Life After Debt – Rob Kosberg

There are few things that cause us worry and anxiety like financial issues. If you’re going through a financial crisis, job loss, or credit issue then you’re also dealing with elevated levels of stress and worry. Jesus said in John 16:33 That In this world we would have trouble, but take heart for I have overcome the world. Could … Read more about this episode...

We often focus all our attention on the external. Is the economy good or bad. Is real estate going to go up in value or down. Where should I invest my money – or what things do I need to learn about the fill in the blank (stock market, REITs, IRA’s – the list is endless) to be successful. You … Read more about this episode...

We live in a very affluent country but wealth alone cannot keep you from difficult times and tragedy. Financial difficulty is rampant with more people on welfare and food stamps than ever before in our history. In fact, really no one on this planet is immune from pain and difficulty. Golda Meir once said, “Those who do not know how … Read more about this episode...

I speak to people everyday in various forms of financial stability, some strong and getting stronger, some buried and going deeper in the hole. At some point almost every one of them will ask me what their situation or the solution will do to there credit score. Somehow that little number has captured the hearts and minds of us … Read more about this episode...

In my career I’ve been blessed to work with both poor and rich alike – and even extreme wealth and poverty. I’ve seen people lose millions from the abundance they were given and I’ve seen people earn millions from complete poverty. It all comes down to how they managed the resources they were given. Most of us fall somewhere in … Read more about this episode...

We are now more than 5 years past the beginning of the great recession. In many ways things are as good as ever. Interest rates are near record lows, home values are starting to increase, the stock market is breaking records and unemployment is getting better and better. If that is the case then WHY do many people still FEEL … Read more about this episode...

Right now the largest generation in history is reaching retirement age. In fact, around 10,000 people every single day are retiring and unfortunately many of them are ill prepared. Statistically of every 100 people retiring only about 5 of them will have adequate funds saved for living – these are frightening numbers. Add to that the turbulent times we live … Read more about this episode...

These are crazy times to be interested in real estate. Talk to one person and she’ll tell you the sky is (still) falling talk to another and he’ll tell you we are in the greatest time of opportunity in the last 50 years. Rates are great but perhaps moving up. People are still edgy over real estate values after the … Read more about this episode...

Life is a journey and we will all face many difficulties along our individual journeys. We will know both joy and sadness. We will all have times of plenty and times of want. If you are currently facing a financial crisis there are 2 things to be aware of. First, this wont last forever – life has seasons and spring … Read more about this episode...

Security is a funny thing. In many ways it is all just an illusion. We can do everything right and still walk out the front door and get hit by a bus. Not very encouraging I know. Anyway, while that may be true we still have a responsibility to take our financial future into our own hands and make it … Read more about this episode...

I love this country, and I love many, many things about capitalism. I love that a poor man or woman who has ambition, desire and is willing to work hard can get an education and/or build a business and wealth in one generation that changes the future for their children and their children’s children. I love that about our country … Read more about this episode...

In 2007 we watched powerlessly as our financial markets crumbled and real estate values fell. Trillions in equity vanished almost overnight and many with hundreds of thousands of dollars in equity suddenly found themselves upside down and unable to get a new mortgage. Todays mortgage environment is radically different then it was in the early 2000’s. Qualifying for a mortgage … Read more about this episode...

We are living in the most turbulent economic times of the past 100 years. Incredible wealth is being built both online and offline with new and old technologies. Yet, we’ve seen wild fluctuations in the financial markets. Real estate dropped more than 60% in certain regions, The stock market dropped 50% and now is at all time highs. There has … Read more about this episode...

We live in the greatest country on the face of the earth but more and more we have things to be very concerned about. In the past immigrants flocked here from all over the world believing that America was the land of opportunity and freedom. The opportunity to move up from one socio-economic class to another and the freedom to … Read more about this episode...

The federal government administers about 80 different overlapping means tested welfare programs with over 100 million welfare recipients. During the economic crisis of the last few years these numbers have increased at an alarming and unsustainable rate. We call them entitlement programs but is entitlement really a program or is it first an attitude or spirit. Does it start with … Read more about this episode...

Education and student loans are BIG business. Total student loans in the US have tripled in the last 8 years alone as students and parents have stuggled with the burden of ever increasing tuition. I’ve seen person after person struggling to pay their student loans, some of them saddled with a 6 figure debt and unfortunately many of them not … Read more about this episode...

Whether we recognize it or not we all have what I like to call a financial bend regarding money and our relationship to it. Perhaps it was caused by you watching mom and dad argue over money or maybe you are a child of divorce caused by financial hardship. How many moms or dads are single parents and not able … Read more about this episode...

You’re hearing a lot of good news these days about the real estate market. Increases in the Case-Shiller index of values. Decreases in home inventory. Everything seems to moving in the right direction. Have you wondered though how we can be having record foreclosures year after year and the housing inventory is decreasing and the prices are increasing? On the … Read more about this episode...

There’s been a lot of talk over the last few years about the 1% and “paying your fair share” to somehow create an even playing field but really these topics are nothing new. Thousands of years ago the scriptures taught about the practices of the wealthy versus the practices of the poor. I firmly believe that our finances are completely … Read more about this episode...

The United States of America is collectively the richest country in the the world. In fact, it is the richest country in the history of the world. Yet financial trouble is an ever present danger in our personal lives – wreaking havoc on families and relationships. Financial crisis is the leading cause of divorce in this country – if we’re … Read more about this episode...

Our country is deep in debt and going further and further into the hole. Our deficit is roughly $1 trillion per year and more. We hear that the government wants to cut costs but honestly no one really has the political will to do that. It seems the bill is eventually going to fall to us and to our children. … Read more about this episode...

They say the next shoe to drop is going to be the out of control student loan debt in this country. Having 2 kids in college myself, I can tell you that the cost of tuition and housing has increased exponentially since I was in college. In fact the cost of college tuition is currently doubling every 9 years. Join … Read more about this episode...

The Real estate meltdown combined with the mortgage and debt crisis was BIG news a few years ago but things have gotten really quiet recently. We’ve had some good news – low interest rates have helped spur growth in real estate values for the first time in over 5 years. This is not the whole story though. Insiders will tell … Read more about this episode...

As the US government readies itself AGAIN to raise the its debt ceiling average Americans are struggling to find jobs and make ends meet. Since the near collapse of the financial markets credit is harder than ever to obtain and perhaps that is the silver lining in the cloud of the great recession. Join us as we speak with Marc … Read more about this episode...