Podcasts about invest

Discover if companies will continue delivering exceptional results. The stock market has surged to new highs, but investors are now wondering whether the momentum can continue as we head into the historically volatile fall months. Beneath the headlines, an important shift is taking place that could have major implications for where stocks go next. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

Nadine Chakar, Global Head of DTCC Digital Assets, joined us to discuss DTCC's plans for asset tokenization and its vision for bringing financial markets on-chain.Topics:- DTCC Tokenization plans- Stock Tokenization Risks- Which asset classes will be tokenized- Will Institutions create their own blockchains- Future of markets

In this episode of the Tactical Living Podcast, hosts Coach Ashlie Walton sits down with Fire Captain Mark Andrew — author of Leading Through the Heat and a career firefighter who has spent decades learning what separates leaders who earn loyalty from the ones who lose it. This is not a corporate leadership conversation. This is leadership forged in fire — literally. Mark brings the raw, honest, and practical lessons that only come from leading people through the moments where everything is on the line and there is no room for ego, micromanagement, or empty authority.

A lot has changed since the last time we pulled up chairs around the Boring Bar. For our fourth edition, eight manufacturing leaders joined us in the MakingChips studio ahead of the IMTS pre-party to talk about where the industry is headed and, after a couple pours, where they think it should be headed. AI takes over the conversation early. How fast is it really moving into manufacturing? What happens when it can quote jobs, write code, capture tribal knowledge, or help program a part? Where does the human still matter? And are we actually prepared for the power, infrastructure, workforce, and even educational questions that come with all of it? Then we turn the question back on ourselves. If you were starting a machine shop in 2026, knowing everything we know now, would you build it the same way? What would you invest in first? What kind of equipment would you buy? How would you think about automation, people, capacity, specialization, cash flow, and the growing list of incentives available to manufacturers? Along the way, we get into what's driving demand right now, why data centers suddenly matter to machine shops, what manufacturers should be watching at IMTS, and whether the next generation of shops will look anything like the ones we grew up around. As usual at the Boring Bar, there are strong opinions, questionable jokes, bourbon, gin, and a few detours we definitely didn't plan. Pull up a chair. What's Covered in this Episode (0:00) The fourth edition of the Boring Bar, back in the MakingChips studio + introductions (5:43) IMTS 2026 registration is running ahead of 2018, the largest show on record (6:36) The IMTS pre-party, the rally car, and what the night is really for (7:44) What's changed for everyone since the last Boring Bar (9:27) Data centers: Are they the engine behind this year's growth? (12:43) The 37 minute AI prompt that produced a consultant grade report (13:30) Hallucinations, beach reads that did not exist, and why you verify (18:39) Training on AI, where it's going, and why everyone needs to embrace it (25:33) The stage zero most shops skip: Security, then application  (26:48) How quoting has been compressed from days to minutes (28:19) The IMTS Industrial AI Conference and the Industrial AI Arena (29:28) The IMTS Job Shops Workshop and the AI for the job shop session (30:36) ProShop goes AI first, plus native machine monitoring, AI quoting, and Chip (33:21) Programming a part with AI after 30 years away from it (37:00) Capturing tribal knowledge so each job teaches the next (42:21) The machine tool giveaway with DN Solutions + Kennametal (42:38) The big question: how would you start a machine shop today (47:49) Invest in infrastructure first (digital and physical) (55:25) What will be your guiding metrics? Availability, performance, and quality (57:34) Run the shop lights out yourself, then replicate yourself with each hire (1:04:05) Three business skills for a new shop: cash, capacity, and credits (1:06:15) $3,500 per apprentice, plus the tax tools that arrived in July of 2025 (1:09:20) The Lights Out guest with a fab shop, a water plant, and a coal mine (1:15:32) The comp sci grad who chose trade school over a job AI could take (1:22:12) Generation CNC: teenagers buying their first machines (1:23:34) Math as a barrier, and why we should not exclude kids (1:26:48) The importance of Oscar Mike and Manufacturing Pathways (1:28:45) Machine giveaway: DN Solutions, Kennametal, SMW Autblok, and Martin Trunnion Tables Resources Mentioned IMTS 2026 IMTS Industrial AI Conference IMTS Student Summit DN Solutions Kennametal ProShop ERP SMW Autoblok Hennig CLA AMT The $3,500 Apprenticeship Incentive Oscar Mike Foundation Manufacturing Pathways Consortium Connect with Our Guests Connect with Larry on LinkedIn Connect with Bonnie and MC Connect with Jennifer Connect with Mike Connect with MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

In this episode of the Lead Ministry Podcast, Josh Denhart and Bill Van Kirk explore the multiplication principle behind Dawson Trotman and the early Navigators: do not merely teach people — teach people who can teach others. Using 2 Timothy 2:2 as the foundation, they connect that vision to the life-on-life investment Josh received as a young Christian and the leaders he later developed.If you want your ministry and faith to continue beyond your personal involvement, this episode will challenge you to invest deeply in a faithful few and teach every lesson with the next generation already in view.KEY TOPICS COVEREDThe Early Navigators – Dawson Trotman, Navy sailor Les Spencer, and the words “You teach him”The 2 Timothy 2:2 Pattern – Teaching faithful people who can teach othersLearning With Someone Else in Mind – Receiving truth in a way that prepares you to pass it onThe Faithful Few – Choosing your 12, your 3, and your 1A Legacy Beyond You – Measuring ministry by what continues after you are goneKEY QUOTE“Teach people who can teach people to teach people.”SCRIPTURE REFERENCES2 Timothy 2:2 – Entrust what you have learned to faithful people who will teach othersMark 3:14 – Jesus appoints the twelve to be with Him and to be sent outMatthew 28:19-20 – Make disciples and teach them to obey everything Jesus commandedTAKEAWAYDo not listen, learn, or lead with only yourself in mind. Invest deeply in faithful people, tell them from the beginning that the message must keep moving, and teach them in a way that prepares them to teach someone else.CALL TO ACTIONWe hope this episode encourages and equips you. Share it with a friend and stay tuned for more resources each week.STAY CONNECTED FOR MORE RESOURCESVisit our website: http://leadministry.comFollow us on Facebook: https://www.facebook.com/LeadVolunteersFind us on Instagram: https://www.instagram.com/leadvolunteers

Dr. Killeen shares a simple mindset that can transform the way you think about your time, money, and daily decisions. Every choice falls into one of two categories: you're either investing in something that creates long-term value or you're spending on something that offers only a short-term reward. Learning to recognize the difference can have a powerful impact on both your practice and your personal life. From continuing education and technology investments to training your team and protecting your focus, this episode explores why the best returns often require discomfort upfront. Dr. Killeen encourages listeners to pause before their next big decision and ask one question: Is this an investment that will compound over time, or am I simply spending?

The Context of White Supremacy hosts the Counter-Racist Weekly Review 08/29/26. This broadcast examines current events from across the globe to learn what's happening in all areas of people activity. We cultivate Counter-Racist Media Literacy by scrutinizing journalists' word choices and using logic to deconstruct what is reported as "news." We'll use these sessions to hone our use of terms as tools to reveal truth and neutralize Racists/White people. #ANTIBLACKNESS **Wisconsin Race Soliders Hoarding Skulls Again**: A White Man in Fond Du Lac, Wisconsin. FOX11 News reports that 47-year-old Benjamin Larson's was arrested after authorities "found many disturbing items, including books, documents and memorabilia related to murders and serial killers. Skeletal remains, including many apparent human skulls, were also found." Jeff Dahmer, Max Anderson, White Culture. **Sade C. Robinson**: Larson arrest and stash of human remains dramatically underscores Gus's ongoing efforts to obtain all public records related to the criminal case of Sade C. Robinson. At this juncture, Milwaukee courthouse Race Soldiers Judge Laura Crivella, court reporter Julie Persinger and their Racist courthouse lackeys continue to obstruct Justice. **Was Dr. Frances Cress Welsing correct about Recreational Cannabis?**: We'll review a WNYC segment where New York Times' Roni Caryn Rabin details a new JAMA study showing a growing number of US residents are self-reporting cannabis addiction and dependency. The great Neely Fuller Jr. warned non-white people about letting others (especially Racists) increase our needs. **Brain Damage & The NFL**: A sobering new report shows that at least 25% of NFL players in this study tested positive for CTE (brain damage). The most important aspect of this report is that more than half the players who did not test positive for CTE did not have their brain tested at all. Thus, the number of players with brain damage is logically much higher. Some NFL analysts speculate this sort of info could eventually end tackle football. #TheCOWS17Years #JusticeForSade #EmmettLouisTill #CounterRacism #GlobalWhiteSupremacy #BenjaminLarson #CTE FondDuLac #Wisconsin #Milwaukee #Cannabis #PennState Call-In Number: 720.716.7300 Code: 564943#

Zach Pandl, Head of Research at Grayscale Investments, joined me to discuss Bitcoin's recent price surge, what's driving the rally, and what could come next for the broader crypto market. Topics: - Is Crypto back in a bull market? - SEC Regulation Crypto - Will the Clarity Act pass in September? - Grayscale Zcash ETF goes live on the NYSE Arca

Trump's decision to hike Canada auto tariffs to 50% after trade talks collapsed marks one of the most aggressive moves yet in the ongoing US-Canada trade war. We explain how this reshapes auto supply chains, raises car prices for American consumers, and what the broader tariff escalation signals for North American economic integration.Today's Stocks & Topics: The Hershey Company (HSY), Market Wrap, DICK'S Sporting Goods, Inc. (DKS), Memory Squeeze, Gold, Trade War 2.0: Canada Auto Tariffs Hit 50% and What It Means for Your Wallet, Target Corporation (TGT), Blue Bird Corporation (BLBD), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, KPP Newsletter, Long Term Care in Retirement.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

The Katherine Massey Book Club @ The C.O.W.S. hosts Session 8 on The Memoirs of Robert & Mabel Williams: African American Freedom, Armed Resistance, & International Solidarity. Moving forward from last week's recap of numerous attempts to kill the Williams' family, we'll pick up with Chapter 47. Recap of last week and Robert Williams' increased commitment to publicizing their Counter-Violence program: Hypocrisy of Non-Violence: Williams once again points out that White and non-white people are quick to reject and/or protect White people from counter-violence in response to Racism. But these same White and non-white people are silent about the daily White Terrorism against black people. 'Kidnapping' The Stegalls: Robert Williams is accused of kidnapping a White couple in August of 1961. The Stegalls allege that they accidentally drove to wrong part of town. They demand that Robert F. chauffeur them to safety. When he refuses, they bogart there way into his residence for refuge. Kickin' It With Castro: The entire Williams family relocates to Cuba after being pursued for specious claims of kidnapping the Stegalls. Once there, Fidel Castro welcomes then warmly and endorses black people of the US battling against Racism. Williams observes that some of the other so called Cubans seem less enthused about countering-racism. He also notes a large number of spies and finks on the island. #COINTELPRO #TheCOWS17Years #JusticeForSade #WorkplaceViolence #CounterRacism #SafetyFirst #GlobalWhiteSupremacy #Labor Call-In Number: 720.716.7300 Code: 564943#

Crypto News: Bitcoin and altcoins see price pullbacks. Fed chair Kevin Warsh comes out hawkish hinting at rate hikes. Investors at least $4.7 billion underwater across Trump crypto ventures, Public Citizen says.

Every couple asks the question: How can we manage our money to invest in the things that truly matter? With work, family, and school, it can be hard to find balance. Russ Crosson has over 40 years of experience managing money from a Christian perspective. He gives helpful tips for “using your money to buy time” to invest in your family – whatever stage of life you are in!Receive a copy of the "Your Life...Well Spent" bundle and an audio download of "How to Wisely Invest Your Time and Money " for your donation of any amount! Plus, receive member-exclusive benefits when you make a recurring gift today. Your monthly support helps families thrive.Get more episode resources Do you have a story or comment on how Focus on the Family impacted you or your family? Leave a message for Jim Daly!If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

The US dollar is hovering near multi-month lows as debt concerns and geopolitical risk unnerve investors, and that weakness has ripple effects across everything from import prices to emerging market assets. We break down why the dollar is under pressure, who wins and who loses, and what a sustained dollar slide would mean for the American investor.Today's Stocks & Topics: Danaher Corporation (DHR), Market Wrap, NICE Ltd. (NICE), Electricity Prices, Devon Energy Corporation (DVN), Why Is the Dollar Weakening? What Multi-Month Lows Mean for Your Purchasing Power, Saving to Buy a House, Buzzi S.p.A. (BIT:BZU), Grab Holdings Limited (GRAB), Rare Earth Metals.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

Discover what Fed Chairman Warsh is signaling to investors. The investment landscape may be changing, and understanding what the Fed is signaling could help you recognize both the risks and the opportunities ahead. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

Send us a text!In this episode we sit down to talk with Joel Webbon about the more controversial aspects of his online presence. From his views on Christian nationalism to his upcoming conference with NXR, Joel has gained a large following of fans and haters.New Christian Right Conference - Christ is King: America After Trump - https://newchristianright.com/conference/ USE CODE: OGDEN for 20% OffThe Seed Of Abraham by Andrew Isker is available now! - newchristendompress.com/abraham Did you know supporters of the show get ad-free video and audio episodes delivered early and access to our patron exclusive show the After Hours and interactive live streams with Eric and Brian? https://www.patreon.com/thekingshallThis episode is sponsored by: KeepwisePartners.com your partner for small business finance and accounting. Call Derrick Taylor at 781-680-8000 to schedule a free consultation. https://keepwise.partners/Talk to Joe Garrisi about managing your wealth with Backwards Planning Financial. https://backwardsplanningfinancial.com/Christian business owners go to reformedbusinessalliance.com/ncp and use code NCP to claim your free month.Invest in your business, your family, and your future go to http://Appalachiadigital.com/ncp to book a strategy call.Small Business Surthrival - Visit https://smallbizsurthrival.com/kingshall to apply for a one hour advisory call.Hand in Hand Promos - Visit https://www.handinhandpromos.com/ and reach out. Kings Hall listeners get 15% off their first order.White Tree Solutions - Call William at (952) 209-9638 or visit https://www.wtsdata.com/Brian's new album "Long Day, Short Years" is out now and streaming everywhere! Check it out here: https://www.briansauve.com/longdays If you're a Christian business owner who wants to reach thousands of like-minded people and grow your company, we'd love to partner with you. Email us at advertising@NewChristendomPress.com Support the show:https://www.patreon.com/thekingshall

Raising capital is essential for scaling a business or real estate portfolio, but accepting the wrong money can lead to costly partnership disputes. In this episode, we explore the critical importance of vetting your capital partners with the same rigor they use to evaluate your deals.Discover the seven essential questions every operator must ask potential investors before accepting a wire transfer. From understanding liquidity timelines to identifying true risk tolerance, these insights will help you find aligned investors and protect your long-term success.KEY TOPICS DISCUSSEDThe hidden risks of accepting unvetted outside capital for real estate dealsNavigating and avoiding costly real estate partnership disputesDetermining an investor's true liquidity timeline and capital reservesAssessing the origin of investment capital to determine risk profilesManaging expectations for first-time versus seasoned asset class investorsDefining acceptable levels of passive investor involvement and decision-makingEstablishing an investor's pain threshold and tolerance for bad outcomesKEY TAKEAWAYSJust because someone is willing to write a check doesn't mean you should take their money into your deal.Always ask an investor what their timeline is and what life events might suddenly change their need for liquidity.Clarify exactly how involved a passive investor expects to be in the day-to-day operations or decision-making process.Ask potential capital partners to define what a bad outcome looks like to gauge their true tolerance for market volatility.Investors who understand your thesis will remain calmer during rough patches compared to those just chasing high returns.CONNECT & TAKE ACTIONVisit skylineocresidences.com to discover luxury homeownership and exceptional value at Skyline OC.Invest in the Imagos Income Fund for steady passive returns targeting 10%. Text INCOME to 844-447-1555.Get a free financial portfolio X-Ray to audit your current investments. Text XRAY to 844-447-1555.Partner with the team on commercial real estate equity deals. Text DEALS to 844-447-1555Access tools and resources for your wealth-building journey: thewiseinvestorvault.com

On this week's Neutralizing Workplace Racism, we dissect a high-friction landscape where legal weaponization, systemic discrimination, and severe physical threats converge within the employment sector. This week's news reports validate our continuous thesis: as institutional systems fracture, workers face dual perils—coercive legal gag orders from above and unaddressed carceral violence from within their own operational spaces. We deconstruct the critical data blocks exposing how corporate entities use administrative maneuvers to silence complaints, cover up systemic bias, and manage workplace trauma THE CORES OF THIS WEEK'S BROADCAST TRANSMISSION: 1. The Gulf States Gumbo NDA Audit: We analyze the pervasive use of Non-Disclosure Agreements (NDAs) in Louisiana and abroad. We expose how corporations weaponize these severance clauses during terminations to permanently purchase a worker's silence, strip them of their public voice, and conceal ongoing systemic abuse across the job market. 2. The Washington Post Rehire Mandate: We deconstruct the landmark arbitration ruling ordering the corporate news giant to rehire a wrongfully terminated opinion writer. We evaluate this rare labor victory against arbitrary executive gatekeeping, analyzing the precise paper trails required to successfully counter a major corporate termination block. 3. The St. Louis Sheriff's Federal Settlement: We evaluate the structural resolution of 13 distinct racial discrimination and harassment charges filed with federal authorities against the St. Louis Sheriff's Office. We examine how municipal law enforcement agencies are forced to settle when confronted with unvandalized records of systemic workplace bias. 4. The Lodi McDonald's Employee Fatality: We review the raw data from the August 24, 2026, workplace shooting where a disgruntled fast-food worker opened fire on a coworker before being neutralized by arriving police units. We outline the severe failure of corporate security protocols and the expanding reality of physical workplace peril. Between weaponized legal contracts, corporate media firings, and active firearms exchanges on shift, maintaining a clinical, data-driven boundary remains your only valid metric of survival. Your absolute priority on the clock is not seeking institutional validation or relying on corporate "wellness" programs—it is enforcing a strict "Workplace Matters Only" perimeter, archiving your administrative receipts with absolute precision, and minimizing your daily footprint to exit your shift completely intact. #TheCOWS17Years #JusticeForSade #WorkplaceViolence #CounterRacism #SafetyFirst #GlobalWhiteSupremacy #Labor Call-In Number: 720.716.7300 Code: 564943#

Crypto News: Charles Schwab adds altcoins Solana, Avalanche and Chainlink to nascent crypto platform. XRP treasury firm Evernorth said its SEC Form S-4 related to its business combination with Armada is now effective, allowing progress toward a Nasdaq listing. UK to formally order Bank of England to advance stablecoin and digital money innovation.

Welcome to Clint's HOT Props!! Come get the hottest props in the game! Fresh off the grill! On this show we preview our favorite props for UFC Shanghai and try to score big. Good luck gamblers!► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off a► Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/Follow me!Twitter (x): @DieHardMMAPod Instagram: https://www.instagram.com/diehardufc/ Facebook: https://www.facebook.com/DieHardMMAPodcast BlueSky: @diehardmmapod.bsky.social

Join me as I review UFC Shanghai from a totals perspective. We review my favorite totals on the board and discuss the betting lines for each of them. Lets go over or under and try to give you an alternate way to bet the fight if you cant pick a side!► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off► Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/Follow me!Twitter (x): @DieHardMMAPod Instagram: https://www.instagram.com/diehardufc/Facebook: https://www.facebook.com/DieHardMMAPodcastBlueSky: @diehardmmapod.bsky.social

Germany's Ifo Institute reported this week that its aging population is pushing social spending to record highs, a fiscal dynamic that closely mirrors the pressures the US Social Security and Medicare systems are heading toward. We examine what demographic-driven fiscal stress looks like, how it affects bond markets and currency strength, and what lessons American investors can draw.Today's Stocks & Topics: Old Dominion Freight Line, Inc. (ODFL), Market Wrap, Sibanye Stillwater Limited (SBSW), Lockheed Martin Corporation (LMT), The Charles Schwab Corporation (SCHW), Single Stock ETFs, Barrick Mining Corporation (B), Germany's Aging Population and Record Social Spending: A Preview of America's Fiscal Future?, State Street SPDR S&P Health Care Services ETF (XHS), Sectors to Invest In, LeMaitre Vascular, Inc. (LMAT), The Hackett Group, Inc. (HCKT), Caterpillar Inc. (CAT), GE Vernova Inc. (GEV), Bad Investments.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

In this episode of the Earn and Invest podcast, host Doc G shares his personal insights after entering the decumulation (spending down) phase of retirement with his wife a year and a half ago. Because his wife retired and his own part-time income covers only about a third of their spending, they are actively drawing from their assets, though Doc G notes that the compounding power of their portfolio means their net worth could still continue to grow Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when one of investing's original disruptors buys one of the industry's newest disruptors? Barry Ritholtz thinks investors may be the biggest winners and Bill and Jackie dig into why. This special breaking-news is an excerpt from an upcoming Catching Up to FI episode, recorded on 8/26/26. Barry reacts to Vanguard's newly announced agreement to acquire Altruist, the fast-growing technology and custody platform built for independent financial advisors. Barry also gives an important disclosure: he's an Altruist investor, so yes, he has a dog in this fight. From there, he explains why combining Vanguard's enormous scale with Altruist's technology could quickly reshape the custody business, put fresh pressure on Fidelity and Schwab, and potentially extend the famous "Vanguard Effect" into another corner of financial services. Bill calls it "disruptor squared." Barry sees an industry that never stands still. And if competition drives prices lower again, investors may ultimately be the ones cashing the biggest check. This episode covers Barry's immediate reaction to Vanguard's agreement to acquire Altruist His disclosure that he is an Altruist investor and financially benefits from the deal Why Altruist's clean-sheet technology made it an attractive challenger to legacy custodians How Vanguard's scale could immediately change Altruist's competitive position Why Fidelity and Schwab may suddenly have a much larger third competitor The "Vanguard Effect" and how competition can push fees lower across an industry Why Barry believes investors could be the biggest winners from the acquisition How Schwab and Robinhood previously disrupted investing through lower-cost and free trading Why Vanguard was a logical potential acquirer given its earlier relationship with Altruist Barry's larger lesson that financial technology never stands still    The Full Episode with Barry Ritholtz will be coming out soon! Be sure to follow the show or subscribe to the channel on YouTube, so you don't miss it!"   === SUPPORT  THE  SHOW ===

Crypto News: SEC resurrecting U.S. crypto custody rule the previous administration failed to land. Bank of America, Wells Fargo, Santander & over a dozen major banks move forward with plans to launch a crypto stablecoin. Ripple's RLUSD stablecoin crosses $2B in market cap, with $963M issued on the XRP Ledger and $1.1B on Ethereum.

Gold has seen its best month since 2008. Should you buy the gold ETF or gold mining stocks? (0:30) - Should You Be Investing Into Gold Right Now? (4:15) - Are ETFs The Best Way to Gain Exposure Into Gold? (19:45) - Top Stock Picks For Your Watch List (47:10) - Episode Roundup: GLD, GDX, GDXJ, NEM, AEM, BTG

Mohnish Pabrai's Interview with Brandon van der Kolk at New Money on July 21, 2026. (00:00:00) - Introduction (00:00:35) - Investing in Berkshire Hathaway Class B shares (00:03:02) - Berkshire Hathaway: Handling a trillion-dollar portfolio (00:06:19) - Berkshire's investment in Google (00:09:36) - The gold rush: Memory businesses; Micron (00:12:36) - Kaspi (00:16:19) - Your deepest desire is your destiny; Finding stocks on Value Investors Club (00:22:15) - Invest in your highest conviction bets (00:25:50) - How to decide about investing in a stock; Adobe vs. Kaspi (00:28:44) - SpaceX; Elon Musk (00:32:54) - The too hard pile (00:35:59) - Evaluating the management; NVR (00:39:55) - Focus: The most important mental model (00:41:20) - When to exit from a position; Impact of business moats The contents of this website are for educational and entertainment purposes only, and do not purport to be, and are not intended to be, financial, legal, accounting, tax or investment advice. Investments or strategies that are discussed may not be suitable for you, do not take into account your particular investment objectives, financial situation or needs and are not intended to provide investment advice or recommendations appropriate for you. Before making any investment or trade, consider whether it is suitable for you and consider seeking advice from your own financial or investment adviser. Views expressed on Chai with Pabrai are exclusively those of Mohnish Pabrai and not of any affiliated firm or organization.

I've been a father for 13 years at this point.     And beyond learning how to be a better person, came the challenge of becoming a better father, but there's a simple fact you have to remember as a parent.....   We don't stop growing when we become parents.    And we don't stop growing when the kids leave the house at 18.    This is a lifelong journey we take with our children.    Year 8 is going to be different from year 13.     Year 13 is going to be different from year 17.    Experiences, challenges, and lessons are all products of the parent-child relationship.    And guess what, you'll never completely master it as long as you are continuing to build upon the solid foundation you established.    If the foundation is wobbly right now, assess where you can make changes.     Be better.    Be patient.    Invest the time to teach with compassion.    Show them the right way and the best way to do things.    If you don't know what is the right way, think about the parents you respect the most.    They'll share their secrets.     Whatever you do, don't quit.    About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/   Rise Above 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Raoul Davis. CEO branding expert and partner at Ascendant Group Branding:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Raoul Davis. CEO branding expert and partner at Ascendant Group Branding:

Ray Dalio warned this week that Treasury Secretary Bessent's market intervention signals a debt crisis is getting closer — and he's recommending gold and bitcoin as hedges. We dig into what the bond market is telling us about US fiscal sustainability and whether Dalio's alarm bells should change how everyday investors position themselves.Today's Stocks & Topics: Costco Wholesale Corporation (COST), Market Wrap, TTM Technologies, Inc. (TTMI), Oil Markets, The Manitowoc Company, Inc. (MTW), Ray Dalio's Debt Crisis Warning: Is the US Heading for a Fiscal Breaking Point?, Energizer Holdings, Inc. (ENR), Digital Core REIT (SGX:DCRU), T. Rowe Price Group, Inc. (TROW), Saving to Buy a House.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

Discover the latest inflation report and 7-year inflation numbers. With several important forces pulling the economy in different directions, this is a pivotal time to understand the bigger picture, tune out the daily noise, and focus on the trends that could have the greatest impact on your wealth. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

We break down the massive implications of the U.S. Treasury's multi-billion dollar buyback program and how direct bond market intervention is shifting yields. The conversation also explores incoming PCE inflation data, expected Nvidia earnings, and what the financial policies discussed at Jackson Hole mean for upcoming Federal Reserve rate decisions.Beyond the macro setup, we analyze Bitcoin's recent breakout to determine if the bear market is truly over amid anticipated institutional adoption. Finally, we map out the five non-negotiable rules for raising investor capital and break down the four unique types of leverage you can use to secure real estate ownership today.KEY TOPICS DISCUSSEDU.S. Treasury buybacks and direct bond market interventionPCE inflation data and future Federal Reserve rate pause predictionsNvidia earnings expectations and impact on the broader tech sectorJackson Hole economic symposium and the proposed Crypto Clarity ActBitcoin price breakouts and expanding institutional market adoptionThe five non-negotiable rules for successfully raising investor capitalFour distinct types of capital used to aggressively acquire real estateKEY TAKEAWAYSThe Federal Reserve is heavily leaning toward rate pauses rather than cuts, shifting the focus to direct treasury interventions to lower bond yields.Sustained Bitcoin all-time highs will likely depend on the passage of the Crypto Clarity Act and the subsequent entry of regulated U.S. government purchasing.Leading with a deal's downside risk and stress-testing potential threats is the fastest way to build credibility with sophisticated capital investors.You do not always need liquid cash to acquire real estate; sourcing the deal, operating the asset, or leveraging your personal balance sheet are equally valuable forms of capital.Never pitch an investment opportunity that you do not have ultimate operational control over, as protecting investor capital requires executive decision-making power.CONNECT & TAKE ACTIONVisit skylineocresidences.com to discover luxury homeownership and exceptional value at Skyline OC.Invest in the Imagos Income Fund for steady passive returns targeting 10%. Text INCOME to 844-447-1555.Get a free financial portfolio X-Ray to audit your current investments. Text XRAY to 844-447-1555.Partner with the team on commercial real estate equity deals. Text DEALS to 844-447-1555.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Raoul Davis. CEO branding expert and partner at Ascendant Group Branding:

Crypto News: U.S. state banking associations plan to launch their own nationwide blockchain network. BlackRock has cut minimum for private in-kind creations on iShares Bitcoin ETF to $1 million. Franklin Templeton partners with HashKey to offer tokenized money market fund in Asia.

Cody Carbone, CEO of The Digital Chamber, joined me to discuss the recent White House Crypto Summit, the SEC's release of its Regulation Crypto guidance, and whether the CLARITY Act can finally pass the Senate in September.

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

Marcus Ogden shares his inspiring journey from NFL athlete to successful speaker and coach, emphasizing resilience, authenticity, and purpose-driven living. Discover how adopting a bison mindset can help you face life's storms and unlock endless possibilities.Key topicsThe bison mentality and its relevance to facing challengesMarcus Ogden's personal story of failure, resilience, and successThe importance of living with purpose and integrityStrategies for delivering value as a speaker and coachThe role of authenticity in personal and professional growthLessons learned from NFL, entrepreneurship, and life hardshipsThe significance of resilience under pressure and how to develop itThe impact of living a purpose-driven life on success and fulfillmentAdopt the bison mentality: face problems head-on, not avoid them.Live with purpose, integrity, and self-awareness to succeed.Resilience is built through facing hardships, not avoiding them.Authenticity and living true to oneself attract success.Focus on delivering value and customizing your approach to clients.Never quit, even when facing setbacks or failures.Invest in yourself and prioritize self-love and authenticity.For more: Marques Ogden | Leadership Keynote Speaker

The Senate has delayed work on the Clarity Act while regulators continue building a broader framework for digital assets, with the White House preparing a meeting of crypto executives, the SEC, and the CFTC. We will walk through what a regulatory framework would actually change for ordinary investors, and how to evaluate this space without treating it as a portfolio cornerstone. Today's Stocks & Topics: Robinhood Markets, Inc. (HOOD), Market Wrap, Cracker Barrel Old Country Store, Inc. (CBRL), Private Credit, Joby Aviation, Inc. (JOBY), Regulation catches up to digital assets, Rubrik, Inc. (RBRK), EnerSys (ENS), Investment Loss, AAON, Inc. (AAON), US Packaged Food Companies.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

If there’s one of these stories that Jesus told that has most impacted my life, it is this one. It’s a guide for daily living and it will meet you exactly where you are every day of your life. The moral of the story – JUST BE FAITHFUL. What happens when you are faithful with little? God sees you can be trusted with more. What happens when you aren’t faithful with little? God knows he simply can’t give you more. Whatever you’re doing with what you’ve already been given determines what you’re given next. The story Jesus tells is about money, but I assure you this is a lesson on more than just finances. This is about your time. This is about your talent. This is about your treasures. Today, God is asking each of his girls to take an inventory and measure what we’ve been doing with what we’ve been given. Maybe you’ll find what I’ve found … it’s time to step up and do more with what I already have before I ask for one more thing. Okay, so it’s story time and it’s a long story. Grab your Bible and read along. I’ll insert a few details along the way to help you understand the story Jesus is telling us. Matthew 25: 14-30 Again, the Kingdom of Heaven can be illustrated by the story of a man going on a long trip. He called together his servants and entrusted his money to them while he was gone. He gave five bags of silver to one, two bags of silver to another, and one bag of silver to the last—dividing it in proportion to their abilities. He then left on his trip. Some translations will read ‘talents’ and that means money. My translation reads silver, again meaning money. How much money are we talking about? Answer: A ridiculous amount of money. All 3 of them received MUCH. One talent or bag was around 75 pounds of silver. To put that into perspective, the smallest measure of money given here was about 16 to 20 years of daily wages. The story Jesus is telling isn’t about the dollar amount – everyone received a lot from their master, even the one who received the least. The story is about faithfulness with what is given. The servant who received the five bags of silver began to invest the money and earned five more. The servant with two bags of silver also went to work and earned two more. But the servant who received the one bag of silver dug a hole in the ground and hid the master's money. What do you think digging a hole in the ground and hiding away what you’ve been given would look like? Wouldn’t it look like wasting it? Wouldn’t it look like doing nothing with it? Wouldn’t it look like playing it safe? Yes. And wouldn’t it sometimes look like waiting until you’re more qualified, more confident, more ready? Wouldn’t it look like comparing what you have to what someone else has and deciding yours isn’t enough? Wouldn’t it look like being so afraid of losing what you’ve been given that you never actually use it? A buried gift is simply an unused gift. It’s the thing you’ve been entrusted with, but you’ve done absolutely nothing with it. It’s the talent to sing, but you’re too afraid to raise your voice for the One who gave it to you. It’s the money to give, but you’re too concerned about what they might do with it. It’s the story you’ve lived, but you’re too ashamed to tell it because you don’t want anyone to know where you’ve been. It’s the opportunity in front of you, but you’re too afraid to fail. It’s the idea God put in your heart, but you’ve talked yourself out of it before you’ve ever taken the first step. It’s the time you have, but you’ve spent it scrolling and staying busy instead of investing it in what matters. It’s the people God has placed around you, but you’re so distracted by your own life that you never stop long enough to pour into theirs. It’s the calling you’ve sensed, but you’ve buried it under a thousand excuses: “I’m too old. I’m too young. I’m not qualified. I’m not ready. Someone else could do it better.” Are you the one who has buried what you’ve been given? You haven’t invested it. You haven’t put it to work. You haven’t used it to build or grow or impact. You’ve simply buried it. Waiting. Sometimes that’s exactly how we waste what God has given us. Not by doing something terrible with it—just by doing nothing with it. Girl, do you have a hole in the ground where your calling is buried? You’ve been given so much, but you’re not doing anything with it. Not really. And you know it. What has God placed in your hands that you’ve stopped using. Look at your time, your talents and your treasures – what’s sitting stagnant in your life? What opportunity, gift, resource, idea, story, or calling have you buried because fear convinced you it was safer underground? Well, what happens when God has given us something but we have refused to use it? What happens when we’re not faithful with what we’ve already been given? Here comes the rest of the story … After a long time their master returned from his trip and called them to give an account of how they had used his money. The servant to whom he had entrusted the five bags of silver came forward with five more and said, ‘Master, you gave me five bags of silver to invest, and I have earned five more.' The master was full of praise. ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let's celebrate together!' The servant who had received the two bags of silver came forward and said, ‘Master, you gave me two bags of silver to invest, and I have earned two more.' The master said, ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let's celebrate together!' Then the servant with the one bag of silver came and said, ‘Master, I knew you were a harsh man, harvesting crops you didn't plant and gathering crops you didn't cultivate. I was afraid I would lose your money, so I hid it in the earth. Look, here is your money back.' But the master replied, ‘You wicked and lazy servant! If you knew I harvested crops I didn't plant and gathered crops I didn't cultivate, why didn't you deposit my money in the bank? At least I could have gotten some interest on it.' Then he ordered, ‘Take the money from this servant, and give it to the one with the ten bags of silver. To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away. Now throw this useless servant into outer darkness, where there will be weeping and gnashing of teeth.' The master is God, and when the master returns he calls for each of us to give an account of how we used everything he has given us. It doesn’t matter what you’ve been given or how much you’ve been given – what matters is what you’ve done with it. The master wants to know. It matters! If you’ve been given 40 years of life – what have you done with those 40 years? If you’ve been given 2 children – what have you done with those 2 children? If you’ve been given a weekly paycheck of $1000 – what have you done with that pay? If you’ve been given a 2,000 square foot house – what have you done with that house? If you’ve been given mercy and grace from past mistakes – what have you done with that mercy and grace? If you’ve been given health – what have you done with that body that can move and go? You never see the master asking a servant to produce the same as what another servant produced. He’s not comparing. The master is asking each one to produce with precisely what they’ve been given. He expected each one to do something with what they had. It’s so easy for us to look at someone with extreme wealth and assume we would be so ridiculously generous if we were in their position. Oh, the good we would do with their money! But God isn’t fooled! Who you are with a $40,000 salary is who you would be with a $40 million dollar salary. More money just makes you more of who you already are. Without children it’s easy to paint a fantasy world of how we would sing sweet songs as we cooked breakfast for our little angels. Girl, if you’re not singing songs while you feed the dog, you certainly wouldn’t sing cooking for ungrateful creatures who refuse to eat. Isn’t it fun to fantasize about what you would do with a big new house with all that storage space? Oh to have a butler’s pantry! Oh mercy, walk in closets in every room! Built in storage in the garage. But do you know what you would do with it – the same exact thing you’re doing with a smaller house. If you’re complaining about this one, you would complain about that one. If you’re messy with this one, you would be messy with the next one. If you’ve overfilled this one with junk, you would overfill the next one with bigger junk. Have you ever thought – well if I could sing like her I would use it for God in big ways? Uh huh – well girl, you can cook – are you cooking for God? You can talk to a rock – are you talking to others for God? You can clean – are you cleaning that church building for God? Really, let’s check ourselves. So, let’s get to the point of the story Jesus is telling. The point isn’t to make you feel guilty about what you haven’t done. The point is to wake you up to what you still CAN do. Because here’s the beautiful thing about this story: You are not standing at the end of your story. You’re standing in the middle of it. And if you’ve buried something, you can dig it up now! If you’ve been sitting on something, you can put it to work today. If you’ve been waiting, you can start right here. The master hasn’t returned YET – but he may soon. And he’ll want to know what you’ve done with what he’s given you. You don’t have to have five bags. You don’t have to be the most talented, the most educated, the wealthiest, the prettiest, the healthiest, or the most qualified. You just have to be faithful with what is already in your hands. Stop looking at what she has. Stop wishing you had her life, her resources, her opportunities, her gifts, her energy, her story or her butt. That’s not your assignment. Your assignment is your life. Your people. Your resources. Your opportunities. Your gifts. Your story. Your time. And maybe you’ve been waiting for God to give you more when He’s been waiting for you to do something with what He’s already given you. Today, let’s stop asking for more and instead ask this – “God, what have you already given me that I’m not using?” Then let’s dig it up. Use it. Invest it. Give it. Share it. Build with it. Love with it. Serve with it. Do something with it. Because one day, the Master is coming back. And when He does, I don’t want to stand before Him with a list of reasons why I was afraid. I want to stand there with open hands and say, “You gave me this—and I gave it everything I had. I did everything I could with it God. It hasn’t been perfect, but I sure tried.” And I want to hear those words every one of us longs to hear: “Well done, my good and faithful servant.” Notice what the Master celebrates. He doesn’t say, “Well done, my successful servant.” He doesn’t say, “Well done, my impressive servant.” He says, “Well done, my GOOD and FAITHFUL servant.” That’s the goal. Not bigger. Not better. Not more impressive. Faithful. JUST BE FAITHFUL. Faithful with the little. Faithful with the much. Faithful when nobody is watching. Faithful when it feels insignificant. Faithful when you’re tired. Faithful when you’re afraid. Faithful with the time, the talent, the treasure, the opportunity, and the life God has placed in your hands. Girl, you have been given so much. Don’t bury it. Take what you’ve been given and put it to work. And let’s live the rest of our lives with one simple prayer: “God, everything I have is Yours. Show me what You’ve put in my hands – and give me the courage to be faithful with it.” That’s it. That’s the assignment. JUST. BE. FAITHFUL. Follow Pamela on Instagram – https://instagram.com/headmamapamela Or Facebook – https://www.facebook.com/pamela.crim Find out more about BIG Life – http://biglifehq.com

I break down the philosophy behind Sweaty Startup and why execution beats ideas every time. In this conversation, I also share lessons from building multiple companies, learning sales through repetition, scaling with international talent, and creating systems that allow businesses to grow without depending on the owner. Topics include: • Why most people overvalue business ideas • The real skill every entrepreneur needs • How Nick scales with global teams • Delegation and decision making • Building multiple companies without losing focus • The operational systems behind growth A conversation on entrepreneurship, leverage, and building businesses that last. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

What if you're building a successful company—but accidentally building a life you don't actually want?In this episode of Liftoff with Keith Newman, Keith sits down with Charles T. Lee, founder of Ideation, to explore what it really means to build a successful business while protecting your health, relationships, purpose, and personal well-being.Charles shares why founders should:Slow down to create space for better ideas Invest in people, not just technology Understand their personal rhythms and energy Let go of ego and focus on building the right team Make time for reflection and personal development Stop comparing themselves to other founders Think about what "enough" and success really mean They also discuss how AI can give founders something increasingly valuable: more time to focus on the human side of leadership. The goal isn't simply to build a great company.It's to build a great company without losing the life you're building it for.Sponsor Info: We are strategic business advisors with decades of leadership experience and a proven track record of driving businesses' growth. We specialize in creating custom-tailored strategies to introduce your company, drive growth, build leadership teams, and ensure companies implement appropriate compensation programs. Our mission is to utilize our expansive network to benefit your company https://www.compass-strategic-advisors.com/Connect with Charles: LinkedIn: https://www.linkedin.com/in/charlestlee/ Website: https://theideation.com/ Book: http://www.designyourgoodlife.com/ Subscribe for more founder insights and hit the bell for notifications! Follow us on our channels for exclusive startup content and behind-the-scenes insights from interviews like this one. Spotify: https://open.spotify.com/show/3cFpLXfYvcUsxvsT9MwyAD?si=f5a14e779777487d Apple Podcasts: https://podcasts.apple.com/ca/podcast/liftoff-with-keith-newman/id1560219589 Substack: https://keithnewman.substack.com/ Newman Media Studios: https://newmanmediastudios.com/ LinkedIn: https://www.linkedin.com/company/liftoffwithkeithFacebook: https://www.facebook.com/KeithNewman285Website: https://liftoffwithkeith.com/Want to build a high-growth company without falling into the administration trap? Subscribe to Liftoff with Keith and follow for weekly conversations with the founders building what's next.#LiftoffPodcast #Entrepreneurship #Leadership #Founders #BusinessGrowth #AI #WorkLifeBalance

The Context of White Supremacy welcomes Dr. Allison Phipps live from the UK. Classified as a White Woman, Dr. Phipps is the Professor of Political Sociology and Associate Head of Social Sciences, Politics and IR, and Religion at York St. John University. Her research examines: “gender with interests in feminist theory and politics, the body and violence, and racial capitalism.” We'll discuss her 2026 publication, Sexual Violence in Racial Capitalism. Gus was supremely eager to read this book, thinking it would be a scientific, accurate analysis of how White Women and White Men sexually terrorize non-white people. Phipps offers nothing of the sort. A massive chunk of this text is devoted to White Women as victims of patriarchy. Phipps completely erases the sexual abuse of black and non-white males to focus on White female victims and White Men's sewering of non-white females. She relies on heaps of sloppy metaphors and ahistorical ideas - such as black males being thought of as beastly rapists during the chattel slavery era. Dr. Phipps readily agreed with Gus' definition of White Supremacy and acknowledged that is logical to suspect that is a Racist. However, once Gus began to point out the contradictions in her text - like saying black males are "co-opted" patriarchs and simultaneously ungendered subjects of White Supremacy, she hung up the phone and ran like a cowardly thief in the night. #TheCOWS17Years #MaryKayLetourneau #JonBurge #JeffreyDahmer #CounterRacism #TheDelectableNegro #GlobalWhiteSupremacy #TheManNot Call-In Number: 720.716.7300 Code: 564943#

In this Crypto Water Cooler episode, Tony and Amanda discuss Bitcoin's recent rally and whether the crypto bull market has finally returned, the SEC's new Regulation Crypto guidance, Citibank's launch of Bitcoin custody services, Goldman Sachs' Bitcoin ETF acquisition, and much more.

Crypto News: Bitcoin rallies to $80,000 and altcoins are on the move with may signals flashing the crypto bull market is here. Coinbase tokenized stocks go live on Base with Chainlink price feeds. Standard Chartered becomes first bank to distribute Hong Kong dollar stablecoin.

What happens when a global call center veteran steps into the automotive industry and starts questioning the way dealerships have always done things?  In this episode of the Millionaire Car Salesman Podcast, Sean V. Bradley and LA Williams sit down with Lee Harris, current Internet Director at Minnesota Truck Headquarters, a BPO veteran turned automotive innovator who is bringing a completely different perspective to dealership customer engagement. "Your most valuable asset that you have in your dealership, it's not the cars on the floor, it's not the cars in the showroom, it's the people." – Lee Harris With years of experience leading high-volume customer service, operations, and technology organizations, Lee is taking lessons from outside automotive and applying them to one of the industry's biggest opportunities: how dealerships communicate with, follow up with, and ultimately serve today's customer. The conversation dives into the evolution of the traditional BDC, the growing role of AI and automation, the importance of stronger processes and training, and why technology should make dealership teams MORE effective without removing the human connection.  "AI doubles in capacity and capability every two weeks." – Lee Harris If you're a Dealer Principal, GM, BDC leader, sales manager, or automotive professional trying to prepare for where customer engagement is headed next, you're going to want to hear this conversation! Key Takeaways: ✅ Lee Harris highlights the value of integrating advanced AI tools and CRM customization to enhance client services' effectiveness within car dealerships. ✅ The automotive sector often lags in adopting modern technology, with Harris noting the industry's typical five to seven-year lag behind bleeding-edge solutions. ✅ Personalization and the human element remain crucial in customer interactions, even when leveraging high-end AI tools to streamline processes. ✅ Fostering a team environment where personnel investment in training and morale is prioritized can drive substantial success, as evidenced by record-breaking sales figures at MTH. ✅ Harris advises dealership leaders to rethink traditional managerial roles by emphasizing leadership qualities that inspire and genuinely connect with employees.   About Lee Harris Lee Harris is a seasoned professional with nearly three decades of experience in the Business Process Outsourcing (BPO) industry. He began his career as an agent and ascended to senior executive roles at large organizations like Conduent, Xerox Services, and Sutherland Healthcare. Harris has been involved with operations in numerous countries, managing substantial revenues and diverse teams. Currently, he is the Director of Business Development at Minnesota Truck Headquarters (MTH) in St. Cloud, where his expertise in technology, customer experience, and process development is helping redefine automotive sales strategies.     AI Revolution in Automotive BDC: Transforming Client Services in Dealerships   Key Takeaways: Adapting New Technologies: CRM technologies are increasingly seen as outdated; AI tools are proving indispensable for operational efficiency in auto dealerships. Focus on Human Capital: Building a dedicated, well-trained team with a strong culture and synergy is vital for success. Engagement Optimization: Increasing customer engagement through technology, particularly AI, is paramount for maximizing showroom visits and sales success.   The Shift from Traditional BDC to AI Integration in Dealerships In the ever-evolving landscape of automotive sales, dealerships are faced with the need to innovate or risk being left behind. This conversation brings to light the transformational journey from traditional Customer Relationship Management (CRM) systems to Artificial Intelligence (AI) driven strategies. As Lee Harris from Minnesota Truck Headquarters shares, "AI doubles in capacity and capability every two weeks," underscoring the rapid advancement and adoption of technology that is necessary for modern dealerships to thrive. The podcast participants echo a pivotal revelation: the traditional CRM's limitations in dynamically adapting to ever-changing dealership needs. Sean V. Bradley emphasizes, "CRM is antiquated technology now," advocating for a shift towards tools like Podium's AI. This technology steps beyond static scripts, offering dynamic, personalized communication powered by an extensive knowledge base. This ability, Harris notes, allows dealerships to handle communications with precision, enhancing customer interaction and satisfaction. Through this integration, dealerships empower their sales teams to focus on high-impact interactions by letting AI handle routine, low-complexity tasks. Bradley states, "If we delegate all the tier one remedial activities to artificial intelligence, […] now my humans can focus on higher levels." This delegation not only optimizes human resource capabilities but also maximizes lead conversion, showcasing the multilateral benefits of AI over traditional CRM systems.   Emphasizing Human Capital and Leadership In the broader scheme of automotive business development, human capital remains the cornerstone of any successful dealership. Lee Harris passionately argues for investing in people, expressing, "Your people are the most precious thing that you have in your group, in your responsibility." This sentiment is a cornerstone for transformational leadership and modern business strategies within dealerships. The discussion probes into what sets excellent dealerships apart — their approach to nurturing and investing in a highly competent and motivated workforce. For Harris, leading a team goes beyond managing transactions; it's about cultivating a culture of excellence where team members understand their value and are equipped with the right tools and training. By stating, "Invest both professionally and personally into those individuals to be successful," Harris emphasizes the significance of a dedicated and well-supported team for achieving dealership objectives. Training and development play an integral role in this framework. Dealer Synergy's Bradley On Demand platform is applauded for its comprehensive training, ensuring that team members "don't even get to touch a phone until they are through the initial training," a practice that ingrains a regiment of quality assurance and preparedness foundational to operational success.   Revolutionizing Customer Engagement A recurring theme throughout the dialogue is the pivotal role of customer engagement strategies in dictating sales and dealership success. The integration of AI is poised to revolutionize how dealerships engage with prospective customers, significantly bridging gaps between inquiries and successful sales. Bradley notes the chronic issue of low engagement levels, stating that most dealership efforts result in "not talking to somebody." This reveals a critical area of opportunity — the need for effective engagement strategies. AI tools like Podium's Jerry 2.0 transform engagement dynamics by facilitating omnipresent communication, ensuring customer interactions are timely, relevant, and personalized. In integrating AI, dealerships can remarkably enhance appointment show rates, which Harris notes as being "73% appointment show ratio" — a staggering figure above industry averages. This indicates AI's profound impact on bridging communication gaps, ensuring prospects are guided efficiently through the sales funnel. The potential of AI in this capacity is magnified by its ability to analyze and learn from interactions, delivering nuanced conversations that are tailored to client needs and potentially increasing showroom traffic and sales. Harris concludes, adopting "convenience and a friction-free process" is essential for translating client inquiries into satisfied customers, highlighting AI's role in crafting seamless customer journeys. In the evolving landscape of automotive sales and services, the dealership's adaptability to AI-driven methodologies is not just a competitive advantage; it is becoming a standard of future-forward operations. The rich discussions from industry leaders cast a spotlight on the profound changes AI brings, demonstrating a roadmap for others to follow, where smart technology and human empathy work in tandem toward exceptional dealership success.     Resources + Our Proud Sponsors: ➼ Podium: The AI Platform Powering the Modern Dealership. From instant lead response to seamless test drive scheduling, Podium's AI Employee Jerry works 24/7 to turn every lead into a conversion, so your team can focus on closing. Trusted by thousands of dealerships nationwide and proudly featured on the Millionaire Car Salesman Podcast. Learn how Podium can help you sell more cars, book more service appointments, and grow your dealership. Discover how Podium's innovative AI technology can unlock unparalleled efficiency and drive your dealership's sales to new heights. Visit www.podium.com/mcs to learn more!   ➼ The Millionaire Car Salesman Facebook Group: Join the #1 Automotive Sales Mastermind Facebook Group with over 29,000 automotive professionals worldwide. The Millionaire Car Salesman Facebook Group is the go-to community for car salespeople, BDC agents, sales managers, general managers, and dealer principals looking to increase performance, income, and leadership skills. Inside the group, members collaborate daily on automotive sales strategies, lead handling, phone scripts, closing techniques, CRM best practices, dealership leadership, and accountability systems. Learn directly from top automotive trainers, industry mentors, and high-performing sales leaders who are actively winning in today's market. If you're serious about growing your automotive career, increasing car sales, and building long-term success, join The Millionaire Car Salesman Facebook Group today!   ➼ Dealer Synergy: Dealer Synergy is the automotive industry's #1 Sales Training, Consulting, and Accountability Firm, with over 20 years of proven dealership success nationwide. We specialize in helping car dealerships increase sales, improve processes, and build high-performing Sales, Internet, and BDC departments from the ground up. Our expertise includes automotive phone scripts, rebuttals, CRM action plans, lead handling strategies, BDC workflows, Internet sales processes, management training, and accountability systems. Dealer Synergy partners directly with dealership leadership to align people, process, and technology, ensuring consistent results and scalable growth. From independent dealers to large dealer groups and OEM partnerships, Dealer Synergy delivers measurable performance improvements, stronger teams, and sustainable profitability.   ➼ Bradley On Demand: Bradley On Demand is the automotive industry's most advanced interactive training, tracking, testing, and certification platform for car dealerships — built to develop top-performing teams across Sales, Internet Sales, BDC, CRM, Phone Skills, Leadership, and Management. In addition to LIVE virtual automotive training classes and a library of 9,000+ on-demand dealership training modules, Bradley On Demand now includes AI Phone Roleplaying and Coaching to help salespeople and BDC agents practice real dealership conversations before they ever get on the phone with customers. This AI-powered roleplay technology strengthens phone scripts, objection handling, appointment setting, lead follow-up, and closing skills, while providing measurable coaching feedback for continuous improvement. Bradley On Demand empowers dealerships to train faster, coach smarter, improve call performance, increase closing ratios, and sell more cars more profitably — all through structured, trackable, modern automotive training.

Discover the next potential hotspots in commercial real estate. Some smaller markets are worthy of investors taking a look at. The leading commercial real estate markets may surprise you.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.