Podcasts about Your Home

What if your reactivity isn't a character flaw… but a program you can actually rewrite? In this fascinating and deeply hopeful conversation, Wendy sits down with board-certified hypnotist Penny Chiasson to explore how hypnosis can help parents break painful generational cycles and finally respond the way they want to, not just react on autopilot. Penny shares her powerful personal story, from a high-achieving medical career to a life-altering mental health crisis that ultimately led her to discover the profound healing potential of hypnosis. Together, she and Wendy unpack why so many parents feel “out of control” in triggering moments, and how those reactions are often rooted in subconscious patterns formed long ago. This episode offers a grounded, approachable look at hypnosis (no, it's not scary or mind control), along with practical tools parents can start using right away to calm their nervous systems and create real, lasting change. If you've ever thought, “Why do I keep reacting this way when I know better?”… this conversation will feel like a lightbulb moment. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/327 ⁠⁠⁠⁠⁠⁠⁠⁠ for more info and links. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Keith shares his "dirty dozen" due diligence questions every investor should ask before buying property, from gauging build-to-rent saturation and local job growth to testing cash flow and exit strategies.  He explains why even new-builds still need inspections and how to think about rents that may stay flat while expenses rise.  Aundrea Newbern, an experienced investor, broker, and property manager active in Southeast Georgia and Michigan, offers a real-world look at today's long-term and short-term rental markets, including shifting tenant behavior and local restrictions.  She also details how she's using AI to streamline property management, improve screening, optimize pricing, and cut maintenance costs, giving listeners practical ideas to apply in their own portfolios. Episode Page: GetRichEducation.com/610 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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, talking about vital due diligence questions that you have to know the answers to before you buy your next property. Even advanced investors don't know to ask some of these. Then a terrific guest tells us how she is practically applying AI to increase rental occupancy, save on maintenance expenses and drive rental income today on Get Rich Education.   Speaker 1  0:28   Since 2014 the powerful Get Rich Education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord show host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top-selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps. Build wealth on the go with the Get Rich Education podcast. Sign up now for the Get Rich Education podcast, or visit getricheducation.com   Keith Weinhold  1:11   You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes.com / G R E.   Speaker 2  2:57   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  3:13   Welcome to GRE. I'm your host, Keith Weinhold. The world's biggest problems are also the world's biggest businesses. That's not a coincidence, and it squarely includes the problem of having enough quality housing. We talk about how to do that profitably and diligently, and on the topic of diligence, I've got a dirty dozen due diligence questions, call it I suppose these are smart questions to ask before you get under contract to buy your next property, and some of these could just as well apply to your existing rental property. Build to rent properties have become so popular, but ask the question, are these build to rent properties becoming overbuilt in this neighborhood? That's the first due diligence question, and a lot of investors overlook this, so you got to be mindful that build to rent often means lots of new construction in one smaller defined area. What you should do is ensure that new supply is being absorbed by renters. Some red flags to look out for are if multiple nearby communities are offering heavy concessions or free rent enticements, that is a sign that they're having difficulty luring in new renters to the area, and now taking a couple months to rent a brand new build isn't that unusual, but does the whole thing kind of feel like a mattress liquidation sale? Renters shouldn't have more signing bonuses than NFL free agents. The next due diligence question: Does this market still have population? And job growth, or am I late to the party? New workplace construction is a bullish market sign. Workplace construction, I'm talking about like a new office building, especially a new medical clinic, a new data center, a new factory. These signs are super bullish for an area, because not only does that attract the jobs and support the housing, as you can imagine, but see, that also means that whomever built the new workplace, oh, they probably did some research, and they're bullish about that area for a reason, they're going to look into that and do their due diligence that you can leverage before they spend perhaps 10s of millions of dollars or more in building a new workplace.    Keith Weinhold  5:45   The population should be stable or rising. Red flags are if growth already peaked and layoffs are increasing, don't arrive late to the party after the DJ has already packed up. The next question, when you're looking into a property, is is this unit likely to cash flow on day one? You know, you need to wonder, is the unit occupied or vacant. Some investors don't even think to ask that question until they get down the road a ways. When it's occupied, does the rent meet or exceed expenses with a buffer for maintenance and vacancy, now, if it's negatively cash flowing and you're solely enjoying the other four ways real estate pays, that might be okay, but you need to be comfortable with adopting a monthly bill that may or may not work. And do you know what I call a negatively cash flowing property? I call it a 401k property, because you have to keep feeding it every month like it's a 401k. A negatively cash flowing property effectively reduces your salary like a 401k does, and anyone that is serious about building real wealth when they're young enough to enjoy it would not invest in a 401k outside of the employer match portion.    Keith Weinhold  7:07   I'm your host Keith Weinhold. Here on Get Rich Education, episode 610 I've answered three out of twelve dirty dozen due diligence questions, and with abundantly minded grow your means answers that you're just not going to find on ChatGPT. Before I get to the fourth one, do you know what the word diligence means? Anyway, you probably have some idea. The definition of diligence is the quality of working carefully and persistently, demonstrating steady effort and thorough attention to a task. It implies a strong work ethic, meticulousness, and a commitment to completing duties well. All right, that is the definition. Diligence is the opposite of negligence. The next one, does my new build property need an inspection first? And this is a question, actually, that came in from Jake in Manhattan. Yes, it always does, whether it's resale or new build. It is always a good idea to get an inspection. One of the biggest misconceptions, really, is that new build means problem free.   Keith Weinhold  8:16   People just equate new build with problem free. No, that is not the case. New build can have problems. There could still be foundation cracks that are beyond normal settling, perhaps improperly installed roof flashing that could cause leaks, maybe windows or doors that are installed out of square, and a bunch more stuff that could be wrong, even in new build a presale inspection after you get the property under contract that only costs 350-650 dollars for single family rentals and 500-900 dollars for a duplex. This is cheap insurance. It's also good peace of mind, get it done. Sometimes investors want to skip the inspection when they need a quick close. Buyer, beware of the risk. The fifth due diligence question: What happens to my numbers if rents flatten for two years? And this is a more germane question than usual today, because rent growth is slow here in this cycle. Single-family rents are up just 1.3% year over year per totality, and expenses tend to rise with inflation. All right, so if your rents flatten for two years, project that ahead like your other expenses are rising, and see that the property would still remain financially stable. We cannot build a business plan on motivational quotes. Next, am I buying near major employers or near hopes and dreams with work from home trends, which can probably better be called. Called work from anywhere, trends buying near major employers is actually less important today, but it still matters. It is good to have diversified employers and stable payrolls somewhat nearby. Promises about future development might never happen. Sheesh, some areas have been up and coming since cassette tapes, the seventh due diligence question, what's the property tax trajectory here? That's the question. Taxes are often stable and increases predictable, but is there a local budget shortfall? And see, this is the type of due diligence that few people do keep in mind, and I'm bringing up new build a lot, because there are so many new build income properties today on new builds. Also, look out, year one taxes can look deceptively low until improved property is assessed in year two, and any reputable provider, and when you contact our GRE investment coaching here, we're going to point that out to you.    Keith Weinhold  11:05   This is how you can, though, sometimes get unusually low property taxes in year one if they have not assessed the improvement yet. Question eight, and this comes from Violet in Peoria, Arizona, is the builder offering real incentives, or are they just hiding the true price? Okay, well, incentives - they should genuinely improve your deal without inflating the pricing. Here, look out for sunglasses and a fake mustache for financing. It's mandatory that you have an appraisal. This protects you against overpaying in an appraisal, even though it's done for bank collateral purposes, checking the quality of their collateral, which is the property, you know, it is also a good independent third-party valuation check. This is a good tool to keep you from overpaying. Back around the 2008 days, the global financial crisis, you know, often then the lender and the appraiser could collude to give you favorable appraisals, somewhat inflated values, and as it turned out, I was an investor then and ended up being the beneficiary of some of those favorable appraisals, but since then the CFPB, the Consumer Financial Protection Bureau, stepped in. They were formed to step in, so that those parties are no longer in cahoots with each other, and yes, incentives are explicitly disclosed to the lender and appraiser. For example, if you have a seller that offers to pay half of your closing costs if you pay their full sale price. Okay, the appraisers do know that they have that information before they provide you with the appraised value. Ninth, what's the vacancy rate in this area right now? This is a good due diligence question to ask. A balanced market has about five to 6% vacancy, eight to 10% or more. That can often be the sign of a weak market, but this might be all right in build to rent communities, and that's due to longer initial lease up periods that you have there. Due diligence question 10. Would I still want this property if appreciation slowed dramatically? You want to ask yourself this question because you cannot predict appreciation. The answer to this question is most likely yes.   Keith Weinhold  13:35   You would still want the property even if appreciation slowed dramatically, because as a listener here, you understand that with a 20% down payment, just 2% price appreciation creates a 10% return on your equity, and you're also benefiting from the other four ways real estate pays, but if you're absolutely counting on appreciation to do all of the heavy lifting over the long term, that's less investing, and that is more hoping with spreadsheets. What's more predictable is something like inflation profiting on your loan, which is a force on its own. Next, ask this question: How old are the big ticket items like the roof, HVAC, plumbing, sewer, and electrical? I mean, if you get a number of expensive items that are near the end of their life, you could soon become emotionally attached to ibuprofen. At GRE Marketplace, we work with either extensively renovated properties or new build properties, so this is rarely a concern. These big capex items, capital expenditures, and that is really the way to go. Extensively renovated or new build property, because see that way the cost of having all this done for you both. Before you buy the property, that means that what you're essentially doing is financing the cost of all this into the loan, you're financing into the new roof, HVAC, plumbing, sewer, electrical, if any of that applies, and if you're buying a fixer upper, well, then a lot of times you need to pay cash for these items, and you lose repair time where the property could have been rented during that renovation time. Work with our investment coaching here, and you're going to be all set. Those big ticket items are rarely a concern. And then what happens is, if you have a break even or a positively cash flowing property. The tenant covers all of your operating expenses with the rent payment, and you never have to pay any money at all for these big ticket items. They pay for your mortgage and everything else, and you never lose the time because these things were done before you bought.    Keith Weinhold  16:01   And the last one question 12. What you want to ask is, what's the exit strategy if I ever want to sell? That's the last question. Begin with the end in mind. The fewer doors the property has, the easier it is to sell. Single family homes win big here. I mean, your eventual buyer down the road, they could be a gleeful owner occupant, even if the rental math were poor. That buyer wouldn't even know that the rental math is poor, because they're not renting it out, they're going to live there themselves. Sometimes your single family rental tenant even becomes your eventual buyer. This can work with duplexes too. Sometimes you can get an owner occupant, or your tenant stays there and continues to reside there as they're the owner, and they rent out the other side as well. But if you're trying to sell at 30 duplex, well, now you're exposed to cap rates and investor sentiment and market cycles, it's sort of like trying to offload a small corporation. That doesn't mean that apartments are bad, but they are substantially less liquid than single family rentals. That's your exit strategy that we're looking at. They are the dirty dozen due diligence questions every investor feels bumps, I have you will too, but these questions and answers are really going to go a long way toward helping you own right, and when you stick with it, real estate is a forgiving and lucrative asset class because you're paid in so many ways. Hey, coming up shortly, a guest that you haven't heard from in a while, and I know that some of you have missed hearing her voice. We'll talk a bit about the state of the real estate market here in a period where prices are remarkably stable, housing transactions are only about 80% what they usually are, and then we'll discuss how she's using AI in her real estate investing today. It's how she's increasing her occupancy and optimizing the amount of rent being collected. She splits her time in a couple ways between real estate markets in both Michigan and Georgia, and then in both the short term and long-term rental markets. That's next. I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine?   Keith Weinhold  18:31   You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property, they'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chayley Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate, it's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they've built real credibility. Go to Freedom Family investments.com to book a clarity call, or text Family 266-866 that's Family 266-866,    Speaker 3  20:02   Hi, this is Russell Gray, co-host of the Real Estate Guys Radio Show, and you're listening to Get Rich Education with Keith Weinhold. Don't quit your daydream. We've got a special treat for you today is for the first time in a few years we hear from someone that's served since 2020 in house here in both operations and as an investment coach. Today she serves GRE in a different capacity internally, but a lot of you still ask about her. That's why she's here. She's got both the formal education with her MBA, and is about as robust in being a real estate investor as you can be at the same time. Oh, it's a warm welcome back to the talented Andrea Newburn.   Aundrea Newbern  20:51   Hey, Keith, it's so great to be back. It's been a long time.   Keith Weinhold  20:54   Well, you've continued to grow not just in your business but in your family size since you were last here. Congrats there. I'd like your thoughts, just generally, about the American residential real estate investment market today, where we've got these sort of rising prices in low supply areas, we have slightly falling prices in oversupplied areas, we've got mortgage rates that have normalized, we've got tough affordability for renters that want to be first time home buyers, so just tell us about what you see, big picture. Andrea,   Aundrea Newbern  21:28   Yeah, absolutely, and so I invest and operate predominantly in the Southeast, so this will probably be a little bit more of a lens from the Southeast market, but as you know, I still actively invest in real estate myself. I help, you know people buy rental properties, also. But then the main thing that I'm doing now is I have a property management company down in Southeast Georgia, and so I'm seeing things more from the lens of what investors are doing, where they're investing, where rents are going, and if people are even buying properties. So it's been a little bit interesting. I mean, what I'm seeing is that, as you all know, it slowed down. We're not seeing as many investors buy properties, but people still are doing it, and they're still finding good cash flowing properties. Where the challenges come in is you're not making as much money on these properties as you did four or five years ago, so you know your margins are going to be a little bit less, your cash flow is going to be a little bit less. And then we're seeing, you know, rents kind of stabilize depending on the type of asset class that it is, so you know things are not doing wonderfully, but they're stable from what I'm seeing in the southeast market,   Keith Weinhold  22:31   and now you do a good bit of investing in sort of Brunswick and out toward the Georgia coast, including places like Jekyll Island, where G. Edward Griffin wrote his book about the formation of the Fed, and all that in general. How has that area been from a residential supply standpoint? For example, we know in neighboring Florida they've had a lot of oversupplied pockets. How are we looking there? I think you have a lot of occupancy right now from talking to you earlier.   Aundrea Newbern  22:59   We do, so I manage two different types of investments, right? I manage the long-term rental properties. There's less of those like on Jekyll Island, there's more of those in the mainland and Brunswick. And then we do the vacation rentals, which is very, very heavy on Jekyll Island and St. Simons Island. What we're seeing this year, if we talk about maybe those vacation rentals first, and then I'll talk about the long-term vacation rentals, we're still seeing a lot of demand, a lot of people are still coming. We're not really down from this time last year, but the one big thing we're seeing is people are booking their vacations last minute, they're not booking them months in advance at this point. So that's definitely had a little bit of an impact and had us on edge, because we're like, okay, where are these vacations? And then, sure enough, they're booking a couple weeks out now, so that's going really well. The investors that have purchased homes on Jekyll and St. Simons, especially Jekyll, are doing really good. They're still making a lot of money. They have high occupancy. Where are we seeing a little bit more of the challenge is with the long-term rentals. So rents are kind of staying flat from where they were last year in some of those B and C markets. We may even see a slight decrease, just a couple percentage points, and then it's taking longer to fill the property. So last year we could typically get a qualified runner in in three to four weeks. Now we're seeing anywhere from five to eight weeks. Right now,   Keith Weinhold  24:11   as far as on the short term side, have restrictions affected you at all, like banning Airbnbs, for example, and how have you seen that play out in other areas? Because you certainly network with other people that do short-term rentals. Can you tell us about that?   Aundrea Newbern  24:26   Yeah, absolutely. So I can talk about the Southeast market, for one, where in Jekyll, St. Simons, Brunswick, we're seeing no rental restrictions whatsoever. We do have to have a process to register the rental with a county, but it's so easy. It's literally a form. We do an inspection once a year, and that is it. I don't know that this is a fact, but a lot of the commissioners and politicians in the area also have rental properties. I think that probably has a little bit of an impact on that up here in Michigan, which, you know, I have another home, and I live in Michigan part of the time as well. There's a lot of restrictions, in fact, my. House right now is in Sterling Heights, Michigan, and they already have a rental ban where you can't do less than 30 days, so you're already having to go into that midterm market, and now they have some proposals up with the local municipality to even eliminate some of that, so we're seeing that in this area.   Keith Weinhold  25:17   Generally, do you tend to see it in nicer, ritzier areas where they want to make the short-term rental restrictions.   Aundrea Newbern  25:24   Yes, I do. Absolutely. Up here in Sterling Heights, where I live, the average home of my neighborhood is around five to six hundred thousand dollards and they absolutely do not want those here. But if you go a few neighborhoods over, where you're looking more of like the two hundreed to three hundred thousand dollars range, they don't seem to have as much of an issue with those. There   Keith Weinhold  25:40   We've been talking about short term rentals in both Southeast Georgia and then in Metro Detroit, where you currently spend quite a bit of your time. Talk to us about the long term rental market with affordability for buying being down, that really hurts the prospective first time home buyer, so they need to be more likely to rent, which would make some people wonder. Oh, well, then how could vacancy possibly go up in an area? Well, you know, migration - we've touched on it - is one reason why that might happen. Another reason why it might happen is you might see more doubling up.   Aundrea Newbern  26:15   Yeah, we do. We see a lot more families coming in. In fact, last week we just rented a property out to somebody where the parents were renting with their children, their grown adult children that also had kids, they're getting bigger houses, right? So they're actually feeling that need to fill up some of our larger homes, but it's multi-generational now. We are seeing a lot more roommates come in, too, instead of two roommates, you'll see three people come in and get a house together. The other thing we've noticed that's been really drastic, maybe the last three or four months, is the debt load that we're seeing. So, when we run people's background checks and look, they've got a lot of credit card debt now. We didn't see that as much years prior.   Keith Weinhold  26:50   All right, so you're seeing that at the street level, that's a statistic that we can read about, that American savings rates are down and the proportion of debt is often up. You're seeing it in real time, there. Do you see potentially, Andrea, this propensity for people to want to sort of bend things and have someone that's not on the lease live there with them in order to cut costs? So, you know, is there really anything in this environment that we really need to be careful about when we're screening tenants with them having such a debt load, and having to struggle with inflation and rising prices.   Aundrea Newbern  27:23   Yeah, absolutely. The debt load, number one, you know, we'll see them increasing, and that's something we want to keep an eye on. So, we're having to kind of retool our policies to look more critically at that debt load. They may not be delinquent on anything now, but if we've seen it gone up significantly in the last few months, I bet you it's coming. So, we're trying to retool our policies to be able to deal with that, you mentioned people having unauthorized tenants in the home that has persistently been an issue for us, maybe the past year. We find this often that that's happening, and usually it's because that person wouldn't qualify on the application, but they still bring in money and can help with the rent. The third thing, and this is with the advent of AI, right, how big AI has come is, we're seeing a lot of documents that are clearly fraudulent, but they look really, really good, because AI has created them. So that's another issue.   Keith Weinhold  28:09   Gosh, that's interesting. Well, I want to ask you more about AI, and you know, Aundrea, America is in such a weird time with AI today. You probably saw it at these college graduations across the nation, where a luminary is up front at the lectern making a commencement speech, and they get booed by students for talking about embracing AI, and that's probably because the student feels threatened about AI taking the job that they might not get, and you know what's funny, I suspect there's some of those same students, they loved it when AI helped them write an essay in order to get to graduation and wear that cap and gown, so..   Aundrea Newbern  28:51   Absolutely.   Keith Weinhold  28:52   Yeah, that's what I knew when I say that we're in a weird time with AI, but I know that you've really embraced AI as a property manager and investor almost from the get-go to make your property operations more efficient, so that you don't have to raise prices on owners, and you can keep those owner expenses down and increase resident retention at the same time. So, tell us more about how you're using it.   Aundrea Newbern  29:16   Yeah, so my team, I think, hates me for this right now, but in the last six months we have literally changed our operations front to back in a few different ways. Number one, we've changed the systems that we use, so you know, for vacation rentals as well as long-term rentals, you have your property management system that kind of streamlines everything, and that you do everything in. We've started going to platforms that are a little bit more AI friendly, so they have AI agents built in and they have AI functionality already in them, so that we're not having to purchase additional tools to come in and add them as a layer on top of our systems. So that's kind of the basic thing that we're doing, but the other fun things that I've been able to do, and I'm still, you know, working on this, and we're refining it daily, is using AI actually as kind of like a virtual assistant, essentially. So we do have virtual assistants with a company, and they're great, and we love them, and they do a wonderful job. However, they're human, so they're not perfect, but these AI agents, once you've trained them to do a lot of the back office tasks that your virtual assistants can do, after a certain number of iterations and training, they don't really make mistakes. So knowing that we have that, and we can continue building on that. We don't have to add FTE to our team, which increase our labor costs. That's allowing us to not raise our prices on our clients, and which I'm sure they're all happy about, because other property management companies are doing that right now,   Keith Weinhold  30:33   Right, so property management companies are going to have to do this to stay competitive and keep up, whether they want to or not, and when I think about using AI in real estate, you know, one of the first things I think of, just say that tenant journey from attracting the tenant to placing them. When I think of the cutting edge, I think of help with marketing and writing advertisements, which I think is kind of a simple thing to do, sort of an easy way to implement AI, and also when I think about that early part of the journey, really I think about using AI as a leasing assistant, and sort of how you see that more, the 24/7 front desk, if you will. I mean, if you have an AI leasing assistant that can answer questions for your prospective new tenant and follow up with leads that can be a big deal. I mean, a lead that sits unanswered for six hours, they just kind of turn into a cold French fry, and instead AI can answer those questions and schedule that tour. If a prospective tenant asks the same question four times, you know the AI doesn't get frustrated and leave out some sigh. So, can you tell us more about kind of that front end, the marketing, and then the leasing end? Are you using AI as a leasing assistant essentially?   Aundrea Newbern  31:47   We are. So, if we talk about maybe the marketing piece of things before we get into the leasing, we're not using as much AI with marketing at the moment. I have had it write some copy for me for some marketing, and I'm not usually crazy about it. I still think it looks like AI right now, so we're having to do a lot of changes with that, but what it has done a really good job at helping us out in the last few weeks is have it go analyze your website, have it analyze how you come up in search functions, right? So, if somebody's going to Google or if they're going to Gemini or they're going to Chat GPT, what's happening with your website and your company when people are looking for property managers, for example, it does a very thorough check on that. It's also really good at reviewing your website and telling you where you have gaps in terms of maybe you need to, you know, change something here or there, or you have certain links that are not helping in your search functionality. So, I think it's really good as far as analyzing stuff. That's kind of about all we've done as far as marketing, as far as a leasing assistant goes, this has essentially been like the biggest lift I think we've had from AI, period, in the last couple years. So, maybe a year ago, we implemented a software, and I'm going to leave the name out, because I'm sure you know I'd rather not do that, but it's a software, and there's a bunch of different options that you can use for this, but essentially it collects all of our leads for us, so we set it up, you know, we set criteria for the type of tenant and our policies for, you know, what type of tenant would qualify, and they call in or message or email this number or this email address, and the AI essentially goes through and asks them a series of questions, lets them know if they would potentially qualify or not. If they would not, then it will not allow them to schedule showings for any of our properties, if they would, with no exceptions. Then we can go ahead and get them scheduled, and the AI actually goes through and gets them scheduled as well. So it is a huge help for us.   Keith Weinhold  33:30   That is really nice. Okay, helping out with tenant screening, there can it arrange tours, put them on the calendar, then if they're qualified.   Aundrea Newbern  33:40   Yes, it actually gives them an option and shows them all of the dates we have available, so the person can go ahead and schedule their showing. It can provide updates if we need it, so if we change our policy, it can send that out to the tenants for us as well. So that process I would say is about 90% automated right now. It doesn't really take much human intervention, except for us to review things and make sure there's nothing kind of wonky with the schedule or anything like that.   Keith Weinhold  34:00   Okay, so if they're qualified and interested, the prospective tenant can fill out an application, and then is AI assisting on the screening, and are you still meeting with them in person before they get the keys and sign the contract?   Aundrea Newbern  34:14   Yes, and no. So we still do meet with them in person to be able to do like that walkthrough of the property and make sure we're documenting issues, and all of that, which, by the way, I think in the next year that'll probably be automated as well, but we're not quite there yet. They do not have to come in in person, in terms of signing the lease or anything like that. That's all done remotely. If they want to, they can, but we really don't have to meet with them until it's time for move in at this point.   Keith Weinhold  34:36   All right, we're seeing the evolution of AI since it was really Chat GPT that was pioneering and rolling out in November of 2022 so we're coming up on four years of really this activity being integrated into our lives, and I think we both know that it's only going to get better from here, so when we have a tenant that. It's actually placed, of course. I often like to say they call the discipline property management, but it could probably very well be called tenant management. And I think, about, you know, is everything okay after the tenants there? As far as AI having a maintenance triage function, if there's a maintenance request, of course, you're going to want to prioritize something differently if it's a big plumbing leak that's damaging the subfloor versus just having a slow drain, you know. You probably want to be sure either one of those things are taken care of, but one is going to get priority over the other. So, can you tell us more about after that tenants place the maintenance triage and using AI there?   Aundrea Newbern  35:38   Yeah, so we've pretty much automated the maintenance process in the last year, other than, you know, actually making sure the vendor went out and did what they were supposed to do. So, right now, with us, a tenant has to go in, unless they have a disability and can't do it, of course, but they have to go in and put in any work orders through our system, and essentially what happens is we've created kind of a workflow, so here's the issues of the types of things that would not be considered an emergency unless they answer, you know, certain questions a certain way. Here are the things that are emergencies and requires to go out pretty much no matter what, right? For the things that are non-emergency, or they're not clear in what the actual issue is, which is probably the number one problem we have, is they say, 'My lights aren't working, that's it, we don't know anything else about it, and then come to find out it was just a light bulb, or come to find out it was just their breakers tripping. The AI actually goes in and analyzes what they put in as the issue and selected, and then asks them a series of questions, and then, based on their responses, it actually tells them what to go do to troubleshoot it. We're seeing right now with data, it's eliminating maybe about 40% of the things that we would send somebody out for, yeah, it is huge, and the tenants are doing it, and they're not really pushing back or having issues with it most of the time, but then there are certain things that AI can't quite figure out, we're still training it on, so we do have to send somebody out or call, but it's having a huge reduction in us having to send folks out for this.   Keith Weinhold  36:56   Okay, yeah, we're not talking about completely eliminating humans, but that's huge, if they can have AI give them the answer to maybe some routine maintenance thing, probably that they could have gone and found out on their own, but yeah, that saves 40% of maintenance visits, that's a big deal. All right, so not too much backlash from tenants, not saying, like, oh, hey, I don't want to be talking with your robot, come on, not so much of that.   Aundrea Newbern  37:20   No, not yet. Now we are looking right now at implementing an actual AI agent that would answer the phone to handle these types of just maintenance issues, nothing else but maintenance for right now. And we've tested out a lot of different softwares that do this. Some are better than others, but none of them are perfect yet. And I could call and definitely tell I'm talking to AI, maybe some people couldn't. I feel we're probably going to have a little bit more blowback when that starts getting implemented and rolled out.   Keith Weinhold  37:44   Yeah, I imagine people are just going to get more and more used to this, you know. I wonder, how much AI is helping you with rent pricing, what amount to set the rent for. I mean, for example, isn't it interesting if AI knows that, hey, a bunch of units in the neighborhood all around you, they already have high occupancy. It's really tight in this sub market, where maybe it would advise you to bump up your rent. So, tell us about how AI is helping you with rent pricing.   Aundrea Newbern  38:12   Yeah, so you know, as a broker, I obviously have access to the MLS, which we use for a lot of data, but then sometimes there's rentals that are not on the MLS, so you know an owner went and listed it themselves, and I actually have an agent that their task is to go in every couple of days, and they'll analyze any of our existing listed properties that we have that are not occupied. We're still waiting on somebody to apply, and it'll go and tell me, "Hey, is anything else been listed? Has anything that was out there when we did our review two days ago? Has anything closed? Can we figure out, you know, what price it rented for? Sometimes it can, sometimes it can't, but it'll provide me a report every two days, automated, in my inbox for me to be able to look at on that. So it's really nice.   Keith Weinhold  38:51   Wow, this could be hugely useful. Yeah, or imagine on the flip side of that, if AI detects that there are a lot of vacancies in your area that, hey, you probably don't want to get so aggressive with rent increases. In that case, was there any last way that you're using AI in real estate? Maybe something I didn't think about asking you, Aundrea.   Aundrea Newbern  39:10   If we talk about long-term rentals, not as much. I think you kind of hit on the main things that we're using it for right now, but if we look at vacation rentals, it is doing a lot more there, I think, at the moment than it is long term. So, for example, pricing - we have dynamic pricing that we use for all of our vacation rentals, and the dynamic pricing isn't perfect, so somebody still has to physically go in and make sure no tweaks need to be made, that there's nothing weird going on in the software. I now have an AI agent that, that is their number one job. They go in once a day, they review all of our pricing. They let me know whether we need to adjust it up, down, change our minimum days, maximum days, and we make the adjustments. We're training it now to actually do those for us, but we haven't let it do it yet, so we're still waiting there. It's still waiting on its approval for me to do that, but things such as pricing, things such as going through and analyzing guest feedback, or guest. First tone, even in messages, it's providing me reports on that daily, so I can help identify problems that are maybe small problems before they become big.   Keith Weinhold  40:07   It makes sense that it would be more applicable in short-term rentals with all the turnover that you have there. Well, Andrea, let us know if there's a way for our followers to keep up with you and what you're doing, because people still ask about you here. You're so well liked. Let us know.   Aundrea Newbern  40:26   Yeah, so there's a couple of ways. If you're wanting to kind of see what we're doing with property management or our company, you can go to goldenaislesretreats.com There's also for a way for you to get in touch with me there. You can also check me out on LinkedIn or on Facebook, so I'm there as well, and I'd be happy to connect with anybody. I miss our listeners.   Keith Weinhold  40:43   Oh, Andrea, it's been valuable. It's been great having you back.   Aundrea Newbern  40:46   Thank you, Keith.   Keith Weinhold  40:53   Yeah, great to hear from Aundrea again on the show. It has been a few years. If you use professional management like I do, they will most likely be applying AI in a lot of the ways that we discussed. Coming up on the show soon, a life coach that's had a profound effect on a number of guests that we've hosted here on the show over the years. He has agreed to join us. He doesn't do a lot of appearances like this, so it'll be great. We'll hear directly from Daniel Thomas Hind, and how he transforms the lives of so many business people and investors professionally, physically, and mentally. I'm confident that it's going to help you get more out of life too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 1  41:45   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  42:13   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.

ontext: Exposing the "Buttercup" Church, False Teachers, and the Truth About Biblical LoveEver notice how modern Christianity has fabricated a version of "love" where no one ever gets corrected, disciplined, or told they're out of line?In this video, Coach Shelby sits down—just four weeks out from his shoulder surgery and wearing his protective weight-room strap—to deliver a hard-hitting message on spiritual authority and biblical boundaries. Digging into the scrolls of 1st, 2nd, and 3rd John, Coach tackles how the modern church has grown lazy because we rely too heavily on chapter and verse numbers instead of reading the Bible in its true, raw context.John wasn't writing a generic letter; he was dealing with an aggressive group of false teachers who were splitting the early church by claiming Jesus never actually came in a real "dirt suit." Coach exposes the danger of these ancient doctrines and shows how they've manifested today in a "syrupy sweet" theology that refuses to protect the flock. Just like a good coach has to be tough on his athletes because he loves them, leadership in the body of Christ demands clear correction. We are commanded to guard our pulpits, our small groups, and even our homes from those who reject sound doctrine. It's time to stop letting the world dictate our standards, test the fruit of those who claim to lead, and step up to our spiritual responsibilities.Classroom Highlights:The Post-Surgery Reality: Why Coach is wearing his protective gear in the gym and the aggressive handshake that forced him to keep it on.Lazy Reading Habits: How relying on chapters and verses has caused believers to miss the original flow and intent of the authors.The Dirt-Suit Heresy: Breaking down the specific false teachers John was fighting who denied that Jesus came in a real human body.The Fabricated Love Trap: Why a theology with zero discipline, correction, or pain is a completely false representation of God's heart.Guarding the Teaching Circle: Why pastors, supervisors, and CEOs have an obligation to keep unvetted, fruit-free novices out of leadership roles.Scriptures Studied:2 John 1:10 – If anyone comes to you and does not bring this doctrine, do not receive him into your house nor greet him.1 Corinthians 5:5 – Deliver such a one to Satan for the destruction of the flesh, that his spirit may be saved.Proverbs 12:1 – Whoever loves instruction loves knowledge, but he who hates correction is stupid.#WordTime #CoachShelby #1John #BiblicalContext #TestingTheSpirits #SoundDoctrine #FalseTeachers #ChurchLeadership #ToughLoveChapters0:00 - Intro: Tying 1st, 2nd, and 3rd John Together0:21 - The Lazy Reader Trap: Missing the Original Intent of the Scrolls0:52 - The Flesh-Suit Heresy: Exposing the Ancient Deception1:15 - Once Saved, Always Saved? Challenging Common Theories with Scripture3:38 - The License to Sin: The Dangerous Side-Effect of Bad Doctrine4:28 - 2 John 1:10: Setting Harsh Boundaries for Your Home and Pulpit5:00 - The Syrupy Sweet Lie: Why Fabricated Love Avoids Discipline6:15 - The Gym Story: Coach's 4-Week Post-Surgery Update7:08 - Following Paul's Example: Removing the Rot to Protect the Body7:39 - The Athlete Mindset: Why Good Coaches Correct the Kids They Love8:05 - Addressing the "Judge Not" Comments: Proverbs 12:1 Doesn't Mince Words9:05 - Gangrene in the Pinky: The Urgency of Cutting Out False Fellowship10:32 - Guarding the Teaching Circle: Why Every Saved Person Isn't a Leader11:39 - True Authority: How God Appoints the Messengers Who Carry His Word12:56 - Outro: Preparing the Unqualified for the Glory of Yeshua

What if the key to breaking generational cycles isn't just learning new tools… but healing your nervous system at the root? In this powerful and deeply personal conversation, Wendy sits down with Rev. Jemie Sae Koo, founder of Psychable, to explore new pathways to healing, including breathwork, nervous system regulation, and the emerging world of plant medicine. Jemie shares her own story of growing up in trauma, battling decades of depression, and ultimately finding life-changing healing through psychedelic-assisted therapy. Together, she and Wendy unpack why so many parents struggle to follow through on the parenting strategies they want to use, and how unresolved trauma keeps them stuck in reactive patterns. This episode opens an honest, thoughtful conversation about alternative healing modalities and how they can support parents in creating lasting change, not just for themselves, but for generations to come. If you've ever felt like you “know better” but still can't do better in the moment, this conversation will meet you with compassion and possibility. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/326 ⁠⁠⁠⁠⁠⁠⁠ for more info and links. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Send us Fan MailWhat if your outdoor space could improve your mood, reduce stress, and help you enjoy everyday life more?In this episode of Your Home by Design, we're revisiting a listener favourite as we head into the warmer months. Nico explores the connection between outdoor living, wellbeing, and intentional design, sharing simple ways to transform a balcony, patio, deck, or backyard into a space that draws you outside and encourages you to stay.From the science of biophilic design and the benefits of dining outdoors to practical design strategies for creating comfort, beauty, and connection, this episode will help you rethink how you use your outdoor spaces and why they matter more than you may realize.Whether you're working with a small balcony or a large backyard, you'll learn how thoughtful design choices can help you slow down, reconnect with nature, and create a lifestyle that feels more restorative and fulfilling.KEY TAKEAWAYS:• Why spending more time outdoors can positively impact mood, stress levels, and overall wellbeing• The surprising benefits of dining outside and connecting with nature• How biophilic design supports health and happiness• Simple ways to make a patio, deck, or balcony feel more inviting• How to identify and address outdoor eyesores and annoyances• Furniture planning tips that create comfort and encourage lingering• The role of scent, sound, texture, and lighting in outdoor design• Why even the smallest outdoor space can transform your daily routines• How to create an outdoor environment that supports the lifestyle you want to liveIf you've been wanting to spend more time outdoors this season, this episode will inspire you to create an outdoor space that feels like a true extension of home.Connect with Paro:Website: yourparo.comInstagram: @yourparoSupport the showWebsite:  https://www.yourparo.comResources:                                                     Free Living Room Know How.                                                                                      Free Bathroom Serenity Guide.                                                                                   Get the Free Guides Here!  https://www.yourparo.com/free-guides                                                    Digital Course: Design Your Home for Better Living https://www.yourparo.com/course

It's one thing to tell our kids what's right; it's something completely different to convincingly persuade them to choose what's right for themselves. Join AMBrewster to better understand the four things we all need to do in order to be more convincing in our parenting.Truth.Love.Parent. is a podcast of Truth.Love.Family., an Evermind Ministry.Action Steps Purchase “Quit: how to stop family strife for good.” https://amzn.to/40haxLz Support our 501(c)(3) by becoming a TLP Friend! https://www.truthloveparent.com/donate.html Download the Evermind App. https://evermind.passion.io/checkout/102683 Use the promo code EVERMIND at MyPillow.com. https://www.mypillow.com/evermind  Discover the following episodes by clicking the titles or navigating to the episode in your app: Why Your Kids Do What They Do https://www.truthloveparent.com/the-merest-christianity-series.html  What Happens When Your Family Does What's Right in Its Own Eyes? https://www.truthloveparent.com/taking-back-the-family-blog/tlp-393-what-happens-when-your-family-does-whats-right-in-its-own-eyes  How to Train Your Child to Stay with God https://www.truthloveparent.com/taking-back-the-family-blog/tlp-94-how-to-train-your-child-to-stay-with-god  The Spiritual Warfare in Your Home https://www.truthloveparent.com/spiritual-warfare-in-your-home.html  Biblical Parenting Essentials https://www.truthloveparent.com/biblical-parenting-essentials.html  Click here for Today's episode notes, resources, and transcript: https://www.truthloveparent.com/taking-back-the-family-blog/tlp-635-how-to-convince-your-kidsLike us on Facebook: https://www.facebook.com/TruthLoveParent/Follow us on Instagram: https://www.instagram.com/truth.love.parent/Follow us on Twitter: https://twitter.com/TruthLoveParentPin us on Pinterest: https://www.pinterest.com/TruthLoveParent/Subscribe to us on YouTube: https://www.youtube.com/channel/UCTHV-6sMt4p2KVSeLD-DbcwClick here for more of our social media accounts: https://www.truthloveparent.com/presskit.htmlNeed some help? Write to us at Counselor@TruthLoveParent.com.

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   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  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. 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What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   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.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

Welcome to the Season 7 Finale of Decorating the Set: From Hollywood to Your Home with Beth Kushnick! For our Season 7 Finale, Beth welcomes her long time friend, Emmy-award winning director and executive producer, Frederick E. O. Toye. Fred has been a part of some of the BEST television made in the last 25 years. In addition to being a treasure trove of stories and Hollywood history, he was a delightful guest. A big thank you to Fred for donating his time to speak to us.  Thank you for listening to Season 7 of Decorating the Set and we can’t wait to see you for Season 8!  The Interview with Fred begins at Time Code: 3:50 Join the Decorating the Set Community by subscribing to our Official Facebook Group (https://www.facebook.com/groups/decoratingthesetpodcast)! Interact with Beth, Caroline, Producer Mike, and all of the DTS listeners! GUEST BIO: FREDERICK E. O. TOYE   Frederick E. O. Toye is an American television director and executive producer. Toye made the move into television directing after working for five years as a production assistant and a decade as an editor. This background in the editing room gave him a solid sense of how to tell a clear story, which helped considerably in his work on such complex series as Chuck (NBC 2007–12) and Fringe (Fox 2008–13). Los Angeles native Toye got his first screen credit working as a production assistant on Billy Crystal’s 1989 HBO special Midnight Train to Moscow, before moving into visual effects on films like The Addams Family (1991) and then working as an assistant editor on hit films such as Forrest Gump (1994) and Men in Black (1997). As a TV director, Toye cut his teeth on network TV action and sci-fi thrillers like Alias, Lost, and Fringe and has also worked on character-rich dramas such as The Good Wife. That experience running the gamut between drama genres served Toye well in recent years, directing episodes of genre series like Westworld, Snowpiercer, Watchmen and The Walking Dead. In 2024, his prolific output included The Boys and Fallout. The same year, Toye received acclaim for his work on Shōgun, helming four episodes of the Emmy-winning FX drama series, including season finale “A Dream of a Dream.” The season’s penultimate episode, “Crimson Sky,” earned Toye his first-ever Emmy for outstanding directing, which was also Toye’s first-ever career nomination in the category. Toye followed it up by directing the pilot episode of Prime Video's prequel series The Terminal List: Dark Wolf, starring Chris Pratt and Taylor Kitsch. He set to direct the opening episodes of the Prime Video series Bloodaxe and God of War. ### For over 35 years, Beth Kushnick has created character-driven settings for countless award-winning television series and feature films. As a Set Decorator, she’s composed visuals that both capture and enhance any story. Now, she wants to help you capture and enhance YOUR story. Join Beth and her co-host, Caroline Daley, each week as they go behind the scenes of Hollywood's magic, and give you approachable, yet sophisticated tips to realize the space that best expresses who you are. ### Follow Beth Kushnick on Social Media:  Instagram: @bethkushnick Twitter: @bethkushnick Website: BethKushnick.com Beth is the Decorator By Your Side and now, you can shop her Amazon Store! CLICK HERE! Follow Caroline Daley on Social Media: Twitter: @Tweet2Caroline Website: PodClubhouse.com ### Credits: “Giraffes” by Harrison Amer, licensed by Pod Clubhouse. This is an original production of Pod Clubhouse Productions, LLC. Produced, engineered and edited at Pod Clubhouse Studios. For more information, visit our Website.

What if the strongest kind of power isn't force, but attunement? In this inspiring conversation, Wendy sits down with Miki Agrawal, entrepreneur, author, and founder of HIRO Technologies, to talk about why soft power beats force in business, parenting, and the way we care for the planet. Miki shares how motherhood shifted her from an “individual consciousness” into an “ecosystem consciousness,” and how that evolution shaped her latest company, HIRO, a groundbreaking diaper brand using plastic-eating fungi to help solve the global diaper waste crisis. Together, Wendy and Miki explore stewardship, creativity, humility, community, and the power of building families and businesses in a way that serves the whole ecosystem, not just the individual. This episode is a beautiful reminder that when we lead with connection, collaboration, and deep attunement, we can create change that ripples far beyond our own homes. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/325⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ for more info and links.

Keith welcomes back Rich Dad author Robert Kiyosaki to discuss why debt, inflation, and financial education are critical in today's economy.  Robert challenges traditional advice like "save money and pay off your house," explaining how understanding good debt and owning real assets can accelerate wealth while inflation quietly punishes savers.  They explore how family background and early beliefs shape our money mindset, and why questioning conventional wisdom is essential.  The conversation ultimately stresses that financial education only matters if you take action and intentionally position yourself for turbulent times instead of fearing them. Episode Page: GetRichEducation.com/608 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. This week, the number one selling personal finance author of all time, Robert Kiyosaki of Rich Dad Poor Dad, returns to the show, revealing that he's in debt to the tune of $1.2 billion with a B. Why he believes a depression is coming, and he strongly espouses financial education today on Get Rich Education,    Keith Weinhold  0:29   you know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spots Fill    Keith Weinhold  1:41   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre That's F L O C K homes.com/gre   Corey Coates  2:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:30   Welcome to GRE from Williamsport, Pennsylvania, to Williams, Arizona, and across 188 nations worldwide. You're inside one of America's longest running and most listened to real estate shows, this is Get Rich Education. I'm your host, Keith Weinhold. And with Father's Day this month, it's apropos to talk about Rich Dad. It's been said that the objective of parenting is to turn a liability into an asset. The book Rich Dad Poor Dad has now sold over 40 million copies, and it's been translated into 51 languages. One strong thesis in the book: well, there are a few of them: the rich don't work for money, savers are losers, and your house is not an asset. I think any regular listener here to the GRE podcast is already initiated on this. Savers or losers, because inflation debases your prosperity, and your house is not an asset, because it takes money out of your pocket every month. An asset puts money in your pocket every month instead. And I can see Robert now as he's preparing to take the mic with me here, he's got a blown up visual of his cash flow board game behind him, and then in front of him he's got a few books, including two books that he co-authored with Donald Trump, but this is before Trump was ever a political candidate, so it was before all that, and we're certainly not here to talk politics today. A central theme of the Rich Dad world is that the path for your significant financial betterment is rather than cutting your expenses, increase your income. This is the root action behind the mantra: don't live below your means, grow your means, but see, living below your means is easier. That's the easy thing to do. It's even myopic, say move into a lesser housing situation, or cut out going on vacations. Growing your means takes some education, like how to start a business, or how to own real estate. See, when you deposit money into a bank, all of a sudden that bank has a problem, they owe you interest on it, it's an expense for them. So the bank's job is now to lend your money out to somebody else and make a higher interest rate on it than. Lower interest rate that they're paying you on your deposit. All right. Well, then one direction to focus your education is to start acting like a bank yourself. How do you practically do that? How do you be the bank? Well, just like the bank, you can borrow real estate at a 7% mortgage rate. Now you've got the problem, you've got a monthly mortgage payment you need to make, so you need to beat 7% How are you going to do that? You better get it right. Well, with tax deductions, you might really be paying five to 6% Meanwhile, the real estate that you've carefully identified and invested in with your borrowed capital can earn multiples more without taking high risk, and actually that five to 6% effective cost of capital that you've got is zero, because that monthly payment is all outsourced to your tenants anyway, and what made all this possible for you? Debt made it possible, and now you're acting like the bank, and banks often have the tallest skyscrapers in your city for a reason, because they make money on those spreads all over the place, and now you're doing the same thing. This is an example of growing your means. The bank will hand you 500k to buy a new home or rental property, not for stocks. They won't do that for crypto, not for your 401k not for a business idea that popped into your head at 3am Only real estate, the same institutions, banks that manage your savings and study every asset class, and are very conservative, and have armies and armies of analysts. They will only lend you a half million dollars for one thing: real estate. For a few years, I was a writer for the Rich Dad Advisors blog when that was a thing. Robert and I were most recently together publicly last year when we both served as faculty members on the Terrific Real Estate Guys Investor Summit at Sea in the Caribbean. Let's talk to Robert.    Keith Weinhold  7:18   I'd like to welcome back to the show for his fifth appearance here on the GRE podcast. Well, just the number one selling personal finance author of all time. He wrote Rich Dad Poor Dad in 1997 and has ruled the Rich Dad world ever since. It's a warm get worse education. Welcome back to Robert Kiyosaki.   Robert Kiyosaki  7:38   Thank you, Keith. You know, nobody's more surprised about the success of Rich Dad Poor Dad than me, because it was turned down by every publisher in New York. It was like Simon and Schuster and all these guys, and they said, Why are you turning it down? They said, You don't know what you're talking about. It was consensus about the five editors of different book companies was what you're saying doesn't make sense, that's how strange it was back 1997 and now it's the number one in the world.   Keith Weinhold  8:10   This is often how it is when something strikes someone differently, like the Star Wars movies had difficulty getting traction because it was so unusual, and fortunately, Robert, today the consensus among readers has seen that, oh my gosh, Rich Dad Poor Dad changed my thinking more than anything else. The contrarian thinker,   Robert Kiyosaki  8:34   you know, strike Rich Dad, Poor Dad. My poor dad was academic, you know, PhD, yeah. So he'd be the kind of guy that says your book makes no sense, whereas my rich dad never went to school because his father died when he was 13 and he had to take over the family business. So much of a young person's life is predicated upon their parents or where the family or the culture you come from, and I've been studying more of that, like let's say I was raised in Alabama, I'd have a southern accent but because of the environment it presents it upon you, as the same as money, if a child is born into a poor family, or in my case an academic family, the value systems are all different. My family, and it's still true today. Got to go to school, get a job, and get a pension with the government. That's their whole belief system, and they're so proud of this. Is my brothers and uncles, and all that. They're so proud when their child has what's called a GS, and a government service pension, that's the whole idea on finance, get that pension, job security,   Keith Weinhold  9:49   yeah,   Speaker 1  9:49   nothing wrong with it, nothing wrong with it, but a lot of times we can't hear something because of what's been compressed into us by our culture, our. Family, so my, you know, my poor dad was always, you have to get your PhD, or what? God got a PhD. So my brothers and sisters, their kids are all getting their PhDs. It's fascinating. It's fascinating.   Keith Weinhold  10:14   Yeah, when your poor dad tells you you need to get your PhD, and you're asking for what? Maybe the answer was for him. So our parents, yes, they're often our first teachers.   Speaker 2  10:25   It's just values, very different values. And the more I kind of study it, I don't think I'm a good student of it, but there's this thing called a paradigm matrix, and a paradigm matrix is what is like a cookie cutter, so like father, like son, you know, like mother, like daughter, so much of our lives are transferred by our parents and our schools and things like this, and so that's why Rich Dad Poor Dad, for some people it works, but when it first came out, 1997 as you said, it was strange. I said, you know, the savers were losers, and today everybody knows inflation is going to the roof. I said, your house is not an asset. I got hammered for that one.   Keith Weinhold  11:11   Right.   Speaker 1  11:11   Rich don't work for money. Those are my three rich dad rules. Rich don't work for money, savers are losers, and your house is not an asset. I built Rich Dad Poor Dad around those three rules. I didn't follow my poor dad, those were his guiding lights. You know, you have to have job security, and you have to have a government pension, and my house is my biggest asset. And so you can't hear the person because you already have that paradigm magic, or that cookie cutter inside of you. This is my value system in my family. If I didn't get my PhD, I was stupid. I never got one. But anyway, you know,   Keith Weinhold  11:50   just because you believe something for a long time doesn't make it true,   Speaker 1  11:55   correct? And what's happening? Because I wrote Rich Dad Poor Dad, because I could see this economic times coming, 1971 named Nixon took the dollar off the gold standard, and I knew at that time we're going to have hyperinflation, so that it hasn't hit us quite yet. 1971 was august 15. Nixon's taking the dollar off the gold standard, and you watch what's going to happen next few years. We're going to have hyperinflation that we've never seen before, and it's gonna make the poor and middle class poorer. The rich will get richer, but poor and middle class will get poorer. Tragically,   Keith Weinhold  12:30   that is such an appropriate time to bring this up, Robert, because a lot of people are drawing parallels between the 1970s two waves of inflation during that decade, and what's going on today. I mean, there is so much fuel now that could ignite higher inflation. You've got the cumulative effects of the Iran war and the energy shocks and bottled up supply chains. And Robert, I don't know if you've heard it yet, but you and I's mutual friend, Dr. Chris Martinson, yeah, peak prosperity, there, Chris Martinson, he recently said that he would not be surprised to see 18 to 20% annual inflation in the next two to three years. That's exactly what he said.   Speaker 2  13:12   Yeah, but it's good for those who have assets, right? You see what, when things inflate, you know, like chickens and eggs and milk go up, but so do assets go up, most of them, like gold and silver, will go up, but the purchasing of the dollar will come down. Inflation is a tax, that's all it is.   Keith Weinhold  13:33   So much potential for inflation there, and a lot of this really ties in with debt, about how debtors can be enriched inflation. I think about the cantillion effect, meaning that in inflationary times those closest to the money printer win, and that usually tends to be governments, large banks, corporations with easy credit scores, but a lot of people don't realize that we can benefit from that too is everyday investors that use leverage prudent debt,   Speaker 1  14:05   right, and tell you, in effect, is basically what interest rate can you get, and how easy is money for you, and I use debt, I'm 1,000,000,002 in debt, and that scares the crap out of most people, but I use debt to get rich, and most people use debt to get poor, and again, that's family, what your education says. So, a lot has to do with early childhood development, and all that stuff. The more I study it, it really goes back to before a child was like 15. The cookie cutter has been cut.   Keith Weinhold  14:36   Yes, it goes back to not always having to believe everything that you think.   Speaker 2  14:40   We all have access to education. I have my cash flow game here. I teach people how to use debt, and Dave Ramsey says don't use debt. Well, he's a smart man too, Dave. I like him a lot, and most people should listen to Dave Ramsey, but if you're going to use debt, you'd better take some education, so. To go 1,000,000,002 in debt, man, you better know something. People aren't living paycheck to paycheck, they're living credit card to credit card now, and getting wiped out. I hate to laugh, but it's so obvious. You go, because they have no financial education, and that's why my book was turned down by all those academics in New York City, the publishers say, you don't know what you're talking about. How can I say your house is not an asset? How can I say savers are losers? How can I say the rich don't work for money? And that's what Don't Rich Dad Poor Dad on. And now it's been an international best seller, number one in the world for like 25 years.    Keith Weinhold  15:39   Yeah, well, it's so interesting that you bring up Dave Ramsey here, Robert. He often gets his followers to make a debt-free scream when they're debt free, and you know what I think, Robert, for those that scream that they're debt free, what they're doing is they're postponing screaming that they're job free or job optional, they could have been prudently leveraging dollars for profit, instead, like you and I do.   Speaker 2  16:06    Well, let me just say, Dave Ramsey's advice is good for most people. I'm saying, if you're going to learn to use debt, you know, if all you want is a job and a pension, you don't have to study that much. The biggest mistake I think ever made was at 401 k. It's going to wipe out boomer generation. It's going to.. that's the memos. I wrote this book. Here's who stole my pension, and that's when it's going to nail the boomers. They're finished, because their pensions are going to get stolen. They're four 1k IRAs. They're finished, but they do.. they listen. No, they go, they send their kids to school to get their MBA and get a, get a 401 k.   Keith Weinhold  16:46   Well, I kind of think when you have education around debt, you sort of understand this difference between productive debt and what I'll call ego debt. So, can you talk to us more about what kinds of debt make people rich today and what kinds of debt can quietly destroy them.   Speaker 2  17:02   Well, they should read Rich Dad Poor Dad. Really, I'm serious. That's all it is about, really, is I use debt to get rich, and Dave Ramsey's advice is good for those who don't want to study. So, if you're a PhD in microbiology, and you're a doctor, Dave Ramsey's advice is good for you, because you have no financial education, it's not between your right ear and your left ear. So, I had to study debt, that's the difference. It's what we study.   Keith Weinhold  17:29   And for those that are uninitiated on this, what we're talking about here is, if you've got, say, 200k to invest in real estate, and real estate's going to go up 5% a year. Okay, if you pay all cash, you only have a 5% gain on your 200k but if you get an 800k loan and now you invest in a million dollars worth of real estate, you have that entire million dollars going up 5% not just 200k and you have the tenants servicing the 800k in debt for you. This is really the path to wealth through debt, which is counterintuitive.   Speaker 1  18:02   You don't just get into debt. I mean, you really got to understand debt, and real estate doesn't always go up. It's about to crash again, and I like crashes. Don't get me wrong, I love crashes, because a crash in a stock market, bond market, real estate market is something going on sale, so like if Walmart had a sale, every poor person would run in there, but when the real estate market has a sale, all the poor people run away. I like crashes, that's when you get rich, one's coming big time, big time.   Keith Weinhold  18:33   Well, I want to learn more about that, because residential real estate in our lifetimes has only fallen significantly one time, that was in 2008 and circumstances are so different today. Today, you have responsible lending, and you don't have this oversupply that you had in 2008 So, tell us more about a potential real estate crash that's going to interest a lot of people.   Speaker 1  18:53   Well, real estate crashes, because the currency crashes. It's really the problem with the world today, and this is the whole world, is America is now what, the biggest debtor nation in world history.   Keith Weinhold  19:05   Yeah,   Speaker 1  19:05   39 trillion or something like that. And Japan is a bunch of idiots on Japanese, I can say that they save money. Why would you save money when Japan was the biggest money printer of all times? That'd be like somebody you know, sticking water in your gas tank. Why would you go and fill up with water? But that's what the Japanese were doing. They're saving money. It makes no sense. I mean, I just.. I'm just a different person, you know. I just didn't go to school like my family did. I mean, I have a college education and all that, but I studied different things after school. I studied debt, I studied real estate, and that's the big difference. So, I'm 1,000,000,002 in debt. So, in 2008 when the market crashed, you know, I borrowed 30 million bucks and leveled it up with 1,000,000,002 in debt.   Keith Weinhold  19:52   Good timing   Speaker 1  19:53   should not do what I do, but I studied it since 1974 It's debt that's not. Right now today we have oil going up. My college degree is in oil. I'm an oil tanker driver. I drove oil tankers with Standard Oil. I'm making fortunes today as the price of oil goes up, so you know, more Netanyahu and Trump bomb Iran, terrible as it is. I'm getting richer, so you don't have to be poor, but you're poor because that gap between your left ear and your right ear is empty, you know. You've been taught inflation's bad. Well, inflation is good if you're holding oil or gold or silver or some real estate. Anyway, most people have no financial education. That's why I created the cash flow board game, so you can have fun learning how to be rich. If you don't want to learn to be rich, then go to school and get your PhD.   Keith Weinhold  20:47   Sometimes, when people don't understand how real estate debt benefits them, one way I've helped people understand Robert is that, say, you have a loan balance of 112k on a piece of real estate today, that feels really small. It almost feels like something that you can pay off with what you have in your savings account, but if you go back 30 years, when the median home price is 140k 80% debt on that would have been 112k So here, 30 years later, with your 30 year fixed rate loan, you still just have that 112k in debt, while the median home price is over 400k and that's even if you hadn't made a principal payment at all, so it's really a way to visualize how inflation starts shrinking the real weight of our debt over time.   Speaker 1  21:31   My advice is I would study debt, so I take real estate courses, I'm always studying, I'm studying constantly, because the markets are changing so quickly. The biggest problem today started in 1971 when Nixon took the dollar off the gold standard. So, we're the biggest detonation in world history. I think we're going into a depression right now. So, depression plus AI coming along is going to wipe out jobs. I'm going to get richer. What are you going to do? So, I'm already planning for the future, the people that get rich can see the future. So, when you say, well, you know, back in 2008 it only crashed for a little while. Then, okay, so what? And history has proven in 1971 Nixon took the dollar off the gold standard. Every nation has collapsed. Who did that? The Chinese did it, the Romans did it, the Greeks did it, Germans did it. They print money, and so that's the real issue. It's not debt, but it's also the economic macro problems that keep going into the world. The dollar is coming down, and I'm afraid that we're going into a global depression. I hope I'm wrong, like Grant Cardone, and I have fights all the time about it, you know, because he's a big proponent of that. Real estate always goes up, it doesn't always go up,   Keith Weinhold  22:47   right?   Speaker 1  22:47   It doesn't always go up. The stock market doesn't always go up. The bond market's crashing. Everybody says, "Oh, bonds are safe. The bond market's in the biggest bubble in world history. We're going into a depression. So, what are you going to do about it? I'm afraid America is going to crash because we've taken on Iran, and Iran's a powerful, powerful force out there. I'm not in favor of it, but everybody who's messed with Iran has got kicked. So just note that as this look at history, you can see the future, but you have to be careful in the issue you follow. So, 1971 I was on an aircraft carrier in Vietnam, and my rich dad wrote me a letter. I was a marine helicopter pilot, went down three times. Rich Dad wrote me lessons. Nixon took the dollar off the gold standard, watch out, and immediately I started buying gold. So, I started buying gold at $50 an ounce to today is what, four or 5000   Keith Weinhold  23:43   Yeah,   Speaker 1  23:44   the trouble with gold is you pay high taxes on it, constant taxes too. Good luck to learn, Keith. I study constantly.   Keith Weinhold  23:52   You're listening to Get Rich Education. Our guest is Rich Ed Poor Dad author Robert Kiyosaki. I'm your host, Keith Weinhold.    Keith Weinhold  23:58   What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge, while it's on your mind. Start at Ridge lendinggroup.com that's Ridge lendinggroup.com    Keith Weinhold  24:29   Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 that's family 266866 This   Jim Rickards  25:31   is Author Jim Rickards. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  25:47   Welcome back to Get Rich Education. I'm your host, Keith Weinholt. We're talking with the top-selling personal finance author of all time, Robert Kiyosaki.   Speaker 1  25:55   Just study history. History will see this, you'll see the future. So, this is my good friend here, McDonald. You know why he wants you to get rich, and it's this one man, one message.   Keith Weinhold  26:06   Robert's holding up a book now.   Speaker 1  26:08   You've got to get educated on money, but most people won't, so they got a 401 k, and they live debt free. Good advice. Will it protect them? No, it won't protect them from a, you know, if you lose your job, AI takes it away, or is a massive crash, but we've never been in this much debt before to you. Black generation is screwed, boomers and boomers are screwed, because we're the first generation with a four 1k that was 1974 1974 also Kissinger went to Saudi Arabia to sign the dollar up back by oil, and today my buddy here, Trump is bombing the crap out of Iran. I'm not saying it's good or bad, but the price of oil is going through the roof now. Everybody's complaining about it because of inflation, so chicken and eggs go up in price, you know. Diesel delivers chicken and eggs all over the world. I'm getting richer because I own oil wells, you see. You don't have to be poor, but you better question what they put between your left ear and your right ear. What did Mommy and Daddy tell you? Go to school, get a job, get a job with a government service. My daughter's a GS, she's got a master's from Washington State University losers,   Keith Weinhold  27:24   this untethering of the dollar from gold in 1971 that meant that there is no sovereign currency in the world today that's still tied to gold, allowing for more money printing and enriching over time debtors like you and I, but Robert, we think about how debtors are profiting, and you spoke earlier about how oftentimes your parents put all of these values inside you. How do you emotionally tolerate having a lot of debt yourself? You talked about having $1.2 billion in debt. How do you emotionally deal with that?   Speaker 1  28:00   I study, I take courses. I'm constantly in seminars studying debt. I don't study a 401 ks or bonds, that's for losers. But this is the biggest point, Keith. You got to find out. My rich had always said to me, says there's a billion ways to financial heaven. So, there's what, 8 billion people on planet earth, and 1 billion of the eight may make it to financial heaven, but there's 7 billion to financial hell, and the difference is what's between your left ear and your right ear, and that's why you may choose what you learn carefully, cash flow game, study it, have fun, practice, play, learn, but if you don't want to learn, then follow Dave Ramsey's advice. That's much better. It's better for you, really. I'm serious. And get your PhD and get a 401 k and get wiped out when you lose your job. It's up to you.   Keith Weinhold  28:54   Yeah, I mean, the debt-free mindset probably is better for most people, but I think you shouldn't aspire to want to be like most people. Most people are overweight, and they have a busted relationship, and they don't have enough money at the end of the month. So we're really not aspiring to be mediocre here, and that can mean taking on prudent debt. You wrote something in a book one time, I don't think it was Rich Dad Poor Dad, it was one of your later books. This is so simple, but I found it to be so profound and life-changing for me. And that is simply being wealthy is a choice   Speaker 1  29:28   that doesn't, what you want, it's your choice, but you better know what your choices are. What did Mommy and Daddy say to you? But also, were they doing in front of you?   Keith Weinhold  29:39   Right,   Speaker 1  29:40   were they cleaning for job security or were they buying coil wells? Like, I own Bitcoin, but they'll recommend it now. I study it. I don't really understand it that well. I have 5049 Bitcoin, not much, but as inflation goes up, my Bitcoin goes up. Also, have in theory. I'm old. I don't understand tech that well, but I buy it to learn it, to practice, to study it. Am I an expert at Bitcoin? No. So I just keep studying, that's all I'm saying. I have a choice how to put between this year and that year. That's your choice today.   Keith Weinhold  30:18   Well, that's really interesting, Robert, because some people say that you should only invest in something that you understand well, others say that you're only going to understand something well if you invest a little in it first and have a stake. Well, is there any last thought that you have, Robert, as we wind up, anything at all that a listener should know today?   Speaker 1  30:39   No, I mean, I just said it, that's it. Choose what you put between your left brain and right ear, and what do you do? What do you do in your spare time? Like studying, you can ask the people around me. I'm constantly studying, you know, because I like to win. I'm very concerned, Keith. We're going into the biggest depression in history. So, what happens when you lose your job and you can't put food on the table, that's gonna create another problem. So, I'm a big pessimist, but I'm ready for it. I have a lot of guns, so the, I call it the 5g's Okay, you have to have gold, food, I mean ground, gasoline, and guns, that's preparing for the future, the 5g will be gold, gas, ground, food, guns.   Keith Weinhold  31:27   Well, Robert, you gave us a lot to think about there, including some actionable things. It's been great having you back on the show.   Speaker 1  31:32   Okay. Well, thank you. Keep up the good work.   Keith Weinhold  31:40   I believe Robert feels that a calming economic depression would be linked to the longer term calamity about the dollar being de-pegged from gold for about 55 years now. His 1.2 billion in debt is largely, if not completely, good debt. You can learn more about Robert and the Rich Dad world@richdad.com and he and I talked more off air. As much as he stresses financial education, he emphasizes taking action after you've learned; otherwise, you really haven't gained much of anything. But the rat race is so busy that some people don't have time to care about this stuff. In fact, the difference between financial education and financial courage is action taking. That's the difference. Now, in my view, it seems that some feel like financial betterment means cutting your expenses so much that you reduce your standard of living even over the long term, and doing that for the long term, you might do some of that in the short term, earlier in your investing career, because you need some capital formation, but to me, before long, financial betterment should give you the ability to make your life better. I mean, really don't buy the boat or RV just because it's a depreciating asset. Well, you don't want to do that wastefully if you can't afford it, but if you can learn how to afford it, consider borrowing for it, investing it at a higher interest rate than the RV loan, and profiting while you enjoy the RV, some people don't even think something like that is possible. Well, that's the sort of thing financial education can do. Genuine financial betterment means that you can take the trip, it means that you can buy the boat, because what's worse, owning a depreciating asset or living a depreciating life. Big thanks to Robert Kiyosaki.    Keith Weinhold  33:47   Today, we've got a lot of great upcoming shows here on the Get Rich Education podcast. Next week, The Mad Scientist of Multifamily, Neil Bower, will be here. It's going to be a charged conversation on the state and the future of the residential real estate market. Also, I've been compiling my top 12 dirty dozen due diligence questions that are going to help you avoid mistakes when you buy a piece of income property, like for example, How do you be sure that a build to rent community isn't overbuilt with supply, and why you should always get a property inspection, even on a new construction property that's coming in future weeks, and if you're a new listener and still learning about how to prudently use debt to build wealth, you're in luck. Just eight weeks ago, on episode 600 it's an episode where it's just me talking to you, called Debt is the American dream. Be sure to check out that show until next week. I'm your host, Keith Weinhold. In In the Spirit of Rich Dad, don't quit your daydream.   Speaker 3  34:52   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  35:18   The preceding program was brought to you by Your Home for Wealth Building, Get Rich education.com  

Your Home a Castle Joe Wells

What if the best proof that compassionate discipline works… is 15 years of real life? In this special celebration episode, Wendy and Terry mark two huge milestones: the official release of Fresh Start Your Family and 15 years of no punishment in their home. Together, they reflect on what it has really looked like to raise kids without hurting, harming, or shaming them, and why compassionate discipline has become one of the most life-giving parts of their family legacy. Wendy shares honest stories from the messy middle, including moments when her nervous system reverted, the lessons they've learned along the way, and the long-term fruit they now see in their relationship with their kids. From emotional safety and honesty to self-motivation, confidence, and strong connection, this episode offers a beautiful real-life picture of what becomes possible when parents trade punishment for teaching. If you've ever wondered whether this way of parenting really works, this conversation is your crystal ball moment. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/324⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠ for more info and links.

Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 27th at 8:00 PM Eastern Time. Keith explains how rent payments are starting to factor into credit scores, boosting accountability for tenants and strengthening landlords' position.  He introduces the "GRE Duck" to show how a plain long-term rental can quietly build wealth through several profit centers beyond visible cash flow. Keith also shares why he expects a new era of heightened inflation and how owning real assets with long-term fixed-rate debt can help investors stay ahead of it. Finally, Keith is joined by a GRE Investment Coach, Naresh Vissa, to highlight Oklahoma as an under-the-radar, business-friendly market that many investors see as a promising "next place" for cash-flowing rentals. Episode Page: GetRichEducation.com/607 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. The American consumer is in real trouble today, and persistent inflation is poised to make it worse. How should real estate investors adjust their strategy? Learn the difference between delinquency, default, and foreclosure. Why making an early mortgage payoff is almost always ill-advised, then we explore an investment market that's poised for potential today on Get Rich Education.    Keith Weinhold  0:32   You know, Mid South Homebuyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's danielthomamashind.com and sign up before spots fill.   Keith Weinhold  1:45   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre that's F L O C K homes.com/gre   Corey Coates  2:18   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  2:34   Welcome to GRE from Arcadia, California to Arcade New York, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education. Around here, we don't look at a house and see four walls, we see five profit centers quietly doing jumping jacks behind the drywall. At the same time, most people seem to think cash flow is something that you catch in a stream. Hey, well, Who's in trouble out there amidst persistent and rising inflation? Well, you know the answer, it's just another reflection of the K-shaped economy and the hollowing out of the middle class. Now we can look at how many Americans are missing their mortgage payments. The mortgage delinquency rate is historically between one and 2% That just means that's the proportion of borrowers that get seriously behind on their mortgage payments. That's the normal range over the long run. Today's figure is pretty low at 1.1% so on the low end of that historic one to 2% range. So homeowners are in good shape, but credit card and automobile loan delinquencies are now deeply concerning, and a lot of times these people can be your rent paying tenant for credit card delinquency. Back in 2022 the rate was 8% Now 13% of credit card users are seriously behind on their payments. How about automobile delinquency? Back in 2022 it was 3.6% Now it's 5.6% and then there's student loans. The proportion of seriously delinquent student loans is 10.3% That's the highest since 2020 So the average borrower entering student loan default is now fully 40 years old. Before the pandemic, it was just 36 and a half. Now, there's surprisingly few hard statistics on the exact average age at which Americans fully pay off student loans, but the best available evidence from a platform. Called the Education Data Initiative, it suggests that the typical borrower who successfully repays on a standard timeline finishes somewhere in their early to mid 40s, and a substantial share of borrowers still carry student debt into their 50s and even 60s, so the US student loan crisis is intensifying. How about your tenant in that rent payment? About one in eight renters are behind on their rent payments per the CFPB. Almost every tenant catches up. Some live a paycheck to paycheck timing game. The payment that renters are most likely to miss is for credit cards, and, like I just put the numbers to, they are more than twice as likely to miss a credit card payment than they are an automobile payment. To most tenants, losing the car would mean losing the job, so they'll make the car payment before the credit card payment, and eviction is catastrophic, so they don't want to face that. They'll make that rent payment before a credit card payment too. Alarmingly, half of American credit card users carry balances from month to month, fully half the average interest they're paying is 21 to 22% I mean, sheesh, if Luboo is in a collection of wildly overpriced Stanley tumblers that all look big enough, waste of money. Now, some debtors can tap home equity to pay their consumer debt, but a lot of them aren't homeowners, all right. So, what does this all mean for residential income property owners? Well, since 1980 rent increases have compounded at 3.9% annually, that's the number, so almost 4% rent growth since about the time that Ronald Reagan became president, but rent growth is currently lagging behind this, and I expect that rent hikes will continue to be pretty paltry for the next couple years. Inflation is stressing tenants' consumer purchases too much for them to deal with steep rent hikes. The median household income of a US renter is $55,000 Overall, it's $84,000 All right, so to be clear, that 84k household income is not for homeowners, it's 84k overall for every American household. The 55k number is just for renters. What all this means is that this coming higher wave of inflation from the Iran war, where you're now poised to potentially see the highest rate of inflation of your entire life occur in the next couple years is that when you're looking at adding rental property on your pro forma, you can see how the numbers would be with those historic 3.9% rent increases each year, but it's wiser to run your numbers with no rent increase at all, because higher inflation on all these consumer products means it's less likely that they can handle a rent hike   Keith Weinhold  8:25   In the mortgage world. What's the difference between delinquency, default, and foreclosure, anyway? Because some people use a couple of those terms interchangeably, but there is a difference. The timeline is that once you're 30 days late, that is delinquency, and this condition occurs the moment that a single payment is missed. And at this early stage, your bank still hopes that this is temporary, because the bank actually doesn't want to take back your property. They're not in the business to do that. They want you to be able to keep making your payments in general, because if a borrower keeps missing payments and a bank has to take possession of the property, well, then that bank has to pay legal fees and court costs, and even property taxes if they end up taking back the property. Yeah, the bank pays all of that if they have to take it all right, so that's 30 days. What about when a borrower gets to 90 days late on payments, where we're trending closer to the bank having to take back the property? Well, 90 days, that's the point at which we're in mortgage default. When a homeowner's 90 days late on payments, the lender kind of says to themselves that bank is saying, hey, this is serious, and they file what's called a notice of default with both the homeowner and the courts at the 120 day mark. This is pre foreclosure, right? So, after about four months or more of missed pay. Payments and state timelines vary. Texas is famously Formula One fast, really lender friendly, then, but timelines can drag on for one to three years in a bunch of northeastern states, Florida, Illinois and Ohio, so they're more borrower protective, and during Covid, this was overridden, and even fast states became slow. Beyond 120 days of non-payment, this is foreclosure, the legal seizure process. This is when the home sells that auction to the highest bidder. That's sort of like Sotheby's for distressed drywall, but if no bidder raises their paddle, well, then the property returns to the bank and becomes R E O. You've probably heard this term before, that stands for real estate owned, R E O. It also kind of means bank owned, and bank owned is the phrase that kind of makes more sense. That's what REO is, all right. Yes, this is when the bank becomes the home's reluctant landlord, and if the occupant has not left, the bank can formally file for eviction. Banks don't like being in this position, and they might sell the home cheaply. Why would they do that? Because, again, banks are not in the business of owning property, and they don't want to pay those holding costs, besides paying legal fees and court costs, and the banks now having to pay property tax because they do temporarily own that foreclosed upon property. Now they're also usually paying for maintenance, repairs, and insurance, a non-paying borrower like this can typically cost a lender 1000s per month. So this is the difference between delinquency, default, and foreclosure. But, like I said, we are at a time when mortgage delinquency rates are historically low. Instead, it's consumer debtors that are more likely to default today on things like their credit cards and their automobile loans. The takeaway for real estate investors here is that in today's inflationary times, renters are increasingly cost-burdened, rent increases are historically slow. That's sort of the bad news. And then the upside, the good news is it also means that tenants must delay home ownership and keep on renting from you, because as they struggle to pay these rising expenses, it's also harder and harder for them to form a down payment and go buy their own place, that's the real lesson with the parts of the economy where you see default trends today.    Keith Weinhold  12:52   Now, if you're an income property owner, like I am, you probably have mortgages with a bunch of different banks, lenders like I do. You've probably noticed more than once that various banks and mortgage servicers, a lot of times, they feature these early payoff tools, enticing you to pay your mortgage off ahead of time, before it goes its full 30 year term, or whatever your full loan duration is. I mean, a lot of banks love it when you try to pay off your own early. It's often good for them and bad for you. And there are a few reasons that banks do this. They reduce their default risk if a bank convinces you, the borrower, to aggressively pay down your principal. It also builds equity faster, and you become less likely to walk away, so it's safer for the bank during downturns. Say there's a borrower with a 300k property and a 50k loan balance, meaning it's mostly paid off. Oh, that's far less risky to the bank than one with a 300k property and a 200k loan balance, meaning that you have less equity in it. So banks value stability. Another reason that some banks want to roll out the red carpet to try to get you to pay off your mortgage early is because banks recycle capital. They don't simply hold every mortgage for 30 years. A lot of loans are sold to Fannie Mae or Freddie Mac, or they're bundled into mortgage-backed securities, or they're serviced for fees. So your originating bank, when they first made that loan with you, oh, they've already earned their origination fees and servicing income and cross-selling opportunities, so getting principal back from you sooner allows them to reissue new loans sooner, and see rising interest rate environments like we've been in lately that changes the incentives for banks too, because if current mortgage rates are higher than your old rate a. Wow, then banks really love getting your old low rate loan paid off. Just say, for example, you have a 3% mortgage that you got five years ago, and new mortgages today are 7% Oh, if you pay off or refinance the old loan, oh well, now the bank can redeploy that money into higher yielding loans. Now they can lend it out at today's 7% that is really valuable to them. So encouraging your payoff, that is often just some consumer service positioning and marketing. You'll see messaging like, hey, make extra payments, or hey, you can own your home faster if you make extra principal pay downs, that's sort of marketing psychology. Because emotionally, a lot of consumers, they're not thinking big, they still emotionally love debt freedom, because a lot of them don't even consider true financial freedom is something that's in the realm of possibility for them, so banks provide tools because customers oftentimes want them and like them. Regulators actually like this position too. It's positioned as responsible lending optics, and financially healthy borrowers are deemed to be safer customers, but a bank sure does not want delinquency or foreclosure from a wealth building perspective. Productive low-cost debt benefits you, the borrower, enormously.    Keith Weinhold  16:34   And on previous episodes, I've talked extensively about how making extra principal pay downs on your mortgage is a bad idea, and that's whether it's rental property or your own home, and you know, I'll bring a new example to this for you. It might feel good to pay off your mortgage faster. Your bank probably likes that, as I just explained, but feeling good doesn't build your wealth. Let's just take a 400k mortgage at a 6% mortgage rate. We'll keep it simple. With a 30 year loan, your payment is about 2400 monthly, so you'll pay 864k over the life of the loan. Well, instead, with a 15 year loan, your payment's 3376 and you'll pay just 608k over the life of the loan. So, by paying extra principal with the 15 year, you save about 255k in interest over the life of the loan, and that's it. Most people stop right there, and they think, oh well, then the 15 year paying down principal faster than that has got to be the smarter way, look, I can point to this on paper and show you, no, but with that extra about $1,000 per month of mortgage payment that you made by going with the 15 year, if instead you would have just invested that at an 8% return, you would have about 1.1 million more dollars in your pocket. Some people say they sleep better because their house is paid off, but I would rather sleep knowing that my money is growing faster than my debt is costing me. I only used 8% as a return, too. If your dollars were instead invested in a different vehicle, say in buy and hold income property. We know that it can be multiples higher than 8% and all the while, if we keep our own money and avoid making an early pay down, our cash is also going to remain more liquid than if we sunk it into the house, because houses make terrible banks. It is indeed rather myopic to make extra principal payments on a mortgage loan in most cases. In fact, somewhat related to this, coming up on a future show, I'm going to tell you about the biggest financial expense you will ever have in your life, it is not taxes, it's not housing, it's not interest charges, it's not inflation, it's not paying for children, and it's not health care. Most people have never heard of it. The biggest financial expense that you'll ever have in your life. I'll talk about that coming up in a future episode.    Keith Weinhold  19:23   Is today's American housing market a buyer's market or a seller's market? In fact, it's somewhat of a discussion that you can have. There's not a clear cut answer, because more so than usual, it depends on which region of the nation you're looking at. As we know, six months of available supply is a balanced market nationally. There's only 4.4 months of existing housing supply, but almost twice that much new housing supply. National median home values are only up about 1.1% year over year. And what's the future of the investment market? Good, I'm going to discuss this and more with a guest later today. I would like to seriously thank you for your listenership. GRE is a platform largely built on long form trust, podcast listeners, newsletters, coaching calls, and referrals, releasing a show 52 weeks a year for between 11 and 12 years now, and the show is delivered every week from me, a real human flesh and blood host with a pulse and sometimes a cowlick in my hair, really human stuff going on here. I say this because robot podcast hosts are becoming more common, though I still wouldn't say that robot hosts are widespread. Amazon's Alexa Plus now produces AI-generated podcasts featuring chats between two robot co-hosts, but here on GRE it's always been human delivered with no plans to change that promise, and speaking of human connection, I learned that a number of successful guests that you've heard here on the show, they've gotten counsel from a rather special executive coach that's really developed some of these people that you've heard on the show. This coach has helped people show up as the best version of themselves and build them into better leaders, better operators, and better men and women, just like you, I know there's a gap between who you are and who you could be. When someone points out that gap to you, that can be a motivator alone, and when you learn the steps to close that gap, you really start to fulfill your potential. It often takes a trained eye from the outside to get you on the right trajectory and build the sort of person that compounds and builds you closer to your optimal self and people of enormous success have a coach or mentor behind them. Steve Jobs did, Michael Jordan, Tom Brady, Taylor Swift does the accountability piece alone is often enough to elevate your performance. I just learned about this coach this year. This man has been the behind the scenes key to success for a number of not just real estate related pros and GRE guests, but other people too. And interestingly, he hasn't marketed himself online anywhere. Well, I got curious, I learned more about him and kind of tracked him down, and he and I had a great lunch in California together not long ago, and I have since learned from him after 12 years behind the scenes. Well, it was quite a successful lunch, because that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind, the number of people with life-changing testimonials from working with him is pretty remarkable. So, if you're a hard-charging business owner or investor, and you want to get in the best shape of your life, physically, mentally, or professionally, you can fill out an application for a free consult. It's private one on one coaching, if you're willing to go to uncommon lengths to achieve pretty uncommon results. Thanks to Daniel, we've all become better leaders, better operators, better men. It started by showing up for ourselves. If it sounds interesting to you, now it can be your turn. You might at least look into it, since it is close personal one on one coaching. He can only help a limited number of people. So, complete an application before spots fill. You can go to Daniel Thomas hind.com H I N D is how you spell his last name, that's Daniel Thomas hind.com More next, I'm Keith Weinhold. This is Get Rich Education.    Keith Weinhold  24:05   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at Ridge Lending group.com That's Ridge lendinggroup.com    Keith Weinhold  24:36   Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers Freedom Notes for investors seeking structured income backed by real estate. It's a straight. Forward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 266866 that's Family 266866    Keith Weinhold  25:38   This is Peak Prosperity's Chris Martinson, listen to Get Rich Education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  25:52   For an in-house chat, I'd like to welcome back our head investment coach here at GRE. He has his MBA, but perhaps more importantly, he's an active real estate investor himself, and he spends his days helping GRE listeners cut through the noise and actually make smart real estate investing decisions, and this means helping you figure things out, like what market fits your goals, whether cash flow appreciation or even showing a tax law should be your priority, and how to think about financing and what properties, the exact properties pass the smell test, and maybe most importantly, helping investors like you avoid expensive mistakes. And yes, the coaching is free to GRE listeners at GRE Investment coach.com And basically, if the real estate world feels like Costco on a Saturday afternoon, he helps you find the free samples, find the exit, and get the good deals without getting run over by a shopping cart. It's time for you to share with the audience. Naresh Vissa.   Naresh Vissa  26:53   Thanks a lot, Keith, for having me back on the show. Always a pleasure to connect with our loyal GRE listeners and followers,   Keith Weinhold  27:01   a lot of loyal listeners, some that have listened to all 600 plus episodes, starting from back in 2014 and Naresh we continue to see income property builders provide incentives that we haven't seen in years. Tell us about it.   Naresh Vissa  27:19   We're at a key point in this real estate cycle, Keith, regarding incentives, because we had GRE, and I think investors will tell you this, not just through GRE, but maybe in their hometowns and their local markets, that they're seeing incentives that they've never seen before, and a major reason for this is understanding why these incentives are there in the first place. If we go back five years to 2021 we didn't really see any incentives in 2021 outside of maybe like one year of free property management, which isn't the most enticing incentive out there, but today we are seeing more incentives than we've seen, at least in my career as a real estate investor, which is not very long, it's only about 10 years, but in my career as a real estate investor, in my career as a real estate investment coach, and a major reason for that is because providers, we call them providers, we can call them local market builders, or specialists, or flippers, wholesalers - we'll just call them sellers - they want to offload inventory, they want to sell their homes as quickly as possible. And why is that? Because we're not in a 2021 environment anymore, where a property gets listed and within three hours the first offer comes in, and within 24 hours multiple offers are in, and within two days of property is sold. We're not in that environment anymore. There are a variety of factors about why we're not in that environment. Part of it is economy related, part of it we talked at length about Doge, and the government contracts that have been cut. I mean, we're talking about hundreds of billions of dollars that are worth of dollars that are no longer pumping into the US economy, and the many jobs associated with that. We're also talking about the artificial intelligence, so the tech industries for the last few years, have not necessarily downsized, but changed their job functions, or removed, just eliminated job functions entirely, and this has affected markets, not the entire United States, but it's certainly affected some markets that we operate in, Florida, certainly in Texas, you can look at Austin, Texas, for example, and see the impact that the artificial intelligence and AI has had in the sector there. There are just all sorts of reasons, and so this is why builders, they're not building as much. So there were five years ago what are called spec homes. And pre construction homes, pre construction homes are homes that are to be developed and they get buyers ahead of time and they don't build until they get a buyer and then they build and they complete the property. Pre construction homes are not being done anymore as compared to custom home. A custom home is when you have a buyer and the building has started, the buyer has paid a good portion of the building, and the property is complete. But in pre-construction, they haven't even broken ground, they haven't even gotten permits, and a lot of investors have been scared away from that, saying, Why get a home like that when I can just buy a spec home or a custom home. A spec home is a home where the builder just builds a property and they hope that a buyer is going to come after it's built, and the problem with that, as we're seeing today, this is why builders are trying to offload their inventory. It's because so many of these spec homes were built because these builders thought, oh, 2021 2022 those are such amazing years, but now in 2026 they built these homes, and there aren't buyers throughout the building process, they weren't able to get buyers, and there still aren't buyers available, so what do the builders want to do, they want to offer really, really enticing incentives, because it's very highly likely they took out some type of construction loan, and they took out some other type of loan, and they've got all this debt on the property. Builders are not landlords, builders build, they want to build something and sell it off. They do not want to hold on to it and let something just sit there, that builders make money by selling their property, so all these different reasons are why we're seeing incentives like we've never seen before. And to give you an example, instead of one year of property management, we're seeing two years of property management. Yeah, instead of closing cost credits, we're seeing builders and sellers in general actually pay money to buyers, so they close on a property. Let's say they, instead of a closing cost credit, you close on a property, they'll literally just wire you or overnight you a check for x amount of dollars, and this is not like $1,000 $2,000 We've had some investors get up to $50,000 mailed to them after closing on a property, so I think this is a really, really good time for investors to find deals. You brought up Costco earlier, I'm like the Costco finder, it's a really, really good time to find deals, because through networks like GRE we have access globally, not just mainland 48 states, not just United States, not just globally, whether it's teak timber parcels in South America or in Central America, or it's duplexes, quads, single family homes in mainland United States, we have access to these deals, to these incentives, whereas your average person, they're just reading some headline saying, oh, real estate is a bad investment right now, and home values are supposed to crash, and there's so many homes available for sale, and there's going to be this big crash, and and inflation is very high, which means interest rates are really high. That's like the general consensus, but that's what the mainstream news media is telling, and that's what's creating a consensus.   Keith Weinhold  33:29   That's what clicks and fear. Yes,   Naresh Vissa  33:31   that's where I say that there are GRE is here to find those diamonds in a rough to find those incentives to find those good deals to find those markets, just like even in the stock market, the stock market can be at all-time highs, but you can still find those diamonds in the rough that are good, high-quality companies. Maybe they're undervalued. There's always going to be some type of diamond in the rough. I don't think we've ever gone through a period in our lifetimes where it was like, oh, everything is going so well, and there's nothing to invest in. There's nothing we should just do nothing with our money. I don't think there's ever been a point. There's always in any asset class in any industry. So that's why I say right now I'm seeing incentives. That's how I began this conversation. I'm seeing incentives that I've never seen before, and I'm excited to share them with all of our GRE followers.   Keith Weinhold  34:24   Yes, there's never perfection in a market like a panacea, where everything is tuned in just right, and it's really not a buyer's market nationally, in a sense. Now it sort of feels that way, because in 2021 to 2022 we had such a frenzy and such a run up in such a seller's market that things have come somewhat back more into balance. We still have substantially less than six months of supply on a national basis, but yes, to your point, some people are really cashing in on. These incentives, and that's created a pickup in activity recently that you've seen with investors.   Naresh Vissa  35:07   I have absolutely seen a pickup in activity, and there could be.. I don't want to speak in absolutes.. there could be a variety of reasons for this. Number one is the stock market has consistently reached all-time highs for the past few weeks or so, and many people, they liquidated some of their portfolio, they liquidated some of those stocks, and said, all right, it's time to get into real estate. Another reason is, yes, you do see these headlines that are doom and gloom, next big crash, and there are some markets in Florida, for example, in Texas, for example, in the DMV area, DC metro area, Maryland, Virginia, and even in some parts of California, you do see a stagnation in home values, maybe even a decline in home values in some of these areas, but I bring them up because some areas where investors own are still thriving and doing really well, and many of those investors who we work with at GRE, they opted to 1031 and say, you know what, I had this property, it appreciated by 60% since I bought it, 60% 50% whatever it might be, and I want to cash out. Well, I don't want to necessarily cash out, but I want to sell in 1031 into an undervalued market, or a market where the homes have declined, or maybe it's an up and coming market. For those who don't know, 1031 is special tax favored strategy from the tax code that allows real estate investors to sell a property and to essentially replace it with a like kind property, and there's tax break, you don't have to pay a capital gains tax or anything on it. There's nothing like that with stocks. So, if you sell a stock, for example, you can't get a more expensive stock with that capital gain and avoid paying the capital gains tax. Unfortunately, you can't do that for stocks, but for real estate, you can. So, we've had several investors do that, where they, 1031 they said this market, it's taken off, maybe it could go down, who knows, but I'm selling at the peak, and I want to buy somewhere else, so that's what we help people do, that's what I help people do, I help them find those deals, those incentives, those markets that could be up and coming, or maybe that declined, and that's why still it makes a lot of sense to be on the lookout for those deals.   Keith Weinhold  37:47   Now, one such place is potentially the Oklahoma market. Last week here on the show, I had your co-host for an upcoming event with me, Richard, whom is an Oklahoma City provider, and we were sort of a phrase that I use, Naresh, is that next place, that next place, Oklahoma City, where the prices haven't run up, it's business friendly, and you do have these affordable prices, and you have landlord-friendly laws, potentially that next place where your dollar goes further, and as the Oklahoma City Thunder go deep in the playoffs, you know the nice thing about Oklahoma is that you can still buy real estate there without needing an NBA contract to afford it. In fact, we were spotlighting their $145,000 new build detached single family rental. Now it is tiny, and it comes with both LVP flooring and granite. I mean, it's something that sort of sounds like science fiction in Metro New York City and coastal California. I don't know if paying 145k would even give you permission to look at a house, but that's one opportunity that we've been talking about here. Niresh,   Naresh Vissa  39:03   let me talk a bit about Oklahoma, because this is a market that we haven't covered much. In fact, we, I would say, have never covered it in writing. It's not heavily featured throughout GRE's history. Yeah, it's not prominently featured on our website. This is a newer market, and I brought up the term up and coming, so I brought up the 1031 people are 1031 into up and coming markets. Oklahoma is an up and coming market. It's a very landlord friendly state, it's a very tax friendly state. The property taxes are significantly lower in Oklahoma, for example, compared to a Texas or a Florida, which are two very popular in real estate investment states. Investors go after Oklahoma is not quite as high, their home insurance isn't anywhere as high as a Florida, for example, but the best part. It is because of all these different factors. Oklahoma has a lot of industry, and we'll go into it this Thursday on our webinar. Go to GRE webinars.com to register, but Oklahoma, the tourism is getting up and running. The energy industry still has a very important part to play in this world's energy consumption, Oklahoma, it's got huge academic areas. You have Oklahoma University, you have Oklahoma State, you have a plethora of Tulsa has a very strong university there. You have medical schools there. Oklahoma is an underrated state. People don't think about Oklahoma when they think about what are the greatest states in America, or what state that I want to move to, but Oklahoma, I think, is that next up-and-coming state, because there's actually more stuff now. I brought up tourism, you brought up the Oklahoma City Thunder, they never had really any professional sports teams, what, 20 years ago,   Keith Weinhold  41:02   right?   Naresh Vissa  41:03   And the Thunder now are the best NBA teams. They have been the best, and I'm rooting for them. So this is all good. That's the Oklahoma City area, where the Thunder play, but, like I said, I brought up other markets, like Tulsa, where we have inventory, and there are a few others that we're going to cover, but mostly the best properties that we're going to cover on Thursday are in the Oklahoma City area, places within 45 minutes, 50 minutes from Oklahoma City. So, as you're watching the webinar and following the Oklahoma City Thunder, that should only kind of enhance as the team does better and as Oklahoma gets more publicity, and is on TV more, and you see all those nice stills on TV, and those shots, and ESPNs covering the city, that's all very good for real estate, and for publicity, and this is like an intangible reason to invest in Oklahoma that actually makes a very big difference. So, overall, Oklahoma is what I would call, like I said earlier, up and coming, the home values, because it's up and coming. You can't get $145,000 new construction property anywhere in the United States right now. When I say anywhere, there's a little bit of hyperbole there. If you look to some boondock towns and cities, yeah, you'll find them, but are they really good renters markets? Are they good appreciating markets? Well, in fact, the most of the state of Oklahoma is now, and definitely that Oklahoma City area is. So, I'm excited about this online special event we're having this Thursday, because, like I said, this is a new market, just like the team, I mean, so many fans are just new to Oklahoma, you know, like Oklahoma, like what's in Oklahoma. Well, attend our special event this Thursday, GRE webinars.com and we're going to get down to the nitty gritty of it. I think this is out of all the up and coming markets I've covered over the last 10 years, I think this is the best one, because the problems I had with some of these up and coming markets, like Memphis, for example, crime.. it's why are they up and coming? Why are the home value solo? Well, you know, crime was a major issue. There's no comparison between an Oklahoma City or a Tulsa and Memphis, for example, or a Baltimore. There's no comparison when it comes to esthetics, when it comes to newness, niceness, crime, homicides, no comparison. So, to me, this is a no-brainer. And I think investors should be really excited about this.   Keith Weinhold  43:32   There is anticipation for Thursday's live event, which you can enjoy from the comfort of your own home. You'll learn about real estate investing, you'll get to chat with Naresh and the co-host, Richard, that provides there. Ask any questions that you want to have answered in real time. The event name is why investors are targeting Oklahoma real estate this year. It is this Thursday night, the 20-eighth, 8pm Eastern, 5pm Pacific. Sign up is open@grewebinars.com It's free. Naresh, we all look forward to seeing you Thursday night. It was great having you here.   Naresh Vissa  44:06   Thanks a lot, Keith. Looking forward to seeing everybody.   Keith Weinhold  44:15   Yes, the Oklahoma City Thunder are the reigning NBA champions, and they've gone deep into playoffs again this season, but what you'll find more interesting about Oklahoma City's real estate investment market is that it's business friendly, still affordable population growth, job growth. There are still good deals. You don't need to have a venture capital exit just to put some rental property in your portfolio, and while those $145,000 properties are small detached cottages with LVP and granite, there are other single family rental and duplex styles, all new build, everything here is new construction, the. Like a nice looking 565k duplex in Edmond, Oklahoma. I'm looking at a photo of it right now. Edmund abuts right up against Oklahoma City. Between 2010 and 2020 it had whopping population growth of 16% That is not random. People vote with their moving trucks. Learn more about Oklahoma's growth in energy, aerospace, aviation, logistics, and tech, along with Oklahoma City's downtown revitalization. This creates the rent-paying tenants with stable incomes that we need at the event, the provider is even offering two years of free property management, and they handle all the tenant placement for you. Save your spot for Thursday now@grewebinars.com Our team will see you then. Next week, we'll have Rich Dad Poor Dad author Robert Kiyosaki back here on the show with us. We'll see you Thursday. I'm your host, Keith Weinhold. Don't quit your daydream.   Unknown Speaker  46:08   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  46:36   The preceding program was brought to you by Your Home for Wealth building get richeducation.com  

Many people come to the practice of feng shui because they say they want a peaceful home. But what does that actually mean? The good news is that creating a more harmonious home does not have to be complicated. Small intentional shifts can completely change how a space feels. Episode 383 explores how feng shui can help to create a peaceful, harmonious home through practical steps and mindful practices. Exploring topics of grounding, yin energy, natural elements, and space clearing, we share five simple feng shui steps to help create a home that feels calmer, softer, and more peaceful.What we talk about in this episode:What does a peaceful home mean?-The importance of bedroom placement and support-Leaning into yin energy for calmness-Using earth elements for stability-Incorporating natural elements and light-Crystal and stone energy for harmony-Regular space clearing and energy refresh…and much more!Mentioned in this episode:Our Feng Shui Energy Map EkitRegister for our free & on-demand Feng Shui plant workshop, available for a limited timeHarmonize your Home with Feng Shui PlantsEnhance your qi, prosperity and wellnessThanks so much for listening to the Holistic Spaces Podcast brought to you by Mindful Design Feng Shui School!-Sign up for our newsletter for exclusive complimentary special workshops and offers for our newsletter subscribers ONLY! -Make sure you're following us on Instagram for feng shui tips and live Q&A's.-Learn about our courses and certification on our website at: Mindful Design School.-Check out our older episodes on our Holistic Spaces Podcast archive.Time stamps for this episode:[01:27] Understanding Peace in Feng Shui[05:07] Five Steps to a Peaceful Home[10:41] Embracing Yin Energy for Calmness[15:50] Grounding Energy with Earth Elements[21:28] Inviting Nature into Your Home[26:48] Clearing and Refreshing Your SpaceMORE QUESTIONSHire one of our Mindful design school Grads for a 1-1 consultation. We know so many personal questions come up. That's why you need a 1-1! Laura and Anjie offer all these freebies, but if you want to learn more it's time to ask a professional. learn more HEREORDER OUR NEW BOOK HERE

What if the frustration so many parents feel about politics could actually become influence? In this deeply meaningful conversation, Wendy sits down with Sharon McMahon, author of The Small and the Mighty and founder of Sharon Says So, to talk about why civics matters for parents, how history gives us hope, and what it looks like to stay grounded when the world feels heavy. Together, they explore how learning government and history can help families move from fear and confusion into courage, clarity, and purposeful action. Sharon shares the heart behind The Small and the Mighty, the power of ordinary people who refused to give up, and why unity does not have to mean agreement. This episode is a beautiful reminder that our kids are always watching, that character matters, and that influence begins with how we show up at the table, in our communities, and in the hard conversations. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/323⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠ for more info and links.

Most Christians think of the church building as “the temple” or “the sanctuary”… but biblically, that's not true. In the New Covenant, God's presence doesn't dwell in a building—He dwells in His people. That means you are the temple. And by extension, your household becomes the front line of worship, holiness, and spiritual leadership. In this episode, we unpack the biblical meaning of the temple and why fathers must take seriously their role as spiritual leaders in the home. If you've grown tired, faced resistance, or felt like your efforts aren't making a difference—don't quit. What happens inside your home has eternal significance, and your leadership matters more than you realize. Links in this Episode AW Bootcamp: Aug 21-23 Family Worship by Joel Beeke Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - No Temple for God, Says Pastor(00:00:25) - Abraham's Wallet Boot Camp Retreat(00:05:17) - Abraham's Wallet: Separation From Chaos(00:13:39) - The Holy of Holies(00:19:56) - Hebrews 9: The Temple of God(00:21:20) - Stewarding His Presence(00:27:52) - The cleansing of the temple of God(00:34:19) - Wonders of God: Stewarding the Presence of God(00:37:27) - Being the Priest of Your Home(00:43:16) - The Stewarding of God's Presence(00:44:28) - Be Restful in Your Home, Dad

Welcome back, friend, to Create the Space with Cody Maher. In this special episode, I'm inviting you behind the scenes to experience what it truly means to intentionally align your home—and your life—with your deepest purpose. Today, you'll join me for a raw and inspiring six-month check-in with my beautiful client, Cathy, as we revisit the journey we began together through my Activated Home process. You'll hear the moment Cathy opens her Silver Box ritual, revealing intentions she'd completely forgotten—only to discover just how much of her vision for connection, abundance, and authentic living has already come to life. We'll dive into rituals, surprises, and the magic that happens when you stop forcing outcomes and start creating real space for your highest calling. If you're craving proof that honoring your environment can become a catalyst for extraordinary change, this one is for you. I'm so glad you're here—let's create the space together. What You'll Learn: What it feels like when manifestations actually land in real life How the helpful people and travel area of your home supports what's coming in The 30/30/30 framework: earth luck, heaven luck, and human luck Why writing your intentions down and forgetting about them is part of the magic How feng shui blends intention with action to create real change Why the intentions we don't write down are often the ones still asking to be felt Thank you so much for being here. This podcast exists because of the women who show up for these conversations and keep coming back. It genuinely means everything.   Leave a review on Apple Podcasts and you could win a free mini consult with Cody. Each month one reviewer is chosen at random. It takes about a minute and it helps Create the Space reach the women who need it most.   Book a complimentary chat with cody   Connect with Cody: Instagram: @spacewithcody Website: spacewithcody.com   Free Resource: Ready to shift the energy of your home? Start here with Five Shifts to Improve the Energy of Your Home, a free video guide from Cody.   Work with Cody: Explore ways to work together at spacewithcody.com © Create the Space with Cody Maher. All rights reserved.

What if the version of you that shows up at 6pm — snapping, threatening the iPad, locking herself in the bathroom for 30 seconds of peace — isn't a parenting problem at all? What if it's a nervous system problem?Wendy Snyder is back on the show & this conversation is the one-two punch I've been waiting to bring you. Wendy is a certified positive parenting educator, founder of Fresh Start Family, and host of the Fresh Start Family Show. Her brand new book — Fresh Start Your Family: Powerful Parenting to Restore Peace in Your Home — comes out at the end of May, and inside it, she walks parents through the exact framework she used to break a generational pattern of reactivity, yelling, and corporal punishment in her own family. We talk about why the high-achieving women in our community are particularly wired for reactive patterns at home (hint: the same nervous system that earned you the promotion is the one snapping in the kitchen), why "powerful parenting" is the opposite of "power over" parenting, and what it actually feels like in your body when you parent from your prefrontal cortex instead of your amygdala. If your nervous system feels like it can hold the boardroom but not bedtime, this one is for you.What you'll learn:The one belief most of us inherited about misbehavior that keeps us locked in reactive patterns (and what to replace it with)Wendy's "closed behavior to open behavior" process — how to find the space between What it looks like to trust your kid's humanity — Wendy's "let it grow" approach Why your kids will start cooperating not because they're scared of you, but because they actually look up to youResources Mentioned:- Our First Conversation with Wendy- Wendy's Book Fresh Start for Your Family-->>> Register for The Capacity Audit free live workshop June 3rd 

In this grounding episode, Wendy sits down with her husband Terry for a conversation about the why behind Powerful Parenting. Together, they reset the table and walk through the four core pillars of the Fresh Start Family approach: paradigm shifting, healthy communication, understanding root causes, and compassionate discipline. They also share what they've seen after 15 years of using these tools in real life with their own kids. If you've ever wondered whether this work is really worth it, or what kind of long-term results it creates, this episode will remind you that peaceful, connected family life is possible. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/322⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ for more info and links.

I've been spending time in 2 Corinthians 2:14–16, where Paul says that as believers we are the aroma of Christ. It's such a beautiful and sobering picture to think about how our lives, our words, our attitudes, and even the atmosphere of our homes are meant to reflect Him. In this episode, we talk about what it means to carry the fragrance of Christ in the ordinary moments of everyday life. The hidden faithfulness, the quiet sacrifices, the ways the Lord is shaping us through our daily work, our relationships, and even the moments where we feel our need for His grace most deeply. This was such a good reminder to my own heart that the gospel is not just for the big moments of life. We need it right in the middle of our ordinary Tuesday afternoons too. I pray this episode encourages you to keep looking to Christ and to remember that the Lord is faithfully at work in all the everyday moments of life at home. Head over to ThankfulHomemaker.com for full show notes on all the links and resources mentioned in today's episode.  Homemaking Matters: Living for God's Glory in the Ordinary RELATED EPISODES: EP 161: Cultivating Biblical Hospitality in Your Home and Life EP 15: Prioritizing God's Word When Life is Busy EP 118: Cultivating Patience with One Another Homemaking Matters: Why the Work You Do at Home Matters to God RESOURCES: Join Thankful Homemaker for access to the Free Library of Resources Follow ThankfulHomemaker on Facebook, YouTube, Pinterest & Instagram Join the Thankful Homemaker Facebook Group Subscribe to the Podcast on Your Favorite App  Online Courses & Printables Thankful Homemaker Merchandise Buy Marci a Cup of Coffee xo 

Mama, there is no greater leadership position you hold than being a mom. You owe it to your children to learn to lead as well as you possibly can. There are some core principles for us as Christian moms that we should be intentional to follow. When we do, we increase the opportunity to intentionally influence our children and make a lasting impact in their lives. Listen as I walk through a few of them with you. 1. Nurture the Spiritual Growth of your Children 2. Model Christian Character to your Children 3. Make sure Your Home is a Place where Faith Grows   Key Scripture References... Proverbs 31:10-31; Ephesians 6:1-4; Titus 2:4-5; Psalm 127:3-5   Leadership is always challenging, but especially when leading the ones we treasure. Decide today that you will stop going through the motions and start being intentional about leading in a way that points your children to Jesus. Apply these Biblical principals for the Christian mom - model your faith, teach Scripture, pray fervently, love affectionately, and nurture a Christ-centered, safe home environment.  Invitation:  If you are a Christian woman who wants to lead with clarity, confidence, and biblical alignment, I invite you to check out the Called to Lead framework. Learn more here.   Your Next Step If this episode resonates and you're craving deeper clarity, confidence, and intentional growth, I would love to walk alongside you.

What if starting over as a mom wasn't a sign of failure — but the most powerful thing you could do? In this episode, Kate sits down with returning guest Wendy Snyder, Certified Positive Parenting Educator and founder of Fresh Start Family, for a raw, honest conversation about breaking generational cycles, rewriting the parenting playbook, and why humility might be your greatest superpower as a mom.From perfectionism and shame to nervous system regulation and compassionate discipline, Kate and Wendy get real about what it actually takes to show up as the parent you want to be — and why that work starts with you first.In this episode we explore:Why "starting over" in your parenting journey is a superpower, not a setback — and how humility opens the door to real changeThe difference between punishment and compassionate discipline, and how breaking the cycle of shame-based parenting shapes emotionally resilient kidsHow a dysregulated nervous system keeps moms stuck in reactive patterns — and why healing yourself is the foundation of conscious parentingThe connection between perfectionism, worth through performance, and the generational cycles we unknowingly pass on to our kidsWhy interdependence — not independence — is the goal, and how teaching kids it's safe to ask for help changes everythingWendy Snyder is a Certified Positive Parenting Educator, Family Life Coach, and founder of Fresh Start Family, where she helps families ditch fear-based discipline and raise strong, emotionally healthy kids with compassion and confidence. Through her podcast, courses, and coaching programs, she's guided thousands of parents to break painful generational cycles and create homes rooted in connection, peace, and purpose. She is the author of the upcoming book Fresh Start Your Family: Powerful Parenting to Restore Peace in Your Home. Wendy lives in Southern California with her husband Terry—her high school sweetheart—and their two kids, where they're rewriting their own family legacy, one grace-filled day at a time.Resources:Connect with Wendy onInstagram: @freshstartwendyListen to Wendy's Podcast: The Fresh Start Family ShowWendy's New Book: Fresh Start Your Family: Powerful Parenting to Restore Peace in Your HomeFree workshop for parents of strong-willed kidsListen to Wendy's other episode with KateCheck out Kate's Course Living In FlowAbout KateKate Nguy is the founder of Shee Revival and a Certified Hormone Health Practitioner and Cycle-Syncing Strategist who helps busy women in their 30s and 40s balance their hormones and reclaim their energy. Specializing in the hormonal ups and downs of midlife—from PMS and perimenopause to burnout and cortisol overload—Kate guides women to feel at home in their bodies and live in sync with their natural cycles. Through cycle syncing, hormone hacks, and nervous system regulation, Kate empowers women to rebalance their hormones, reconnect to their bodies, and revive the vibrant, grounded version of themselves underneath the overwhelm.Tune in now and join the movement toward better hormone health!Follow me @hormoneswithkate on Instagram for more insights, tips, and support!

Welcome to Decorating the Set: From Hollywood to Your Home with Beth Kushnick!  This week on Decorating the Set, Beth and Caroline open up the listener mailbag and answer your most asked questions, PLUS, a detailed section for dorm room shoppers!  Join the Decorating the Set Community by subscribing to our Official Facebook Group (https://www.facebook.com/groups/decoratingthesetpodcast)! Interact with Beth, Caroline, Producer Mike, and all of the DTS listeners! ### For over 35 years, Beth Kushnick has created character-driven settings for countless award-winning television series and feature films. As a Set Decorator, she’s composed visuals that both capture and enhance any story. Now, she wants to help you capture and enhance YOUR story. Join Beth and her co-host, Caroline Daley, each week as they go behind the scenes of Hollywood's magic, and give you approachable, yet sophisticated tips to realize the space that best expresses who you are. ### Follow Beth Kushnick on Social Media:  Instagram: @bethkushnick Twitter: @bethkushnick Website: BethKushnick.com Beth is the Decorator By Your Side and now, you can shop her Amazon Store! CLICK HERE! Follow Caroline Daley on Social Media: Twitter: @Tweet2Caroline Website: PodClubhouse.com ### Credits: “Giraffes” by Harrison Amer, licensed by Pod Clubhouse. This is an original production of Pod Clubhouse Productions, LLC. Produced, engineered and edited at Pod Clubhouse Studios. For more information, visit our Website.

What if raising kids who feel safe around money starts with healing your own story first? In this powerful conversation, Wendy sits down with Patrice Washington, author, speaker, and host of the Redefining Wealth podcast, to talk about what it really means to raise kids with peace, confidence, and trust around money. Patrice shares her incredible journey from building a seven-figure business in her 20s to losing everything during the recession, facing overwhelming medical debt, and rebuilding her life with a completely new understanding of wealth. Together, Wendy and Patrice explore how scarcity, old beliefs, and nervous system patterns shape the way we relate to money, and how we can begin passing something different down to our kids. This episode is a beautiful reminder that true wealth is about so much more than numbers, and that it's never too late to create a new legacy. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/321⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ for more info and links.

Cait's driving mission is to dispel the myth that mothers must choose between ambition and presence, and to equip modern mothers with the tools they need to build profitable businesses and rich, meaningful home lives. Through her coaching company, media platform, and soon-to-launch tech ecosystem, she equips growth-minded women with the strategy, support, and community required to scale businesses, expand wealth, and rise in their leadership, all while navigating the messy, real-life realities of raising children. Connect with Cait: https://themillionairemother.com/ Follow Cait on Instagram Join Wealthy as a Mother Bootcamp Thank you so much for being here. This podcast exists because of the women who show up for these conversations and keep coming back. It genuinely means everything.Leave a review on Apple Podcasts and you could win a free mini consult with Cody. Each month one reviewer is chosen at random. It takes about a minute and it helps Create the Space reach the women who need it most. Connect with Cody: Instagram: @spacewithcody Website: spacewithcody.com Free Resource: Ready to shift the energy of your home? Start here with Five Shifts to Improve the Energy of Your Home, a free guide from Cody. Work with Cody: Explore ways to work together at spacewithcody.com© Create the Space with Cody Maher. All rights reserved.

In Episode 129 of High Performance Parenting, Greg and Jacquie Francis break down one of the biggest reasons families struggle:

In Episode 128 of High Performance Parenting, Greg and Jacquie Francis unpack why so many families feel overwhelmed, frustrated, and out of control — even when they're trying their best.They reveal:Why chaos in the home is not randomHow getting loose with expectations creates stressWhy unclear roles lead to confusion and conflictHow inconsistency builds frustration over timeWhy even strong families can drift into chaos during busy seasonsThe difference between a discipline problem and a structure problemThey also share real-life examples from their own home — showing how quickly things can get “off track” when systems aren't maintained.

What if your reactivity isn't a failure… but a pattern your nervous system learned to keep you safe? In this powerful conversation, Wendy sits down with applied neurology and somatic practitioner, Elisabeth Kristof, to unpack why so many parents keep reacting in ways they don't want to, and why it's not their fault. They explore how trauma lives in the body as patterns, not just past events, and how your nervous system is constantly shaping your reactions before your logical brain has a chance to step in. From yelling and shutting down to overreacting or giving in, these responses often come from deeply wired survival loops. You'll also learn how emotional suppression keeps those patterns alive, and how simple, daily nervous system practices can begin to shift them. This episode is a hopeful reminder that you're not broken, you're wired, and with the right tools, you can create real, lasting change. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/320⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ for more info and links.

Alexandra Beller (MFA, CMA) is a choreographer, director, educator, and former member of the Bill T. Jones/Arnie Zane Dance Company. As Artistic Director of Alexandra Beller/Dances, she has created over 40 dance theater works internationally. Her teaching spans Princeton University, Laban Institute, and global residencies. In theater, she's worked Off-Broadway and regionally, with credits including Lincoln Center and A.R.T. Alexandra is currently writing two books: The Embodied Conductor: A Somatic Approach with Laban and Bartenieff (Release TBA 2027) and The Anatomy of Art (Bloomsbury, Fall 2026). She blends somatic practice, rigorous inquiry, and creative freedom to help artists deepen their process and unlock new possibilities. website: www.alexandrabellerdances.org and book site: https://www.anatomy-of-art.com/, but if space and format allow,    TikTok: https://www.tiktok.com/@thelabanista   YouTube: https://www.youtube.com/channel/UC8suG0TLGKqufov8IpqLrKw   LinkedIn: https://www.linkedin.com/in/alexandra-beller-0a56a57/   Instagram: https://www.instagram.com/alexandrabellerdances/   Thank you so much for being here. This podcast exists because of the women who show up for these conversations and keep coming back. It genuinely means everything.Leave a review on Apple Podcasts and you could win a free mini consult with Cody. Each month one reviewer is chosen at random. It takes about a minute and it helps Create the Space reach the women who need it most. Connect with Cody: Instagram: @spacewithcody Website: spacewithcody.com Free Resource: Ready to shift the energy of your home? Start here with Five Shifts to Improve the Energy of Your Home, a free guide from Cody. Work with Cody: Explore ways to work together at spacewithcody.com© Create the Space with Cody Maher. All rights reserved.

This week we're continuing our A Collection of Lovely Things series with a theme of Green: Home & Environment, and it's all about turning the space you already have into the retreat you've been waiting for. The episode opens with a reflection on a self-scheduled weekend retreat: a whiteboard in the dining room, a pillow nest on the couch, and the question that started it all: do you want your home to feel like a museum, a workshop, or both? From there, we dig into three ways to reimagine your space as an incubator for creativity, ideas, and mojo. No travel required. Just a willingness to break a few self-imposed house rules. In this episode: The Museum Mindset Your Home as a Workshop Move Your Damn Chair Chapters: 0:23 Introduction: The at-home retreat concept, inspired by friends and a Substack essay by Jamie Attenberg 2:55 The Museum Mindset: Think like a curator, rotate your collections, display what you love, and treat your home like a children's museum you can actually touch 6:26 Your Home as a Workshop: Break the house rules, use every room differently, reclaim the forbidden chair, and let your home become a living breathing mastermind space 9:57 Move Your Damn Chair: The simplest entry point, a literal new seat can unlock a figurative shift in perspective and spark the mojo you've been waiting for Your missions this week: Embrace the museum curator mindset: gather objects, find themes, display and rotate what you love Break one house rule: use a space differently than you normally would Move your damn chair: literally change where you sit and see what shifts If this episode gave you permission to finally inhabit your home more fully, share it with a friend who needs the nudge. And if you're enjoying the show, leave us a review. It means the world. Until next time.  Connect: Instagram @judithgaton | Substack for weekly essays

It's not good enough to “not like confrontation.” Join AMBrewster to learn how to do confrontation the right way.Truth.Love.Parent. is a podcast of Truth.Love.Family., an Evermind Ministry.Action Steps Purchase “Quit: how to stop family strife for good.” https://amzn.to/40haxLz Support our 501(c)(3) by becoming a TLP Friend! https://www.truthloveparent.com/donate.html Download the Evermind App. https://evermind.passion.io/checkout/102683 Use the promo code EVERMIND at MyPillow.com. https://www.mypillow.com/evermind  Discover the following episodes by clicking the titles or navigating to the episode in your app: Is It a Sin to Yell at Your Kids? https://www.truthloveparent.com/taking-back-the-family-blog/tlp-440-is-it-a-sin-to-yell-at-your-kids  The Spiritual Warfare in Your Home https://www.truthloveparent.com/spiritual-warfare-in-your-home.html  Asking the right questions to reveal the wrong heart https://www.truthloveparent.com/taking-back-the-family-blog/tlp-144-why-why-is-more-important-than-what-asking-the-right-questions-to-reveal-the-wrong-heart  Teach Your Children to Apologize https://www.truthloveparent.com/teach-your-children-to-apologize.html  Peaceful Parenting https://www.truthloveparent.com/peaceful-parenting-series.html  Teach Your Children to be Thankful https://www.truthloveparent.com/teach-your-children-to-be-thankful.html  Click here for Today's episode notes, resources, and transcript: https://www.truthloveparent.com/taking-back-the-family-blog/tlp-629-confrontation-done-rightLike us on Facebook: https://www.facebook.com/TruthLoveParent/Follow us on Instagram: https://www.instagram.com/truth.love.parent/Follow us on Twitter: https://twitter.com/TruthLoveParentPin us on Pinterest: https://www.pinterest.com/TruthLoveParent/Subscribe to us on YouTube: https://www.youtube.com/channel/UCTHV-6sMt4p2KVSeLD-DbcwNeed some help? Write to us at Counselor@TruthLoveParent.com.

Welcome to Decorating the Set: From Hollywood to Your Home with Beth Kushnick!  This week on Decorating the Set, Beth and Caroline sit down with actor, writer, director and producer of 2022's Forty Winks and 2025's Atrabilious, William Atticus Parker. Will is here to discuss his new movie, The Auction, which is in pre-production (and which Beth is Production Designer), and his journey to becoming a filmmaker in a changing industry. As Beth says in the interview, young filmmakers like Will give us hope for the future of the industry. Don’t miss this interview! The Interview with Will begins at Time Code: 3:37 Join the Decorating the Set Community by subscribing to our Official Facebook Group (https://www.facebook.com/groups/decoratingthesetpodcast)! Interact with Beth, Caroline, Producer Mike, and all of the DTS listeners! GUEST BIO: WILLIAM ATTICUS PARKER   William Atticus Parker is a writer, director, producer, and actor living in Brooklyn, New York. At twenty-one years old, he has already written, directed, and produced two micro-low-budget feature films. Forty Winks, starring Justin Marcel McManus and Susan Sarandon, had a successful festival run and is now streaming on Prime Video, Tubi, Roku, and more. Atrabilious, starring Leon Addison Brown, Mark Boone Junior, Jeffrey Wright, and Whoopi Goldberg, had a successful festival run and will release on Prime Video July 18th, 2025. Forty Winks was filmed in Black & White with Atrabilious drenched in a neon color palette. Despite technical and financial limitations, both films did very well with critics and audiences alike. Forty Winks was filmed in less than a week with a budget of $5,000 when he was 17 and Atrabilious was filmed in a week and a half with a budget of $20,000 when he was 18 – both films were entirely self-funded. The Auction, his upcoming third feature starring Raúl Castillo & Mary-Louise Parker, is set to take his small-scale darkly comedic thrillers to a science-fiction horror spectacle. His acting career began as a seven-frame cameo in Forty Winks. He has now taken on roles in The Gray House (directed by Roland Joffe), Obstacle (short film with Megan Boone) and Their Town (written by Mark Duplass) as well as being set to appear in The Auction. His inspirations include Jordan Peele, Ari Aster, Donald Glover, Spike Lee, Wes Anderson and Joel & Ethan Coen. Follow Will on Instagram: @riverstyxproductions ### For over 35 years, Beth Kushnick has created character-driven settings for countless award-winning television series and feature films. As a Set Decorator, she’s composed visuals that both capture and enhance any story. Now, she wants to help you capture and enhance YOUR story. Join Beth and her co-host, Caroline Daley, each week as they go behind the scenes of Hollywood's magic, and give you approachable, yet sophisticated tips to realize the space that best expresses who you are. ### Follow Beth Kushnick on Social Media:  Instagram: @bethkushnick Twitter: @bethkushnick Website: BethKushnick.com Beth is the Decorator By Your Side and now, you can shop her Amazon Store! CLICK HERE! Follow Caroline Daley on Social Media: Twitter: @Tweet2Caroline Website: PodClubhouse.com ### Credits: “Giraffes” by Harrison Amer, licensed by Pod Clubhouse. This is an original production of Pod Clubhouse Productions, LLC. Produced, engineered and edited at Pod Clubhouse Studios. For more information, visit our Website.

What if the most powerful parenting tool you had… was a pause? In this episode, Wendy dives into one of the most life-changing skills a parent can learn, how to interrupt reactive patterns in the moment and choose a different way forward. If you've ever felt yourself snap, yell, or say something you wish you could take back, this conversation will meet you with both honesty and hope. Because reactivity isn't a character flaw, it's a nervous system response. And when you learn how to work with your body instead of against it, everything begins to shift. Wendy walks you through what it actually looks like to “hit the reset button” in real time, how to create space between trigger and response, and why this one skill can transform the way your kids experience you. This is about becoming a parent who leads with intention, even in the hardest moments. ➡️ Head to ⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/318⁠⁠⁠⁠⁠⁠ for more info and links.

Oooo this is such a timely and potent episode with the light, wise and innovative Wendy Synder, Parent Coach and author of the forthcoming book Fresh Start Your FamilyPowerful Parenting to Restore Peace in Your Home. Having been in the parenting field for roughly two decades each, Wendy and I explore what it really means to parent with both firm boundaries and deep connection without falling into shame, fear, or control.We tackle the tricky balance many modern parents struggle with of how to discipline your child without yelling, how to stay connected when your nervous system is on fire, and how to raise strong, emotionally healthy kids while repeating our own old patterns with less intensity, frequency, and shame. We unpack the truth behind positive parenting vs. permissive parenting, and why the real goal is powerful, connection-based parenting where rules plus relationship equal respect (heal yes!). I share a real-life parenting moment from my own home (hello, dishwasher standoff), and we break down exactly how to move from guilt, frustration, and reactivity into grounded, authoritative leadership that actually works.We also, of course, touch on the time we're parenting in, how parenting is a spiritual practice and how it calls on every cell in our being to stretch and trust and love in a way we never have before, and we're still expanding into. Wendy. is such a kindred spirit, I know you'll love her like I did! You can access her body of work on her website: https://freshstartfamilyonline.com/ and her book releases May 26th!

If you've ever looked around your home and thought, “Where do I even start?”—this episode is going to give you a clear, doable plan. Today, I'm joined by Tracy Hoth, host of The Organized Coach Podcast, and she's walking us through her simple but powerful SPACE framework for getting your home in order. Because decluttering and organizing aren't just about bins and baskets—they're about how you think about your things. As a life coach, Tracy brings a fresh perspective to the process—helping you understand why you hold onto certain items, how to release what's no longer serving you, and how to create a home that actually supports your life today. ✨ Inside This Episode, We Cover: The SPACE method for decluttering and organizing your home: S – Sort: Separating what you have so you can see clearly P – Purge: Letting go of what no longer fits your life A – Arrange: Creating simple, functional systems C – Contain: Giving everything a defined place E – Energize: Making your space feel good to live in Why traditional organizing advice often doesn't stick How your mindset impacts what you keep (and what you don't) The emotional side of decluttering—and how to move through it Practical ways to make progress without feeling overwhelmed How to create systems that actually last ✨ Why This Matters Decluttering and organizing aren't just about having a tidy home—they're about creating a space that reflects your life, supports your routines, and feels good to be in. And when you combine decluttering, organizing, and decorating together? That's when your home truly starts to feel like you. ✨ Ready for Help with Your Home? If you're ready to stop spinning your wheels and want a clear plan to declutter, organize, and decorate your space… A Decorating SOS Call is your next step. Together, we'll walk through your home, identify what's not working, and create a step-by-step plan so you can transform your space into one you truly delight in—one that tells your story, in your style.

Welcome to Decorating the Set: From Hollywood to Your Home with Beth Kushnick!  This week on Decorating the Set, Beth and Caroline sit down with Michael Nirenberg, author of the new bestseller, Cinematic Immunity: An Oral History of New York Filmmaking As Told by the Crews that Got the Shot.  This is a MUST LISTEN TO episode for anyone that loves behind the scenes stories. Cinematic Immunity has amazing stories collected from the storied history of NY filmmaking! A big thank you to Michael for his time and sharing his work with us, he was a wonderful guest! Amazon Link to Book (https://www.amazon.com/Cinematic-Immunity-History-Filmmaking-Crews/dp/1627311718) Publisher Link to Book (https://feralhouse.com/cinematic-immunity/) The Interview with Michael begins at Time Code: 3:11 Join the Decorating the Set Community by subscribing to our Official Facebook Group (https://www.facebook.com/groups/decoratingthesetpodcast)! Interact with Beth, Caroline, Producer Mike, and all of the DTS listeners! GUEST BIO: MICHAEL NIRENBERG  Michael Lee Nirenberg is a filmmaker and writer. He has directed several music videos and the award-winning documentary Back Issues: The Hustler Magazine Story, about the history of the magazine, where his father served as creative director in the seventies and eighties. Mr. Nirenberg has also written for several well-known magazines and websites. Since 2006, he has worked as a freelance scenic artist on countless mainstream movies and television shows you've seen. His blog about the environment and climate change can be found at againstnature.org, which he plans to get back to when this book is done. His first book Earth A.D.: The Poisoning of the American Landscape and the Communities That Fought Back was released in July 2020. He has directed music videos and the award-winning documentary Back Issues: The Hustler Magazine Story. Mr. Nirenberg has contributed to national magazines and websites. Since 2006, he has worked as a scenic artist in IATSE local 829. Follow Michael on Instagram: @nirenberg.v2 ABOUT CINEMATIC IMMUNITY: Cinematic Immunity tells the story of New York City's movie industry from the crew members who created the sets, lit the scenes, and shot the film. Focused on the golden age (1950-1990) of New York filmmaking, Cinematic Immunity covers On the Waterfront through The Sopranos. The East Coast film industry, thousands of miles from the Los Angeles executives, existed by its own rules and with little oversight. It was a close-knit and freewheeling community of movie technicians that took on the most outrageous challenges to get the shot.  Readers will hear the unvarnished truth of the New York movie industry—tales about union politics, studio bullshit, movie families, dangerous locations, complex shots, volatile directors, plus anecdotes about actors, pranks, friendships, rivalries, generational shifts, substance use and abuse, technical feats, and more. Includes stories about classic (and not so classic) films and television shows including: Midnight Cowboy, The Warriors, The French Connection, The Exorcist, The Godfather, The Wiz, The Taking of Pelham 123, Annie Hall, Cruising, Do The Right Thing, When Harry Met Sally, Home Alone 2, The Sopranos, and Law and Order. ### For over 35 years, Beth Kushnick has created character-driven settings for countless award-winning television series and feature films. As a Set Decorator, she’s composed visuals that both capture and enhance any story. Now, she wants to help you capture and enhance YOUR story. Join Beth and her co-host, Caroline Daley, each week as they go behind the scenes of Hollywood's magic, and give you approachable, yet sophisticated tips to realize the space that best expresses who you are. ### Follow Beth Kushnick on Social Media:  Instagram: @bethkushnick Twitter: @bethkushnick Website: BethKushnick.com Beth is the Decorator By Your Side and now, you can shop her Amazon Store! CLICK HERE! Follow Caroline Daley on Social Media: Twitter: @Tweet2Caroline Website: PodClubhouse.com ### Credits: “Giraffes” by Harrison Amer, licensed by Pod Clubhouse. This is an original production of Pod Clubhouse Productions, LLC. Produced, engineered and edited at Pod Clubhouse Studios. For more information, visit our Website.

Is your strong-willed child really “difficult”… or are they wired to lead? In this episode, Wendy and Terry continue walking through her upcoming book Fresh Start Your Family and unpack one of the most powerful paradigm shifts in parenting: seeing strong-willed kids as leaders in the making, not problems to fix. They talk about: Why culture praises “meek and mild” kids The difference between a true strong-willed child and a temporary power surge stage Why breaking a child's will harms their spirit How to mentor strength with firm-and-kind leadership Through personal stories from raising their daughter Stella, Wendy and Terry show how the very traits that feel exhausting in toddlerhood often become courage, grit, and conviction in adulthood. If you're parenting a child who pushes back, questions authority, or refuses to fold, this episode will help you reframe defiance as potential and raise your “cactus kid” with connection, confidence, and integrity. ➡️ Head to ⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/318⁠⁠⁠⁠⁠ for more info and links.

About Haley Smith: Haley's mission is to empower women overlooked by the traditional healthcare system with body literacy and personalized functional fertility support that works. By understanding your menstrual cycle as a health assessment tool and combining it with top of the line functional lab work, Haley has helped hundreds of women find their answers to sub-fertility and carry healthy pregnancies to term. Haley is a Functional Nutritionist and FAM Certified with a Master's Degree in Nutrition from the National University of Natural Medicine. Connect with Haley: The Holistic Fertility Clinic —  Haley on Instagram and TikTok — @haleysmith.hfc  Book a Free Discovery Call with Haley —      Thank you so much for being here. This podcast exists because of the women who show up for these conversations and keep coming back. It genuinely means everything.Leave a review on Apple Podcasts and you could win a free mini consult with Cody. Each month one reviewer is chosen at random. It takes about a minute and it helps Create the Space reach the women who need it most. Connect with Cody: Instagram: @spacewithcody Website: spacewithcody.com Free Resource: Ready to shift the energy of your home? Start here with Five Shifts to Improve the Energy of Your Home, a free guide from Cody. Work with Cody: Explore ways to work together at spacewithcody.com© Create the Space with Cody Maher. All rights reserved.

Parenting was never meant to feel like a constant battlefield. If you've ever found yourself caught in a cycle of yelling, power struggles, and late-night guilt—wondering why the "hand-me-down" parenting tactics of the past aren't working—this conversation is the "exhale" you've been looking for. In this episode, we sit down with Wendy Snyder, founder of Fresh Start Family and author of the highly anticipated new book, Fresh Start Your Family: Powerful Parenting to Restore Peace in Your Home. Wendy joins us to discuss how we can move away from fear-based, patriarchal control models and toward a family culture rooted in mutual respect, emotional safety, and deep connection

If you've ever felt overwhelmed just looking around your home…this episode is for you. We're kicking off a 3-part Spring Cleaning Series with the most important first step: decluttering. Because before you organize or deep clean, you need to clear the excess. And if you've ever struggled to get started—or felt stuck halfway through—it's not because you're lazy or unmotivated. There's actually a reason clutter feels so heavy. In this episode, I'm joined by guest expert Emily McDermott, and we're diving into the science behind clutter—including how it can increase cortisol levels and contribute to stress, overwhelm, and decision fatigue. But more importantly, we're giving you a simple, realistic way to move forward. ✨ Inside This Episode, We Cover: Why clutter impacts your mental load (and what's happening in your brain) Where to start when everything feels overwhelming Practical, doable steps to begin decluttering your home Common mistakes to avoid (that keep you stuck) How to work through emotional clutter (the things that are hard to let go of) What aspirational clutter is—and why it's keeping you from a home that actually works for your life How to make progress without needing hours of uninterrupted time ✨ Why This Matters Decluttering isn't just about getting rid of things—it's about creating space. Space to think clearly. Space to breathe. Space to actually enjoy your home again. And when you start here, everything else—organizing, decorating, cleaning—becomes easier and more effective. ✨ What's Next in the Series This episode is part one of our Spring Cleaning Series: Decluttering (this episode) Organization (coming next) Cleaning hacks and tips JOIN The Spring Cleaning Challenge...starting Monday, April 13th Make sure to follow along so you can move through each step with clarity and confidence. ✨ Ready for Help with Your Home?  If you're feeling stuck—not just with clutter, but with how your home looks and functions as a whole— A Decorating SOS Call is your next step. Together, we'll look at your space, identify what's not working (from clutter to layout to design), and create a clear, step-by-step plan so you can move forward with confidence. Book your call here: https://www.figandfarmathome.com/decorating-sos    // Links Mentioned in Show: // Email: figandfarmathome@gmail.com Website: www.figandfarmathome.com Instagram: https://www.instagram.com/figandfarm/ Connect with Emily: Email: info@simplebyemmy.com Website: www.simplebyemmy.com Podcast: https://podcasts.apple.com/us/podcast/moms-overcoming-overwhelm-decluttering-decluttering/id1645070363 Instagram: https://www.instagram.com/simplebyemmy/

I had a conversation with a friend who was going to be gone for a period of time, and her goal is to make it as easy as possible for her home to stay under control while she's not there. I loved what she said, and it makes me think about how it should always […] The post 505: Hotelify – Making it Easier for the Others in Your Home to Keep it Neat appeared first on Dana K. White: A Slob Comes Clean.

Welcome to Decorating the Set: From Hollywood to Your Home with Beth Kushnick!  This week on Decorating the Set, Beth and Caroline deep dive into 2026’s Trends in Home Decor! From the hottest paint colors to hand forged black iron accents, Beth and Caroline cover it all! Join the Decorating the Set Community by subscribing to our Official Facebook Group (https://www.facebook.com/groups/decoratingthesetpodcast)! Interact with Beth, Caroline, Producer Mike, and all of the DTS listeners! ### For over 35 years, Beth Kushnick has created character-driven settings for countless award-winning television series and feature films. As a Set Decorator, she’s composed visuals that both capture and enhance any story. Now, she wants to help you capture and enhance YOUR story. Join Beth and her co-host, Caroline Daley, each week as they go behind the scenes of Hollywood's magic, and give you approachable, yet sophisticated tips to realize the space that best expresses who you are. ### Follow Beth Kushnick on Social Media:  Instagram: @bethkushnick Twitter: @bethkushnick Website: BethKushnick.com Beth is the Decorator By Your Side and now, you can shop her Amazon Store! CLICK HERE! Follow Caroline Daley on Social Media: Twitter: @Tweet2Caroline Website: PodClubhouse.com ### Credits: “Giraffes” by Harrison Amer, licensed by Pod Clubhouse. This is an original production of Pod Clubhouse Productions, LLC. Produced, engineered and edited at Pod Clubhouse Studios. For more information, visit our Website.

What if the story you were told about sin… isn't the whole story? In this deeply freeing conversation, Wendy sits down with author and faith leader Meredith Miller to explore one of the most tender, loaded questions many parents carry… Are kids born bad? Together, they unpack how traditional teachings around original sin and total depravity have shaped generations of parenting… and how we can choose a different path rooted in truth, compassion, and connection. This episode is an invitation to breathe again. To release fear. To trust what your heart has always known about your child… and yourself. If you've ever wrestled with faith, parenting, shame, or the desire to raise kids who feel safe in their goodness… this conversation will meet you right where you are. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/317⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠ for more info and links.

In this episode, Dana sits down with Wendy Snyder to talk about her new book, Fresh Start Your Family: Powerful Parenting to Restore Peace in Your Home, and the deeper truth behind raising strong-willed kids. This conversation goes far beyond parenting tactics. Dana and Wendy unpack the connection between shame, perfectionism, nervous system regulation, emotional literacy, and the invisible burden so many moms carry when they feel responsible for fixing everything. They talk about why the traits we're taught to tone down in ourselves and our kids are often the very things that make us powerful, resilient, and uniquely suited for the lives we're meant to live. In this episode, they discuss: why strong-willed kids are not a problem to solve how shame gets passed down through parenting systems the connection between perfectionism and control why play, curiosity, and emotional honesty matter so much how to help kids learn peaceful conflict resolution what moms can let go of so they stop carrying the weight of everything Connect with Wendy: Book: Fresh Start Your Family — FreshStartFamilyOnline.com/pre-order Podcast: Fresh Start Family Show Instagram: @freshstartwendy Free Strong-Willed Kids Learning Bundle: FreshStartFamilyOnline.com/secrets

In this powerful conversation, Wendy sits down with Allison Rose to talk about what it really looks like to break generational cycles, heal from fear-based parenting, and create a more connected home. Allison shares how Fresh Start Family helped her move out of reactivity, pressure, and survival mode, especially while navigating chronic illness, financial stress, and parenting three young kids. Together, Wendy and Allison explore how nervous system healing, compassionate discipline, and learning to trust your inner voice can transform not just your parenting, but your whole life. They also talk about faith deconstruction, healing from high-control religious environments, and why choosing connection over control changes everything. If you've ever known the old way isn't working, but needed hope that a new way is possible, this episode will meet you right where you are. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/316⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠ for more info and links.

In this episode, I'm sitting down with the incredible Wendy Snyder of Fresh Start Family — and this conversation is good. We're talking about breaking painful generational cycles, the power of humility as a parenting superpower, and why releasing control actually works better in the teen years. Wendy shares her raw, honest journey from overwhelmed mom to leading educator, and we get into the real stuff: shame, nervous system patterns, and what a fresh start actually looks like when things have already gotten hard. Guest Bio: Wendy Snyder is a certified positive parenting educator, family life coach, and founder of Fresh Start Family. Through her podcast, courses, and coaching programs, she's helped thousands of parents ditch fear-based discipline and raise emotionally healthy kids. She is the author of Fresh Start Your Family: Powerful Parenting to Restore Peace in Your Home, releasing May 19, 2026. For more info and show notes go to: https://www.besproutable.com/podcasts/eps-648-parenting-with-humility-and-breaking-cycles-with-wendy-snyder/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

God has a gorgeous future for your family, but you'll never reach it later if you're not pursuing it now. Join AMBrewster to discuss the consummation of the biblical family. Truth.Love.Parent. is a podcast of Truth.Love.Family., an Evermind Ministry.Action Steps Purchase “Quit: how to stop family strife for good.” https://amzn.to/40haxLz Support our 501(c)(3) by becoming a TLP Friend! https://www.truthloveparent.com/donate.html Download the Evermind App. https://evermind.passion.io/checkout/102683 Use the promo code EVERMIND at MyPillow.com. https://www.mypillow.com/evermind  Discover the following episodes by clicking the titles or navigating to the episode in your app: The Family Love Series https://www.truthloveparent.com/the-four-family-loves-series.html  The Merest Christianity https://www.truthloveparent.com/the-merest-christianity-series.html  Grow Your Worship https://www.truthloveparent.com/grow-your-worship-series.html  The Spiritual Warfare in Your Home https://www.truthloveparent.com/spiritual-warfare-in-your-home.html  Click here for Today's episode notes, resources, and transcript: https://www.truthloveparent.com/taking-back-the-family-blog/tlp-625-biblical-families-part-13-the-consummation Download the Evermind App! https://evermind.passion.io/checkout/102683Like us on Facebook: https://www.facebook.com/TruthLoveParent/Follow us on Instagram: https://www.instagram.com/truth.love.parent/Follow us on Twitter: https://twitter.com/TruthLoveParentFollow AMBrewster on Facebook: https://fb.me/TheAMBrewsterFollow AMBrewster on Instagram: https://www.instagram.com/thebrewsterhome/Follow AMBrewster on Twitter: https://twitter.com/AMBrewsterPin us on Pinterest: https://www.pinterest.com/TruthLoveParent/Subscribe to us on YouTube: https://www.youtube.com/channel/UCTHV-6sMt4p2KVSeLD-DbcwClick here for more of our social media accounts: https://www.truthloveparent.com/presskit.htmlNeed some help? Write to us at Counselor@TruthLoveParent.com.

In this heartfelt solo episode, Wendy shares what she's been releasing in this Easter season, especially the lifelong pull of people-pleasing, shame, and trying to make everyone happy. She opens up about the deeper growth work that's come with writing her new book, Fresh Start Your Family, and why this season has invited her to care more about what God thinks, what her own heart knows, and less about outside approval. Wendy also reflects on what's giving her hope in a heavy and heartbreaking time. From powerful insights she received at a recent leadership retreat, to the work of humanitarian Lynn Twist, Sarah Bessey, Sharon McMahon, and Dr. Shefali, this episode explores what it means to stay awake, use your voice, and keep choosing integrity, courage, and compassionate leadership, especially when the world feels dark. This is a deeply personal conversation about rebirth, healing, faith, democratic parenting, and why the way we raise children truly does shape the future of humanity. ➡️ Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.freshstartfamilyonline.com/315⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ for more info and links.

TWS News 1: Worst Person to Sit Beside – 00:26 # Your Weekend – 4:31 Africa Game – 8:58 TWS News 2: Airport Wait Time – 13:43 Lyrical Sign for Your Home – 17:28 TWS News 3: Dementia Glasses – 23:50 What You Learned from YouTube – 26:55 Monday School: Resur-egg-tion – 31:37 Rock Report: Lose Interest Actors – 34:09 Boss Queen – 37:02 Good News Giddy Up – 42:52 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.