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 Jim Oliver founded Create Tailwind in 1988 in Denver, Colorado. Originally, a full-service financial planning firm, Jim and his team weathered two major corrections on Wall Street and pivoted Create Tailwind's focus to building wealth beyond Wall Street. Teaching clients to create wealth without Wall Street brokers and financial planners took off, to most people becoming their own banker was something they couldn't envision. Most people park their money in qualified plans or with a broker and hope that the money grows. Jim reminds his clients that hope is not a strategy. He teaches his clients that becoming their own banker means they accumulate money, and they deploy it to make it even more money, this is the mind shift. Under Jim's leadership Create Tailwind exploded to become a multilocation nationally recognized firm helping 1000s of individuals and businesses around the United States.    Questions • So, we always like to give our guests an opportunity to share with our listeners a little bit about their journey, how they got to where they are today. So, could you take some time on share that with our listeners, Jim? • Could you take some time to share with our listeners a little bit about your company – Create Tailwind? I know I read about it in the bio, and in terms of what you help them doing, just share with us, what are some of the value-added opportunities that you are offering to your clients? • What are some of the key things that you try to do with your clients in terms of supporting them? I know you offer the courses and you're teaching them a theory. But let's say for example, you're working with a client, this mindset that you're trying to encourage or envision, it's not clicking for them. What are some strategies or techniques that you utilise, to kind of get those persons on board to transition them from where they are to where you want them to be? • What are some things that you found, give me three things that you find tend to be general obstacles that prevent persons from reaching their maximum potential when it comes to wealth? And then you listen to all of these podcasts and you listen to all of these or read these books, and they say there's a difference between being rich and being wealthy. How do you get people because if you look them up in the Oxford dictionary, they pretty much have the same meaning. So, how would you differentiate? • Could you also share with us what's the one online resource, tool, website or app that you absolutely can't live without in your business? • Can you also share with our listeners, maybe one or two books that have had a great impact on you, it could be a book that you read a very long time ago, or even one that you've read recently. • Could you also share with our listeners what's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. • Where can listeners find you online? • Before we wrap our episodes up, Jim, we always like to ask our guests, could you provide us with a quote or a saying that during times of adversity or challenge, you will tend to revert to this code, it kind of helps to get you back on track, if for any reason you got derailed. Highlights  Jim's Journey Jim shared that he was born in Los Angeles. And he has five siblings, and he was a middle child, but he was given up for adoption. And this is kind of the PG version, but his mother, his birth mother said that she was raped, and her husband thought that she had an affair. He (Jim) found out at 55 years old that he was actually his father. But he grew up in foster care and then he grew up in a very poor area of Los Angeles.  And he became fascinated with money and he also became fascinated with business owners because he started working in a casket factory when he was 13 years old, swinging a hammer and he watched the business owner and he knew that he lived on the hill of Palace Vertis, which was a foreign country to him.  It was where people had wealth, they had abundance, they had all of these things, that the people in his neighbourhood, they didn't have any of those things. And he really just was driven by what do those people that live on the hill know and by the beach know and in Beverly Hills know that the people that live in Inglewood and neighbourhoods like that, that they don't know. And he went to school, did everything the way that he was supposed to, learned about Wall Street and investments. And he did that, and he was very successful at building a financial planning firm.  But then he realized that his clients weren't getting wealthy in Wall Street. And he analyzed all of his clients and he threw out all the ones that got lucky. They were the janitor at Google and they just made millions of dollars. He threw the lucky ones out and he said, “What is it that my clients, my really wealthy clients, what have they done to become wealthy?” And it came down to two things, business owners and real estate. And he changed his whole focus to teach people how to be business owners, and how to own real estate, and how to build cash flow and assets, instead of Wall Street instruments and government-controlled plans.   About Jim's Company Create Tailwind and Value-Added Opportunities for Clients Me: Could you take some time to share with our listeners a little bit about your company – Create Tailwind? I know I read about it in the bio, and in terms of what you help them doing, just share with us, what are some of the value-added opportunities that you are offering to your clients?   Jim shared that the other thing that he realized is that every financial planner in the world is trying to sell something to their prospects, clients, customers, and he didn't like that, he didn't want to sell. So, what he decided is that the reason that he decided to personally start to build cash flow instead of instruments, assets instead of instruments, and not try to build up this lump sum, nest egg, is he became more and more educated about cash flow and assets, and banking, and becoming his own banker, and how he could control the banking function in his life.  And so, he decided that what he would do is he would just educate other people. So, the way that they serve their clients, and really help them understand the landscape out there, and how to build wealth, is they educate them. They have a community, that's Create Tailwind community. And it's Create Tailwind, because they're all fighting a financial headwind, and he's showing you how to turn that around so that wind will actually push you forward, instead of fight against your progress.  And at the community Create Tailwind, they just teach people, they teach people and the community members teach each other. But they have courses, they have discussions, they have book recommendations, they have book reviews, they have all of these different things that is intended to do one thing, educate their customers, and anybody really that is interested, anybody can join the community for free. And they learn about taxes and how to be more tax invisible, they learn about becoming their own bank, how a bank works, and how you can control the banking function in your life instead of the commercial bank. How your need for finance over your lifetime is much greater than your need for an investment. All of these things, they're basically teaching people so that if they choose, they can change their mindset. And they can change their path to where they're on the path of wealth, instead of the path of financial slavery, like most people are.   Strategies and Techniques Utilized to Transition from Where They Are to Where They Want Them to Be   Me: What are some of the key things that you try to do with your clients in terms of supporting them? I know you offer the courses and you're teaching them the theory. But let's say for example, you're working with a client, this mindset that you're trying to encourage or envision, it's not clicking for them. What are some strategies or techniques that you utilize, to kind of get those persons on board to transition them from where they are to where you want them to be?   Jim stated that that's a great question. And what they do is they do Zoom meetings, even way before COVID. They did Zoom meetings, and originally it was WebEx back in the day. And they will get on there and they will do Q&A…whatever questions you have….whatever things aren't making sense. And he has this board that he draws on, it's a graphics board. And he finds that people learn visually, a lot more than they learned verbally and so, when you're thinking about money and the way money flows, and the way that money works, they need to see numbers, they need to see the flow. So, he draws that out, or the team draws that out for them.  And they can see it and they can say, “Hey, but I don't understand this. I don't understand that.” They can ask any question they want. They do that individually and one on one on a Zoom meeting, so you don't have to ask the question in front of a group.  They also occasionally do live Q&A meetings where the community will ask questions live, and they answer those questions live. And so, that's really the big focus is that and they're always building more content, more content to help their clients understand what they need financially out there in the world, and how to protect themselves and their families and their businesses.   Obstacles Preventing Persons from Reaching Their Maximum Potential When it Comes to Wealth Me: Now, Jim, you've been doing this for quite a bit a years now. What are some things that you found, give me three things that you find tend to be general obstacles that prevent persons from reaching their maximum potential when it comes to wealth? And then you listen to all of these podcasts and you listen to all of these or read these books, and they say there's a difference between being rich and being wealthy. How do you get people because if you look them up in the Oxford dictionary, they pretty much have the same meaning. So, how would you differentiate?   Jim shared that the first is show them what is happening now. If you put money in a 401 K, or an IRA, or some government backed programme, that has rules, penalties, all this stuff, or if you put money in Wall Street, here's what's happening to it. Here's how inflation works. Here's how fees and expenses inside those funds work. Here's how commissions work. And so, it's kind of like, if you know what's happening, you'll know what to do. So, the first thing if somebody doesn't realize what's happening to their money, he has to show them how a bank works. And so, they kind of show them what really is going on.  The second thing is, the second obstacle is that we've been filled with noise. And the funny thing is, he heard this number, and he really think that it's accurate, is that we see 5000 marketing messages a day. Now, it could be on TV, it could be a logo on somebody's shirt. But all of that is designed to get our money to flow away from us. We see a shirt that we like on TV and it has the logo, and you think I want that shirt, I want those shoes, somebody is wearing shoes, they're driving a car, if you think of all the input, all of that noise every day, but there's nothing that's designed to help us increase our cash flow. It's designed to get us to flow our money away from us to someone else. And the difference between wealthy people and poor people, is wealthy people get money to flow to them. And poor people, all their money flows away from them. And so, that's the second obstacle.  And then the third obstacle is, “Okay, I understand what's happening, I get that I've been taught the wrong things about money. But I don't have anybody to help me, I don't have anybody to help me get from where I am to where I want to be.” So that's the third thing that he would say is that you have to find a coach. Whatever community that you're in, it doesn't matter whether you're in a lower income community, inner city, rural, it doesn't matter. There are people in that community that are buying assets that own the apartment complexes, the mobile home parks, the RV parks, the businesses, they own those things, and they are more than happy to help you if you ask.  So, the third thing and how what he really believe that you have to have is you have to have a guide, you have to have a coach, if you think about it, in every movie that you've ever seen, the person that has a problem meets a guy, they need a coach and that coach helps them overcome their dilemma. Tiger Woods, the greatest golfer of all time, he has a coach and the reason is, is that so the coach can help him learn how to do what he does better and better and better and give him the confidence.  So, those are the three things that he believes that are obstacles for people to grow their wealth and have everything in life that they want and have that abundant mindset that is limitless in creating cash flow to them.   App, Website or Tool that Jim Absolutely Can't Live Without in His Business When asked about online resources that he cannot live without in his business, Jim shared that he would say that it's Zoom, because that's how they communicate with their clients and there are other competitors, but he finds Zoom to be the easiest for his clients and customers to use. It doesn't require that you join or login or anything else, you can just go to the www.zoom.us and plug in the meeting and plug in the password if there is one, and you're in the meeting. And you could be meeting with anybody at any time 24/7 and you could see the person, the person can share and use a whiteboard, and they can do all kinds of things. So, that's the one thing that he wouldn't be able to operate his business without.   Books that Have Had the Biggest Impact on Jim When asked about books that have a great impact, Jim shared that he'll give one from a really long time ago and it always kind of surprises people, but it's Jonathan Livingston Seagull: The Complete Edition and it's by Richard Bach. He's the author and they used to, he's (Jim) 57 years old, so they don't make kids read this anymore. But here's the gist of the book is Jonathan Livingston Seagull is a seagull and seagulls don't have very exciting lives, they eat, they fly from here to there, they don't do anything. But Jonathan, he wanted to fly and do stunts, and he wanted to go out and see what was out there in the world. Well, when you grow up poor in Los Angeles, and you think, is this it? Do I just have to stay here and accept my life as it is, and be poor the rest of my life? Well, Jonathan Livingston Seagull taught him, “No I don't, I can go out and do other things. I can be anything that I want to be.” And so, that book had a huge impact on him.  And then the second one is Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! By Robert T. Kiyosaki, because it gave him an example, he didn't like school very much. And so, if the path, the only path was to study hard, get a good job, get straight A's in school, and then work his way up the ladder and hope that he was in the good old boys' club. He doesn't think he could have done that. But Rich Dad, Poor Dad showed him an alternative, it showed him a different way that it didn't really matter about his formal education, it was how he educated himself outside of school, the mentors that he had, the people that had what he wanted, and that would share with me how they did it.   What Jim is Really Excited About Now! When asked about something that he's really excited about, Jim shared that the one thing that he's really excited about is he has a book coming out in June 17, 2023. And like he said, he struggled in school. So, he was a stutter, he didn't write very well. So, for him to write a book, he's really excited and proud of the fact that he's telling his kind of life story in the beginning, in his humble beginnings, and kind of where he is now. And then if he can do it, you can do it. And so, he's excited to share that message with people and give them the foundation of how to start today to change their lives.   Me: Nice. So, we will definitely ensure that we are able to keep in touch with you so that we will have first dibs on that book when it is released. Jim stated that he would love that.   Where Can We Find Jim Online Email – jimoliver@createtailwind.com Website – www.community.createtailwind.com   Quote or Saying that During Times of Adversity Jim Uses When asked about a quote or saying that he tends to revert to, Jim shared that one thing is there's an old quote that he changed it was, “Adversity introduces a man to himself.” Now, that's an old quote. So, he says, “Adversity introduces a person to themselves.” And it reminds him that in the Bible, it says that we are going to have trials. And that trials, it says that, that those trials will introduce us to ourselves, that it will create confidence, that it will create strength, that God is like stirring this pot of silver and getting rid of the impurities until He can see His reflection in us. And so, getting rid of those impurities is adversity and obstacles and they just make you stronger, they make you who you are, so when you're in the middle of it, just remember that that adversity is going to introduce you as a person to who you really are and it's only going to make you stronger.    Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Links ·  Jonathan Livingston Seagull: The Complete Edition by Richard Bach ·  Rich Dad, Poor Dad: What the Rich Teach Rheir Kids About Money That the Poor and Middle Class Do Not! By Robert T. Kiyosaki   The ABC's of a Fantastic Customer Service   Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners  Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!   The ABC's of a Fantastic Customer Experience Webinar – New Date Register Here  

Brendon Baker is the founder of Australian-based Valuable Change. Even as a young child Brendon wanted to work in business and entrepreneurship. He started his first business at the age of 8, going door-to-door washing cars. In this episode, Charles learns more about how Brendon perfected his sales approach. The key? Reading, experimentation, and failure. So what is Brendon's change philosophy? Ask a lot of questions. Provide solutions based on individual client needs. Simplicity is best for moving from point A to point B. KEY POINTS There are three ripples that bring about change: be really clear on why the change needs to happen, bring your team onboard by highlighting what success will look like, and gain momentum by making the public and other stakeholders excited about the change. Without a willingness to take action, change can never happen and projects can fail. The best way to sell is to first build relationships. RESOURCES MENTIONED Rich Dad, Poor Dad: What the Rich Teach Their Kids about Money that the Poor and Middle Class Do Not – Robert T. Kiysaki Valuable Change: What You Need to Know to Ensure Your Change Pays Off – Brendon Baker Creating High-value PMOs: Your Essential Guide –Brendon Baker ABOUT YOUR HOST, CHARLES HSUAN I know the pressure you are under. I understand your problems, what's causing them, and exactly what you need to do to solve them... Born with ADHD and not fitting the mold, I understand if you are an entrepreneur not looking to fit in with the rest of the market. Since 2004, I've exceeded sales targets and generated millions of rands in sales for companies. 90% of my clients have experienced sales growth from my training and coaching. If you are Smart, Hungry, and Humble. Let's work together!

Where do our relationship and understanding of money come from? How has it shaped who we are today and the decisions we make? How does our money mindset impact our practice and our business success? There are just some of the questions that my friend, Garrett Gunderson, and I discussed during our time together. If you're open to a radically new perspective on money and how you can use it to transform yourself personally, you're going to love this interview. Here's some of what we covered: What is money? Where does our money mindset come from? What shapes our relationship with money? How does money affect our relationships? What are other ways to measure success at home and in business aside from money? What are some of the biggest money mistakes small business owners/practitioners make? What inspired you to do standup? Where's a good place for us to invest our time and money? What's more valuable, time or money? What's some business advice you wish you'd gotten when you were just starting? For those of us with children, what are tools you can share with us to shape their money mindset towards abundance? What's a piece of advice that you wish you had taken?   Key Takeaways: [1:02] Sachin welcomes listeners to Perfect Practice. Sachin welcomes and introduces his friend, Garrett Gunderson.   [1:12] Garrett is profoundly intelligent and funny and in this episode, he takes a topic that many of us have challenges with and make it enlightening and entertaining. Sachin welcomes Garrett and introduces him. Garrett turned 44 on the day of this recording!   [3:47] Sachin shares Garrett's bio.   [6:12] Garrett tells about his Spiderman adventure with his two kids in his neighborhood.   [7:11] Garrett has an upcoming book that he has been working on for seven years. It is intended to take you on a journey of engagement to shape how we look at money and finance. Garrett believes it is time for a new conversation around money and this book will start it. The title of the new book is Money Unmasked.   [9:32] Money is a tool of efficiency. It is a snapshot that represents the value you've created up until this time. That could include luck. For most, it represents the energy that you've put out into the world because you've either served someone, solved a problem, or added value. It's not why you're valuable. It does not dictate what you are capable of doing. [10:04] Money doesn't reflect your potential nor determine your destiny but it's a way that we can tap into other people's abilities to be more efficiently connected to what we're doing.   [10:43] Garrett shares his thoughts about investing. We want our investments to grow, but what happens when it's more than we can handle? What if you buy too many pieces of real estate or get involved in too many cryptocurrencies? The less related we are to our investments, the more risk we invite of not being clear about how we deliver value.   [12:01] You connect to people in relationships without money being a determining factor. See each other for the moment that we are in, not for the things we have. We struggle because we think that our value is in our money. People pose that they have more than they do, which creates jealousy and envy.   [13:59] Don't connect your happiness to markets. Make investments in your skillset, and the best essence of your life. Investments can make you long-sighted or short-sighted. Everything in-between is where the joy and fulfillment come in. Garrett could buy real estate, but he only buys real estate that he can utilize. He uses his money intentionally. He never wants to retire.   [19:03] Garrett makes investments in himself as a human being for the connections he can have with other human beings because of that. He doesn't want to invest in mutual funds because he's not connected to them.   [20:24] Garrett asks questions to get to the best understanding of things. When people tell him “it's science,” he asks what studies they are citing and where the science comes from. Better questions lead to better relationships and better learning that doesn't come from the classroom. The classroom does not teach much about money. Garrett talks about the Series 65 test.   [22:47] No one is smarter than you in your soul purpose, in your values, in your abilities, in your passions, where you are at your best. Don't do what everyone else is doing. What everyone is doing hasn't led to sustainability, peace, and prosperity.   [23:35] Why Garrett is contrarian.   [24:45] Garrett tells how his views changed at age 18 when he went with a friend to teach English in South Korea. He found out that people are people, around the world. He learned about propaganda. He started asking different questions to start understanding what governments and financial institutions might do to control people.   [29:23] Garrett's views on money and finance developed when he began an internship selling insurance and mutual funds at age 19. He asked questions about the RRSP and learned about the downsides. He kept asking questions and then wrote Killing Sacred Cows about the nine financial myths people can't detect.   [32:23] We have four money personas. A lot of our money mindset comes from scarcity. Misers hold on to what they have. Conservatives accumulate for the future. Strivers earn more to have more status. High Rollers are addicted to opportunity. They all come from scarcity thinking that there's only so much to go around. It is consumer conditioning. It started with Edward Bernays.   [33:13] Edward Bernays is the father of modern consumerism, which is a zero-sum game and scarcity. Childhood trauma has an effect and if we don't address childhood trauma, we don't mature in our money mindset. Garrett talks about his latest book, Disrupting Sacred Cows.   [34:27] Money affects our relationships. Garrett uses his marriage as an example. Once he and his wife understood their money personas, in 2008, they have not had a financial fight since. In their first year of marriage, they fought about finance over anything else. When we don't understand the money factors that move us, we make bad decisions.   [36:02] Money affects our health. It's a chronic stressor. When we focus on money we are not present or at peace.   [37:09] When people say they cannot afford their healthcare, they mean they are not worthy of it. Ask how you can afford it. Break it down into price, cost, and value. Garrett elaborates. If people don't take care of their health now, they will spend far too much time in hospitals or decrepit. He uses the birth of his son, and a defect he had, as an example.   [40:15] Chapter 7 of Garrett's new book talks about reclaiming time. Time is not money. Energy is money. If you are overworked or depressed, you will be able to deliver less value in the marketplace. Time is a measurement. Garrett explains using time for your soul purpose.   [42:54] In 2006, Garrett lost a business partner, Les McGuire, in a plane crash. For the next four months, he worked more but got less done because he was exhausted, trying to do it all himself. Receive support from other people instead of trying to do everything on your own. People are always willing to help. Sachin offers a recipe for being rich. If we were simply content, most problems would be solved.   [46:13] Garrett reflects on the advice he received but didn't follow from Mike Sloan about ambition. He ended up doing things he didn't want to do and was busier than he wanted to be because he was too ambitious for money. He should have listened to him. His ambitious past behaviors have ramifications in his marriage today.   [48:25] Garrett suggests how we can teach our children about mindset. He is teaching his children about purpose, career, fulfillment, and leisure; things that usually get pushed aside because of money. His oldest son is filming it and making a production, called Schooled. To end each lesson there is a fun purposeful activity to add structure to the teaching.   [51:58] Instead of defaulting to telling your children, “We can't afford this,” ask, “Is it worth it?” Or say, “It's not a priority right now. If you guys want to be a part of it, we might match the earnings.” Words cast spells. A lot of people are under the spell of scarcity and consumption, so break the spell. Garrett has conversations about service to others with his children.   [53:41] Garrett gives his advice for closing out 2022 and moving into 2023. There are millions of problems in this world and they should begin at the end of your driveway, not in your home. Don't get caught up in an economy that's impossible to predict. Focus on yourself. on your self-care, and on how you can serve more people, consistent with who you are.   [55:25] Learn more about Garrett at GarrettGunderson.com. Take the Money Persona Quiz at GarrettGunderson.com/quiz to predict what your bad money behavior might be or look at how to get in a better spot with your qualities. He invites you to come to his comedy shows or buy his books.   [56:28] Sachin thanks Garrett for being on the podcast to share his insights with practitioners. Our money mindset gives us permission to invest in ourselves. Sachin thanks you for tuning in today.   Mentioned in this episode Perfect Practice Live MindShare365 Genius Network Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, by Robert T. Kiyosaki The Millionaire Next Door: The Surprising Secrets of America's Wealthy, by Thomas J. Stanley and William T. Danko Dave Ramsey's Financial Peace University: This Is Where It All Begins, by Dave Ramsey The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey Money Unmasked, by Garrett Gunderson (coming soon)! Series 65 RRSP 401(k) Edward Bernays Bitcoin   A little bit about me, Garrett: I'm a modern-day “renaissance man,” well, maybe. An Inc. 500 founder of a financial firm and amateur barista. A rookie fly fisherman and Wall Street Journal #1 Bestseller. A public speaker who's delivered hundreds of keynotes, and a mediocre guitar player at home. A bow hunter, Traeger grill semi-pro, former cross-fitter (emphasis on the former), and a whisky sommelier, which is real, and just as “douchey” as it sounds. But maybe the best way to know me is from a few notes my wife wrote: A man who can only drink tequila under supervision. A man who will stop at nothing to provide his wife food if she gets HANGRY — self-preservation really. A dad who was totally cool with letting his sons go anywhere with him, in any costume they may have on! (Yeah, a client offered my kids $100 to knock on every door in the neighborhood with the three of us sporting Spider-man costumes saying “the neighborhood is safe.” (My costume was too small, and more Moose Knuckle Man than Spider-man, but hey, that $100 spent the same.) A man who can't fix a toilet, but can help you become financially independent so you can hire someone else to do it for you. A man who supports his wife's meditation, even if she is just sleeping. A brother who bailed his sister out of jail, while almost going to jail himself in the process. A father who loves and adores his sons for exactly who they are. A son that loves his parents with all his heart. A man loyal to his family and friends, but most of all, his values. Here's how you can learn more about Garrett's work: What would the Rockefellers do?: How the Wealthy Get and Stay That Way, and How You Can Toohttps://amzn.to/3AfFSSM Disrupting Sacred Cows: Navigating and Profiting in the New Economy  https://amzn.to/3QEBm5S Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperityhttps://www.amazon.com/Killing-Sacred-Cows-Overcoming-Destroying/dp/1929774516 Here's where you can connect with Garrett: FB: www.fb.com/garrettgunderson IG: @garrettbgunderson Website: www.garrettgunderson.com Money Persona Quiz: www.garrettgunderson.com/quiz   More about your host Sachin Patel How to speak with Sachin Go one step further and Become The Living Proof Perfect Practice Live sachin@becomeproof.com To set up a practice clarity call and opportunity audit   Books by Sachin Patel: Perfect Practice: How to Build a Successful Functional Medical Business, Attract Your Ideal Patients, Serve Your Community, and Get Paid What You're Worth The Motivation Molecule: The Biological Secrets To Eliminate Procrastination, Skyrocket Productivity, and Get Sh!t Done

Bijou Condo worked as a registered nurse for a few years but shifted to investing in businesses and real estate. When she moved to England to study nursing, she didn't have family or anyone to stay with, so she learned to live on a budget. That experience laid a good foundation for her to become a successful entrepreneur. She became passionate about real estate and financial freedom and worked hard to achieve her goals. After college, she met Claude Condo, now her husband, who educated her about real estate investing. Together, they have scaled their portfolio and now own businesses and commercial real estate properties. They believe that focusing on just one investment is risky. You need to have multiple income streams. Their journey wasn't easy initially, but their passion and consistency helped them overcome the challenges. Listen now to hear Bijou's inspiring story and learn how you can achieve financial freedom and be successful!Key Points from This Episode:Bijou Condo's early years in Congo, Central Africa.Moving to England to study nursing.A change in mindset from becoming a nurse to owning real estate.Learning a hard lesson from her first opportunity to purchase a property.Meeting Claude Condo, who was already doing real estate at that time.Their first investment together was a commercial property.Bijou's growth as an investor: when did she become comfortable investing in and managing deals?The importance of learning how to budget your money and the value of consistency to become a successful investor.The lessons they learned about working with lenders and brokers in their first few deals.Bijou and Claude's current businesses and real estate investments.What's on the horizon for Claude and Bijou Condo?Tweetables:“Slow is the new fast.” [00:18:53]“Consistency is important. You have to keep going.” [00:30:03]“You can never be sure of just one type of investment. You always have to be willing to learn and to change when you have to, whether it's comfortable or not comfortable.” [00:39:57]“I enjoyed practicing nursing, but I hated being dependent on a paycheck.” [00:40:24]Links Mentioned:Rx Real Estate Investment websiteCondo Foundation websiteHomestead Community PharmacyRich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert KiyosakiWealth Can't Wait: Avoid the 7 Wealth Traps, Implement the 7 Business Pillars, and Complete a Life Audit Today! by David Osborn

• UCSB in the 90s (5:00) • the California Parks system (10:45) • his early career (16:22) • personal/professional development (18:40) • why no one should ever sell (22:00) • UCSB in the 90s (5:00) • the California Parks system (10:45) • his early career (16:22) • personal/professional development (18:40) • why no one should ever sell (22:00) • learning from his mistakes (23:15) • discipline (27:15) • real estate romance (29:35) • getting into the property management game (34:30) • someone who gave everything (36:55) • Capstone Contributes event (41:25) • Sleep in Heavenly Peace (50:00) • sellers' regret (56:26) Capstone Realty Professionals Website https://soldonphoenix.com/ SOCIAL MEDIA Instagram · @ed.drummond · @capstonerealtypros · @rachaeldrummondloanofficer LinkedIn · Ed Drummond · Capstone Realty Professionals Facebook Business Page YouTube Channel COMMUNITY ORGANIZATIONS Capstone Contributes Homeless Engagement Lift Partnership Sleep in Heavenly Peace BOOKS Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Millionaire Next Door: The Surprising Secrets of America's Wealthy by William D. Danko --- Send in a voice message: https://anchor.fm/intothestorm/message

Dr. Anna Harrison is a top ranked Digital Technology Advisor, Product Expert and Author. Anna's work has helped New Zealand's best exporting and emerging brands create strategic and measurable plans to accelerate growth in new markets. Supported by successes across Europe, Asia, and the USA, Anna's work will help you remove your reliance on luck in the future success of your brand.   Questions   We always like to give guest the opportunity to kind of just share a little bit about their journey in their own words. Your book Digital Brand Romance, could you tell us a little bit about the book? Could you explain to our audience what customer expectations are versus what customer satisfaction is? Could you define for our listeners what a promise is? So, that dovetails us nicely into the core of your book is based on the ADORE Process. Could you take our listeners through what that process is and what are the milestones in the journey of that process? Could you also share with our listeners what's the one online resource, tool, website or app that you absolutely can't live without in your business? Could you also share with us maybe one or two books that have had the biggest impact on you, it could be a book that you read recently, or even one that you read a very long time ago, but it still has had a great impact on you. What's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. Where can listeners find you online? Do you have a quote or saying that during times of adversity or challenge, you'll tend to revert to this quote, it kind of helps to get you back on track if for any reason you got derailed or you got off track?   Highlights   Anna's Journey   Anna stated that we are in for a treat. So, probably the best way to describe her journey is that it is non-standard and very nonlinear. She's lived on four continents and done a whole bunch of different things. And probably if you look back across the last sort of two decades of work, the only common thread amongst it all is that she's done interesting things and she's worked with great people, and that really is something that drives her and motivates her to seek out new challenges and look for different things. So, loosely speaking, she's worked in product design and product development, started in IT and so back in technology, work a lot with customer experience, and the drivers that help people to make choices and help brands to sell more stuff to loyal customers.   What is Your Book Digital Brand Romance About?   Me: So, our podcast is all about Navigating the Customer Experience. As you can imagine, when your email came across my attention, and I saw that you wrote this book called Digital Brand Romance: How to Create Lasting Relationships in a Digital World, I said to myself, this sounds very interesting and then I read a little bit more and it really got me intrigued. And so, I'm sure just as how I was intrigued, our listeners will be just as intrigued about your book. So, could you tell us a little bit about the book?   Anna stated that Navigating the Customer Experience just to sort of jump out and big picture, it's her passion, it's what she thinks about at 3:00 am in the mornings. So, lots of mutual interest and overlap and she's excited to share some of the things she's learned in her life with our audience today.   So, Digital Brand Romance, it's the combination of about a life's work so to say, and it looks at the factors that influence us as human beings and propel us to be loyal to a brand or not. And the cool thing about the book is that it breaks all of that down into really easy steps. And she thinks if we look at digital experiences and customer experience, and all of that, and it's all in a digital space, very often we get a little bit scared, and we think, “Oh my God, what do we know about this space?” And we kind of forget that always at the other end of the computer, the person buying your pair of shoes, or the person buying the handbag that you're selling, or the SaaS product that you're selling is a human.   And as humans, we form relationships, and we make decisions in really predictable ways. And so, we remember this when we have relationships with other people in real life but as soon as we go to digital, we just forget everything we learned and we make things very transactional in our digital spaces, and we just hard sell the consumers.   And then we wonder why things are not working and why most of our marketing budget is being spent on Google AdWords and our conversion rates are super low, like 1% or 2%.   So, the book really explores what are the levers that we can pull to help us understand how people make decisions. And then how do we apply that to our digital assets, like websites, like email marketing campaigns, like our sales process, to really build strong relationships and a loyal customer base.   What Customer Expectations Are Versus What Customer Satisfaction Is   Me: Now, one of the things that came across my attention when I was reviewing your book, I like the fact that you spoke about customer expectations, you spoke about customer satisfaction, and you spoke about why they were very different. Could you explain to our audience what customer expectations are versus what customer satisfaction is?   Anna stated that it's an interesting distinction here and when we think about customer experience, this is an interesting study that was done by Forbes a few years ago. So, Forbes interviewed a whole bunch of brands. And they said, “Hey, how would you rate your customer experiences?” And 80% of the brands said, “They're excellent, they're awesome, we're doing a great job, our customers are happy.” They interviewed those brands, customers, and only 8% of people said that they were really satisfied with the customer experience. And so, that's a really big kind of discrepancy there. Most brands think they're providing great experiences, and most customers think they are not getting a great experience.   And so, this is the difference between those two things is customer satisfaction, and satisfaction; it's a very personal and subjective thing, she may satisfied with something, whereas someone listening to this podcast might say, “No, that's terrible, I'm very dissatisfied with exactly the same thing.” And so, understanding customer satisfaction and how we can affect it is really the most powerful lever that we have in curating experiences for our customers.   So, to answer the question succinctly, satisfaction is the difference between what you expect and what you receive, or what you perceive of the experience. So, if you're expecting to wait in line for a meal for half an hour, and you get your table 15 minutes in, you're going to be delighted, you're going to be like, “Wow, this is fantastic. I was expecting to wait half an hour, and we're in early.”   Whereas conversely, if you're expecting to get seated at a restaurant straight away, and they make you wait 15 minutes, you're going to be very, very dissatisfied. And so, the same exact experience is delivered by the provider, you get seated in 15 minutes. But in one case, you're satisfied, and you're delighted, because your expectations were that it could be longer. And then the other case, you really disappointed because your expectations were that it would be shorter.   And so, as a brand, and this is where all your energy can be very effective if focused right is, all you can do is set your customers' expectations at the right level and through that you affect their satisfaction. That might be a bit too textbook nerdy, so she can give some examples if you prefer.   Me: Yeah, I think an example would be good to kind of just cement it for the audience so that they really understand. I got to reading the theory part of it totally and I thought it was a brilliant definition. I just really wanted you to share that, but if you could give us an example, that would be even greater.   Anna shared that there are tons of examples. So, let's say you buy something online. And she bought a bar fridge recently. So, she bought a bar fridge, and it said it will be delivered in two days and so, her expectations are that in two days' time the bar fridge will arrive. And then she got a message saying, “Please schedule your delivery.” And the only dates available were next week. So, 7 days from when she bought it, not two days. So, straightaway, she's like, “Hey, I'm not happy with this, because I was expecting, and you told me that the fridge would be delivered in two days.” So, the only change that needs to happen there is that the brand selling the fridge should just tell her that the fridge won't be available for a week or perhaps even 10 days. And then her expectations are set at the right place, and she's delighted with the outcome.   Me: Yeah, I suppose it's kind of like when we train our employees in organizations, and we'll say that we should under promise and over deliver. And one of the things that I think impacts customer expectations greatly is what we communicate. And sometimes what we communicate - it's not the truth, or I don't know. Sometimes I think organizations communicate information that is incorrect intentionally, like it is their intention to exceed the customers' expectations. So, they give them a reasonable time in their mind but then, when the actual experience is realized, what was communicated and what actually occurred, they're not correlating.   Anna stated that that's an excellent example. And to dig a little bit deeper into that, she thinks setting your customers' expectations that are realistic or perhaps a level under which you know you can over perform is a really good strategy, with a little asterix on that, as long as you're doing that in an authentic way. Because consumers are smart and as soon as your consumer feels that you're trying to deceive them, that opens another can of worms, they're going to run for the hills because no one likes the feeling that they're being lied to.   However, as a brand, you have the ability to authentically communicate and to deliver information and this is something that's super interesting that there was a lot of research done in the 80s by Don Norman, if you know him, he's like one of the godfathers of design and have written amazing books over the years. But what came out of his research was that people are really open to changing their expectations when you provide them with authentic information.   So, coming back to our restaurant example, if she's waiting in line for a table, and she's expecting it will take a couple of minutes, but it's going to be 15. If the restaurant gives her authentic and clear information as to why it will be 15 minutes, and then perhaps a gesture to compensate her for my trouble, that negative experience or what could have been a negative experience actually shifts to being a really positive experience.   So, with the fridge, if someone simply sends an email and says, “We're really sorry, we typically try to deliver things in two days. But you've had public holidays and long weekends in Australia and so that's pushed out delivery times out, and it'll be a week, very sorry.”   That information, when it's communicated authentically has the power to reset her expectations as a consumer. And so, it's not about getting it perfect every time as a brand, you don't have to get it right every time.   It's like parenting; we're often so hard on ourselves when we do something kind of not quite right by our kids. But you can make it right, you can have an authentic conversation and provide the information with clarity and with transparency and that will have a really powerful effect and reset your customers' expectations so they can still have a really good experience, even when it falls short of what they originally expected.   What is a Promise?   Me: Another great insight that I took from reviewing your book was there's a point in the book where you say the only reason anyone buys anything is to make their life better, which I suppose is almost the equivalent of people go into businesses to solve a problem. Most businesses were created with the intention of solving somebody's problem, whatever it is that your business solves. But what really intrigued me further to what you said in terms of making their lives better, is that the challenge to sell more reduces it down to two things showing the buyer that you're going to make their life better and delivering on your promise.   Now, could you define for our listeners what a promise is because I've been through many different customer service trainings in different industries, and I find that people are not clear on what a promise is. And they don't realize that you don't actually have to say the word I promise for the customer to view it as a commitment that you're making to fulfill something that they're requesting.   Anna stated that is such a great question and such an interesting pathway to explore. So, a promise is certainly not a contract. So, without even whether you explicitly and overtly know that you're making a promise to a customer or not, you are even if they don't sign a contract with you.   So for example, things like if you think about someone coming to your website for the very first time, in the first 10 seconds, that site visitor gets a sense of what your brand promise is, and that's made up of a few ingredients, it's made up of the styling on your website, your choice of imagery, your choice of font, your choice of colour, your logo, your hero value proposition tagline, all of those things combined into effectively, very quickly delivering a snapshot of what your brand promise is.   So maybe to correlate this to an example we'll all be familiar with. When you meet someone in person for the very first time, your subconscious mind processes a whole vast range of variables and you make a snap judgement, you go, “Yeah, this person is the kind of person that I would like to have a conversation with and maybe if that goes well, we'll go out for a coffee and maybe we could be friends.” Or “This person is just creepy; I'm going to run the other way. You know what I'm not having that this, a cup of coffee is not in our future.” And so, your subconscious mind is really good at doing that when we meet people in real life. And whether we think about it or not, we do exactly the same thing when we see a brand in a digital space.   And so, the brand promise is really the combination of all of those things and when you start looking for it, you'll notice it. So, when you go to a brand like Porsche, the imagery on the site, the particular choice of fonts and colours and the logo design, all look like a very expensive and exclusive brand. When you go to something like Kia, it's a much more approachable brand and this is all done through very subtle things like fonts and colours and the brand promise.   She works with high growth brands in Australia and out of New Zealand, and where they often will spend a lot of time and it's an easy thing to talk about, and a hard thing to execute on, is refining the value proposition. And so, that value proposition is the explicit articulation of how you're going to make someone's life better. And she finds where brands often get stuck; they get stuck in two ways.   One is that they think about the features of their product and don't recognize that features don't make someone else's life better. No one has a pair of Jimmy Choo heels because they have a high heel stiletto on them, they buy those heels, because of how those heels will make them feel, and how they will be perceived when they own that particular item.   And so, we forget this when we design our websites, and when we design our electronic marketing campaigns, and social media campaigns and so on, and we talk about features instead of what is the feeling? How really do you make someone's life better? She doesn't choose Skype or Zoom because they have a particular telephonic service with some grade of how fast they transmit her voice. She doesn't even know the details. So, she doesn't know what the technical specs for Zoom.   She chooses Zoom because it's easy to use and she can click one button and connect with someone on the other side of the world. And so, Apple is probably an amazing example of at scale when we first stopped talking about features and started talking about how the product makes our life better. And so, to come back to the original question, what is the brand promise that we make? It's all the subconscious things that someone will experience in the first 10 seconds on your website and that's made up of fonts and styling and colours and imagery, and also your value proposition that you articulate in that hero part of your website.   What is the ADORE Process and the Milestones in the Journey of That Process?   Me: So, that dovetails us nicely into the core of your book is based on the ADORE Process. Could you take our listeners through what that process is and what are the milestones in the journey of that process?   Anna stated that the ADORE Process and a few people have asked her what does ADORE stand for. And again, she's like; actually, it stands for nothing. But in technology, everyone needs an acronym and so here we go, we've got an acronym called ADORE.   So, the ADORE Process looks exactly at how we form relationships as humans. So, as soon as she walks you through it, she'll be able to map that to, “Oh, yeah, that's exactly how I form relationships with anyone I meet in real life.” And it translates it into milestones which we can affect and tune in digital, and also milestones where you can measure the performance for your particular brand against each of the milestones.   And the milestones and there is six of them. The very first one is zero seconds. So, zero seconds is simply the opportunity to have a site visitor come to your website. So loosely speaking, it's all of your marketing activities, all of your social media, everything that you do to drive a stranger to your website, the moment that they land on your website, that's zero seconds.   Then that first impression moment is the first 10 seconds that they're on your site and this is where they make a snap judgement, whether you like the fact or not people make snap judgments and they'll decide whether they're going to spend more time exploring your brand and getting to know your brand, or whether they're going to go to the next tab, and your closest competitor is always only ever in the next tab and sort of say, “No thanks, this isn't the brand for me.” So, 10 seconds is that first impression sort of moment, first date, if you like.   And another thing which she often sees when she works with brands is that they want to tell you their entire life story on that first date. You're like, hang on, I'd never do that in real life. But how is it okay in digital, or they'll lead with something like a “Book a call right now,” and ideally one that pops up on the way upside the moment that you land there and you're like, hang on a second. If she was meeting someone for the very first time and they went on a first date, and she said to the person sitting across from her, “Hey, you seem kind of nice. Do you want to move in and have seven kids together?”   So again, in person, we know how to moderate this, we know that relationships take a certain cadence, and we don't violate those things in real life. But we do on a website, we're perfectly happy to put a pop up that says, book a call right now, the minute that she lands on a website she's never been to, like, “Hang on a minute, let me get to know your brand first. And once I know your brand, a little bit better than ask me that question.”   So, zero seconds, the arrival, 10 seconds is your first date, then three minutes, is that moment where someone has taken the time to actually get to know your brand a little bit more. So again, in human terms, it's probably that three to six month mark, where you're like, “Yeah, we've got to know each other a little bit, it feels about right, maybe now we'll have a conversation about moving in together.” But don't do that on the first date. And so, that three minute mark is that moment where someone has explored your brand. At this point, maybe they've looked at your features. At this point, maybe they've looked at, can I make this work for me. And if you've positioned those first few elements on your website in the right order, and in the right way, and you're respecting how someone forms a relationship with your brand, the very natural next step is for them to want to sign up, they'll want to try your product or service, they'll want to perhaps buy the first T shirt that you're selling, they're ready for that next step.   And so, that sign up moment, it's like moving in together, it's a definite sign of commitment. And it's super, super important to take note of that, because your customer is now saying, “I am making an active commitment to your brand.” And so, when you've got that, you know for sure you've got someone who's interested, someone who's spent the time getting to know you, they're a captive audience. The rest is easy, assuming that you've got a really good product or service, which most brands she works with have amazing products and services, and they are just not sure how to develop that relationship with their customers.   And so, to give an example, she had a brand that she was working with, and they literally after the signup process, they were losing 95% of their people. So, they were spending all the money on marketing, all of their branding and their brand promise and the way they told their story was all done super well, they were getting a lot of customers to sign up each month. And then it was like a 95% drop off. And it was like, “Oh my God, what's happening here.” And they changed a couple of really small things. And so, if you look at this part in the book, it will actually give you tangible tips for what to look for when things are going wrong, and what you can change. And this particular brand, they increase their revenue by $50,000 a month by changing a couple of buttons. So, these things do make a difference. And whether consciously or subconsciously, we do respond to digital, and to the formation of relationships with brands and digital, much like we do in real life when it's a human and a human interacting.   But we've got zero seconds, the arrival, we've got 10 seconds, which is your first date, we've got three minutes, which is where you've told your brand story, sign up, which is your first moment of active kind of commitment. And then after that it's easy street, all you then need to do is build into your product the right levers to create an upgrade, to create a repeat buy, to get the customer to pull more money out of their wallet and experience more and more of your product over time and so that's upgrade. And then ultimately where you want to drive your customers to if your growth strategy is based on forming relationships, and that loyal customer base is to get referrals. And referrals are really important because a referral from someone that you trust shortcuts that whole customer journey by about 60%. And so, people will take shortcuts on the getting to know you part and go straight to sign up if the recommendation comes from a trusted party.   So, that's basically the steps and in the book, in the ADORE Process part, which is the middle part of the book, it shows you for each of those steps, how do you measure success? So which of your website metrics do you look at to see whether you're performing well or not performing well. And that's important because when you make a change to your website, or you hire an agency to make some changes, you want to have tangible and objective proof that whatever updates you made are actually creating a positive effect on your conversion rate so that you're getting a good return on the investment that you're putting in to developing those digital assets that you own.   App, Website or Tool that Anna Absolutely Can't Live Without in Her Business   When asked about an online resource that she cannot live without in her business, Anna stated that she was thinking about this the other day, and really, honestly, the thing she can't live without is probably email but that's not going to be much help because everybody uses email. So, something she's gotten into recently is a product called Shortform. And Shortform gives you a summary of some of the best books on the planet and the summaries are just fantastic. So, if you're starting out and you haven't read any books at all, Shortform might not be for you but if you've read a bunch of books, and you've got an interest in business books, or how to grow businesses, and you've read a few things, Shortform is excellent because it fills in the blanks, and really tells you very quickly what the difference between this book is, and other things, which you may have read.   So that's something she enjoys and they're always adding new books into their library there. And so, in like 10 minutes, you can get the gist of someone's amazing new ideas without reading a whole book so it's a little bit of a hack and that's something she's enjoying. Other than that, she listens to podcasts, typically podcasts that are recommended by other people. So again, showing that once we get a good recommendation from someone, we do shortcut that whole decision making process and just go straight to, “Yes, this is the thing for me.” Probably, that email and Shortform would be her indispensable tools at the moment.   Books that Have Had the Biggest Impact on Anna   When asked about books that have had the biggest impact, Anna shared that she's definitely been very impacted by books she read early in her career and these would be the classics, things like Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not by Robert T. Kiyosaki, the idea that things that you buy are either an asset or they're not an asset and the idea that you can actually design your life so that you're not dependent on a paycheck. So, that was super influential for her.   Other than that, Influence: The Psychology of Persuasion, Revised Edition by Robert Cialdini, she thinks if you're an entrepreneur, and you're designing product, and you're selling product, and you have an interest in understanding how do people make decisions and how do I, what levers do I have to influence them to make the decision that I want them to make? This is indispensable. And so, Robert Cialdini wrote the first edition of the book in the early 80s and it's still true today. And it's a fantastic book.   Other than that, Big Magic: Creative Living Beyond Fear by Elizabeth Gilbert is a really, really beautifully written book, and it personifies ideas and it talks about concept that as people, we inhabit these human forms, but ideas are these organisms that float around us, and an idea might come and tap you on the shoulder and if you're not ready for it, it's going to go ahead and find some other human hosts that's going to bring it to life. And so, when an idea pops into your head, it's really up to you to take that idea and nurture it and grow it into something that becomes a business. And if you're not prepared to do that, don't be surprised that someone else halfway across the world seemingly has the same idea and brings it to life. So, she just thought it was a beautifully written and lovely book. Heaps of others, but those are probably her top three picks for the moment.   What Anna is Really Excited About Now!   Anna stated that the biggest thing that's happening for them at the moment is that they're taking Digital Brand Romance and they're converting that into a SaaS product called Rammp. And so, people love reading books, and so on, but what she finds is that most people want a solution that is automated and that they can deploy to their business that will work for them when they're focusing on the other important things in their business.   And so, Rammp does that, it takes the principles that are outlined in the book, those six milestones and it connects to your website statistics and then it will show you each month what are the most impactful and lowest hanging fruit that you can address to improve the relationship with your customers, and thereby increase your conversion rates. So they're bringing that to life. If you look at the website today, it's still a landing page but they should be launching that at the end of June. So, that's definitely a very, very exciting thing that's happening.   The other very exciting thing, which is possibly only exciting to her is that she has finally found another gym that she's excited to go to because she's been in fitness limbo for the last couple of years, just kind of on maintenance and alive, she's really looking for something that's going to be inspiring and she did that this morning. So, she's super stoked about that.   Where Can We Find Anna Online   LinkedIn – Anna Harrison Website – www.rammp.com   Quote or Saying that During Times of Adversity Anna Uses   When asked about a quote or saying that she tend to revert to, Anna stated a 100% and you could see her right now, you'll see that it's written on a card and stuck to her computer and the quote is, “Merely do the work.” Some days you're super motivated and you're excited and everything is going really well, on those days it's easy to do the work.   But some days, whatever, the stars have not lined up and you might feel a bit naa and you're like, “Why am I even doing this, there's so many competitors that are better, etc, etc.” And on those days, just put your head down and do the work, you started the business that you're doing for good reasons, there is no one else in the world who is more passionate and better position to be working on what you're working right now. And on the tough days, just put your head down and merely do the work. Life and business and pretty much everything we do is a marathon, it's just a marathon and you're doing a marathon, it's just put one foot in front of the other and eventually, things brighten up, you got your inspiration back and you finish the race, or the run, or whatever it is that you were working on. So merely do the work.   Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners   Links Digital Brand Romance: How to Create Lasting Relationships in a Digital World by Dr. Anna Harrison Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Influence: The Psychology of Persuasion, Revised Edition by Robert Cialdini Big Magic: Creative Living Beyond Fear by Elizabeth Gilbert   The ABC's of a Fantastic Customer Experience   Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.”   The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!

Most business owners fail at wealth creation because of the ‘iceberg illusion’. Let’s dive into this idea… When we see someone else—a friend, family member, someone on social media—successfully invest in a specific stock, cryptocurrency or property - we get excited. We think they are doing really well… Making a ton of money, driving a nice car, living in a great house, and having perceivably all the freedom that we want. So, we start following them. Thinking that if we just do what they do… we will win too. Seems logical, right? But just think about it for a second… Have you really ever seen below the surface? Or, are they just gloating? Only showing you the wins, without any of the challenges. Have you actually ever SEEN them make money? Have you seen the research and concepts that have gone into the investment? I mean, maybe they just got lucky? Maybe you have tried to follow their investments yourself… Has that worked out for you? I doubt it. And the reason why you hardly saw any success, is because the ‘gurus’ only show you the tip of the iceberg. What they want you to see— their wins, not their losses. What really makes an investor successful is understanding the concepts that sit below the surface. The foundational ideas that allow them to realise a good investment from a bad investment. And what makes it worse… These ‘below the surface’ concepts are completely different for business owners compared to the rest of society… And most gurus don’t understand how it works for business owners. But, what can you do about it? How can you understand the wealth creation concepts that apply to business owners and stand on top of your own iceberg? Just play the episode, as we explain it all in detail. ○ DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision. Episode Highlights:00:00 Introduction01:41 Why most people don't know about these concepts04:14 How Charley discovered these core wealth creation concepts06:59 Concept #1: Inflation09:45 Inflation is personalised13:48 How to make inflation work for you 17:19 Concept #2: Leverage22:26 Concept #3: Time25:54 Concept #4: Tax28:04 How business owners can use tax to their advantage31:49 Concept #5: Team32:47 The professionals comprising Grant and Charley's teams36:15 Leveraging the services of professionals40:58 Surrounding yourself with like-minded business owners42:24 Concept #6: Risk MitigationIf you enjoyed this episode, be sure to subscribe, tune in and share this podcast! Resources: ○ Full Stack Business Owner website https://www.fullstackbusinessowner.com/○ The Debt Millionaire by George Antone https://www.amazon.com/Debt-Millionaire-people-never-wealth-ebook/dp/B01FTY5YSE○ Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194○ The Barefoot Investor: The Only Money Guide You’ll Ever Need by Scott Pape https://www.amazon.com/Barefoot-Investor-Money-Guide-Youll/dp/0730324214 Connect with us:○ Follow us on Facebook: https://www.facebook.com/fullstackbusinessowner/○ Join the Full Stack Business Owner Community: https://www.facebook.com/fullstackbusinessowner/○ Follow us on Instagram: https://www.instagram.com/fullstackbusinessowner/○ Send your enquiries or drop by to say hello: grant@fullstackbusinessowner.comSee omnystudio.com/listener for privacy information.

Most Australian business owners see their business as the only wealth creation strategy they need in order to unlock their desired freedom. Which means that we work our fingers to the bone so we can sell it one day or hope that it can sustain itself for decades to generate money without needing us. But what happens when the business loses a key client? Loses a key employee? Or needs to pivot to stay relevant? We need to dive headfirst back into the business to solve it! So, where do we go to get the security to ensure that our families will be looked after in the future, irrespective of the risk in our business? To add to the pain, most business books focus on teaching about wealth creation that is geared towards the general population (eg, employees). Which sadly doesn’t help business owners, like us, as much because we are different. Well, it’s time for this to change. It’s time for you to discover the missing piece in the puzzle. For the first episode of Full Stack Business Owner, let us introduce how this podcast will help bridge the knowledge gap for Australian business owners in creating wealth. We walk you through what Full Stack Business Owner is all about and the value every business owner can get from it to achieve the wealth that they want. The rules are different when making money as a business owner. And we're here to share how we played the game wisely. Let's jump into the show! ○ DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision. Episode Highlights:00:00 Introduction 01:44 Why are we doing this podcast? 02:36 Reasons why business owners don’t find success in wealth creation 04:22 The main objective of the podcast05:18 Charley’s and Grant’s trial and error experiences in investing 08:06 Who is the podcast really built for? 10:05 Why business owners need to pivot something outside business 12:51 Making money as a business owner vs. as an employee14:30 Business owners lack education about building wealth 16:40 How wealth creation opportunities are different for business owners 17:31 The earlier you start creating wealth, the easier it is19:20 Charley’s and Grant’s journeys as Australian entrepreneurs28:33 Growing wealth is a skill you can develop If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! Resources:○ Full Stack Business Owner website https://www.fullstackbusinessowner.com/○ Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194 Connect with us:○ Follow us on Facebook: https://www.facebook.com/fullstackbusinessowner/○ Join the Full Stack Business Owner Community: https://www.facebook.com/fullstackbusinessowner/○ Follow us on Instagram: https://www.instagram.com/fullstackbusinessowner/○ Send your enquiries or drop by to say hello: grant@fullstackbusinessowner.comSee omnystudio.com/listener for privacy information.

My guest today is one of the most trusted voices in the Amazon Space. Danny McMilan. Danny is host of Seller Sessions podcast, which to be honest is one of my favourites. They interview best in the industry and bring unbiased Amazon news. Danny and his team recorded over 700 episodes, which blows my mind. One of my favourite episodes was recently when Danny spoke to Amazon rep and shared some findings how our Seller Central tickets are processed., I will leave a link down below. Today we are going to talk about Danny's entrepreneurial journey, as well as discuss the Amazon A9 algorithm and how to rank products in late 2021. Links from the episode:  Seller Sessions Podcast - https://podcasts.apple.com/us/podcast/seller-sessions Jungle Scout - https://www.junglescout.com Databrill - https://www.databrill.com The Joy of Ranking Products by Daria Sorokina - https://www.youtube.com/watch?v=NLrhmn-EZ88 Amazon Science - https://www.amazon.science Granularity Guru - http://granularityguru.com   Podcast Danny Recommend: Jocko Podcast by Jocko Willink - https://jockopodcast.com The Joe Rogan Experience by Joe Rogan - https://open.spotify.com/thejoeroganexperience   Books Danny Recommend: “Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not” by Robert T. Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Dad?tag=10mj-20 “The Power Paradox: How We Gain and Lose Influence” by Dacher Keltner - https://www.amazon.com/The-Power-Paradox?tag=10mj-20 “The 48 Laws of Power” by Robert Greene - https://www.amazon.com/48-Laws-Of-Power?tag=10mj-20   Connect with Danny: LinkedIn: https://www.linkedin.com/in/dannymac Facebook: https://www.facebook.com/danny.mcmillan Instagram: https://www.instagram.com/dannymac Twitter: https://twitter.com/dannymac Podcast: https://podcasts.google.com/feed/ YouTube: https://www.youtube.com/SellerSessions/videos Company Websites:  Seller Sessions - https://sellersessions.com/ DATAbrill - https://www.databrill.com/   Want to sit down with Anatoly 1 on 1 ? Even though I keep saying I AM NOT A GURU, many of you ask to sit down and pick my brain. I have decided to do a 1h HELP calls. There are 2 purposes: 1st to support you in your journey and second also to be able to break even on the production of this podcast (each episode editing, marketing, guest research etc takes about $60 - $150 to produce). Now you can schedule 1h with me, and we can talk about launching products, hiring, product research, keywords, mindset, how I did an Ironman or anything at all. Link is here - https://calendly.com/anatolyspektor/anatoly-connsulting-1h    ANATOLY's TOOLS:   Product Development: Helim10 - I use it for  Product Research, Keyword tracking and Listing Optimization .  SPECIAL DEAL: Get 50% your first month or 10% every month: http://bit.ly/CORNERSIIH10  Pickfu - I use it for split testing all of my products and for validation ideas .  SPECIAL DEAL: First split test 50% 0ff  https://www.pickfu.com/10mj   Trademarking: Trademark Angels - For all my trademarking needs.  SPECIAL: Mention Anatoly and 10MJ podcast and get 10% Off your trademark.   HR: Fiverr -  I hire my 3dMockup person and images label designer here on Fiverr - http://bit.ly/10mjFIVERR Upwork - I hire people long term on Upwork - upwork.com  Loom.com - for creating SOP's, I record everything on Loom and give to my VA's Keepa.com - to track historical data such as prices   ANATOLY's  3 Favorite  Business Books: DotCom Secrets by Russel Brunson - I think this is a must read for every online entrepreneurs - http://bit.ly/10MJDotCom 4 hours work week by Tim Ferriss  - This book changed my life and made my become an entrepreneur - http://bit.ly/10MJ4WW The Greatest Salesman In The World  by Og Mandino - Old book but it goes to the core of selling -  http://bit.ly/10MJGREATSM    DISCLAIMER: Some Links are affiliate, it costs you nothing, but helps to keep this podcast on the float   Have questions? Go to https://www.10millionjourney.com Follow us on Instagram: @10miljourney

This is another Bali special episode, but before you zone off, this one is eCommerce and Amazon related, so stay on the line. My guest today is Daniel Fernandez. Daniel is the CEO and Founder of AMZ Clever. His team helps sellers grow their sales on Amazon. His secret is simply the large number of hours he has spent looking at Amazon sales and ads data for his clients which is why now he knows what works and what doesn't work. His services include Amazon Marketplace Management, PPC Advertising Management, and AMS Advertising Management. Daniel is also very well-traveled. So today we are going to talk about Amazon, about Daniels' journey, and about travels.   Links from the episode: Apple Inc. - https://www.apple.com/ Tai Lopez - https://www.tailopez.com/ “Life On Fire” Masterminds by Nick Unsworth - https://lifeonfire.com/   Books Daniel Recommend: “Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!” by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor?tag=10mj-20 “Start with Why: How Great Leaders Inspire Everyone to Take Action” by Simon Sinek - https://www.amazon.com/Start-With-Why?tag=10mj-20 “Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time” by Brian Tracy  - https://www.amazon.com/Eat-That-Frog?tag=10mj-20 “Managing Oneself: The Key to Success” by Peter Drucker - https://www.amazon.com/Managing-Oneself?tag=10mj-20 “The Lean Startup: How Today's Entrepreneurs Use Continuous Innovation to Create Radically Successful Businesses” by Eric Ries - https://www.amazon.com/Lean-Startup?tag=10mj-20 “Work The System” by Sam Carpenter - https://www.amazon.com/Work-The-System?tag=10mj-20 “No B.S. Marketing to the Affluent: No Holds Barred, Take No Prisoners, Guide to Getting Really Rich”, by Dan Kennedy - https://www.amazon.com/No-BS-Marketing-?tag=10mj-20   Connect with Daniel: LinkedIn: https://www.linkedin.com/in/danielfernandezamazon/ Email Address: daniel@amzclever.com Facebook: https://www.facebook.com/danielfernandez888 Company Website and Social Media: AMZ Clever - https://www.amzclever.com/ LinkedIn - https://www.linkedin.com/company/amzclever/   Want to sit down with Anatoly 1 on 1 ? Even though I keep saying I AM NOT A GURU, many of you ask to sit down and pick my brain. I have decided to do a 1h HELP calls. There are 2 purposes: 1st to support you in your journey and second also to be able to break even on the production of this podcast (each episode editing, marketing, guest research etc takes about $60 - $150 to produce). Now you can schedule 1h with me, and we can talk about launching products, hiring, product research, keywords, mindset, how I did an Ironman or anything at all. Link is here - https://calendly.com/anatolyspektor/anatoly-connsulting-1h    ANATOLY's TOOLS:   Product Development: Helim10 - I use it for  Product Research, Keyword tracking and Listing Optimization .  SPECIAL DEAL: Get 50% your first month or 10% every month: http://bit.ly/CORNERSIIH10  Pickfu - I use it for split testing all of my products and for validation ideas .  SPECIAL DEAL: First split test 50% 0ff  https://www.pickfu.com/10mj Trademarking: Trademark Angels - For all my trademarking needs.  SPECIAL: Mention Anatoly and 10MJ podcast and get 10% Off your trademark.   HR: Fiverr -  I hire my 3dMockup person and images label designer here on Fiverr - http://bit.ly/10mjFIVERR Upwork - I hire people long term on Upwork - upwork.com  Loom.com - for creating SOP's, I record everything on Loom and give to my VA's Keepa.com - to track historical data such as prices   ANATOLY's  3 Favorite  Business Books: DotCom Secrets by Russel Brunson - I think this is a must read for every online entrepreneurs - http://bit.ly/10MJDotCom 4 hours work week by Tim Ferriss  - This book changed my life and made my become an entrepreneur - http://bit.ly/10MJ4WW The Greatest Salesman In The World  by Og Mandino - Old book but it goes to the core of selling -  http://bit.ly/10MJGREATSM    DISCLAIMER: Some Links are affiliate, it costs you nothing, but helps to keep this podcast on the float   Have questions? Go to https://www.10millionjourney.com Follow us on Instagram: @10millionjourney

We LOVE a good debt-free story, and that's no big secret here at His and Her Money. Having gone down the road of debt payoff ourselves, using this platform to spread awareness and get our listeners motivated to set out towards financial freedom is important to us.  So many of you guys are out here killing the game when it comes to fighting back against debt, and we love to hear it -- and we know you do too! So, today on the His and Her Money Show, we're bringing you, yes, another debt freedom story! This time RJ and Anjie from Rich By Intention stopped by to chat with us about how they paid off their $130,000 debt.  Furthermore, they discuss what they're doing in the financial community to help educate and motivate others to make the same moves!   What You Will Learn How and why RJ and Anjie decided it was time to pay off their debt. Starting the money conversation with your partner, and why it's best sooner rather than later. Increasing your income while paying off your debt. The importance of mindset while on the road to financial freedom. How to tackle debt as a united front with your partner, and stay on the same page financially.   Resources Mentioned richbyintention.com Rich By Intention Podcast Audible Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley and William D. Danko Debt Freedom Blueprint M1Finance 

David Richter is a fractional CFO helping people in the real estate industry to understand the numbers, growth, profit and cash flow in order to effectively scale their businesses. David's book "Profit First for Real Estate Investors" is coming out soon and it is based on the Profit First concept by Mike Michalowicz. In this episode David explains how to apply the Profit First concept to the specifics of real estate investing. He also gives us one key takeaway to help you build a more profitable business than it is today. What We Cover: - The burning need for entrepreneurs to get more clarity on the numbers in their business - What is Profit First for Real Estate Investors - The three types of accounts every real estate investor should have - How to apply Profit First when you want to scale your business - What investors should do with excess cash they generate - The difference between creating wealth and keeping wealth - How your real estate investing business can become your asset Resources: - Profit First for Real Estate Investors https://profitfirstrei.com/ - Simple CFO Solutions https://simplecfosolutions.com/ - "Profit First: Transform Your Business from a Cash-Eating Monster to Money-Making Machine" by Mike Michalowitz https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making-ebook/dp/B01HCGYTH4 - "Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class do not" by Robert Kiyosaki https://www.amazon.com/Rich-Dad-Poor-Teach-Middle-ebook/dp/B07C7M8SX9/ - "Exit Rich: The 6 P Method to Sell Your Business for Huge Profit" by Michelle Seiler Tucker https://www.amazon.com/Exit-Rich-Method-Business-Profit-ebook/dp/B08PCK7PMK/  - "Secrets of Sand Hill Road: Venture Capital - And How to Get it" by Scott Kupor https://www.amazon.com/Secrets-Sand-Hill-Road-Capital-ebook/dp/B07KLJQ13R/ Interested in becoming a real estate investor? Sign up of Brad Smotherman's apprenticeship group at support@bradsmotherman.com

In Episode 43, Diego Bocanegra, Head Coach of University of Houston Women's Soccer, talks with Phil about how his childhood shaped his love for soccer, specialization, how we can give youth sports back to the kids, the state of soccer in America, what elite players have in common, his personal “Why,” his new podcast, and what he has learned from the beautiful game that he uses in other areas of life. Specifically, Diego discusses: How he developed his passion for soccer, other sports, and leadership, and how he got to be where he is today (2:06) How his childhood experiences and his parents have shaped him and taught him lessons that help him in his coaching (6:09) His thoughts on specialization, and if and when kids should specialize in one sport (10:17) How he believes club and youth soccer are being taken away from the kids and what we can do about it (16:26) The state of soccer in America and how we need to make it more about the players' flourishing (22:47) The common threads among elite athletes (34:43) His personal “Why” and life mission, and how it informs his leadership (42:03) The why and what of his new podcast, “Boca” (46:33) Clubhouse and how we can engage the new platform to help us and others flourish (52:35) How Diego used the lessons learned playing and coaching soccer in his stint in the financial planning and insurance world, and vice-versa (58:31) What he wants his players to know when they leave his program (1:04:19) What he has learned directly from soccer that he has used in his life and leadership outside the game (1:06:32) His book and podcast recommendations (1:09:40) Resources and Links from this Episode Diego's “Boca” Podcast Uncut Video of the Episode HSEL Facebook Group Phil and HSEL on Clubhouse -- @phildarke Changing the Game: The Parent's Guide to Raising Happy, High Performing Athletes, and Giving Youth Sports Back to our Kids, by John O'Sullivan Mindset: The New Psychology of Success, by Carol Dweck Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, by Robert T. Kiyosaki The Millionaire Next Door: The Surprising Secrets of America's Rich, by Thomas J. Stanley, Ph.D, and William D. Danko, Ph.D Drive: The Surprising Truth About What Motivates Us, by Daniel Pink Grit: The Power of Passion and Perseverance, by Angela Duckworth Toughness: Developing True Strength On and Off the Court, by Jay Bilas Black Box Thinking: Why Most People Don't Learn From Their Mistakes, But Some Do, by Matthew Syed Blink: The Power of Thinking Without Thinking, by Malcolm Gladwell  

Jake Harris is a commercial real estate investor who specializes in buying and renovating distressed commercial properties. In this episode, Jake's shares his story about becoming a millionaire by age of 30 through house flipping, going bankrupt due to the ‘08-'09 recession, then building back up even stronger. Jake is the author of “Catching Knives: a guide to buying distressed commercial real estate”. The book is packed with best practices and is literally a “how to guide” for buying great assets at a discount. In this episode Jake dives into why he wrote the book and how it fits into the bigger ecosystem he is building to help educate other investors while growing his own business. To learn more about the concepts discussed podcast go to https://www.brianbeers.com and sign up for Brian's free weekly newsletter delivering content directly to your inbox Connect with Brian you can follow him on Instagram and facebook, connect on LinkedIn or email brian@beerspodcast.comLinks:https://Catchknives.com  Scribe Mediahttps://scribemedia.com/ Book Links: Catching Knives: A Guide to Investing in Distressed Commercial Real EstateRich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!Who, Not, How: The Formula to Achieve Bigger Goals Through Accelerating TeamworkPowerhouse Principles: The Ultimate Blueprint for Real Estate Success in an Ever-Changing MarketBuy Then Build: How Acquisition Entrepreneurs Outsmart the Startup GameProfit First: Transform Your Business from a Cash-Eating Monster to a Money-Making MachineFix This Next: Make the Vital Change That Will Level Up Your Business Never Lose a Customer Again: Turn Any Sale into Lifelong Loyalty in 100 Days

From aspiring athlete to chameleon, listen in as Allyson and Julietta interview Maria Medina, a multitalented goddess. Originally from Colombia, Maria has lived in Egypt, Spain, the UK and South Florida. Maria trained to play professional soccer from the age of 5, but after a career ending soccer injury in 2006, Maria had to reevaluate her life. Inspired by her father's business success, Maria pursued a career in Business Management and Marketing. Reaching the peak of her corporate career with a private University in London at the age of 24, Maria and her wife decided to fulfill their lifetime dreams of moving to Florida by purchasing a local Minuteman Press in 2014.Most influential book: The Accounting Game: Basic Accounting Fresh from the Lemonade Stand by Darrell Mullis and Judith OrloffWebsite: https://www.ftlauderdale.minutemanpress.com FaceBook: https://www.facebook.com/maw1489 Instagram: https://www.instagram.com/mariamedinafl/ Mentioned in the show: Wisdom from Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money--That the Poor and the Middle Class Do Not! by Robert Kiyosaki and Sharon Lechter; Charmed - https://www.imdb.com/title/tt0158552/ ; and Buffy the Vampire Slayer - https://www.imdb.com/title/tt0118276/ ; Personal Planners by https://www.erincondren.com Subscribe To The Voices of The Goddess Channel HERE:https://www.youtube.com/channel/UCUoaguKw8KZtMtig1hSOJSAFollow The Voices of The Goddess:Facebook: https://www.facebook.com/Voices-of-the-Goddess-356165865475415Instagram: https://www.instagram.com/voicesofthegoddess/Voices of The Goddess with Julietta the Magical PT and Allyson a Holistic Nutritionist,  is a show that  supports modern day goddesses in developing their super powers and acquiring the tools they need to achieve all their desires. Allyson Mancini is a Holistic Nutritionist. Facebook: https://www.facebook.com/groups/healthylifestyleinandoutInstagram: https://www.instagram.com/allysonkmancini/?hl=enJulietta Wenzel is a Physical Therapist.  https://bodyandsoul-pt.com/   http://julietta.love/ https://soulcandycrystals.com/ https://www.facebook.com/TheMagicalPThttps://www.facebook.com/soulcandybyjuliettahttps://www.facebook.com/Juliettalove-108449684234840https://www.instagram.com/themagicalpt/https://www.instagram.com/soul_candy_/https://www.instagram.com/juliettadotlove/

In this episode of the podcast, I had on Adrien Salomon, a high flying wizard when it comes to personal finance. This guy is a wealth of knowledge who has been down the road of bad debt, and has turned his financial perspective around 180 degrees. This was definitely one of my favorite conversations on the podcast, I hope you filthy animals enjoy! DontBeBrokeBeWoke Instagram: https://www.instagram.com/dontbebrokebewoke/ 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Jashan Mundi - https://www.instagram.com/jashanmundi/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, I had InvestingVenue! A great conversation with a very knowledgeable investor who runs an Instagram page worth following! InvestingVenue Instagram - https://www.instagram.com/investingvenue/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, I had Frank Scappaticci from Gray Line Investments. Frank and his partner John were real estate investors who had experienced buying and flipping homes. They were able to pursue their passion for real estate full-time by investing virtually from their homes in the East Cost. Fast forward to today, they are actively trying to grow their market share and expand Gray Line Investments. Tune into this conversation for a detailed look on how Frank and John were able to scale their business virtually. Gray Line Investments Virtual Real Estate Investing: https://www.vrei.co/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

Thanks for tuning into this episode of the podcast where I have on The_Intelligent.Investor. He runs a very successful investing Instagram page with over 135k followers. We discuss the current state of the markets, his strategy and take on investing, the pitfalls new investors make, and current trends he is capitalizing on. The_Intelligent.Investor Instagram - https://www.instagram.com/the_intelligent.investor/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

What's going on you filthy animals, this episode of the podcast I brought on Insta.vesting, who runs a SUPER informative instagram page. He has professional experience in the world of Private Equity and has over 15 years of trading and investing experience. In addition, he has his MBA and CFA Charter. I hope you guys enjoy this episode as much as I had making it! Insta.vesting Instagram - https://www.instagram.com/insta.vesting/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, I have a conversation with Devin Moss. Devin Moss is a journalist and international relations scholar. His writing focuses on diplomacy, international sports governance, Cybersecurity, and sports betting legislation. You can stay up to date with his work by following him on LinkedIn (Devin Moss). 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

What's going on you filthy animals, this podcast I brought on Debt Free Joel. He has a wealth of knowledge in personal finance and investing, and has the CFA, CIPM, and MBA to his name. Tune into this podcast for a great conversation on personal responsibility and investing responsibly. Debt Free Joel Instagram: https://www.instagram.com/debtfreejoel/ DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

What's going on you filthy animals! Welcome back to another episode of the podcast where I have on Michael Harris. We talk markets and more specifically, expectations for 2021. I hope you guys enjoy this one! Michael Harris, Private Wealth Advisor at IronOak Wealth: IronOak Wealth LLC is a family wealth advisory office, focused on providing financial planning and investment solutions to privately held business owners, corporate executives, and individuals. We offer customized financial solutions. Email : mharris@ironoakwealth.com Website: ironoakwealth.com DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

What's going on you filthy animals! Thanks for coming back and tuning into another episode of the podcast. I invited Justin Brown on the podcast, someone who is all about mortgages, personal finance, and real estate investing. With over 20 years in the mortgage industry, this man knows his stuff, and I am so blessed to have him on the podcast. Give this one a listen, and make sure to check out his channel, details below. Justin Brown Instagram (@loansbyjb)- https://www.instagram.com/loansbyjb/ Justin Brown Website - https://beacons.page/loansbyjb 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

This episode of the WallStJunky podcast I was the student, and I learned a lot. I had Jeff and Kelly, bloggers and influencers who are huge advocates of the FIRE program (Financial Independent Retire Early), and take advantage of the credit cards to fuel their love of traveling. Take out your notepads, grab a pen, and get ready for a great episode. FireRoundTheWorld Instagram - https://www.instagram.com/fireroundtheworld/ FireRoundTheWorld Links - https://linktr.ee/fireroundtheworld 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

“So one thing I would invest in, and this is a tip that I would give to any entrepreneur, especially if you have multiple things going on: Get an assistant.” -Dr. Saira Ahmed   Tune in to today’s episode on real estate investing with Dr. Saira Ahmed. Jen sits down with Dr. Ahmed to discuss how she got started in real estate investing, how she purchased her first properties, what tips and tricks she has learned along the way and how she plans to keep growing her real estate portfolio. If you’ve been interested in getting started in real estate investing, this is the episode for you!    Dr. Ahmed manages a busy practice, Mediversity, she also has a real estate business, a school that trains people to become phlebotomists, Premier Health Academy, an e-commerce business selling scrubs and other medical accessories, A Plus Medical Scrubs, and she and her husband run a non-profit organization through which they do multiple community service projects throughout the year.    Dr. Ahmed went to New York Institute of Technology for her undergraduate degree. Attended Ross University School of Medicine for Medical School and did her residency at Seton Hall University Internal Medicine Residency Program. Her current affiliations are Jefferson Health System and Salem Memorial Medical Center. You can find her on instagram.   Useful links to things mentioned in the show: Bigger Pockets, real estate investing community and advice. Book, Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!   Excerpts from the show:   “So tell me about how you got into the real estate niche and about your experiences.” -Dr. Jen Barna   “Sure, so I kind of already knew about real estate because my parents owned real estate. They owned rentals. Just seeing my parents, well, just to give you some background, my father passed away around five years ago but before that, ten years ago he was actually diagnosed with head and neck cancer and he had to retire immediately, and my mom was a beautician who used to work in a beauty salon and she had to quit her job to take care of my dad. So they found themselves without jobs kind of instantly when all this went down and I think the only thing that saved them was their real estate and that was a real life example that I saw in my life. They were able to do what they needed to do and live, and not have to worry financially because of the real estate they owned.” -Dr. Saira Ahmed “We basically just started small. At the time we lived in a townhouse. I said, ‘Well the first thing is, let's pay this townhouse off and let's rent it out, (then) let's buy a house and let's rent it out.’ So that was the first thing we did. Then once we got into our house we started to look for deals. I just did it on my own. Honestly, just going through Zillow and Auction.com, finding auctions in my town, just locally anything that was on foreclosure. Just evaluating the deals myself and discussing it with my husband and that's basically how we got started. So just one after the other.” -Dr. Saira Ahmed “Real estate is the one investment that is solid. Honestly, it's a long-term thing. In a way all these other businesses that we started were kind of started to help support our real estate so that we could invest more eventually. And I think that the goal is to continue building the portfolio. I mean, no projects are perfect. We bought a project and there was something wrong that we didn't realize was wrong before we bought it, and it turns out our budget needed to be bigger to fix that issue. But I think, so far, every project has paid us back.” -Dr Saira Ahmed Get One-on-One Coaching with Coach Gabriella Dennery MD   Get One-on-One Coaching with Master-Certified Coach Jill Farmer DocWorking believes the time has come to prioritize the health and wellness of physicians. Professional coaching is transformational. Elite athletes, award-winning actors and top-performing executives all know this, which is why they embrace coaching to achieve such extraordinary success. Leading corporations also know this, which is why they encourage coaching for employees at every level. Smart leaders leverage the power of coaching to achieve outcomes that are meaningful, measurable, and attainable. Our Coaches Will Show You How!   We have exciting news! Our live course, STAT: Quick Wins to Get Your Life Back is coming soon! Life is too short to be stretched so thin. Do you want more time to focus on what matters most to you? Our power packed plan fits easily into your busy day! Coaches Gabriella and Jill have taken all their best strategies from coaching hundreds of physicians over multiple years and folded them into one efficient course. You can easily practice these bite-sized strategies on your timeline: anytime, anywhere. Are you ready to invest in yourself, reclaim your time and minimize stress? Click here!    To learn more about DocWorking, visit us here!   Are you a physician who would like to tell your story? Please email Amanda, our producer at Amanda@docworking.com to apply.   And if you like our podcast and would like to subscribe and leave us a 5 star review, we would be extremely grateful!   We’re everywhere you like to get your podcasts! Apple iTunes, Spotify, iHeart Radio, Google, Pandora, PlayerFM, ListenNotes, Amazon, YouTube, Podbean   Occasionally, we discuss financial and legal topics. We are not financial or legal professionals. Please consult a licensed professional for financial or legal advice regarding your specific situation.   Podcast produced by: Amanda Taran

In this episode of the podcast, I am joined by one of the founders of the popular investing page, The Pleb Investor (@theplebinvestor). The Pleb Investor is currently run by two 24 year old investors who are on a mission to motivate millennials to start taking advantage of returns in the market. We discuss the current state of the equity markets as well as the crypto markets, and break down one of the founder's portfolio strategy and investigate how it has evolved over time. This was a fun one guys! The Pleb Investor Instagram- https://www.instagram.com/theplebinvestor/ The Pleb Investor Website - https://wondrous-writer-9642.ck.page/bc9e95dbed 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

On this episode of the podcast, I went live with ProfitAndPoints on Instagram and decided to clip a podcast out of it. This man is a BAD DUDE in the credit card hacking space and has a ton of helpful tips and tricks to offer in this episode. More importantly, he is a crazy dude to talk to and crack a brewski with. Hope you guys enjoy this one! ProfitsAndPoints Instagram - https://www.instagram.com/profitsandpoints/ 80,000 Bonus Point Credit Card Signup - https://www.referyourchasecard.com/6a/YTGXVZ2PUB Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode, Jacob Brown and I discuss horror stories on Wall Street Journal where individuals are making TERRIBLE financial decisions. Can you say debt, debt, and more debt!? We also dive into the Coinbase fiasco and the IPO mayhem that was last week. Articles: https://www.wsj.com/articles/a-bargain-with-the-devilbill-comes-due-for-overextended-airbnb-hosts-11588083336?fbclid=IwAR2WpH0eMK36j74V1BqjQTuQvW7UK9T4X8O8C4BBk4fbSJEJiGt6j5ECCM4 https://www.wsj.com/articles/covid-unemployment-debt-middle-class-family-finances-11600122791?fbclid=IwAR3HueN5nsJpc8ga8vvmKoXSvNBW0Rl99p-ia22SwWZ1DKUsEB9R-IIjQyY Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Jacob and I talk about life, we talk about the crazy real estate market, and his opinions on the housing market as a first-time home buyer. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Jacob and I dive into the popular dividend investing strategy to better help the community understand what it means to be a "dividend aristocrat". Tune in and find out the benefits of adding dividends to your portfolio! 5 Reasons Why Dividends Matter: https://www.investopedia.com/articles/investing/091015/5-reasons-why-dividends-matter-investors.asp Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, I have a conversation with the founder of SnapWealth. At just 19 years old, Rohan is an impressive young lad. Currently studying economics at Vanderbilt, Rohan founded SnapWealth when he was just 14 years old and started investing when he was 16. Rohan is responsible for putting out timely content centered around financial markets and has a knack for creating content that is easy to digest for the common investor. Hope you guys enjoy this one! Rohan Shah LinkedIn: https://www.linkedin.com/in/rohan-shah-0abbb81b3/ SnapWealth Instagram: https://www.instagram.com/snapwealth/ Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

The streaming, memeing, high speed, dream teaming, dynamic duo; is back at it again. This time, speaking with Ryan Gee, who is currently employed as a Loan Officer in California. Ryan and the duo attempt to answer all your burning questions when it comes to buying your first home. Is now the right time given the recent home values? What programs can I utilize to get a better deal on my mortgage? How can I consolidate debt using mortgage products? We hope you guys enjoy this episode, and if any of your questions were unanswered, send them my way and we will have Ryan back on the podcast! DISCLAIMER: The content discussed on WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. Please do not sue us! Ryan Gee - Loan Officer at Paramount Residential Mortgage Group Inc. (PRMG Inc.), License CA-DFPI2047174 Ryan's Email : RGee@prmg.net Website: https://santarosa492.prmgapp.com/RyanGee.html Ryan's Privacy Policy: https://www.prmg.net/privacy-policy/ Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky --- Support this podcast: https://anchor.fm/wallstjunky/support

The dynamic duo is back again, and this time, answering your questions live from Instagram. We will feature these episodes at least once every 2 weeks, but down the road, depending on the popularity, will amp this up! Hope you guys enjoy! DISCLAIMER: The information on the WallStJunky podcast is not financial advice, but rather financial education and information provided to make you a better investor. WallStJunky Website: www.wallstjunky.com Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

What's going on my money crazy lunatics! I had the privilege and honor of collaborating with the Money Under The Mattress Podcast, hosted by Mitchell Jensen and Jake McAdam. They are self-proclaimed value investors who are currently studying for their degrees in Canada. We discuss Cathy Woods, Value Investing, Sectors, REITs, and so much more! Hope you guys enjoy :) Money Under the Mattress Podcast : https://open.spotify.com/show/07WNlZzX5kpqzpiF72PSLD?si=_15BK_owSaOIvCbH9wbGIQ Money Under the Mattress Instagram : https://www.instagram.com/moneyunderthemattress.podcast/ DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. WallStJunky Website: www.wallstjunky.com Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

I hope this episode finds all my money-crazed lunatics well. On this episode of the podcast, I invite someone I knew growing up and in high school, Tyler Tibbles. This man is a hustling fiend if you are looking for someone with energy and passion, emulate this man. We talk sales, marketing, property management, and real estate. More importantly, we get into some of the sales strategies in identifying distressed properties as well as how to get involved in real estate even with a tight budget. Tyler Tibbles - Real Estate Investor, And leasing professional (707) 834-2248 Tibbspropertysolutions@gmail.com Tibblespropertysolutions.com DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. WallStJunky Website: www.wallstjunky.com Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky --- Support this podcast: https://anchor.fm/wallstjunky/support

The streaming, memeing, high speed, dream teaming, dynamic duo; is back at it again. To start, Brandon seamlessly delivers a monologue over the dangers of meme stock investing. We also discuss some of the books we recently read and quotes that resonate with us. Hope you guys enjoy this one and make sure to subscribe and share with your friends & family. DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. WallStJunky Website: www.wallstjunky.com Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Another hedge fund caught with their hand in the cookie jar. In this episode, I cover trading on margin and the impact it has on retail investors and in this particular example, Archegos Capital Management. Margin can be a useful tool if used properly, but time and time again most investors make it clear that they can't handle the heat. INVEST IN MARGIN at your own risk! DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://join.robinhood.com/qingyuc8 Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

The streaming, memeing, high speed, dream teaming, dynamic duo; is back at it again. This time, speaking with Technical Director at WallStJunky, Ben Chan. We answer all the questions that new investors SHOULD ask. Here it is, from the WallStJunky oven straight to your doorstep. Come listen to the burning questions I am sure you guys answered by your groovy hosts, Joshua Lutkemuller, CFA and Brandon Young. From what platform to use, to how much money to start with?! In this 25th episode, we attempt to answer it all! DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from the Robinhood Program: https://join.robinhood.com/qingyuc8 Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Is the marketing crash coming?! Is investing risky?! Should I go 100% into bonds?! In this episode of the podcast, Joshua Lutkemuller, CFA breaks down the risk of investing in an easy to digest way, separating risk into 2 buckets, compensated risk and uncompensated. Simply put, why would you knowingly invest in something with uncompensated risk?! The market is going up, down and sideways, but I hope this episode will level your mind and keep the panic at a minimum. Did you know well over half of a population of 61,000 common stocks lead to negative wealth creation from 1990 to 2019? The article below does a great job in understand the risks of the global equity market and how to protect yourself from the startling fact that most companies will underperform in the long-run. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3415739 Article above was written by Hendrik Bessembinder, Te-Feng Chen, Goeun Choi, and K.C. John Wei. DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. Check out the WallStJunky Website: www.wallstjunky.com Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky --- Support this podcast: https://anchor.fm/wallstjunky/support

Is the economy heating up to fast?! Yields are on the rise again this morning on St. Patrick's Day, what can we expect going forward? The Fed meeting is set for 2PM EST, tune in to get an inside look on some things to consider and how to position your portfolio on the wake of this big event! Free Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, 26 year old co-host of WallStJunky, Joshua Lutkemuller, CFA, breaks down his $270k public account for the community. In this episode, the focus is to educate the community on his strategy in developing a sound portfolio and one that can perform well over the long term, while maintaining a focus on consistency and quality. DISCLAIMER: WallStJunky is not financial advice, but rather financial education and information provided to make you a better investor. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Wait what?! I have to pay taxes on my portfolio gains from 2020?! Are there ways to reduce my tax bill? What accounts should I prioritize my investments? This episode of the podcast Joshua Lutkemuller, CFA and Brandon Young have Michael Harris of IronOak Wealth to discuss the effects of taxes on your portfolio. Tune in and find out on this episode of WallStJunky! Michael Harris, Private Wealth Advisor at IronOak Wealth: IronOak Wealth LLC is a family wealth advisory office, focused on providing financial planning and investment solutions to privately held business owners, corporate executives, and individuals. We offer customized financial solutions. Email : mharris@ironoakwealth.com Website: ironoakwealth.com DISCLAIMER: WallStJunky and its content is not tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ --- Support this podcast: https://anchor.fm/wallstjunky/support

We've all heard the “simple” concept of buy low, sell high. What if I told you that most investors do the opposite!? Volatility has been a word commonly used to describe the market recently, but this episode will give you the knowledge to make subtle differences in the way you invest. Jacob and I dive into what we see as the “Winning” strategy and how investors alike, can implement this approach. Tune in and find out on this episode of WallStJunky! Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Value Traps and Growth Traps! Volatility in action and all-time highs for the DOW. The Subtle differences of this game stop craze and the last one! Is the bond market ever going to settle? Crack rock investing? Tune in and find out on this week's episode of WallStJunky! Brandon and I love doing live sessions to interact with our community. Let's grow this together, make sure you are subscribed to receive notifications when new episodes drop and share it with a friend! Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Your favorite contrarian investor is back and ready to rock! Offering a perspective that will if internalized, will help you build a portfolio with longevity. The first goal of any true portfolio should be to build long-term wealth, specifically aimed at maintaining your standard of living. This is called your personal capital bucket and should incorporate a vast amount of your holdings initially. Over time, you will have the ability to increase your diversification and start building what is called an aspirational risk bucket, meant to carry you to the higher ladders of wealth. It is important as a new investor to focus on the PERSONAL BUCKET FIRST! Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

The streaming, memeing, high speed, dream teaming, dynamic duo are back at it again. This time answering questions from the community. Here it is, from our oven straight to your doorstep. Come listen to some burning questions answered in this sensual episode by your groovy hosts with the most, Josh Lutkemuller and Brandon Young. Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

This has been a well anticipated episode, and it is finally here! In this episode, I discuss cracking how I cracked the CFA and passed each level the first time. The Chartered Financial Analyst (CFA) program is a postgraduate professional certification offered to investment and financial professionals. This program boats pass rates that are often times in the low to mid 40s, and is definitely not for the faint of heart. If you are interested in a career in the investment industry, this might be the designation for you! Please let me know if you would like more content on the CFA, and maybe down the road, cover each exam specifically. Mark Meldrum Youtube: https://www.youtube.com/channel/UCAHr-sT0AjrD3sBwr1eRUNg Mark Meldrum Website: https://www.markmeldrum.com/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

Tough week in the markets this week, but if you were diversified into the S&P 500, it is trading almost flat since the start of the week! On this episode of the podcast I invite Jacob Brown to discuss Personal Finance principles and how important they are to master if you want to snowball your net worth. Too many people narrow their focus solely on picking the next homerun stock that they fail to evaluate their financial discipline and savings rates. These two principles alone I believe hold more weight when it comes to the success of your portfolio rather than company selection. Hope you guys enjoy this one and remember, SAVE, INVEST, RINSE, & REPEAT. Link to $100k Portfolio Article : https://fourpillarfreedom.com/the-math-behind-why-net-worth-goes-crazy-after-the-first-100k/?fbclid=IwAR0Pew3On-t_MA1ZuspAGNdozu0r2vEsBnnah50J4uRUg2RR3NBJym7Tbrc Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky --- Support this podcast: https://anchor.fm/wallstjunky/support

This podcast is all about YOU guys, where Brandon and I answer questions asked directly from the community. Since I started on this journey almost 2 months ago, myself and Brandon have received tons of questions and have done my best to answer each one that is sent my way. As the community continues to grow, I will make a point to accumulate questions from you guys over the course of a month and address them in a long free-form discussion. Hope you guys enjoy the episode and make sure to subscribe and share with your friends my content, which is 100% FREE. Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

This week I discuss how the size and style components that you need to understand when broadly assessing ETFs and determining risk & return characteristics of any ETF/Index Fund you come across. The Morning Star Stylebox is used by many to better group ETFs with similar characteristics. The size component breaks ETFs into 3 categories: Small, Medium, & Large while the style component breaks ETFs into an additional 3 categories: Value, Blend, & Growth. I also discuss the two most common traps new investors make as well as biases that develop quite frequently. Link to Stylebox: https://advisor.morningstar.com/enterprise/MorningstarStyleBox_FactSheet.pdf Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Coinbase Link: https://www.coinbase.com/join/q22f?fbclid=IwAR3_KzZsyVU7pLXK445yrtnnhpwI6vPMm415Qtc7Fa0hfyz_B4Pp_hgC_Zg&src=ios-link Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

I had a lot of great feedback on the first portion of my interview with Michael Harris. In this episode, I am releasing the second part of the conversation focused on financial advising. I ask the anticipated question of the night, “Who should hire an advisor?”. Michael does a great job explaining his role as an advisor, the traps that those seeking financial advice should avoid, and how to assess the performance of advisors. Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Coinbase Link: https://www.coinbase.com/join/q22f?fbclid=IwAR3_KzZsyVU7pLXK445yrtnnhpwI6vPMm415Qtc7Fa0hfyz_B4Pp_hgC_Zg&src=ios-link Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

This episode of the podcast is brought to you by Brandon Young! I have been busy the past couple of weeks with Paramount Real Estate, but Brandon was able to do a small update on our Webull account we started together to document our returns. Please let me know what you think of this content and get ready for the big account reveal and breakdown that I will be doing on my $250k+ stock portfolio soon! Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Coinbase Link: https://www.coinbase.com/join/q22f?fbclid=IwAR3_KzZsyVU7pLXK445yrtnnhpwI6vPMm415Qtc7Fa0hfyz_B4Pp_hgC_Zg&src=ios-link Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

I hope all my money hungry lunatics are having a great relaxing Sunday! I figured I would drop this interview with Michael Harris of IronOak Wealth in preparation for the Monday trading session. A lot of great market commentary on sectors and specific stocks. We discuss all the hot button sectors in 2021 like Cloud Computing, Clean Energy, EV, and Genomics as well as discuss how to position your portfolio for what many expect to be an astounding year for asset returns. This conversation was fantastic and I will be releasing additional episodes that cover specifically who should consider hiring a money manager as well as the differences between a Financial Advisor and a Registered Investment Advisor. Michael's Information: Michael Harris, Private Wealth Advisor at IronOak Wealth mharris@ironoakwealth.com https://www.ironoakwealth.com/ Get yourself a free stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea Reading List: The Little Book of Common Sense Investing - https://amzn.to/39VPWDu The Intelligent Investor - https://amzn.to/36RqeOw Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://amzn.to/3cMEMmp Extreme Ownership by Jocko Willink- https://amzn.to/2YVCE3y Principles by Ray Dalio - https://amzn.to/39WlZ68 Discord and Facebook Investing Communities: https://discord.gg/xg6UaBwZ https://www.facebook.com/groups/301632014175967/ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast (available on iTunes, Spotify, and many more!): https://linktr.ee/wallstjunky Equipment I use to stream and edit the WallStJunky podcast: Yeti Microphone (Pop Filter & Arm Stand Bundle) - https://amzn.to/3jqrXzt Logitech HD Webcam, C615 - https://amzn.to/3cKQzl8 --- Support this podcast: https://anchor.fm/wallstjunky/support

In this episode of the podcast, Brandon and I break down our picks for the $1,000 Portfolio Challenge where we were both responsible for allocating $500 to the stocks or ETFs of our choice. This proved to be more difficult than originally anticipated, especially with picking individual stocks. I find that when you are starting to invest, especially with a small amount of money, individual stocks can eat up a large part of your portfolio concentration. With that in mind, I always recommend starting with a solid foundation of ETFs or Index Funds that track the overall U.S. market as well as the International market (Vanguard, iShares, Fidelity, and Schwab are a few providers that come to mind). This free form dialogue serves as an informal introduction on how we think about picking stocks, and is just the tip of the iceberg! Stay tuned for a future episode where we break down some community stock suggestions and potentially consider them as constituents in our portfolio! Current WeBull Portfolio: Ticker Allocation UBER 6% VUG 26% ECOM 13% PLUG 7% ARKK 14% VGAC 7% CCIV 27% Community Picks These are stocks that were polled and suggested through my social media accounts EQB, SPCE, STPK, CCIV, DT, TER, ZS, FSR, MRGE, NNDM, WIMI, NERD I have been doing a lot of studying for my Real Estate License lately, but I plan on continuing my reading list! Here are a few books that I continue to read from cover to cover frequently and dog ear important points. If you have enjoyed my podcast so far and want to find similar motivation for long-term investing, look no further than the below books! If you decide to purchase these books, follow my affiliate links down below and support this channel! The Little Book of Common Sense Investing - https://www.amazon.com/gp/product/B075Z6HSCJ/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=B075Z6HSCJ&linkCode=as2&tag=wallstjunky-20&linkId=b748bf635e44dfa89c10900adeef960b The Intelligent Investor - https://www.amazon.com/gp/product/0060555661/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0060555661&linkCode=as2&tag=wallstjunky-20&linkId=6af1dbfd439b0f7332e7f080a2295f2e Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! - https://www.amazon.com/gp/product/1612680194/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1612680194&linkCode=as2&tag=wallstjunky-20&linkId=ae58e57141029cb70004bfeacba780a3 I started a Discord channel with Brandon where we plan on starting weekly calls to get all your investment questions answered and to bounce ideas off one another https://discord.gg/xg6UaBwZ Follow me on Instagram & Twitter for up to date market color! https://twitter.com/WallStJunky44 https://www.instagram.com/wallstjunky/ Available places to stream the WallStJunky podcast: https://linktr.ee/wallstjunky Link to Facebook Investing Community: https://www.facebook.com/groups/301632014175967/ Free Stock from WeBull Program: https://www.webull.com/activity?inviteCode=RDLGcD4x25iE&source=invite_gw&inviteSource=wb_oversea --- Support this podcast: https://anchor.fm/wallstjunky/support

What is your Stupid Human Trick? We all have a unique ability that seems incredible to others. The trick is figuring out what it is that you are particularly good at and using those strengths to craft the processes and systems that capture wealth. Cashflow Ninja M.C. Laubscher came to the US from South Africa in 2001 with a backpack and $500. He played competitive rugby and learned the real estate business via experience, buying his first property at the age of 21. M.C. befriended a wealthy multifamily investor who became his ‘accidental mentor,' asking M.C. to serve in several different capacities from maintenance to leasing to property management to acquisitions. This education served him well, giving M.C. invaluable insight into the world of the wealthy and an understanding of all the moving parts of real estate. Now he is the President and Chief Wealth Strategist of Valhalla Wealth, a wealth management firm that leverages the Infinite Banking Concept to help clients co-author a plan for achieving financial security, independence, freedom and significance. M.C. is also the host of Cashflow Ninja, a popular business and investing podcast that seeks to empower people to grow and protect their wealth in the new economy.  Today M.C. shares the best investment opportunities out there that combat wealth destroyers, why people struggle financially, and his advice for investors who want to break the mold. Listen and learn how to determine the wealth-building vehicle that's right for you and the importance of investing in your own health, relationships and education. You are your own greatest asset, and M.C. is here to inspire you to reach your potential through multifamily investing! Key Takeaways  [2:48] How M.C. got involved in real estate Read Rich Dad, Poor Dad Bought first property at age 21 Befriended wealthy multifamily investor [5:14] What surprised M.C. about ‘the world of the wealthy' Complexity of determining overall plan [6:36] M.C.'s take on the best investments out there Combat wealth destroyers (taxes, inflations, commission/fees) Real estate Insurance products  [10:05] Why people struggle financially Outdated education model Doesn't empower people, teach skills to thrive Lack of financial education Outsource wealth-building Conventional model set up to fail Current environment (government debt, bankruptcy) [14:08] M.C.'s advice to people who want to break the mold Be crystal clear about what you want (economic independence number) Determine why it matters Decide who you need to become Create systems/processes to capture wealth Put wealth into something that provides cashflow ‘Rinse and repeat' [19:45] The benefits of investing in insurance products Safe, secure, growing and liquid Ability to borrow 90% from policy, put into real estate investments Taxes on seed, not harvest [23:07] How to figure out which vehicle or process is best for you Focus on one thing in beginning Once hit number, look at diversifying [26:26] M.C.'s lowest depth of misery Sports background prepared to absorb enormous disappointment Sports injury, failed business deal and relationships fell apart all at once Learned due diligence [28:56] M.C.'s aha moments Invest in self as life-long learner Continue to grow network [31:22] What M.C. would tell his younger self You are your #1 greatest asset Second greatest asset is relationships Certain skills will not go away (marketing, sales and customer service) Business must solve problems, create outcomes [34:30] M.C.'s perfect day Work out, family time and personal development Attack the day at 11am (calls, interviews and case designs) Family time, reading in the evening Connect with M.C. Laubscher Cashflow Ninja Valhalla Wealth Collapsing Time Webinar Banking Principles Presentation Resources Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Becoming Your Own Banker: Unlock the Infinite Banking Concept by R. Nelson Nash Coaching with Michael Free eBook: The Secret to Raising Money to Buy Your First Apartment Building Review the Podcast on iTunes

One of the big real estate rookie mistakes is to turn into a Walmart shopper as you build your team. It is easy to see a coach, lawyer, or property manager as an expense and choose to go with someone less experienced—or even elect to do the job yourself. But today's guest can attest to the fact that a quality team is an investment that can save you millions in the long run. Damion Lupo is a serial entrepreneur with a ‘think big' mentality. In the last 25 years, he's founded more than 30 companies in a number of industries including insurance, precious metals, venture capital, financial consulting and real estate. Damion is also a black belt in three different disciplines and the architect of Yokido, his very own martial art. Damion's personal philosophy centers around self-responsibility and a conviction that candor, growth and a big vision provide the only path to freedom. His commitment to these values led to the creation of Total Control Financial, a FinTech that seeks to reinvent financial control and empower Main Street with the tools of financial transformation. Today Damion discusses his first multifamily deal, a 119-unit property in Memphis that resulted in a $2M loss, and the lessons he learned from the experience. He shares the transformational power of failure, the importance of building a team you can trust, and the extraordinary value of a mentor. Learn how Damion's shift from consumer to contributor had a revolutionary impact on his life. Key Takeaways  [4:03] How Damion got into real estate ‘Tripped' into it Read Rich Dad, Poor Dad Attended seminar for additional resources Attracted to big-time cashflow potential Quit insurance to pursue real estate [5:44] Damion's first steps in real estate Bought house with Visa card Planned to sell on payments after remodel Strategies in place to pursue more properties, but wasn't taking action Failure to return phone calls almost led to bankruptcy [7:18] How Damion was able to avoid bankruptcy Gained momentum by purchasing eight houses in month Purchased another 50 houses over next year (AZ, AL)  [7:58] How Damion got stretched too thin early in his real estate career Despite success, decided to try something different Started high-end rehabs all over country No team in place to help Lost track of projects Not paying attention to numbers Let ego take over (want more and more) [9:35] The lessons Damion learned from his first multifamily deal (119-unit in Memphis) If you can't be there, send team member with ‘massive integrity' Listen to the numbers, get out if necessary Stress test your team before going all-in Don't delegate too much, too soon [14:31] What Damion could have done differently on the Memphis deal Choose experienced partner Move to site or have partner on-site Invest in an experienced team, especially project manager Leverage experience of mentors (make new mistakes) [19:50] The value of a coach/ mentor Damion lost $5M over two years after firing coach Powerful to have people ‘call you on your shit' Don't let ego get in the way of listening Helps you be methodical (rather than emotional) Offers perspective, intuition to pass on bad deals [24:48] Damion's advice around leading a team Clarify expectations up front Have team share back what was heard in own words [25:52] How Damion reinvented himself after hitting rock bottom Equated net worth with self-worth (identity tied to money) Learned that impact must be driver, wealth as side effect Spent two years making shift from consumer to contributor Teaching (martial arts, financial literacy) allows him to give, be present People with contributing mentality happier, more successful Can't think your way to your Om, must do [32:45] How dark times set you up for success and fulfillment Must experience trauma to learn you are not in control Recognize difference between success and fulfillment Damion finds fulfillment in seeing people get out of ‘financial bondage' Connect with Damion Lupo DamionLupo.com Damion's Books Reinvented Life Workbook Resources Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Tim Ferriss Financial Freedom Summit Wait List Free eBook: The Secret to Raising Money to Buy Your First Apartment Building Review the Podcast on iTunes

‘That's just the way I'm built: Nothing's going to stop me.' Joseph Gozlan's story defines the word GRIT. Once he decided that multi-family was the route he wanted to take, Joseph continued to drive through every challenge, getting creative and doing whatever it took to secure his first deal despite the roadblocks and frustrations. Three years later, he is the proud owner of two apartment buildings, and he has five properties in the pipeline. Joseph's living expenses are covered, and he is considering a transition into full-time real estate in the very near future. Joseph got his start in real estate back in 2005 when he and his new wife realized that their new five-bedroom home was too big for just the two of them, so they chose to stay in an apartment and rent the property. Two years later, they moved to the United States from Israel and recognized the opportunity provided by the market collapse. The Gozlans secured their real estate licenses and began actively hunting for deals, purchasing a duplex and several single-family homes. In 2015, Joseph realized there was much more value in apartments than could be gained in scaling single-family homes, and he started extensive research into multi-family investment. Unfortunately, Joseph faced a number of hurdles along the way, and it took a full two years to secure his first 22-unit apartment complex. When many would-be multi-family investors would have given up, Joseph persevered, and today he shares his long road to successful apartment building investing with us. Listen in and get inspired as Joseph discusses why he chose real estate in the first place, the circumstances around his shift to multi-family, and how he has maintained his full-time job in IT while developing a lucrative real estate portfolio. Key Takeaways  [1:59] Joseph's start in real estate Read Rich Dad, Poor Dad in college Got married, lived in small apartment Purchased house, too big for couple Chose to rent house, stay in apartment Moved to US in 2007 Joseph and wife got real estate licenses Actively hunted for deals after market collapse Bought duplex in Plano, TX (paid $180K, invested $30K in renovations) Purchased additional single-family homes until numbers changed in 2013 [4:34] Why Joseph chose real estate in the first place Wants to write giant cardboard check for $1M to children's hospital Early retirement, comfortable living, won't have to answer to boss Tangible assets like real estate trump stock market Realized could be wealth-building strategy, key to financial freedom [6:26] Joseph's definition of financial freedom Do what you want Work from anywhere No worry re: bills Kids won't experience struggle (like he did)  [7:22] The circumstances around Joseph's shift to multi-family Two and a half years ago, duplex had foundation issues Big ticket damage to another property at same time Spent $40K to fix, wiped out five years cashflow Recognized advantages of multi-family (single location, risk spread across multiple units) Began extensive research (books, podcasts, BiggerPockets) [11:11] The long road to Joseph's first deal Reached out to brokers, no response Decided to source deal himself, began marketing (postcards, letters, phone calls) Built rapport with owner/custom-builder of 22-unit apartment Owner agreed to seller financing Refinanced duplex and another property to afford [14:02] The results of Joseph's first deal 23 days from signed contract to keys Brought in property management company Added $600—$800K in value via operation efficiency Spends one hour with management company/week to assure accountability [15:58] How Joseph handled concurrently working full-time Sacrifice necessary Some sleepless nights Spent weekends looking at property, took occasional days off Difficult but doable [16:53] How Joseph secured a second deal within six months Brokers responsive now that ‘closer' Lead through property management company on 102-unit in Lubbock, TX Knew costs, rent and demographics (unfair advantage) Tight underwriting, made win-win offer [18:11] How Joseph financed his second deal ‘Ignorance' gave him the confidence to raise funds Elected syndication to raise $1.4M Had to adjust underwriting model Learning curve around how to talk to investors Learned to focus on benefits (no headache), returns, low risk Did all himself in 45 stressful days Once one investor signs, recommend friends [22:31] How Joseph's second deal is performing Only three months in Great so far, working on renovations Compliments from competition, positive feedback from residents Joseph's living expenses now covered on paper Anticipates feeling comfortable enough to quit job after second quarter [24:33] How Joseph stuck with the multi-family plan despite his initial frustration Went into contract on another property first Realized much-deferred maintenance Seller refused to negotiate Had to back out since numbers didn't work Not in Joseph's personality to give up [26:30] The snowball effect of multi-family deals Joseph already under contract on third deal for 28-unit Only took three days to get LOI signed (motivated seller) Five properties in pipeline now (off-market deals) [28:17] Joseph's plans for the future Recently renewed real estate license Sourcing deals himself (sent 1300 pieces of mail) Continue to work acquisitions Also transition to brokerage side Enjoys ‘coaching' property management company, contributing ideas to improve processes [30:08] What Joseph would tell his younger self Skip single-family, go straight to apartment buildings Could have thousands of units by now [30:51] Joseph's advice for hesitant multi-family investors Don't go it alone Partner or get mentor to establish realistic expectations Offer value to mentor (i.e.: underwriting, boots on the ground) Connect with Joseph Gozlan EBG Acquisitions Eureka Business Group on Twitter Multifamily Investing for Financial Freedom on Facebook Resources Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki BiggerPockets Michael's Products Free eBook: The Secret to Raising Money to Buy Your First Apartment Building Review the Podcast on iTunes

Most of us feel uncomfortable asking people for money, yet as apartment building investors we must raise capital to operate a successful business. Today's guest argues that he doesn't ask people for money, but offers opportunities to collaborate on projects that are a good fit for individual investors. Victor Menasce is managing partner of US Real Estate Partners LP and author of the book Magnetic Capital: How to Raise All the Money You Need for ANY Worthy Venture. He spent the first 25 years of his career in high tech, achieving success as a microprocessor designer. But the frequent travel was a strain, and Victor realized that the days of building wealth in that industry were over. In search of a career that would have a meaningful impact, in an industry known for creating wealth, he started investing in real estate as a side hustle. His first projects involved medium-term executive rentals for parliamentary and embassy staff in Ottawa as well as local rent-to-own transactions. Victor then expanded to US markets and transitioned to real estate full-time. His current specialty involves building new apartments in an infill urban setting across multiple domestic and international markets. Leveraging the skills around raising capital he developed in the tech industry, Victor has become an expert in helping investors divert their money from high-risk equity markets into safe multi-family real estate assets. Today Victor details the five key elements of raising capital and explains why some people repel the very money they're trying to raise. Listen and learn from a developer who has raised more than $300 million in his nine-year real estate career! Key Takeaways [7:01] Why Victor views real estate as a team sport Foreigners viewed as risk (lenders perceive lack of recourse) Local partner facilitates investment [7:47] The most difficult part of Victor's transition from full-time job to real estate Used savings to invest Caused stress as savings dwindled Chose wrong partners early on [10:00] Why some repel money when they're trying to raise it Mistake to skip steps in basics of human relationships Can go from natural progression to ‘creepy' very quickly Pace conversation so doesn't feel forced [11:17] The first key element of raising capital – RELATIONSHIPS Build genuine relationships with prospective investors People don't want to be used Forcing a connection pushes people away [15:18] The second key element of raising capital – TRACK RECORD Proof of results necessary in raising money If just getting started, partner with someone who is established (borrowed credibility) [17:42] The third key element of raising capital – TRUST Goes beyond ‘dealing with honest person' Includes alignment of intention Decisions happen quickly when trust exists Employ ‘trial close' [20:09] The fourth key element of raising capital – COMPELLING OPPORTUNITY ‘Compelling' in eye of beholder All good deals get done Consider creating your own deal (scarcity vs. abundance mentality) [25:40] The fifth key element of raising capital – ALIGN PROJECT GOALS WITH INVESTOR Must be a good fit (i.e.: shoe shopping) Different segments/classes of investors Criteria include rate of return, control structure, tax consequence, security, risk, etc. Sophisticated investors clear on all criteria [30:55] The biggest mistake entrepreneurs make Raise too little money Delays, increased construction costs may leave you short Victor recommends securing extra 5% equity Hard to raise money when desperate [33:28] How to invest like a billionaire, even if you're not ‘Buy on the line, move the line' Identify dividing line between ‘hot' and so-so neighborhood If line arbitrary, purchase 5-10 on depressed side Move line and you set value [35:36] Victor's advice for people hesitant to ask for money Reframe as opportunity to collaborate on project Connect with Victor  victorjm.com Resources  Magnetic Capital: How to Raise All the Money You Need for ANY Worthy Venture by Victor Menasce  Magnetism Scorecard  Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki  Free eBook: The Secret to Raising Money to Buy Your First Apartment Building