Podcasts about Wolf

6 Hours and 16 MinutesPG-13This is the complete audio of Pete reading 'Crying Wolf: Hate Crime Hoaxes in America' by Laird Wilcox.Antelope Hill - Promo code "peteq" for 5% off - https://antelopehillpublishing.com/FoxnSons Coffee - Promo code "peter" for 18% off - https://www.foxnsons.com/Pete and Thomas777 'At the Movies'Support Pete on His WebsitePete's PatreonPete's SubstackPete's SubscribestarPete's GUMROADPete's VenmoPete's Buy Me a CoffeePete on FacebookPete on TwitterBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-quinones-show--6071361/support.

This week: 158 days into a ceasefire, Israel has killed at least 640 Palestinians in Gaza. Israel and US continue to strike in Iran, Israel closes all Gaza crossings. Lebanon’s central Beirut bombed by Israel. Israel has killed more than 72,123 Palestinians in Gaza since October 7th, 2023. In this episode: Mohamed Vall, Al Jazeera Journalist Zeina Khodr, (@ZeinakhodrAljaz) Al Jazeera Correspondent Hind Al Khoudary, (@Hind_Gaza) Al Jazeera Correspondent Zein Basravi, @virtualzein) Al Jazeera Senior Correspondent Episode credits: This episode was produced and mixed by Marthe van der Wolf. Our sound designer is Alex Roldan. Our lead of audience development and engagement is Andrew Greiner and Munera AlDosari is our engagement producer. Alexandra Locke is The Take’s executive producer. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Cash AppDownload Cash App Today: https://capl.onelink.me/vFut/crftch8p #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Cash App Green, overdraft coverage, borrow, cash back offers and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures.GLDNew customers get 50% Off with code DIYS at https://www.GLD.comBlue ChewGet 10% off your first month of BlueChew Gold with code DIYS. That's promo code DIYS. Visit https://www.BlueChew.com for more details and important safety informationDam Internet, You Scary! hosts Patrick Cloud and Tahir Moore break down the disturbing but interesting stories on the internet!This episode gets wild as Patrick Cloud and guest Jordan Conley dive into the strangest stories from the internet.Topics include:• Scientists teaching human brain cells to play Doom• The possibility of a robot apocalypse• A mysterious Frog Man cryptid sighting• The chilling Villisca Ax Murder ghost story• Pokémon debates and apocalypse survival plansIf you enjoy weird internet stories, conspiracies, and hilarious commentary, this episode is for you.Subscribe for new episodes of Dam Internet You Scary every week.00:00 Intro + Jordan Conley Joins01:11 Finding the Show on Social Media03:27 Icebreaker: Top 3 Pokémon08:33 Would You Fight a Wolf or Outrun Bees?12:41 Movie Deaths and Dark Disney Moments14:47 Sponsor: Cash App16:21 Pokémon Evolutions + Chat Jokes17:47 Could You Survive a Year Underground?20:13 Costco Apocalypse Survival Strategy24:36 Human Brain Cells Playing Doom28:49 Robot Apocalypse Theory32:50 Sponsor: GLD Jewelry36:00 The Computer Loading Icon Has a Weird Name39:30 The Skunk Creature Legend41:43 Frog Man Sightings Explained44:04 Sponsor: BlueChew45:29 AI Videos and Fake Paranormal Footage47:54 The Villisca Ax Murder Ghost54:02 Haunted House Tours01:03:00 Jordan Conley Plugs Comedy Show01:06:55 Episode OutroJoin our Patreon now!! https://www.patreon.com/DamInternetYouScary

In this episode of Podbean All Things Wolf and Wild Carnivore Connection, we sit down with Erik Nylund, former natural resource advisor to U.S. Senator Jon Tester during the time wolves in the Northern Rockies were removed from the Endangered Species Act. Erik takes us behind the curtain and explains what was happening inside Washington when that decision was made. He shares what factors were being considered, the political pressures surrounding the issue, and why the final decision to delist wolves unfolded the way it did. It's an honest look at a pivotal moment in modern wolf policy that still shapes wolf management in Montana, Idaho, and Wyoming today. Just as important, Erik offers practical insight for those of us working to protect wolves and other wildlife today. He talks about what actually moves the needle in politics, how advocates can be more effective when dealing with lawmakers and agencies, and why staying engaged and informed matters. If you care about wolves and want to understand how policy decisions really get made—and how we can influence them moving forward—this is a conversation you will want to hear.

Iran claims a strike on the USS Abraham Lincoln as the Mideast conflict continues, President Trump predicts that Cuba will "fall soon," the U.S. grants India a 30-day waiver to buy Russian oil, Sudan's army retakes a strategic city, Hungary is accused of taking Ukrainian bank staff hostage, reports claim that the U.S. military used Anthropic's Claude AI in strikes against Iran, a House panel advances a kids' online safety bill, Jimmy Lai won't appeal his 20-year sentence in Hong Kong, Polymarket removes its nuclear detonation betting market, and Germany's Lower House passes a wolf-hunting bill. Sources: Verity.News

Send a text      George Sweeting wrote, It is a fearful thing that people can be consumed by their own lust. Only God's grace keeps us from the wolf's fate. Only God's grace keeps us from doing to ourselves what that wolf does to himself. I think about the sharks, you know, they go crazy when they get in the water, right? And they attack them. Anybody like to watch Shark Week? I always like to watch that. But those sharks, man, when they smell that blood, they attack anything. And they literally roll their eyelids back and they're blind because they can't see. And they just attack anything and everything around them. Sometimes they hurt themselves or they destroy, they bite other animals or whatever's in their way. Bust up cages or get stuck in cages or who knows what they do. They're so big and powerful they're hard to be hurt. But they bite each other and attack anything that gets in their way. And that's what happens to people when they don't know Christ. When they live for themselves, they attack anything and everything around them. 

On this week's episode, I'm very pleased to be rejoined by Rod Blackhurst (we had him on a couple of years back to discuss his indie crime drama Blood for Dust) and joined for the first time by Ethan Suplee, veteran character actor we all know and love from films like Mallrats, Remember the Titans, and The Wolf of Wall Street and TV shows like My Name Is Earl. We're discussing their new film, Dolly, a true indie endeavor made in the spirit of American classics like The Texas Chain Saw Massacre and The Evil Dead or the New French Extremity's High Tension. Rod and his partners raised some money, brought some folks to the woods of Tennessee, and put together something he hopes will be memorable for the audiences who see it. It's hitting theaters this weekend, playing around 800 or so screens across the country, and if you're a horror head—or just someone looking for something different—I hope you'll check it out. (It is a horror movie, though, so I cannot provide any refunds if the onscreen terror sparks a walkout.)As I said, getting Ethan on the show is a real treat because I've been a fan for years and it's been interesting to watch him dip his toes into some darker waters in recent years in films like Dolly, Babylon, Blood for Dust, and God Is a Bullet. It was fun to pick his brain about consciously making that shift and why his film work often gives him a little more space to stretch than his TV work.

Ep. 758 - With the quarterback position in flux ahead of Kyler Murray's reported release, Paul Calvisi and Ron Wolfley break down the possible paths the Cardinals could take at the position. Calvisi and Wolf also share their top moments of Murray's tenure as Arizona's starting quarterback. Plus, The Athletic's Dane Brugler discusses the NFL Scouting Combine and shares what Cardinals fans should watch as the NFL Draft season heats up. Speaking of the Combine, Calvisi puts Wolf through a series of outrageous (and hilarious) questions to demonstrate just how weird and unpredictable those one-on-one interviews between teams and players can get. Finally, with free agency right around the corner, we look at how the Cardinals can start upgrading the roster next week and which positions should be at the top of their priority list.See omnystudio.com/listener for privacy information.

Jesse Morrison (Rick) takes Luke and John Lund through the latest in sports!

In this episode, we delve into the extraordinary experiences of Mark from southwest Oregon, whose life was permanently changed by a late-night encounter on a snowy mountain road near Grants Pass. What first appeared to be a small tree standing along a ridge revealed itself to be something towering, powerful, and far too close for comfort. That moment in the late 1980s set the course for decades of reflection, research, and unexpected encounters across some of the most active wilderness corridors in the Pacific Northwest.Living near the Applegate and Rogue River regions, Mark shares how reports quietly surfaced over the years from hunters, firefighters, law enforcement, and everyday outdoorsmen who trusted him enough to speak. He recounts a recent investigation near Butte Falls involving thermal imaging, night vision, and his 165-pound wolf hybrid, where the forest seemed to move with intention and the night carried sounds that still defy explanation.From repeated 3AM vocalizations near Wolf Creek and Glendale, to unsettling activity in the Diamond Lake region and Highway 138 corridor, Mark paints a vivid picture of southern Oregon as a place where something continues to operate just beyond the edges of certainty. He also reflects on the stranger elements reported by credible witnesses—anomalous lights, missing time, and phenomena that challenge simple classifications.Mark's grounded, thoughtful perspective brings weight to every detail. His story spans decades, terrain, and testimony, offering a rare look into ongoing activity in one of the most compelling regions for Sasquatch reports in the country.Join us as we explore Mark's experiences and the enduring mystery unfolding in the forests of southwest Oregon.

This is The Briefing, a daily analysis of news and events from a Christian worldview.On today's edition of The Briefing, Dr. Mohler discusses that the son of Ayatollah Khamanei might be Iran's next leader, the influence of emotions on policy support, the armchair allies of the U.S., the theological and political problems of James Talarico, Cornyn vs. Paxton in Texas, and New Zealand's former Prime Minister who is moving to Australia.Part I (00:13 – 07:30)Son of Ayatollah Khamanei Might Be Iran's Next Leader: Even If the Regime Stays the Same, a Set Back to Iran's Military Capabilities is a Win for the West and IsraelPart II (07:30 – 11:47)Our Thoughts Should Order Our Emotions: Politics and Policy Ought Not Be Dictated Strictly By Our EmotionsPart III (11:47 – 14:41)Armchair Allies: Allies of the U.S. are Scrutinizing U.S. Actions in Iran As They Watch and Do NothingFriedrich Merz to meet Trump after justifying strikes on Iran by Financial Times (Anne-Sylvaine Chassany)Part IV (14:41 – 18:41)A Wolf in Sheep's Clothing: The Theological and Political Danger of James TalaricoPart V (18:41 – 21:36)Cornyn vs. Paxton in a Run-Off: Big John Faces Off with Morally Suspect Candidate Ken Paxton – Democrats are Hopeful for a Talarico and Paxton Race in the MidtermsPart VI (21:36 – 25:10)New Zealand's Former Prime Minister is Leaving New Zealand: Jacinda Ardern is Moving to Australia, and It is a ControversySign up to receive The Briefing in your inbox every weekday morning.Follow Dr. Mohler:X | Instagram | Facebook | YouTubeFor more information on The Southern Baptist Theological Seminary, go to sbts.edu.For more information on Boyce College, just go to BoyceCollege.com.To write Dr. Mohler or submit a question for The Mailbox, go here.

In today's episode, I'm going LIVE with my clients, giving them the chance to ask me ANYTHING, whether it's struggles in their online business, mindset blocks, or life in general. No sugarcoating. No excuses. Just straight-up solutions to help.   MY CLOTHING, CHECK OUT: https://amarokaesthetics.com/ CHECK ME OUT ON OTHER SOCIALS: IG = https://www.instagram.com/coleluisdasilva/ TIKTOK = https://www.tiktok.com/@coleluisdasilva/   WAKE UP WITH THE WOLF PODCAST: APPLE = https://podcasts.apple.com/us/podcast/wake-up-with-the-wolf/id1533545890 SPOTIFY = https://open.spotify.com/show/6cOLgWolq6mkOnvNesuTDc?si=8b3c4f153a264e9a

Wolf and Luke discuss if playing four preseason games be an advantage for the Arizona Cardinals and Phoenix Suns broadcaster Kevin Ray joins the show.

Kevin Ray joins Wolf and Luke to discuss Mark Williams' recent struggles, if there is a different vibe around the Phoenix Suns without Dillon Brooks, and what to expect from the Suns against the Chicago Bulls.

Wolf and Luke discuss why Mark Williams have struggled so much recently and how they are feeling about the closer position for the Arizona Diamondbacks right now.  

Jesse Morrison (Rick) takes Wolf and Luke through the latest in sports!

Wolf and Luke discuss if they should read into the success that the Arizona Diamondbacks' starters are having this spring and if the Arizona Cardinals should trade down from their No.3 pick in the NFL Draft.

Wolf and Luke discuss where they would like to see Kyler Murray go and if the Phoenix Suns need to have a convincing win over the Chicago Bulls on Thursday night.

Send a textAre you wondering if Stars Between Us or Romance at Hope Ranch should be on your weekend watchlist? Eric and Andrea dive deep into these two Hallmark features to see if they deliver the "Happily Ever After" we crave—or if they're just plain "Meh."In this episode of Hallmark, Mysteries, and More, we get honest about the lack of chemistry in Stars Between Us, despite the stunning celestial backdrop. Then, we head over to New Mexico for Romance at Hope Ranch, where we discuss the odd timelines, the scene-stealing chicken, and whether the "Giddy Up Gala" lived up to its name.We also touch on our favorite PBS shows, the reality of daylight savings, and why the goat cheese balls at Vanderpump's restaurant are... controversial.Don't forget to like and subscribe for more unfiltered Hallmark reviews!Video Chapters:00:00 Intro: The Daylight Savings Struggle & Basketball Season02:03 The Vanderpump Experience: Goat Cheese Balls & "Wolf" Restaurant04:18 PBS Favorites: All Creatures Great and Small vs. Reality TV07:44 Stars Between Us (2026) Movie Review: Cosmic Connection?11:51 The "Not a Rom-Com" Critique: Lack of Chemistry & Fast Timelines14:38 Romance at Hope Ranch (2026) Movie Review: Farm Chores & Chickens17:35 The Hope Ranch Timeline Mystery: Was there a secret child?19:10 The "Underwhelming" Giddy Up Gala & Rating the Movies21:05 Final Rankings: Love-uary Movies Ranked Top to Bottom23:00 Next Week: Sugar and Vice: A Hannah Swensen MysteryFollow us on social media: Instagram and TikTok: @hallmarkmysteriesandmoreYoutubeOr visit our website. This podcast was created by fans for fans and is NOT affiliated with or sponsored by Hallmark or the Hallmark Channel.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Kevin: Persistence and flexibility.What if we could double the energy output of existing wind farms without using more land? Kevin Wolf, CEO and Co-founder of Wind Harvest, has been working to make this vision a reality. His team has developed vertical axis wind turbines that harvest turbulent winds near the ground, a resource previously considered unusable.The idea isn't new; vertical axis turbines have been attempted for decades but failed to overcome engineering challenges. “The turbulent wind has stopped all other technologies from being able to make use of it,” Kevin explained. “It took a long time, a lot of money, and a lot of prototyping of full-scale prototypes…to finally have this product ready for the market.”The key innovation is a patented hinge system that solves a critical weakness of vertical axis turbines—mechanical stress on the blades. “Vertical axis turbines have failed for decades,” Kevin said. “The problem is they rotate 15 million times a year…every rotation, there's a pull with a blade like an airplane wing and a push as it comes around the other side. That connection point breaks…[but] if you put a hinge, all that micro movement is taken up in the hinge.”The potential impact of Wind Harvest's turbines is enormous. By placing them on existing wind farms, they can double the energy output per acre in ideal locations without requiring new infrastructure or land. “We can double the wind farm energy output with our turbines,” Kevin emphasized. He noted that this approach also avoids the costs and environmental impacts of developing new wind farms. “It's a much faster way of developing new wind farms…as opposed to taking raw land, new habitat, and converting that into a wind farm.”Wind Harvest is raising capital through a regulated crowdfunding campaign on StartEngine. This effort allows small investors to support clean energy innovation. Kevin explained the unique challenge of funding such groundbreaking work: “There is a lot of doubt at the level of the venture capitalists…they want us to finish the third-party certification.” In the meantime, crowdfunding has allowed Wind Harvest to bridge the gap and move closer to commercialization.You can find more about their campaign on StartEngine (Top 15 in amount raised on StartEngine.) and be part of an investment opportunity to drive clean energy forward.tl;dr:Kevin Wolf's vertical axis wind turbines harvest turbulent winds near the ground, doubling wind farm efficiency.Wind Harvest's patented hinge system solves a key flaw in traditional vertical axis turbines.Deploying these turbines on existing wind farms reduces costs, accelerates permitting, and avoids new land use.Kevin attributes his success to persistence, flexibility, and consensus-building skills honed over decades.Wind Harvest is raising capital via crowdfunding to finalize certification and commercialize their turbines.How to Develop Persistence and Flexibility As a SuperpowerKevin attributes his success to persistence and flexibility. “I do not like to not have something succeed,” he shared, adding, “I've learned over time that big things take a long time to do.” His training as a river guide and evolutionary ecologist shaped his ability to adapt. “You learn to take new data, change your mind, adjust your hypothesis,” he explained. By pairing this adaptability with relentless persistence, Kevin has overcome significant obstacles in his career.Kevin shared a story from his days at Wolfen Associates, where he helped the city of Sausalito reach consensus on a fire department expansion. After the city's initial proposal failed, Kevin facilitated community meetings, allowing dissenting voices to be heard and their concerns addressed. By incorporating feedback and revising the proposal, the city council gained overwhelming public support in a re-vote. This experience highlights Kevin's ability to persist through challenges while remaining flexible to new perspectives.Tips for Developing the Superpower:Embrace persistence by committing to long-term goals, even when progress feels slow.Stay flexible by adapting to new data and revising plans when necessary.Practice active listening to fully understand others' perspectives.Help others clarify their thoughts by rephrasing and restating their concerns.By following Kevin's example and advice, you can make persistence and flexibility a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Invest in Wicked-Fast Coffee!Guest ProfileKevin Wolf (he/him):CEO and Co-founder, Wind Harvest InternationalAbout Wind Harvest International: Wind Harvest is a U.S.-based renewable energy technology company developing and selling industrial-scale vertical-axis wind turbine (VAWT) systems designed for deployment in turbulent wind resources close to the ground. ts patented Wind Harvester technology is engineered to operate efficiently in a wide range of wind conditions, with a compact footprint, low profile, and highly durable design. Website: windharvest.comCompany Facebook Page: facebook.com/windharvest Other URL: startengine.com/offering/wind-harvestBiographical Information: Kevin Wolf is the co-founder and CEO of Wind Harvest International, where he's spent nearly two decades advancing utility-scale vertical-axis wind turbines for turbulent, mid-level winds. He facilitated the engineering team through Technology Readiness Level milestones, oversaw R&D on the coupled-vortex effect, hired key engineers and team members and helped take the company from early grants and Series A through testing of multiple prototypes. Starting in 2019 when he became CEO again, he has steered capital strategy—closing investor rounds, running multiple crowdfunding raises, converting company debt to equity in 2022, and completing audits.Beyond Wind Harvest, Wolf brings a long record of environmental leadership and civic work. A UC Davis graduate in Evolution & Ecology, he launched his career with Friends of the River and later founded Wolf & Associates, facilitating multi-stakeholder, consensus-based watershed and environmental solutions across California. He chairs the California Clean Money Action Fund to reduce the power of money in affecting elections and legislation, co-founded the pioneering N Street Cohousing community in Davis, and has served on numerous local boards and commissions.LinkedIn Profile: linkedin.com/in/kevin-wolfPersonal Facebook Profile: facebook.com/kevin.wolf.9256Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include rHealth, and p!ng. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch – Private Investor Session: Immediately following the March 17, 2026, live broadcast at 8 PM ET / 5 PM PT, investors are invited to join an exclusive private Zoom session to engage directly with the presenting founders—BRG Therapeutics (Dale Walker), GigaWatt (Deep Patel), My Diabetes Health (Dr. Prem Sahasranam), and rHEALTH (Eugene Chan). In this dedicated off-air environment, participants can ask deeper questions about strategy, traction, deal terms, and impact while exploring their active Regulation Crowdfunding campaigns in real time. Watch the live pitches on Roku, Amazon Fire TV, LG Smart TVs via e360tv, LinkedIn, YouTube, or Facebook—then continue the conversation in the private investor session where capital and clarity come together. Register free to get access to both events.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on March 17th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowdHour March: This month, Devin Thorpe will explore how investors can align profit with purpose in a powerful session titled “Why You Should Make Money with Impact Crowdfunding.” As CEO and Founder of The Super Crowd, Inc., Devin will share practical insights on generating financial returns while driving measurable social and environmental impact through regulated investment crowdfunding. Register free to get all the details. March 18th at Noon ET/9:00 PT.SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. We're bringing together leading voices in impact investing, compliance, digital marketing, and circular economy innovation to deliver practical frameworks, real-world case studies, and actionable strategies. The event culminates in the PurposeBuilt100™ Showcase, recognizing 100 of the fastest-growing purpose-driven companies in the U.S. Register now to secure your seat and get all the details. August 25–27, streaming worldwide.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Kaum ein Tier ist in Deutschland so umstritten wie der Wolf. Und das seit Jahren. Nun soll der Abschuss des “Problem-Wolfs” erleichtert werden. Und zwar mit Hilfe des Bundesjagdgesetzes. 11KM blickt mit Doris Fenske, Landwirtschafts- und Umweltjournalistin beim Bayerischen Rundfunk, auf die nüchternen Fakten hinter einer emotional aufgeladenen Debatte: Wie gefährlich ist der Wolf tatsächlich? Und können Paragrafen daran überhaupt etwas ändern? Hier geht's zum Film “Wölfe im Nationalpark: Gut für die Natur?” von unserem Gast Doris Fenske: https://www.ardmediathek.de/video/unkraut/woelfe-im-nationalpark-gut-fuer-die-natur/br/Y3JpZDovL2JyLmRlL2Jyb2FkY2FzdC9GMjAyNVdPMDA5MDQzQTA Hier geht's zu Quarks Daily, unserem Podcast-Tipp: https://1.ard.de/Quarks_Verletzte_Wildtiere Diese und viele weitere Folgen von 11KM findet ihr überall da, wo es Podcasts gibt, auch hier in der ARD Audiothek: https://www.ardaudiothek.de/sendung/11km-der-tagesschau-podcast/12200383/ An dieser Folge waren beteiligt: Folgenautor: Julius Bretzel Mitarbeit: Lisa Hentschel Host: Elena Kuch Produktion: Regina Staerke, Christine Frey, Christiane Gerheuser-Kamp und Lisa Krumme. Planung: Caspar von Au und Hardy Funk Distribution: Kerstin Ammermann Redaktionsleitung: Yasemin Yüksel und Fumiko Lipp 11KM: der tagesschau-Podcast wird produziert von BR24 und NDR Info. Die redaktionelle Verantwortung für diese Episode liegt beim NDR.

Bryan went to CNN headquarters in Washington, D.C., to talk to CNN's Wolf Blitzer! Bryan has Wolf take us through his media life through the lens of five big stories. Before that, they talk about Wolf's upbringing and playing football in the Buffalo, New York, area and what made him decide to become a journalist. Then, the first big story they discuss is covering the Pentagon for CNN during the first Gulf War (16:17). The second is the Bill Clinton-Monica Lewinsky controversy (29:48). Third is what he remembers about covering 9/11 (37:32). And the last two are the election of Barack Obama in 2008 (45:41), and the election of Donald Trump in 2016 (52:23). Host: Bryan CurtisGuest: Wolf BlitzerProducers: Bruce Baldwin and Isaiah BlakelyAdditional Production: Ted Tuel and Dylan Nathan Learn more about your ad choices. Visit podcastchoices.com/adchoices

Things are looking very wild out here in the real world so you deserve a deep dive on a book by an author with a big backlist and we are here to give you just that! Today's episode is on Sincerely, Your Inconvenient Wife, a modern day marriage of convenience story from Julia Wolf's The Harder They Fall series. We talk about fake husbands down bad, family drama, and the charm of an author building a big universe for all their characters to live in forever.If you want more Fated Mates in your life, or you want to talk more about Julia's books, please join our Patreon, which comes with an extremely busy and fun Discord community! Join other magnificent firebirds to hang out, talk romance, and be cool together in a private group full of excellent people. Learn more at patreon.com.Read Sincerely, Your Inconvenient Wife in ebook or paperback, or with your monthly subscription to Kindle Unlimited.NotesHow the great blizzard of 2026 stacked up with previous blizzards. Seems like Providence was a bad place to be. The winner of this year's Chicago's snowplow naming contest: Abolish ICE.Everyone loves Bad Bunny.Ryan Coogler gave a beautiful speech about love at the BAFTA awards. Watch Jayme Lawson from the NAACP Awards give a brilliant explanation of why BAFTA and BBC are to blame for the events at this year's BAFTA awards.We have both been reading a lot of Julia Wolf books ever since our New Year's Milkin' Eve episode.Wyoming is a very big state with a very small population, so small in fact that there are 117 counties that have a bigger population than the entire state. You can play around with comparing populations using this map tool from Slate.The other books we mentioned this episode by Julia Wolf: a rock star romance, Built to Fall. Saoirse's brother's book is Sweet Like Poison. Luca's sister's book is In the Details.SponsorsMelanie Greene, author of New Flames, available in print or ebook. Get it at Amazon, Barnes & Noble, Kobo, Apple Books or wherever you get your books.The Romantasy Letters, a new kind of romantic fantasy storytelling, delivered right to your door twice monthly. Use the code FATED to get 20% off your year's subscription. Learn more at RomantasyLetters.com.The What in the Smut? Podcast, available wherever you get your podcasts.Vedentro, premium leather accessories. Use code FATED at checkout to get an additional 10% off the best offer on the site.The RestFor even more info about this episode, and to explore everything Fated Mates has to offer, visit: https://fatedmates.net If you wish you had six more days in a week of people talking about romance, may we suggest joining our Patreon? Aside from an additional episode every month you get access to our Discord, where other romance readers are talking about books they love (and many other things!) all the time. It's so fun! Learn more about the Patreon and go join those cool people who love romance as much as you do at patreon.com/fatedmates. Beyond your favorite podcast app, you can find us on Instagram, Threads, Blue Sky, Tumblr, and probably some other places, too, if you look hard enough. If you've never listened to our Stop Book Banning episode, there's no better time than now.

In this episode of The Brainstorm, Brett, Nick, and Sam dissect how industry giants like Block are slashing 40% of their workforce overnight while accelerating AI adoption, challenging everything you thought you knew about employment, productivity, and economic growth. You'll discover the real reason behind Jack Dorsey's massive layoffs, surprising data on revenue-per-employee ratios, and the shift from tools to agentic systems.If you know ARK, then you probably know about our long-term research projections, like estimating where we will be 5-10 years from now! But just because we are long-term investors, doesn't mean we don't have strong views and opinions on breaking news. In fact, we discuss and debate this every day. So now we're sharing some of these internal discussions with you in our new video series, “The Brainstorm”, a co-production from ARK and Wolf.financial, and sponsored by Public. Tune in every week as we react to the latest in innovation. Here and there we'll be joined by special guests, but ultimately this is our chance to join the conversation and share ARK's quick takes on what's going on in tech today.Key Points From This Episode:Anthropic's recent conflict with the Department of War over the use of their Claude model highlights the complexities of AI governance and the impact of political stances on market positioning.The rapid downsizing of high-performing companies suggests that AI-driven efficiency gains are fundamentally disruptive, challenging traditional notions of organizational scale.Prediction markets face challenges with transparency and insider trading, but they hold long-term potential for providing real-time intelligence and liquidity in equity markets.To learn more about WOLF: https://wolf.financialTo learn more about Public: https://public.com/

Wolf and Luke react to Kyler Murray being released from the Arizona Cardinals and the Phoenix Suns defeating the Sacramento Kings.

Tage Thompson joins Wolf and Luke to discuss the whirlwind it has been since he won the gold medal with Team USA men's hockey, how the season has gone with him and the Buffalo Sabres, and growing up in Arizona.

Wolf and Luke talk to Team USA & and Buffalo Sabres center Tage Thompson and Arizona Sports Arizona Cardinals reporter Tyler Drake joins the show.

Jesse Morrison (Rick) takes Wolf and Luke through the latest in sports!

Wolf and Luke discuss if it was worth it to release Kyler Murray since the Arizona Cardinals can't trade him and if the Cardinals should draft Ty Simpson later in the first round.

A.Q. Shipley joins Wolf and Luke to discuss his reaction to the Arizona Cardinals releasing Kyler Murray, the sense of urgency the Cardinals need to have to find their next quarterback of the future, and what it would mean if the Cardinals brought in Jimmy Garoppolo.

Wolf and Luke discuss how fast the Arizona Cardinals need to find a replacement for Kyler Murray and Arizona Cardinals color analyst A.Q. Shipley joins the show.

Tyler Drake joins Wolf and Luke to discuss his reaction to Kyler Murray being released from the Arizona Cardinals, how he will remember Kyler Murray as an Arizona Cardinal, and what the options are for the Cardinals to replace Kyler Murray.

Bridget, Caitlin, and HIlda are covering part 1 of "Hollow," book 1 in Caroline Peckham and Suzanne Valenti's Crown of Hearts & Chaos series. So far, it's everything you expect from the Twister Sisters: A feisty heroine; a hot, brooding morally gray MMC; a slow burn building plenty of tension; and lots of inner monologue. So far, our hosts are hooked so you should join them in reading and listening.  Join our Patreon for exclusive behind-the-scenes content and let's be friends!Instagram > @Booktokmademe_podTikTok > @BooktokMadeMe

Join Shawn and Joni Wolfswinkel on this captivating episode of Inside the Wolf's Den Podcast as they talk with Justin Mink, a powerhouse entrepreneur and former corporate trailblazer who has shaped digital marketing, music marketing tech, and data-driven go-to-market strategies. From selling Blow Pops in junior high to steering high-growth teams at ReachLocal, Music Audience Exchange, New Frontier Data, and Scorpion Internet Marketing, Justin shares a rare blend of bootstrapped grit and enterprise precision. Today, as a Certified Outgrow Advisor, he helps clients build repeatable systems that generate predictable revenue. A Washington, D.C. native now thriving in Dallas, Justin's journey offers practical playbooks for sales, leadership, and scalable growth. In this episode, you'll hear the roots of Justin's customer-first mindset: how a junior high bootstrapped business taught him about cash flow, persistence, and the art of understanding the buyer. How early self-reliance shaped later decisions at both startups and established firms, and the mentors and moments that forged his leadership style. The strategic breakthrough at ReachLocal and the problem his multi-unit brands faced, the team structure that enabled scale, and the critical initiatives that helped the company go public. The delicate balance of experimentation and discipline in a fast-paced digital marketing world, plus the metrics that Justin insisted on obsessing over. Whether you're an aspiring entrepreneur, a seasoned executive, or a marketer chasing the next growth milestone, this conversation offers actionable lessons on building momentum, aligning teams, and cultivating the mindsets that drive systematic, repeatable revenue. Tune in for stories, strategies, and the candid insights only Justin Mink can offer. Justin's LinkedIn: https://www.linkedin.com/in/justinmink Justin's Outgrow Link: https://runoutgrow.com/advisor/justin-mink/ Juston's EOS Link: https://implementer.eosworldwide.com/justin-mink/ YouTube Link: https://youtu.be/Xe49QUo403Y

(00:00:00) Opening (00:00:43) Midweek BONUS Stupidity (01:10:58) Insane Week In Review (01:23:11) Genius Awards (01:34:54) Closing Floridians are up in arms over a guy in a bucket truck plucking their nuts. Coconuts, to be precise. The Department of Defense is having to deal with a "trans-wolf" substitute Kindergarten teacher on a military base who has kids scared that they're going to be eaten. Japanese have been eating plastic wrap that they fill with food, then spitting out...all in the name of weight control. Chew on these morsels of stupidity...In this Midweek BONUS Episode...Delta Plane Forced to Turn Around When Man Starts Attacking Other PassengersMan Drove to a Police Station to Pay an Open Container Fine—Got a DUICommunity Claims A Thief Is 'Stealing' Their Coconuts from Their TreesJr. Hockey Team Issues Apology for Asking Ticket Holders to Shower Before GamesIKEA Donated Unlimited Supply of Stuffed Orangutans for "Punch" the Monkey That Went ViralJesus Christ's 2026 Return Rated More Likely Than Kamala Harris Winning the Next ElectionVogue Calls 2026 "The Year of the Crack”—the Butt CrackL.A. Made a PSA Telling People There's "No Pooping" on BusesNY Grandpa Peeved After “PB4WEGO” License Plate Revoked by DMVA Wisconsin Elementary School Teacher Did Lines of Coke at SchoolNYPD Cops Get Attacked During Epic Snowball FightThe NC Elementary School Teacher Who Identified As "Trans Wolf" Is FiredPotbellied Pig Shows up in Alabama Family's Yard—Refuses to Leave“A Clucking Good Therapist”—Canadian Psychology Prof Travels With Emotional Support ChickenThe Stupidest Diet Ever: Plastic Wrap EatingNaked CA Driver Runs From Serious Crash Scene In East HollywoodFL Man Attacks Chinese Restaurant To Stop It From Releasing New COVID StrainFL Man Games Crown New Champion At Event Dubbed The ‘Redneck Olympics'A New Spotify Urn Plays Your Favorite Music After You're DeadCar Accumulates $8,660 In Parking Tickets–But Nobody Will Tow ItThe latest current events has all the up-to-the-minute stupidity in the Insane Week In Review and our 7 biggest "winners" are spotlighted in this week's Genius Awards!Become a supporter of this podcast: https://www.spreaker.com/podcast/insane-erik-lane-s-stupid-world--6486112/support.Real-time updates and story links are found on the TELEGRAM Channel at: https://t.me/InsaneErikLane  (Theme song courtesy of Randy Stonehill, ”It's A Great Big Stupid World”. Copyright ©1992 Stonehillian Music/Word Music/Twitchin' Vibes Music/ASCAP) Order your copy on the Wonderama CD from Amazon!This episode includes AI-generated content.

Check us out on Spotify on our first attempt at a video podcast! The Wolf and the Truth dive into a FANTASTIC best ball draft. The Wolf has promised the Truth a 50-50 split if it hits (which it will). The guys identify a great 4th round and 8th round pick (both of which they hit in the draft), and then delve into the finale of the Traitors and tease Best Picture nominees and a few other topics.Tune in for our upcoming 7:00 Monday Baked Best Ball Drafts! And check out the Wolf's newest rankings and other great Roto Street Journal content at rotostreetjournal.com

Wolf and Luke ask if the Arizona Cardinals should make a flashy pick at No. 3 overall and discuss what they will be watching in the Phoenix Suns at Sacramento Kings game. 

Kevin Ray joins Wolf and Luke for Suns Gameday with K-Ray as he discusses how crucial it is for Devin Booker and Jalen Green to play together, his biggest takeaway from the Phoenix Suns' win over the Los Angeles Lakers and the tough spot the Sacramento Kings are in. 

Jesse Morrison (Rick) takes Wolf and Luke through the latest in sports!

Wolf and Luke discuss if the Phoenix Suns make a run with Devin Booker coming back and ESPN NFL Draft analyst Matt Miller joins the show.  

Wolf and Luke discuss how concerned they are about Corbin Carroll as opening day approaches and Phoenix Suns broadcaster Kevin Ray joins the show.

Wolf and Luke talk to Arizona Diamondbacks starting pitcher Brandon Pfaadt and D-backs relief pitcher Kevin Ginkel. 

In this podcast episode titled "The Magician's Paradox," Carl Abrahamsson delves into the complex interplay between detachment and engagement in the pursuit of personal and spiritual growth. He poses a fundamental question: how does one navigate the tension between inward focus on self-development and outward engagement with the world's suffering? Abrahamsson begins by acknowledging that those who glimpse the hidden structures of reality often find themselves at a crossroads, faced with the choice between two seductive paths. One path leads inward, emphasizing personal growth and the preservation of one's inner energies, while the other compels individuals to engage with the external world and address human suffering. The challenge lies in finding a balance between these two extremes. He critiques the concept of detachment, arguing that it should not be equated with apathy or indifference. Instead, true detachment is portrayed as a disciplined emotional withdrawal that protects one's inner world from external turmoil. This perspective resonates with the archetype of the sage, who retreats from worldly affairs to cultivate personal purity and wisdom. However, Abrahamsson cautions against romanticizing this detachment, suggesting it may mask a cowardice that allows one to evade the moral responsibilities of engagement. Simultaneously, he examines the opposite extreme—an unbridled passion for activism that assumes individual actions can effect significant change. He illustrates this point with historical examples, including a ruler who sought to impose perfect justice but ultimately created new injustices. This reflects the butterfly effect, where well-intentioned actions can lead to unforeseen and sometimes detrimental consequences. Abrahamsson proposes a third way, which he calls "compassionate restraint" or "loving non-interference." Unlike the sage's detachment or the reformer's fervor, this approach recognizes the importance of working within the deeper structures of reality. The metaphor of the magician is introduced, who seeks to facilitate change not through direct action but by aligning with transformative energies. The magician does not impose solutions but serves as a conduit for genuine change, emphasizing the power of presence and resonance over direct intervention. The discussion shifts to the importance of personal example as a means of enacting change. A person who embodies integrity and compassion can inspire others without necessarily preaching or striving for conversion. This silent authority of presence can awaken authenticity in others, creating ripples of transformation. However, Abrahamsson warns of the potential for spiritual narcissism, where individuals conflate their inner peace with actual change in the world. He emphasizes the necessity of self-examination, urging individuals to reflect on their motivations for detachment or engagement. The podcast highlights the complexity of human action, suggesting that we cannot fully know the consequences of our choices, whether they involve action or inaction. Ultimately, Abrahamsson advocates for a stance of permanent uncertainty combined with commitment. By acknowledging the limitations of our understanding, we can engage with the world authentically, accepting that our choices matter, even if their impact is not readily apparent. The episode concludes by suggesting that living consciously, authentically, and with integrity is the best way to navigate the complexities of life, recognizing that the path is fraught with uncertainty and potential for self-deception. LINKS: https://linktr.ee/CarlAbrahamsson (incl Patreon, Substacks, Carl Abrahamsson books, and more) The Fenris Wolf Book Series: https://amzn.to/4clokZ7 #magic #sourcemagic #occult #occultism #occulture #thefenriswolf #carlabrahamsson

S7 E9: Reading and the Brain w/ Dr. Maryanne WolfIn this episode, Alexis and Gerald were honored to be joined by Dr. Maryanne Wolf, one of the leading experts on the science of reading. Dr. Wolf shares a tremendous amount of knowledge and wisdom from her extensive career and experiences, as she continues to advocate for the needs of all students as it pertains to their development of and appreciation for reading.This discussion raises so many questions about our relationship with reading. We address topics such as the evolutionary nature of reading, the impact of technology on our reading brains, the interconnectivity of brain areas related to reading, progressive and effective modes of reading instruction, Dyslexia, and how reading relates to humanity and our relationship with one another.SummaryEvolutionary nature of readingUnderstanding of how reading is learnedImpact of technology on our reading brainsThe interconnectivity of brain areas related to readingEffective modes of reading instructionConnections between reading, empathy, & humanityDr. Maryanna Wolf is a scholar, a teacher, and an advocate for children and literacy around the world. She is the Director of the newly created Center for Dyslexia, Diverse Learners, and Social Justice at the UCLA Graduate School of Education and Information Studies. Previously, she was the John DiBiaggio Professor of Citizenship and Public Service and Director of the Center for Reading and Language Research in the Eliot-Pearson Department of Child Study and Human Development at Tufts University. Dr. Wolf obtained her doctoral degree in Human Development and Psychology at Harvard University. She is the author of Proust and the Squid: The Story and Science of the Reading Brain (2007, HarperCollins), Dyslexia, Fluency, and the Brain (Edited; York, 2001), Tales of Literacy for the 21st Century (2016, Oxford University Press), and Reader, Come Home: The Reading Brain in a Digital World (August, 2018, HarperCollins). Welcome to the Reid Connect-ED podcast, we are honored to have you join us today.The Reid Connect-Ed Podcast is hosted by Siblings Alexis Reid, M.A. and Dr. Gerald Reid, produced by CyberSound Recording Studios, and original music is written and recorded by Gerald Reid (www.Jerapy.com).*Please note that different practitioners may have different opinions- this is our perspective and is intended to educate you on what may be possible.Show notes & Transcripts: https://reidconnect.com/reid-connect-ed-podcastFollow us on Instagram @ReidConnectEdPodcast and X @ReidConnectEdStreaming everywhere (Apple Podcasts, Spotify, YouTube, etc.)Be Curious. Be Open. Be Well.

Tony Hawk joins us to discuss the recent double Cab bounty contest, learned his first kickflip on a freestyle board, his last 720, raising over $1,000,000 in his 900 auction, shutting down his Hawk vs Wolf podcast, Bam Margera being added to Tony Hawk's Pro Skater game last minute, trying to get vert in the Olympics, his new restaurant Chick & Hawk restaurant, Sandro Diaz building drop-in and much more! Tony Hawks Instagram: https://www.instagram.com/tonyhawk Become a Channel Member & Receive Perks: https://www.youtube.com/TheNineClub/join Nine Club Merch: https://thenineclub.com Sponsored By: AG1: Get a FREE Welcome Kit worth $76 when you subscribe, including 5 AG1Travel Packs, a shaker, canister, scoop & bottle of AG Vitamin D3+K2. https://drinkag1.com/nineclubLMNT: Grab a free Sample Pack with 8 flavors when you buy any drink mix or Sparkling. https://drinklmnt.com/nineclubWoodward: Purchase camp with the code NINECLUB and receive a $150 discount off of summer camp. https://www.woodwardpa.comMonster Energy: Monster Energy's got the punch you need to stay focused and fired up. https://www.monsterenergy.comYeti: Built for the wild, Yeti keeps you ready for any adventure. https://www.yeti.comRichardson: Custom headwear for teams, brands, and businesses crafted with quality in every stitch. https://richardsonsports.comEtnies: Get 20% off your purchase using our code NINECLUB or use our custom link. https://etnies.com/NINECLUBéS Footwear: Get 20% off your purchase using our code NINECLUB or use our custom link. https://esskateboarding.com/NINECLUBEmerica: Get 20% off your purchase using our code NINECLUB or use our custom link. https://emerica.com/NINECLUB Find The Nine Club: Website: https://thenineclub.com Instagram: https://www.instagram.com/thenineclub X: https://www.twitter.com/thenineclub Facebook: https://www.facebook.com/thenineclub Discord: https://discord.gg/thenineclub Twitch: https://www.twitch.tv/nineclub Nine Club Clips: https://www.youtube.com/nineclubclips More Nine Club: https://www.youtube.com/morenineclub I'm Glad I'm Not Me: https://www.youtube.com/chrisroberts Chris Roberts: https://linktr.ee/Chrisroberts Timestamps (00:00:00) Tony Hawk (00:02:56) Double Cab bounty contest (00:13:22) Last tricks – his last 720 (00:20:46) Vert Alert (00:24:02) Bought the building/office to house his vert ramp (00:27:29) 900 auction (00:40:18) Podcast (00:48:47) Tony has seen a full minute of new Rodney footage (00:51:46) JD Sanchez (00:52:39) Arisa Trew (00:55:28) Tom Schaar (01:00:03) Nutcracker Ballet (01:06:19) Bam Margera added to Tony Hawks Pro Skater game last minute (01:12:57) THPS got young kids into skateboarding (01:15:11) Tony learned his first kickflip on a freestyle board (01:24:25) Vert in the Olympics (01:29:48) Sandro Diaz building drop-in (01:35:17) Tony's Chick n Hawk restaurant Learn more about your ad choices. Visit megaphone.fm/adchoices

18 years after her wrongful arrest for the murder of 21-year-old British student Meredith Kercher, Amanda Knox returns to Perugia, Italy, to confront the man who led an aggressive prosecution against her: Dr Giuliano Mignini.    In this episode, Laura Richards deconstructs the psychological and systemic failures—including confirmation bias and media distortion - that allowed a "fictionalized" narrative to supersede forensic reality – for nearly a decade.   Key Discussion Points & Behavioral Analysis: ·       The Prosecutorial Narrative: Amanda reflects on how the prosecution built a case around a "sex game gone wrong," a story that persisted despite the lack of forensic evidence connecting her to the crime and only one suspects, Rudy Guede's, DNA at the crime scene. ·       Systemic Failures: A deep dive into the legal hurdles and institutional injustices that denied Amanda a fair trial, including the early "fast-track" trial of Rudy Guede that effectively shielded him from public scrutiny while Amanda remained the media's focus. ·       The Psychology of Public Vilification: Laura explores the "Foxy Knoxy" tabloid phenomenon, analyzing how confirmation bias and sexualized media tropes were used to dehumanize Amanda and influence public perception. ·       Confronting the "Wolf": Amanda discusses her decision to meet face-to-face with lead prosecutor Dr Giuliano Mignini. She explores the complex journey from being a "hurt person" seeking understanding to finding the capacity for grace and regular correspondence with the man who imprisoned her. ·       Documenting Trauma: Christopher Robinson shares the emotional weight of filming Amanda's return to Italy, balancing his dual roles as a protective husband and a filmmaker capturing raw, often unflattering moments of vulnerability and healing.  ·       Watch Mouth of the Wolf on Disney Plus and Hulu. ·         #MeredithKercher #AmandaKnox #RudyGuede #Podcast #TrueCrime #CrimeAnalyst #CriminalBehaviouralAnalysis #Forensics #Police #Advocacy #ItalianPolice #Mignini #truecrimepodcast #podcast #expert #expertanalysis    Clip  https://youtu.be/2MkaH9qgZwk?si=aea9UgTcXdKk0HyI  More from Amanda and Christopher:  https://podcasts.apple.com/us/podcast...  https://www.imdb.com/title/tt39365783/        • The Twisted Tale of Amanda Knox | Official...       2026 Masterclasses and Crime Analyst Resources and Community       Laura offers 2026 Masterclasses : University Accredited DASH Risk Masterclass March 11 and 12 and DASH Train the Trainer.    Register for Masterclasses         www.dashriskchecklist.com   www.thelaurarichards.com         For more insight and knowledge, advocacy and professional development join The Crime Analyst Squad. It's a growing and dynamic community offering expert insight, in-depth conversations, exclusive episodes and videos, and live events:    www.Patreon.com/CrimeAnalyst     Subscribe to Crime Analyst YouTube: @crimeanalyst       Facebook: Crime Analyst Podcast       Instagram: @crimeanalyst, @laurarichards999       Threads: @crimeanalyst       X (Twitter): @thecrimeanalyst, @laurarichards999       TikTok: @crimeanalystpod       Website: www.crime-analyst.com         If you found this episode valuable, please consider leaving a five-star review wherever you listen.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   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 and 188 world nations. He has a list show guests and keep 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   Keith Weinhold  1:04   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 chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   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  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

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