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Scott Schara is a nationally recognized expert commentator on the medical murder agenda in America and the dangers of incentivized healthcare. His research proves beyond a doubt that this practice is by design. He's the father of Grace Schara, a 19-year-old with Down syndrome who died at St. Elizabeth's Hospital (Ascension Health) and is on a mission to shine a spotlight on the crimes of the American medical system.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Steve from our Akron/Canton, Ohio team to break down why the Midwest — specifically Akron, Ohio — continues to attract cash-flow-focused investors across the country.With over 500+ properties sold since 2019–2020, a systematic renovation model, and vertically integrated property management, this market has built a reputation for consistency, affordability, and strong long-term rental performanceIf you're looking for:✔️ Affordable turnkey rentals✔️ Landlord-friendly markets✔️ Low cost of living with stable tenants✔️ Section 8 insights✔️ Faster tenant placement✔️ Lower barrier to entry investingThis episode delivers.⏱ Key Topics & Timestamps0:00 – Introduction & Akron market overview1:01 – 500+ properties sold & long-term track record1:58 – 60/40 new construction vs rehab inventory breakdown2:04 – Systematic renovations: 10+ years mechanical life rule3:35 – Why Akron is more landlord-friendly than Cleveland4:42 – Fully staffed property management model7:46 – Tenant profiles & affordability in Akron9:30 – Section 8 pros & cons (longer average stays)11:59 – Why single-family rentals outperform multifamily for longevity13:28 – Block-by-block investing strategy (local expertise advantage)15:39 – $135K fully updated homes in strong rental areas17:24 – Why Tommy invested personally in Akron20:23 – Why investors must move fast in this market

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Steve from our Akron/Canton, Ohio team to break down why the Midwest — specifically Akron, Ohio — continues to attract cash-flow-focused investors across the country.With over 500+ properties sold since 2019–2020, a systematic renovation model, and vertically integrated property management, this market has built a reputation for consistency, affordability, and strong long-term rental performanceIf you're looking for:✔️ Affordable turnkey rentals✔️ Landlord-friendly markets✔️ Low cost of living with stable tenants✔️ Section 8 insights✔️ Faster tenant placement✔️ Lower barrier to entry investingThis episode delivers.⏱ Key Topics & Timestamps0:00 – Introduction & Akron market overview1:01 – 500+ properties sold & long-term track record1:58 – 60/40 new construction vs rehab inventory breakdown2:04 – Systematic renovations: 10+ years mechanical life rule3:35 – Why Akron is more landlord-friendly than Cleveland4:42 – Fully staffed property management model7:46 – Tenant profiles & affordability in Akron9:30 – Section 8 pros & cons (longer average stays)11:59 – Why single-family rentals outperform multifamily for longevity13:28 – Block-by-block investing strategy (local expertise advantage)15:39 – $135K fully updated homes in strong rental areas17:24 – Why Tommy invested personally in Akron20:23 – Why investors must move fast in this market

Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Zach Lemaster.In this episode, Zach reveals one of the strongest builder incentive opportunities we've seen — brand new, A-Class construction rental properties in Texas that are already leased and cash flowing from day one.Because some builders' fiscal years end in Q1, they're offering aggressive incentive structures to move excess inventory — including over $40,000 in incentives on select properties.These are limited-time deals ending Friday, March 13th at 5PM Pacific, and once the inventory is gone, it's gone.If you're looking to maximize ROI, reduce upfront capital, or buy down interest rates significantly, this is an episode you don't want to miss.⏱ Key Timestamps00:00 – Introduction from Zach & Matthew00:32 – Why Q1 creates unique builder opportunities01:15 – $40,000+ incentive structures explained02:00 – How institutional buying power benefits individual investors02:50 – Using incentives: cash back, rate buy-down, price reduction03:30 – Rates potentially in the 3s or 4s depending on structure04:15 – Brand new A-Class Texas properties already leased05:00 – No vacancy, no leasing fees, cash flow from day one05:40 – Incentives expire March 13th at 5PM PacificThese properties offer:• Brand new construction• Tenant already in place• Immediate cash flow• No lease-up risk• Massive incentive flexibility• Economies of scale typically reserved for institutionsThis is how individual investors can access institutional-level buying advantages.If you're serious about scaling your rental portfolio and taking advantage of limited inventory opportunities, now is the time to act.

Do you ever feel like there is a real way you feel deep inside and a way you think you "should or shouldn't" feel that drives your actions on the outside?  If you have strong feelings but feel that they are too much or wrong for a Christian woman to have, listen in.  You don't have to suck it up, ignore yourself, or throw yourself under the bus. FREE RESOURCE: If this episode resonated, you might be interested in my free resource.   I created a free, faith-honoring guide that gently explains how healing happens in the body and why you're not failing.  Free Trauma Healing Resource Guide   WORK WITH MICHELLE CROYLE, LPC: If you are a Christian woman who feels ready for deeper, focused trauma healing than typical weekly talk therapy can offer, you may want to consider an EMDR-based Therapeutic Intensive with me.  I clear my schedule to work with you over the course of one to three days for three to six hours per day on a focus target of your choosing.  Intensives are designed to support meaningful change in the way the nervous system feels safest, not rushed into an hour here and there.  Ready for deeper healing?  If you live in Pennsylvania or are willing to travel to Pennsylvania for a therapy intensive, you can learn more or schedule a reserve a free consultation by clicking here: Learn More or Reserve a Free Consultation

Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Zach Lemaster.In this episode, Zach reveals one of the strongest builder incentive opportunities we've seen — brand new, A-Class construction rental properties in Texas that are already leased and cash flowing from day one.Because some builders' fiscal years end in Q1, they're offering aggressive incentive structures to move excess inventory — including over $40,000 in incentives on select properties.These are limited-time deals ending Friday, March 13th at 5PM Pacific, and once the inventory is gone, it's gone.If you're looking to maximize ROI, reduce upfront capital, or buy down interest rates significantly, this is an episode you don't want to miss.⏱ Key Timestamps00:00 – Introduction from Zach & Matthew00:32 – Why Q1 creates unique builder opportunities01:15 – $40,000+ incentive structures explained02:00 – How institutional buying power benefits individual investors02:50 – Using incentives: cash back, rate buy-down, price reduction03:30 – Rates potentially in the 3s or 4s depending on structure04:15 – Brand new A-Class Texas properties already leased05:00 – No vacancy, no leasing fees, cash flow from day one05:40 – Incentives expire March 13th at 5PM PacificThese properties offer:• Brand new construction• Tenant already in place• Immediate cash flow• No lease-up risk• Massive incentive flexibility• Economies of scale typically reserved for institutionsThis is how individual investors can access institutional-level buying advantages.If you're serious about scaling your rental portfolio and taking advantage of limited inventory opportunities, now is the time to act.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

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Are you feeling anxious or uncertain as you approach a milestone birthday or major life transition? You're not alone. This episode of "Live & Be Great" offers an honest exploration of turning 40—confronting old expectations, managing birthday anxiety, and redefining success in a changing world. Join Latonya McDonald, spiritual and psychological life coach, as she shares her personal journey and expert insights to help you break free from the pressure of societal standards. If you're struggling with loneliness, self-worth, or building community in adulthood, this episode provides a compassionate roadmap for healing, self-love, and authentic living. Walk away inspired to embrace your new decade with courage, connection, and a renewed sense of purpose.Timestamped Overview:**- 00:00:00 – Birthday reflections and the significance of turning 40  - 00:01:15 – Understanding birthday anxiety and formative experiences  - 00:03:13 – Near-death experiences and shifting mindsets in adulthood  - 00:07:04 – Societal change, technology, and relationship dynamics  - 00:10:52 – Recognizing self-sabotage and the struggle for support  - 00:14:01 – Opening up about anxiety to loved ones  - 00:16:25 – Redefining success and happiness for modern adulthood  - 00:20:07 – The evolving role of dance, career pivots, and identity shifts  - 00:26:28 – Therapy to life coaching: Embracing new professional paths  - 00:29:13 – Letting go of the past and living authentically  - 00:34:26 – Making supportive community a requirement in midlife  - 00:36:17 – Season finale wrap-up and resources for growthDiscover how to overcome birthday anxiety, let go of societal expectations, and redefine success at any age in this transformative episode of the Live & Be Great podcast. Host Latonya McDonald shares her journey through milestone transitions, offering practical insights for self-love, emotional healing, and building authentic support networks. Whether you're navigating adulthood or seeking deeper connection and clarity, this episode empowers you to live and be great.Explore our full range of services to support your growth:- Experience deep emotional release and clarity with the [Digital Soul Cleanse](https://liveandbegreat.com/digital-soul-cleanse), your pathway to spiritual renewal.- Gain personalized insight into your life's purpose with a [Rising Ascendant Astrology Reading](https://liveandbegreat.com/risingascendant-sign-astrology-reading-store).- Discover your emotional landscape and inner needs through the [Moon Sign Astrology Reading](https://liveandbegreat.com/moon-sign-astrology-reading-store).- Illuminate your identity and core strengths with the [Sun Sign Astrology Reading](https://liveandbegreat.com/sun-sign-astrology-reading-store).- Enhance your relationships and find ideal compatibility with a [Relationship Compatibility Astrology Reading](https://liveandbegreat.com/relationship-compatibility-astrology-reading-store).- Uncover and heal inherited patterns through the transformative [Generational Trauma Insight Session](https://liveandbegreat.com/generational-trauma-insight-session-store).- Receive personalized answers and support with an [Ask Me Anything Guided Support Call](https://liveandbegreat.com/ask-me-anything-guided-support-call-store).- Explore the layers of your personality and destiny with a [Big Three Astrology Reading](https://liveandbegreat.com/big-three-astrology-reading-store).- Accelerate your healing journey and release past trauma in a [Trauma Healing Session](https://liveandbegreat.com/trauma-healing-session-store).- Find new direction and inspiration for your professional life in a [Career Exploration Session](https://liveandbegreat.com/career-exploration-session-store).- Book a [Free Consultation for Individual, Couple, Family, and Co-parent Sessions](https://outlook.office.com/book/LiveBeGreatLLC1@liveandbegreat.com/?ismsaljsauthenabled) to start your personalized growth plan today.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ In this episode of the Rent To Retirement Podcast, host Matthew Seyoum welcomes investment strategist and new recurring co-host Tommy Brown to the show.Tommy shares his journey from teaching in public schools to building and scaling a multi-state rental portfolio — all while helping hundreds of investors do the same. If you've ever felt stuck on the sidelines or unsure whether to invest locally or out of state, this conversation will bring clarity.We dive into the real differences between new construction and rehab properties, how experienced investors think about portfolio diversification, and why so many people get trapped in analysis paralysis. Tommy also shares what he's seeing right now in today's market — including why Ohio rehabs continue to perform and why Tuscaloosa new construction has been attracting investor attention.Whether you're brand new to rental investing or already own multiple doors, this episode will help you think more strategically about risk, cash flow, appreciation, and long-term scaling.⏱ Timestamps00:00 – Introducing Tommy Brown (New Co-Host Announcement)01:16 – Tommy's Background: From Teaching to Real Estate Investing05:14 – Overcoming Analysis Paralysis07:51 – Types of Investors We Work With11:58 – Rehab vs. New Construction: Pros & Strategy16:14 – Real-World Example: Texas New Build vs Ohio Rehab18:23 – Why Tuscaloosa & Ohio Stand Out20:05 – Biggest Mistakes Investors Make24:13 – How to Connect with Tommy

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ In this episode of the Rent To Retirement Podcast, host Matthew Seyoum welcomes investment strategist and new recurring co-host Tommy Brown to the show.Tommy shares his journey from teaching in public schools to building and scaling a multi-state rental portfolio — all while helping hundreds of investors do the same. If you've ever felt stuck on the sidelines or unsure whether to invest locally or out of state, this conversation will bring clarity.We dive into the real differences between new construction and rehab properties, how experienced investors think about portfolio diversification, and why so many people get trapped in analysis paralysis. Tommy also shares what he's seeing right now in today's market — including why Ohio rehabs continue to perform and why Tuscaloosa new construction has been attracting investor attention.Whether you're brand new to rental investing or already own multiple doors, this episode will help you think more strategically about risk, cash flow, appreciation, and long-term scaling.⏱ Timestamps00:00 – Introducing Tommy Brown (New Co-Host Announcement)01:16 – Tommy's Background: From Teaching to Real Estate Investing05:14 – Overcoming Analysis Paralysis07:51 – Types of Investors We Work With11:58 – Rehab vs. New Construction: Pros & Strategy16:14 – Real-World Example: Texas New Build vs Ohio Rehab18:23 – Why Tuscaloosa & Ohio Stand Out20:05 – Biggest Mistakes Investors Make24:13 – How to Connect with Tommy

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Wonder why you people please, over explain, or shut down?  Here's what's going on and how to help yourself with it. FREE RESOURCE: If this episode resonated, you might be interested in my free resource.   I created a free, faith-honoring guide that gently explains how healing happens in the body and why you're not failing.  Free Trauma Healing Resource Guide   WORK WITH MICHELLE CROYLE, LPC: If you are a Christian woman who feels ready for deeper, focused trauma healing than typical weekly talk therapy can offer, you may want to consider an EMDR-based Therapeutic Intensive with me.  I clear my schedule to work with you over the course of one to three days for three to six hours per day on a focus target of your choosing.  Intensives are designed to support meaningful change in the way the nervous system feels safest, not rushed into an hour here and there.  Ready for deeper healing?  If you live in Pennsylvania or are willing to travel to Pennsylvania for a therapy intensive, you can learn more or schedule a reserve a free consultation by clicking here: Learn More or Reserve a Free Consultation

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders athttps://bluprinthomeloans.com/renttoretirement/ BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Buying your first rental property can feel overwhelming—especially if it's out of state. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Chandler, a real investor who went from zero experience to owning two new-construction rental properties in Alabama in under a year.Chandler shares how he overcame analysis paralysis, chose the right market, trusted a property management team, and took action—without fixing, flipping, or managing from afar. If you're researching real estate but struggling to make your first move, this episode is a must-watch.⏱️ Episode Timestamps00:00 – Introduction & Chandler's background01:00 – What sparked interest in real estate investing02:15 – Finding Rent To Retirement & choosing turnkey rentals03:40 – Overcoming analysis paralysis06:30 – Buying a rental property out of state08:15 – Why Alabama new construction made sense10:50 – Setting goals & committing to action14:55 – Property management expectations vs reality17:30 – Managing rentals remotely with confidence19:45 – Building a long-term rental portfolio21:30 – Final advice for first-time investors

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders athttps://bluprinthomeloans.com/renttoretirement/ BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Buying your first rental property can feel overwhelming—especially if it's out of state. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Chandler, a real investor who went from zero experience to owning two new-construction rental properties in Alabama in under a year.Chandler shares how he overcame analysis paralysis, chose the right market, trusted a property management team, and took action—without fixing, flipping, or managing from afar. If you're researching real estate but struggling to make your first move, this episode is a must-watch.⏱️ Episode Timestamps00:00 – Introduction & Chandler's background01:00 – What sparked interest in real estate investing02:15 – Finding Rent To Retirement & choosing turnkey rentals03:40 – Overcoming analysis paralysis06:30 – Buying a rental property out of state08:15 – Why Alabama new construction made sense10:50 – Setting goals & committing to action14:55 – Property management expectations vs reality17:30 – Managing rentals remotely with confidence19:45 – Building a long-term rental portfolio21:30 – Final advice for first-time investors

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Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayBAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Real estate investing doesn't have to mean flipping houses, endless rehabs, or managing tenants yourself.In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Jack, a structural engineer from California, to break down how he went from maxing out his 401(k) to building a cash-flowing, out-of-state rental portfolio—without sacrificing his career or family time.Jack shares why California real estate didn't pencil out, how he overcame the fear of investing out of state, and why new-construction turnkey rentals in Alabama aligned perfectly with his long-term retirement goals.Whether you're a busy professional, high-income earner, or someone tired of waiting on the sidelines for interest rates to drop, this episode walks through a real investor's decision-making process, mistakes avoided, and lessons learned.⏱️ Episode Timestamps00:00 – Intro & Jack's background01:00 – Why 401(k)s alone weren't enough02:45 – Why California real estate didn't work04:00 – Discovering turnkey investing through BiggerPockets05:00 – Choosing Alabama as a target market06:20 – Why out-of-state investing felt scary (at first)08:00 – The power of education & the RTR Academy10:00 – Cash flow vs appreciation vs depreciation12:00 – Leveraging real estate for long-term wealth14:30 – Tax benefits & future short-term rental plans17:00 – Interest rates, timing the market & opportunity cost19:30 – Trusting property management from afar21:30 – Final advice for new investors

Therapy is a great resource, but sometimes, it's not enough.  In today's episode, Michelle talks about some of the differences that make EMDR trauma therapy more effective than standard talk therapy. FREE RESOURCE: If this episode resonated, you might be interested in my free resource.   I created a free, faith-honoring guide that gently explains how healing happens in the body and why you're not failing.  Free Trauma Healing Resource Guide   WORK WITH MICHELLE CROYLE, LPC: If you are a Christian woman who feels ready for deeper, focused trauma healing than typical weekly talk therapy can offer, you may want to consider an EMDR-based Therapeutic Intensive with me.  I clear my schedule to work with you over the course of one to three days for three to six hours per day on a focus target of your choosing.  Intensives are designed to support meaningful change in the way the nervous system feels safest, not rushed into an hour here and there.  Ready for deeper healing?  If you live in Pennsylvania or are willing to travel to Pennsylvania for a therapy intensive, you can learn more or schedule a reserve a free consultation by clicking here: Learn More or Reserve a Free Consultation

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayBAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Real estate investing doesn't have to mean flipping houses, endless rehabs, or managing tenants yourself.In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Jack, a structural engineer from California, to break down how he went from maxing out his 401(k) to building a cash-flowing, out-of-state rental portfolio—without sacrificing his career or family time.Jack shares why California real estate didn't pencil out, how he overcame the fear of investing out of state, and why new-construction turnkey rentals in Alabama aligned perfectly with his long-term retirement goals.Whether you're a busy professional, high-income earner, or someone tired of waiting on the sidelines for interest rates to drop, this episode walks through a real investor's decision-making process, mistakes avoided, and lessons learned.⏱️ Episode Timestamps00:00 – Intro & Jack's background01:00 – Why 401(k)s alone weren't enough02:45 – Why California real estate didn't work04:00 – Discovering turnkey investing through BiggerPockets05:00 – Choosing Alabama as a target market06:20 – Why out-of-state investing felt scary (at first)08:00 – The power of education & the RTR Academy10:00 – Cash flow vs appreciation vs depreciation12:00 – Leveraging real estate for long-term wealth14:30 – Tax benefits & future short-term rental plans17:00 – Interest rates, timing the market & opportunity cost19:30 – Trusting property management from afar21:30 – Final advice for new investors

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Have you found yourself fine one minute and completely blindsided by your reactions the next?  Today, Michelle shares 1 huge way to tell if you have unresolved trauma hiding in your nervous system.  Listen in!   FREE RESOURCE: If this episode resonated, you might be interested in my free resource.   I created a free, faith-honoring guide that gently explains how healing happens in the body and why you're not failing.  Free Trauma Healing Resource Guide   WORK WITH MICHELLE CROYLE, LPC: If you are a Christian woman who feels ready for deeper, focused trauma healing than typical weekly talk therapy can offer, you may want to consider an EMDR-based Therapeutic Intensive with me.  I clear my schedule to work with you over the course of one to three days for three to six hours per day on a focus target of your choosing.  Intensives are designed to support meaningful change in the way the nervous system feels safest, not rushed into an hour here and there.  Ready for deeper healing?  If you live in Pennsylvania or are willing to travel to Pennsylvania for a therapy intensive, you can learn more or schedule a reserve a free consultation by clicking here: Learn More or Reserve a Free Consultation

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replay

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replay

OMG will Giannis get traded to Portland? Blazers picks from Milwaukee are very valuable. Free Consultation: 80% of past Dame Lillard + current roster: are they a 6-seed? Closing Arguments: Numbing cream for tattoos?

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replaySouthwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.You'll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.⏱️ Episode Timestamps00:00 – Welcome to the Rent To Retirement Podcast01:00 – Why Southwest Florida is a major growth corridor03:00 – Hurricanes, insurance costs, and common investor misconceptions07:30 – New construction vs older homes: what actually holds up10:45 – Investor background: from Wall Street to Florida real estate14:30 – Ground-up construction explained (build-to-rent strategy)18:45 – How investors create equity without construction loans22:45 – Duplex vs single-family investing in today's market26:00 – Long-term wealth, leverage, and inflation advantages30:45 – Why Florida remains a top investor-friendly state

In this F

If your business feels harder right now, even though nothing is technically “wrong”, this episode is for you.In this week's episode of The Opt-In Podcast, Melissa breaks down why instability is often a sign of growth, not failure. As businesses mature, the systems, decisions, and leadership style that once worked stop being sufficient and that transition can feel uncomfortable, confusing, and even alarming.This episode reframes instability as a signal, not a setback, and explains what mature businesses do differently when things start to feel less predictable.In this episode, we cover:Why founders mistake instability for failureWhat actually causes businesses to feel chaotic as they growHow the founder's role must evolve at each stageWhy stability is built, not feltThe difference between effort and real progressIf your revenue is solid, your team is capable, but clarity feels harder to come by, you're not doing anything wrong. You're likely standing at a transition point—and how you respond now matters. Join the On Call COO SubstackWeekly insight, perspective, and practical guidance for founders navigating growth.

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Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayReal estate success isn't accidental—it's planned.In this solo episode of the Rent To Retirement Podcast, host Matthew Seyoum breaks down how to strategically game-plan your real estate investments for 2026. From timing your purchases for tax advantages to reverse-engineering your savings and financing strategy, this episode is a practical roadmap for investors at every stage.Whether you're preparing for your first rental property or scaling a multi-property portfolio, this episode will help you avoid last-minute scrambles and move with clarity, confidence, and intention.⏱️ Episode Timestamps00:00 – Why 2026 planning starts now00:28 – Setting your purchase timeline (January–December strategy)00:54 – Buying for tax benefits vs. consistent quarterly acquisitions01:40 – Understanding your “reload” capability (saving & capital planning)02:56 – Pre-approval timelines and how long they last03:34 – LLC setup: realistic timelines and lender requirements04:42 – Why early planning creates flexibility and leverage05:28 – One property per year vs. scaling faster06:29 – Why acting sooner can unlock better tax outcomes07:15 – First-time investors: learning by doing vs. analysis paralysis08:03 – The full Rent To Retirement support team explained08:30 – Best next steps to prepare for your next deal10:05 – Final advice and how to access inventory & strategy calls

Have you ever struggled with thoughts you don't want, don't believe in, and wish would go away and leave you alone but the more you try to stop thinking them the worse the looping thought gets?  Today, Michelle shares her tip for how to deal with intrusive thoughts with God's help.  Listen in!   FREE RESOURCE: If this episode resonated, you might be interested in my free resource.   I created a free, faith-honoring guide that gently explains how healing happens in the body and why you're not failing.  Free Trauma Healing Resource Guide   WORK WITH MICHELLE CROYLE, LPC: If you are a Christian woman who feels ready for deeper, focused trauma healing than typical weekly talk therapy can offer, you may want to consider an EMDR-based Therapeutic Intensive with me.  I clear my schedule to work with you over the course of one to three days for three to six hours per day on a focus target of your choosing.  Intensives are designed to support meaningful change in the way the nervous system feels safest, not rushed into an hour here and there.  Ready for deeper healing?  If you live in Pennsylvania or are willing to travel to Pennsylvania for a therapy intensive, you can learn more or schedule a reserve a free consultation by clicking here: Learn More or Reserve a Free Consultation

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayWhat will 2026 mean for real estate investors? In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster break down the economic shifts, interest rate outlook, tax strategies, and market dynamics that will shape real estate investing in 2026 and beyond.You'll learn why the market is transitioning faster than most investors realize, how Federal Reserve policy and tax incentives could drive appreciation, and why Q1 2026 may be the most strategic window to buy before competition, incentives, and affordability change.Whether you're an experienced investor or preparing for your first rental property, this episode provides a clear, data-driven roadmap for navigating the next phase of the real estate cycle.