Michael Sonninfeld is back with us now. Michael, it's good to have you on. This is a stock market that not the last couple days, but really keeps going up.Are we seeing any more love from your members about stocks or is it still really about real estate. >> Actually, they just pulled back a couple points in the last quarter from the stock market and from real estate. still strong in private equity, but for the first time cash is coming up a little, fixed income is coming up a little and uh gold and bitcoin. ...

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Core Message - The talk emphasizes taking responsibility and being proactive in addressing problems, rather than remaining passive or blaming external factors [10][14][18] - It highlights the importance of constructiveness and a focused approach when pursuing change, whether in startups, communities, or other endeavors [21][22] - The speaker shares a personal journey of realizing the need to contribute to positive change and overcoming feelings of hopelessness [8][9][14] Key Attributes for Positive Change - Three types of people exist: those who create problems, those who maintain the status quo, and those who actively improve situations [15][16][17] - Performers take responsibility and improve situations, demonstrating commitment [17] - Constructiveness is essential for being an agent of change; negativity hinders progress [21] Focus and Determination - Laser focus is crucial when embarking on a journey of change; avoid divided attention and side objectives [22][23] - Clarity and thoughtfulness are needed to ensure every action contributes to the overall goal [23] Overcoming Challenges - Individuals should not feel alone in facing challenges; historical figures and prophets faced even greater obstacles [19] - Repelling negativity and promoting constructiveness are vital for those driving positive change [21]

Personal Finance & Investment Strategies - Prioritizing financial growth is crucial for individuals [1] - Avoiding unnecessary expenses, such as spending $28 on lunch, is important [2] - The mistake that people make is they buy too much house [3] - Marriages can survive infidelity, they can't survive financial stress [3] - Following a specific financial strategy can lead to accumulating over $1.5 million [3] Home Ownership - Mortgage and home maintenance costs should not exceed one-third of income [3] Entrepreneurship - Only about 33% of people possess the necessary traits to become successful entrepreneurs [4]