Podcasts about helocs

If you're nearing retirement and uneasy about the math, you're not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven't actually run the numbers—and many won't like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don's short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I'm worried I'm losing ground to inflation and missed opportunities.” https://www.youtube.com/live/T7O8abZDKw8 Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity cost quietly erode it. Today Bruce and I want to reframe that pile into something far better: emergency fund alternatives that give you liquidity and momentum. What You'll Get From This Guide If you've ever wondered how to stay liquid for the unknown without parking money in low-yield accounts, this is for you. We'll show you how to: Design liquidity that protects your family and keeps compounding intact Think “emergency and opportunity,” not either/or Decide how much liquidity you actually need Compare storage options (banks, brokerage, HELOCs, and emergency fund alternatives like cash value life insurance) Understand policy loans, interest, IRR, and why control and flexibility often beat chasing the “best rate” By the end, you'll have a practical blueprint to keep cash ready for life's surprises—without stalling your long-term growth. The Day the “Emergency Fund” Met Real LifeWhat You'll Get From This Guide1) Why Most People Misunderstand “Emergency Funds”Emergency Fund Alternatives vs. Cash-in-the-Bank2) How Much Liquidity Do You Actually Need?Emergency Fund Alternatives for Real Estate Investors3) Liquidity from Cash-Flowing Assets4) Where to Store Liquidity: A Practical Comparison5) Cash Value as an Emergency–Opportunity FundEmergency Fund Alternatives Using Whole Life Insurance6) “But What About Loan Rates vs. Policy IRR?”7) Real Estate, HELOCs, and Policy Loans—How They Compare8) Early-Year Liquidity & Design Reality9) The Two Big Mindset ShiftsEmergency Fund Alternatives That Keep You in Control10) Implementation Steps You Can Start This WeekWhy This MattersListen In and Go DeeperFAQWhat's the best place to keep an emergency fund?Are whole life policies good emergency fund alternatives?How much liquidity should real estate investors keep?Do whole life policy loans hurt compounding?Policy loan rate vs. policy IRR—what matters most?HELOC or whole life policy loan for emergencies?Book A Strategy Call 1) Why Most People Misunderstand “Emergency Funds” Most picture a rainy-day stash: a fixed dollar amount “just in case.” The problem? That mindset narrows your field of vision to only bad events. You end up over-saving in idle cash, under-preparing for real opportunities, and missing compound growth. The better frame is liquidity for emergencies and opportunities—capital that can pivot quickly, without losing momentum. Emergency Fund Alternatives vs. Cash-in-the-Bank Savings accounts provide easy access but pay little, expose you to inflation, and interrupt compounding when you withdraw. Emergency fund alternatives aim to keep liquidity and let your money continue working. 2) How Much Liquidity Do You Actually Need? Rules of thumb (3–6 months) don't account for your real situation: expenses, income volatility, business ownership, real estate cycles, and your emotional comfort. Bruce and I coach clients to answer three questions: Cash flow cushion: If your income paused, how long until you're back on track? Asset mix & access: Where is your capital now, and how liquid is it (including taxes/penalties)? Personal margin: What amount helps you sleep at night without freezing progress? The right number blends math and emotion. Peace of mind matters because you'll only stick with a plan you believe in. Emergency Fund Alternatives for Real Estate Investors Great operators earmark a percent of rents for vacancies, repairs, and cap-ex—plus a broader, flexible reserve. Emergency fund alternatives make that reserve productive while keeping it accessible. 3) Liquidity from Cash-Flowing Assets One overlooked “emergency fund” is consistent cash flow. If assets deposit $5K–$20K/mo. into your checking account regardless of your job, you may need less static cash. Let the monthly stream cover life's bumps—while your capital base keeps compounding. Cash flow accumulates → periodically deploy to premium (more on that next) Short-term bank buffer exists, but money doesn't linger there You stay positioned for both emergencies and deals 4) Where to Store Liquidity: A Practical Comparison VehicleLiquidityGrowth/DragTaxes on AccessProsConsBank savings/HYSAInstantLow; inflation dragNo capital gains on principalSimplicity, FDICOpportunity cost; interrupts compoundingBrokerage (cash/short-term)High–moderateVariesPossible gains taxesOptional yieldMarket risk; sale can trigger taxesHELOCOn-demand (if open)House appreciates regardlessLoan (not income)Flexible; common for investorsBank approval; can be frozenCash Value Whole Life3–5 days via policy loansUninterrupted compoundingLoan (not income)Control, guarantees, death benefitMust qualify; early-year liquidity is lower Bottom line: Banks are fine for swipe-ready cash. But for meaningful reserves, emergency fund alternatives that preserve compounding and add optionality often fit better. 5) Cash Value as an Emergency–Opportunity Fund This is where Infinite Banking principles shine. Premium dollars build cash value (guaranteed growth + potential dividends) and a rising death benefit. When you need liquidity, you borrow against cash value. Your cash value keeps compounding uninterrupted while the insurer's general fund provides the loan. Result: Capital keeps working; you gain flexibility Mindset: Be both the producer and the banker in your life Governance: Treat loans like a bank would—repay with intention to restore capacity Emergency Fund Alternatives Using Whole Life Insurance Liquidity in days (not months) Access via loan documents—not a bank underwriter If you pass away with a loan outstanding, it's simply deducted from the death benefit; your heirs still receive the net 6) “But What About Loan Rates vs. Policy IRR?” Bruce said it well: I care less about a single rate and more about the system—control, flexibility, and volume of interest over time. IRR reflects long-term, policywide performance. Loan rate is what you pay while capital continues compounding inside the policy. Volume matters: The faster you repay, the less interest volume you pay—at the same rate. Meanwhile, rising death benefits and dividends work in your favor. Chasing the perfect spread can stop you from using a system designed to keep your compounding intact and your options open. 7) Real Estate, HELOCs, and Policy Loans—How They Compare A helpful analogy: a policy loan works like a HELOC on your house—the property can keep appreciating whether a lien exists or not. With cash value, your “property” is the policy: growth continues by contract, and you place a lien to access cash. Differences: Access: Policy loans are paperwork-simple; HELOCs require bank re-approval and can be frozen. Speed: Policies often fund in 3–5 business days; HELOC timing varies. Control: With a policy, you set repayment terms; with banks, they do. For investors, combining a small bank buffer, a HELOC, and cash value creates layers of redundancy—plus uninterrupted compounding. 8) Early-Year Liquidity & Design Reality Honest trade-off: in the first year(s), you won't have access to 100% of premium dollars. That early drag buys you guarantees, long-term compounding, and a growing death benefit. Design matters (base + paid-up additions) and expectations matter. Ask: Do I really need every dollar back in 30 days? Most don't. By years 3–4, well-designed policies are commonly close to dollar-for-dollar access on new premium—and rising. 9) The Two Big Mindset Shifts From Emergency to Emergency–OpportunityStop saving only for the worst. Start storing capital that can respond to anything—repairs, vacancies, investments, giving, tuition, tithing, trips. From Saver to BankerDon't just hold capital; govern it. Design rules. Repay loans. Value your capital at least as much as a bank would. This shifts you from scarcity to stewardship. Emergency Fund Alternatives That Keep You in Control The aim isn't a magic product; it's a governed system that preserves compounding, widens options, and serves your family for decades. 10) Implementation Steps You Can Start This Week Clarify your true liquidity need. Calculate 90–180 days of net cash flow needs, not just expenses. Segment reserves: Keep a thin swipe-ready bank buffer; move the rest to emergency fund alternatives (e.g., cash value). Document loan rules: When you borrow, how will you repay? From what cash flow? On what rhythm? Automate funding: Set recurring transfers to build capital consistently. Review quarterly: Check buffer size, upcoming premiums/PUAs, deal pipeline, and family needs. Think generationally: Policies on multiple family members expand access, diversify insurability, and strengthen your long-term plan. Why This Matters Your “emergency fund” shouldn't be a deadweight expense. With emergency fund alternatives, you can keep liquidity, protect your family, and maintain uninterrupted compounding. Cash-flowing assets provide monthly cushion. Cash value provides controlled access, contractual growth, and a rising death benefit. Together, they create a resilient system that handles storms and seizes sunshine. Listen In and Go Deeper Want the full conversation—including examples, loan mechanics, and our candid takes on rates, IRR, and real-world trade-offs? Listen to the podcast episode on Emergency Fund Alternatives to hear how we actually apply this with clients and in our own families.

This week on Your Real Estate Life, we break down the smartest year-end moves to strengthen your real estate and financial outlook before heading into 2026. We review the new conforming and high-balance loan limits, how holiday spending and credit behavior impact mortgage qualification, and why strategic decisions made before December 31 can improve buying power, cash flow, and long-term equity growth. You'll hear a full week-ahead economic calendar, expanded guidance on debt consolidation, interest-rate strategy, and a detailed look at today's forward loan programs, reverse-mortgage options, and HELOCs that help create discretionary freedom heading into the new year. Plus, we walk through the Money Max Account to understand interest rate vs. interest volume and how optimizing cash flow accelerates debt payoff. It's a complete, practical roadmap designed to help homeowners, buyers, and investors finish the year strong and start 2026 in a position of financial advantage. Meet Michael A. Harris, your radio host with more than 38 years of lending experience. He is the President and CEO of United Mortgage Corporation of America, a direct lending mortgage banking company operating and originating loans in California, Colorado, Montana, Texas, and Washington. Michael is passionate about helping others achieve financial comfort within their own homes. He tirelessly serves clients by eliminating years of mortgage interest. As a Senior Director and Certified Field Trainer at United Financial Freedom, Michael has dedicated himself to guiding families toward a debt-free life. In this radio program, Michael imparts invaluable advice, financial insights, and practical resources for effectively managing your loans and transforming debt into wealth. While he may not have authored the lending programs you're currently enrolled in, his objective is to enlighten you on proper repayment strategies. Though he is not a certified public accountant, attorney, estate planner, or realtor, he can connect you with top-notch professionals through his extensive business network, ensuring you receive the best possible assistance. The economy is dynamic and ever-evolving. You will encounter numerous external factors beyond your control and face challenging questions that test your knowledge. However, amidst these challenges, there are still opportunities to secure your real estate future. Start saving time and money today on your purchase or refinance with the perfect interest rate and plan tailored to you and your family. Discover how to navigate the complex loan selection and acquisition process to meet your unique needs. Break free from the grip of your landlord and start building equity through homeownership. When it comes to finding your dream neighborhood and elevating your financial status, having the right support is crucial. Find it all in this enlightening radio program today. Investment loans are available in all states except North Dakota (ND), Nevada (NV), South Dakota (SD), and Vermont (VT).

That is wild — and honestly a sign of where mortgage tech is heading fast.A three-hour closing versus three days used to be unheard of. What likely made it possible:

Your biggest wealth leak is not your spending, your income, or even your investments. It is the way your debt is structured, and nobody ever taught you how to fix it. In this episode, we sit down with Josh Mettle to break down why every entrepreneur, investor, and small business owner needs a liability advisor. Just like you have asset advisors to grow your wealth, you need someone who helps you optimize the debt side of your financial picture so you can scale faster, protect your cash flow, and create long term stability. Josh reveals why today's lending landscape is built for chaos, how interest rate cycles silently shape your net worth, why inflation destroys badly structured loans, and why most people are playing defense when they could be playing offense. We also walk through real examples of how business owners, W2 earners, and real estate investors can use HELOCs, DSCR loans, bridge loans, and non traditional financing to unlock opportunities that traditional lenders overlook. If you are serious about building wealth, this conversation will change the way you think about debt forever. And if you want to understand how much money your current debt structure is costing you, schedule a complimentary dreams and goals call with Josh's team so you can evaluate your borrowing strategy and see where the hidden opportunities are waiting for you.https://www.neoentrepreneurhomeloans.com/wealthjuice/ RESOURCES

Banks classify your life insurance as an asset, so why do so many people treat it like an expense?  In this episode, we break down how dividend-paying whole life can be your warehouse of wealth without feeding inflation like the banking system does.

Canadians have pushed HELOC borrowing to about $179 billion, rising at the fastest pace in 13 years while home prices remain flat or cooling. Homeowners are using their equity to cover rising living costs, pre-construction shortfalls, high interest debt, and cash flow gaps on investment properties, which signals mounting financial stress. HELOCs can be powerful when used for emergencies or strategic investing, but regulators warn that poor use is increasing default risk and exposing how stretched many households are.

This week's Ask Farnoosh pulls together some of the most revealing financial stories of the week, grom pandemic-era homebuyers now feeling “locked in” by their ultra-low mortgage rates, to Gen Z putting marriage, kids, and career plans on hold until they can afford a home. Farnoosh also breaks down an under-the-radar proposal from the CFPB that could weaken anti-discrimination protections in lending, a shift that could impact mortgages, auto loans, credit cards, and small-business financing.Then, she heads to the mailbag to answer listener questions:Should you borrow more on a home-equity loan to protect your savings during a renovation?How can a self-employed spouse take full advantage of a healthcare FSA?What exactly is the IRS “contract” that lets you withdraw from retirement accounts early? (Hint: SEPP/72(t) and the Rule of 55.)And if you've bought a home for your parents, are you putting your own retirement at risk? Hosted on Acast. See acast.com/privacy for more information.

In this insightful episode of Talk Law Radio, host Todd Marquardt dives into practical and strategic ways to turn home equity into opportunity. Joined by Joseph Warren of Financial Planning HQ and Tony Tylman of Mpire Financial, this conversation connects faith, financial wisdom, and legacy planning to help families protect what matters most.

Join an active community of RE investors here: https://linktr.ee/gabepetersenTURNKEY REAL ESTATE INVESTING FOR BUSY PROFESSIONALS

This week join our hosts Christian Nossum, Joanna Beecher, and Varun Jain of the Awesome Nossum Group at Wilson Realty Inc as we explain why buying a home doesn't require 20% down and we will explain all the different ways you can get your downpayment amount together. We dig into gift funds, 401k loans, HELOCs, and other smart strategies to pull together a down payment, along with how to move your money early so closing is smooth. If you like listening to the Awesome In Seattle Podcast, leave us a review. We would love to hear from you!

In this episode, we open up about the creative strategies we've discovered as female real estate investors to secure capital when traditional funding feels out of reach. We share our experiences with tapping into equity, refinancing, and leveraging our networks, along with creative financing options like seller financing and partnerships. Throughout our journey, we've learned the importance of community, due diligence, and strategic planning.We've found that accessing our own equity through refinancing or HELOCs and building strong networks has been key to uncovering creative financing options. Understanding return on equity (ROE) has helped us evaluate property performance, and partnerships have provided us with capital, though they require careful due diligence.Raising private money and exploring creative financing methods like seller financing have been game-changers for us, bridging funding gaps when needed. We've realized that community support is invaluable for sharing resources and advice, and regularly reviewing our portfolio's equity is crucial for strategic planning. These approaches have empowered us to make informed decisions and grow our investments with confidence.  Resources:Grab your seat for our webinar on November 17thCheck out Episode 197Simplify how you manage your rentals with TurboTenantGet in touch with Envy Investment GroupMake sure your name is on the list to secure your spot in The WIIRE Community Leave us a review on Apple PodcastsLeave us a review on SpotifyJoin our private Facebook CommunityConnect with us on Instagram

This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won't lend, and what alternative paths may still be available. From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Work with Jimmy & the Vreeland Capital Team to build a 20-Unit Portfolio that can get you the equivalent of a retirement account 3X faster with a third of the capital. Visit

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at news from around the mortgage industry. Plus, Robbie sits down with with Arc Home's Lee Malone for a discussion on the HELOC market: the need for it, the various products out there, and how it's being utilized across origination channels. And we close by looking at what contributed to bond yields rising.Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. 

On today's sponsored episode, HousingWire president and returning Power House host Clayton Collins sits down with Jennifer McGuinness, the CEO of Pivot Financial. With her extensive Wall Street background and her experience at Deutsche Bank, CoreVest, and WinWater, Jennifer brings unparalleled expertise to today's conversation about non-QM products and the future of mortgage securitization Clayton and Jennifer dive deep into product diversification strategies, the importance of prudent underwriting, and the innovative securitization framework that Pivot is developing to level the playing field for small and mid-sized lenders. They also tackle persistent non-QM misconceptions, explore the untapped potential of first and second lien HELOCs, and discuss how VantageScore 4.0 could reshape credit evaluation. Here's what you'll learn: Why non-QM products are essential for lender survival in today's market, not risky subprime lending How first lien HELOCs can serve as game-changing cash management tools for borrowers The real story behind VantageScore vs. FICO and what bond markets aren't telling you Pivot's revolutionary securitization framework could democratize liquidity for smaller lenders Why product innovation — not just rates and asset prices — holds the key to housing affordability Related to this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Jennifer McGuinness | LinkedIn Pivot Financial Pivot Financial | LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Gimme Some Truth, Clint and Nate dive into the world of pledged asset lines—also known as securities-backed loans. They break down how these loans work, when investors might consider using them, and how they compare to traditional lending tools like home equity lines of credit (HELOCs).You'll learn:

In this episode of the Jon Sanchez Show, Jon Sanchez, Dwight Millard, and Cory Edge discuss the impact of recent Federal Reserve decisions on mortgage rates and the housing market. They explore strategies for turning home equity into retirement cash flow, including HELOCs, cash-out refinancing, downsizing, reverse mortgages, and accessory dwelling units (ADUs). The conversation also touches on the challenges faced by the real estate market and potential solutions to stimulate growth.

In this episode of the Jon Sanchez Show, Jon and his co-hosts, Cory Edge and Dwight Millard, discuss strategies for turning home equity into retirement cash flow.They explore various options such as HELOCs, downsizing, and rental strategies, emphasizing the importance of using home equity wisely to generate income. The conversation also touches on the current market trends, including Nvidia's stock performance and the impact of AI on job markets.The hosts provide insights into the benefits and risks of different financial strategies, aiming to help listeners make informed decisions about their financial futures.Chapters00:00 Introduction and Market Overview01:51 Home Equity and Retirement Cash Flow06:38 Investment Strategies Using Home Equity11:12 Market Trends and Economic Predictions15:54 The Rise of Solopreneurship and AI Impact21:22 Conclusion and Future Outlook26:19 Navigating Commission Structures as an RIA31:02 Turning Home Equity into Retirement Cash Flow42:54 Strategies for Utilizing Home Equity44:18 Understanding Reverse Mortgages

“Fail, fail, fail”—except do it prepared. Today I'm joined by Omai Kofi—first-generation millionaire, strategist, and connector—to tear down the myths that keep people stuck. We trace her journey from welfare and odd jobs to 111 documented income streams and real ownership, including the “food-stamp card” identity shock, the 2015 pivot into investing, and how she engineered an environment that pulled her up instead of holding her down.Omai breaks down wealth vehicles that compound your efforts: infinite banking (using properly structured whole life to recapture dollars), real-estate equity plays (HELOCs, cash-out refis), and the principle that money should make more money than your labor. We talk heart-set vs mindset, why courage and preparation beat hype, and how to curate rooms with people who talk wealthy, act wealthy, and build durable systems.We also get brutally honest about accountability—including a missed mortgage payment that nuked a pristine credit score by 110 points, and the exact framework she used to reverse it without lying or blaming. If you're tired of feast-or-famine and ready to build an affluent environment, this is your field manual: tell the truth, upgrade your circle, practice relentlessly, and let capital do the heavy lifting.Check out Dr Omai's website: https://omainetwork.com/bio/Subscribe for full conversations and weekly clips.Share this with someone who needs it today.Comment your biggest takeaway.Sponsor:Order our LOW ACID COFFEE “THE BROADCAST BREW.” Thank you to Cool Beans Coffee Brewery for your partnership.Link: https://www.coolbeanscoffeemi.com/product-page/broadcast-brew-low-acid-blendAboutOur mission is authentic conversation with interesting people across personal growth, entrepreneurship, and lifestyle improvement while keeping it entertaining and informative.SocialsTwitter: https://twitter.com/imdillonenglandLinkedIn: https://www.linkedin.com/in/dillonmengland/Facebook: https://www.facebook.com/dillon.england.5Instagram: https://www.instagram.com/thedillonenglandshow/Become a supporter of this podcast: https://www.spreaker.com/podcast/the-dillon-england-show--6370921/support.

October 20, 2025 | Season 7 | Episode 39Fear is loud, but context is louder. We open with the classic wall of worry and show why widespread crash talk can be oddly protective, then parse what actually matters now: a Fed tilting to cuts, resilient big-bank earnings, and a stealth risk that portfolios are measured in weakening dollars, not just rising prices. Along the way, we size up tech's towering influence—more than a quarter of the S&P 500 in four names—and the uncomfortable truth that many index investors are taking a bigger tech bet than they realize.From there, we get practical. If you're approaching retirement, sequence risk is the shark you can't see. We lay out a simple plan to sleep better: calculate your net annual withdrawal need and hold roughly ten years of it in short-term and intermediate high-quality bonds. That reserve lets you ride out drawdowns without selling stocks at the worst time. We also cover liquidity tactics for illiquid portfolios—think HELOCs as a safety valve—plus how to audit a household budget after 60 and why Social Security deferral can be the highest-return decision you make, with survivor benefits that can extend the upside for a spouse.We widen the lens with timely market currents: trade negotiations with China, a key CPI release, PMI updates, and a dense earnings week that can sway sentiment. Gold's powerful breakout takes center stage as central bank buying, softer real yields, and currency diversification fuel new highs, while we caution against treating any hedge as a hero. For balance, we spotlight a defensive equity idea: staples like Colgate, with global brands, entrenched distribution, and steady dividends, as a counterweight to an AI-driven market. The throughline is resilience—diversify beyond mega-cap tech, reintroduce international exposure and equal-weight strategies, fund a decade of withdrawals safely, and protect your ability to choose patience over panic.Enjoy the show, then take a moment to review your allocations, cash buffers, and income timing. If this helped, follow, share with a friend who's rethinking risk, and leave a quick review so more investors can find us.** For informational and educational purposes only, not intended as investment advice. Views and opinions are subject to change without notice. For full disclosures, ADVs, and CRS Forms, please visit https://heroldlantern.com/disclosure **To learn about becoming a Herold & Lantern Investments valued client, please visit https://heroldlantern.com/wealth-advisory-contact-formFollow and Like Us on Youtube, Facebook, Twitter, and LinkedIn | @HeroldLantern

Karen & Janet start the podcast with buying and rental opportunities throughout Ventura County. Beautiful homes you can call your own.  Joe Parisi from Rate Home Mortgage is the first guest, Joe has great news on rates, as they continue to trickle down as he takes a deep dive into how the Fed's actions and decisions on rates for mortgages & HELOCS.  Joe also talks about The Consumer Price Index and inflation numbers.  Wrapping up the podcast is Blas Hernandez, who is an expert in Group Health Insurance with 26 years of experience in Ventura County. Blas is here to protect small business clients so they can create health care plans, finding the ones that help the business and the individuals who work there, Blas has the facts you need.  Another awesome podcast with Karen & Janet, Girls On The air!

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it's a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clark has to say about HELOCs and home equity loans. Clark Stinks: Segments 1 & 2 Home Equity Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Term Life vs. Whole Life Insurance: Understanding the Difference 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? Report: 10 Used Cars With Big Price Drops HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Is a HELOC a Good Idea? The Simple Answer How To Buy a House in 9 Steps What to know about online purchases and tariffs Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people obsess over “rate of return”, but they miss the banking process that controls every dollar in their life and how to leverage that same dollar to make more.  Book: Life Without The Bank by Mary Jo Irmen

My Fintech Newsletter for more interviews and the latest insights:↪︎ https://rexsalisbury.substack.com/Figure's CEO Michael Tannenbaum shares how blockchain is transforming home equity and mortgage lending following one of the year's biggest IPOs. Learn about Figure's journey from a contrarian startup to market leader, real asset tokenization, and rapid loan closures. Explore how partners use their tech to save time and money, tackle standardization and audits, and navigate industry criticism. Get insights on blockchain's future in finance, tokenized equities, and the evolving DeFi landscape.Michael Tannenbaum: https://www.linkedin.com/in/michaeltannenbaum/00:00:00 - Figure's Massive IPO and Blockchain Vision00:00:41 - Revolutionizing Home Equity Access00:01:07 - Blockchain's Key Benefits in Finance00:01:43 - Why Consumers Care About Housing Innovation00:02:43 - Slashing HELOC Costs and Timelines00:03:49 - Shifting from Credit Cards to Home Loans00:05:02 - Boosting Secondary Market Liquidity00:06:30 - From Proof of Concept to $10B+ Loans00:07:55 - Why Start with HELOCs as Green Field00:09:21 - Tokenizing Assets Post-2008 Lessons00:10:29 - Avoiding ICO Hype for Long-Term Build00:11:46 - Scaling with 170+ Partners00:13:14 - Launching Pure Marketplace Model00:14:32 - Evolving to First-Lien Mortgages00:15:46 - Attacking Core Mortgage Market00:17:16 - Penetrating Mass Affluent Demographics00:18:35 - How Blockchain Ensures Efficiency00:20:10 - Immutable Data Cuts Audit Needs00:21:42 - Perfecting Liens with DART Tech00:23:34 - Comparing to Unsecured Loan Markets00:25:28 - Addressing Banker Adoption Risks00:27:03 - Flywheel of Growth and Evangelists00:28:48 - Stablecoin Settlement Advantages00:30:01 - Automating Servicing and Prepayments00:31:37 - Responding to Decentralization Critics00:33:05 - Connecting Assets to DeFi Future00:34:39 - Tokenizing Equity for Cross-Collateral00:35:40 - Democratize Prime: DeFi Marketplace___Rex Salisbury LinkedIn:↪︎ https://www.linkedin.com/in/rexsalisburyTwitter: https://twitter.com/rexsalisburyTikTok: https://www.tiktok.com/@rex.salisburyInstagram: https://www.instagram.com/rexsalisbury/

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through the impact of a government shutdown on the mortgage industry. Plus, Robbie sits down with Spring EQ's Reno Heine for a discussion on when and why loan originators should consider HELOC and HELOAN products for clients, key factors in choosing between them, and the future outlook for second mortgages. And we look at the latest influences on both the Fed and mortgage rates.This week's podcasts are sponsored by Spring EQ, one of the nation's leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.

Debt is the #1 roadblock to financial freedom, and if you're serious about buying a home, investing in real estate, or simply building wealth, you need a clear plan to crush it. In this episode of The CT Real Estate Edge Podcast, Rob Weinberg breaks down proven debt payoff strategies, the psychology behind why debt keeps people stuck, and how homeowners can use tools like HELOCs, cash-out refinances, and shared equity programs to accelerate the journey to freedom. Discover: ✅ Why debt holds back both future buyers and current homeowners. ✅ Snowball vs. avalanche payoff methods—and which one is right for you. ✅ Real client success stories of debt elimination leading to homeownership. ✅ How to pay down debt without giving up your lifestyle. ✅ When it's smart to use leverage strategically (and when it's not). If you're ready to eliminate debt and position yourself for wealth, this episode gives you the roadmap to get started.

Crypto Is Boring, For Now. So Let's Talk Precious Metals. #Crypto #Cryptocurrency #podcast #BasicCryptonomics #Bitcoin #Gold #Silver #Palladium #Platinum #Copper Website: ⁠⁠⁠⁠https://www.CryptoTalkRadio.net⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠@ThisIsCTR⁠⁠⁠⁠ Discord:⁠⁠⁠⁠ @CryptoTalkRadio⁠⁠⁠⁠ Chapters (00:00:01) - Crypto Talk Radio(00:01:54) - Bitcoin: Middling, but Not Boring(00:05:26) - Will There Be a Supply Crunch on Copper?(00:08:12) - Precious Metals(00:13:54) - Crypto Money: Rare Metals as a Collection Item(00:21:07) - HELOCs and the Fed(00:27:13) - Consider precious metals

In this conversation, Scott Richerson shares his journey into the real estate and private money lending space, discussing the importance of understanding market dynamics, the rise of DSCR loans, and strategies for successful real estate investment in Texas. He emphasizes the significance of buying properties correctly and the need for investors to be adaptable in a changing market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

On this episode, we draw surprising parallels between woodworking mishaps and managing your 401(k)—showing how even tiny mistakes can turn into big problems over time. We dive into the hidden impact of investment fees, the importance of planning for risk versus reward, and how small tweaks in fund selection can make a massive difference for your retirement. The conversation goes into the evolving value of homeownership in today's economy, exploring whether renting might make more sense for some families. A live caller joins to ask about leveraging equity in a fourplex, sparking a deep discussion about refinancing, HELOCs, self-directed IRAs, and building long-term rental income. In the second hour, we also tackle financial fraud and scams targeting everyday investors (and seniors) and share cautionary tales about self-directed IRAs, gold schemes, and annuity traps.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through the latest tariff news and other government happenings as they pertain to the mortgage industry. Plus, Robbie sits down with Angel Oak's Tom Hutchens for a discussion on the impact of the Fed's rate cuts on mortgage activity and the potential for increased demand for non-QM products like HELOCs. And today brings the latest inflation reading in the form of Fed-favorite PCE.This week's podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. 

What if you could unlock the value in your home without taking on more debt? In this episode of The Property Profits Podcast, Dave Dubeau sits down with Jake Kelley and Michael Carpentier from Vesta Equity to explore a new way homeowners can access their equity—debt-free. Jake and Michael explain how their platform allows homeowners to convert a portion of their home equity into cash without monthly payments, while giving investors a chance to participate in the growth of U.S. housing. They break down real-life examples, compare this option to reverse mortgages and HELOCs, and reveal how their approach is especially helpful for retirees, entrepreneurs, and those turned down by banks. If you've ever wondered how to put your home's equity to work without adding financial stress, this episode is for you.   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

In this financial reality-check episode of Rethink Real Estate, host Ben Brady sits down with Alan Franks, founder of The Mill Financial Partners and author of Empowered Money, to talk money, mistakes, and how real estate professionals can get serious about their future. Alan doesn't hold back—calling out the traps many independent contractors fall into and laying out how to actually build wealth in an inconsistent commission-based world.They cover everything from the psychology of financial planning to tactical moves like using HELOCs, how to think about opportunity cost, why owning a home might not be the best investment, and how to position your portfolio across real estate, equities, and yes—even crypto. Alan also dives into tax strategy, the impact of bonus depreciation, and how agents can set retirement goals that are actually achievable (and not just based on dreams of “hitting a number”).Whether you're living deal-to-deal or looking to make smarter moves with growing income, this conversation will challenge the way you think about money, retirement, and real estate investing.⏱️ Timestamps & Key Topics[00:00:00] – Why we brought a financial planner onto a real estate podcast[00:01:58] – Where most independent contractors fall short with finances[00:02:55] – Realtors: Are you actually using your tax benefits?[00:04:00] – How to reverse engineer your retirement plan[00:05:20] – What most agents get wrong about income, goals, and lifestyle[00:07:00] – Should you check your financial plan more often than your listings?[00:08:00] – S&P index funds, meme stocks, and crypto: where agents get distracted[00:10:50] – Is your home actually a good investment? A harsh look at equity[00:14:00] – How wealthy people use leverage and debt (smartly)[00:17:02] – Airbnb crash, hard money lending, and safer 2025 bets[00:22:10] – The 4% rule? Alan's take on retirement income strategies[00:23:30] – Why “just dump it into dividend stocks” isn't the full answer

Alan Franks - The Deal That Changed My Life In this episode of The Deal That Changed My Life, we welcome back Alan Franks, Certified Financial Planner, author of Empower Money, and real estate investor based in Atlanta, Georgia. Alan shares the real estate deal that changed everything for him—a $235,000 starter home purchased in 2015 that became the springboard for building a portfolio of rental properties, Airbnbs, and duplexes. What started with a $10,000 loan from a life insurance policy turned into a wealth-building strategy that leveraged equity, rental income, and HELOCs to create long-term financial freedom. We dive into: How Alan used whole life insurance to fund his first real estate deal Turning one property into multiple rentals and Airbnbs The role of passive income (and why real estate isn't always truly passive) Using leverage and syndications to grow wealth How real estate fits into an overall financial plan Whether you're a first-time homebuyer, an aspiring real estate investor, or someone looking to expand your portfolio, Alan's story is a powerful example of how one deal can truly change your life.

Property insurance costs are now the fastest-growing housing expense, up 70% in just five years and nearly 10% of the average mortgage payment. In this episode, Kathy Fettke breaks down the latest ICE Mortgage Monitor, including why insurance is outpacing mortgage and tax costs, how home prices and foreclosures are shifting, and what falling HELOC and refinance rates mean for homeowners and investors navigating today's affordability crunch. JOIN US AT OUR RealWealth® EVENT:  www.realwealth.com/1031  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://mortgagetech.ice.com/resources/data-reports/september-2025-mortgage-monitor 

Will a Fed rate cut really make a difference? There is a lot of noise right now about whether the Federal Reserve will cut rates by 25, 50, or even more basis points. But the real question is not just if they cut, it is why they are cutting and how markets will interpret it. In this episode, Jeannette Friedrich breaks down what a rate cut actually means, which parts of the economy it touches, and where the real impact may (or may not) show up. Key Takeaways: - What the Fed really controls: The federal funds rate affects short-term borrowing costs like credit cards, auto loans, and HELOCs, but not directly mortgages. - Why mortgage rates do not move in lockstep: Mortgages are tied to the 10-year Treasury yield and inflation expectations, not the Fed's policy rate. - Market perception matters: A proactive cut can boost confidence, while a reactive cut may signal trouble and spook markets. - Lagged effects: Any impact from rate cuts plays out over months, not days. - Winners and losers: Borrowers with variable-rate loans may benefit, while savers could see returns on CDs and money market accounts decline. - The bottom line: Rate cuts are more about signaling than substance. The key is asking why the Fed is cutting and how markets interpret the move. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

You've probably heard the buzz: the “One Big, Beautiful Tax Bill” was officially passed on July 4th—and it's packed with major changes for business owners. But what does it actually mean for your 2025 tax return? In this episode, Barbara breaks down the bill in plain English (no IRS jargon here!) and shares how these new deductions, credits, and loopholes can save you thousands—if you know how to use them.She also shares why this moment is a turning point in tax strategy, who wins big (spoiler: creators and high-tax state residents), and what business owners need to shift now to take advantage. Tune in to hear:What's actually in the new tax bill and why it matters for small business ownersThe massive QBI deduction extension and how it saves you 20%The increase in SALT deductions (hello, Californians + New Yorkers

 In this episode of The Personal Finance Podcast, we break down everything you need to know about HELOCs (Home Equity Lines of Credit)—what they really are, how they differ from traditional mortgages, and why the popular "velocity banking" strategy to pay off your mortgage faster delivers minimal benefits with maximum complexity. We explore the math behind using a HELOC to chunk down mortgage payments versus simply making extra principal payments, revealing that the supposed benefits are often overstated and come with significant variable-rate risks that could jeopardize your home. Get the HELOC Ultimate GUIDE Here! Watch this episode on Youtube. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/   Links Mentioned in This Episode: 10 Home Renovations That Are Worth The MONEY! - Money Q&A Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through why ARM production has shot up. Plus, Robbie sits down with NFTYDoor's Mark Schacknies for a discussion on the reshaping ofmortgage lending: from lightning-fast HELOC approvals and real-time AI underwriting to a human-plus-tech model that prioritizes loan officers over direct-to-consumer disruption. And we close by going through what to expect from the Fed's Jackson Hole meetings this week.Headquartered in Austin, Texas, FirstClose, Inc. provides fintech solutions to HELOC and mortgage lenders nationwide.  The company's mission is to increase profitability and reduce cost for mortgage lenders. FirstClose makes this possible through offering systems and relationships that enable lenders to assist the lender's borrowers more effectively, reduce closing costs, and ultimately shorten closing times. For more information, visit firstclose.com.

Empowered Money: Creating Your Own Wealth Strategy with Alan Franks - #247

U.S. household debt just hit a record $18.39 trillion in Q2 2025, according to the latest New York Fed data. Mortgage balances, HELOCs, credit cards, auto loans, and student debt are all climbing—and delinquencies are rising fast. In this episode, Kathy Fettke breaks down the numbers, explains what's driving the surge, and shares what it could mean for real estate investors. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCES: https://www.newyorkfed.org/microeconomics/hhdc  https://www.pymnts.com/consumer-finance/2025/household-debt-rises-to-18-39-trillion-as-auto-mortgage-originations-tick-up/ 

In this special HerMoney Mailbag episode, Jean Chatzky is joined by financial feminist icon Tori Dunlap, founder of Her First $100K and host of the Financial Feminist podcast. Tori returns to tackle some of your most pressing financial dilemmas.

What if you could shave 15 years off your working career? Whether you love your job or hate it, having the option to retire early on a schedule you choose is something we are all working toward. Thankfully, you don't need 100 properties to do it. Today's guest did it with 15, slowly building a rental property portfolio and recycling his home equity so he could scale faster and reach financial freedom sooner. Tony DeGiacomo lived with his parents for years while buying rentals. Every single dollar he made was designated for a new rental property. He knew his goal: long-term wealth through real estate, even if it took some time. Some twenty years later, he's got 15 properties, 30 or so units, and could comfortably live off the cash flow of his first property purchases. How'd he scale his respectable portfolio? Using HELOCs (home equity lines of credit) to turn one rental into multiple. Today, he talks about the even bigger deals he's doing, how to make money before, during, and after a crash, and the reason he's switched from buying to building properties for better returns. Tony can comfortably retire at 50, but will he when he's having so much fun with real estate? No matter what he chooses, you can follow his “formula” to retire over a decade earlier. In This Episode We Cover How to retire 15 years earlier with a small (but scalable) rental portfolio  How to use HELOCs (home equity lines of credit) to invest in rentals faster  Why it's crucial to have active income to buy real estate (DON'T quit your day job!) Building and converting commercial properties into rentals   Why real estate is the best “get rich slow” scheme for regular people  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1153 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 567 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, sits down with Jerry Byers to uncover a golden opportunity that's catching many LOs by surprise — homeowners whose HELOCs are now resetting. These borrowers are about to experience a major payment shock, and most don't even realize it's coming. Carl and Jerry break down how you can identify these homeowners (even if you didn't do the original loan), what to say when you reach out, and how to offer solutions that truly help — while also adding to your monthly volume. If you're looking for a timely, targeted way to generate refinance business in today's market, this episode maps out the exact strategy that top producers are already using. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

You can still get rich buying “boring” rental properties. Today's guest pockets $6,800 in pure cash flow every month and is building an enormous amount of equity in four small multifamily rentals, and he's not doing anything YOU can't do. You don't need a ton of money or even the flashiest investing strategy—you just need to get started and play the long game! Welcome back to the Real Estate Rookie podcast! Ryan Allsop hated paying rent—so much so that he bought his first rental property without really knowing what he was doing. But with some rookie-level analysis and savvy networking, Ryan found that first duplex, which has been his “cash cow” ever since. Then, Ryan used home equity lines of credit (HELOCs) to scale a real estate portfolio that delivers nearly $7,000 in combined monthly cash flow! Want to copy Ryan's success? In this episode, he'll show you the steps he took to go from complete beginner to confident investor in no time. You'll learn about the real power behind buy and hold investing, a lucrative Airbnb side hustle you can use to fund deals faster, and a surprisingly effective way to negotiate with sellers—without ever picking up the phone! In This Episode We Cover How Ryan makes $6,800 in monthly cash flow with just four rental properties Using the buy and hold strategy and “delayed gratification” to pay your future self Scaling your real estate portfolio through home equity lines of credit (HELOCs) Critical mistakes to avoid when hiring a contractor for your renovation projects The easiest (and cheapest!) way to find off-market properties for sale Living for free by having someone else pay down your mortgage for you And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-587 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Homeowners have access to a record-breaking $35 trillion in home equity. With interest rates uncomfortably high, tapping into that wealth has become complicated. Traditional options like HELOCs and second mortgages are expensive, and new companies are pushing "Home Equity Investments" (HEIs)—deals that often seem too good to be true. On this episode, we break down all your options for accessing your home equity, from understanding the risks of HEIs to exploring the pros and cons of reverse mortgages, HELOCs, and traditional second mortgages. Learn how to unlock your home's cash without risking your financial future.

Want to retire early? You don't need millions of dollars in stocks, retirement accounts, or cash to do it. You might just need a handful of rental properties. Today's guest, Paul Novak, only started investing four years ago in 2021, but he's already nearly at his early retirement goal through rental property investing. He may only need one or two more rentals to fully retire in his mid-40s. Want to trim twenty years off of your working career? Follow Paul's plan! After realizing that stock investing could only get him to retirement so fast, Paul knew he needed a better path to early retirement. He thought real estate could be the answer. The problem? This was 2021, where every house was going over asking and competition was steep. He finally got a deal done after previous ones fell through and found he was already making 10 times more money than his stocks were giving him. It became a no-brainer to repeat the strategy. Fast forward to 2025, Paul has five rentals, with seven units in total, and he's nearly at his cash flow goal to retire from his job. He did it all through some very creative rental financing. One more rental could unlock the holy grail: early retirement, time freedom, and plenty of passive income. And this is just four years into his investing journey!  In This Episode We Cover How to retire early in just ten years with boring, repeatable rental deals  401(k) loans, HELOCs (home equity lines of credit), and other ways to fund your rentals Why interest rates don't matter as much as you think they do  How to run your numbers on rentals so you're ALWAYS making money  Why you don't need a dozen or more rentals to reach financial freedom  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1123 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices