Podcasts about money school

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    

Misschien twijfel je al een tijdje welk programma het beste bij je past.In deze aflevering neem ik je mee in het verschil tussen de Money Making Impact School, Strategisch Schalen en Expand.Ik leg je uit voor welke fase elk programma bedoeld is en wat je daar concreet leert en ontwikkelt. Je hoort waar de focus ligt per programma, maar ook waarom de basis altijd hetzelfde blijft: sturen op cijfers, strategische keuzes maken en bouwen aan een sterk fundament.Twijfel je waar jij het beste past, dan helpt deze aflevering je om dat helder te krijgen en gerichter de volgende stap te zetten. Wil je met ons in gesprek om jouw bedrijf winstgevend te laten groeien? ⁠⁠⁠⁠⁠Plan hier jouw vrijblijvende call.⁠

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!

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!   

Most business owners only call the bank when they're in trouble. Cash is tight, deals are falling apart, stress is mounting.  By then? It's too late.  The banks shut the doors and wave at you from behind the glass. That's the obvious mistake. The less obvious one? Not realizing the best time to secure financing is when you don't need it. That's when banks give you more, on better terms, and when private lenders are willing to play ball. That's the theme of my conversation with George Otel, founder of U.S. Business Funding. He's closed 400+ deals, from SBA loans to $50M commercial bridge financings.  He's also been on the other side as a business owner who knows what it's like to hit a wall when funding isn't lined up. And right now, while capital feels scarce and multifamily investors are calling this a “3-year recession,” George sees massive opportunity, especially with the $10 trillion baby boomer business sell-off already underway. Things You'll Learn In This Episode  -Banks love you more when you don't need them. You'll get offered more money than you asked for when you're strong, but the second you look distressed, the same lender disappears. Why is that the exact opposite of how entrepreneurs think about financing? -Bridge loans are just the beginning. Fast capital is a band-aid, not a solution. The winners use bridge money only as a setup for long-term refinancing. How do you structure that from day one so you don't get stuck? -Buying beats building in this market. You'll struggle to get a dime for a startup, but banks line up for businesses with systems and cash flow. With trillions in businesses set to change hands, is acquisition the smarter path for the next generation?   Guest Bio George Otel is a business mentor, investor, entrepreneur, and financing expert. He specializes in start-up and business finance options, helping them attract the right capital for their business. George's goal is to educate entrepreneurs, small business owners, franchise owners, business consultants, and professionals on how to obtain capital in today's lending environment and avoid declines. Over the years, George and his partners have helped direct thousands of entrepreneurs and businesses in the US in obtaining access to hundreds of millions of dollars so they could start, grow, and expand their businesses. To learn more, visit http://usbusinessfunding.net/, send George a DM on LinkedIn, or send a text to 414-475-7757.    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! 

Most real estate investors are running the same race: chasing the hottest markets, competing for the same deals, and trying to outbid one another. The problem? That crowded approach often blinds you to the opportunities hiding in plain sight. The truth is, success in investing isn't about following the crowd or chasing trends; it's about looking where others aren't, leading with strategy, and building relationships that open doors no one else can see. That's what sets Aleea Stanton apart. She didn't start investing just to rack up properties. She began with a deeper purpose: to give back to her grandparents, who shaped her life.  That generosity sparked a ripple effect, creating community connections and investment opportunities most investors overlook. In this episode, real estate investor and attorney Aleea C. Stanton joins me to share her journey from practicing law to building a thriving investing career.  We talk about what ignited her passion for real estate, how she finds deals differently than most, and the mindset shift that's allowed her to succeed where others stall out.   Things You'll Learn In This Episode  -Finding the fuel for your fire Identifying your true source of motivation is what drives consistency and purpose in your daily life. What is the one thing that fuels your fire and pushes you to keep going, even on tough days? -Creating a repeatable system that works Mastering the process of flipping houses creates a repeatable system that can be applied to future real estate deals. How can refining one successful process make every future flip more efficient and profitable? -Building a firm foundation Trust is the foundation of lasting success in real estate partnerships. How do you actively build and maintain trust with the people you work with in real estate? Guest Bio Aleea C. Stanton is a seasoned attorney and real estate investor based in New York. She serves as Counsel in the Disputes & Investigations practice at Akin Gump Strauss Hauer & Feld LLP, specializing in white-collar defense, securities enforcement, and government investigations. Her expertise encompasses matters related to the Foreign Corrupt Practices Act (FCPA), securities enforcement, and corporate compliance, with a focus on industries such as technology, oil and gas, aerospace, and defense  Aleea earned her Juris Doctor (J.D.) from Howard University School of Law, where she was a semifinalist in the John J. Gibbons Moot Court Competition.  In addition to her legal career, Aleea is actively involved in real estate investing.  Aleea's unique combination of legal expertise and real estate investment experience positions her as a valuable resource for individuals navigating the complexities of real estate transactions and legal considerations in the industry. Follow Aleea on Instagram @leescheri    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!   

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.    

You've experienced life at the highest level: private planes, exclusive circles, red carpet events, and the luxury that money can buy. But beyond the accolades and access, have you ever found yourself asking, 'Is this all there is?' There's a silent struggle that often shadows success. Behind the velvet ropes and curated lifestyles, many high-profile individuals wrestle with an inner void—an ache that no amount of wealth, recognition, or adrenaline can truly silence. When the applause quiets and the entourage leaves, the stillness can feel suffocating. For some, that emptiness is numbed by alcohol or distraction. The result? A slow unraveling. What once felt like a dream life begins to lose its shape, and the future becomes harder to see. But there is another way forward. Sometimes, it takes losing everything you thought mattered to discover what truly does.  That was David Christensen's journey. Once immersed in the Hollywood elite and high-adrenaline adventures, yes, even Titanic exploration, David found himself at a crossroads as the lifestyle he built began to unravel.  In this episode, he shares how reconnecting with purpose led him to an unexpected but deeply fulfilling new path in real estate.   Things You'll Learn In This Episode  -Keep your eyes on the prize Staying connected to your purpose keeps you motivated through challenges. What's the bigger goal that drives you to keep going when things get tough? -Figuring out your “why” Clarity on your “why” is the foundation for lasting fulfillment and purpose. What would your life look like if every decision you made was aligned with your true “why”? -From red carpets to open houses Managing Hollywood artists and working in real estate aren't actually all that different. What other surprising traits do the two share?   Guest Bio David Christensen is a nationally recognized luxury Realtor and speaker who has sold more than 400 homes and been honored as a 2025 ‘Realtor of the Year' nominee, four-time ICON Agent, and eight-time ‘Best of Zillow' award winner. This year he made global headlines representing the sale of the iconic ‘Breaking Bad' house, featured in The New York Times, Robb Report, and The Wall Street Journal, among others.  Prior to his career in real estate, David managed music artists and projects as an entertainment executive in Los Angeles. He also served as Media Director for a renowned TITANIC expedition, diving 12,800 feet to the wreck site; an experience shared by fewer than 200 people worldwide.  David's life is a powerful story of resilience and reinvention: from Hollywood success to personal collapse, and ultimately to successful entrepreneur and purpose-driven leader. As a speaker, he shares on real estate, transformation, resilience, and turning your "comeback into a calling". Visit https://davidchristensen.com/  Find David on LinkedIn @David Christensen Follow David on Instagram @davidchristensenre  Facebook: David Christensen - Realtor | Bedford NH YouTube: David Christensen - Realtor Email David: david.christensen@exprealty.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! 

You've got something valuable sitting right under your nose: your home's equity. But here's the thing: it's not exactly helping you pay the bills. Your house might be worth a lot more than before, but day-to-day expenses still pile up.  Inflation's squeezing your paycheck, groceries keep getting more expensive, and it feels like you're stretched thinner every month. You're “house rich,” sure, but cash? Not so much. And that's exhausting. The reality is, owning a valuable home doesn't mean your wallet feels any heavier. Lots of folks are stuck in this same spot right now, especially with the economy tightening. But what if there was a way to use that equity, something that works for you no matter what the market's doing? That's where storage comes into play. Storage isn't just some nice-to-have extra space; it's something people and businesses need all the time. Whether people are downsizing, companies need room to grow, or life throws curveballs, demand stays steady.  And because of that, storage has quietly outperformed a lot of flashier investments, even during tough times. In this episode, I chat with Arthur Hood, CEO of HV Family Holdings, about why storage is worth paying attention to, how to break free from being cash poor, and what the future holds for this surprisingly resilient market.   Things You'll Learn In This Episode  -No negatives in 3 decades The storage industry's consistent demand has kept it profitable for nearly three decades. What factors make storage so resilient, even during economic downturns? -The housing shortage dilemma A growing housing shortage is being met with luxury developments instead of the affordable options communities actually need. Why are developers prioritizing high-end projects when the demand is for affordable housing? -Cost segregation = faster depreciation. Cost segregation can accelerate depreciation, giving you larger tax deductions sooner. How could accelerating depreciation through cost segregation impact your tax savings this year?   Guest Bio Arthur Hood is the CEO of HV Family Holdings, a real estate investment firm specializing in self-storage assets. With years of experience in identifying recession-resistant opportunities, Arthur has built a portfolio that thrives in both booming and challenging markets. He's passionate about helping everyday investors turn stagnant home equity into steady, reliable income streams. By focusing on storage—a necessity-driven asset class, Arthur shows people how to create cash flow that isn't at the mercy of market swings. Connect with Arthur 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 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!

You built your business from scratch and poured your heart and soul into it. So it might feel strange, even disloyal, to think about stepping away or exiting.  From the outside, everything's working: sales are up, your team's solid, and your brand is gaining traction. But under the surface? You're tired, the vision that once felt clear now feels fuzzy, and growth has started to feel like a grind. This isn't uncommon. Many founders hesitate to plan an exit because things still feel “fine.” But there's a big difference between “fine” and truly free. Founders leave their businesses for all kinds of reasons, burnout, shifting goals, evolving partnerships, or simply growing beyond what they once built.  The biggest misstep is waiting until things fall apart to start thinking about what's next. How do you build with the exit in mind?  In this episode, I'm joined by Cody Hofhine, the founder of Utah Sell Now, Texas Sell Now, and Joe Homebuyer. As a business owner who has exited four companies, he has a lot to share about what worked, what didn't, and what every founder should consider before making their move.   Things You'll Learn In This Episode -Having the right mentors Learning from mentors who have already achieved your goals provides proven guidance and shortcuts to success. How can following someone who's already succeeded save you time and prevent common mistakes? -Invest in yourself Investing in yourself is the most important step because you are the driving force behind your own success. How are you prioritizing your personal growth to create the impact you want in your life? -Quit linear thinking Embracing non-linear, audacious thinking can spark breakthroughs beyond conventional limits. What bold goal would you pursue if you stopped following the usual rules? Guest Bio Cody Hofhine is a multiple Inc. 5000 business owner, real estate investor/mentor, and sought-after Speaker. He is the co-founder of Wholesaling Inc., the #1 Real Estate coaching program across the nation, and Joe Homebuyer, the leading Real Estate Franchise. Cody has coached over 3000 students on how to successfully build their Real Estate Business through his real estate training, as well as help individuals perform at their highest levels with his one-on-one mentoring. Cody used his background in sales to quickly build multiple 7 and 8-figure real estate businesses that all start on the foundation of clarity or vision and purpose. Visit https://joehomebuyerfranchising.com/  Visit https://codyhofhine.com/  Follow Cody on Instagram @codyhofhine Look out for the Cody Holfine podcast launching August 4th, and stay tuned for the Chris Naugle episode!      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 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!   

Here's the dirty secret in the term insurance industry: They win when you cancel. They win when your policy lapses. They win when you don't understand what you really own. Think about that for a second. You've been sold on the idea that term insurance is the smart, affordable choice. But what no one tells you is this: it's a ticking clock. If you outlive the term, you get nothing. All those years of paying in? Gone. Just like that. Who wins? The insurance companies. Every. Single. Time. They count on you to drop it. They bank on you not knowing any better. But what if you flipped the script? What if you could turn the tides and make term insurance work for YOU? What if you could unlock hidden value in your policy before it vanishes? Because the truth is that you can. There are strategies the wealthy use to extract value from term policies that most people surrender without a second thought. Rob Haynie, Managing Director at Life Insurance Settlements, Inc., joins me in this episode to expose the hidden greed within the insurance industry. We dive into how millions are misled when it comes to term life insurance. More importantly, we reveal how you can flip the script and use your policy to your advantage instead of getting taken for a ride.   Things You'll Learn In This Episode  -Do more than just surrender Most people with term insurance don't realize there are alternatives to surrendering their policy. What if you could unlock hidden value from your term policy instead of just walking away from it? -Slow economy surrender In a slowing economy, many are surrendering their life insurance policies without realizing they may have better options. What are the other things you can do? -Optimizing assets Term insurance can be treated as an asset, just like your home, because you own it. If your term policy is an asset, are you making the most of its hidden value? Guest Bio Rob Haynie is the Managing Director and one of the founding partners of Life Insurance Settlements, Inc. (LIS), a leading life settlement brokerage based in Pompano Beach, Florida. With over 31 years of experience in the industry, Haynie has been instrumental in shaping the life settlement market, advocating for the value of life insurance as an asset class, and educating financial professionals and policyholders about settlement options. Throughout his career, Haynie has been directly involved in negotiating and settling thousands of life insurance policies, earning a reputation as one of the most influential figures in the field. He has served multiple terms on the Board of Directors of the Life Insurance Settlement Association (LISA) and has been a charter member of its Public Policy Committee, which focuses on regulatory and legislative activities within the industry. Haynie is a frequent speaker at industry events and has co-hosted the podcast Unlocking the Hidden Value of Your Life Insurance, where he discusses the benefits and intricacies of life settlements.  Call Rob on 954-599-4433 Email Rob rob@lisettlements.com Find Rob on LinkedIn @Rob Haynie    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!   

Feeling burnt out? You're not the only investor hitting that wall. Long hours, back-to-back deals, tenants, contractors, financing, and the never-ending pressure to grow. You got into real estate for time freedom and financial independence, but somewhere along the way, it started to feel like just another grind. Here's the truth most investors won't say out loud: Burnout isn't a rite of passage, it's a red flag. And ignoring it can cost you more than just momentum; it can eat away at your health, relationships, and your reason for investing in the first place. But what if there's another way to build wealth? A shift from burnout to balance. It's not about more doors, bigger portfolios, or chasing status. It's about designing a real estate business that gives you the life you actually want. In this episode, I'm joined by Ashley Kehr, a rental property investor and co-host of the BiggerPockets Real Estate Rookie Podcast. She shares her journey of stepping off the hamster wheel and into a simpler, more powerful version of success. One built around freedom, clarity, and sustainability. Things You'll Learn In This Episode  -Opportunities in real estate investing Real estate investing can offer more than financial security; it can create freedom, flexibility, and a lifestyle on your terms. What other opportunities can real estate investing open up? -Shiny object syndrome New entrepreneurs and investors often fall into the trap of chasing trendy opportunities instead of staying focused on proven strategies. How do we focus on moving the needle instead of the next big thing? -Build a firm foundation Start by leveraging your strengths and skills, then pursue your passions once you've established a solid foundation. How can focusing on current strengths pave the way for achieving long-term goals? Guest Bio Ashley Kehr is the co-host of the Real Estate Rookie Podcast. Just a few years removed from being a beginner herself, Ashley is now helping newbies figure out actionable steps to get their first deal. She has a dual degree in finance and public accounting and recently became a licensed insurance agent. Ashley purchased her first rental property in 2014 and, since then, has grown her buy-and-hold portfolio to over 30 units. She has experience in residential and commercial properties. She attributes much of her success to the use of partners on several real estate deals and creative financing. Ashley developed a passion for real estate after quitting her staff accountant job to work as a property manager. Within several years, she had created two property management companies, which she ran for over five years. Her specialty was creating systems to work efficiently and remotely within companies. Currently, Ashley outsources property management and spends her time educating new investors and finding deals to BRRRR. Visit https://www.biggerpockets.com/  Be a guest on the BiggerPockets Real Estate Rookie Podcast https://airtable.com/appnZ2AGUknfciOzu/pagvbFaEPNprDBVKi/form  Listen to the BiggerPockets Real Estate Rookie Podcast here https://www.biggerpockets.com/podcasts/real-estate-rookie  Follow Ashley on Instagram @wealthfromrentals  Visit https://www.ashleykehr.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!

In this episode, I sat down with my good friend and financial wizard Chris Naugle to break down the trap that's keeping most Americans broke—being house rich and cash poor. We talk about the habits that formed after COVID, the rise in credit card delinquencies, and how people are sitting on equity but have no cash flow. Chris shares his powerful “recycle and recapture” strategy using HELOCs and infinite banking to actually grow wealth instead of staying on the debt hamster wheel. We also pivot to what's happening in real estate development, how luxury units are failing, and why affordable housing is the opportunity of the next 2–3 years. This is a masterclass in personal finance and smart real estate investing that everyone needs to hear.   -- Chris Naugle is a nationally recognized money mentor, real estate investor, and the founder of The Money School and Be Your Own Bank. A former professional snowboarder turned financial strategist, Chris has helped over 10,000 people take control of their finances using the principles of infinite banking, private lending, and strategic wealth-building. Connect with Chris Naugle Website: www.chrisnaugle.comYouTube: @ChrisNaugleInstagram: @thechrisnaugleFacebook: Chris NauglePodcast: The Chris Naugle Podcast -- Thank you to Mando for supporting today's podcast! Stay Fresh, Stay Confident with Mando! Tired of body odor? Mando Whole Body Deodorant keeps you fresh for up to 72 hours—pits, feet, and everywhere in between. Grab the Starter Pack and get $5 off (over 40% off!) with code [COLBY] at ShopMando.com. Smell fresher, stay drier, and boost your confidence. Get yours today! -- About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he's actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby  

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she tackles the challenge many women face: how to invest and grow wealth when their spouse or partner isn't supportive or involved. She shares mindset shifts, actionable advice, and the emotional side of navigating financial independence within a relationship.Key Takeaways:You don't need permission to start investing.Communication can shift resistance into curiosity.Investing is both a financial and emotional journey.Timestamps: 00:01 investing without a supportive partner01:25 real-life client stories04:12 how fear can mask as resistance06:30 don't wait for a green light08:40 building your own belief first10:55 balancing love and independence13:20 what to say when your partner says no16:05 how Money School helped other women18:35 financial safety is internal21:10 becoming the CEO of your life23:25 investing is a form of self-respect25:00 final thoughts and encouragementConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

You're out in the real world, trying to “figure it out,” but instead, you feel lost, stuck. Everyone told you that once you got the degree, the path would appear. But here you are, overwhelmed, second-guessing, and unsure where to even begin. It's exhausting. You're watching others seemingly take off while you're still parked at the starting line. The pressure builds. Mentally, you're battling doubt. Financially, you feel the weight of responsibility. And the worst part? You want to start, but you just don't know how. That's where Taylor Clark was. Done with school. Spinning in circles. So she tried everything. Said yes to new experiences. Flirted with a bunch of paths. And then one call with Gary Vee changed her life. Not because he handed her a golden ticket, but because she finally picked her thing… and went all in. What if that one call, that one moment of clarity, could change your entire direction? Are you ready to stop floundering and start moving with purpose? What sacrifices are you willing to make to break through your barriers? In this episode, Taylor Clark joins me to discuss her journey, how her conversation with Gary Vee completely changed her world, and helped her find her path.    Things You'll Learn In This Episode  -Comparison is the thief of joy Your journey is unique, and comparison only distracts you from your own progress. What could you achieve if you focused entirely on your path instead of someone else's? -Genuine influence or vanity metrics A strong social media presence can give you a competitive edge, but vanity metrics like bought followers can distort true influence. How do we build genuine influence online instead of just chasing vanity metrics? -Three feet from gold Success is often just beyond the point where most people give up. What if the breakthrough you've been chasing is just one more step away? Guest Bio Taylor Clark is the founder and creator behind The Fabulous Journey, a lifestyle blog and YouTube channel that chronicles her adventures in fashion, travel, and personal growth. With a background in fashion design and retail business, she has worked with renowned brands such as Vera Wang Bridal and Rachel Zoe Styling. Her platform offers readers and viewers insights into living life to the fullest while embracing style and authenticity. In 2017, Taylor gained significant attention when she appeared on Gary Vaynerchuk's Ask Gary Vee show. During the episode, she discussed her entrepreneurial aspirations and sought advice on navigating the challenges of building a personal brand. Her candid conversation with Gary Vee resonated with many, leading to widespread recognition and inspiring others to pursue their passions with determination. Through The Fabulous Journey, Taylor continues to inspire her audience by sharing her experiences and encouraging others to embrace their unique paths in life. Follow Taylor on Instagram @thefabulousjourney Subscribe to The Fabulous Journey on YouTube @TheFabulousJourney Find Taylor on LinkedIn @Taylor Clark    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!   

Families are house-rich but cash-poor. Sound familiar? Your home's value has skyrocketed, but so have interest rates, and now you're stuck. Stuck with rising expenses. Stuck with high-interest debt. Stuck with equity… trapped in the walls of your own house. It's like having a vault of money you can't touch, while inflation and debt slowly suffocate your financial freedom. What if your house could pay off your debt? What if you could control your money instead of the bank controlling it? How much faster could you reach financial freedom if your home worked for you? There's a smarter way to tap into that hidden wealth, and it's called a First Lien HELOC. This isn't your typical home equity line. It's a powerful financial tool that lets you access your equity, pay down debt faster, and use your home to build real wealth, not just sit on paper gains. In this episode, I'm joined by Harrison George, Mortgage Loan Officer at CMG Financial, to discuss how you can use your home's equity to pay off debt. We break down how it works, the potential benefits, and why it might be a smart financial move to consider.   Things You'll Learn In This Episode  -Creating wealth from existing debt Strategically refinancing existing debt can turn what's traditionally a liability into a source of capital for wealth-building. How could you restructure your current debts to start funding income-producing assets? -A self-completing financial cycle A First Lien HELOC can streamline and optimize your entire financial system by combining debt repayment and cash flow management. What else can it do for us? -Is more better More policies don't always mean better results in a private banking system. How do you know when adding another policy is helping or just complicating your system? 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 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!