Podcast appearances and mentions of Dave Ramsey

This week Don tackles seven excellent listener questions covering everything from credit cards and emerging markets to covered-call ETFs, annuities, retirement buckets, and whether investors should worry about new additions to stock indexes.00:51 Summer surge in listener questions01:15 LitReading success and thanks02:01 Are credit cards really evil?05:09 Emerging markets inside international funds07:44 Paying kids for chores to fund Roth IRAs10:58 Covered-call ETFs (JEPI and others)15:47 Helping a friend avoid an expensive annuity19:40 Should index investors worry about SpaceX?21:38 Bucket strategy and retirement portfoliosQuestions? Comments? Click!

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Ryan thinks. Here's what we discuss in this episode:

Send us Fan MailNeither Amanda nor I had any formal business training when we decided to open a medical practice. We had backgrounds in medicine, a young family, and plenty of lessons we would have to learn the hard way.So in this second episode of our business series, Amanda and I are sharing how the decisions we made years before opening Trillium helped make it possible. We talk about living below our means, our early Dave Ramsey envelope system, the $4,000 furniture purchase that became an unexpected lesson in taxes, and why we chose to start small and open the practice without debt.We also discuss leaving Houston, moving closer to family in Knoxville, the mistakes we made while building the business, and why we both wish we had asked more questions and sought out experienced mentors sooner.Finally, we answer one of the questions we hear most often: Is working together harder on the business—or on the marriage?

✈️ Retire Pilots the Right Way!

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Phil thinks.   Here's some of what we discuss in this episode: ⚖️ Rate Debate: Comparing two very different approaches

Buying a house in 2026 is more challenging than ever—but how much income do you actually need? Brian and Rebie compare The Money Guy's home buying rule against Dave Ramsey's mortgage guideline using real-world numbers at every major price point. Learn how mortgage length, housing costs, down payments, affordability, and income requirements impact one of the biggest financial decisions you'll ever make. Whether you're a first-time homebuyer, deciding between renting vs. buying, or planning your next move, this breakdown explains the math behind smart homeownership without the hype. You'll also see why home affordability has changed dramatically, how mortgage payments compare across different price ranges, and why buying a home isn't just a math equation. We'll also show you our Home Buying Calculator so you can customize the numbers for your own financial situation. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the 1800s, the smartest financial advice your grandparents could receive was: don't save money, because it will probably go to zero. Stocks were considered scams. Real estate was the only real path to wealth. Crypto isn't the future, it's a replay of something that happened dozens of times before the Civil War. Dr. Joseph Moore is a historian, a New York Times bestselling author, and someone who has spent his career proving that what always worked was always changing. His book is How to Get Rich in American History, and this conversation will make you rethink at least three things you currently believe about money.What You'll Walk Away WithWhy grandparents in the 1800s told their grandchildren never to save money -- and why that advice was completely rational at the timeThe crypto-as-past argument: why self-issued currencies have existed since before the Civil War, why they all eventually went to zero, and what the one thing is that actually made the US dollar trustworthyWhy stocks beating bonds in the long run is only true since World War II -- and what that means for treating any historical financial truth as permanentThe go-ahead philosophy: why Americans used to define success as actively moving forward rather than passively not falling behind -- and why that shift in language reveals something importantWhy financial gurus get a worse reputation than they deserve -- and the German economist's study that showed Dave Ramsey alone has saved the US economy the GDP of a mid-sized nation stateThe FIRE movement isn't new: the original four-hour workday, a man with Ten Acres Enough in 1850s New Jersey, and what the Nearings' Vermont maple farm story actually teaches about the selling of early retirementFast time versus slow time: why the financial media is paid to tell you it's always fast time, why it's almost never fast time, and how to know the difference when it actually mattersWhy the 4% rule and the safe withdrawal rate are research findings worth knowing -- and exactly why building a 30-year financial plan around a fixed number is still a mistakeFive first-half 2026 lessons from the Stacking Benjamins mentor vault: creativity, adversity, mistakes, the go-ahead mindset, and compoundingThe compounding belief problem: why OG's framework for trusting the math you've already lived is the most underrated motivational tool in personal financeWhy This Matters NowEvery financial truth that feels permanent right now -- index funds always win, real estate always appreciates, crypto is either the future or a scam -- is newer than you think and more conditional than it sounds. The investors who build real flexibility into their plans are the ones who survive when the conditions change. And the conditions always change.From the BasementDr. Joseph Moore joins Joe and OG to pick fights with crypto, passive income, real estate mythology, Napoleon Hill, and the entire academic finance establishment -- while making the case that financial gurus, properly understood, have done more measurable good for American wealth than all the finance professors combined. OG is in Colorado acclimating for a bicycle climb that has Doug genuinely concerned about whether a financial co-host counts as a dependent. Doug arrives with trivia tied to today's birthday that connects Nintendo's origins to something nobody expected. Five mentor highlights from the first half of 2026 close the episode -- including clips from George Newman on creativity, Jim Murphy on adversity, Bola Sokunbi on surviving a very expensive rollover mistake, Beth Kobliner on why young people are gambling instead of saving, and Cody Berman on the compounding moment that changes everything.Resources MentionedHow to Get Rich in American History by Dr. Joseph Moore -- New York Times bestseller; available at bookstores and on Amazon; josephmoore.comInner Excellence by Jim Murphy -- referenced for mental strength and adversity; available wherever books are soldClever Girl Finance -- Bola Sokunbi; clevergirlfinance.comAfford Anything podcast -- Paula Pant; referenced in first-half mentor recapRetire by 30 by Cody Berman -- retireby30book.comGet a Financial Life by Beth Kobliner -- referenced in first-half mentor recapStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; write Joe at joe@stackingbenjamins.com with your favorite first-half lessonStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discussion of Dave Ramsey's 8% rule.  He does not understand basic manth or variability.Also,Should you help your kids with 529 (college plans) or 530A (child savings accounts).

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat do you do when your business is profitable on paper, but payroll, taxes, and contractor payments are due before the cash actually hits your account?A cash flow crunch can make even a successful business feel unstable. You may have strong revenue, promising deals, and money on the way—but if the timing is off, your emergency fund is not prepared, the pressure can quickly turn into sleepless nights and reactive decisions. In this episode, Kyle Pearce and Jon Orr unpack why profitability and solvency are not the same thing, and how Canadian business owners can build systems and tools, and better emergency funds that help them handle cash gaps without panic.You'll walk away with:A clearer understanding of why cash flow crunches happen, even in profitable businesses.A smarter way to think about your emergency fund or “wealth reservoir” so cash is not just sitting idle.Practical insight into how business owners can use structured reserves, policy loans, and strategic planning to keep operations moving while still building long-term wealth.Press play now to learn how to stop fearing the cash flow crunch and start building a system that keeps your business steady when timing gets tight.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, a strong Canadian wealth plan starts with understanding the difference between profit and cash flow. Even when business growth looks healthy on paper, a cash flow crunch can expose weak cash management, gaps in business finance, and the need for better financial systems. This episode explores how a wealth reservoir can function like a more strategic emergency fund, helping business owners manage payroll, taxes, contractors, and other obligations without derailing long-term financial planning. By building financial systems for entrepreneurs, using corporate wealth planning, considering tax-efficient investing, and aligning personal vs corporate tax planning, business owners can create a stronger business strategy that supports financial freedom Canada, financial independence Canada, passive income planning, legacy planning Canada, and building long-term wealth Canada. Whether you are thinking about salary vs dividends Canada, RRSP optimization, corporation investment strategies, real estate investing Canada, financial buckets, capital gains strategy, estate planning Canada, or an early retirement strategy, the key is to create a flexible investment bucket strategy that supports both modest lifestyle wealth today and long-term wealth building strategies Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Don't Miss Out: Join the Conversation at 303-477-5600 or text to 307-200-8222. Monday - Friday from 3 pm - 6 pm MT. https://RushToReason.com HOUR 1 Unlocking Your Financial Future: The Truth About Loans, Housing, and Wealth in America. Kick off the week with John Rush as he dives deep into the hottest money issues shaping your life. Discover what Washington's financial scandals mean for your wallet and why the latest student loan changes could rewrite the rules for millions. Hear SoFi's Brian Walsh reveal the smart money moves—student loans, credit cards, refinancing, and budgeting—that could transform your family's future. Get the inside scoop on Columbia Sportswear's viral marketing surprise, then uncover the truth behind the federal housing bill—is it a real fix or just more political theater? John breaks down why mortgage rates, not empty promises, will decide your shot at homeownership. Wrap up the hour with John's bold take on Dave Ramsey's philosophy. Learn how to spot good debt from bad, and why the smartest choices today can secure your financial freedom tomorrow. Timestamps 1:09 — Dave Bancroft — https://www.veteranwindowsdoors.com/ 28:52 — Brian Walsh — https://www.sofi.com/ HOUR 2 Inside the $9.6 Billion NFL Bombshell—and the Real Game Behind the Headlines. John Rush and his son Richard break down the wildest sports news you can't afford to miss. From Team USA's World Cup heartbreak to FIFA's scandals, they reveal how a jaw-dropping $9.6 billion Seahawks sale could shake up the Broncos and the entire NFL. Get the inside word on the 2026 Toyota RAV4 Hybrid—efficiency, style, and value—plus a lively debate about what makes NASCAR and Formula 1 so addictive. Then, John takes on Colorado's political battlefield, exposing the real numbers behind the Republican race and daring listeners to rethink their election strategies. Don't miss the preview of Alvin Lui's upcoming appearance and a final chance to call in with your take. Catch the full RAV4 review and more surprises along the way. Timestamps 1:11 — Richard Rush — Sports & Automotive Contributor 14:32 — 2026 Toyota RAV4 Limited Hybrid AWD HOUR 3 Debunking Viral Myths—And the Truth About Raising a Resilient Generation. John Rush kicks off the hour with Dr. Josh McConkie, busting viral rumors about Lindsey Graham and Mitch McConnell. Discover why social media makes it so easy to believe the unbelievable—and how to protect yourself from falling for fake news. John returns to Colorado politics with a hard-hitting look at the Republican race—and takes your calls on what's really at stake. Then, Alvin Lui joins for a no-holds-barred conversation on education, parental rights, and the tough truths about building wealth and character in today's America. John wraps up by urging listeners to tune out the noise, take charge of their futures, and get ready for tomorrow's deep dive into Colorado's political scene. Timestamps 1:08 — Dr. Josh McConkie — https://www.joshmcconkey.com/ 28:26 — Alvin Lui — https://courageisahabit.org/

Don't Miss Out: Join the Conversation at 303-477-5600 or text to 307-200-8222. Monday - Friday from 3 pm - 6 pm MT. https://RushToReason.com HOUR 1 Unlocking Your Financial Future: The Truth About Loans, Housing, and Wealth in America. Kick off the week with John Rush as he dives deep into the hottest money issues shaping your life. Discover what Washington's financial scandals mean for your wallet and why the latest student loan changes could rewrite the rules for millions. Hear SoFi's Brian Walsh reveal the smart money moves—student loans, credit cards, refinancing, and budgeting—that could transform your family's future. Get the inside scoop on Columbia Sportswear's viral marketing surprise, then uncover the truth behind the federal housing bill—is it a real fix or just more political theater? John breaks down why mortgage rates, not empty promises, will decide your shot at homeownership. Wrap up the hour with John's bold take on Dave Ramsey's philosophy. Learn how to spot good debt from bad, and why the smartest choices today can secure your financial freedom tomorrow. Timestamps 1:09 — Dave Bancroft — https://www.veteranwindowsdoors.com/ 28:52 — Brian Walsh — https://www.sofi.com/ HOUR 2 Inside the $9.6 Billion NFL Bombshell—and the Real Game Behind the Headlines. John Rush and his son Richard break down the wildest sports news you can't afford to miss. From Team USA's World Cup heartbreak to FIFA's scandals, they reveal how a jaw-dropping $9.6 billion Seahawks sale could shake up the Broncos and the entire NFL. Get the inside word on the 2026 Toyota RAV4 Hybrid—efficiency, style, and value—plus a lively debate about what makes NASCAR and Formula 1 so addictive. Then, John takes on Colorado's political battlefield, exposing the real numbers behind the Republican race and daring listeners to rethink their election strategies. Don't miss the preview of Alvin Lui's upcoming appearance and a final chance to call in with your take. Catch the full RAV4 review and more surprises along the way. Timestamps 1:11 — Richard Rush — Sports & Automotive Contributor 14:32 — 2026 Toyota RAV4 Limited Hybrid AWD HOUR 3 Debunking Viral Myths—And the Truth About Raising a Resilient Generation. John Rush kicks off the hour with Dr. Josh McConkie, busting viral rumors about Lindsey Graham and Mitch McConnell. Discover why social media makes it so easy to believe the unbelievable—and how to protect yourself from falling for fake news. John returns to Colorado politics with a hard-hitting look at the Republican race—and takes your calls on what's really at stake. Then, Alvin Lui joins for a no-holds-barred conversation on education, parental rights, and the tough truths about building wealth and character in today's America. John wraps up by urging listeners to tune out the noise, take charge of their futures, and get ready for tomorrow's deep dive into Colorado's political scene. Timestamps 1:08 — Dr. Josh McConkie — https://www.joshmcconkey.com/ 28:26 — Alvin Lui — https://courageisahabit.org/

Don't Miss Out: Join the Conversation at 303-477-5600 or text to 307-200-8222. Monday - Friday from 3 pm - 6 pm MT. https://RushToReason.com HOUR 1 Unlocking Your Financial Future: The Truth About Loans, Housing, and Wealth in America. Kick off the week with John Rush as he dives deep into the hottest money issues shaping your life. Discover what Washington's financial scandals mean for your wallet and why the latest student loan changes could rewrite the rules for millions. Hear SoFi's Brian Walsh reveal the smart money moves—student loans, credit cards, refinancing, and budgeting—that could transform your family's future. Get the inside scoop on Columbia Sportswear's viral marketing surprise, then uncover the truth behind the federal housing bill—is it a real fix or just more political theater? John breaks down why mortgage rates, not empty promises, will decide your shot at homeownership. Wrap up the hour with John's bold take on Dave Ramsey's philosophy. Learn how to spot good debt from bad, and why the smartest choices today can secure your financial freedom tomorrow. Timestamps 1:09 — Dave Bancroft — https://www.veteranwindowsdoors.com/ 28:52 — Brian Walsh — https://www.sofi.com/ HOUR 2 Inside the $9.6 Billion NFL Bombshell—and the Real Game Behind the Headlines. John Rush and his son Richard break down the wildest sports news you can't afford to miss. From Team USA's World Cup heartbreak to FIFA's scandals, they reveal how a jaw-dropping $9.6 billion Seahawks sale could shake up the Broncos and the entire NFL. Get the inside word on the 2026 Toyota RAV4 Hybrid—efficiency, style, and value—plus a lively debate about what makes NASCAR and Formula 1 so addictive. Then, John takes on Colorado's political battlefield, exposing the real numbers behind the Republican race and daring listeners to rethink their election strategies. Don't miss the preview of Alvin Lui's upcoming appearance and a final chance to call in with your take. Catch the full RAV4 review and more surprises along the way. Timestamps 1:11 — Richard Rush — Sports & Automotive Contributor 14:32 — 2026 Toyota RAV4 Limited Hybrid AWD HOUR 3 Debunking Viral Myths—And the Truth About Raising a Resilient Generation. John Rush kicks off the hour with Dr. Josh McConkie, busting viral rumors about Lindsey Graham and Mitch McConnell. Discover why social media makes it so easy to believe the unbelievable—and how to protect yourself from falling for fake news. John returns to Colorado politics with a hard-hitting look at the Republican race—and takes your calls on what's really at stake. Then, Alvin Lui joins for a no-holds-barred conversation on education, parental rights, and the tough truths about building wealth and character in today's America. John wraps up by urging listeners to tune out the noise, take charge of their futures, and get ready for tomorrow's deep dive into Colorado's political scene. Timestamps 1:08 — Dr. Josh McConkie — https://www.joshmcconkey.com/ 28:26 — Alvin Lui — https://courageisahabit.org/

Reaching financial independence is supposed to be the goal—but what if you get there and realize the real skill isn't earning or saving, but learning to spend? And what if the metric for business success has nothing to do with revenue growth and everything to do with protecting your nervous system? Key Topics Discussed Introduction and the Hidden Curriculum 00:00:00 Brad introduces the concept of life's hidden curriculum—essential lessons never explicitly taught but crucial to building extraordinary lives, including the question extraordinary people consistently ask: "What am I missing, and how could this be useful to me?" Redefining Business Success 00:08:00 Diania explains her counterintuitive decision to keep the EconoMe Conference capped at 500 attendees despite selling out 9+ months in advance, redefining success around maintaining a calm nervous system rather than maximizing revenue or scaling. Enoughness and Simplifying Life 00:15:00 A discussion about determining "enough" in business, friendships, and life overall. Brad shares why he chose not to scale ChooseFI to Dave Ramsey levels, and both explore the power of intentional constraints. The Tuesday Project 00:22:00 Brad introduces his framework for designing FI around what your ideal average Tuesday looks like—waking without an alarm, taking walks in green space, accessing amenities on foot—rather than focusing solely on extraordinary experiences. Daily Routines and Time Abundance 00:30:00 Diania shares her 4-5 AM morning routine, one-meeting-a-day philosophy, and how she structures days with intention and flexibility to protect both productivity and mental space. The Skill of Spending in FI 00:42:00 Both hosts examine the challenge of learning to spend money intentionally after reaching FI, including examples like grocery delivery services and making purchases without the scarcity-driven research habits that got them to FI. From Scarcity to Abundance 00:55:00 Diania reveals how her annual spending increased from $60K to over $100K—all on discretionary categories like health, relationships, generosity, and travel—while caring about money less than ever. She shares her recent $29K car purchase and why FI as a goal became irrelevant once the journey transformed her life. Values, Idealism, and Materialism 01:08:00 A deep exploration of understanding true values versus social programming, the realization of not actually wanting the status symbols you thought you did, and how reducing materialism creates space for idealism. Health and the Better Body Challenge 01:18:00 Diania details her transformative six-month fitness accountability challenge requiring 5 weekly workouts, 70,000 steps per week, daily protein goals, and data uploads—with a $100/week fine for missing targets. Backing Yourself Into a Corner 01:32:00 Discussion about public accountability, understanding what motivates you personally, and intentionally creating circumstances that ensure follow-through on worthy goals. Notable Quotes Brad Barrett: "A lot of people who consistently build extraordinary lives ask, what am I missing, and how could this be useful to me?" Diania Merriam: "Success is a calm nervous system for you personally." Diania Merriam: "I'm not looking for followers. I'm not looking for customers. I really look at them as my peers." Diania Merriam: "My risk has flipped from running out of money to running out of time. I am much more willing to waste money than to waste time." Diania Merriam: "The less materialistic I am, the more idealistic I get to be." Key Takeaways Identify one area where you're using scarcity mindset despite financial security and experiment with an abundance-based decision Design your Tuesday Project: write down what your ideal average Tuesday would look like in FI and identify what's preventing that now Audit your attention: identify what's stealing your focus in ways that don't align with your values and set one boundary Consider joining an accountability group for a goal…

In this solo episode, Travis Chappell breaks down eye-opening stats from a five-year study on the daily habits that separate the wealthy from the poor. From credit score savvy to flossing and networking, he shares personal stories—like the time his truck's wheel fell off in Las Vegas—and actionable mindset shifts to level up your financial game. On this episode we talk about:   The massive gap in credit score awareness (72% wealthy vs. 5% poor) and Travis's wild credit drop after maxing a business card   Why the poor play the lottery 77% vs. just 6% of the wealthy—and how it traps you in a scarcity mindset   Goal focus, flossing, fitness, and screen time stats that reveal how self-discipline builds wealth   Networking (79% wealthy spend 5+ hours/month), the 80/20 rule, and rejecting "random luck" as your wealth plan   The ultimate divider: 79% of wealthy take full responsibility for their finances vs. 18% of the poor Top 3 Takeaways 1.  Know your credit score and how utilization/inquiries work—it unlocks better rates and leverage, even if Dave Ramsey disagrees.  2.  Focus on one big goal, cut recreational screen time under 1 hour/day, and network relentlessly—small habits compound into wealth.  3.  Own your financial situation 100%, regardless of fault; responsibility is where wealth creation truly begins. Notable Quotes   "72% of the wealthy know their credit score versus 5% of the poor."   "Your ability to create wealth for yourself will depend on your ability to take full responsibility for your situation."   "The more shots on goal you take, the more likely it is that you're going to hit one in." Connect with Travis Chappell: LinkedIn: ⁠https://www.linkedin.com/in/travischappell⁠ Twitter/X: ⁠https://twitter.com/traviscchappell⁠ Instagram: ⁠https://www.instagram.com/travischappell⁠ Other: ⁠https://www.travischappell.com A Word from Our Sponsors:- Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplieslast.  - Go to Leesa.com for 25% OFF select mattresses (through July 26, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!We love Dave Ramsey and the Baby Steps—but after years of coaching, we kept seeing the same missing piece: people were told what to do without being shown how to build a budget that works in real life.In this episode, we're breaking down why the “scorched earth” approach can leave budget besties feeling overwhelmed, paralyzed, and like they've failed. We share how a personalized budget can help you pay off debt, build wealth, enjoy your life, and still keep the pumpkin spice lattes.You'll also learn why separating bills from spending, creating digital savings buckets, and choosing a debt strategy based on your actual goals can make budgeting feel simpler, clearer, and much more doable.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

A real estate investor borrowed $160K from his life insurance and never stopped compounding. Here's how.CFP Mark Willis returns to break down the Bank On Yourself strategy and how real estate investors are using life insurance cash value as a source of capital without slowing their growth. He walks through a real client who borrowed $160,000 from his policy to fund a fourplex while the policy kept compounding untouched, why he agrees with Dave Ramsey that most whole life insurance is a bad deal, and what makes the 2% version different. The conversation also covers the Vanderbilt and Rockefeller families as a case study in generational wealth, how a policy loan compares to a HELOC, and where AI still falls short as a financial advisor.Key topics:How a policy loan funded a fourplex without losing a dollar of compoundingWhy most whole life insurance is a bad deal, and what the 2% version looks likeVanderbilts vs Rockefellers, why some families keep generational wealth and others lose itPolicy loans versus a HELOC, side by sideWhy AI still can't replace a financial advisor's judgmentGuest bio:Mark Willis is a Certified Financial Planner and co-author of The Business Fortress, How to Grow, Protect, and Exit Your Business with Confidence. He specializes in Bank On Yourself and infinite banking strategies for business owners and real estate investors.Links:Learn more from Mark and get free chapters of The Business Fortress at kickstartwithmark.com, mention the book title in the form notesWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

Send us Fan MailThese married NC music teachers are making it happen! Mid 30's and maxing out Roth IRAs, two future NC pensions in their early 50's, social security in the future...they will have a combined income of 130kish in their 60's. They take advantage of their time off in the summer by running a fireworks rent for 2 weeks each summer. They hustle extremely hard for the two weeks leading up to the 4th and make TWO MONTHS worth of teacher income in those two weeks. They are Dave Ramsey inspired, but have had to work through different financial backgrounds to come together and "make it happen" on their NC teacher salaries. Be a guest on the show:https://www.financiallyindependentteachers.com/contact-8Check out our website:https://www.financiallyindependentteachers.com/Sign up for FIT coaching:https://www.financiallyindependentteachers.com/services-4

Anthony O'Neal is a national bestselling author who has helped over 250,000 people get out of debt and take control of their finances. He built his foundation in the Dave Ramsey method, but has since evolved his message into something bigger: true freedom isn't just about paying off debt, it's about mental, spiritual, and financial freedom working together.   In this episode, we talk about his new book Stop Living Paycheck to Paycheck, why becoming debt free was never the finish line he thought it was, and what it actually takes to grow real wealth once the debt is gone. We also dig into money and marriage, how to align finances with a spouse, and the mindset shifts that separate people who stay stuck from people who build lasting freedom.   Anthony has grown a following of over 1.1 million subscribers on YouTube by delivering this message with clarity and conviction, and this conversation is packed with the same energy. If you're ready to think differently about debt, money, and what freedom really means, this episode is for you. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wjpodcast/ Book your mentorship discovery call with Cory RESOURCESGet business funding - revenued.com/juice

Chef Matt Lawson's life never followed a straight line. For years, he questioned why his path kept moving through entrepreneurship, restaurants, private-chef work, hotels, professional sports, banking, medical innovation, and some painfully difficult seasons. Only now are those pieces beginning to make sense. In Episode 205, Matt shares how a teenage swim-lesson business led him to Dave Ramsey—and how one unexpected answer changed his future: "I'd be a chef." He had never worked in a professional kitchen, yet went on to graduate valedictorian from culinary school and open his first restaurant the night of graduation. His journey later took him from cooking for prominent families and rebuilding major food-and-beverage programs to a period of homelessness that forced him to confront his pride, faith, and direction. The conversation becomes deeply personal as Matt discusses his youngest daughter, Mia, who was born with Down syndrome and required open-heart surgery. When an outdated medical device repeatedly injured her skin, Matt created a better solution—one that received international regulatory approval and was ultimately acquired by 3M. Today, those experiences are converging through the Texas Food Championship, an ambitious culinary platform designed to elevate chefs, create scholarships, support families, strengthen communities, and give the next generation opportunities Matt once received himself. This is a conversation about faith, failure, fatherhood, courage, and discovering that the chapters of life that feel the most disconnected may be preparing us for our greatest calling. BRAND PARTNERS Metro Foodservice Solutions & Trimark USA https://www.metro.com  Commercial-grade storage, transport, and workflow systems trusted across professional kitchens. TriMark USA TriMark is the largest foodservice design, equipment, and supplies provider in North America, helping operators build, equip, and optimize hospitality kitchens through design-build expertise, sourcing, installation, and service. RAK Porcelain USA https://www.rakporcelain.com Professional tableware engineered for durability and presentation. Citrus America https://www.citrusamerica.com Premium citrus solutions supporting chefs, retailers, and distributors. Crab Island Seafood https://crabislandseafood.com Florida-based supplier delivering responsibly sourced seafood to foodservice partners. Testo North America https://www.testo.com/en-US Precision measurement and food safety solutions for professional kitchens. CAUSE PARTNERS The Burnt Chef Project https://www.theburntchefproject.com Advocating for mental health awareness in the hospitality industry. Operation BBQ Relief https://operationbbqrelief.org Providing meals to communities impacted by natural disasters. Sustainable Supperclub https://www.sustainablesupperclub.com Pop-up dining experiences focused on sustainability and food access. TRADE SHOW & INDUSTRY PARTNERS Florida Restaurant Show https://www.therestaurantshows.com/florida/ New York Restaurant Show https://www.therestaurantshows.com/new-york/ California Restaurant Show https://www.therestaurantshows.com/california/ Pizza Tomorrow Summit https://www.pizzatomorrow.com/ U.S. Culinary Open https://www.usculinaryopen.com/About Creative Loafing Tampa Bay https://www.cltampa.com ABOUT WALK-IN TALK MEDIA Walk-In Talk Media is an industry-recognized B2B food and hospitality media company focused on chef-driven storytelling and real conversations inside the business of food.  

Hurdy Gurdy Travel Podcast: Justin Vacula Responds to Dave Ramsey on FICO Scores and Credit Cards Justin Vacula records an impromptu episode of the Hurdy Gurdy Travel Podcast responding point by point to Dave Ramsey's video, “This Is What Your FICO Score Really Means.” Justin argues that Ramsey misrepresents how credit works by repeatedly equating responsible credit card use with carrying debt. He explains how paying balances in full, avoiding interest, and maintaining low credit utilization can help consumers build strong FICO scores without falling into financial trouble. The episode also examines why credit scores can matter for renting an apartment, opening a phone plan, obtaining insurance, or financing a major purchase. Justin challenges Ramsey's claims that FICO is an “I love debt” score, that achieving an 800 credit score requires hundreds of thousands of dollars, and that people are better off having no credit score at all. He also notes that income is not included in FICO scoring. Timestamps 00:00 Points and Miles Intro 00:27 Why Ramsey Misleads 01:58 Debt vs. Responsible Credit 03:14 What FICO Measures 05:48 Why Credit Scores Matter 08:23 The Debt Load Myth 09:52 Leverage and Frugal Wins 12:09 The “I Love Debt” Claim 14:23 The Costly FICO Myth 19:15 The Zero Credit Score Argument 23:07 Terminal Humor Detour 27:14 Ramsey's Mortgage Double Standard 29:23 Final Takeaways and Outro —

For the 4th of July, the 250th birthday of America, Adam did the most Okie thing a man can do to celebrate: he took the family to a rodeo. Both boys went mutton busting, Friday and Saturday. Leo, six, drew a slow sheep the second night and rode it a full 17 seconds, hanging on and hollering "keep going, keep going!" into its ear because he knew he needed that sheep to move to score.-----------Sponsor: The Amen app (from the Augustine Institute)The Amen app is the free Catholic prayer app the guys use to prep the family for Sunday, listening to the Sunday Gospel on the way to Holy Mass so the kids are ready to receive it before they walk in. No paywall, no subscription trap, no upfront cost. Download the Amen app right now.Sponsor: Select International Tours: selectinternationaltours.comWhen Adam and Dave decided to lead their first pilgrimage, one name kept coming up: Select International Tours. Having used them, the guys can vouch for it. Wherever in the world you want to go, Select has a tour ready. Whether you want to lead a pilgrimage or attend one, head to selectinternationaltours.com and see everything they offer. You won't regret it.----------He placed top three, took home a little money and a free snow cone, and nobody's sure which one he was prouder of. John, three, puffed his chest out all day, crumbled at the chute, rode two seconds, hit the dirt, cried, and then immediately declared he was doing it again tomorrow. He did. Same result. He was in it for the story.Then there's Adam and the bull. He's always had the itch to put himself on the line, to go where it takes fortitude and prudence and a whole lot of luck. So he slipped up to the chute with the cowboys, just to feel the atmosphere next to something that powerful. A storm blew in and cut the bull riding short. Adam's calling that one Providence, same as the fight that got cancelled back when COVID shut down the world. Some signs you don't get to ignore.The pour is Teeling Wonders of Wood Single Pot Still, Virgin Swedish Oak. Ninety three dollars, and worth it. No Jim on hand to work the yummy scale, so the guys guessed it might've metamorphosed into a 7.321. Deep, resonant, dangerously delicious.The prayer request is Mary. She's a little over four months now, still in the NICU. Adam sent a photo of her smiling right through all the tubing, and it melted everybody. It's been a hard stretch, a step back, but she recovered fast, her breathing's improving, and there's talk of scheduling open heart surgery in the next four to six months. Adam described the NICU "tree," the pole that once held fifteen to twenty bags and lines and now holds four. Look where they were. Look where they are. Thank you for the prayers. They have not been in vain, and Lady Haylee has been heroic through all of it.Then the topic: what to do when you're struggling. Not just spiritual struggle. Focus, work, sin, the whole weight of it. Most of it isn't laziness. It's disorder, a misalignment between the intellect and the appetites, an internal civil war stoked by stress and exhaustion and distraction. Aquinas names it. Augustine sharpens it: the mind commands the body and it obeys instantly, but the mind commands itself and is resisted. Adam's own admission cut deepest. There is a part of him that does not want to be holy. Naming that was the whole battle. Once he saw the enemy clearly, fasting and prayer stopped feeling like punishment and started feeling like war worth waging. Protect, provide, establish, and fight for your own soul while you're at it. Win the next 15 minutes. Then win the next one. Raise your glass.TOPICS COVEREDCelebrating the 4th of July, America's 250th, the most Okie way possible: a rodeoLeo and John mutton busting both nights, and Leo riding a slow sheep 17 seconds while yelling at it to keep goingJohn, three years old, crumbling at the chute, crying, and immediately signing up to do it againThe bull that jumped the arena into the stands, and Adam's lifelong itch to ride oneAdam sneaking up to the chute and the storm that cut the bull riding short as ProvidenceCarl's 4th of July party, the Declaration recited by teenagers, the bike parade, and drinking a beer while riding a bike ("bunking")Bourbon of the week: Teeling Wonders of Wood Single Pot Still, Virgin Swedish Oak, $93Running the yummy scale without Jim and guessing at a 7.321Prayer update on baby Mary: four months in the NICU, a smiling photo through the tubing, and open heart surgery on the horizonThe NICU "tree" as a visualization of progress, from twenty lines down to fourWhy most struggle is not laziness but disorder and a lack of a clear vision of the endThe human person broken down: intellect, will, and appetites, each with different triggersSt. Thomas Aquinas on the harmony between intellect and appetite, and the civil war when they misalignSt. Augustine on the mind that commands the body instantly but resists commanding itselfThe full life of St. John Paul II as a case study in struggle met with faith and joyWhy you should tell your kids and grandkids your real struggle stories, not hide themRedemptive suffering, and the shortage of real perseverance stories for kids raised on pop cultureTolkien on dragons: children already know dragons exist; they need to know dragons can be beatenCuriosity as the quiet vice, and choosing the good over even a lesser goodWhy it's about atmosphere and scenarios, not willpower, because willpower gives out fastAdam's admission that part of him does not want to be holy, and going to war against itFortitude as the virtue of winning by not losing, and building a habit of small victoriesThe Dave Ramsey debt snowball as a picture of stacking winsCustody of the eyes, stopping the struggle before it starts, and "today, I will be a saint"REFERENCED IN THIS EPISODEBooks & Writings:Confessions by St. Augustine (the mind commands itself and is resisted)Summa Theologiae by St. Thomas Aquinas (harmony and misalignment of intellect and appetite)The Aeneid by Virgil (Adam reading it aloud with his boys over the summer)Tolkien's line on dragons in children's stories (misremembered on air as "Jetson")Saints & Church Figures:St. John Paul II, Karol Wojtyła (the extended story of his life and suffering)St. Thomas AquinasSt. AugustineThe bishop referenced in the "bishop's flattery" aside, may he rest in peacePeople:Adam Minihan (host; the rodeo, the chute, baby Mary, M6 Marketing, The Grounded Builder on Substack)Dave Niles (host; Lady Pamela and the kids)Lady Haylee (heroic through Mary's NICU stay)Leo and John Minihan (the mutton busters)Karl Graham (friend of the show; the 4th of July party)Dave Ramsey (the debt snowball and the philosophy of stacking wins)

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today we're breaking it down: what he says, what the research says, and what your advisor actually thinks. Ramsey's 8% Retirement Rule Sounds Nuts At First Article Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs the 4% rule giving you a false sense of security about your retirement plan?The 4% rule is one of the most popular shortcuts in retirement planning, but it was never meant to be followed blindly. If you're a Canadian business owner, incorporated professional, or high-income earner nearing financial freedom, your timeline, tax structure, and market risk may look very different from the “average” retiree the rule was built around. And when markets are expensive, even a strategy that worked historically can become much less reliable.In this episode, you'll discover:Why the 4% rule is a helpful starting point, but not a complete retirement strategy.How high market valuations, bubbles, and sequence of returns risk can dramatically change your odds of success.Why the way your portfolio produces income may matter just as much as the size of the portfolio itself.Press play now to rethink whether your retirement plan is built to survive more than just average market conditions.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners and entrepreneurs approaching financial freedom in Canada, relying solely on the traditional 4% rule or a fixed safe withdrawal rate may not be enough. A strong Canadian wealth plan should account for sequence of returns risk, CAPE ratio retirement risk, market valuation risk, and the need for a flexible retirement income strategy that supports long-term financial independence Canada goals. Instead of focusing only on portfolio size, effective financial freedom planning should consider retirement cash flow planning, income investing Canada, RRSP optimization, salary vs dividends Canada, corporate wealth planning, tax-efficient investing, personal vs corporate tax planning, and corporation investment strategies. Whether your early retirement strategy includes real estate investing Canada, passive income planning, capital gains strategy, financial buckets, or an investment bucket strategy, the goal is to build a retirement portfolio strategy that balances growth, income, tax efficiency, and legacy planning Canada. With the right retirement planning tools, Canadian tax strategies, business owner tax savings, estate planning Canada, financial systems for entrepreneurs, and corporate structure optimization, you can create wealth building strategies Canada that support a modest lifestyle wealth goal today while building long-term wealth Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Can an 8% withdrawal rate really last through retirement? Damon Roberts & Matt Deaton examine Dave Ramsey’s views on retirement withdrawals, market volatility, IPO investing, SpaceX, FOMO, and retirement income planning. The discussion highlights the importance of balancing growth, risk, and retirement sustainability. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode, Travis is joined by producer Eric to unpack one of personal finance's most polarizing topics: debt. Using a conversation between Grant Cardone and Ryan Pineda as a launching point, they compare Grant Cardone's approach to leverage with Dave Ramsey's debt-free philosophy. Along the way, they discuss good debt versus bad debt, the realities of commercial real estate investing, why financial advice should be viewed through context, and how successful investors adapt their strategies to changing market conditions. On this episode we talk about: The difference between good debt and bad debt in real estate investing. Why Grant Cardone sometimes chooses to buy properties with cash instead of financing them. How Dave Ramsey's debt-free philosophy compares to Grant Cardone's investment strategy. The risks commercial real estate investors face when refinancing in a high-interest-rate environment. Why financial advice should be evaluated based on context rather than treated as one-size-fits-all. Top 3 Takeaways Debt is neither inherently good nor bad—the quality of the investment and the financing terms determine whether leverage creates or destroys wealth. Financial strategies that work for multimillionaires don't always translate directly to everyday investors, so it's important to understand the context behind the advice. Great investors stay flexible, adjusting their approach as market conditions change instead of following rigid financial rules. Notable Quotes "I'm not about getting into debt for the sake of getting into debt—I want good debt." "There's clearly nuance to this." "Financial advice isn't one-size-fits-all. Context matters." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com/ A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplieslast.  - Go to Leesa.com for 30% OFF select mattresses (through July 12, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Many so-called timeless beliefs about money pitched by financial advisors today (compound interest, real estate, index funds, retiring early) are not timeless pieces of wisdom, but a set of ideas invented within the last century, mostly by accident. In fact, the biggest financial dangers come from building a financial strategy around government rules that seem like they’ve existed forever but can change overnight. In 1913, when the income tax was created, interest on debt was explicitly excluded from taxation. For 70 years, savvy investors borrowed as much as possible and deducted the losses. Then Ronald Reagan changed it in 1986, in one legislative stroke. Hundreds of thousands of investors found themselves buried under debt they'd structured around a rule that no longer existed Today’s guest is Joseph Moore, author of How to Get Rich in American History: 300 Years of Financial Advice That Worked (and Didn't). We dig into the counterintuitive lessons hiding in plain sight across American history: why Abigail Adams was arguably a better investor than Warren Buffett; how Benjamin Franklin preached against debt while secretly building his printing empire on borrowed money; why one-third of American families once rented out rooms to boarders as their primary wealth-building strategy, until the government outlawed it; and how Dave Ramsey's entire financial philosophy was forged in a single day when the government changed a tax rule and wiped him out. Another lesson with modern parallels is that the FIRE movement — Financial Independence Retire Early — has deep roots in American history, but its most celebrated practitioners were almost always hiding a financial subsidy. Henry David Thoreau, patron saint of anti-consumerism, built his cabin on someone else's land and had his mother bring him food. He later returned to capitalism and ran a successful factory.See omnystudio.com/listener for privacy information.

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