Podcasts about invest

If you've got thirty years to go before retirement, you have time to learn how strategic asset allocation, consistent contributions, and adjusting for risk can help build a solid foundation for financial independence. Today's Stocks & Topics: CROX - Crocs Inc., CAIE - Calamos Autocallable Income ETF, Market Wrap, Are You Missing the Key Steps to Maximize Your Retirement in the Next 30 Years?, R - Ryder System Inc., TSM - Taiwan Semiconductor Manufacturing ADR, Enterprise Software, Financial Terminology, ADBE - Adobe Inc., 401k Rollover, MATX - Matson Inc.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

There are fresh risks to the labor market, including slowing job growth and rising long-term unemployment, and this may be opening the door to interest rate cuts. Today's Stocks & Topics: CPB - Campbells Co., Market Wrap, DUOL - Duolingo Inc., Fed Chair Jerome Powell is Worried About the Job Market. Here Are 3 Red Flags for Workers, NKE - Nike Inc., Earnings Forecast, Supply and Lack of Immigration, HOOD - Robinhood Markets Inc., Copper Projects.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Bitcoin's post–Jackson Hole rally was short-lived, with prices plunging below $110,000 after a massive whale liquidation sent shockwaves through the market. Today NLW unpacks how 24,000 BTC moved for the first time in six years, the rotation into Ethereum, and the $640 million in liquidations that followed. Plus, what whale selling means for this cycle, how traders are framing the correction, and whether we're nearing a late-stage top—or just another round of growing pains. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

We need to re-evaluate what we consider a service for our customers. —-------------------------------------------------------------------------------------------------------------I solve problems in your business and make you more money.  Guaranteed. For over a decade I've been working with gym owners (via one-on-one consulting) to help create tailored solutions to solve their business problems, engineer the game plan and empower them to execute the strategy.Stop wishing your business problems are going to magically go away.  Invest in your business and let me solve your problems and optimize your business fast and efficiently. We'll work together daily/weekly, with a monthly call until the problem is solved and then I want you to fire me.  Because this is YOUR business, I'm just here to solve a specific problem and then get out of your way.Learn more about what it's like for us to work together.—-------------------------------------------------------------------------------------------------------------Want to increase your business IQ by 100x for only $50? Get enrolled in Microgym University - the only online business school that teaches you the best practices and business frameworks from some of the most successful brands in our industry and then lets you decide which ones to install in your business.New courses are added every month. ⁠www.microgymuniversity.com⁠ —-------------------------------------------------------------------------------------------------------------Need help leasing or buying a building?I created the Gym Real Estate Company so that gym owners had someone who could go beyond the duties of a typical real estate broker and actually advise them on business aspects as they relate to site selection, market location fit, operational capacity, facility layout, pre-sell marketing, and more.If you're looking for help with your next lease or if you want us to help you along the journey of buying a building - ⁠head over to www.gymrealestate.co and book a Discovery Call.—--------------------------------------------------------------------------------------------------------------Elevate Your Coaching and Program Design w/ TeamBuildrTeamBuildr is a strength & conditioning software for performance coaches who want to efficiently build workout programs for their athletes and clients. Their platform was designed to make the life of a strength coach easier when it comes to building workouts, monitoring athlete recovery, and tracking workout data.They are currently offering a 30-day free trial when signing up with code “WTF”.—--------------------------------------------------------------------------------------------------------------Inexpensive Member Management Software That Doesn't SuckGymStudio is a gym and studio management software for businesses that want to deliver a frictionless member experience. Their intuitive platform was designed to re-think how traditional gym management platforms organize memberships, payments, schedules, bookings, and more. GymStudio is utilized by small and medium-sized fitness businesses ranging from strength and conditioning gyms to yoga and Pilates studios around the world. They offer a 14-day trial and a concierge "transition service" when switching from another gym management platform. This all-in-one platform provides this and much more for less than $150 per month.

We've all heard it: “Invest in yourself if you want to grow your business.” But here's the hard truth - sometimes what we call “investing” is really just shopping with a business excuse. In this episode of Fox Talks Business, I'm breaking down: ✅ The 4 hidden costs of bad investments that no one talks about ✅ How to tell if something is an actual investment or just a shiny distraction ✅ The mindset shift that can save you thousands and rebuild your confidence If you've ever bought the course, joined the mastermind, or signed up for the “magic bullet” program only to feel stuck and frustrated, this one's for you.   And—if you're ready to finally stop wasting money on “shelf-help” and learn how to make smart money moves in your business, join me on September 16th for my free Revenue Reset Workshop.

My guest today is Joe Liemandt. Joe is the Principal at Alpha School and the founder of Triliogy Software and ESW Capital. He became the youngest member of the Forbes 400 in the 1990s before vanishing from public view for two decades—only to emerge with a $1 billion bet that he can make kids learn 10x faster using AI. Joe has built an AI tutoring system so effective that students at his Alpha School literally beg not to take summer breaks, achieving 2x learning outcomes in just 2 hours with standardized test results that compete with the best of them. We dive deep into why this could be the most valuable product he's ever built, his contrarian thesis that traditional SaaS is facing AI-driven obsolescence, and how his experience buying 100+ software companies prepared him for this moonshot in a trillion-dollar market that hasn't innovated in 200 years.  For investors, this is a masterclass in deploying patient capital to rebuild broken systems from first principles, with insights on everything from regulatory moats to the intersection of AI and human psychology. As your excited skeptic, I push hard on the technology readiness, parental adoption hurdles, and whether this audacious vision can actually scale to a billion kids. Additionally, in a Colossus Profile released last week, our editor-in-chief Jeremy Stern reported, for the first time, Joe as the product guy behind Alpha School in a can't miss piece of writing. And now please enjoy my conversation with Joe Liemandt.  Joe Liemandt's Colossus Profile by Jeremy Stern. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠ ----- This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ramp's mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp.com/invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to sign up for free and get a $250 welcome bonus. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ridgeline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Head to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ridgelineapps.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more about the platform. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ AlphaSense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. AlphaSense has completely transformed the research process with cutting-edge AI technology and a vast collection of top-tier, reliable business content. Invest Like the Best listeners can get a free trial now at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Alpha-Sense.com/Invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and experience firsthand how AlphaSense and Tegus help you make smarter decisions faster. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Show Notes: (00:00:00) Welcome to Invest Like the Best(00:06:08) How Alpha School Is Revolutionizing Learning(00:12:47) Personalized Tutoring with AI(00:19:59) Measuring the Impossible: 2x Learning Outcomes(00:25:39) All Educational Content Is Obsolete(00:35:51) Motivating Students: The Key to Success(00:42:06) Life Skills Workshops: Real-World Lessons(00:47:47) The Key to Happiness: High Standards(00:52:33) The Role of Guides and Coaches(00:58:22) Feedback Loops and AI in Education(01:04:20) The AI-Powered Classroom Experience(01:18:06) From Self-Doubt to Limitless Learning(01:28:20) Challenges in Public School Systems(01:41:56) Gamified Learning and Technology(01:49:46) From Trilogy to Trillion-Dollar Markets(01:55:05) Why Software Companies Fail(02:01:21) Trilogy University(02:10:39) Lessons from Mentors(02:17:25) Pushing Limits and Finding Passion(02:27:12) Joe's Kindest Thing

At last week's Jackson Hole gathering, Jerome Powell delivered his final speech as Fed Chair. On the surface it was dry and technical, but markets read it as a dovish signal—and risk assets surged. In today's Breakdown, NLW digs into what Powell actually said, why markets reacted so strongly, and what the revisions to the Fed's monetary policy framework mean for inflation, employment, and the future of central bank independence. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

There are simple and practical strategies to quickly build savings—including cutting unnecessary subscriptions, automating savings, maximizing rewards, and other smart money moves. Today's Stocks & Topics: SMCI - Super Micro Computer Inc., Market Wrap, Silver, EXK - Endeavour Silver Corp., UPS - United Parcel Service Inc., 12 Totally Free Ways to Save Money Fast and Boost Your Passive Income, CELH - Celsius Holdings Inc., Stagflation, MAA - Mid-America Apartment Communities Inc., INVH - Invitation Homes Inc., Retirement Accounts, Labor Market and Lack of Immigration.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 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, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   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  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

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In this episode, Emily interviews Hui-Chin Chen, a Certified Financial Planner specializing in advising globally mobile professionals. Hui-Chin is a managing partner and financial advisor with Jade & Cowry, and she is a repeat podcast guest. Her first interview from 2019 is required listening for international graduate students and postdocs prior to starting this episode. Hui-Chin gives us a bird's-eye view of a simple investing strategy for nonresidents in the US if using a tax-advantaged retirement account proves too complex. Hui-Chin and Emily review the IRA eligibility criteria for nonresidents with respect to fellowship income and married filing separately. They discuss whether and when someone moving out of the US should engage a tax advisor. Finally, Hui-Chin answers one investing and one tax question submitted by subscribers to the Personal Finance for PhDs mailing list.

Join Moe and Javaid as they discuss the markets after the Fed's announcement of upcoming rate cuts. What does this mean for the market? What sectors benefit from lower interest rates? What is happening in the Technology sector? Listen now to get the answers to these questions and more!

On Purpose with Jay Shetty: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- Did anyone ever teach you about money when you were younger? What’s one money mistake you made in your 20s? Today, Jay shares the financial lessons he wishes he knew in his twenties. Insights that don’t just change how you handle money, but how you understand it. Jay reveals that most people aren’t actually bad with money, they were simply never taught how to build a healthy, secure relationship with it. Jay explains how these dynamics affect our financial habits, emphasizing that real financial security begins with mindset and choices, not income. From challenging inherited money beliefs to addressing debt with clarity rather than fear, this episode offers a roadmap to move from financial stress to financial stability. In this episode, you'll learn: How to Shift from Avoiding Money to Owning It How to Build a Secure Relationship with Money How to Invest in Knowledge Before Assets How to Break Free from Financial Programming How to Simplify Your Finances When Overwhelmed Wealth isn’t about looking rich, it’s about living with intention, respecting yourself, and aligning your money with purpose. With Love and Gratitude, Jay Shetty Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here. Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast What We Discuss: 00:00 Intro 01:01 Is It Too Late to Learn Financial Literacy? 04:18 Myth: Money is the Root of All Evil 05:31 #1: It's About Good Decisions, Not Income 08:20 #2: You Can't Save What You Don't Have 11:26 #3: Buying More Won’t Build Wealth 17:14 #4: Don't Avoid Debt Education 18:25 #5: You're Not Lazy You’re Just Overwhelmed 19:56 #6: Where Did You Get Your Money Beliefs? 23:52 #7: Generosity Multiplies Wealth See omnystudio.com/listener for privacy information.

DU MUSST MEHR GAS GEBEN! LIES DAS SKRIPT EXAKT 1 zu 1 AB!! TU EINFACH GENAU, WAS ICH DIR SAGE!!! 1.000 Leute nutzen exakt die gleiche “geniale” Schablone. 1.000 Leute gehen zum gleichen Business-Coach. 1.000 Leute machen exakt das Gleiche. Und am Ende wundern sich Marketer, dass sie vergleichbar sind… “WaRuM hEbE ICh MicH NicHt vON DeR KonKUrrENz Ab?”

On this Long Read Sunday, NLW turns to Byron Gilliam's Breakdown newsletter for a discussion of whether crypto narratives are finally becoming reality. From gold's millennia-long hold on value perception to new empirical evidence linking sovereign risk and crypto adoption, the conversation explores how stories of Bitcoin as digital gold, a hedge against government dysfunction, and a tool for remittances are increasingly backed by data. NLW unpacks the idea of narrative reflexivity in markets, why anecdotes are turning into evidence, and how the perception of crypto is hardening into reality. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Despite some wage growth, the typical American worker's pay has not kept pace with rising inflation over the past four years, especially in professions like education, while job growth favors sectors like healthcare and hospitality. Today's Stocks & Topics: PYPL - PayPal Holdings Inc., Market Wrap, OKE - Oneok Inc., KPP Newsletter, Wages Are Falling Behind Inflation, Leaving Many Workers Struggling, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Pros and Cons of 351 Exchange, EXEL - Exelixis Inc., Inflation, AVGO - Broadcom Inc., TT - Trane Technologies Plc., COST - Costco Wholesale Corp., The De Minimis Exemption.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Markets turned their attention to Jackson Hole for Jerome Powell's final speech as Fed Chair, while crypto and AI narratives kept investors on edge. NLW unpacks how Powell's tone could shift rate cut expectations, the signals from Wyoming's new state stablecoin, and why the crypto lobby is racing to lock in legislation before midterms. A slow summer week on the surface, but one filled with clues about where the next big fights will emerge. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Do you make a middle-class income ($70,000 or less) per year and want to invest in real estate? This is how you do it.  You don't need a six-figure salary to buy your first rental property and start building generational wealth and early retirement. Dave is a testament to this, buying his first rental with barely any money, zero experience, and working as a waiter. If you've got a stable salary and some savings, you're already leagues ahead of him. Today, we're showing you how to put that money to work. We used median income and savings data to create a complete middle-class investor plan to get you on the fastest (and safest) path to financial freedom. We'll walk through three investing strategies anyone in the middle class can use to buy their first rental, define how much money you'll need saved, what to do if you don't have enough in the bank, and how to repeat the system to finally retire early with real estate.  Stop waiting, start wealth-building. This is how to escape the “middle-class trap” and move up the rungs to financial freedom even if you're starting with a $70,000/year salary!  In This Episode We Cover: The three best real estate investments for a middle-class income earner The “middle-class trap” that most Americans are stuck in (how to escape) Pro tip: How to get more money for your first deal if you don't have enough How to retire in just a decade with rental property investing (even starting from scratch) The one high-profit, low-money-down, tax-free strategy Dave is using right now! And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1164 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover why home sales rose in July. 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 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 recurring fees. 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.)

At the Wyoming Blockchain Summit, Federal Reserve Governor Christopher Waller delivered one of the most striking pro-crypto speeches ever from a senior central banker. Waller argued that decentralized finance is simply the next iteration of financial technology, praised stablecoins as now-mature infrastructure, and said the Fed itself must modernize its payment rails to be compatible with crypto. He even joked about trading meme coins on a DEX as if it were the most normal thing in the world. Later, Senator Cynthia Lummis outlined her timeline for market structure legislation, with momentum building around the Clarity Act. Meanwhile, Wall Street analysts from Goldman Sachs and UBS are increasingly focused on the multi-trillion-dollar stablecoin opportunity. Today's Breakdown unpacks the shifting discourse, the Fed's evolving stance, and why 2024 may be the decisive year for U.S. crypto regulation. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

I joined Rohit to break down the real path to building wealth through business. We talked about picking the right boring business, building confidence when no one gives you permission, and why consistency beats intelligence every time. This is for anyone ready to stop analyzing and start taking action. 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  

In this episode of Coin Stories, Natalie Brunell is joined by investor Preston Pysh to discuss: Bearish sentiment and panic hitting Bitcoin market and price Why people are upset about MSTR guidance change What is a preferred stock and why do companies issue them The REAL Ponzi scheme in this market Warning signs in Bitcoin treasury companies Why people are so against Bitcoin Follow Preston on X https://x.com/prestonpysh  ---- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. 10% back at golf courses is available until 9/30/2025 on up to $250 in spend per month. Learn more at https://www.gemini.com/natalie  ---- Coin Stories is powered by Bitwise. Bitwise has over $10B in client assets, 32 investment products, and a team of 100+ employees across the U.S. and Europe, all solely focused on Bitcoin and digital assets since 2017. Learn more at https://www.bitwiseinvestments.com  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Natalie's Bitcoin Product and Event Links: Secure your Bitcoin with collaborative custody and set up your inheritance plan with Casa: https://www.casa.io/natalie  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Your Bitcoin oasis awaits at Camp Nakamoto: A retreat for Bitcoiners, by Bitcoiners. Code HODL for discounted passes: https://massadoptionbtc.ticketspice.com/camp-nakamoto      ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Is the 60/40 portfolio living up to its reputation of resilience this year? The merit of a classic portfolio of 60% stocks and 40% bonds has been a matter of debate in recent years. A diversified 60/40 strategy failed to protect investors in 2022's broad market crash—in fact, an all-stock portfolio would have held up better. However, a historical deep dive from Morningstar concluded that the tried-and-true approach lessened the pain in almost all of the worst market crashes in 150 years better than an all-stock portfolio. Morningstar Inc Portfolio Strategist Amy Arnott discusses the 60/40 portfolio's ups and downs and its performance in 2025.On this episode:What is a 60/40 portfolio, and why is it popular? We often hear claims that the 60/40 portfolio is “dead” or obsolete. Why does it get criticized so much? Some of that criticism flared up in 2022. Why was the performance so bad for the 60/40 portfolio that year? Volatility has rocked the markets in 2025. How has the classic investment strategy done so far this year? Are there any asset classes that have performed better so far in 2025? Why? And which ones have struggled? Interest rates are sitting above 4%, but market watchers are anticipating the Federal Reserve will cut rates in September. What could that mean for the fixed-income part of the 60/40 portfolio? How do you think the 60/40 portfolio will perform over the next few years? Should people still rely on the 60/40 portfolio, or is another strategy better like the 70/30 or 50/30/20, which can be a mix of stocks, bonds, and alternatives? The tried-and-true strategy has proved its worth. So, what's the final takeaway for current retirees, future retirees, or anyone seeking less risk?Read about topics from this episode.  The 60/40 Portfolio: A 150-Year Markets Stress TestIs the 60/40 Portfolio Feeling '22?What We've Learned From 150 Years of Stock Market CrashesHow Does Your 60/40 Portfolio Allocation Compare With the Pros?Why 2025 Is the Year to Invest in International StocksWhy It's Not Too Late to Add International ExposureWhy Holding Assets Outside the US Dollar Has Paid Off in 2025How to Use Gold in Your PortfolioPortfolio Diversification Is Winning in 2025 What to watch from Morningstar. These 16 Standout Funds Are Making Big Bets. Do They Fit in Your Investment Portfolio?Market Volatility: Investors Are Seeking Safety in Gold ETFs. Is It Working?Why Bonds Belong in Your Diversified Portfolio (Even Now)Covered-Call ETFs Are Booming. But Not All Yield Is Good Read what our team is writing.Amy ArnottIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

The Authentically Detroit Podcast Network in collaboration with Detroit One Million presents: The Black Detroit Democracy Podcast, hosted by Donna Givens Davidson and Sam Robinson!Together, Donna and Sam illuminate the complexities of Detroit's unique political landscape and give residents a resource for navigating civic engagement and election season.On this episode, Imani Foster of 482Forward joined them to discuss the Invest in Michigan's Kids campaign.482Forward is creating a Detroit where every student graduates ready to become a fully engaged participant in the world, equipped with the character and the capacity to negotiate her environment and change it for the better.They believe all children have the right to an excellent education, regardless of their race or socioeconomic status.For more episodes of the Black Detroit Democracy Podcast, click here.Support the showFollow us on Instagram, Facebook and Twitter.

Syndication structures are changing—and in this episode, Beth Azor unpacks exactly how.From preferred returns and promotes to unusual LP terms and fee-loaded deals, Beth breaks down the many syndication models she's encountered—both as an LP and a GP. She shares what she looks for before investing, the red flags that turn her off, and the structure she prefers when raising money herself. Whether you're a new sponsor or an LP eyeing your next investment, you'll walk away with tactical insight on evaluating and designing win-win syndication deals.✅ Key Takeaways-Preferred returns vary with market conditions-Promotes typically kick in after full LP return-Sponsors should have skin in the game-Some are raising without preferred returns or promotes-Fee-heavy structures are common—but not always justifiedLPs want transparency, alignment, and realistic projections-Creatively structured deals can benefit all parties-Fundraising speed often reflects investor trustBECOME A COMMERCIAL REAL ESTATE ROCKSTAR: https://www.bethazor.com/https://www.azoracademy.com/For more commercial real estate training: https://www.bethazor.com/training/FOLLOW ME ON SOCIALFacebook: https://www.facebook.com/azoradvisoryservices/Twitter: https://twitter.com/bethazor1Instagram: https://www.instagram.com/bethazor/Linkedin: https://www.linkedin.com/company/6315636/#retailleasing #commercialrealestateinvesting #retailleasingcoach #bethazor

President Trump just signed an executive order that could allow cryptocurrency, real estate, and private equity inside your 401(k).But what does this mean for retirees and those nearing retirement? Is it a golden opportunity—or a risky move?In this episode of the Retirement Planners of America Podcast, Ken Moraif and Chief Investment Officer Jordan Roach break it all down:• The potential benefits of adding crypto, real estate, and private equity to your 401(k)• The major risks you need to understand before jumping in• How diversification really works (and common mistakes retirees make)• Why risk tolerance matters more than ever with new asset classesWhether you're excited about the possibilities—or cautious about the risks—this discussion will help you make sense of what this change could mean for your retirement plan.

Recent changes to student loan repayment rules include adjustments to monthly payments, loan forgiveness eligibility, and borrowing limits that will impact current and future borrowers. Today's Stocks & Topics: SO - Southern Company, Market Wrap, BDT - Bird Construction Inc., New Student Loan Repayment Policies Following Trump's Budget Bill, Financial Ratios, AOS - A.O. Smith Corp., WULF – Tera Wulf Inc., A-I and the Growth in the Market, FDS - FactSet Research Systems Inc., CWST - Casella Waste Systems Inc. Cl A, EXPE - Expedia Group Inc., U.S. Retailers.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: Bonds, Portfolio Management, Credit Card Debt, Real Estate Co-Op, Investing for Kid's Future, Current Bond Market, Investing in Morocco, Value Stock, Difference from a 403b and Regular 401k, The Young Consumer, Large, Mid or Small Caps, Roth I-R-A Withdrawals, Preferred Dividend Stocks, The Dow vs. The S&P 500, 401k Rollover, Fractional Shares, Growth to Value Trade.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

At this year's Wyoming Blockchain Symposium, regulators and policymakers made it clear that crypto's role in the U.S. financial system is entering a new chapter. Federal Reserve Governor Michelle Bowman delivered a groundbreaking speech on embracing innovation, SEC Chair Paul Atkins signaled fresh thinking on token regulation, and Senate Banking Chair Tim Scott weighed in on the market structure bill. Wyoming also launched its own state-backed stablecoin, underscoring the state's push to the forefront of digital finance. Plus, we break down market sentiment, MicroStrategy's shifting guidance, and why some analysts see this bull run extending to 2027. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

On Tuesday, White House Press Secretary Karoline Leavitt confirmed reports that the Trump administration is working on a deal with Intel that would grant the U.S. government a 10% stake in the computer technology company. The possible agreement, first reported on August 14, may involveconverting roughly $10.86 billion in federal grants issued to Intel during the Biden administration into equity in the company, though the exact mechanism for doing so is unclear. Tangle LIVE tickets are available!We're excited to announce that our third installment of Tangle Live will be held on October 24, 2025, at the Irvine Barclay Theatre in Irvine, California. If you're in the area (or want to make the trip), we'd love to have you join Isaac and the team for a night of spirited discussion, live Q&A, and opportunities to meet the team in person. You can read more about the event and purchase tickets here.Ad-free podcasts are here!To listen to this podcast ad-free, and to enjoy our subscriber only premium content, go to ReadTangle.com to sign up!You can read today's podcast⁠ ⁠⁠here⁠⁠⁠, our “Under the Radar” story ⁠here and today's “Have a nice day” story ⁠here⁠.Take the survey: What do you think of the government owning equity in Intel? Let us know!Disagree? That's okay. My opinion is just one of many. Write in and let us know why, and we'll consider publishing your feedback.You can subscribe to Tangle by clicking here or drop something in our tip jar by clicking here. Our Executive Editor and Founder is Isaac Saul. Our Executive Producer is Jon Lall.This podcast was written by: Isaac Saul and edited and engineered by Dewey Thomas. Music for the podcast was produced by Diet 75.Our newsletter is edited by Managing Editor Ari Weitzman, Senior Editor Will Kaback, Lindsey Knuth, Kendall White, Bailey Saul, and Audrey Moorehead. Hosted on Acast. See acast.com/privacy for more information.

Where are you wasting money in your business — and where are you not investing enough?In this episode, we break down the biggest money mistakes we see pelvic business owners make. Spoiler: it's not about whether something feels “expensive,” it's about Return on Investment (ROI).

In this powerful episode of "Black Wall Street Today," we sit down with Dr. Natalie Halloran, a distinguished educational and business leader and a key figure at Till Hall Enterprise. With over three decades of experience in strategic leadership and organizational improvement, Dr. Halloran shares her expert insights on building sustainable growth and equity within the Black business community.We dive deep into how Dr. Halloran's work in educational leadership translates to success for Black entrepreneurs. Get ready to learn about:Strategic Planning for Black Businesses: The critical role of data-driven practices in closing the wealth gap and fostering economic empowerment.Leadership Development: Essential advice for emerging Black leaders and how to make a lasting, systemic impact.Grant Management & Funding: Navigating the grant application process to secure crucial funding for small, Black-owned businesses.The Intersection of Education and Entrepreneurship: How to apply lessons from school system improvement to business growth and community development.Whether you're an aspiring entrepreneur, a seasoned business owner, or a community leader, this episode provides actionable strategies and inspiring perspectives on advancing Black economic power.Key Takeaways:Dr. Natalie Halloran's journey and her work with Till Hall Enterprise.How to use data and collaborative problem-solving to drive business success.The importance of strategic planning and leadership development for Black entrepreneurs.Practical tips for securing grants and navigating the funding landscape.Future trends that will impact Black communities and businesses.About Our Guest: Dr. Natalie Halloran is a seasoned educational and business leader with Till Hall Enterprise, specializing in strategic planning, leadership development, and human capital management. Her work is rooted in a deep commitment to equity and continuous improvement.Subscribe to "Black Wall Street Today" to hear more stories of Black excellence and economic empowerment."Black Wall Street," "Black business," "Black entrepreneurs," "economic empowerment," "Dr. Natalie Halloran," "Till Hall Enterprise," "leadership development," "strategic planning," and "grant management"Interested in sponsoring the podcast? Want to contact Blair orBrian or Black BRAND? Info@BlackBRAND.biz . The Black WallStreet Today (BWST) radio show is focused on all things Black entrepreneurshipand hosted by Virginia Tech alumnae Blair Durham, co-founder and co-Presidentof Black BRAND. The BWST podcast is produced by using selected audio from theradio show and other Black BRAND events. BWST is the media outlet for BlackBRAND. Black BRAND is a 501(c)(3) organization that stands for BusinessResearch Analytics Networking and Development. We are Hampton Roads RegionalBlack Chamber of Commerce. We promote group economics through professionaldevelopment and community empowerment, and we unify the black dollar byproviding financial literacy, entrepreneurship training, and networkingresources!   http://blackbrand.biz  m.me/blackwallstreettoday  +  info@blackbrand.biz  +  (757) 541-2680 Instagram: www.instagram.com/blackbrandbiz/ + Facebook: www.facebook.com/blackbrandbiz/   Find Black Owned Businesses in the 757: www.HRGreenbook.com Invest in Black Excellence! Watch all episodes of www.GenerationalFlip.com now! $20k - $90K of business funding - https://mbcapitalsolutions.com/positive-vibes-consulting/Get up to $20k in American Express Credit - Here's my Amexreferral link. Use it and we could both earn rewards if you are approved and get a Card. Check out offers and Card benefits. https://americanexpress.com/en-us/referral/delta-skymiles-gold?ref=SEKOVxoJW&xl=cp10mgMoney for your business: https://davidallencapital.com/equipment-financing?u=&u=PositiveVibesInvest in stocks via STASH: https://get.stashinvest.com/sekosq72j  Raise money with Republic: https://republic.com/raise/i/jpdajr 

With international value stocks outpacing their U.S. growth counterparts in 2025, there has been a shift and value investing's resurgence is more pronounced overseas. Today's Stocks & Topics: ECPG - Encore Capital Group Inc., Market Wrap, Value Investing Is Finally Excelling Again in 2025 — But There's One Catch for Americans, Short-Term Rental Market, Gains and Taxes, BWXT - BWX Technologies Inc., Artificial Intelligent, AVB - Avalonbay Communities Inc., DE - Deere & Co., Interest Rates.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

From the dot-com boom to today's AI frenzy, bubbles follow a familiar script. This episode explores how to recognize them, what sustains them, and how to position your portfolio without getting swept up in the hype.Topics covered:How U.S. stock markets are the most concentrated and most expensive of all timeWhat constitutes a bubble and what sustains itHow to invest during a bubbleChanges David recently made in his portfolio in response to the AI bubbleSponsorLinkedIn Jobs – Use this link to post your job for free on LinkedIn JobsInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesI'm Changing How I Manage My Money Because of AI by Hank Green—YouTube% S&P 500 share of top 10 companies by market cap %—Apollo AcademyCharted: S&P 500 Market Concentration Over 145 Years by Kayla Zhu—Visual CapitalistAI's Moment and Insights from Themes Past by Anil Rao—MSCIHow Pimco Outmaneuvered Apollo and KKR to Win $29 Billion Meta Deal by Carmen Arroyo and Laura Benitez—BloombergHow to invest in a stock market bubble by Stuart Kirk—The Financial TimesBubble, Bubble, Toil and Trouble by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research AffiliatesRelated Episodes535: Six Principles for Thriving Under Uncertainty and How Big Tech Is Doing the Opposite 503: U.S. Stocks Have Never Been This Overhyped or Expensive500: The S&P 500 Index and the Decade Ahead365: Why Some Asset Bubbles Don't BurstSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As Jerome Powell prepares for his final Jackson Hole address, we look back at how his speeches at the Fed's most important annual gathering have shaped the past six years of monetary policy. From “transitory” inflation to the Volcker comparisons of 2022, Powell's Jackson Hole moments trace the story of his tenure and the economic landscape we're living through today. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Today's episode is from Mobile Home Park #16 that originally aired on July 28, 2016. Charles and I will discuss mistake number 8 from our popular eBook, “The 21 Biggest Mistakes Investors Make When purchasing their First Mobile Home Park…and how to avoid them.” One thing we see often is that many investors will choose to look for parks locally for the sole purpose of being near the park. There is nothing wrong with being close to your park, but you definitely don't need to be. If you find that you live in a market where CAP rates are insanely low or in a market that is going through tough times, you would be much wiser to invest outside of your immediate area. The business model and management style we teach is effective whether you live across the street from your park or across the country. Don't put yourself in the position of buying a bad investment just for the sake of being close to it. Proximity does not correlate to success in this business. Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

In this Wicked Smart Master's Class, I sit down once again with Adam Carroll—internationally recognized financial literacy expert, best-selling author, TEDx speaker, and creator of The Shred Method.   Adam has been a repeat guest on our podcast because every time he joins us, he brings fresh strategies and insights that help our community accelerate their journey to financial freedom. In this episode, Adam shares the foundation of his 10-Year Freedom Plan, how The Shred Method helps people pay off mortgages and debt faster than they ever thought possible, and why mastering liquidity and cash flow makes the leap from employee to entrepreneur less risky and more rewarding.   Whether you're preparing to leave a job, scaling your investing business, or just looking to get ahead financially, this episode will give you practical, proven steps to take control of your money and create lasting wealth.   Key Talking Points of the Episode   00:00 Introduction 01:07 Who is Adam Carroll? 03:06 The Shred Method: The purpose behind it and what's new 05:37 How Shred reduces monthly mortgage payments without refinancing 06:47 Overcoming undercapitalization through The Shred Method 07:35 The role of coaching, mentors, and masterminds in accelerating success 10:23 Stacking skills and knowledge for exponential growth 14:04 Overcoming status quo bias and pushing past excuses 15:03 The cave you fear to enter holds the answers you seek 17:59 Learn more about The Shred Method 18:14 Uncertainty in the economy = opportunity for prepared investors 19:30 Combining Smart Real Estate strategies with Shred for maximum results   Quotables   “The number one thing that will kill a business is being undercapitalized.”   “When you invest heavily in coaching and mentorship, your income expands tremendously.”   “Uncertainty breeds opportunity for the people who are prepared.”   Links   The Shred Method https://smartrealestatecoach.com/shredmethod QLS Live https://smartrealestatecoach.com/qlspodcast   Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast   FREE Master's Class http://smartrealestatecoach.com/masterspodcast   FREE Strategy Session with Chris Pre http://smartrealestatecoach.com/actionpodcast   QLS 4.0 https://smartrealestatecoach.com/qlspodcast   Investor Resources https://smartrealestatecoach.com/resources   Apprentice Program https://smartrealestatecoach.com/apprentice-pod   In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod   3 Paydays Virtual Event https://smartrealestatecoach.com/3paydayspodcast   REI Blackbook https://smartrealestatecoach.com/REIBB-pod   7 Figures Funding https://smartrealestatecoach.com/7figures-pod   Land Voice https://smartrealestatecoach.com/landvoice-pod   Propsperity https://propsperity.io

For landlords, school districts can make or break an investment. Families will pay a premium to rent in top-ranked districts, but today's high prices and interest rates make cash flow nearly impossible in these areas. In this episode, we dive into the latest Realtor.com data showing million-dollar-plus price tags in elite districts like Carroll ISD in Texas and Laguna Beach in California, where even $9,500 rents don't cover costs. We'll also explore why mid-tier schools—rated 6 or 7—often represent the real sweet spot, balancing affordability, cash flow, and tenant stability, and how revitalization, zoning, and tech-driven growth are reshaping the equation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Klaus Kleinfeld – the only person to serve as CEO of two Fortune 500 companies on different continents (Alcoa in the US, Siemens in Germany), global advisor, founder of K2 Elevation, angel investor, and author of Leading to Thrive. First Dollars & Early Hustle: At 12, worked illegally at a supermarket in Germany, later launched a Santa Claus business delivering gifts (and family messages!) on Christmas Eve. Early work taught the value of money, the realities of management at all levels, and why people must create and be paid for value. Mindset Developed by Adversity: Father died at age 10, grew up with a strong sense of self-reliance and urgency to earn. Immigrant family background; learned that “money is freedom” and that every dollar earned created options. Time spent with East German relatives instilled the lesson that money only matters if it can actually buy value. Spiritual & Emotional Energy: Foundation in faith (Protestant roots) was a crucial “anchor” through hard times and later in life. Dr. Kleinfeld's new book, Leading to Thrive, stresses the four types of energy: physical, emotional, mental, and spiritual. Advocates for not shying away from love, gratitude, and faith even in the corporate world—even if those topics are often taboo at the boardroom level. Career Guidance & Advancement: Career wasn't about status, but about maximizing freedom and value creation. The path to more money: “Money comes in exchange for creating value—become indispensable and you'll gain negotiating power.” Focus less on salary and more on skill acquisition; become a self-starter and continually improve. Key mantra: “Love it, change it, or leave it.” Life is too short to waste in situations without progress or fulfillment. Overcoming Fear and Stagnation: Don't let fear (False Expectations Appearing Real) keep you “stuck”—analyze the true risks, and realize that most bad outcomes never materialize. Lessons from high performers: It's about energy management (physical, mental, emotional, spiritual), not mere time management. Embrace continuous experimentation and agile adjustments—failure is just feedback and learning (Edison paradigm: every failed attempt is progress). Legacy and Regret: Biggest regrets from those at the end of life: not being truer to themselves and not choosing happiness sooner. See happiness as a daily, conscious choice, not something to seek only at the end. Dr. Kleinfeld's Actionable Advice: Focus on increasing your value to others—money follows value. Regularly reassess: “Love it, change it, or leave it.” Invest in managing your physical, emotional, mental, and spiritual energy. Don't let fear dictate your story—break it down and act despite uncertainty. Read and learn from others (“Books condense a lifetime into a few hours—take the shortcut!”). Connect with Dr. Klaus Kleinfeld: https://www.leading-to-thrive.com/

Title: How You Can Win Trump's Tariff War  Summary: The video hosted by Seth Bradley discusses the potential economic implications of President Trump's aggressive tariff policies and how they might present unique opportunities for wealth building in America amidst global economic upheaval. Bradley explains that tariffs—essentially taxes on imports—are economic tools that can protect domestic industries but also lead to broader economic challenges, particularly if not applied thoughtfully. He outlines the dynamics of Trump's tariff strategy, including a systematic and reciprocal approach to trade that could reshape relationships with various countries.   Seth Bradley emphasizes that while the stock market is experiencing volatility and media outlets are reacting negatively, there are underlying opportunities that savvy investors should seize. He advocates for a focus on U.S. manufacturing and infrastructure, energy independence, and advancements in AI and automation as key areas for investment. The video posits that although immediate challenges like inflation and retaliation from trade partners are likely, the long-term outlook sees a potential reshoring of American industry, a reemergence of economic sovereignty, and ultimately an empowered U.S. economy. Links to Watch and Subscribe: https://www.youtube.com/watch?v=DgWxz_V0lPk&list=PLSfheWyV7beFqERLX4ebBUJ4SmzmF6z8e&index=2 Bullet Point Highlights: Market Volatility: The stock market sees a significant downturn as tariffs take effect, presenting both challenges and opportunities. Tariff Strategy: Trump's tariffs are described as calculated economic warfare, designed to compel countries to negotiate trade terms. Manufacturing Reshoring: The video advocates for investing in U.S.-based manufacturing as companies look to bring jobs back onshore. Energy Independence: Emerging opportunities in U.S. energy production are highlighted amid tariffs hurting foreign oil imports. AI and Automation: The potential for AI-driven solutions to replace expensive offshore labor costs is discussed as a strategic investment avenue. Investment Strategies: Three key strategies are proposed for capitalizing on the unique economic landscape: investing in infrastructure, energy, and AI technologies. Vision for the Future: The potential long-term benefits of Trump's tariff policies are framed as a chance to reset trade imbalances and promote U.S. economic strength. Transcript: (Seth Bradley) Trump just broke the global economy and it might be the best thing to happen to America in decades. The stock market is crashing. China, Mexico, Canada, they're retaliating. The mainstream media is melting down. But the truth, if you understand what's really going on, this might be the single greatest opportunity of the decade to build wealth. So, let's break it down. No fluff, just facts. What's up, big brains? Welcome back to Raise the Bar, where I simplify complex money, legal, and political moves so you   can make power plays in real time. I'm Seth Bradley, securities attorney, founder, and investor, and I quit a multiple six-f figureure big law job to pursue entrepreneurship and a life without limits. Today, I'm giving you the truth about tariffs, Trump's Liberation Day, and how to turn this global shakeup into your personal leverage point. All right, let's get it. Let's start out with the basics. So, what exactly is a tariff? At its core, a tariff is a tax on imports. That's right. It is a tax. When a foreign   company sells goods into the US, the government slaps on a tax, usually a percentage of the total value. So, if a car from Germany costs 50k and there's a 10% tariff, then that car now costs $55,000 to bring into the US. So, who pays the tariff? Well, it's US importers, not the foreign shippers. And yes, it trickles down to you, the consumer, right here in the US. But tariffs aren't just taxes. They're economic weapons. And right now, Trump's using them with either surgical precision or as a nuclear bomb,   depending on how you look at it. All right. To know where you're going to go, you have to know where you come from. Tariffs go way back in American history. It's not anything new. And in fact, before the IRS, tariffs were how we paid for the entire federal government, rather than through, let's say, income taxes, property, capital gains taxes, and all these other taxes that we all just know and love today. Tariffs haven't always resulted in good or bad for the US. It's a mixed bag. Alexander Hamilton pushed for tariffs to protect   US industry. Success, yes. Abraham Lincoln used them to industrialize the North during the Civil War. Success, yes. But in the 1930s, the Smooth Holly Tariff Act backfired hard, triggering a trade war that deepened the Great Depression. So, not always successful. Tariffs can protect jobs and industries, but if they're too extreme or poorly timed, they can tank the economy. So, the key is strategy. And whether or not you believe in Trump, he's playing chess here, not checkers. Something you never   used to associate with Trump is humble, but he has come a long way and is humble enough to at least have some of the greatest economic minds in his corner. So, they have a business-minded mentality, and that's exactly what this is. We need to stop treating the government like it's aing goodwill. It's not here to give you for free, and it's certainly not here to take what's yours. It's here to work for you, for what the people want, and decide through a democratic process what to do. Once upon a time, we literally became a   country because we wanted independence, self-sufficiency, and freedom. We chose to break free from overt taxation, oppression, control, regulation, and government oversight. What's happening in 2025? In case you missed it, let's get caught up right now. Trump has declared Liberation Day and followed up with the most aggressive global tariff policy in modern history. A minimum of 10% tariffs on every import into the US, up to 60% tariffs on China. That changes every single day though. Reciprocal   tariffs on all countries. If a country charges us 25%, we charge them 25% back. But that's not exactly true. And we'll get into more of that later. Canada and Mexico not exempt. This isn't just about China. It's about a full global reset. So the kicker is formula based. Trump's trade team built a publicly disclosed algorithm that adjusts tariff rates based on countries how countries treat the US exports. It's dynamic. is constantly changing. It updates monthly. This isn't random. It's calculated   economic warfare. All right, next. Now that it's in effect, what's happening? Well, you're seeing it. Wall Street is panicking. S&P 500 is down 14% in the first two weeks. Tech stocks are plummeting. Elon Musk just posted on X that supply chain realignment is overdue and this pain is necessary. Mexico is negotiating. Canada's threatening retaliation, but also showing signs of blinking. China, they're digging the toes in, but there's exports that are suffering. You just won't hear all this stuff on CNBC, but you know, many of   these global players are coming to the table. Tariffs are doing exactly what they're designed to do. Force negotiation, good or bad. Trump's move is forcing every country to rethink dependence on the US consumer. And not just that, it's forcing us to rethink how we depend on them. All right, let's set the record straight on a few of these common things that are floating around here. One, tariffs only hurt the other country. That's totally wrong. US businesses and consumers feel the sting, and we will. We are, at least   at first. Sometimes you're going to hear this is just economic nationalism. But that's also wrong. This is about strategic leverage, not about isolating us. Third, it's inflationary in the short term. This is true. But if local supply chains relocize, prices stabilize and strengthen the domestic economy and we'll be good to go. But right now, we're feeling it. Next, tariffs can bring manufacturing back. This is true. Maybe, and we're already seeing US factories reannounced, reopenings in Michigan, Ohio, Pennsylvania, places   like that. And we've seen trillions of dollars of investment promises rolling in already. But if this steers us into a deep recession, companies won't have the resources or confidence to build. All right. So, what's my prediction? And some of these aren't even predictions cuz they're happening right now. Are risks, short-term inflation, price increases, stock market volatility, retaliation from trade partners. These things are already happening. So, they're probably just going to escalate for the near future.   But the potential upsides, reshoring of manufacturing, massive supply chain independence, huge massive negotiation leverage for better and at the very least equal trade terms. Stronger US dollars, capital fleas, unstable markets abroad. Those are all massive positives, but they're not going to happen overnight. So, what's my prediction? short-term pain, long-term economic sovereignty, but we're entering a serious rebalancing period, and the US is reasserting its economic power. And while it hurts now, this could finally   reset the broken trade game that's been bleeding our economy dry for decades and would eventually take us down. All right, so what do we do about it? We need to capitalize. So, what are the three smartest ways to capitalize on Trump's 2025 tariffs? There are lots of unknowns and unpredictability in business. But one thing is always true. When there's panic in the streets, there is massive opportunity somewhere and there's going to be wealth transfer. For those with cool heads, fortitude, and discipline, we can win. So, what am I   doing? And what can you do to capitalize on all of this unpredictability? All right. Strategy number one, invest in US manufacturing and infrastructure. Tariffs equal a return to Americanmade. Full stop. Trump's reciprocal tariffs aren't just economic sanctions. They're a forced reshoring event here in the US. Global trade is breaking. Supply chains are rerouting. Countries like China, Mexico, and Canada, they're scrambling to adjust. And meanwhile, America is rebuilding. This is your moment to build   wealth while the rest of the market panics. So, how do we actually do this? Play number one, invest passively in the U in industrial and infrastructure projects. Tap into private equity funds, syndications, or REIT alternatives that focus on, of course, manufacturing facilities, US-based supply chain logistics, cold storage, and warehouse assets, transportation, freight infrastructure, that stuff works, too. These funds are just pouring into the reshoring initiatives, not just from the government, but from Fortune 500   companies rethinking their risk exposure. Play number two for my capital raisers out there. Raise capital for experienced sponsors in the same space. If you're not the operator, but you've got a network, become a capital aggregator. Use SPVS or fund of funds models like TriVest to compliantly pull investor capital into high quality US industrial and infrastructure deals. Bring your network along. Bring limited partners into deals with better terms, higher leverage, and strategic upside. Focus on experienced sponsors. Of   course, do your due diligence. Make sure they have a track record in industrial real estate or again critical infrastructure. All right, play number three. If you have the resources, buy directly. Also got to have the knowhow, right? Focus on manufacturing assets, warehouses near growing ports, logistics hubs, things like that. Make sure you have a boots on the ground partner if it's not you in that local market. Think markets like Columbus, Kansas City. These cities are turning into many powerhouses as global shipping patterns   shift inland. Bonus play, buy dirt where the roads are going. Right? So, if you're into residential and you don't know anything about industrial and you're not comfortable with it, think about residential and mixed juice land near inland ports, new highways, industrial corridors, growth zones, things like that. These plays won't necessarily cash flow day one, but they will appreciate like crazy over the next 3 to 5 years as that infrastructure is finally built out. Strategy number two, energy independence investing. If   manufacturing is the body, energy is the blood, where are you going to power this thing from? Trump's tariffs are slamming foreign oil and renewables equipment. And that gives domestic US producers, especially in oil and gas and renewables such as batteries, an unmatched advantage. And with the world watching this tariff war unfold, there's one thing everyone agrees on. Energy is national security right now. So what do you do? Play number one, invest passively, of course, in US energy assets, oil and gas royalties, own a   slice of production without the drilling risk. You have to dig deep into those documents and see what you're getting yourself into. There's a lot of different oil and gas funds that are structured in different ways and have different tax incentives versus cash flow. So, make sure you dig deep into that. Also look at battery manufacturers like Stack Rack Battery, especially US-based ones, solar developers, those leveraging domestic supply chains. Look for funds and startups focused on energy independence, not just ESG headlines.   Real world example, I had mentioned StackRrack battery. I co-founded StackRrack, a US-based modular battery company. And we're not just producing batteries, we're part of the national grid modernized push. Our battery systems are designed, they're assembled, and they're shipped right here in the US. We're ULcertified, scalable, and recession resistant. And tariffs just gave us a built-in mode. This is exactly what happens when policy meets opportunity. You just have to open your eyes and find those right opportunities.   And a bonus here, tax credit tailwinds. The US is still offering massive tax credits under the Inflation Reduction Act, for now at least. Pair that with import based price increases and you've got a once in a decade profit window. And building on that, what's your capital aggregator play? If you don't want to operate, partner with fund managers or sponsors deploying capital into these sectors, be the legal, the capital raising or the strategic partner in high demand governmentbacked tariff fueled energy projects. My law firm,   Raise Law, can help you build any capital raising structure you can imagine. So feel free to reach out. All right, strategy number three, back or build AIdriven alternatives to offshore labor. Tariffs don't just hit goods, they hit services, too. Let me explain. Think about it. If China, Mexico, or Canada are now more expensive to work with because of reciprocal tariffs, that raises the cost of offshore labor. So, enter what's happening right now. AI, automation, US-based software. This is your moment to kill the middleman.   Reduce labor cost and automate what is already going to be offshored. This is your moment to kill the middleman. Reduce labor cost and automate what was once offshored in different countries. So here we go. Play number one. Build or invest in AI tools that replace outsource labor. Think about jobs like customer service, document review and data entry, uh logistics coordination, manufacturing floor labor, things like that. It's not sci-fi. The LLMs and the manufacturing robotics are ready today and the opportunity is right now. All   right, so step-by-step action plan. Identify high friction outsource tasks that just got more expensive. Right. Next, what's the capital aggregator play? partner with early stage AI founders or companies. Use your network expertise or capital raising jobs to make strategic investments or even try to leverage an advisory equity position or a role in a startup in these sectors. I've done it and feel free to reach out and I can tell you more about how I've done it. So, pro tip though, don't just invest in AI for the sake of it. Invest   in AI that displaces foreign labor. That's where the pressure is. That's where the real value will be. This is the moment most people will fear. We're in it right now and a few smart ones will capitalize. Tariffs are just the first shot in a major larger realignment. And if you're able to stay calm, not get caught up in all the political nonsense. This is a time where real wealth changes hands. Keep your mind clear, keep your eyes open, and if this breakdown helped you see the game clearer, smash that subscribe button,   drop a comment with your take on Trump's global economic strategy, and let me know, are you playing offense or defense? Keep your head in the game. Raise the bar, baby. Until next time, enjoy the journey. [Music] Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=DgWxz_V0lPk&list=PLSfheWyV7beFqERLX4ebBUJ4SmzmF6z8e&index=2 https://www.facebook.com/sethbradleyesq/posts/pfbid02RZL2XfebNjV7orN7Ze4Ue8z437ZobHSQoDoCZWwLNwG1VgsshZrRMSkyeGkydwZGl https://www.instagram.com/p/DIUN1PvTvgQ/ https://x.com/sethbradleyesq/status/1910758713683746925 https://www.linkedin.com/posts/sethbradleyesq_tariffs-trump2025-donaldtrump-activity-7316522747164086272-47ae?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAKVay0BMf-qnL2v6W-30PvVRZnCs0eCFQU https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en

Today's episode features an interview with Viet Huynh from Hygreen, a company introducing an autonomous, solar-powered robotic lawnmower called Go, designed for residential use. The discussion highlights the mower's advanced features, including an AI camera for precise mapping and obstacle avoidance, ensuring it stays out of designated "no-go" areas like ponds or flower beds. Eric and Viet explore how this technology offers convenience, sustainability, and time-saving benefits for homeowners, suggesting it could allow individuals to focus on other pursuits like gardening or enjoying their ponds. The conversation also touches on the potential for this innovation to redefine the landscape industry, allowing professionals to shift from basic mowing to higher-margin services. The product is set for mass production in October and aims for a February 2026 release, with future plans including an autonomous pool cleaner. Key Takeaways: • Reclaim your time by automating tedious household chores like lawn mowing to focus on activities you enjoy.   • Invest in smart home technology to enhance your daily life and free up personal time.   • Prioritize higher-value pursuits such as gardening or building ponds, by delegating time-consuming tasks.   • Opt for sustainable solutions like electric, mulching mowers to benefit the environment and reduce noise pollution.   • Explore new innovations that leverage AI and robotics to improve efficiency and convenience in your home and lifestyle.  

In this solo episode of the Money Meets Medicine podcast, Dr. Jimmy Turner dives into various aspects of Bitcoin, including breaking down common criticisms and questions about the cryptocurrency. He discusses its security, value, and the reasons why he decided to invest in Bitcoin. Jimmy addresses concerns such as Bitcoin's intrinsic value, security vulnerabilities, the impact of government regulations, and its volatility. He also highlights the importance of continued education and research about Bitcoin.If you are a physician, you need disability insurance. Get a quote from a source you can trust at https://moneymeetsmedicine.com/disability 

My guest today is Mark Bertolini. Mark is the former CEO of Aetna and the current CEO of Oscar Health. He shares one of the most extraordinary leadership stories I've encountered—surviving a catastrophic skiing accident that left him in chronic pain for 18 years while simultaneously leading one of healthcare's most successful corporate turnarounds. His personal experience navigating his son's life-threatening cancer battle and his own medical challenges fundamentally changed his approach to healthcare, leading to innovations in employee welfare that Wall Street initially questioned but ultimately celebrated. During his tenure at Aetna, Mark generated 652% total shareholder return by implementing revolutionary employee policies and is now applying these lessons at Oscar Health to disrupt the $4 trillion healthcare industry with a technology-first approach. We discuss the power of servant leadership, employer-sponsored insurance vs individual choice-based plans, and the horizons of healthcare. Please enjoy this incredible conversation with Mark Bertolini. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠ ----- This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ramp's mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp.com/invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to sign up for free and get a $250 welcome bonus. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ridgeline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Head to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ridgelineapps.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more about the platform. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠ AlphaSense⁠⁠⁠⁠⁠⁠⁠⁠⁠. AlphaSense has completely transformed the research process with cutting-edge AI technology and a vast collection of top-tier, reliable business content. Invest Like the Best listeners can get a free trial now at⁠⁠⁠⁠⁠⁠⁠⁠⁠ Alpha-Sense.com/Invest⁠⁠⁠⁠⁠⁠⁠⁠⁠ and experience firsthand how AlphaSense and Tegus help you make smarter decisions faster. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Show Notes: (00:00:00) Welcome to Invest Like the Best (00:04:52) Mark's Ski Accident and Recovery (00:07:54) Early Life and Career Beginnings (00:12:51) Leadership Philosophy and Career Highlights (00:19:03) Healthcare System Insights and Innovations (00:25:31) Oscar Health: Current State and Future Vision (00:42:06) Personal Stories and Eastern Belief System (00:51:57) Discovering the Healing Power of Yoga (00:57:21) Transforming Employee Benefits and Wages (01:02:41) Personal Journey Through Chronic Pain (01:08:10) Reflections on Business Success and Leadership (01:15:54) Joining Bridgewater and Transitioning Leadership (01:22:47) Leading Oscar Health and Future Goals (01:34:12) Enduring Hardships and Finding Purpose (01:32:34) The Kindest Thing Anyone Has Ever Done For Mark

Warren Buffett has warned that frequent trading often leads to lower returns and instead he advocates for the patient, long-term approach of holding quality companies. Today's Stocks & Topics: EQT - EQT Corp., Market Wrap, DECK - Deckers Outdoor Corp., Why Investors Who Trade More Often Tend to Make Less, Cash Balance Plan, Bear Market in Equities?, Fed Rate Cut, DASH - DoorDash Inc., BX - Blackstone Inc., Credit Markets.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

After hitting new all-time highs above $124,000, Bitcoin is showing its first signs of weakness. Traders are watching closely as a six-week rally cools off, with historical cycles suggesting a pullback could be near. We look at seasonal market patterns, analyst expectations for Q4, and the growing influence of Bitcoin treasury companies. Plus: the latest on China's slowdown, altcoin season signals, and Gemini's surprise IPO plans. Brought to you by: Grayscale offers more than 20 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. To learn more, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grayscale.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.grayscale.com//?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-thebreakdown)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Let's talk about the rumored OPENING SCENE of Avengers Doomsday! Virtual Product Placement brought to you by Charles Schwab. Invest your way. Learn more at schwab.com Welcome back to the Rumor Rundown! In this episode, Gina Ippolito and Erik Voss connect the dots on what might be the opening battle of Avengers Doomsday… and how it could connect to the final scene of Avengers Endgame! Join the NR Underground for exclusive audio shows: https://nrunderground.supercast.com Check out our merch! http://www.NerdRiot.shop Written by: Erik Voss, Jessica Clemons, Gina Ippolito Head of Content & Executive Producer: Erik Voss General Manager: Zach Huddleston Head of Production: John Costa Director of Programming: Brandon Barrick Senior Producer: Jessica Clemons Producer: Gina Ippolito Staff Editors: Abby Freel, Brian M Kim, Joshua Steven Hurd Studio Tech: Brian M Kim For business inquiries please contact business@nrdigitalstudios.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Coin Stories, Natalie Brunell is joined by Shirish Jajodia, Corporate Treasurer and Head of Investor Relations at Strategy. In this episode: How investor relations is evolving in the digital asset era  What investors really care about when evaluating Bitcoin companies The challenges and opportunities of managing a Bitcoin treasury Does MSTR move Bitcoin's price when it buys? Why fair value accounting matters for corporate Bitcoin adoption Shirish Jajodia's outlook on Bitcoin-backed credit products and corporate treasuries ---- Coin Stories is powered by lead sponsor Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. 10% back at golf courses is available until 9/30/2025 on up to $250 in spend per month. Learn more at https://www.gemini.com/natalie  ---- Coin Stories is powered by Bitwise. Bitwise has over $10B in client assets, 32 investment products, and a team of 100+ employees across the U.S. and Europe, all solely focused on Bitcoin and digital assets since 2017. Learn more at https://www.bitwiseinvestments.com  ---- Coin Stories is powered by Bitdeer Technologies Group ($BTDR), a global leader in Bitcoin mining and high performance computing for AI. Learn more at https://www.bitdeer.com  ---- Natalie's Bitcoin Product and Event Links: Secure your Bitcoin with collaborative custody and set up your inheritance plan with Casa: https://www.casa.io/natalie  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Get 5000 sats when you download using this link and promo code COINSTORIES10: https://www.speed.app/sweepstakes-promocode/  Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.AbundantMines.com/Natalie   Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Your Bitcoin oasis awaits at Camp Nakamoto: A retreat for Bitcoiners, by Bitcoiners. Code HODL for discounted passes: https://massadoptionbtc.ticketspice.com/camp-nakamoto      ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Welcome to this episode of Impact Theory with Tom Bilyeu, where Tom takes us on an urgent deep dive into one of the most pivotal moments in our economic and technological history. Remember the internet boom of the late '90s, when overnight millionaires were made and fortunes were built at lightning speed? Tom argues that we're now living through an even bigger shift—the explosive rise of artificial intelligence. In this episode, Tom lays out why the AI revolution isn't just another trend, but a once-in-a-lifetime opportunity to build wealth. He breaks down the historic patterns of wealth creation during periods of innovation, why most people end up missing out, and how today's AI boom is moving at a pace we've never seen before. You'll hear stories of missed opportunities, get a clear-eyed assessment of the risks, and learn important lessons from the dot-com boom and bust. But it's not all hype—Tom gives actionable advice on how to navigate the volatility, avoid common pitfalls, and build a smart, diversified investment strategy. Whether you're an entrepreneur, an investor, or someone looking to secure your financial future, this episode is packed with insights about how to position yourself on the right side of history during the AI revolution. This is your wake-up call to understand the scale of what's happening, evaluate how to get in the game, and make sure you're not left on the sidelines wondering, “What if?” So get ready to discover how you can capitalize on the biggest wealth-creation event of our era, straight from Tom Bilyeu. SHOWNOTES 00:00 "Invest in Stock Market Now" 10:56 Missed Opportunities: Apple and Beatles 22:50 AI's Transformative Impact: Hype or Reality? 33:07 "Keys to Building Successful Companies" 42:26 Seize the Wealth Wave CHECK OUT OUR SPONSORS Vital Proteins: Get 20% off by going to ⁠https://www.vitalproteins.com⁠ and entering promo code IMPACT at check out Allio Capital: Macro investing for people who want to understand the big picture. Download their app in the App Store or at Google Play, or text my name “TOM” to 511511. SleepMe: Visit ⁠https://sleep.me/impact⁠ to get your Chilipad and save 20% with code IMPACT. Try it risk-free with their 30-night sleep trial and free shipping. Tailor Brands: 35% off ⁠https://tailorbrands.com/podcast35⁠Shopify: Sign up for your one-dollar-per-month trial period at ⁠https://shopify.com/impact⁠Hims: Start your free online visit today at ⁠https://hims.com/IMPACT⁠. Even Realities: Smart glasses, real style ⁠https://evenrealities.bio/6e396d⁠ What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business:⁠ ⁠⁠join me here at ZERO TO FOUNDER⁠ SCALING a business:⁠ ⁠⁠see if you qualify here.⁠ Get my battle-tested strategies and insights delivered weekly to your inbox:⁠ ⁠⁠sign up here.⁠ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast,⁠ Tom Bilyeu's Mindset Playbook⁠ —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my⁠ Twitch stream⁠. I'm live daily from 6:30 to 8:30 am PT at⁠ ⁠⁠www.twitch.tv/tombilyeu⁠ ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS:⁠ ⁠⁠apple.co/impacttheory⁠ ********************************************************************** FOLLOW TOM: Instagram:⁠ ⁠⁠https://www.instagram.com/tombilyeu/⁠ Tik Tok:⁠ ⁠⁠https://www.tiktok.com/@tombilyeu?lang=en⁠ Twitter:⁠ ⁠⁠https://twitter.com/tombilyeu⁠ YouTube:⁠ ⁠⁠https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Craig Bewick, Head of Retail Education for the CME Group to discuss: how futures contracts work, why retail investors are becoming a bigger part of the futures market and more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the recent executive order by the White House, which could bring Americans closer to retirement plan access for real estate, private equity, and crypto. He also interviews two listeners:  Luke Frizell, a Navy officer who leverages principles from the show to invest in residential assisted living (RAL) properties, and Dr. Axel Meierhoefer, who uses turnkey properties and agricultural investments to build a diversified portfolio.  Both guests share their strategies and insights into real estate investing.  Resources: Explore the exclusive Texas income property deals available to Get Rich Education listeners, with up to $41,000 in incentives, book a strategy session here. Show Notes: GetRichEducation.com/567 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith, welcome to GRE. I'm your host. Keith Weinhold, it's an episode focused on you as we feature two GRE listener guests today. See how they've leveraged listening to this show into real world, real estate investing action then a property opportunity to announce to you on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:12   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  1:22   Welcome to GRE from Mannheim, Germany, to Mannheim, Pennsylvania and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, you probably grew up playing the board game Monopoly. Well, imagine playing Monopoly and never buying an asset that generates income. What if you just went around the board collecting $200 giving your money to the rich and trying to stay out of jail. Does that sound ridiculous? Well, that's how most people live their lives. We don't do that here at GRE we add real assets that pay us while we own them, and more and more people can potentially soon get exposure to these asset types. The White House recently reported that Trump made an executive order that is bringing Americans closer to getting retirement plan access to real estate, private equity and crypto. I mean, think about what that could do to overall real estate demand, pushing up prices. It could make the industry boom. Sort of how the advent of 401, KS helped the stock market boom. Also, another development is that in order to qualify for mortgage loans, crypto could soon be used as an asset in your mortgage qualification. That's per the FHFA, and that's what they're moving toward. Now there's been a lot of novel information and developments and stories like that this year, as we're in a presidential administration that shakes up all kinds of status quo policies, from foreign wars to tariffs to us real estate. Journalistically, it's important to be accurate and avoid misinformation and false news as the AI era is near its nascency. Still, you have got to be increasingly cautious about where you get your information. I got a stark reminder of this recently, now former presidential candidate and HHS Secretary, Robert F Kennedy Jr and I recently did a stair climber workout together at a gym. You probably know that RFK Jr leads the MaHA movement make America healthy again, which I support, and much like me, he's an avid fitness enthusiast, and that's the kind of stuff that we talk about. Well, there are now some photos of RFK, JR And I out there exercising together, something that's okay with me. I'm even proud of that. I shared one of those on my social media myself. He and I don't talk politics or vaccines or even diet or just exercise enthusiasts. That's what we talk about. That's our common ground. Well, a Facebook post of RFK JR and I exercising together, and here's where the terribly irresponsible misinformation comes in. Meta AI has a one touch link from there to what they call Weinhold and RFK Jr collaborations. Here's how it reads. I'll read it all word for word, and so much of it is false. Keith Weinhold and Robert F Kennedy Jr have a close friendship that has garnered significant attention. Keith Weinhold, a businessman and podcaster, has been a vocal supporter of Kennedy's work and advocacy their friendship has been built around shared interests and values, including their passion for environmental issues and their skepticism of mainstream narratives. Weinhold has often featured Kennedy as a guest on his podcast, where they discuss issues ranging from vaccine safety to corporate accountability. Together, they have collaborated on various projects, including the promotion of Kennedy's book the real Anthony Fauci. Their friendship has been subject to scrutiny, with some critics accusing them of spreading misinformation. That's the end of the meta AI page. What in the world? How do they come up with this stuff? The only shared interest we've collaborated on is fitness at the gym. And you as listener know that he's never been a guest on this show. Now, if his expertise were real estate investing or economics, well, then I might invite him on. How does meta AI come up with this stuff about vaccines and Fauci I mean, that is so far away from my area of focus. I haven't weighed in on any of that stuff. My gosh, this meta AI page, it is published work for all to see, and it is about 90% false. So my point is, there's a lot of information out there about everything from real estate investing to endangered sharks to cooking tomato soup. Be careful. Pay attention to information that has cited reliable sources. And AI in its current fledgling stage, it really muddies the picture. One thing that might help is that open AI's chatgpt Five, which recently debuted, it is better. It's an improvement. For example, if it does not know the answer to a question that you have, it will tell you that it does not know the answer, instead of making up something fake just to give some sort of answer like previous versions. Did we need more of that coming up here on the show. In future weeks, we have vital monolog material from me, as always prominent guests, new guests and repeat guests. Last week, I answered your listener questions here on air, you can always write in with your questions or comments at get rich education.com/contact this week, it's interviewees like you, as I talk to the first of two listener guests.   Keith Weinhold  8:17   He has been an avid GRE listener for a few years, and says that he shifted from bigger pockets and other content over almost exclusively to get rich education for real estate and market content. He uses the principles taught through GRE to focus on his niche, which is residential assisted living, R, A, l, investments at the single family home level, he owns two single family units that also have ADUs and a handful of Ral units, which has helped him reach his goal of replacing his military income with property cash flow. He is a husband, father of three boys and active duty Navy officer currently stationed in Virginia Beach, Virginia, a buy and hold investor. He began investing in real estate in 2017and now owns a portfolio that includes rental properties in San Diego, five Ral homes in Phoenix and GP stakes in two Ral syndications. He is also the founder of open range capital in the Ral room, there are two platforms dedicated to scaling the Ral model. Again, that's residential assisted living, scaling those across the US. And when he's not serving or investing, you can find him on the lacrosse field, playing, basketball, training, Jiu Jitsu or chasing down any kind of competition. Hey, welcome to GRE. Luke frazell,    Luke Frizzell  9:37   Keith, thank you for the introduction. Appreciate that very kind. And once I started investing in 2017 I got started with the bigger pockets train, and pretty avidly listened to their podcast and taking some action on my own, I actually found your podcast and your website, and it was so much more efficient in the information that I needed to hear. I. Know, and the the time that I could spend actually paying attention to real estate news and the important things that I need to be paying attention to as an investor, that I exclusively and paying attention through your email list and through your podcast, it's always great information. So I appreciate being on and thanks for having me. Keith,   Keith Weinhold  10:18   thanks. I try to keep things nutrient dense around here, Frizzell is spelled F, R, I, z, E, L, L, and look, I know your investing philosophy is strongly influenced by one of GRE most seminal and central mantras, and something that the world first learned right here on this show back in 2015 real estate pays five ways. Tell us about that.   Luke Frizzell  10:42   That is one of the best just mantras for whenever I'm talking to people about getting into real estate, yes. And I literally say, what the five ways that real estate pays, because that's how I heard about it was through you. And I was like, That is such a perfect illustration of why this beats, let's say, the stock market, or why this beats a lot of other investment vehicles, because you're not just getting the cash flow, which is a huge reason why people get involved in it, and that's actually the first thing that I'm scrubbing for whenever I'm looking for an investment. But of course, you're hoping for the appreciation, which I really just count as the cherry on top. And if I'm looking at a market from the macro lens, I'm making sure that the the city is growing, the jobs are coming in, there's a decent population, and at a macro level, that's the first thing you need to do before you dig into a city to make sure it's good to go. When appreciation happens, it's probably because those things are all in the right spot. And you're you're picking the right neighborhood, but just, you know, leverage, and being able to buy with 20% of the full amount down, that's a huge piece. And just the hedge against inflation that you get through a loan all the ways, I'm probably missing one, but that's one of the first things that I say when somebody's on the fence on whether they get into real estate investing is, Hey, these are the five ways I learned it from Keith's website, and I'll point them to you guys. That's how I found residential assisted living was really Yes, I had been an investor in San Diego and had great success there with, you know, the buy, rehab, rent, refinance, repeat, the burn method, and putting those five ways into practice. But what I really wanted, as I was looking towards getting out of the military in a few years was more the cash flow piece. So that's what drew me to Phoenix. I actually heard a podcast where somebody was talking about this strategy where you buy a home and you lease it out to a senior care operator and they are paying two to three times the lease amount that you would pay or get from a single family rental, and yet you're also getting all the benefits of real estate. So it seemed pretty hands off, which checked the box for me on that since I was working an active duty job, and then it was also very high, high cash flow. So that's what got me into residential assisted living, and has kept me into it, and I've brought a couple partners into what we're doing, and really bringing my partners in is brought us so much further than I would have ever gone myself. The core tenets of five ways real estate pays has definitely influenced my thoughts as an investor and everything that I've done   Keith Weinhold  13:16   yeah, I can't believe more people don't talk about the compelling why for real estate investing? And I think real estate pays five ways. Is the most efficient and comprehensive way of doing that for sure, when it comes to Property selection and adding to your portfolio, like you touched on, I know that you like to say that you don't chase doors, you chase quality, and you have sort of this peace of mind with intentional investing over scale. Can you tell us about that?   Luke Frizzell  13:43   That's a great question. It was really a forcing function that formed my investor mindset was it has to be quality, because I don't have the time as somebody who's doing a full time job that's very time intensive, and sometimes I'm leaving for months on end before I come back and in my spouse works in something completely separately, so she doesn't have time to manage properties and things like that. It was forced upon me to be very efficient with what I invested in, and my wife was not. She, just like me, didn't grow up learning about real estate investing, so they had to really hit bang for buck whenever we made that first investment in order to buy her or get her buy in on it. And when that first rental check came in, I was able to take her out to a sushi dinner and say it was paid for by our our tenants. And that was kind of the first buy in piece Got it, got us in there. But, yeah, I really Chase quality. And we were very fortunate, and got a little bit lucky with the timing of our properties in California with covid and the interest rates we bought to early on in 2017 and then in 2020 before interest rates started going up, before prices got crazy out there. And those have done really well for. For us. But as interest rates continued to rise and as prices on homes continued to rise, I had to keep the efficient piece in the back of my mind. That's when I heard about the senior care investing number one. I was like, hey, yeah, the demographics, it makes sense. There's so many, that demographic of seniors, the boomer generation, reaching, you know, 80 years old, and coming to that time of life where they need care that is not going down. The medical system as flawed as it can be in our country. You know, people are living longer, and we need to house them, and people don't want to stay in a big box facility anymore that feels like a hotel and not personal, and you have a one caregiver to 30 resident ratio. People want more personalized care, like you would get at a private school. At a public school, you get what you get, and you don't throw a fit, which kind of the analogy I make for a facility versus residential assisted living. So what we invest in is the residential level, where you actually buy just a regular house and it may have four or five bedrooms in it, and let's say three bathrooms, and if it's a single story home that has, let's say 3000 square feet, that is a prime home to actually build out into a senior care home. And every state needs these. Every state has different laws and rules and regulations as to what some are going to require, different size door frames, different width requirements in the halls, ramp requirements, of course, for wheelchair access and such. At the end of the day, every state needs more housing for seniors, and it's really going to be an education piece on getting people up to speed. We have five homes in Phoenix doing this, this model. There's a lot of network already available there. Like people love to retire in warm weather. Phoenix is just a hotbed for these residential assisted living homes. So that's where we got started. But when you move into, you know, let's say rural Nebraska, it's not going to be as as prevalent. So you really got to do a lot more networking and education to zoom back to your question about quality over quantity. If you think about scaling to $10,000 per month in passive income, quote, unquote, passive, the way I look at it, if I can have one residential assisted living home that nets $10,000 per month when I talk about the one residential assisted living home that could make net $10,000 per month that would be running the operations yourself, where you have let's say the average resident across America is going to pay 4000 to $6,000 per month to stay in a home like what I'm talking about if One home, let's go with the low end of $4,000 per month has a capacity of 10 residents in the house, then you can have 10 residents at $4,000 per month. So that's $40,000 gross. And then if you the average, if you're running an efficient home, just having straight up staffing costs, that maybe cost you $15,000 per month, and then you have your mortgage and your debt, that takes you another $10,000 per month, and let's say another five for excess costs and food and things, that's $30,000 of expenses. So 40,000 minus 30,000 is $10,000 per month. That's an efficiently run home. But that is not the height of what someone could do with this strategy. We have partners that do $40,000 net per month in this strategy, and that's generally in the dementia care, memory care space. What we did when we started was something called the lease to operator model, and that's a little bit more hands off, actually, I would say a lot more hands off than the actual operations of the home, like what I just said, because if you're doing the staffing and you have the business liability, that's all pretty involved, and there's a lot of education and a lot of networking that you need to do to get to that point. When I got started in this, I did the least operator model, because I was time constrained and I didn't want to actually get involved with the hands on care number one, because I was in Virginia Beach, and the homes that we were buying were in Phoenix, so there was no possible way for me to do that when we bought our first home at 10 capacity, so there's 10 residents that can fit in the home. I found an operator and vetted them and moved them into the house, and they're paying me a lease for five years, so it's somewhat of a commercial lease, but it's a residential home, and I actually got residential insurance on the house. The business owner that is leasing from me has the business liability insurance, and now they're paying me two and a half times what would have been the regular lease amount that I could have gotten for that home. So in that area, they're paying me $8,000 per month on a five year lease, and that goes up 3% per year. However, if I was renting that out like a normal house, I'm. Be getting 2020 $500 per month, every month, on a long term lease.   Keith Weinhold  20:05   That's this way the manager operates it, rather than you, right? So I   Luke Frizzell  20:09   actually empower the manager, or this operator, is what we call them. That's why it's leased to operator. I empower this manager to actually run it themselves. I don't tell them you can't paint the inside of the house. I don't tell them you can't redo the floors when you want. If they want to do that, that's on them, but they owe me that lease amount every month, and I empower them to run the home however they want. What I'm making sure happens is I'm paying for the insurance on the house, and I'm making sure the roof is stable and the walls are not going to collapse. Everything else, from utilities to whatever is on them, and they are a full fledged business owner in there, and hopefully they stay once the five years is up.   Keith Weinhold  20:48   That's a really interesting way to do it, by the way. Just dropping back to your earlier comment, I like how you say your wife doesn't have time to do the property management. I think we both know that we are protecting her standard of living and quality of life when she is not the property manager. Yes, I think it's common knowledge in America that the senior population is growing faster than the overall population. In fact, about four past GRE episodes featured the late great gene Guarino here on the show, a big educator in the residential assisted living space. We've got this aging population, the silver tsunami, the demographics about it are surely undeniable. I think a holdup for some people is that you're merging real estate investing with an active business. However, you've just described something where you're sort of withdrawing from that active business part, getting a leaseholder to pay you two and a half times the market rent, if you just had it as a buy and hold property and having them operated, is that right?   Speaker 2  20:48    Yeah, and I that's obviously a rough I say two to three times. I like to call it Airbnb numbers in a good market, without the stolen paper towels.   Keith Weinhold  20:48   You know what I mean? Like that, the stolen paper towels, the vacancy, the managing a listing, the clean. So   Speaker 2  20:48   you're doing all the you're getting the reaping the rewards of, let's say, an Airbnb without any headache. Because once you've set that operator in there, and you've empowered them to do it, and you have a rock solid lease, you're wiping your hands clean, I have to reach out to my operators to get an update from them to make sure that everything's going well, because they're not reaching out to me they're running their home. And hopefully, if I've empowered them the right way, and I am allowing them to be successful, and they reach out to me and say, Hey, Luke, I want to actually expand operations. So if you buy another house in this area, let me know, so that I can expand my operations there as well.    Luke Frizzell  21:23   Yeah. Well, do you have any last things to tell us about the residential assisted living for example, I know you have four strategies. For one, to get invested in it.   Luke Frizzell  22:44   That's a good question. And and just to hit on your last point, you're I actually like that. You can mix the real estate with the business, if you have time for that. And many people can do that, especially if you come from a healthcare background, or you're a nurse, that you're just looking to do something out on your own and not just spending your hours working at the hospital. And maybe you're a caregiver that's not paid well enough, and you're overworked, but you know that you could go and do something like that, or you're a doctor, a lot of people can go out and do this themselves, but if you're like me, and you're just a working professional that doesn't have time to get into that, but you do have people skills, and can figure out, like, Hey, I've interviewed about five different operators for this, and I can tell that this one meets all the marks, and they're going to get in there, and I can trust them, and they have a good, extensive experience in this space, and they're going to pay me a reasonable lease. That makes sense for why I'm putting the risk into this. Yeah, I'm going to pick them and get them in there. That's a really good option for people. So that's one of the strategies, is lease to operator. Another strategy is the one we already talked about, which is own and operate. So you're getting the power of real estate. You're leasing from yourself as so it's one entity, one business entity owns the property, one business entity owns the care business, and you're leasing from yourself, and there's some major tax benefits to doing it that way. That's obviously the most time intensive, and you're probably going that route if you want to make this your life's path. The other option is actually, if you don't have the money right now to buy a house, but you have the drive and you have the experience to get into the actual operations, you could just lease from somebody like me and who owns the house and doesn't want to get involved in the operations just yet, and now you can just set up a lease with them. Phoenix is a really good hub. Houston is a really good hub, but cities across America are going to start finding out about this and needing to get this into their advertise, basically because the senior housing issue that we talked about. And then finally, you can passively invest in these through open range capital, we are investing in these, and we're actually developing some memory care homes in Northern Virginia right now. So if you go to open range capital, you'll be able to find opportunities to invest in these as a passive investor. Or there's folks in the rail room who are building. Memory Care Homes in Houston area, and they're offering over 20% returns to people who just want to, hey, you have money, but you don't have time, and you don't have the interest to actually do some of this yourself. But you understand the power of residential assisted living, and the way that this medical problem and the senior care housing issue is growing in our country. Well, you can put your money there instead of doing it yourself.   Keith Weinhold  25:25   These are four distinct strategies for investing in residential assisted living, from the very much hands on to the passive hands off. Oh, this has really been helpful. Why don't you go ahead and let our audience know how they can learn more about the Raoul room and your website.   Luke Frizzell  25:42   Thanks for that. So we saw that there was a huge knowledge gap between real estate investors and business owners. And just anybody who's an entrepreneur thinking about how to get into this. You see the Cody Sanchez's of the world talking about business ownership and all those things you hear about the problem with our senior housing. And if you put those two things together, there's a huge gap in the marketplace. We wanted to educate people on this, because when we got started, there was a lot of unknowns, and it's really hard to sift through all the confusion about, you know how to get licensed. How do I know how many people I can fit into my home and actually care for? How do I find operators? How can I learn from other people who are actually doing this across the country and figure out which market to get into? So we wanted to combine all of that and have a network of people who know how to find these homes, know how to get you started in doing these and of course, we've been learning along the way as well, and that that was part of our goal as well when we started the Ral room. But we have a community of over 115 people. At this point, you can go to the ralroom.com r a l room.com and find out more. It's a great opportunity to learn about what it is. We have freebies in there about how to get started, from one to 10 step guide, and we even have a free podcast called The Ral room podcast. So tune into that. If you haven't done it yet.   Keith Weinhold  27:04   This has been informative, terrific stuff from Luke Frizzell. The audience will benefit from your point of view. Thanks for your time and intention today.    Luke Frizzell  27:14   Yeah, absolutely, Keith. Appreciate you.   Keith Weinhold  27:17   This was our first of two GRE listener guest profiles. We've got the second one when we come back. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  27:26   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  27:58   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,    Richard Duncan  29:08   this is Richard Duncan, publisher on macro. Watch, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  29:26   this week's GRE listener guest profile is with an Air Force vet turned real estate investor, and today he even runs the ideal investor show. He's from Germany and lives in San Diego today, using strategies like turnkey real estate, 1031, exchanges and more. He now owns multiple properties in different countries and states. These include the states of Ohio, Idaho, Illinois and Florida, and the nations of Belize, Panama, Spain and more. He's been a GRE listener since episode. 100 which was in 2016 and this helped him connect with income property providers and get started and really growing his wealth through compound leverage, not just compound interest. He ultimately ended up with eight properties in what he calls well performing locations. Hey, it's great to have you here. Welcome to GRE Dr Axel meyerhoffer, hey, Keith, thank you for having me. Meyerhoffer is spelled m, e, i, e r, H, O, E, F, E R. I know that coming on to GRE is something that you've wanted to do for a while, but let's pull back first, what is your doctorate in? And then how do you use that degree or distinction today?   Dr Axel Meierhoefer  30:40   Well, my doctorate is in organizational change and leadership, and the dissertation that I wrote as the study at the end of the degree program was about business coaching and whether it's better for a company to have internal coaches versus external coaches. And when you're diving really deep, my like, I don't know if you're aware, but PhD stands, at least in my book for pilot high and deep, high and deep, right? And so, you know, I really dug into this, and what I learned about coaching is still helping me, even though idea wealth grow is a little bit more mentoring program than a coaching program, but still, the practice of engaging people and getting out of them what they really want to accomplish is valid every day   Keith Weinhold  31:28   when we wonder about what's piled high and deep, I'm sure that thing is knowledge couldn't possibly be anything else. Dr meyerhoffer, tell us what you learned from listening here that piqued your interest?   Dr Axel Meierhoefer  31:43   Well, the one thing is, I had found the book turnkey revolution, by Chris closure, who, for those who don't know he, is the one of the family members of the founders of Memphis invest that is now known as Rei Nation. I'm sure you're very familiar with it, Keith and I've heard of them. Yeah, I read the book, and it was very helpful, but it wasn't very clear, other than his family's company, how do you apply this as a regular investor, which I was at the time. And then I listened to your episodes over and over, talking about how you can use turnkey investing to invest out of state, being far away. And I remember, if I'm not mistaken, that you were in Alaska and investing somewhere in lower 48 and so that kind of got me triggered to look into that.    Keith Weinhold  32:30   You figure, if you're in San Diego, you can invest in Alabama, if a person from Honolulu or anchorage can do that same thing. All right, so you've built up, it sounds like, is it eight turnkey properties? It's   Dr Axel Meierhoefer  32:45   eight turnkey properties. And then I have a few other things, like, I also listen to episodes that you had about agricultural investing. So, yeah, like in Panama, the first investment was in a coffee farm. And then a little later, I also discovered some you would call them, like little cabin, kind of like vacation cabin investments and stuff. So yeah, I've actually learned a lot and benefited, and I always appreciated that, you know, you're not just saying, Hey, here's something you can do, but you oftentimes have a connection or relationship with an organization. And so several times my investments were at least informed, let's say, by GRE,   Keith Weinhold  33:26   yes. And oftentimes I'm investing right next to you, the investor myself, with some of the same GRE marketplace providers. You have eight properties. Are they all cash flowing? Are they all producing positive cash flow?   Dr Axel Meierhoefer  33:41   Yeah. I mean, that's actually one of the things that I wanted from the get go, and that's also part of our idea rights grow a mentoring program to look at properties now. Right now, with the higher interest rates, it's admittedly a little harder to find locations and properties that have a good balance between the quality of the property, the area that the property is in and then also being cash flowing. We have fundamentally for renovated properties. We're still looking for 1% rule. It's harder to find, but you know, as a starting point to say, Should I even consider as long as it's close to that most of the time, the numbers work out, even at seven or eight percentages, you still make at least a little bit of money   Keith Weinhold  34:20   overall. Yes, the real estate deals just aren't as good as they were, say, five years ago, because both rents and prices are up, but rents haven't risen as much as prices have. I still don't know where you're going to find a better risk adjusted return in any investment, though, than with income property bought with a loan.   Dr Axel Meierhoefer  34:42   Yeah, I'm with you on that. And I mean, I remember vividly, not in only in books and other research, that people have this apples to oranges comparison thing going on all the time, right? I always say, Okay, well, tell me if you can buy stocks where somebody gives you 80% of the money, and I already need to put 20 right? What tell me if you can buy stocks and somebody says, Oh, the stock is gonna depreciate in the next 27 and a half years. So, you know, you write some of it off your tax return, and those kind of things. Tell me where somebody gives you money but allows you to keep 100% of the increase in value all these things. I mean, you have beautiful graphics and stuff that you made over time, but when you really try to do apples to apples comparison, there's nothing there. And one thing maybe for the audience, that I think is an important thing to know is, and I know Keith, you have said this so many times, real estate, especially residential real estate and investing, is really the long term game. And that also means to realize, okay, even in times like right now, you might only start with, like, 50 or $100 positive cash flow. But when you look at the longer term, I always say, and I say this to our clients, the first five and maybe right now, it's more like seven years. It's kind of like the hard time of this investment where you just barely break even, where you might be a little disgruntled when you get a maintenance bill and you haven't really built a big reserve yet, because you're still with your first few properties, but when you look at the trajectory, and I can see it now, you know, I've six years in all properties are cash flow positive, the rate that we're getting, even if we only increase rents by 2030, $35 a month, year over year. Like you said, right? You want to train your tenants. When I look at the overall picture, it's basically getting better every year. If you have that in mind, to say, I make an investment. I call, by the way, the point what we want to get to. I call that the time freedom point where your portfolio generates enough cash flow so yet you have a choice to say, Do I go work or do I live off the income? And that is why you still have mortgages, right? So if the listeners ever think, Okay, well, what happens when one after the next, the mortgages get paid off, it's like paradise at that point, right? If you really think of it from a purely cash flow perspective,   Keith Weinhold  36:56   starting is the hardest, because it's clunky to buy your first property, and then it also takes a few years until you really feel the effect of all these wealth multipliers at the same time. You're sort of touching on the third in the inflation Triple Crown, cash flow enhancement, if you only increase the rent three or 4% per year. Yeah. So what it feels like you're only keeping up with inflation, but the fact that your principal and interest payment stays fixed means a three to 4% rent increase might be a 10% cash flow increase. As that compounds year after year, you really begin to feel those effects. But yes, it does take the addition of time, but not decades.   Dr Axel Meierhoefer  37:38   I'm with you. It's just for me, important that anybody who is considering should I get into this right, especially in an environment where people constantly pointing to the fact that the stock market keeps going up, gold is going up, silver is going up, Bitcoin is going up, right? And to me, these are the apples, and they are nice apples, don't get me wrong, right? They're beautiful apples, but we're dealing in oranges, right? And we have these five different things that you keep counting on, and have all kinds of beautiful descriptions about that we get as real estate investors. And it's a choice, right? People can make a choice, and I'm all for diversification, but if you make the choice, then you really have the beginning of building a legacy. And for many people, I find more and more that becomes important to say it's not just for me, like if you were to ask me, it's not just for me, it's also knowing that my daughter will have a much better portfolio than I ever had when I was young. Yeah, our now, like almost two year old grandson, he is going to be safe pretty much forever   Keith Weinhold  38:37   getting started and even after starting for some people, there are certain mindsets that they need to overcome. One of them is getting out of state property. So do you have any thoughts or approaches with adding out of state properties, which is still a foreign proposition to some people?   Dr Axel Meierhoefer  38:56   Well, one thing that I do and emphasize very strongly in our mentoring program is besides the investing and helping people to get the connections to like the turnkey providers and the lenders and the property managers, inspectors and stuff, the other part, and I'm sometimes almost feel, is more important than the investing itself. Obviously, it's kind of a requirement, but the other part is to really as the mentor, help people to develop the mindset of the king or queen of their own empire, or basically the owner of the investing business. And when you think about it that way, I often times portray it in the way look at all the components, all the services that you need for the out of state investor, right? You need the turnkey provider, property management, bank or lender. You need inspectors and stuff. I try to convey to people, we are building an LLC, and that LLC is hiring these people as if they were employees. And if you look at it that way, and you start adopting that mindset. And. You look at their performance like any employer would look at the performance of their employees. If the performance is great, they get praise and the raise. If the performance sucks, you let him go and get another one when you're not going to hang out with the same property management out of state, constantly complaining, not doing their job, not treating the tenants well, not treating your property well. Why would you keep somebody like that? So it's this aspect of building a mindset of, yes, you might have a job, a regular w2 job, but for the purposes of building your real estate portfolio, you are the business owner, and you're hiring all these services. And when that clicks and you start treating the people that you're working with in that way, with respect, but with every expectation that you pay them for their services so they're supposed to perform. That changes, in my opinion and my experience. That changes everything   Keith Weinhold  40:54   comes down to the fact that the team is more important than the property, and a lot of people perhaps overemphasize the geographic location of that property. Location surely matters, but it's just not nearly the most important thing I know. One approach that you take is you have this mantra that underdog properties often outperform hot properties. However, can you speak to that some more   Speaker 3  41:21   Well, I think it has to do with it, with this kind of analogy of Steady as she goes right underdog property, I'm more inclined to look in a nice neighborhood and establish nice neighborhood. I always say, Let's try, with the help of a turnkey provider, to find the ugly duckling in a nice neighborhood and get that renovated and that neighborhood, I'm not a big fan of this term blue color versus white color or anything like that, but if you bring the ugly duckling back to be the white swan of that neighborhood, you have, I believe, a very good probability that that will be a very long time longevity, well respected, well rented, well performing property, rather than, you know, running after the shiny object the most you know, like, I don't want to really open wounds, but I know that a lot of people ran to Austin, Texas, because everybody said, that's the market you gotta be in, Right prices, outrageous rents, looked good for a little while, then the property taxes got adjusted, the market collapsed, and now everybody is whining. I rather have my nice property in Dayton or in Cincinnati, and it's doing steady, as she goes, every month, every year, right? So that's what I meant by that   Keith Weinhold  42:30   a friend and prolific apartment investor, Ken McElroy, who's been a frequent guest on this show, Ken says, look for distressed properties, not distressed markets. There's a lot in that.   Dr Axel Meierhoefer  42:53   Yeah, I'm very much with Ken on that. And it's not just for apartment complexes. I think it fits just as well for single family or duplex triplex fourplex properties? Yeah, we   Keith Weinhold  43:03   want to avoid those distressed markets. It takes a long time for them to turn around, and every property in that market floats up or down with it. Well. Dr meyerhoffer, as we think about the future, you've been around this space for a while now, like you mentioned, you're even helping mentor some others. Where do you think the residential real estate market is headed the next few years? From your perspective,   Dr Axel Meierhoefer  43:27   I really have the feeling it's kind of a little bit like a coil spring that is basically being wound tighter and tighter and tighter. Because people may not agree with me. I think everybody is entitled to their own opinion, but I'm a little bit refusing to believe that the dream and the interest of owning your own property for yourself and your family supposedly has gone away. What I believe is that the circumstances both from a Can I qualify for a loan? Can I afford the price? Can my wages actually work for what I want to accomplish that balance is out of whack a lot right now, but I can totally see when we're looking in the future, that we will see interest rates coming down, properties still being in high demand. And for us as investors, I don't know if you had it on your show before, but I oftentimes being asked, you know, is it still the right time to invest. And my answer is always, like most people in residential real estate, the best time was 20 years ago. The second best time is today. Yeah. And if you adopt this idea of, like, this cold spring getting ready, I mean, just ask yourself people, the last time they really did anything meaningful was basically in 2022 let's just assume it takes another year until interest rates come down, and another six to nine months for the market to really start adjusting. So that takes us to the middle of 2027 that would mean for five years, hundreds of 1000s, if not billions, of people wanted to do something, wanted to move, wanted to get a house, wanted to get a bigger place. They've. Finally can that's kind of the window that I'm looking at with. Not to say there will never be another opportunity. But why would you wait until the market goes crazy when you have it really nice, really calm right now, almost no competition for an owner occupants. It's really an investor market right now. We can pick and we can be diligent, and we can negotiate with the builders and all this nice stuff, no time pressure. They even tell you, I know Keith. They tell you, too, when you have a client, make first sure that the client is qualified before we even talking about price. I remember times when I bought where I was told you have 72 hours to decide if you want it or not and get it under contract because of 100 people out the door who want it, it's the calm before the storm. If you ask me, I can tell exactly when that storm is really gonna hit, but nobody can convince me that if five years the market is basically frozen, that when you release it and open the door, that it's not going to be pretty crazy. Yeah, no, in my opinion,   Keith Weinhold  46:01   that's a good analogy. We're in this period where we have a compressed spring lower interest rates could open up that spring to bounce up, because we have, really, it's all this pent up demand, a pent up demand spring, and we know as mortgage rates fall, millions more people qualify increasing demand for a fixed supply of housing. Well, this has been helpful for the audience. In closing, Dr meyerhoffer, do you have any last thoughts, anything else that you want to share with the GRE audience at all?   Dr Axel Meierhoefer  46:35   Well, the one thing I would say is, you know, you want to work with somebody real estate investing, when you have somebody who has built the experience, like you have Keith with you, the programs and all the partners you're working with, similar to me, over the last 10 years, I think it's a great opportunity to do it now, where you can and have the time to learn and work together and take advantage of this relatively Calm market, because it's probably not going to stay that way. And on the other hand, I also feel that too many people are going like you said, in a slightly different context, after the current shiny object. And I would hate for people that made good money in the last year or two in the stock market to lose it all, because what goes up comes down, especially in these kind of assets, why not take some profits and put it where you really have the long term perspective, like you and I have always suggested for people,   Keith Weinhold  47:29   and is there a good resource where someone can connect with you? Because we've learned that you've taken such an interest in this and you've begun mentoring people. Is it ideal wealth grower?   Dr Axel Meierhoefer  47:38   Yeah. Idealwealthgrower.com we have a button for a complimentary conversation to just book a call. I would assume you agree. You know, when you work with people for longer term and for the personal things like money and investing, you kind of have to have a good relationship. You have to kind of in agreement where you want to go and whether you like each other and have a good energy with each other. So I always feel, let's talk, let's get to know each other. And if we decide we want to work together, then we do that. And if somebody says, You know what I really want to do, apartments. I know people. You know people, we can direct them to. Some people want to do storage units or whatever. So these conversations are really to say, let's get to know each other and see if the goals you have match with what I can help you with. And if that's a yes, then we are off to the races.   Keith Weinhold  48:24   Sort of reassuring in this algorithmic world that we live in, in this highly digital world that people you know really still matter, it's still about your connections with people. Dr Meyer Hopper, it's been great getting your perspective. Thanks so much for coming onto the show.    Dr Axel Meierhoefer  48:42   Thank you, Keith, for having me.   Keith Weinhold  48:49   Yeah, with the first GRE listener guest, Luke, it's just exemplary of how when you own the property now you make the rules, and in this case, you can increase your income multiples by converting your rental property into residential assisted living with the second listener guest, Dr meyerhoffer, I like his analogy of the coiled spring ready to open up as pent up housing demand should get released With lower interest rates. Both guests have a Military Connection, which is merely a coincidence. But today's listener guests were chosen because, unlike others that we've had here, they've each started their own real estate mentoring platforms influenced by listening to this show.    Keith Weinhold  49:35   Now in the preview to today's episode, I let you know that I have an opportunity to tell you about it's been pretty well documented that both Florida and Texas have temporarily overbuilt pockets, and this is where home builders, sometimes desperate, are willing to give you a deep deal. I've discussed Florida and their specific opportunities. What? About Texas? Listen to these deep deals, because Texas, it is one of the most in demand states for real estate investing, but cash flow is often hard to find due to property taxes and rising prices. That's why I'm excited to announce that here at GRE us with our coaches, we found a tiny stash of new construction, yet tenant occupied properties in San Antonio, the Houston suburbs and Dallas suburbs, and they are available exclusively to GRE listeners, four bed homes under 340k here's what's remarkable. There's up to $41,000 to you in incentives. That is 12% back at closing, interest only loan options as low as four and three quarter percent. Yes, they're already leased to long term tenants. This is a 19% cash on cash return potential put these properties into service and get bonus depreciation, like I discussed last week, up to $94,000 these incentives are just massive, and you can qualify with DSCR loans, no tax returns required, no w2 required. I mean, this whole thing is a bigger deal than a Bucky brisket sandwich, something else you'll find in Texas. These are all built either this year or last year. For example, like this beautiful three bed, two bath, single family rental in Conroe, Texas that I'm looking at right now. The sale price is just $279,900 and then you get all those incentives. The rent is almost $2,000 it's 1950 and it's over 1500 square feet on this really good looking property with garage. That's just an example of one of the income properties I'm talking about here. They are off market and they won't be available long. Don't miss out on this best performing Texas inventory we've seen many are already cash flowing, $500 plus a month. Chat with a GRE investment coach, and they'll show you the best picks before this inventory evaporates. Book time with them. It's free. You can do that at GRE investment coach.com. Until next week. I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 4  52:47   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  53:10   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text gre 266, 866,   Keith Weinhold  54:26   The preceding program was brought to you by your home for wealth. Building, get richeducation.com