Podcasts about money school

Most business owners do not realize they have outgrown their accountant until the tax bill becomes impossible to ignore. The person who helped you when the business was small may have been perfectly fine at that stage. But as revenue, profit, assets, investments, and complexity grow, tax preparation is no longer enough. At a certain point, the business does not just need someone to file the return. It needs real tax planning. In this episode of Money School Elite, I sit down with Boris Musheyev, a tax strategist who works with seven-figure and multi-seven-figure business owners, to talk about the difference between having a tax preparer and having a tax advisor. Boris explains why so many business owners are introduced to "tax planning" too late in the year, why retirement contributions are not a complete strategy, and why your advisor needs to understand the level of income, complexity, and tax exposure you are dealing with. We also get into some of the bigger structural strategies business owners should understand, including real estate, short-term rentals, oil and gas, charitable giving, donor-advised funds, and the importance of choosing strategies that fit your actual business and goals.   About the Guest  Boris Musheyev is the owner of BORISMTAX, a tax and accounting firm specializing in tax planning and strategy for entrepreneurs and business owners. They use proven tax strategies to save their clients tens of thousands of dollars on taxes every year when implemented correctly. BORISMTAX personalizes each strategy to ensure that their client's family and business situation is thoroughly examined to maximize tax savings. Their team is made up of high-performing professionals who take diligence and care in every step of the process when handling clients' taxes. They believe that accounting is more than just being correct; it's being strategic, proactive, and maximizing tax savings. In our firm, we have one goal and one goal only: to commit to doing everything in our power to help our clients to LEGALLY reduce taxes and take home more of their hard-earned money. Free Training: save100know.com  Boris M. Tax: https://borismtax.com/ Boris Musheyev on LinkedIn: https://www.linkedin.com/in/boris-musheyev-cpa/   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Kevin O'Leary is back on Money Rehab, and this time he's changed his tune on crypto. Nicole presses "Mr. Wonderful" on his wild reversal: from owning 27 coins to just two, why he thinks the real money is now in power infrastructure, and why the Clarity Act could break Bitcoin's price ceiling. Kevin also gets into the messy, litigious world of data centers, including the lawsuits, the death threats against his own family, and where he thinks the money trail leads. Then things get personal: his $5 million "you're not wealthy until" rule, the eye-popping story behind the $35 million outfit he wore to the Oscars, and which Shark he'd call to bail him out of jail. Of course, no Kevin O'Leary episode is complete without a fight, so Nicole and Kevin reignite their $28 sandwich debate and reach a truce… Almost. Start investing investing at SoFi.com/MNN  Check out Nicole's financial literacy course ⁠The Money School⁠  Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠  Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠  Here's what Nicole covers with Kevin: 00:00 Are You Ready for Some Money Rehab? 01:25 Kevin O'Leary Returns (RIP Labubu) 02:05 Confessions of a "Social Media Whore" 04:33 Buying Longevity: The Ozempic Debate 07:30 Wealth, Health, and Sleep Optimization 08:45 Inside Kevin's Lawsuit Playbook 14:00 Foreign Adversaries and the Data Center Wars 15:19 Debunking the Data Center Water Myth 19:19 From 27 Coins to Just Two: Kevin's Crypto Reset 23:55 The Quantum Computing Threat to Bitcoin 26:36 Kevin's New Bitcoin Price Target 29:01 Why Power, Not Crypto, Is the Real Trade 33:07 Should You Still Buy Crypto Right Now? 34:41 The Kidnapping Risk Nobody Talks About 36:28 The Money Bag: Financial Envy 38:01 The $5 Million Rule for Feeling Wealthy 40:15 Why Kevin Refuses to Google His Net Worth 42:23 The $35 Million Oscars Outfit 49:19 Passing Down Collectibles (and the Tax Trap) 51:40 Who Bails Kevin Out of Jail? 58:56 Kill, Marry, Fire: Pelosi, Holmes, and Cathy Wood 1:03:55 Data Center Death Threats 1:04:16 Round Two: The $28 Sandwich Fight 1:10:42 Kevin O'Leary's Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Most investors think wholesaling is just the entry-level side of real estate. At the strategic level, the better conversation is about deal flow. Because in a market where seller motivation is rising, buyers are more selective, and many casual wholesalers have left the business, the opportunity is different from what it was a few years ago. The edge is not simply finding properties. It is knowing how to identify distress, control the contract, understand buyer demand, and move before the rest of the market sees the opportunity. That is where wholesaling becomes more interesting than most investors assume. A lot of people dismiss it because it can be transactional. And if the business depends entirely on chasing the next assignment fee, that criticism is fair. But when it is built as a system, wholesaling can become a deal-flow engine — one that creates income, sharpens acquisition judgment, and gives investors a first look at opportunities they may eventually want to own. In this episode of Money School Elite, I sit down with Chris Logan to talk about why this may be one of the strongest wholesaling windows in years, how virtual wholesaling has changed the game, and why motivated seller access matters more than ever. This is not a conversation about quick cash. It is about using wholesaling to build access, discipline, and opportunity in today's real estate market.   About the Guest Chris Logan is the Co-Founder of Virtual Wholesaling Made Simple, where he helps aspiring real estate investors learn how to wholesale their first house virtually. Through his simple, action-focused approach, Chris shows people how to find motivated sellers, build buyer relationships, and land deals without needing a team, prior experience, or a large marketing budget. He is especially passionate about helping people get started while they still have full-time jobs, showing them how to build momentum with practical systems, consistent conversations, and as little as $1,000 a month in marketing. His work is designed to make virtual wholesaling accessible, repeatable, and realistic for people who want to use real estate as a path toward higher income, freedom, and long-term opportunity. To join the Facebook group, visit virtualwholesalingmadesimple.com/joingroup or find Chris on Facebook or Instagram.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast      

Serina is joined by returning guest Lacey Filipich, award‑winning financial educator, author and founder of Money School. Together, they unpack why financial literacy is still so challenging for many Australians, why it's a global problem, the difference between financial counselling and financial advice, and how finfluencers are reshaping the landscape - for better and worse. Lacey also discusses a new white paper she co-authored on strengthening adult financial capability. Topics Covered Financial literacy gaps in Australia Financial counselling vs financial advice How financial stress affects decision‑making The rise (and risks) of finfluencers Why independent financial education matters Lacey's new white paper on money coaching. About Lacey Filipich Lacey is a financial educator, TEDx speaker, bestselling author and founder of Money School. She teaches practical money skills to adults and parents and is a co‑author of a new white paper on improving financial capability in Australia. Resources White Paper: Financial Capability for All  National Debt Helpline (for free financial counselling)  Money School 

Serina is joined by returning guest Lacey Filipich, award‑winning financial educator, author and founder of Money School. Together they unpack why financial literacy is still so challenging for many Australians, why it's a global problem, the difference between financial counselling and financial advice, and how finfluencers are reshaping the landscape: for better and worse. Lacey also discusses a new white paper she co-authored on strengthening adult financial capability. Topics Covered Financial literacy gaps in Australia Financial counselling vs financial advice How financial stress affects decision‑making The rise (and risks) of finfluencers Why independent financial education matters Lacey's new white paper on money coaching. About Lacey Filipich Lacey is a financial educator, TEDx speaker, bestselling author and founder of Money School. She teaches practical money skills to adults and parents and is a co‑author of a new white paper on improving financial capability in Australia. Resources White Paper: Financial Capability for All  National Debt Helpline (for free financial counselling)  Money School 

In today's market, investors with real capital are facing a difficult problem. They do not want to be reckless. Equities feel expensive, private credit has shown signs of stress, rates remain elevated, and the usual recession signals have been flashing for longer than many expected. But they also do not want to hide in safety so long that they give up years of compounding. That is where the conversation around risk has to get more precise. The question is not simply whether to be in or out of the market. It is how to structure capital so you can stay rational, preserve optionality, and still earn meaningful returns. In this episode of Money School Elite, I sit down with Tad Fallows, co-founder of Long Angle, a peer-to-peer community for first-generation wealth creators, entrepreneurs, executives, and investors with significant investable assets. Tad brings a useful perspective on how high-net-worth investors are thinking about allocation, liquidity, leverage, public equities, private markets, and risk in the current environment. We talk about why dry powder is not just defensive, why owning stocks only works if you still think like an owner, and why diversification should reduce fragility, not simply lower returns. This is not a conversation about predicting the next recession. It is a conversation about building the structure, discipline, and decision-making framework required when capital is actually at stake.   About the Guest Tad Fallows is an entrepreneur, investor, and co-founder of Long Angle, a peer-to-peer community for first-generation wealth creators and high-net-worth investors. Before starting Long Angle, Tad spent 10 years building a SaaS company, taking it from the startup stage through growth to a successful acquisition. That experience gave him firsthand insight into the pressure of building a company, managing concentrated risk, and eventually making the transition from operator to capital allocator after a liquidity event. After his exit, Tad began navigating the questions many successful entrepreneurs face once their wealth becomes more complex: how to allocate capital, manage portfolio risk, think about taxes and estate planning, evaluate private markets, raise children with wealth, and find advice that is both sophisticated and unbiased. That journey led him to co-found Long Angle, a community designed for people with meaningful capital who want peer-driven insight rather than sales-driven financial advice. Today, Tad works closely with entrepreneurs, executives, investors, and other first-generation wealth creators, giving him a unique view into how high-net-worth individuals think about risk, liquidity, ownership, leverage, and long-term wealth stewardship. Visit longangle.com to learn more, or https://www.longangle.com/apply to apply or connect with Tad on LinkedIn.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

For many business owners, one of the biggest missed wealth opportunities may already be sitting inside the business. Technology upgrades, software implementation, equipment, and operational improvements. These are the kinds of investments owners are already making to grow, modernize, and stay competitive. But in many cases, they may not just be expenses or deductions. They may create R&D tax credits. A deduction lowers taxable income. A credit can reduce taxes dollar for dollar. For an owner with meaningful income, that is not a small accounting detail. It is capital that can stay inside the system, be redeployed, invested, protected, or used to build long-term personal wealth. Wealth does not only leak through bad investments. It also leaks through taxes that were never strategically addressed, retirement income plans that rely too heavily on average returns, and capital that leaves the system before it ever has the chance to compound. The question is not simply how much money you make, how much you save, or whether the market performs over time. It is how much capital you actually keep, how intelligently that capital is structured, and whether your wealth plan can hold up when taxes, volatility, timing, and life events collide. Derick Van Ness is the founder of Big Life Financial, where he helps business owners turn business income into personal freedom, long-term security, and legacy through advanced tax and financial strategies. In this episode, he breaks down why R&D tax credits are not just for laboratories, tech companies, or large corporations. We also talk about the retirement problem many investors underestimate: not whether markets go up over time, but what happens when you need income during a down year and are forced to sell impaired assets. Derick walks through how volatility buffers can help protect income planning when timing, markets, and withdrawals collide.   About the Guest Derick Van Ness is the founder of Big Life Financial, where he helps business owners turn business income into personal freedom, long-term security, and legacy through advanced tax and financial strategies. Derick specializes in working with small business owners, including dentists, chiropractors, auto shop owners, and other service-based entrepreneurs who are earning well but may not yet have the systems in place to turn income into lasting wealth. His work focuses on helping owners reduce unnecessary tax leakage, uncover overlooked opportunities, and build strategies that allow more capital to stay productive. Over the course of his career, Derick has worked with more than 2,500 businesses across the U.S., identifying strategies many owners never see and helping them create stronger financial outcomes. His perspective is especially useful for business owners who want to move beyond simply making money in the business and start using the business as a vehicle for personal freedom, wealth preservation, and legacy. Get an R&D tax credit estimate: https://biglifefinancial.com/money-school-credits Learn more about Big Life Financial: https://biglifefinancial.com/       About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most investors think real estate performance comes down to the asset. At the high-net-worth level, the more important conversation is often about control. Because a deal is not just a building, a market, or a projected return. It is an operating system. Who manages the property? Who controls leasing, maintenance, marketing, resident communication, and costs at the asset level? Who can make decisions quickly when the market tightens, and the assumptions in the original deck no longer hold? That is where real estate investing starts to look very different. A lot of investors were comfortable allocating capital during the easy-money years because deals looked strong, liquidity was flowing, and exits felt predictable. But in a tighter market, the difference between passive ownership and true operating control becomes much more obvious. In this episode of Money School Elite, I sit down with Michael Pouliot of Carbon Real Estate Investments to talk about workforce housing, vertical integration, AI, capital raising, and what real estate operators need to get right in the current cycle. Michael brings a rare combination of Wall Street training, real estate operating experience, and long-term ownership thinking. This is not a conversation about chasing yield or finding the next hot deal. It is about how serious investors should evaluate structure, execution, risk, and time horizon before they put capital to work.   About the Guest Michael Pouliot is the CIO of Carbon Real Estate Investments, where he helps acquire and operate workforce apartment communities across the Southeast, with a focus on 100–300 unit B/C-class properties in secondary markets where institutional capital rarely competes. Michael brings a rare combination of Wall Street training and hands-on real estate operating experience. As a CFA and CAIA charterholder, he spent his early career analyzing distressed assets for Blackstone, Merrill Lynch, and notable family offices, as well as allocating capital for J.P. Morgan's Private Bank. Over the past 15 years, he has built institutional-grade underwriting and operational systems for middle-market multifamily investments. That combination of analytical rigor and operating discipline has helped generate 20%+ IRRs across 15+ repositioned assets, more than 3,000 units, and over $75 million in equity successfully deployed and managed. At Carbon, Michael and his team focus on acquiring underperforming workforce apartment communities in Sunbelt secondary markets. They create value through vertical integration, professional management, capital-efficient renovations, and disciplined operations. Website: investwithcarbon.com Podcast: Deal Flow Connect with Michael on LinkedIn.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Why does doing more research make investors more confident in the wrong decision, why do warning labels often invite the very risk they're meant to prevent, and why might a friendlier robo-advisor actually produce worse investing behavior?In this episode of Insight is Capital™, Pierre Daillie sits down with Dr. Preet Banerjee — personal finance expert, founder of Money School, and Globe and Mail behavioural finance columnist, to unpack the psychological wiring beneath everyday investing decisions. From the "cue recall simulation loop" that distorts how investors remember their own portfolio returns, to research showing that useless new information makes people more confident (not more correct), to the counterintuitive finding that warning labels can make risky products more desirable, this conversation maps the gap between what investors think they're doing with their money and what's actually steering the wheel. Preet also explains why robo-advisors with more "human" interfaces see worse adherence to their own advice, how disclosure and judgement anxiety shape client behaviour, and why clients using ChatGPT before a meeting may end up valuing their advisor's guidance more, not less.Chapters00:00 Open: The Hidden Psychology of Money 01:26 Meet Dr. Preet Banerjee 01:58 Life in London and the Advisor App Store 07:23 From Neuroscience to Behavioral Finance: Preet's Path 12:48 The Confidence Trap: Why More Research Backfires 18:40 Red Teaming Your Own Investment Decisions 20:26 Why You Misremember Your Portfolio's Past Performance 23:05 DIY Investing vs. Evidence-Based Strategies 26:42 Loss Aversion and the Scars of Your First Market Crash 28:42 Journaling as a Behavioral Antidote 32:11 The Parental Advisory Effect: Why Warnings Backfire 37:59 Could an Investment Literacy Test Protect DIY Investors? 40:15 The Regulatory Tightrope Between Risk and Access 42:16 Sports Betting, Retirement Savings, and Cautionary Data 44:28 The Robo-Advisor Paradox: Warmer Interfaces, Worse Behavior 45:59 Disclosure Anxiety, Judgment Anxiety, and Advisor Trust 49:31 Why Personal Finance Is 90% Psychology 51:30 The Dark Side of Investing Democratization 53:49 The Dalbar Study and the Behavior Gap 54:11 ChatGPT, Advisors, and the Future of Financial Advice 58:25 Closing Thoughts #BehavioralFinance #InvestorPsychology #PersonalFinance #InvestingTips #WealthManagement #FinancialAdvisor #PreetBanerjee #InsightIsCapital #DIYInvesting #RoboAdvisor #FinTech #InvestingMindset #MoneyPsychology #FinancialLiteracy #StockMarket #BehaviorGap

Most people think franchising is about income replacement. At the high-net-worth level, the real conversation is about enterprise value. Because the operators who approach franchising seriously are not just trying to buy themselves a business. They are thinking about cash flow, unit economics, operational infrastructure, EBITDA growth, private equity demand, and whether the business can eventually become attractive to a larger buyer. And once you understand that, the way you evaluate franchising starts to change. Most franchise buyers don't miss the opportunity because they fail to recognize a good brand. They miss it because they evaluate the opportunity too narrowly. They look at the concept, the customer demand, and the upfront cost, but they do not always understand how to vet the system, read the disclosure data, identify red flags, or think through the exit before they get in. In this episode of Money School Elite, I sit down with Scott Jones of Franchise Guide Group to unpack how serious operators and high-net-worth investors should think about franchising as a wealth-building vehicle. Scott has owned 10 franchises himself, advised operators for more than 20 years, and worked across the franchisee, franchisor, and supplier sides of the industry. And in this conversation, he breaks down how to evaluate franchising through the lens of diligence, capital efficiency, scale, cash flow, and private equity exit potential.   About the Guest Scott Jones is the founder of Franchise Guide Group, where he helps high-achieving professionals, business owners, executives, and franchise operators evaluate franchise opportunities that align with their experience, goals, and long-term vision. With more than 30 years of business experience, Scott has worked as a CEO, franchise executive, entrepreneur, and multi-unit, multi-brand franchisee. He has helped hundreds of people explore franchising as a path to income diversification, career transition, business ownership, and greater personal freedom. Through Franchise Guide Group, Scott brings a practical, operator-level perspective to the franchise selection process, helping clients understand which opportunities fit their background, interests, capital, and desired outcomes. For Money School Elite listeners, Scott created a dedicated page where you can take the quiz, learn more, and schedule a call: https://connect.franchiseguidegroup.com/ms. You can also follow Scott on Instagram: @‌franchiseguidegroup.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most investors think wealth preservation is about performance. At the high-net-worth level, the real conversation is about structure. Because the families that keep wealth across generations are not just trying to get better returns. They are thinking about education, tax strategy, access, capital protection, charitable planning, and the systems required to make wealth last beyond one person's lifetime. And once you understand that, the way you evaluate wealth starts to change. Most successful investors don't lose wealth because they have never learned how to make money. They lose it because the structure around the money was never built to preserve it. The next generation inherits assets without inheriting judgment. Tax strategy gets treated like an afterthought instead of part of the portfolio. And high-income earners often assume better tax outcomes require extreme lifestyle disruption, when the real issue may be access to more sophisticated planning. In this episode of Money School Elite, I sit down with Mark Miller of Hilton Wealth and the Hilton Family Office to unpack how wealthy families actually think about preserving capital, reducing tax drag, and building systems that last. Mark works inside the family office world, where the conversation is not about chasing returns. It is about protecting wealth, structuring it intelligently, and making sure the capital and the knowledge behind it survive over time.   About the Guest  Mark Miller is the co-founder of Hilton Tax & Wealth Advisors alongside Bradley J. Hilton, grandson of Conrad Hilton, and a partner in bringing family office-level wealth strategies to investors, business owners, and high-net-worth families. Mark's work focuses on helping clients understand how the wealthy preserve capital, reduce tax drag, structure portfolios, and build long-term wealth with the same principles used inside family office environments. He has been featured in Kiplinger's, The New York Times, Fox News, and more than 200 national outlets, and was honored as a Presidential Businessman of the Year with personal recognition from President George W. Bush. He is also the author of Hilton Wealth: How to Invest Like an American Dynasty and The Tax-Free Business Owner. To learn more, request a complimentary copy of Mark's books, or book a call with Hilton Wealth, visit http://HiltonWealth.com.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

If you think life insurance is about protection, you'll miss what it can do at a high net worth level.  For wealthy investors, business owners, and families with meaningful assets, the question is not just where to invest. It is where long-term capital should sit, how it should be owned, how it should grow, how private it should remain, and how efficiently it can move to the next generation. That is where Private Placement Life Insurance, or PPLI, changes the conversation. Most investors dismiss life insurance because they think they already understand it. They picture ordinary policies, limited investment options, and a product built mainly around a death benefit. But at the high end, that framework is incomplete. PPLI is not ordinary life insurance. For the right investor, it can function as a long-term asset structure, allowing capital to grow in a tax-advantaged environment, support estate planning, simplify reporting, preserve privacy, and create a more strategic way to hold assets over time. In this episode of Money School Elite, I sit down with Mike Malloy to unpack how PPLI actually works, why wealthy families use it, and why the structure around an asset can matter just as much as the asset itself. Mike works with high-net-worth clients, families, and advisors on advanced tax and estate planning strategies using Private Placement Life Insurance. In this conversation, he explains why PPLI is not simply about buying insurance.  It is about building a structure around long-term capital, especially for investors who have already used the obvious planning tools and need a more sophisticated way to think about tax efficiency, privacy, liquidity, and wealth transfer.   About the Guest  Michael Malloy is a founding partner of EWP Financial. With decades of experience helping global families and advisors use PPLI and Expanded Worldwide Planning to enhance tax efficiency, asset protection, and compliance. To learn more, visit https://www.ewp-financial.com/ or call 530-692-1007.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast

Most high earners think wealth is built by earning more, saving more, and staying disciplined within the traditional financial system. At the high-net-worth level, the real conversation is structure. Because the issue is not always income. It is where the capital sits, how it is taxed, how accessible it is, how many jobs each dollar is doing, and whether there is an actual architecture around the wealth being built. Without that, even people making good money can still feel behind, overtaxed, overexposed, and dependent on a system they do not really control. Most investors follow the conventional path because it feels responsible. Max out the 401(k). Build home equity. Defer taxes. Keep money in the market. And to be fair, that advice is not irrational. It is familiar, simple, and widely accepted. But it may also be incomplete for people who want real control, liquidity, cash flow, and long-term freedom. In this episode of Money School Elite, I sit down with Dave Wolcott, Founder and CEO of Pantheon Investments, to unpack how wealthy investors think about capital differently. Dave spent the last 25 years studying how the top 1% actually build wealth, and his perspective is not about chasing returns or rejecting every traditional strategy. It is about building the infrastructure around your capital: tax planning, asset repositioning, private investments, liquidity, relationship capital, and making every dollar work across multiple dimensions. He shares how wealthy investors build infrastructure around their capital, reposition idle assets, and make every dollar work across multiple dimensions.   About the Guest  Dave Wolcott is the Founder and CEO of Pantheon Investments and the author of The Holistic Wealth Strategy. After leaving the Marine Corps and entering corporate America, Dave found himself earning well but still questioning whether the traditional financial path could actually create lasting wealth. That question became personal when, at 26, he had an 18-month-old toddler and newborn triplets, and the only advice he received from his financial advisor was to max out his 401(k) and fund 529 plans. That experience sent Dave on a 25-year journey to study how the top 1% actually build, protect, and multiply wealth. Through Pantheon Investments, he helps investors think beyond conventional retirement planning and build a more intentional wealth architecture around tax strategy, private markets, liquidity, asset repositioning, and capital efficiency. Dave's work focuses on helping high earners move from simply making money to building a coordinated wealth system, one that gives them greater control, stronger cash flow, and the ability to make every dollar work across multiple dimensions. Get Dave's book for free: holisticwealthstrategy.com. Connect with Dave on LinkedIn, and follow him on Instagram. Learn more about Pantheon Investments: https://pantheoninvest.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

When your income starts to scale, the instinct is to focus on earning more and delegate everything else. You build momentum, create cash flow, and then hand your capital over to advisors, funds, and institutions that are supposed to manage it efficiently in the background. The system looks sophisticated, regulated, and optimized, so it feels like the right move. But what many high-income earners and investors don't realize is that the biggest risk to their wealth often isn't the market… It's the structure their money sits inside. Because once capital is placed into systems you don't fully understand, small decisions start compounding in almost invisible ways. Fees that seem insignificant begin to erode long-term growth.  Portfolios that look diversified turn out to be overlapping and inefficient. And over time, instead of compounding wealth, you're quietly leaking it. In this episode of Money School Elite, I sit down with Robert Rolih, investor, entrepreneur, and author of The Million Dollar Decision, to break down what really happens to your money after you've made it. In this conversation, we discuss why small, seemingly harmless fees can significantly delay your financial freedom, how a lack of visibility into your own portfolio creates hidden risk, and why many investors don't actually know what they own. About the Guest    Robert Rolih is an entrepreneur, bestselling author, and long-term investing expert known for exposing Wall Street's hidden traps and teaching investors how to simplify wealth building. He is the international bestselling author of The Million Dollar Decision: Get Out of the Rigged Game of Investing and Add a Million to Your Net Worth, a book that has received glowing reviews from readers around the world. His mission is to reveal what the financial industry doesn't want you to know about investing, helping people greatly improve their long-term investing gains and take control of their financial future. Today, Robert has a thriving investment portfolio that serves him, not the financial industry. As a sought-after speaker, he shares his expertise with audiences worldwide, helping people avoid costly mistakes and achieve financial freedom. His ability to break down complex financial concepts into simple, engaging lessons and make investing interesting and fun has become his trademark. Robert was featured in more than 50 newspapers, websites, and TV stations, including CNBC, Yahoo Finance, Newsmax TV, Business Insider, and has had the honor of sharing the stage with renowned figures such as Robert Kiyosaki, Gary Vaynerchuk, Brian Tracy, Jack Canfield, Daniel Priestley, and many others. His international bestseller The Million Dollar Decision has been translated into several languages, including Chinese Mandarin, and published in special editions in countries such as India, Taiwan, Bulgaria, and Thailand. To get a free chapter of Robert's bestselling book, go to https://robertrolih.com/ or buy the book here. You can also join Robert's free masterclass when you go to https://robertrolih.com/masterclass.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most people treat taxes as a cost. Something to minimize, settle, and handle once the year is done. But what if that framing is the problem? What if you start treating your tax burden like a profit center, instead? By making that shift, taxes stop being about what you owe and start becoming a question of where that capital should actually go. In this episode of Money School Elite, I sit down with Mark Myers to unpack how that shift plays out in practice, and what it looks like to operate at the strategic layer of tax planning rather than just the compliance layer most people are familiar with. Mark works with high-income earners and business owners who are already doing everything right on paper, but haven't been exposed to the kinds of strategies that sit above traditional planning. In this conversation, we get into how solar can be used to replace a tax payment with an income-producing asset, how multiple layers of tax treatment can be stacked within a single strategy, and how the sale of a business can be structured to defer and control the tax event.    About the Guest  Mark is a Tax Savings Architect and the founder of TaxWise Partners. He brings over 20 years of successful business operation and high-level consulting experience to the table for the clients and financial professionals he serves. Mark employs the same discipline and tenacity in finding tax savings as he did serving his country as a former Marine Corps Sergeant in Bravo Company, 4th Marine Division.  Semper Fi! TaxWise Partners and its affiliate partners have helped thousands of individuals increase profit and permanently reduce their annual tax bill to enable them to better grow their business and accelerate their wealth. If you want to see what this could look like in your own situation, go to taxwisepartners.com, book a free consultation here to get your Tax Savings Blueprint. You can also reach out directly at mark@taxwisepartners.com.     About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Diversification sounds straightforward in theory, but in practice, portfolios don't behave the way most people expect them to. Exposure is layered, concentration often shows up in places that aren't immediately obvious, and decisions that feel like you're spreading risk can quietly lead to doubling down on the same themes. Once you start looking at portfolios this way, the question shifts. It's no longer just about what to add, but whether that exposure already exists, and what role it's actually playing. In this episode of Money School Elite, I sit down with Jonathan Steele, who manages over $1.3 billion in assets, to unpack how modern portfolios are actually structured and why many of the assumptions investors rely on don't always hold up. Jonathan works closely with high-net-worth clients, helping them think about capital not as a collection of individual positions, but as a system of exposures that interact in ways that aren't always obvious. We get into why Bitcoin and precious metals are often grouped incorrectly, how indirect exposure through index positions can lead to unintended concentration, and why holding cash in the current environment is less about being defensive and more about maintaining flexibility while still earning a return.   About the Guest  Jonathan Steele, CFA®, is Co-founder and Chief Investment Officer at One Wealth Advisors, where he leads investment research and portfolio management for high-net-worth clients. With over 20 years of experience, Jonathan specializes in portfolio construction, tactical and strategic asset allocation, and behavioral finance. As a Chartered Financial Analyst® and member of the CFA Institute, his work focuses on how portfolios are structured and how different exposures interact within a broader system. Outside of investing, Jonathan is deeply involved in the arts, having served on the advisory boards of Bard Music West and Vanguard Music and Performing Arts. He also mentors students across finance, technology, and engineering, and supports local organizations, including Muttville Senior Dog Rescue and the SF SPCA. To learn more, go to https://onewealth.net/.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most investors think Bitcoin is about price. At the high-net-worth level, a far more important conversation is happening around taxes. Because Bitcoin isn't treated like a stock or a business. It's treated as property. And that classification opens up strategies around taxation and capital movement that simply don't exist in traditional asset classes. And once you understand that, the way you evaluate Bitcoin starts to change. Most high-net-worth investors don't dismiss Bitcoin because they don't understand it. They dismiss it because, from where they sit, it doesn't meet the standard. If your entire framework is built on fundamentals, intrinsic value, and cash flow, Bitcoin feels like a contradiction. It's volatile, it doesn't produce income, and it doesn't behave like the assets that built their wealth. But that framework may be incomplete. In this episode of Money School Elite, I sit down with Eric Runge to unpack how Bitcoin is actually being used inside high-net-worth portfolios, and why the conversation at that level looks very different from what most investors see. Eric works directly with family offices and high-net-worth investors, helping them think about capital, risk, and structure beyond traditional asset classes. And in this conversation, he breaks down how Bitcoin fits into that picture, not as a speculative bet, but as a strategic layer.   About the Guest  Eric Runge is an RIA working with family offices to build capital preservation and tax strategies using Bitcoin, an approach that challenges how most investors think about the asset entirely. He is the founder of Veritas Bitcoin Strategies, a registered investment adviser focused on integrating Bitcoin into high-net-worth portfolios through risk-managed, long-term allocation frameworks. With over 20 years in financial markets, Eric works with families and sophisticated investors who aren't looking to speculate, but to understand how digital assets can be positioned within a broader strategy focused on preservation, structure, and tax efficiency. His work sits at the intersection of traditional wealth management and emerging monetary systems, helping investors rethink where Bitcoin fits, not as a trade, but as a strategic layer inside a portfolio. To learn, send an email to eric@veritaswealth.net.      About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most people don't realize that a large portion of real wealth is created before companies ever reach the public markets. In private companies, early-stage investments, and entrepreneurial ventures, growth happens the fastest. For a long time, that part of the market has been largely inaccessible to retail investors, reserved instead for institutions and high-net-worth individuals. And that has played a significant role in the growing gap in wealth. In this episode of Money School Elite, I sit down with Mona DeFrawi to unpack how this system actually works and what's starting to change. Mona has spent decades working inside private markets, helping companies grow, go public, and navigate how capital flows behind the scenes. In this conversation, we break down several important realities that experienced investors understand, but most people never see. We discuss why retail investors have historically been "protected" out of private markets, how early-stage investing drives the largest returns, and why most of the growth happens before companies go public. We also talk about recent policy changes that are beginning to expand access to private markets, what that means for everyday investors, and why understanding how these markets work is becoming increasingly important. About the Guest  Mona DeFrawi is an IPO and capital markets expert, startup founder, and private market pioneer who has spent over three decades working at the intersection of innovation and finance. She has led and supported multiple tech IPOs, built investor relations and capital markets functions from the ground up, and founded four startups, including early work that helped shape what is now Nasdaq Private Market. Throughout her career, Mona has raised significant capital, contributed to legislation that expanded venture funding, and helped build systems that connect companies with the capital they need to grow. Today, her focus is on expanding access to private markets, using technology, education, and new platforms to help more investors understand and participate in opportunities that have historically been limited to institutions. Her work is driven by a belief that early-stage investing is one of the most powerful drivers of wealth creation and that access to these opportunities should be more widely available. To learn more, visit https://radivision.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most people think success comes from strategy…better marketing, better positioning, better timing. But what if that's not the lever at all? What if the thing that actually drives growth isn't what you take, but what you give, freely, consistently, and without any immediate expectation of return? Because when you really look at how businesses grow, how opportunities compound, and how networks form, the pattern isn't subtle.  The people who seem to "get ahead" aren't always the smartest or the most tactical. They're the ones who become connectors, who create value before they extract it, and who build relationships that go far beyond transactions. And in a world where everything is becoming automated, optimized, and increasingly transactional, that kind of approach doesn't just stand out—it becomes a competitive advantage. In this episode, I sit down with Greg McDaniel, a luxury real estate broker who went from a college dropout working in a warehouse to closing million-dollar deals in a matter of months.  But what makes his story interesting isn't just the success; it's how he built it. Through radical generosity, unconventional thinking, and a willingness to do things most people would dismiss as "crazy," Greg has created a business that doesn't just grow, it compounds.   Things You'll Learn In This Episode  The fastest way to grow: stop focusing on growth Most people obsess over leads, conversions, and revenue. Could building relationships without immediate ROI actually create more opportunities than chasing them? Being a "connector" makes you indispensable When you become the person who links people, ideas, and opportunities together, how does your value skyrocket?  Creativity beats budget in marketing every time From ads on countertops to branding in unexpected places, Greg built visibility by doing what no one else was willing to try. What opportunities are right in front of you that everyone else is ignoring?   Guest Bio Greg McDaniel is a real estate agent, broker, coach, and speaker with over 25 years of experience and a deep-rooted understanding of the industry. He got his start early, learning the business firsthand from his father, Terry McDaniel, a 40+ year real estate veteran. From sitting in on negotiations to seeing how deals are structured in real time, Greg was immersed in the realities of real estate long before he ever closed his first deal. Today, as a partner at McDaniel/Callahan Real Estate, Greg works with a team focused on more than just transactions. Their approach is built around education, strategy, and helping clients fully understand every step of the buying and selling process, so they can make confident decisions and get real results. Known for his unconventional thinking and "give first" philosophy, Greg has built a business that extends beyond clients, mentoring agents, sharing knowledge freely, and helping others grow in the industry. If you want to connect with Greg directly, send him a text at 925-915-1978.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most people don't associate residential real estate investing with enjoyment. Between tenant issues, maintaining properties, and financing problems, it can really be a headache.  But the problem isn't the asset class; it's how you approach it. Because real estate, when done right, is actually one of the most forgiving businesses you can be in. What separates the people who enjoy real estate from the ones who burn out isn't intelligence or even experience. It's getting around the right people and getting the right education. What kind of information should you be consuming? How do you find a community that makes investing easier and even enjoyable? In this episode, real estate investor, lender, and author of "Build Real Estate Wealth: Enjoy the Journey of Rental Property Investment, "Joel Miller returns.  We break down why real estate is far more forgiving than people think, and how to structure your investing so it actually becomes sustainable. We talk about why getting around the right people might be the most underrated advantage in the entire business.   Things You'll Learn In This Episode  Real estate isn't risky; bad positioning is If real estate is so "dangerous," why do so many people still build long-term wealth from it? Is the risk actually in the asset, or in how most people enter the game? Time is the ultimate bailout strategy Why do some investors survive bad deals while others get wiped out? How does having the ability to "hold" completely change your outcomes? You don't need to know everything What's the minimum effective knowledge needed to get started without making catastrophic mistakes?  Network often beats strategy Why do the best deals, best contractors, and best insights rarely show up online? How does getting in the right rooms shortcut years of struggle?   Guest Bio Joel Miller is a real estate investor, entrepreneur, mentor, and author of Build Real Estate Wealth: Enjoy the Journey of Rental Property Investment. After obtaining a BA in accounting, Joel has been investing in rental properties since 1978 and flipping houses since 1991. He has served in numerous leadership roles in his professional and personal circles, and he teaches real estate investing at both the beginner and advanced levels. He is also a hard money lender to other investors as well as a trusted mentor, author, podcast guest, and benefactor to his community. To get a copy of the book, visit https://www.joelmillerbooks.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Most investors believe that holding cash during uncertain markets is the safest move. If you stay liquid, wait for clarity, and avoid risk, you'll be in a better position when opportunities come… or at least that's the thinking. But what many high-income earners and investors don't realize is that cash sitting idle isn't neutral; it's losing ground. Between inflation, taxes, and missed opportunities, capital that isn't deployed is quietly working against you. And while many investors are pulling back, the most sophisticated capital, family offices, institutions, and sovereign funds, are doing the opposite. They're moving into hard assets. In this episode of Money School Elite, I sit down with Ben Reinberg, CEO of Alliance Consolidated Group of Companies and a commercial real estate investor who has built a $500M+ portfolio from scratch, to break down how experienced operators think about capital in uncertain environments. In this conversation, we discuss why holding cash can actually erode wealth instead of protecting it, how the ability to hold through market cycles creates asymmetric opportunities, and why forced sellers are beginning to create some of the best buying conditions we've seen in years. We also break down an often-overlooked asset class, medical property, and why its demand profile makes it one of the most durable plays in real estate, even during periods of economic disruption.   About the Guest  Ben Reinberg is an iconic investor, mentor, educator, and philanthropist, CEO of Alliance Consolidated Group of Companies, and the author of "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle". Ben built a $500M+ Commercial Real Estate empire from scratch with billions in transactions. He is a respected authority on commercial real estate acquisition and investment, as well as the development and structuring of transactions. He is well-versed in 1031 exchanges and assessing the needs of investment capital. Ben brings value to the deal process through his ability to build trust quickly, raise equity efficiently, solve problems, and bridge the gap between buyers and sellers. Ben has authored and published numerous articles about the trade. Before establishing Alliance, Ben founded Hillcrest Trading, Ltd., a national acquisition and management firm. He began acquiring commercial real estate assets in the 1990s. His professional affiliations include the American Institute of Certified Public Accountants (AICPA), the Illinois Society of Certified Public Accountants (ICPA), the Urban Land Institute (ULI), and the International Council of Shopping Centers (ICSC). He is also a Charter Member of the International Association of Commercial Real Estate Professionals. To learn more, visit https://www.alliancecgc.com/ or https://www.benreinberg.com/.  Buy "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle" here.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Many real estate investors believe success comes down to one thing: access to capital. If you can borrow money easily, scale quickly, and leverage aggressively, the thinking goes that your portfolio will grow faster. But what a lot of investors are learning right now is that capital alone doesn't create successful deals. Structure does. In today's lending environment, small mistakes in leverage, underwriting, or financing strategy can turn what looked like a solid deal into a long-term problem. And many investors don't realize where those risks actually show up until after the transaction is already done. In this episode of Money School Elite, I sit down with Jonathan Yoo, co-founder and CEO of Convoy Home Loans, to unpack what's really happening inside the lending market right now. Jonathan and his team work with thousands of investors across the country, helping them structure financing for real estate deals and navigate the changing landscape of lending products. In this conversation, we break down several important realities that experienced investors understand, but many newer operators overlook. We discuss why DSCR loans have become such an important financing tool for real estate investors, how over-leverage is quietly creating the next wave of defaults, and why the biggest risks in real estate often appear after the deal is already closed. We also talk about a topic many investors misunderstand: what actually controls mortgage rates, and why the bond market matters far more than the Federal Reserve when it comes to long-term real estate financing. About the Guest  Jonathan Yoo is the co-founder and COO of Convoy Home Loans, Inc. Convoy Home Loans is one of the top DSCR lenders in the United States. They are best known for building a $1B+ national real estate investment lending platform in under four years without outside capital or a bank charter, helping thousands of everyday investors access non-traditional financing to scale cash-flowing real estate portfolios. To learn more, https://convoyhomeloans.com/. You can also download the Convoy Home Loans App to apply.  Apple App Store Google Play Store   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

For a long time, truly personalized investment advice has been something only the ultra-wealthy could access. If you have tens of millions of dollars, you can hire advisors who don't just sell you products. They build strategies around your entire financial life. But everyone else gets standardized portfolios and is told to keep contributing to their retirement accounts and stay the course. That's starting to change. A new approach to financial advice is emerging, one built around a fee-for-service strategy instead of product sales. Instead of paying someone based on how much money they manage or what investments they sell you, investors can now pay directly for expertise, planning, and financial architecture. That means for the first time, the level of thinking that was mostly reserved for high-net-worth investors is now available to everyday investors who want a more strategic approach to building wealth. In this episode, investment advisor and fractional CEO, COO, and CRO Stefan Astheimer joins me to talk about how this model works, why the traditional advisory system is evolving, and how investors who understand this shift may gain a serious edge.   Things You'll Learn In This Episode  Most financial advice was never designed to be personal For decades, financial advisors were paid based on products sold or assets managed. But if your advisor's incentives shape the advice you get, how personalized can that advice really be? The edge for everyday investors Could separating advice from product sales finally give ordinary investors access to the kind of guidance the wealthy get? Paying off debt or building wealth first Many people assume eliminating debt should always come before investing. But when interest rates, tax advantages, and opportunity costs come into play, how do you decide which move actually builds wealth faster? AI makes great financial advisors more valuable, not less Many people assume AI will replace advisors. But what if technology actually increases the demand for high-level strategic guidance?   Disclaimer This content is for educational purposes only and is not investment advice. No specific recommendations are being made. Please consult a qualified financial professional before making any investment decisions.   This webinar is for educational and informational purposes only. Any discussion of strategies reflects general concepts and examples based on the speakers' own experience and perspectives, not personalized investment advice. Forward-looking statements, illustrations, or examples are not guarantees of future results. All investments involve risk, and results may vary. Viewers should consult their own qualified advisor before making any financial decisions. Investing involves risk, including the potential loss of principal. Past performance is no guarantee of future results. Additional information about PMC Wealth, LLC is available in its Form ADV, which is available upon request or by visiting www.adviserinfo.sec.gov. The 'Inverse Cramer' ETF referenced in this discussion previously existed but has since been closed. This mention is for illustrative purposes only and is not a recommendation.    Guest Bio Stefan Astheimer is a fractional CEO, COO, and CRO who works with founder-led and regulated businesses to turn growth into something more structured, scalable, and commercially effective. He specializes in revenue expansion, operating strategy, and transaction readiness, helping companies strengthen performance while building long-term enterprise value. Stefan studied applied mathematics at Yale and has deep experience across wealth management, advisory, insurance, and other financial services environments where complexity is high and execution matters. To learn more, visit https://pmcwealthadvisors.com/    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Starting a business is often framed as a simple equation: have a good idea, take it to the bank, and secure the funding. But the reality is very different. Most business owners aren't rejected because their idea is bad. They're rejected because they approached the capital the wrong way. So many deals fail before they ever reach underwriting, and it's not because of the opportunity. It's preparation, structure, and understanding how lenders evaluate risk. Banks aren't investors looking for the next big idea. They operate under strict guidelines, regulatory frameworks, and underwriting criteria that determine whether a deal can even move forward. And most entrepreneurs walk into the process without understanding those rules. In this episode of Money School Elite, I sit down with Sebastien Boyer, known as "The Approved Guy," to break down what actually happens inside the lending process when someone applies for a business loan.  In this conversation, we unpack several key realities that experienced operators understand, but many first-time entrepreneurs miss.  We discuss why banks care more about the borrower's financial stability than the business idea itself. We also talk about how to get a deal to survive the approval process.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

Every athlete knows the music will eventually stop. Whether you walk away on your terms, are forced out by injury, or have a contract that doesn't get renewed, your career will inevitably end. In leagues like the NFL, NBA, or MLB, that ending can still leave you financially set. You might walk away with generational money. In action sports, that's rarely the case. A pro snowboarder can start earning real money in their teens. They can travel the world, land major sponsors, build a name, and live what looks like a dream career. But very few retire with enough money to last a lifetime. The earning window is short, the contracts are volatile, and the industry replaces you faster than you expect. What should athletes be doing during their earning years to avoid starting over financially at 30? Stevie Bell's snowboarding career is nothing short of meteoric. Starting from riding the bus two hours a day to Brighton as a laser-focused teenager, then landing a breakout video part just two years into riding, he went from unknown kid to signing a life-changing contract with one of the most iconic brands in snowboarding.  From managing fear on handrails that could end a career, to navigating brand politics when Forum was shut down, to walking away from the sport and rebuilding his identity after the checks stopped coming. His story is a masterclass in how quickly momentum can build and how quickly it can disappear. Stevie shares his career arc with me. We talk about how quickly money can scale, how quickly it can disappear, why most riders walk away with nothing, and how financial literacy becomes a competitive advantage when the career clock is ticking.   Things You'll Learn In This Episode  The moment every career ends, and why most people aren't ready- Whether it's injury, burnout, or a contract that isn't renewed, the music eventually stops. How do you prepare financially and psychologically for an ending you can't control? Fear as a strategic advantage- Top riders don't eliminate fear; they manage it. What does calculated risk look like when the downside is career-ending, and how does that translate to business and investing? The evolution of the industry- With airbags, Olympic pipelines, social media, and corporate sponsors, snowboarding has gone mainstream. Does more visibility actually mean more sustainable opportunity? Win or build: the new income model- If salary-based sponsorship is shrinking, and only a few athletes win consistently, how should modern athletes think about brand, leverage, and long-term income beyond competition? Guest Bio Stevie Bell is a former professional snowboarder and industry veteran with over 25 years of experience in action sports. He built a 14-year professional career after breaking onto the scene with a breakout video part just two years into snowboarding, eventually signing with Forum, one of the most iconic brands in the sport's history. During his tenure with Forum, Stevie traveled internationally filming video projects, participating in global tours, and contributing to one of the most influential eras in snowboard media. His career spanned major brand partnerships, long-term sponsorship contracts, and firsthand exposure to the evolving economics of action sports, from athlete compensation structures to the impact of corporate acquisitions and industry consolidation. After stepping away from professional competition, Stevie transitioned into entrepreneurship and content creation. He is currently the host of the Forum Chronicles podcast, where he documents the 20-year history of Forum and interviews key figures who shaped the brand and broader snowboard culture. To learn more or find out about the podcast, follow @steviebell801.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

In today's market, AI valuations are expanding faster than fundamentals can justify. Companies with minimal free cash flow are being priced as if dominance is already secured.  Capital continues to circulate between venture portfolios, strategic partners, and ecosystem incumbents, reinforcing growth narratives that assume liquidity remains abundant. But markets don't reward narratives forever. When growth slows or capital tightens, the question shifts from projected upside to structural durability. Does the business generate real cash? Does it control proprietary data that compounds value? Is it positioned to be acquired or forced to sell? This is where discipline separates operators from spectators. Daniel Nikic has spent years operating inside early-stage capital markets, studying transaction patterns, portfolio structures, and acquisition behavior. From that vantage point, valuation is less about headlines and more about capital flows, strategic adjacency, and who holds liquidity when cycles turn. In this episode, we look beneath the surface of today's AI enthusiasm to examine what actually drives valuation, how smart founders reverse-engineer an exit, and why companies entering a slowdown with balance sheet strength don't just survive, they consolidate.   About the Guest  Daniel Nikic is an investment research professional and entrepreneur dedicated to delivering tailored insights and strategic solutions. With over two decades of experience, Daniel has built a career dedicated to empowering investors and businesses with actionable insights. Born and raised in Canada, He earned a Bachelor's Degree in Business Administration from Brock University, where his passion for market dynamics and financial analysis began to take shape. ​As the founder of Cohres, a boutique investment research firm, Daniel specializes in helping high-net-worth individuals, venture capitalists, and startups navigate complex markets and emerging industries such as AI, SaaS, and data. His career journey includes impactful roles at HB Reavis, where he managed €500M real estate projects, Zursh, where he led AI-focused initiatives, and Azafran Capital Partners, where he developed investment strategies and managed data teams. ​Through his dedication to innovation, Daniel combines a global perspective with a hands-on approach, helping clients uncover growth opportunities and achieve their goals. His leadership has positioned Cohres as a trusted name in investment research and strategic planning. To learn more, visit https://www.danielnikic.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.      

​​As people make more money, they tend to get sharper about almost everything. They think long term, manage risk better, hire experts, invest wisely and optimize their businesses and portfolios. But when it comes to health, a lot of people are still running the same basic playbook everyone else is. Standard labs, five-minute appointments, and just waiting until something breaks. When you want to level up in every area of your life, the conversation shouldn't be, "Am I sick right now?" It should be, "Where am I headed, and how early can I catch it?" The people who are strong, active, and dangerous well into their later decades aren't winging it. They're tracking smarter markers, finding issues years before they become diagnoses.  They understand a principle that lines up perfectly with money: The fundamentals compound. Biohacks may be exciting, peptides are trendy, and GLP-1s are everywhere. But if your cardiovascular system is weak, your metabolic health is sliding, and you're losing muscle, then you're not really upgrading your future. You're selling it off. In this episode, I'm joined by Ted Ryce, a performance coach who has worked with high-level entrepreneurs and starts like Richard Branson and Robert Downey Jnr.  He talks about how serious operators should think about their bodies, what advanced clients test for that most physicians never bring up, and why mastering the basics still wins in wealth and health. Things You'll Learn In This Episode  Looking fit isn't the same as being healthy You can lift, diet, and still be metabolically heading toward disaster, so what numbers actually predict trouble years before a diagnosis? The uncomfortable truth about weight-loss drugs If appetite goes down but muscle disappears with it, are you really improving your future, or borrowing against it? The health metric we shouldn't ignore What does your VO₂ max say about how long and how well you'll live, and why are so few people training it intentionally? Biohacks can't outrun broken fundamentals Before you experiment with peptides, hormones, and supplements, how do you actually master sleep, movement, and recovery?   Guest Bio Ted Ryce is a health expert and coach to entrepreneurs, executives, and high-performing professionals who want to reclaim their health, lose weight, upgrade their productivity and live an extraordinary life. Ted's been in the industry for 25+ years, coaching A-listers like Richard Branson, Robert Downey Jr., and hundreds of CEOs and entrepreneurs. He is also the creator of The Legendary Life Podcast, where he delivers, with humor, the best health and fitness information in the world, backed by cutting-edge science and common sense wisdom. To learn more, visit https://www.legendarylifepodcast.com/. If you want to work with Ted, visit https://www.legendarylifepodcast.com/here/   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.  

When you're struggling in business or just starting out, the last thing you think you need is a coach. You think you can't afford it, you're not ready, or you should wait until you have better results first. But every time someone feels like that, that's actually when they need a coach the most. Most people see coaching as something you do later. Once things are going well, the money is there, and you've "made it" enough to deserve help. But that's not really how it works. Coaching isn't there to reward you for being successful. It's there to stop you from wasting years trying to get there on your own. Because the real cost isn't paying for a coach. The real cost is everything you lose while you're trying to figure it out by yourself.  In fact, coaching isn't even a cost. When you have the right coach, it starts paying off quickly, and it becomes one of the best investments you'll ever make in yourself. How do you know when it's the right time to get help instead of waiting it out? How did my guest build a top-performing career as a blind sales professional in one of the toughest industries there is? What can we learn from his success story? In this episode, entrepreneur, speaker, coach, and bestselling author of If I Can Do It, You Can Do It, Patrick Engasser, joins me to talk about mindset, opportunity, and why getting the right guidance early changes everything.  You'll learn why the people who grow fastest aren't the smartest, they're just the ones who stop trying to do it alone.   Things You'll Learn In This Episode  "I can't afford a coach" is usually backwards Is it really about money, or about how much time, stress, and lost momentum it's costing you to figure everything out the slow way? The hidden mindset shift that unlocks performance What changes when you stop seeing your weaknesses as liabilities and start using them as your most powerful differentiators? How people actually "create" luck Are some people actually luckier, or are they just better trained to notice and act on the chances everyone else ignores? Success becomes addictive once you start helping others Why does coaching, leadership, and mentorship often feel more rewarding than personal wins, and how does that change the way you build your business?   Guest Bio Patrick Engasser is an entrepreneur, speaker, coach, and bestselling author of If I Can Do It, You Can Do It. He started his career in the insurance industry as a top sales representative for a Fortune 500 company. He was awarded top-account closer in his third year and promoted to district manager. Patrick went on to recruit, train, and lead a seven-figure sales team while coaching several agents to successful careers in the outside sales world. He has been the recipient of the company's Top Award for Management Excellence three times for his outstanding leadership and ability to coach others to achieve their goals. Patrick has been helping aspiring entrepreneurs build their own businesses for over 15 years. To learn more and to buy his book, visit patrickengasser.com. To book a free strategy session, go to talkwithpatrick.com.      About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Most people think financial freedom comes from earning more, saving harder, or finding the perfect investment. But the real trap isn't income…it's the way we're taught to store and move money. We're told to separate everything into neat little buckets: checking, savings, mortgage, credit cards, investments. And somehow, even when we're "doing well," the system still feels tight, slow, and exhausting. The traditional system is wildly inefficient by design. A 3–4% mortgage isn't really 3–4% at all. It's closer to 12–15% in simple interest once you account for amortization. Savings accounts paying 1–3% sit right next to debt costing 8–25%, and no one ever teaches us to connect those two dots. We're working hard, being disciplined, and still leaking money through invisible cracks. Instead of playing by those rules, Joseph Kovacevic built a completely different operating system: one pot, one line, one flow. All income goes into a first lien HELOC, and all expenses come out of it.  No idle cash, no artificial separation between "good money" and "bad money." How did he go from using money like everyone else to building an entirely different financial system? Why do people struggle so much to understand and actually implement this system? In this episode, entrepreneur, money mentor, and first lien HELOC specialist Joseph Kovacevic breaks down how he's been running this system for over 15 years - from quitting the railroad, to scaling real estate, to using HELOCs and insurance policies as an integrated financial engine.   Things You'll Learn In This Episode  Your mortgage interest isn't what you think it is A "low" 3–5% mortgage is actually closer to 12–15% in simple interest over 30 years, so what are you really paying for homeownership? Why savings accounts make you poorer, not safer If you're earning 1–3% in savings while paying 8–25% on debt, are you actually saving, or quietly burning money? The one-pot system that replaces budgeting entirely What happens when all income, expenses, investing, and saving run through a single HELOC instead of 10 separate accounts? How to become the bank instead of borrowing from one From infinite banking to lending your own capital at 12%+, how do you turn cash flow into a self-funding wealth machine?   Guest Bio Joseph Kovacevic is an entrepreneur, Money Mentor, and first lien HELOC specialist.  At 23 years old, he hired out on the railroad for a career that lasted almost 20 years. He has been investing in real estate since 2000. Between managing rental properties and flipping houses, he was able to escape the corporate world and become an entrepreneur. In 2018, he met Chris Naugle at a Home show in Buffalo, NY, and was later introduced to Brent Kesler, who introduced him to IBC. After years of using the Infinite Banking Concept, he now wants to share IBC with everyone. Being a part of The Money School and The Money Multiplier team, he now helps others break away from conformity and pursue their dreams. He is passionate about educating others about the implementation of the Infinite Banking Concept to solve people's money problems. To learn more, visit https://themoneymultiplier.com/joseph-kovacevic.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Most high-income earners assume their tax situation is handled once they hire a CPA and start filing. The return gets done, nothing breaks, and it's easy to believe that if something mattered, it would already be happening. But that assumption quietly costs people money. Not because they're reckless or aggressive, but because compliance gets mistaken for strategy, and basic leverage never gets activated. Zach Newberry works with business owners and real estate investors who earn well, and still find themselves on the wrong side of the tax game. What he sees over and over isn't missed loopholes or exotic strategies.  It's small, obvious decisions that never get made: spending a few thousand dollars to unlock meaningful capital, revisiting structures that no longer fit, and using rules that already apply but are never deployed. His perspective reframes taxes as a capital allocation problem, not a paperwork exercise. Instead of focusing on what gets filed, he looks at what gets converted, dollars that would disappear versus dollars that stay in play for the next investment. In this episode, we talk about why small, inconvenient costs often unlock real leverage, where high earners miss money long before "strategy" even starts, and how rules like the Augusta Rule fit into real life when you understand how to use them. About the Guest  Zachary Newberry is a CPA, tax planner, and entrepreneur who works primarily with business owners and real estate investors. His practice focuses on helping clients move beyond basic tax compliance and use the tax code intentionally — connecting entity structure, real estate, income timing, and planning decisions in a way that supports long-term wealth building. He works with real estate investors, real estate-centric businesses, small to mid-sized companies, and high-income individuals. In addition to tax preparation, Zach provides ongoing tax planning and advisory services, accounting and bookkeeping oversight, and strategic consulting for clients who want their tax decisions to function as part of their broader financial and investment strategy — not just something that gets filed once a year.    Email Address - zach@newberrycpa.com Instagram - @newberrycpa Facebook Business Page - https://www.facebook.com/zachnewberrycpa Booking Link - https://go.oncehub.com/ZachNewberry   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.   His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

Most investors never question the structure they're investing in. They accept tight assumptions, back-end-heavy returns, and illiquidity as the price of access, assuming the payout will arrive before anything goes wrong. But when timing slips, liquidity tightens, or markets shift, those assumptions become traps. The deal didn't fail because the idea was bad. It failed because it never paid the investor enough to wait. Irwin Boris has spent decades operating on the other side of that equation. After more than $5 billion in deal flow, he learned to treat any model that needs to be "screwed down" to make the return work as a warning sign, not an opportunity. His approach prioritizes downside discipline, visible cash flow, and structures that don't depend on exits arriving on schedule. Instead of betting on appreciation or future liquidity events, he focuses on assets that pay along the way and remain viable even when conditions change. In this episode, we talk about understanding where risk actually lives, why backend-dependent strategies quietly corner investors, and how disciplined capital positions itself in assets that don't require perfect timing to survive.   About the Guest  Irwin Boris is a speaker and SVP of Acquisitions and Investor Relations at Heritage Capital Group. In the past, he has been the Head of Real Estate for several Family Offices (foreign & US), making investment decisions.  He has more than 30 years of experience in real estate finance, investment, and asset management. He has participated as a direct lender, principal, investment banker, and advisor in more than $5 billion in real estate transactions. To learn more, visit https://heritagegroupcapital.com/ or send an email to irwin@heritagecapitalgroup.net.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Most investors never question the hierarchy they're operating in. They borrow money, take on operational risk, manage tenants, absorb volatility, and send a large portion of every payment upstream to the lender.  If something breaks, if a tenant stops paying, if the market turns—the obligation to the bank doesn't change.  This is the Mr. Burns model: the banks sit at the top of the building collecting checks, while everyone else does the work below. The slow flip model flips that hierarchy entirely. Instead of rehabbing properties or betting on appreciation, the investor becomes the lender. Short-term private money is used to acquire low-dollar properties, then paid off quickly through long-term owner financing.  For the first few years, the deal feels tight. Cash flow is modest. But once the private capital is gone, the asset is owned free and clear—and the payments keep coming for decades. No leverage. No refinancing risk. No dependency on market timing. What makes this approach powerful isn't just the math, though the math is staggering. It's the positioning. Ultra-affordable housing behaves differently from traditional rentals. Demand doesn't disappear in downturns. People can always move down in price—but there's a floor they can't go below. And by structuring the deal as the bank, the investor removes themselves from the operational chaos that destroys so many otherwise "good" deals. In this episode, we sit down with Scott, a real estate investor who's been in the game since the 1990s, got crushed in the 2008 collapse, and rebuilt with a model explicitly designed to survive the next downturn.  We talk about why slow flips aren't about patience for patience's sake, how amortization quietly creates generational cash flow, and why the investors who win long term are usually the ones willing to give up speed early in exchange for control later. About Our Guest  Scott Jelinek is an entrepreneur, coach, full-time real estate investor, and author of The Art of the Slow Flip. He has been investing in real estate since 1994 and has completed well over six hundred deals, continuing to be a leader in the industry. He has owned and operated a wide variety of businesses, from tanning salons to hot dog shops--all while buying, selling, and renting properties. Today, Scott uses his knowledge and experience to coach other real estate investors. Over 15 years, Scott built a rental portfolio of more than 100 properties. On paper, it looked like success. In reality, it was constant tenant issues, mounting repairs, and growing leverage. By 2008, he was $1.3 million in debt and ultimately lost more than 55 properties to foreclosure. That experience forced a hard reset and led him to abandon traditional rentals in favor of what he later named the Slow Flip model: selling low-cost homes on terms and holding the paper. Since then, Scott has completed hundreds of slow flips, building long-term cash flow without tenants, repairs, or property management, and now focuses on helping other investors escape the operational grind of real estate. To learn more or buy the book, go to https://www.slowflip.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

One of the biggest mistakes in personal finance is how quickly conversations turn into either/or debates. Invest or insure, trust the market, or play defense. Something is a scam, or it's the answer. The problem is, real financial progress rarely comes from choosing sides. It comes from using the right tools together instead of pretending one tool should do everything. This shows up clearly in the way people talk about retirement plans. People have strong opinions about 401(k)s, especially the idea that the match is a scam. But that argument falls apart once you actually slow down and look at how it works. That idea carries into the way people think about insurance. Insurance isn't an investment, and treating it like one creates bad expectations on both sides. But dismissing it because it's not an investment misses what it's actually designed to do. The more interesting question isn't "what's the return," but "what role does this play in the system?" Being dogmatic about any tool, whether it's a 401(k), insurance, or the market, usually leads to worse outcomes. In this episode, the author of The And Asset and founder of BetterWealth, Caleb Guilliams, returns. We dig into the idea of giving your dollars more than one job, how money can be safe and accessible at the same time, and boring on the surface, but incredibly useful when integrated correctly.  Things You'll Learn In This Episode  Why financial labels block better decisions We don't reject strategies because they fail; we reject them because of what they're called. How does labeling something "insurance," "investment," or "scam" stop you from seeing its true value? Why value matters more than rates of return Cost only feels expensive when the value isn't clear. What happens when you stop asking "what does this pay?" and start asking "how many jobs does my money do at once?" Changing your mind is a sign of financial maturity Rigid beliefs feel safe, but they often lead to bad advice. Why is the willingness to evolve a marker of credibility, not weakness? How AI will quietly replace most financial advice models What will happen when software can analyze, design, and optimize financial decisions faster and more accurately than most humans ever could?   About the Guest Caleb Guilliams is the author of "The and Asset", a podcaster, investor, speaker, and the founder and CEO of Better Wealth Solutions, a company committed to showing people how to be more efficient and control their money today while maximizing their future wealth potential. BetterWealth is a company that is fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Caleb and his team have discovered proven strategies & principles that can empower anyone to create & protect real wealth. For more information, go to https://betterwealth.com/. Go to https://thewholelifesummit.com/2026  to learn more about the Summit and buy the book at https://betterwealth.com/bookstore.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Many people who work hard to build and protect their wealth assume that once they "make it," everything will finally feel good, secure, calm, and settled. But most people don't discover the truth until they're already successful: money doesn't quiet the fear. It often makes it louder. The pressure gets higher, and the decisions get heavier. The same stress, anxiety, and old beliefs they carried before wealth simply move with them into a larger life. That's the part no one prepares high earners for: the emotional weight that grows alongside the net worth. And it shows up everywhere: in the urge to hold money tighter, in the guilt that makes generosity feel risky, and in investment choices that look diversified but are actually fragmented and scattered. For more than 30 years, financial advisor Shannon Ryan has seen this up close. She's worked with founders, professionals, and ultra-wealthy families who have everything they once wanted, yet still feel overwhelmed, afraid, or ashamed of how they handle money. Not because they lack discipline or intelligence, but because their emotional relationship with money never evolved as quickly as their wealth did. In this conversation, Shannon and I explore the hidden side of wealth: why financial milestones don't automatically create peace, and what it actually takes to feel free when the numbers say you should already be there.   About the Guest Shannon Ryan is a Certified Financial Planner CFP®, behavioral finance advocate, speaker, and the author of the upcoming book Your Money Has Feelings. With over 30 years of experience guiding individuals and families, Shannon blends clear financial knowledge with a heart-centered approach to help people heal their money stories, transform their financial behavior, and build lasting confidence. She's been featured on Good Morning America, CNBC, and TEDx, and is known for making personal finance feel relatable, empowering, and deeply human. To work with Shannon, visit https://shannon-ryan.com/.  Buy her book, "Money Has Feelings," on Amazon.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

When people think about economic downturns, they usually assume the damage happens at the bottom. What rarely gets talked about is how many wealthy people lose everything — not because they didn't have assets, but because they trusted strategies that only worked when conditions stayed favorable. In this episode, I'm joined by Arthur Hood, an investor and entrepreneur who has built significant wealth across multiple market cycles and watched firsthand how high-net-worth individuals get taken out when liquidity tightens, exits disappear, and assumptions stop holding. We talk about why net worth doesn't equal safety, how paper wealth quietly evaporates when cash dries up, and the specific decisions that turn manageable situations into permanent losses.  Arthur explains why some asset classes keep working under pressure while others break, and why deals that depend on a clean refinance or exit are often the first to fail. Most importantly, we dig into the moves that allowed certain investors not just to survive the worst downturns, but to stay in control long enough to come out stronger on the other side.   About the Guest Arthur Hood is an experienced entrepreneur with a diverse portfolio of businesses spanning commercial real estate, entertainment, and hospitality. His venture Your Space America, focuses on the booming self-storage industry, one of the most resilient and high-performing asset classes in U.S. real estate. As Executive Vice President of the company, Arthur has overseen the development, construction, and ownership of large, climate-controlled self-storage facilities. These properties have become increasingly sought after by institutional investors due to their consistent performance across economic cycles. With self-storage offering an average annual return of 17.3% from 1994 to 2023, the industry has grown exponentially, driven by high demand from individuals, small businesses, and transitional populations. Your Space America is capitalizing on this growth by creating state-of-the-art facilities that cater to modern consumer needs, offering not only safe, secure storage but also a wide range of specialized services, including climate-controlled units for sensitive inventory and documents. In addition to his work in self-storage, Arthur is the owner of HV Entertainment LLC, which operates a growing portfolio of lounges and nightclubs across Texas, Georgia, Alabama, and Chicago. Furthermore, as Managing Member of HV Properties LLC, Arthur has been instrumental in acquiring, developing, and selling both commercial and residential real estate across the U.S. The company's real estate holdings span Florida, Texas, and Alabama, with a focus on value-added opportunities. From large-scale developments to residential projects, Arthur's leadership has helped expand the company's footprint and establish a strong presence in multiple high-demand markets. His expertise across these industries, combined with a strategic approach to growth, has positioned him as a significant player in both commercial real estate and the entertainment sectors. To learn more, go to https://arthurhood.com/ or send an email to info@arthurhood.com.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

For a lot of truckers, you can make great money hauling loads across the country, but it comes with a catch: the wheels have to keep turning for the money to keep coming in.  There's no automatic runway to financial freedom, no built-in exit strategy, just the quiet expectation that you'll drive until your body says you can't. And the obvious alternatives like owning trucks, hiring drivers, scaling through fleet operations aren't as simple or as stable as they sound.  Most truckers end up in a loop that looks a lot like the rest of America's financial reality: you earn, you spend, you start over. The numbers change, but the pattern doesn't. That's where infinite banking enters the conversation, not as a magic button, but as a system that gives truckers a way to make their money work even when they're not on the road.  But here's the part most people miss: Infinite banking only works if you do. Because there's a trap almost everyone falls into. You pay off your debts, you free up all that cash flow… and then you let it drift back into a traditional bank account, where it gets spent, swallowed, or forgotten.  And this same pattern shows up in another overlooked area of trucking: health. The lifestyle is notoriously hard on the body: long hours sitting, fast food at every stop, poor sleep, and constant stress. It's easy to wake up one day and realize your finances aren't the only thing stuck in a loop you never intended to be in. In this episode, I'm joined by Dexter Holiday, a longtime trucker who set out to rewrite both his financial and health trajectory. We explore what it looks like to step out of the financial and health cycles of trucking.  We unpack the strategy, the mistakes, the course corrections, and the mindset shifts required to make it all work in real life.   Things You'll Learn In This Episode  Infinite Banking only works if you doMost people succeed in paying off debt but fail to recapture the payments and lose thousands in the process. How do you start thinking and acting like the bank? Debt freedom isn't the goal; debt management is Dexter cleared his debts, then unknowingly recreated them because the old habits were still in place. How do you stop yourself from sliding back into the same financial patterns you're trying to escape? Discipline creates wealth and health The same mindset that made Dexter financially stable helped him reverse diabetes, transform his energy, and rebuild his body. Why do money problems and health problems stem from the same root behaviors, and how do you change them? Fasting can undo what the road does to your body Trucking beats up your health, long hours sitting, constant snacking, and limited food options. How did fasting give Dexter's body the break it needed to repair itself and reverse the damage?   About the Guest Dexter Holiday is a longtime trucker who has spent years navigating the financial and physical demands of life on the road. After realizing the trucking industry offers income but not freedom, he began searching for a way to break the cycle of "earn, spend, reset." His journey through infinite banking, financial mistakes, course corrections, and eventually dramatic improvements in his health has made him a powerful example of what's possible when you commit to discipline, learning, and change. To learn more about the products that helped Dexter change his health, visit https://ufeelgreat.com/c/AKL589.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

When entrepreneurs think about selling a business, they picture a clean formula: EBITDA × multiple, a "strategic buyer," and a smooth six-month process that ends with a big wire hitting their account.  What almost no one pictures is the real complexity behind an exit. The psychology, the timing, the identity shift, the risk calculus, and the reality that most founders aren't just selling a business… they're handing over a lifetime's work to someone else. That's the part nobody warns you about. Most owners obsess over valuation, but the real danger is preparing too late, choosing the wrong advisors, or stepping into negotiations with a fantasy number another broker promised them to win the listing.  And the cost of that mistake? Years lost, deals collapsing, and owners discovering too late that they should have fixed their accounting, diversified their customer base, or tightened operations years before approaching the market. And underneath all of it is an even deeper truth: exits aren't just financial events; they're emotional ones. If you don't know what your life looks like after the wire hits, you're at risk of waking up with more money than you've ever had… and less purpose than you've ever felt.  In this episode, I'm joined by Gregory Kovsky, president of IBA, one of the oldest and largest business brokerage firms in the Pacific Northwest. We dig into why the market is hotter than ever, how valuation actually works, the unique pitfalls sellers don't see coming, and why the real exit planning starts long before you think you're ready.   Guest Bio Gregory Kovsky is the President and CEO of IBA (International Business Associates), the Pacific Northwest's oldest and largest business brokerage firm. Gregory has successfully negotiated the purchase and sale of over 300 privately held companies and family businesses in Washington, Oregon, Alaska, California, North Carolina, and Massachusetts since joining IBA as a mergers and acquisitions intermediary in 1994. He has also built a seven-figure, self-managing business across ten locations. He has successfully facilitated transactions involving manufacturing and distribution companies, industrial, marine, and automotive businesses, technology and software companies, and service, education, and retail businesses. A commercial real estate professional for over 30 years, Gregory commonly provides his clients with comprehensive representation in selling a business and the associated real estate. To learn more, visit https://ibainc.com/.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.  

Today, Nicole breaks down all stock market lingo you need to decode investments —like market cap, and P/E ratio—and shows you how they actually work in real-life trading, using a deep dive into a real example of a stock that got... weird. You'll learn how to spot a stock's highs, lows, and everything in between… plus why relying on just one type of analysis (technical OR fundamental) is like trying to fly a plane with one wing. Check out Nicole's course The Money School and use promo code MONEYREHAB to secure the course for $99

When people think about wealth-building, they picture stock charts, IRR calculators, and "smart" portfolios engineered by advisors. What they never picture is a dentist quietly building long-term wealth through trees or using a whole life policy as the cheapest, most flexible source of capital in his business. That narrow view hides one of the most powerful truths about high-net-worth families today: the real wealth is built through boring, patient, predictable decisions that compound for decades… not the high-IQ investing most people obsess over. Most high earners are told to focus on returns. Jeff flips that equation. He focuses on building a life. He invests based on clarity, intention, and a long-term vision of what he wants his days to look like. Once you have that vision, the decisions become simple. You stop chasing the market and checking performance and start building something inevitable. In this episode, I sit down with dentist, entrepreneur, and long-term investor, Dr. Jeff Seibert. We unpack how he creates wealth by ignoring the noise, lowering his cost of capital, buying assets that grow while he sleeps, and designing his portfolio around the life he actually wants.    Guest Bio Dr. Jeff Seibert is a successful dentist and serial entrepreneur known for building highly profitable, well-run practices and using them as engines to fund private investments. What sets him apart is his refreshingly unique philosophy: he doesn't chase quick returns or market noise. He builds businesses and buys assets that compound quietly for decades, giving him freedom, control and long-term wealth without stress or speculation.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.  

From pro-snowboarder to America's #1 Money Mentor, Chris Naugle has built his career on the belief that success isn't about the resources you have, but how resourceful you can be. His journey from humble beginnings to financial success has fueled his mission to teach others a better way to build and preserve wealth. Over the years, Chris has built and owned 19 companies, with features in Forbes, ABC, House Hunters, and even his own HGTV pilot in 2018. He is the founder of The Money School™ and serves as Money Mentor for The Money Multiplier, where he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money truly works. His expertise also extends to managing tens of millions of dollars in assets across financial services and real estate. As an innovator, speaker, author, and podcast host, Chris has shared his wealth-building strategies with over ten thousand Americans nationwide. His teachings continue to inspire those seeking lasting financial freedom and a path to creating true generational wealth. During the show we discussed: Entrepreneur journey shaping money and success Resourcefulness in wealth creation Creative deal-structuring insights What makes a deal attractive to lenders Strategies to get lenders to say yes Value of in-person borrower/lender connections Lessons from building 19 companies Common wealth-building mistakes Using Money School™ principles for freedom Real estate's role in long-term wealth Impact of money mindset Financial basics everyone should know Resources: https://www.chrisnaugle.com/ https://privatemoneyclub.com/   

For most people, debt isn't a mistake; it's just life. The mortgage, the car loan, and the credit cards are what everyone does. Making the minimum payments feels normal, but that actually keeps people stuck. Millions of families are drowning in debt, and they're barely managing. They're working hard, keeping up with their bills, but almost every dollar they earn goes right back out in interest. They're not moving forward; they're treading water. The hard part is, they're not doing anything "wrong." They're doing what the system taught them to do: stay cash-poor while the banks collect. People proudly lock in their 30-year loans at "record low rates," convinced they've made the smartest financial move of their lives. But they don't realize that even at 3%, they're giving away hundreds of thousands in interest. That money could be building security, breathing room, and financial freedom.  What if the same dollars you're paying the bank every month could start working for you instead? What if your paycheck could reduce your interest, shorten your payoff timeline, and create new cash flow, without earning a cent more? In this episode, Velocity Banking expert Christy Vann and all-in-one loan expert Harrison George return. We unpack how the system keeps you cash poor, and the simple shifts that can set you free. From using tools like the all-in-one first-lien HELOC to applying velocity and Infinite Banking principles, you'll learn how to redirect your money and eliminate debt faster.    Things You'll Learn In This Episode  The minimum-payment illusion Most people think staying current on their bills means they're managing their money well. What if that belief is the very thing keeping them broke? The hidden cost of a low-rate mortgage A 3% mortgage feels like a win, until you realize it's still costing you hundreds of thousands in interest. How can you flip that money back in your favor? Turning interest into opportunity Every month, you hand a portion of your paycheck to the bank. What happens when you start redirecting that same money toward your own freedom instead? The smarter way to get debt-free You don't have to earn more or live with less to change your situation. How do systems like the all-in-one HELOC, Velocity Banking, and Infinite Banking make that possible?   Guest Bio   Harrison George is a highly accomplished Mortgage Loan Officer at CMG Financial in Meridian, Idaho, specializing in both purchase and refinance solutions. With a degree from Colorado Mesa University, he has earned recognition as a Top Producer by Scotsman Guide for his exceptional loan performance. Harrison is a thought leader in mortgage innovations, particularly the "All‑in‑One Loan" concept using LinkedIn and YouTube to educate homeowners, investors, and realtors on how to build equity faster and achieve greater financial flexibility. Dedicated to client success, Harrison emphasizes transparent communication and customized strategies, earning consistently positive feedback from satisfied borrowers.   Subscribe to The Harrison George Team on YouTube Find Harrison on LinkedIn @Harrison George Christy Vann is a Velocity Banking expert, coach, and founder of Vanntastic Finances. She is a financial educator teaching people how to become debt-free very, VERY quickly! Christy explores debt-relief options with individuals, so we all may live in total financial peace! For more information, head to https://vanntasticfinances.com/, subscribe to her YouTube channe,l and join her private Facebook group.    About Your Host   From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.   His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.   Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

When people hear “franchise”, they immediately picture a drive-through window and a fryer in the back. That narrow view hides one of the most accessible and profitable paths to business ownership today: non-food franchising. We've been taught that entrepreneurship means starting from scratch: writing business plans, building systems, and hoping your idea sticks.  Franchising flips that equation. You're not reinventing the wheel; you're stepping into a proven system with training, marketing, and infrastructure already built. The best part?  You can own a business that runs without you being chained to it. The real secret is that most high-income professionals, doctors, executives, and even W-2 employees can buy or build semi-passive franchises that generate cash flow, deliver powerful tax advantages, and diversify their wealth far beyond the stock market.  And yet, most never explore it because they still think of “fast food.” Why is buying a franchise a better path into business ownership? What are the lesser-known benefits you get from this model?  In this episode, I sit down with Jon Ostenson, founder of FranBridge Consulting and author of Non-Food Franchising. We unpack the world of franchises that don't involve burgers or coffee cups. We talk about how to identify the right concept, fund your investment, and leverage the new tax rules that make owning a franchise smarter than ever.  Things You'll Learn In This Episode  -The shortcut to entrepreneurship Most people think you need to invent something new to build wealth. What if the fastest path is owning a system that's already proven to work? -Semi-passive ownership, real results Some franchises thrive even when the owner isn't there daily. How do they do it, and what separates a true “executive model” from wishful thinking? -The hidden tax advantage of business ownership Business owners play by a completely different tax rulebook. How can franchising open those same doors for people still working a W-2 job? -The non-food franchise boom From home services to senior care, boring is the new profitable. Why are the most recession-resistant franchises the ones no one talks about?   Guest Bio Jon Ostenson is a Top 1% Franchise Consultant; 2 x Inc 5000 Founder; author of 'Non-Food Franchising', Forbes Contributor, and CEO of FranBridge Consulting. Specializing in the area of non-food franchising, he draws on his experience as both the president of an Inc. 500 franchise system and as a multi-brand franchisee in serving his consulting clients who are looking to explore business ownership opportunities. Jon helps clients understand all aspects of non-food franchising in the process of introducing them to opportunities from the over 600 high-growth brands that he represents. Before FranBridge, Jon was the President of ShelfGenie, a national franchise system with 200 locations. To learn more and get a free copy of his book 'Non-Food Franchising', go to http://franbridgeconsulting.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

From the outside, pro athletes look like they've made it; like they'll never have to worry about money again. Multi-million-dollar contracts, highlight reels, and luxury lifestyles suggest money will never be an issue.  But behind the scenes, most players are one injury, one bad decision, or one contract away from financial ruin. The truth is, the average NBA career lasts just 4 years. Taxes, agents, lavish spending, and poor planning chip away at earnings until the fortune is gone, and with no plan for life after the game, many athletes end up broke and starting over from scratch. But it doesn't have to be that way. With the right mindset and strategy, those same athletes can turn short-term income into long-term impact.  That's exactly what Rashad Jones-Jennings did, proving that reinvention is possible. He built a second career in real estate, transforming his hustle into $60 million of affordable housing developments that are reshaping communities. Most players never make that leap. They leave the game without financial literacy, without a plan, and without the discipline to turn short-term income into long-term security. The difference isn't the size of the contract, it's the ability to shift from consumer to builder, from spending money to multiplying it.  How did Rashad set himself up for real estate success? What's the secret to running a thriving development business that also makes a difference?   In this episode, we unpack the lessons from Rashad's journey, why most players lose even when they earn millions, and how affordable housing represents one of the most overlooked wealth-building opportunities in today's market.   Things You'll Learn In This Episode  -The athlete's money mythBig contracts shrink fast under taxes, fees, short careers, and lifestyle creep; most players aren't set for life; they're set for struggle. How do you design a plan that outlasts the spotlight? -Affordable housing, unfair edgeWhile developers chase luxury, demand is starving for well-built, smaller-footprint homes. How did Rashad pre-sell an entire tiny-home community before a single structure went up? -Operations over hypeSourcing materials creatively and knowing line-item costs turns vision into profit and investor trust. How do you become an excellent operator in real estate development?   Guest Bio Rashad Jones-Jennings is a retired NBA player, real estate developer, land flipper, and community builder. Transitioning from the world of professional basketball, Rashad is now dedicated to creating attainable housing solutions through the development of luxury tiny home communities. His focus is on providing innovative housing options in our ever-growing economy, creating living spaces anyone can call home. Rashad is passionate about sharing insights and fostering conversations around alternative housing. He also co-hosts a podcast called Big Man Tiny Homes, where he explores the nuances of tiny home living, urban development, and sports. To learn more, visit postprocapital.com.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

Most investors don't fail because they pick the wrong stock or buy into the wrong trend. They fail because they never define success for themselves.  They chase returns without knowing what a win actually looks like. Without a clear target and purpose, investing becomes guesswork, and the chances of losing money are higher. Worse, they choose methods that look cool instead of ones they actually understand. They don't give themselves a hard out, so they hold too long or sell too soon. And often, they pick investment vehicles that only pay them in one way. That's where real estate changes the game. Unlike most assets, it doesn't rely on just one outcome. A single property can generate monthly cash flow, long-term appreciation, leverage that multiplies gains, tax benefits that protect your income, and depreciation that offsets your liability.  It's not just about the property; it's about stacking advantages so your wealth grows from multiple directions at once. Why do investors lose many on great investments? What makes real estate such an incredible wealth-building asset class, especially now?  In this episode, I sit down with Axel Meierhoefer, the founder of Ideal Wealth Grower, to unpack why real estate is uniquely built for multi-layered wealth, why most investors sabotage themselves before they even begin, and how defining success is the ultimate edge that turns purpose into profit.   Things You'll Learn In This Episode  -Linear vs. exponential thinking Most people still plan for a slow, predictable future. Why is that mindset a liability in an AI-driven, quantum world? -The hidden laws of wealth Wealth isn't random; it follows timeless laws. How do today's investors misinterpret them, and what are the modern rules you actually need to follow? -Real estate's unfair advantage Cash flow, appreciation, depreciation, leverage, why is real estate the only asset that pays you in multiple ways at once? -Purpose as the ultimate filterInvesting without a clear purpose is gambling. How does defining your personal “why” change the way you buy, hold, and exit investments?   Guest Bio Axel Meierhoefer, PhD, is a mentor, coach, author, advisor to startups, and Fortune 1000 companies, and the founder of Ideal Wealth Grower. Wealth Grower offers you the experience, know-how, and strategic planning that help lead to better decisions and becoming financially free through passive income. The team helps investors turn critical and complex real estate issues into opportunities for growth, resilience, and long-term advantage. With a deep understanding of the interplay between today's changing real estate marketplace issues, Ideal Wealth Grower offers clients innovative ideas about how to enhance their results and get ahead of key issues. To learn more or work with Alex, visit https://idealwealthgrower.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™, and a Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

Most investors don't fail because they pick the wrong stock or buy into the wrong trend. They fail because they never define success for themselves. They chase returns without knowing what a win actually looks like. Without a clear target and purpose, investing becomes guesswork, and the chances of losing money are higher. Worse, they choose methods that look cool instead of ones they actually understand. They don't give themselves a hard out, so they hold too long or sell too soon. And often, they pick investment vehicles that only pay them in one way. That's where real estate changes the game. Unlike most assets, it doesn't rely on just one outcome. A single property can generate monthly cash flow, long-term appreciation, leverage that multiplies gains, tax benefits that protect your income, and depreciation that offsets your liability. It's not just about the property; it's about stacking advantages so your wealth grows from multiple directions at once. Why do investors lose many on great investments? What makes real estate such an incredible wealth-building asset class, especially now? In this episode, I sit down with Axel Meierhoefer, the founder of Ideal Wealth Grower, to unpack why real estate is uniquely built for multi-layered wealth, why most investors sabotage themselves before they even begin, and how defining success is the ultimate edge that turns purpose into profit. Things You'll Learn In This Episode -Linear vs. exponential thinking Most people still plan for a slow, predictable future. Why is that mindset a liability in an AI-driven, quantum world? -The hidden laws of wealth Wealth isn't random; it follows timeless laws. How do today's investors misinterpret them, and what are the modern rules you actually need to follow? -Real estate's unfair advantage Cash flow, appreciation, depreciation, leverage, why is real estate the only asset that pays you in multiple ways at once? -Purpose as the ultimate filterInvesting without a clear purpose is gambling. How does defining your personal "why" change the way you buy, hold, and exit investments? Guest Bio Axel Meierhoefer, PhD, is a mentor, coach, author, advisor to startups, and Fortune 1000 companies, and the founder of Ideal Wealth Grower. Wealth Grower offers you the experience, know-how, and strategic planning that help lead to better decisions and becoming financially free through passive income. The team helps investors turn critical and complex real estate issues into opportunities for growth, resilience, and long-term advantage. With a deep understanding of the interplay between today's changing real estate marketplace issues, Ideal Wealth Grower offers clients innovative ideas about how to enhance their results and get ahead of key issues. To learn more or work with Alex, visit https://idealwealthgrower.com/. About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™, and a Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

Changing your mindset can turn obstacles into opportunities and open the way to significant financial success.   In this episode of Sharkpreneur, Seth Greene interviews Chris Naugle, America's #1 Money Mentor, who has used his diverse entrepreneurial background to help people take control of their financial futures. He shares his story, starting with a snowboarding dream and growing into a financial educator who teaches the Infinite Banking Concept. He explores the mindset shifts that drove his success, how he teaches others to build wealth, and his dedication to leaving a lasting legacy through charitable work.   Key Takeaways: → Insights into the Infinite Banking Concept and how it benefits individuals. → The mindset shift that's required to work on the business instead of in the business. → The concept of privatized banking and how it allows individuals to become their own bank. → The importance of aligning wealth-building strategies with personal goals. → Why financial education is crucial for creating a legacy for future generations.   From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. His success and national acclaim have come in large part to what he's learned first-hand from seeking a better way to wealth creation and preservation than he learned growing up.   Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™ and a Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets across the financial services and advisory industries, as well as in real estate transactions.   As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.     Connect With Chris: Website Instagram X Facebook LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Changing your mindset can turn obstacles into opportunities and open the way to significant financial success.   In this episode of Sharkpreneur, Seth Greene interviews Chris Naugle, America's #1 Money Mentor, who has used his diverse entrepreneurial background to help people take control of their financial futures. He shares his story, starting with a snowboarding dream and growing into a financial educator who teaches the Infinite Banking Concept. He explores the mindset shifts that drove his success, how he teaches others to build wealth, and his dedication to leaving a lasting legacy through charitable work.   Key Takeaways: → Insights into the Infinite Banking Concept and how it benefits individuals. → The mindset shift that's required to work on the business instead of in the business. → The concept of privatized banking and how it allows individuals to become their own bank. → The importance of aligning wealth-building strategies with personal goals. → Why financial education is crucial for creating a legacy for future generations.   From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. His success and national acclaim have come in large part to what he's learned first-hand from seeking a better way to wealth creation and preservation than he learned growing up.   Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™ and a Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets across the financial services and advisory industries, as well as in real estate transactions.   As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.     Connect With Chris: Website Instagram X Facebook LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

From the outside, doctors and dentists look like they've got it all: good money, respected careers, the kind of lifestyle most people want. But what almost no one talks about is how fragile that life really is.  One accident, one injury, and the very hands that their entire career depends on can suddenly stop producing income. That was Dr. Jeff Anzalone's reality after a skiing accident nearly ended his ability to practice dentistry. It forced him to realize: as much as medicine can be rewarding, it's still trading time for money, and it can all disappear in an instant. The solution wasn't to abandon his practice, but to build wealth in a way that didn't depend on his hands or hours. Real estate offered the answer, but not the kind most people think of. Doctors don't have the time to chase tenants, fix plumbing, or manage property managers. They need a model that lets them keep their focus on patients while still capturing the benefits of ownership. That's where mobile home parks came in. It's one of the most resilient ways to generate passive income, diversify risk, and create long-term wealth, without becoming a landlord. Why are most doctors skating on thin ice financially? How do you use real estate to stop trading time for money?  In this episode, periodontist and founder of Debt-Free Doctor, Dr. Jeff Anzalone, joins me to dig into why doctors' careers are more vulnerable than most people realize.  We discuss how passive real estate investing gives them financial resilience without sacrificing their practice. You'll also learn why mobile home parks may be the most overlooked wealth-building vehicle in America today. Things You'll Learn In This Episode  -The hidden math of medicine Doctors look wealthy, but most start their careers buried in debt and chasing appearances. How does the “doctor dream” set them up for financial struggle? -A wake-up call on the slopes A skiing accident nearly ended Jeff's ability to practice dentistry. Why did that moment push him to find income streams beyond the chair? -Mobile homes, massive opportunity Mobile home parks aren't glamorous, but they deliver stability and cash flow. Why is this overlooked sector one of the strongest plays in affordable housing? -Who, not how For doctors, it's nearly impossible to focus on their practice while also managing tenants. How did Jeff scale to 11 mobile home parks without becoming a landlord?   Guest Bio Dr. Jeff Anzalone is a periodontist in Louisiana and the founder of Debt-Free Doctor. A few short years ago, he started to worry about my family's financial future. As a solo practitioner, Jeff knew that if something happened to him, no other income would be coming in. These concerns prompted him to take a hard look at his financial future, and he realized that something needed to be done. He learned how to build multiple streams of passive income so that he can replace his active income each year. Now he's helping other doctors do the same. To learn more, go to https://www.debtfreedr.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

Most people who buy life insurance never read the fine print. They're promised "stock market–like returns without the risk," a retirement account that doubles as a tax-free loan machine, and peace of mind for their families. On paper? It looks like the perfect product. But what happens when the math doesn't add up, the illustrations don't match reality, and families find out, years later, that the policy they've been funding is set to collapse? That's the dark underbelly of the Indexed Universal Life (IUL) industry. And it's exactly what my guest, Jonathan, aka the IUL Exposer, has dedicated his career to uncovering. He's reviewed over 4,000 policies in just 18 months, uncovered systemic mis-selling, and even built a process that has helped families claw back over a million dollars in refunds. Jonathan isn't anti-insurance. He's anti–false promises. His work shines a light on how commissions drive product design, why regulators are warning against IULs, and how clients are left holding the bag when agents disappear. This episode isn't about theory, it's about hard numbers, legal battles, and the uncomfortable truths most of the industry hopes you never learn. Things You'll Learn In This Episode -Illustrations are a trap IUL projects steady growth that rarely happens. Why do clients still trust the numbers? -Commissions drive the product IULs are sold 10-to-1 over whole life because they pay the fattest commissions. What does that reveal about whose interests are really being served? -Refunds are possible Families often think their money is gone forever. How are some clawing back tens of thousands in refunds? -Indexes aren't what they seem Synthetic "uncapped" indexes promise market-like returns but rarely deliver. How are clients set up for disappointment from day one? Guest Bio Jonathan Aguilera is the voice behind @lifeinsurancerefunds on TikTok and Instagram, a platform dedicated to exposing misleading life insurance practices, breaking down complex policies, and helping families recover money they thought was lost. Licensed since 2012, Jonathan once built a national agency of 250+ licensed agents with Primerica. But when faced with the choice to "stay quiet to stay compliant" or speak up for what's right, he chose the latter. He resigned, surrendered his securities licenses, and walked away from everything he'd built to launch DTRT Financial, not just a company, but a movement. Jonathan isn't the suit-and-tie advisor chasing commissions. He's the guy who got fed up watching families get misled, overcharged, and under-informed. Through thousands of policy reviews, he's exposed the harsh realities of cash value life insurance while educating the masses on how to make intentional financial choices. Visit IULExposer.com to learn more. About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

Chris Naugle is America's #1 money mentor, a former pro snowboarder turned entrepreneur and founder of The Money School. He has built and managed multiple businesses, authored books on wealth, and now teaches people how to take back control of their finances using the infinite banking concept. Through his methods, Chris has helped thousands of investors and entrepreneurs rethink how money really works.