ Warren Buffett on College Degrees – Why the billionaire says you don't actually need one anymore. ✅ Dating Talk – When's the right time to ask a woman out on the first date?

The Idiots decide that Taylor Swift and Travis Kelce can't do anything new and really should think about moving to the moon.  Ted helps a listener realize that cats are the worst pets ever.  Mark makes an offer we can't refuse.  The guys realize Warren Buffet is not a role model.  

Google avoids the breakup of Chrome but must share its search data with rivals like Bing and DuckDuckGo according to a federal judge in the US. Alphabet shares rally while Apple also ticks higher. Kraft Heinz, once a Warren Buffett favorite, is splitting up after years of sagging value. We track Buffett’s disappointment and whether a breakup could unlock hidden worth. Singapore’s STI edges past 4,300 before settling at 4,298, powered by Genting Singapore and SingTel milestones. And in the UK, pubs pull their last pint under cost pressures. All this plus the treadmill cinema screening of Stephen King’s The Long Walk - hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

This week's Market Mondays is packed with high-level investing questions and timely market insights. We break down which five companies could thrive under a Trump administration, discuss whether Nvidia has a revenue concentration problem, and share advice for investors earning $50K–$100K per year on how to balance stocks, bonds, and real estate. We also dive into how to calculate intrinsic value—Ben Graham style, Warren Buffett style, or your own strategy—and what to actually do when your 5–10 year holding period is up.We also explore September 2025 market outlooks, Morgan Stanley's latest stock picks, and Alibaba's surprising surge after reports it may challenge Nvidia in the AI chip space. From fixed income products like MSTY and NVDY to the crypto markets hovering at key Fibonacci levels, we break down what's holding Bitcoin and ETH back, and how investors should be positioning in a historically tricky month. Plus, we play a round of “Don't Love, Marry, Kill” with Charter Communications, Hormel Foods, and Keurig Dr Pepper.Finally, we dig into the brewing legal storm around Novo Nordisk and Eli Lilly, facing over 2,000 lawsuits tied to Ozempic and similar drugs, with potential liability estimated in the billions. Is this the “death of Novo Nordisk,” or just another chapter in the evolving GLP-1 drug story? Tune in for sharp analysis, real strategies, and answers to the questions you've been asking all week.#MarketMondays #Investing #Stocks #Crypto #AI #Trump #Nvidia #Ozempic #WealthBuilding #FinancialLiteracyOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Square: https://square.com/go/eylSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

First trading day of September and stocks taking a leg lower: Carl Quintanilla and Sara Eisen broke down the market set-up – along with fresh data and commentary around the consumer and prices paid top of the hour. Bespoke Invest Co-Founder Paul Hickey pointing out what he calls a bullish environment, while former Fed Vice Chair Alan Blinder gave his predictions for a make-or-break Jobs Report this Friday – and what could result from Fed Gov. Lisa Cook's ongoing DC trial. Plus: get key analysis and more on what to do with stocks in 2 volatile sectors – energy and healthcare, as headlines roll-out of Washington from both industries.   Also in focus: Kraft Heinz and Pepsico. Hear what Warren Buffett had to say about news Kraft Heinz plans to split the company – and why he's “disappointed” – along with Pepsico's response to a new activist investor in the name.  Squawk on the Street Disclaimer

(Tuesday Sept 02,2025)Trump's September filled with tough deadlines. AI is unmasking ICE officers… can Washington do anything about it? Warren Buffett's son battles Colombia's booming cocaine trade. Americans are having less sex than ever.

In der heutigen Folge sprechen die Finanzjournalisten Anja Ettel und Lea Oetjen über den Absturz von Kraft Heinz, einen spannenden IPO und etwas Glanz in turbulenten Börsenzeiten. Außerdem geht es um Intel, Meta, Nvidia, Alphabet, Apple, Tesla, BYD, ProSiebenSat.1, PepsiCo, Salesforce, American Eagle Outfitters, Unibail-Rodamco-Westfield, Caterpillar, TSMC, Deutz, Xetra-Gold (WKN: A0S9GB), iShares Physical Silver (WKN: A1KWPR), Global X Silver Miners (WKN: A3DC8R) und Vitec. Die Tickets zum Finance Summit am 17. September bekommt ihr 40 Euro günstiger – aber nur mit dem exklusiven Code AAA2025, der ihr unter dem folgenden Link eingeben müsst: https://veranstaltung.businessinsider.de/BN5aLV Außerdem könnt ihr unter diesem Link euer Depot hochladen – und mit etwas Glück wird kein Geringerer als Christian W. Röhl euer Depot beim Summit checken und optimieren. https://form.jotform.com/Product_Unit/formular-finance-summit-depot-check Wir freuen uns über Feedback an aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Gisteren waren Samsung en SK Hynix de pineut. Ze mochten geen nieuwe Amerikaanse chipmachines meer naar hun Chinese fabrieken brengen. Een maatregel die ASML, ASMI, Besi amper raakte. Maar vandaag staan die drie wel fors lager, nu president Donald Trump hetzelfde trucje uithaalt met TSMC. Na dit jaar is het klaar met nieuwe Amerikaanse machines daar. Waarom 'onze' chipbedrijven daar nu wel op reageren, bespreken we deze aflevering. We hebben het ook over dips. Het was het gedroomde huwelijk van wonderbelegger Warren Buffett: Kraft en Heinz samen. Maar de twee gaan na tien jaar weer uit elkaar. De fusie heeft de gezamenlijke beurskoers geen goed gedaan: hij zakte in tien jaar tijd met bijna 70 procent. Vandaag geven beleggers het aandeel nog een extra zetje omlaag. Dan vertellen we je ook nog over een níeuw chiphuwelijk: tussen ASML-topman Christophe Fouquet en Narendra Modi, de premier van India. Je hoort over Scott Bessent, de Amerikaanse minister van Financiën die steeds vaker tegen zijn president Trump ingaat. Al blijft 'ie 'm ook nog steeds verdedigen. En mocht je nog van plan zijn om je leidinggevende op date te vragen, dan leer je ook waarom dat geen goed idee is.See omnystudio.com/listener for privacy information.

Wall Street stumbled into September, with US stocks falling as a ruling on Trump-era tariffs added to uncertainty. Bond market turbulence persisted as debt sales ramped up, while US manufacturing activity contracted for a sixth straight month. In company news, Warren Buffett said he was disappointed by the Kraft Heinz split, which weighed on its stock performance. In commodities, gold surged to record highs and oil gained after the US imposed sanctions on Iran. Closer to home, Australian shares are set to fall for a fourth consecutive session, with investors awaiting key economic growth data. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Während in der Industrie Arbeitsplätze verschwinden, werden sie beim Staat neu geschaffen. Ob das die Servicequalität verbessert, ist fraglich. Steuergeld kostet es trotzdem.

Most investors think the biggest danger comes from recessions, inflation, or the Fed. But Chris Davis, a $20B fund manager mentored by Warren Buffett and Charlie Munger, says the real threat is closer to home: your own behavior.In this episode, we break down why emotions sabotage returns, how to build the patience to outlast bubbles and crashes, and the timeless principles of value investing that have guided the Davis family for three generations.You'll learn:Why all real investing is value investing and everything else is gambling.The difference between growth, value, and dangerous momentum bets.How to protect your wealth from yourself by building discipline and systems.Lessons from Buffett and Munger on patience, resilience, and compounding.Whether you're a seasoned trader or just starting out, this episode will change how you think about risk and show you why mastering behavior is the ultimate edge.Want to support Global Value? https://www.interactivebrokers.com/mkt/?src=gvp1&url=%2Fen%2Fwhyib%2Foverview.phphttps://www.patreon.com/GlobalValueThank you for watching. ❤️ Please support the channel by checking out our affiliates. All commissions are reinvested to improve the quality of videos!- TIKR is the website I use for financial data in my videos. Join me and 250,000+ investors worldwide by using TIKR in your investment analysis. Referral link - https://www.tikr.com/globalvalue- Check out Seeking Alpha Premium and score an exclusive 20% off plus a free 7 day trial! Affiliate link - https://www.sahg6dtr.com/H4BHRJ/R74QP/- Try Sharesight https://www.sharesight.com/globalvalue (remember you get 4 months free if you sign up for an annual subscription!)

En la cuarta hora de Capital Intereconomía ponemos el foco en el Radar Empresarial a Intel. Además Javier López analizó la evolución de los metales preciosos, la ratio oro-plata, el impacto de la producción nacional y las oportunidades de inversión a corto, medio y largo plazo. En la Escuela de Finanzas, Ricardo Comín de Vontobel recordó el legado de Warren Buffett, su filosofía de inversión y el futuro de Berkshire Hathaway tras su retirada. Además, en el Consultorio de Fondos, José María Luna de Luna&Sevilla Asesores Patrimoniales respondió a las consultas de los oyentes sobre estrategias y fondos.

What do Warren Buffett, Oprah, Jeff Bezos, Kobe Bryant, and Tiger Woods have in common?  Each one mastered the easy in their respective fields. And mastering the easy is something you can do today to begin your journey to greatness no matter your endeavor.  Whether you're peeling a potato, waking up in the morning, or improving yourself, the only way to develop mastery is by mastering the basics.  Mastering the basics isn't as fun, but it unlocks your full potential in no time at all. And you can carry this mastery to everything else you attempt.  In this episode, you'll discover how mastering the easy unlocks an unlimited amount of opportunities in anything you try.  Listen now and begin your journey to mastery.  Show highlights include:  The “Mastering Easy” secret for achieving excellence in everything you do (2:09)  Why hand washing and waxing your car unleashes pure bliss throughout every bone in your body (3:15)  The “Every Single Detail” method for boosting your memory and unlocking your true potential (8:07)  Why using an alarm clock in the morning prevents you from attaining greatness (9:47)  How reading for 30 minutes every day can make you the wealthiest person in your neighborhood (10:43)  The “Train Hard, Fight Easy” mindset responsible for Tiger Woods's success (and how to apply this to everything you do) (15:25)  Do you want to stop existing and start living your best life right now? Click here to get the first chapter of Dr. Rick's best-selling book, Lessons From a Third Grade Dropout, for free.

Want to learn more about Vodyssey or start your STR journey. Book a call here:https://meetings.hubspot.com/vodysseystrategysession/booknow?utm_source=vodysseycom&uuid=80fb7859-b8f4-40d1-a31d-15a5caa687b7In this episode of the Vacation Rental Revolution Podcast, hosts Shawn Moore and Jake Sheehy discuss various topics including the traditional 9 to 5 work model, Cracker Barrel's recent branding changes, Airbnb's expansion into the hotel industry, and Warren Buffett's significant investment in home builders.FOLLOW US:https://www.facebook.com/share/g/16XJMvMbVo/https://www.instagram.com/vodysseyshawnmoorehttps://www.facebook.com/vodysseyshawnmoore/https://www.linkedin.com/company/str-financial-freedomhttps://www.tiktok.com/@vodysseyshawnmooreChapters00:00:00 Intro00:03:39 Debate on the 9 to 5 Work Model00:14:21 Cracker Barrel's Branding Misstep00:20:43 Airbnb's Expansion into Hotels00:22:11 Booking.com and the Hotel Space Expansion00:28:18 Warren Buffett's Investment in Home Builders00:42:56 Timing the Market: When to Buy a Home

This week, we dive into the pivotal shifts creating a complex and challenging freight landscape. We start at the U.S.-Mexico border, where a fascinating paradox is unfolding: U.S. tariffs are leading to job losses in the maquiladora industry, even as wages and foreign investment hit record highs. Then, we shift tracks to the rail industry, where Warren Buffett's BNSF is rejecting the mega-merger trend, creating a strategic split among Class I railroads. We also cover urgent regulatory changes, including the sudden elimination of the de minimis exemption that's throwing international parcel shipping into chaos, and the federal crackdown on trucker compliance that comes with multi-million dollar penalties. Finally, we break down why trans-Pacific ocean rates have plummeted to pre-Red Sea crisis lows, despite ongoing geopolitical risks. This is your essential guide to the interconnected forces that will define your operational strategy. Learn more about your ad choices. Visit megaphone.fm/adchoices

After Friday's big rally fueled by Fed Chair Powell's Jackson Hole speech, Carl Quintanilla, Jim Cramer and David Faber explored what's ahead for stocks -- including Nvidia's earnings due out Wednesday. Sticking with chips: the anchors reacted to President Trump's social media post stating the U.S. government taking a 10% stake in Intel is "making the USA RICHER, AND RICHER." National Economic Council Director Kevin Hassett spoke on CNBC about the potential for similar investments in other companies. Also in focus: Keurig Dr Pepper agrees to buy Peet's Coffee parent JDE Peet's in an $18 billion deal, a historic box office win for Netflix, "Faber Report" on CSX, railroad M&A and where Warren Buffett fits into the picture. Squawk on the Street Disclaimer

Warren Buffett's Berkshire Hathaway just invested nearly $1 billion in homebuilders Lennar and D.R. Horton. Kathy Fettke unpacks why Buffett is doubling down on housing, what it signals for supply, demand, and policy, and what investors should watch as the market heats up. LINKS: JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.housingwire.com/articles/berkshire-hathaways-warren-buffett-bets-big-on-homebuilders/

From the unpredictable state of the global economy and the looming threats to the middle class, to hard-hitting takes on inflation, asset management, and the very real dangers of deficit spending—nothing is off the table. Tom unpacks why the erosion of the middle class is destabilizing society, shares timeless investment advice that goes beyond market hype (yes, even when it comes to bitcoin), and lays out the framework for how individuals and governments can respond to growing inequality. You'll also hear candid debates on the AI bubble, Warren Buffett's cash moves, housing deregulation, and the messy realities behind economic “solutions” like wealth redistribution and debt forgiveness. CHECK OUT OUR SPONSORS Vital Proteins: Get 20% off by going to ⁠https://www.vitalproteins.com⁠ and entering promo code IMPACT at check out Allio Capital: Macro investing for people who want to understand the big picture. Download their app in the App Store or at Google Play, or text my name “TOM” to 511511. SleepMe: Visit ⁠https://sleep.me/impact⁠ to get your Chilipad and save 20% with code IMPACT. Try it risk-free with their 30-night sleep trial and free shipping. Tailor Brands: 35% off ⁠https://tailorbrands.com/podcast35⁠Shopify: Sign up for your one-dollar-per-month trial period at ⁠https://shopify.com/impact⁠Hims: Start your free online visit today at ⁠https://hims.com/IMPACT⁠. Even Realities: Smart glasses, real style ⁠https://evenrealities.bio/6e396d⁠ What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business:⁠ ⁠⁠join me here at ZERO TO FOUNDER⁠ SCALING a business:⁠ ⁠⁠see if you qualify here.⁠ Get my battle-tested strategies and insights delivered weekly to your inbox:⁠ ⁠⁠sign up here.⁠ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast,⁠ Tom Bilyeu's Mindset Playbook⁠ —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my⁠ Twitch stream⁠. I'm live daily from 6:30 to 8:30 am PT at⁠ ⁠⁠www.twitch.tv/tombilyeu⁠ ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS:⁠ ⁠⁠apple.co/impacttheory⁠ ********************************************************************** FOLLOW TOM: Instagram:⁠ ⁠⁠https://www.instagram.com/tombilyeu/⁠ Tik Tok:⁠ ⁠⁠https://www.tiktok.com/@tombilyeu?lang=en⁠ Twitter:⁠ ⁠⁠https://twitter.com/tombilyeu⁠ YouTube:⁠ ⁠⁠https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Common Sense Capitalism with John Catsimatidis Jr. In this week's episode of Payne Points of Wealth, we sit down with John A. Catsimatidis Jr., President and COO of Red Apple Group, a $7 billion powerhouse spanning energy, supermarkets, media, real estate, and investments. In a wide-ranging conversation, we discuss how John applies elements of Warren Buffett's investment philosophy to his own portfolio management. We forecast the direction of energy prices and their impact on inflation, and explore what Fed interest rate cuts could mean for an ailing real estate market. We also dive into Gen Z's affordability crisis and how to solve the current New York City housing shortage without resorting to socialism. John's approach to life, business, and investing is refreshingly straightforward—rooted in common sense, the ability to integrate principles across many disciplines, driven with clarity & conviction. Whether you're an investor, entrepreneur, or just curious about the current forces shaping our economy, this episode offers invaluable insights from one of NYC's rising business leaders.

Is copying Warren Buffett the fastest way to get rich? Mohnish Pabrai reveals the strategy to turn 1K into 10K in 30 days, quit your job safely, build passive income, and master the step-by-step formula millionaires actually use! Mohnish Pabrai is a renowned value investor and founder of Pabrai Funds, who is best known for his successful implementation of Warren Buffett's value investing principles. He is also the bestselling author of books such as, ‘The Dhandho Investor', which guides people on low-risk, high-return investing.  He explains:  ⬛ Why building passive income is simpler than you think ⬛ How to build a business or portfolio with no risk ⬛ Why copying ideas made Mohnish a millionaire ⬛ How to find low-risk, high-reward investment opportunities ⬛ Why 99% of people follow the wrong advice about money 00:00 Intro 02:27 Mental Models for Business and Investing 14:08 Never Start a Company for This Reason, It'll Fail 16:26 How to Focus Your Sales and Pitches 20:53 The Importance of Attention to Detail 26:39 Why the Low Engagement in 9–5 Jobs 34:44 How to Reach Financial Freedom 43:10 You Have to Reach Out to Thousands of Places 45:28 Signal vs. Noise Ratio 47:48 Ads 52:37 The 3 Categories All Humans Fall Into 56:35 How to Scale Your Company as a Solopreneur 59:25 Mastering the Art of Hiring 01:01:29 Hire Slow, Fire Fast 01:03:00 Do People Build More Wealth from Business or Investing? 01:06:12 The Magic of Compounding 01:11:10 How to Invest in Indexes 01:14:01 Ads 01:16:10 Why Do They Call You the Dhandho Investor? 01:17:45 The Patels' Framework to Take Over the U.S. Motel Industry 01:21:09 Heads I Win, Tails I Don't Lose Much 01:22:07 What Is the New Opportunity in the AI Era? 01:26:34 Business Moats 01:27:46 Loyalty Points Models 01:29:54 Is Apple a Good Investment? 01:34:55 The Importance of Making Fewer Big and Infrequent Bets 01:37:35 Is Day Trading Worth It? Can You Make Money from It? 01:38:16 Circling the Wagons Follow Mohnish: Instagram - https://bit.ly/4lCFFO6  YouTube - https://bit.ly/4fKRroh  You can purchase Mohnish's book, ‘The Dhandho Investor: The Low-Risk Value Method to High Returns', here: https://amzn.to/4mUZz88  The Diary Of A CEO: ⬛ Join DOAC circle here - https://doaccircle.com/  ⬛ Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook  ⬛ The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt  ⬛ The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb  ⬛ Get email updates - https://bit.ly/diary-of-a-ceo-yt  ⬛ Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb  Sponsors: Fiverr - https://www.fiverr.com/diary with code DIARY for 10% off your first order Netflix - http://netflix.com/title/81725526  KetoneIQ - Visit https://ketone.com/STEVEN for 30% off your subscription order Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Scott Becker covers eight key business stories including tech stock declines, Target's leadership changes, the growing US deficit, Warren Buffett's latest investments, and more.

This week on Market Mondays, we break down the biggest moves in the market as stock futures rise ahead of Zelensky's White House visit and Jerome Powell's speech at Jackson Hole. We also dive into the real risks facing retail — not Q2 earnings, but the weak forecasts driven by tariffs and cautious consumer behavior. On the crypto side, we debate if now is the right time to buy Bitcoin and share our picks for the stock or cryptocurrency with the most upside potential through year-end.We're joined by wealth-building expert Cedric Nash, who shares lessons from real estate, divorce, and prenups, as well as insights on structuring wealth that lasts. We also cover U.S. trade changes that hit Shein and Temu hard while boosting Amazon, break down why TQQQ isn't a smart long-term play compared to QQQ, and analyze Warren Buffett's surprising bet on UnitedHealth. Plus, we unpack how traders can start treating their portfolios like businesses, from reinvestments to taxes and personal spending.Later, Tabitha Brown joins us for a powerful conversation on the Target boycott, its impact on Black business owners, and the importance of marketing with purpose. We also answer the burning question for investors late to the party: what's the right entry point for NVDA? Don't miss this packed episode full of insights at the intersection of money, markets, and culture.Invest Fest Ticket Link: https://investfest.com (code: Reform) for free tickets (first 50)#MarketMondays #EarnYourLeisure #Investing #StockMarket #Crypto #Bitcoin #WealthBuilding #CedricNash #TabithaBrown #Retail #NVDA #TQQQ #QQQ #WarrenBuffett #Shein #Temu #AmazonOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Square: https://square.com/go/eylSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy