Podcasts about rudiger

In this episode the team discuss their Winners & Losers from Chelsea's 1-0 win over Djurgarden in the Conference League.The team also talk the latest from this week's news and as always also answer some listener questions.RUNNING ORDER:00:00 The Start & Shevva's Shoutouts14:18 News: The Return Of Antonio Rudiger & Chelsea Announce Two Huge Departures28:40 Winners & Losers: Chelsea 1-0 Djurgarden1:00:04 Newcastle Preview1:03:18 Quaresma's QuestionsIf you have a question for the team then contact them on Twitter at @AtTheBridgePod(This episode was recorded on 9th May 2025)*** Please take the time to rate and review us on Apple Podcasts or wherever you get your pods. It means a great deal to the show and will make it easier for other potential listeners to find us. Thanks!*** Join our Discord: https://discord.gg/b3arBztQjnThis episode is proudly supported by Head In The Game, a charity using football to support mental health and wellbeing. Check out their free programs at headinthegame.co.uk and follow them on social media to learn more._______________________________________________Get In Touch With Us:Twitter - twitter.com/AtTheBridgePodInstagram - Instagram.com/AtTheBridgePod#CFC #CHELSEA

Richard Fitzpatrick joins Dotun Adbebayo and Tim Vickery to discuss why rivalry is so important to football, why Rudiger got his red card, why Manchester United fans were crying on Sunday when Liverpool won the league and we'll explore the differences between rivalry in South American and Europe.  Richard is the author of 'El Clasico: Barcelona v Real Madrid'Which you can purchase here: https://www.amazon.co.uk/El-Clasico-Barcelona-Footballs-Greatest/dp/1408158795FOLLOW THE BRAZILIAN SHIRT NAME ON INSTAGRAM:https://www.instagram.com/brazilshirtpod/FOLLOW THE BRAZILIAN SHIRT NAME ON FACEBOOK:https://www.facebook.com/BrazilShirtPodFOLLOW THE BRAZILIAN SHIRT NAME ON TWITTER:https://twitter.com/BrazilShirtPodPURCHASE DOTUN'S LATEST BOOK, EFFRIES HERE: https://amzn.to/4cM260f

De eerste halve finale in de Champions League leverde een Franse zege op. PSG versloeg Arsenal in Londen. In de AD Voetbalpodcast blikt Etienne Verhoeff met Rik Elfrink terug op het duel. Verder bespreken ze de flinke schorsing voor Rudiger. Of er in Eindhoven al titelkoorts is en meer voetbalzaken. Beluister de hele AD Voetbalpodcast nu via AD.nl, de AD App of jouw favoriete podcastplatform.Support the show: https://krant.nl/See omnystudio.com/listener for privacy information.

Real Madrid lose 2-3 to Barcelona game winner by Jules Kounde. Pedri opens the game with a goal from outside the box. Mbappe lights up the crowd with a free kick goal and 7 mins later Tchoumeni gets a headed goal. But Yamal with second assist of the game puts a ball for Ferran Torres to score pass Courtios and Rudiger. Kounde game winner was just poor mistakes by Real players and lost final.

RUDIGER OPERADO, INTERESA KERKEZ, XABI ALONSO NO QUIERE EL MUNDIAL | CHIRINGO 880

Con gol de Koundé el Barcelona venció 3-2 al Real Madrid. Rudiger protagonizó un momento bochornoso.

It's time for The Truth!Today, Sam and Dougie are looking at Real Madrid, and where things have gone wrong for them over the past couple of months. The perennial Champions League winners are out of the competition they love most, are currently second in La Liga to Barcelona, and whilst they are in a Copa del Rey final, they face off against Barça there too - who they've routinely struggled to contain all season long. We examine the hand that Carlo has been dealt - with squad building and injuries playing a key role - and question whether it's his fault that this squad stacked full of talent just isn't clicking right now. We also take a look at the potential contenders to succeed him, as well as what might be next on the agenda for Ancelotti if he does depart the Bernabeu this summer.  Has Carlo been given an impossible hand to play, or is he justifiably at fault for the struggles of his team this year? Well, The Truth is somewhere in the middle... And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

This week we catch up on the CAF Champions League, with two South Africa v Egypt semi-finals.And in the CAF Confederation Cup a stunning result for Stellenbosch of South Africa, knocking out holders Zamalek in the quarter-finals, while Simba of Tanzania turned things around against Al Masry to make it through.There's a row involving Cameroon keeper Andre Onana before United's Europa League showdown with Lyon.Also we hear from Real Madrid and Germany defender Antonio Rudiger, whose father is from Sierra Leone, on his charitable foundation in Sierra Leone and his views on the power of sport.Plus Stuart on the Uefa Champions League and Kevin de Bruyne's decision to leave Man City at the end of the season.

PREVIA REAL MADRID - VALENCIA, RESOLUCIÓN UEFA RUDIGER | CHIRINGO 860

Jordan Ayew on Christian Atsu. UEFA investigates Rudiger, Mbappe, Ceballos, and Vinicius Jr for conduct vs Atletico. Mo Shaban previews MTN FA Cup Quarter-Final fixtures & more!

Le Real Madrid va-t-il encore prendre gratuitement un des meilleurs joueurs du monde ? Après Alaba, Rudiger et bien sûr Mbappé, le Real est en passe d'enrôler Trent Alexander-Arnold, en fin de contrat cet été avec Liverpool. Est-ce déjà le plus gros coup du mercato d'été ? Avec TAA, le Real a-t-il l'effectif parfait ? L'international anglais fait-il un sale coup à son club formateur Liverpool ? Le pouvoir d'attraction du Real Madrid est-il égalable ? Le Barça reçoit Osasuna ce soir dans un match capital. La programmation de cette rencontre est-elle honteuse ? Ce match peut-il être charnière pour le titre en Liga ? Comment faire sans Raphinha, pas encore rentré de la trêve internationale ?

Real Madrid beat Villarreal with two goalsfrom Mbappe man of the march performance. Atlético took Real to penalty kicks shoot out and Madrid were winners, a double kick by Atletico striker. Rudiger converts the last one to win the match. Madrid defeats Rayo by goals from Mbappe and Vinny Jr.

Hello Rank Squad!It's time for Champions League Takeaway, your late night delivery following the action - following the second legs of the new 'Playoff Round' in the competition, pitting the teams who finished 9th to 24th in the league stage against each other to earn places in the Round of 16.Wednesday night saw the headline tie of the round - Real Madrid vs Manchester City - settled by a Kylian Mbappe masterclass, with the Frenchman scoring a brilliant hat-trick to put the game far beyond the reach of Pep Guardiola's men and eliminate a Pep side before the Round of 16 for the first time in his managerial career. We talk how far off it City were, and how with the No 9 firing, Real Madrid might well just be favourites once again. There's also a discussion of the most entertaining game of the evening - PSV's extra-time triumph over Juventus which made the Old Lady the third (of three) Italian sides knocked out in this playoff round - two to Dutch opponents, and the other from Belgium - it's a good time to be from the Low Countries! And we talk briefly about PSG's absolute demolition job of Stade Brestois, and Borussia Dortmund's very uneventful seeing off of Sporting CP. Then in Part Two we chat through Bayern's late Davies dagger that broke Celtic hearts (it's a cruel game, sometimes), as well as Milan and Atalanta's respective headlosses as they crashed out to Feyenoord and Club Brugge respectively, as well as an incredibly fun encounter which saw Benfica emerge victorious against AS Monaco. It's Ranks! And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

05 19-02-25 LHDW Guardiola busca el milagro en el Bernabeu con jugadores frescos. ¿Está ya el R.Madrid clasificado?. Rudiger puede ser titular y Valverde lateral

05 19-02-25 LHDW Guardiola busca el milagro en el Bernabeu con jugadores frescos. ¿Está ya el R.Madrid clasificado?. Rudiger puede ser titular y Valverde lateral

Merina Grisen disko berria, The Black Keys-ek albuma iragarri du apirilerako, Jason Isbell, Lucius, Rudiger, Bartees Strange...

Asteburuan datozkigun kontzertuen errepasoa: DeWolff, Anari, Tatxers, La Plata, Cala Vento, Olatz Salvador, Nakar, Rudiger...

l Real Madrid tiene una 'emergencia' (tal y como lo denomina el propio Carlo Ancelotti) en labores defensivas. Las necesidades provocadas por las lesiones, siendo las últimas las de Rudiger y Alaba, han hecho que el técnico italiano tenga que recurrir a reubicar futbolistas y a la cantera. ​​La situación ha provocado que Raúl Asencio se haya convertido en fundamental para el primer equipo del Real Madrid. De este modo, Tchouameni ha jugado ya varios partidos como central y, además, el canterano Jacobo Ramón ha entrado en escena tras jugar los 90 minutos en Butarque.​​Con este panorama, desde el programa 'La Tribu' de Radio MARCA han descolgado el teléfono para hablar con Rubén González Rocha. El gallego despuntó en la cantera merengue y consiguió debutar en el primer equipo. Era la etapa de 'Los Galácticos' y no guarda un buen recuerdo de aquellos primeros minutos con el primer equipo, pero logró rehacer su carrera y jugar 367 partidos en el fútbol profesional. See omnystudio.com/listener for privacy information.

Aunque estableció un nuevo récord mundial al pasar 120 días viviendo bajo el mar, Koch asegura que su objetivo va más allá y que quería demostrar que el mar también puede ser un hábitat apropiado para los humanos.

This is Early Kick Off from the Men in Blazers media network and presented by our great friends of the pod STōK Cold Brew Coffee, all your global football stories straight from the back pages of Europe's newspapers in around 10 minutes.On today's episode: Two under-pressure managers met in West Ham v Wolves, and Julen Lopetegui's Hammers came out on top; Christian Pulisic is set to be sidelined until early January after an injury; David Coote is sacked by the PGMOL; Mo Salah has been made a contract offer by Liverpool; the gold medal-winning USWNT is snubbed by FIFPRO; we preview Tuesday's clashes in the Champions League; and Marc Cucurella trashes his boots.FIFPRO World XIs…Full women's team: Earps; Bronze, Carmona, Greenwood; Bonmati, Alexia, Walsh; James, Caicedo, Marta; Banda.Full men's team: Ederson; Carvajal, VVD, Rudiger; Bellingham, KDB, Kroos, Rodri; Haaland, Mbappe, Vinicius Jr.Football don't sleep, and neither do we.This episode was made in the UK for Men In Blazers by…Host: Sammy JamesProducer: George CooperAssistant producer: Elizabeth BarnardResearcher: Jack CollinsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The boys review a surprising set of results, as Barcelona drop points yet again, this time at Betis (7:07), and a usually profligate Madrid put three past Girona, including a tidy Mbappe finish (27:55). Plus, we dig into some meaty Champions League matchups, as Real travel to face the best team in Italy (35:06), and Barcelona must face the terrifying Yellow Wall and a surging Dortmund side (48:25). 

06 02-12-24 LHDW El R.Madrid gana sin brillantez al Getafe. Mbappe marcó. Polémica arbitral, penalti a Rudiger. Los culés muy enfadados con ese penalti

7 goal thriller with Real Madrid beating Dortmund 5-2. Hat trick hero was Vinni Jr , Rudiger and Vazquez both goal one goal each. Also Madrid were down 2-0 at halftime to make a comeback in the second half Mbappe only got assist made great runs to free up Vinni Jr.

Vinicius, Lucas Vázquez y Rudiger han sido los autores materiales del descalabro del Borussia Dortmund en una nueva noche europea del Real Madrid en Champions. Los blancos se han ido en desventaja al descanso y, tras saltar al campo entre los pitos de la grada, el equipo se ha reactivado a niveles insospechados para conseguir sumar hasta cinco goles en una sola parte. El hat-trick de Vinicius y la euforia goleadora camuflan una primera parte nefasta que dejaba las mismas sensaciones que el resto de la temporada de los de Ancelotti: falta de entendimiento, intensidad y fluidez tanto en defensa como en ataque.

Los blancos se fueron al descanso perdiendo 0-2, pero Vinicius, Rudiger y Lucas Vázquez se sumaron a la épica en el segundo tiempo

Hello Rank Squad!In the wake of the injury to Rodri that looks set to keep him out for the majority of the season, it got us thinking about a topic that's been a bit of a Ranks staple down the years - who is the most important player for a variety of teams across Europe?We start in the Premier League, examining options for Manchester City, Arsenal and Liverpool, before turning our attention to the continent to discuss the contenders for that crown for PSG, Milan, Inter, Juventus, Barcelona, Real Madrid, Atletico Madrid and Bayern Munich. There's plenty of debate across almost every club, which is natural for a topic as subjective as this one, but we dive deep into the options as we try and work out not who is the best player at each of these European giants, but who is the one that they simply could not live without. It's Ranks!  And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

In Episode 75 of The Cool Fireman Podcast, we're joined by Greg Rudiger from RAD (Resilient Another Day) Consulting for an insightful conversation on health, wellness, and resilience. Greg is passionate about helping first responders build the mental and physical strength needed to face the challenges of the job. Greg shares practical tips for maintaining resilience in the fire service, touching on how to stay healthy, manage stress, and keep going, day after day. Whether you're looking for ways to boost your well-being or simply curious about resilience, this episode is packed with valuable insights that will help you take care of yourself and your team. Tune in to learn how to be resilient another day with Greg and the crew! #FirefighterWellness #ResilienceAnotherDay #FirefighterHealth #MentalHealth #FirstResponderWellness #FireService #RADConsulting

Real Madrid beat Stuttgart in an entertaining game 3-1. Mbappe gets the first goal in start of second half. Rudiger gets a goal from a corner to secure the win 2-1. Than Endrick gets the final goal from 25 yards in the final minutes.

Pese a que se topó con un rival que lo puso en aprietos, el conjunto merengue salió airoso con anotaciones de Mbappé, Rudiger y Endrick.

The American Spinal Injury Association (ASIA) institutionalized, and now stewards, the International Standards for the Neurological Classification of Spinal Cord Injury (ISNCSCI) exam, the most ubiquitous neurological exam performed for spinal cord injury (SCI). Join us in this episode with Dr. Rudiger Rupp for a deep dive on the most recent update to the ISNCSCI, headed by ASIA's International Standards Committee chaired by Dr. Rupp. We hope you enjoy this zoom into the zone of partial preservation (ZPP) and non-SCI taxonomy, with Dr. Rudiger Rupp.

The American Spinal Injury Association (ASIA) founded and now develops the International Standards for the Neurological Classification of Spinal Cord Injury (ISNCSCI) exam, more commonly known as the "ASIA exam." This exam, which assigns a level and "completeness" of SCI, is the most common neurological exam performed in those with SCI. The most recent updates included the addition of zone of partial preservation (ZPP) and a "non-SCI taxonomy" (listen in to learn what that means

Daniel Van Buyten talks Bastian Schweinsteiger, Robert Lewandowski, Who's the best passer: Toni Kroos or Kevin De Bruyne? Is Eden Hazard the best? Rio Ferdinand & Roman Kemp present Legends Lounge! Where we bring you closer to the biggest stars that played in the EUROs. Today, Rio & Roman sit down with former Belgium international Daniel Van Buyten! Discussing his development in Germany & playing for Bayern, the Belgium National Team, who's the better passer? Kroos or De Bruyne? Vincent Kompany, Best strikers he played against, 5-a-side teams in players he played with and played against, who are the best CB's in world football? Van Dijk? Saliba? Rudiger? Daniel Van Buyten takes on the 9 Dart Challenge and spins the challenge wheel & much more! Don't forget to like, comment, subscribe and hit that notification bell so you never miss a minute of football coverage, exclusive interviews, and fiery debates this season! Hosted on Acast. See acast.com/privacy for more information.

¿CÓMO VAMOS A SENTAR A PEDRI? Hay gente que quiere sentar a Pedri en el banquillo. Esto es así. Por algún extraño motivo no se le perdona nada a este joven canario que a diferencia de otros muchos ya sabe lo que es ser proclamado como el mejor jugador de una Eurocopa. No el mejor joven, que también lo fue, como ahora pueden serlo Nico o Lamine, sino el mejor futbolista de todos los convocados en la edición del 21 que se nos escapó en una tanda de penaltis.  El caso es que el primer encuentro de Pedri con el nuevo seleccionador no puede ser más fructífero. Seis convocatorias, cinco titularidades y seis victorias y protagonismo indiscutible en el buen juego de España. ¿O cómo creen que le llegan los balones a los extremos para que puedan hacer magia? Es singular la situación que vive. Apareció y sin haber empatado con nadie le bautizamos como el nuevo Iniesta, el guardián de la esencia de la posesión en España y en el Barça. Quizá el hecho de haber recibido el impulso de Luis Enrique supuso un prejuicio infranqueable. Le tocó vivir demasiado rápido el éxito de ese MVP, el doblete en los JJOO, su presencia permanente en un listado de prórrogas interminable hasta que el cuerpo hizo crack.  Se le acusó de poco físico, de poco cuidado, de nula condición para el fútbol moderno. Ahora se señala tras su paso por el gimnasio que ha perdido toque con la pelota. Cada pérdida, un contragolpe. El caso es que pierda algo. Sin entrar en comparaciones absurdas, Alemania no discute ni a Kroos, ni a Gundogan, aunque ya jueguen caminando. Nuestro corazón latino ya azuza la opción Dani Olmo y no me parece mala idea si es como falso nueve para quitar referencia a Rudiger y con Pedri de lanzadera. Es pequeño, es bajito, es joven y es español. Nada me parecería peor que darle la razón a un perdedor como Lehmann.See omnystudio.com/listener for privacy information.

Le analisi di Italia vs. Svizzera 0 - 2 e Germania vs. Danimarca 2 - 0 e il punto su Argentina e Uruguay.

"Alaba, Militao et Rudiger la saison prochaine, ça fait peur non ?", nous a lancé Jonh Real durant notre dernier échange avec la communauté. Ce à quoi Thomas et Jotha vont répondre...

02 28-05-24 Noticias del NoDo: Sánchez el Estado Palestino, fugas en VOX, contrato ilegal en ADIF y Rudiger y los toros, PACMA ataca al Madrid por sus jugadores acuden a San Isidro

Hello Rank Squad! It's time to go Continental for this week's episode, building a European Team of the Season from the big six leagues on the European mainland. There were a few more teams, players and contenders to analyse compared to last week's Premier League edition, so it's a dig into the depths for Jack to try and build something special from this season's standout stars. We take a look across the Bundesliga, Serie A, Ligue 1, La Liga, Eredivisie & Primeira Liga to bring you the best 11 we can build based on the performances across the season, trying not to lean too heavily on any one particular team - and there's plenty of discussion and debate as we go. Before that there's an ode to The Bag™️ which has survived its fourth season intact after correctly calling the winners of seven leagues again, and an interesting anecdote on why the Club Brugge-Fiorentina game in the Europa Conference League has been moved to Wednesday; and at the end, Dean asks Jack to help him stop feeling old and explain the basics behind the Kendrick Lamar-Drake beef which has dominated the discourse over the weekend. It's Ranks!  And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

DONDE MANDA ANCELOTTI NO MANDA MARINERO   Donde manda el Madrid no manda marinero. Quizá sea esa la frase a la que debe hacer alusión Carlo Ancelotti en este día en el que estaremos entretenidos con la tecnología de gol, el espuelazo de Yamal y la influencia de Soto Grado en el desenlace del Clásico.  A este respecto poco hay que decir. Los clubes, concretamente todos los del fútbol profesional excepto dos, el Real Madrid y otro más, aprobaron hace unos meses en asamblea el salario de Javier Tebas, casi tres millones de euros fijos más bonus que le permitirían llegar a los cinco y medio, pero no aprobaron gastarse cuatro kilos, dos por categoría, para implantar el sistema que permita aclarar jugadas como la de ayer o como la que apeó de la final de Copa a la Real en Mallorca, que aquel día se jugaban bastante más y nadie levantó la voz. A la llorería se llega girando a la derecha y al final de la calle.   Pero hoy merecen honores Carlo Ancelotti y sus jugadores. Acaban de vivir la mejor semana del año eliminando a Guardiola y a Xavi de una tacada. Cediendo el relato, jugando con un autobús o si lo prefieren, con un mercante atracado en la dársena para defenderse y también jugando a las transiciones que para algo tiene futbolistas que corren mucho y muy rápido y exigen al máximo al rival. Ancelotti ha manejado el timón anticipando oleajes y temporales de todo tipo y condición. Solo ha naufragado en el Metropolitano y a estas alturas ya divisa el puerto del doblete aunque todavía le queda singladura por recorrer.   En su cuaderno de bitácora seguro que habrá apuntado como se ha inventado el MVP merecido que se va a llevar Bellingham que ha mejorado en mucho su ya de por sí excelente versión de Dortmund. Vinicius parece otro, como Rudiger no hay ninguno y gracias a Lunin casi nadie echa de menos a Courtois. El que no se entera por donde le da el viento es Güler, pero pronto recibirá bautismo de mar por parte Carletto convertido, contra viento y marea, en el patrón de LaLiga.  See omnystudio.com/listener for privacy information.

06 18-04-24 LHDW ¿Que hizo mal el City y Guardiola para perder la eliminatoria?, sin Plan B. Imperial Rudiger y toda la defensa en general. Bien Modric lo que jugó

Il punto sul Bologna e l'analisi di Real Madrid vs. Manchester City 3 - 3, Arsenal vs. Bayern Monaco 2 - 2 e PSG vs. Barcellona 2 - 3.

Repasamos la victoria del Real Madrid enel Coliseum con doblete de Joselu, pero con la duda de Rudiger y la quinta amarilla para Tchouamení que lo deja sin posibilidad de jugar el derbi. 

Mark and Payton couldn't wait to get you their reactions from the first La Liga football following the festive break, with a couple of close wins for the clasico sides. Mark extolls the virtues of Real Madrid's self-proclaimed madman, Antonio Rudiger, as he headed home all three points for the capital club in Vini's long awaited return (30:33), and Payton gives us the full rundown of Barcelona's faults as they escape somehow with a stoppage time win over Las Palmas (6:15). Plus, the boys are frothing at the mouth for some Copa Del Rey weekend action, as Barcelona take on 4th tier Barbastro at their 5,000 seat capacity stadium (39:40), and Mark awaits Arda Guler's debut as Real Madrid take on tiny Arandina on Saturday (46:57). 

On this episode of the Managing Madrid Podcast, Kiyan Sobhani and Mehedi Hassan discuss: A twist in Real Madrid's lineup! How the 4-2-3-1 functioned tactically vs Granada Carlo Ancelotti praise How Fede Valverde has made this system work so efficiently Brahim Diaz and Rodrygo Goes stepping up Jude Bellingham's performance Toni Kroos insane stats Will Kepa play vs Betis?  Rudiger's performance The referee Rodrygo resurgence His shot-striking — a tweak Brahim replacing Marco Asensio How Ancelotti has done an amazing job amid all the injuries The Joao Felix / Barca / Atleti situation And more. Did you enjoy this Podcast? Get a ton of bonus content exclusively on Patreon.com/ManagingMadrid. Did you enjoy this podcast? Get a ton of bonus content exclusively on Patreon.com/ManagingMadrid. Join our Real Madrid Discord Channel: https://discord.gg/rTD2PmE26f Managing Madrid is a hub for all Madridistas with updated news, op-eds, tactical analyses, artwork, and of course, podcasts. It also serves as a means for Real Madrid fans to connect and discuss the team. We would like your support so that we can continue to produce podcasts for you. The site is run by a small team that works tirelessly around the clock to make it into what it is today. Your contributions will allow us to continue to have a real and full-time presence in keeping this website, and it's podcasts, going. Hosts this week: Mehedi Hassan (@MHassanFootball) Kiyan Sobhani (@KiyanSo) Learn more about your ad choices. Visit megaphone.fm/adchoices

I don't keep much money in a savings account, money money market account, or treasury bonds. They only pay 5% interest. Instead, I get 10-12% cash returns and semi-liquidity by private lending on real estate and operations with Freedom Family Investments. My guest, the company CEO, Dani Lynn Robison and I discuss how it works. They're a family of 7 real estate-centric companies. They pay me 10-12% on a loan that I make to them that funds their real estate and business operations. You can too. It's called their Master Note.  Text “GRE” to 66866. These private lending programs have just a $25K minimum, accredited and non-accredited, returns up to 12%. Rather than getting in on the equity side here, which is usual, you're getting in on the debt side. This way, you're more liquid than when you buy property yourself. We discuss 3 vital investor questions: Who do you trust? Where do you begin? What's the best path for you? Dani Lynn & I discuss a good investor outcome. We also discuss how when things went wrong, the investor/lender still got completely repaid. I can personally tell you that they've always paid me on-time and in full. Some people don't like to share where they personally invest, but this could really help you. Vocabulary terms explained: financial runway, demand depositor, time depositor, vertical integration. If a high-yield passive return of 10-12% sounds interesting to you, text FAMILY to 66866. Resources mentioned: Show Notes: GetRichEducation.com/475 For 10-12% returns with Master Notes with  Freedom Family Investments: Text “FAMILY” to 66866 Dani Lynn Robinon's book, “Get Real”: https://www.amazon.com/Get-Real-Understand-Estate-Investing/dp/B0BZF99S5K For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Timestamps:   The importance of increasing income (00:01:28) The speaker emphasizes the importance of increasing income rather than cutting expenses and discusses the concept of a financial runway.   The need for liquidity in real estate investing (00:04:05) The speaker explains the need for liquidity in real estate investing and recommends having 3 to 5% of the total value of a real estate portfolio in liquid funds.   Investing in residential real estate for strong returns (00:06:44) The speaker discusses the benefits of lending to the long-term stability of residential real estate and related businesses, highlighting the potential for strong returns.   The acquisition and growth of Freedom Family Investments (00:11:35) This topic covers the growth of Freedom Family Investments, including the number of units acquired, funds raised, and the value of their portfolio.   The concept of vertical integration in real estate (00:12:38) This topic explains the concept of vertical integration in the business world, specifically in the context of real estate companies. It discusses how vertically integrated companies have more control over their supply chain.   The Master Note Program by Freedom Family Investments (00:15:45) This topic introduces the Master Note Program, a lending program offered by Freedom Family Investments. It explains the program's features, including high yield returns, liquidity, and the option to compound interest.   Private Money Lending and Investing in Materials (00:20:57) Danny explains the process of private money lending and how investors can invest in materials for discounted prices.   Expansion of Opportunities for Passive and Active Investors (00:23:34) Danny discusses the various opportunities available for passive and active investors, including turnkey real estate, private money lending, and funds.   Minimum Investments and Accredited vs Non-Accredited Investors (00:26:22) Danny explains the minimum investment amounts and the options for accredited and non-accredited investors, as well as the different investment opportunities available for each category.   The trust question (00:30:14) Importance of trust in investment, transparency, and how to choose trustworthy partners.   The worst deal (00:32:21) A story about a bad investment deal, the importance of honoring commitments, and how volume can mitigate risks.   Get Real (00:35:28) Introduction to the "Get Real" book series, the importance of authenticity and transparency in real estate investing, and the power of sharing failures.   Time Deposit Accounts and Demand Deposit Accounts (00:38:36) Explanation of the differences between time deposit accounts (like CDs) and demand deposit accounts (like checking and savings accounts).   Vertical Integration in Business Strategy (00:38:36) Definition and explanation of vertical integration as a business strategy where a company takes ownership of multiple stages of its supply chain.   Financial Runway (00:38:36) Definition of financial runway as the amount of time one can maintain their lifestyle without the need for a paycheck.   Complete Episode Transcript:   Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Why settle for growing your money at a 5% interest rate in a savings account, money market account, or treasury bonds? You could earn double that or more. In fact, we're talking about exactly where I invest my more liquid dollars myself, often with a real estate centric backing. Today on get Rich education.   Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:00:51) - We're going from Hartford, England, to Hartford, Connecticut, and across 188 nations worldwide. I'm Keith Weinhold, you're listening to episode 475 of the Get Rich Education Podcast, the Voice of real estate investing since 2014. Don't live below your means. Grow your means. It's in your genes. Most people tie up so much life energy in their job, and they're scared to death of losing their job because it provides everything to them, not just their salary, but their health care, their retirement, and even who they are.   Speaker 1 (00:01:28) - And then even their very identity is in their job now. So that might be okay, especially if you truly get a deep existential meaning from your job and you get that sense. In fact, in that case, thank you. You're probably serving society, and I might be a beneficiary of that. But now we isolate the fine part of your job. It is a real mystery to me how so many study, how work works, so few study how money works. And yet money is the main reason that people go to work. In the personal finance world, it's more important to increase your income, then cut your expenses. Spend more time building a cash flow statement. See that's constructive to your standard of living, not a budget which is destructive to your quality of life. Think of residual income in terms of what I'd like to call your financial runway. Your financial runway. Yeah, it is that amount of time you can maintain your lifestyle without the need for a paycheck. So the length of your financial runway is measured in time, and it is critical for you to lengthen this runway if you hope to retire early and it can dramatically reduce your stress.   Speaker 1 (00:02:49) - Level two well, that can create outcomes so that you can say, go on a super long vacation and make your ostentatious display of time wealth as it is now. At some point in your life you probably listen to and had. The real estate pays five ways epiphany. And it is really compelling to then keep the majority of your capital invested there, for sure. But you likely don't want to keep absolutely 100% of your dollars there because you need some liquidity to fund the operations of your daily life. In fact, you can make the case that you need more liquidity than a non real estate investor does. Now, a six month emergency fund is the rule of thumb for laypeople, but on top of that is real estate investor. It's also a good idea to have 3 to 5% of the total value of your real estate portfolio in liquid funds. Now, a lot of people hold liquidity in a bank, and you do that as either a demand depositor or a time deposit. In fact, in banking vernacular, do you know the difference between demand deposits and time deposits? Well, demand deposit accounts, they include things like checking accounts, savings accounts and money market accounts.   Speaker 1 (00:04:05) - And they're called demand deposits because they allow you to withdraw your money from the account whenever you want to. That is different from time deposit accounts, like a CD, which requires you to deposit your money for a specific length of time. So that's the difference between a demand deposit and a time deposit. So time deposits like a CDS certificate of deposit. Therefore they pay you a high your rate of interest in exchange for your reduced liquidity. Now with that understanding, let's take a time out here to remind ourselves of something. When money flees the stock market, which it often does, it usually ends up in bonds as demand for bonds goes up, their interest rates go down. Then, as bond interest rates go down, investors go back to stocks in pursuit of yield and everything reverses. So that is an ebb and flow of funds, which creates a degree of equilibrium. But it also moderates your return. And you're also never going to get in and out at just the right time trying to time those markets.   Speaker 1 (00:05:22) - So when it comes to your dollars that you don't have being actively leveraging real estate, you know you can't hit every note in the symphony yourself with just one investment vehicle. It takes an orchestra full of your prosperity, all your dollars, all playing their notes boldly to help you hear the complexity of the. Position. Well, when you park money at an everyday bank or a treasury bond. Either way, you're now making a loan and oftentimes the exact way that that loan is backed your collateral that's actually unknown to you. Well, instead of that, what we're talking about today is that you can lend to the long term stability of residential real estate and related businesses and still get a strong return. And yes, I'm focused on the resilience of residential, just like we have here at from day one. Now, when it comes to something more precarious, really touchy section like office real estate. We work. They're expected to seek chapter 11 bankruptcy protection after that embattled office space company missed interest payments that it owed to its bondholders.   Speaker 1 (00:06:44) - So instead, you can keep your more liquid and semi liquid dollars working for you as a loan to someone else in residential, and enjoy some of the condensation on that pipe with returns that are about double what you can get on a 5% savings account today. Now, today it is the right time to talk about returns of 10% plus, because just a year or two ago, we were in this inversion where inflation was higher than interest rates. That's atypical. In fact, in June of last year, CPI inflation peaked just over 9%. And you got to ask yourself, how attractive is a 10% return on your liquid dollars? If inflation is 9%, well, that's not attractive to you at all because you real rate of return would only be 1% in that case. But now with inflation down, you can get a higher real return again. Today, interest rates are higher than stated CPI inflation and even the true rate of inflation. If you know where to look for that and you have a sense for what that is today, I'll help you know where to look, because it's exactly where I invest my liquidity today.   Speaker 1 (00:08:02) - See, in order to do this, it's really investing like a billionaire. And you don't need to have some wealthy sounding name like Brandon Meriweather, Rudiger, Bertram Lawrence, Perry Bottom or Carruthers Davenport. You don't need any names like that. You just need the knowledge. No, I guess I won't call you Carruthers if you preferred, but I think you'd sound like a guy that blows rings of smoke into people's faces. And I don't think that's a good look for you. We'll talk to the custodian of my funds here shortly. I make private loans to her company. She and I both serve on the Forbes Real Estate Council. She is a strong visionary, and she's not afraid to discuss problems either. That's something I really like. In fact, I'll be sure that comes up. This could really help you today. That's next. I'm Keith Weinhold in your listening to get Rich education. Diary listeners can't stop talking about their service from Ridge Lending Group and MLS. 42056. They've provided our tribe with more loans than anyone.   Speaker 1 (00:09:10) - They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Caeli Ridge personally, or even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate, and I kind of love how the tax benefit of doing this can offset capital gains in your W-2 jobs income. They've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866.   Speaker 1 (00:10:27) - Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 3 (00:10:39) - This is Hal Elrod, author of The Miracle Morning and listen to get Rich education with Keith Weinhold and Don't Quit Your Daydreams.   Speaker 1 (00:10:56) - Okay. I'd like to welcome back onto the show today, the co-founder and CEO of the whole operation Freedom of Family Investments. There's seven real estate centric companies based in Centerville, Ohio. By the way, the other co-founder is her husband, Philip, whom you've heard on the show before. Hey, we are graced with the presence of Dani Lynn Robison.   Speaker 4 (00:11:15) - Hello, Keith. I'm so happy to be here.   Speaker 1 (00:11:18) - So good to see you again. I've got to congratulate you on your success. You've got 62 team members. They're now in your vertically integrated companies. And by the way, that's a term vertically integrated that might throw some listeners off. I'm going to come back and explain just what that term means. They've done over 1500 deals now.   Speaker 1 (00:11:35) - They've acquired 600 plus units since 2020, and they've raised more than $20 million through podcasts and word of mouth. And they now have a portfolio valued at $32 million. Plus, they've been in real estate since 2008. And they'll tell you that they have a perfect track record of always returning investor capital, including to me, I'm one of their investors and paying 100% of the returns as promised, even if they themselves lost money on a deal. We'll talk about what losing money on a deal looks like in a moment. And in fact, you, the listener, you've probably heard me talk about how I personally participate for a high yield return with them myself, with Danny Lin's company backing me near the middle of Gary. Episodes like this right here. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%.   Speaker 1 (00:12:38) - Well with having. Listen to that. Danny, I want to ask you about your master note program shortly. But first, since this is get rich education, emphasizing the education part here, I think the term vertically integrated, that might throw some people off. It sounds like a mouthful. And. And what is that, Danny Lynn seven syllables. But it is a term that you, the listener, you see that and hear that across the entire business world, vertically integrated. That's a term for a business strategy where a company takes ownership of two or more stages of its supply chain. So, for example, a vertically integrated automaker, they might produce automobile components and vehicles and also sell directly to customers. All right. That's ownership of multiple stages of a supply chain. So to me it comes down to vertically integrated. It means that you now have more control. So Danny tell me about how that vertical integration applies to your seven real estate companies.   Speaker 4 (00:13:41) - You nailed it. As far as the definition and really why we created all of the companies when we first initially created our turnkey real estate company, we hadn't had the intention of bringing everything in-house.   Speaker 4 (00:13:54) - But as we outsource different pieces of the renovation or the property management, we found that the lack of control that we had was hurting us and hurting our investors. And so one by one, we would bring in a company. So first was renovations. Because of all the contractor nightmares that many fix and flippers have experienced themselves. We had them too, and in spades because we were doing volume. So we brought that in-house first so that we can control the subcontractors and the project management and the scopes of work and how we paid our contractors. The next thing we brought in house was property management. And then we had a brokerage so that we could just list our properties on the MLS internally and keep that in house as well, since we had to have a broker anyway. And then acquisitions got brought in-house because the wholesalers were buying all of our deals from went dry with deals and we're like, hey, we need deals. And so we brought the marketing in-house and started doing acquisitions. And then I've told this story of drugs, thugs and bugs many times about our 56 unit apartment complex.   Speaker 4 (00:14:54) - That led to company number six, which is our funding syndication company. That was a really great company because it allowed our private money lenders to be able to start putting their money to use 24 over seven instead of going in and out of deals. And then company number seven is going to be a hard money lending company, because as we've raised all of this capital, we found that there's times we have excess capital and we don't want to say no to incoming investors. So we started using that to network with our mastermind groups and saying, hey, let us know if you've got a deal going on. We'll underwrite it. And if we feel like it's a good deal, we'll go ahead and lend on that deal for you. And it allowed us to keep putting that money to work for our investors. So it's been really fantastic. Help us as an internal company, helped our investors be able to earn more returns and helped other our entire network just do more things with us.   Speaker 1 (00:15:41) - That's a vertical integration. And like that it hadn't heard that before.   Speaker 1 (00:15:45) - Drugs, thugs and bugs can lead to an epiphany that creates a new company bringing more in-house. So you have to listen to the least you need to remember is vertical integration. That means control. And one of your company's vertically integrated into that, Danny, is something that can benefit the listener here, and that is your lending arm. Now, your most popular program for giving everyday investors high yield returns is your master note program. That's actually a common program in the private lending industry, but some might not know about it. So go ahead and talk to us about what your master node program is.   Speaker 4 (00:16:25) - So this was brought to us by an investor who was working with us and said, hey, I love your private money lending program. You know, I've researched you. He actually found us on Forbes and came to our office and visited and said, I would really love to lend, but I don't necessarily want to keep going in and out of deals. And so we worked with an attorney and said, hey, what can we do in order to keep an investor's money at work? And so he talked with us and we explored different ideas, and we kind of went back and forth between us and the investor and the attorney and ultimately created this program called the Master Note Program, which offers investors 10 to 12% returns.   Speaker 4 (00:17:03) - It offers them liquidity so they can get cash out at any year that they want. So they'll invest in every single year they have the opportunity to say, hey, I'm going to go ahead and give you 180 days notice to get my cash back. So the liquidity piece has been really, really powerful, especially for private money lenders, because they reason that private money lenders like that program is because they know that, that they're going to get their capital back in 12 months or less. And at that point in time, they're going to say, hey, do I want to invest again? Yes, okay, I do. Or hey, I could use this money for something else that I was waiting for. And in the meantime, it was earning interest while I was waiting to use it for this other avenue. So the master note program was really just meant to have flexibility and to be able to customize the program based on the investor's goals. So what we've done is created a five year auto renewing note.   Speaker 4 (00:17:55) - So that way these investors can say, hey Danny, I've got $100,000. I'd like to invest that with you. And at that $100,000 level, that is 12% interest. And so they put the money in, and they know that every single year it's either going to auto renew or they're going to say, hey, I'm ready for the money to come back to me. And it also allows us to give them compound interest. I would say over half of our investors are not investing with us for distributions or cash flow. They actually are investing with us because they trust us and they trust our track record, and they want their money to grow. And so they actually choose to compound instead of taking the distributions, which allows for faster growth.   Speaker 1 (00:18:39) - Your master note program 10 to 12% returns. I know it's just that 25 K minimum. So it's really available to investors. So okay. Unlike an all say five year certificate of deposit from a bank that might only pay you 5%. Plus you're illiquid for five years.   Speaker 1 (00:19:00) - With a conventional instrument like that, you can cash out your master note any year, or you can just keep rolling it over. You have the option.   Speaker 4 (00:19:09) - Exactly right. And so what's interesting is we all like liquidity. I know Philip and I like liquidity. It's nice that you got this peace of mind that you can access your capital if you choose to do so, but in reality, most of us leave the money exactly where it's at. We like to see the growth. We like to see, you know, the returns that we're getting. And we get excited and we're like, where else am I going to put this money? So I love having the ability to get it back. But I would say 95% of the people in our master program and even our funds, after they get to the period in which they committed to, whether that be a year or three years, just depends on the vehicle that they're using. They stay there like, I love this, this is fantastic. You can keep my money and just keep it growing.   Speaker 1 (00:19:51) - Real estate is largely thought of as an equity based investment. You're the listener, putting 20 to 25% down and borrowing the rest. That's great. We talk about the virtues of doing that all the time, but you are not very liquid when you do that. Here. We're getting on the opposite side rather than being on the equity side. You're on the debt side, you're making a loan and you have higher liquidity this way.   Speaker 4 (00:20:18) - Exactly right. And so with our master Note program, the way that we worked it out with the attorney is it's used for both deals and our business growth. So that's really important that I think that we talk about because the private money lending. Let me give an example. Private money lending. You are going to maybe loan a $70,000 and that's going to cover an acquisition and rehab of a property. But maybe you had $100,000 available. Now your $70,000 is backed by a lien on that property. And then once we're done with the rehab and once we resell the property, then we're going to give you all of your capital back, plus the interest that you were owed for the time that we borrowed your money.   Speaker 4 (00:20:57) - Now, this is where our private money lender said, Danny. Danny, will you keep my money? And if you're a private money lender, I have to say no, I can't. I have to give you back your money because you have to sign a release of mortgage. There's a lean on that property. You have to sign the release that you got your capital back, and then we can give you another deal. And that might take two weeks or two months. What the most master program provided for investors was allowing them to invest with us still being used on deals, but for our protection, if we didn't have a deal to put money into, then we can use it for the growth of the company. So right now we're actually partnering with another investor who is out of Columbus, and we are creating a home supply company of materials. We have this opportunity to buy materials at huge, huge, massive discounts. And so we're working on acquiring the office space that we're in, which has 20,000ft² of warehouse right next to us, and we're going to buy in bulk all of these materials.   Speaker 4 (00:21:54) - And not only is that reducing the cost of our business and our rehabs, but now we can help other investors in the local area save money. And we have created a revenue stream. As a result, the growth of all the companies has been a result of working with investors exactly like this. So now the investor gets to say, hey, Danny, I'm going to give you $100,000 and I'm going to invest it in this master note program. Now they got to use $30,000 or more of their capital, as opposed to the $70,000 example I use for private money lending, so they can put all the capital they want to use. And then me, if I have a $70,000 deal, that I'm still going to use it on that same deal, and it's owned by our company, and then that other $30,000, then I can use it for things like we're buying materials in bulk, and it's allowing us to save money on those rehabs. It's allowing us to create another revenue stream. So it allows us to have a little bit of flexibility, and it allows the investors to have a higher return, still have that liquidity piece and still have it backed by real estate and or our business.   Speaker 1 (00:22:59) - Well, what an explanation. And you know what's interesting, Danny Lee, and listening back to that is the realization that most bank depositors don't have any idea how that bank is investing their money. They don't know how their deposit is backed at all. But with an explanation like that, that's substantive, we really do hear. So it's really an interesting contrast. We discussed the details of your master note program, including where you can get up to a 12% return. Tell us about the other opportunities that you have besides your master Note program.   Speaker 4 (00:23:34) - Because of our vertical integration, we have many different things that we can offer. If you're a passive investor, we have turnkey real estate. We do have private money lending, the master node program. We have funds that also provide great returns. And one of them we're getting ready to launch in the next couple of weeks, is offering even more liquidity, allowing people to get in and out in 90 days. So for those who don't want to wait a full year, maybe they just want it.   Speaker 4 (00:23:59) - Hey, I just want to put my money to use and I want to have this access to it every 90 days. We're now allowing people to have that option, and that is really a reflection of our conversations with investors in seeing what they want based on today's market, today's economy, what they feel comfortable investing in. So that's some of the passive investor opportunities for our active investors. We don't typically serve them. But I thought, hey, you know what? We are buying all of these deals and we're getting all of these leads, some of the deals we don't want, maybe because we have enough and we don't want to buy another one because our rehab team is stretched and we don't want to have a house sitting for a couple of months for our rehab team to be able to get to it sometimes. There's other reasons. So now we are starting to wholesale properties to investors who are active, that are wanting to flip the properties themselves for a higher profit. And because we are vertically integrated, we said, hey, if you want to buy one of these wholesale properties that we're not buying ourselves, we have a renovations department, we have a property management department, we have a brokerage.   Speaker 4 (00:24:58) - So if you're an out-of-state investor, you've got an entire team you can leverage through us to be able to buy a property as is, get it renovated, and then either sell it on the market or hold it and have our property management company look after it. So we're just continually trying to expand what we can do in service of other investors.   Speaker 1 (00:25:18) - I love that we can let the term vertically integrated just roll off our tongue. Now that everyone knows that, it means having control of multiple portions of the supply chain of their business, a real estate business. In this case, again, we're talking with Danny Lynn. She is the co-founder and the CEO of Freedom Family Investments. You deal with investors on both the more active side and the passive side smartly. I know, Danny Lin, that you don't call turnkey real estate investing passive, even though it's mostly passive. It's not completely passive. You have both passive and active sides. You know what investors want. You know the pallet of items to offer them with what interests them.   Speaker 1 (00:26:00) - So with that in mind, tell us just a bit more on the landscape overall in just how you serve people. I know a lot of them. For example, they might wonder, do I need to be accredited or do I need to be non accredited? And tell us more about the minimum investments amounts kind of that bar to clear in order to participate with you, just like I am myself.   Speaker 4 (00:26:22) - For the minimum investments, it's $25,000. That's typical for turnkey properties. That's typical for our master node program, and then $50,000 for some of our funds, also our private money lending program. And then for the accredited versus non-accredited, we have both options. So there are rules as to when we can offer certain investment opportunities if you're non accredited. So things like private money lending, turnkey investing, master node program those are all opportunities for non accredited investors. And then for our accredited investors we have funds that are it's 506 C. It's a little bit technical but it's the way the SEC says hey you can talk about this.   Speaker 4 (00:27:01) - You can advertise it but you can only allow accredited investors inside. So as we work with our attorney we are like, okay, we don't want to serve just accredited investors. So how do we make sure that we're serving both at the same time? And so we've made sure to just really have a variety of offerings. And I talked to people a lot about what you said about active versus passive. I think that's a really, really important conversation because many people who are getting into the real estate game, they don't know whether they want to be active or passive, and so many of them end up being active first, only to realize they just created another job for themselves. And then they go, okay, I don't want to do this anymore. I actually want to live a quality life. I want to spend time traveling. I want to spend time with my spouse or my kids and just enjoy life. And I didn't mean to create another job, even though it is building wealth. And then they move to the passive side so that they can get mailbox money or have their money working for them while they sleep, or while you are traveling like you just got back from traveling.   Speaker 4 (00:28:05) - Keith and I loved watching your Facebook post, right? I love having that educational piece of really talking to somebody about what their goals are, what the quality of life is that they want, so they don't make a mistake of going active, only to feel like they lost some time because the active journey is difficult, like it's not been easy to build seven real estate companies, and we've got two more in the wings that we're getting ready to launch that we talked about even the the home supply company. It's not an easy road. You make a lot of mistakes, you lose a lot of money. And so when somebody has capital to invest in, their goal is to grow their wealth, build wealth, have a legacy, be able to retire and not worry about money. Going the active route may seem like I'm going to make more money because I'm going to get the big chunk of equity, but it ends up being something where they learn the hard lessons themselves and then usually waste a lot of time and energy and frustration, only to realize that they probably could have made equal, if not more on the passive side and not had all the stress.   Speaker 4 (00:29:06) - So I love really having that conversation with everybody. I love active and passive investors alike. It's just making sure that they truly know what journey they want to be on.   Speaker 1 (00:29:16) - In my mind, the term ROI return on investment is more active and a term that I've talked about wrote I return on time invested with that being considered that falls more on the passive side with you guys experience and understanding, you're surely quite cognizant of that. Why don't you talk to us about some of the other questions that you get from new investors, things that really they want to know about before going ahead and making a loan and participating in a lending opportunity with you.   Speaker 4 (00:29:49) - So the top three questions that we get is where do I start? Which path is right for me and who do I trust? And I actually talked to one of our investors who has grown his seed capital of $100,000 into $2.5 million with us over the course of four years that he's been investing. Every time he has capital, he's like, what opportunities do you have and where can I put my money? And again, we talk about compound.   Speaker 4 (00:30:14) - He has been compounding since day one with us and is really allowed his capital to grow extensively. I was interviewing him to tell his story about his journey with us and his experience. He actually said, you know, those questions are funny, Dannielynn. I would tell you that you should ask them in the opposite order. You should say, who do I trust? And then once you know who to trust, then ask, where do I start and which path is right for me? And I do agree that the trust question is the most critical piece of the puzzle, right? So many times I get on the phone and I talk to investors who have lost money working with somebody else, and so they've maybe heard me on your podcast or seen me somewhere else and heard me say over and over, private money lenders, our investors are our number one priority. I am never going to put myself in a position where they're not receiving their full capital back, receiving every single penny owed for the interest of the time that I was using their capital.   Speaker 4 (00:31:11) - And I'll allow myself to lose money to make sure that they get paid. And that's so important to me that I tell people very often they said, you want to work with people that will be transparent enough to say, this is my worst deal, this is what happened. And what you're going to get by asking that question is a revealing of their character. Yeah, who they are. How did they treat that situation? How was the investor treated in that situation and what happened? Did they tuck tail and run? Do they walk away, which many investors do? They get frustrated and they're like, oh my gosh, I lost all this money. What am I going to do? And they just they stop answering their phone. They stop answering emails. And then the investors are stuck with the house. I think the questions like that are really important. Looking at track records and just asking the hard stuff, understanding the true nature of a person. And then lastly, the which path is right for me is a question of really understanding that active and passive piece, and then understanding your goals when it comes to money, is it cash flow, is it growth? Is it tax benefits? Is it liquidity? What are the things diversification.   Speaker 4 (00:32:11) - There's so many goals you can have in investing. And if you don't know the questions to ask, then you might not be hitting the goals that you truly desire in life.   Speaker 1 (00:32:21) - We learned about a really good investor outcome there. How about a bad outcome or a worst deal? And then how did you cover that to make sure the investor is made whole?   Speaker 4 (00:32:33) - Our worst deal is a duplex in Dayton. And what happened was one of the reasons we brought our renovations company in-house, because we had a project manager, we had a runner, and one of the processes that we have is when the contractors are rehabbing a property, then the runner will go to the properties and just double check that what their invoice is saying, that they actually did the work and then we will pay them. So the project manager is trusting the runner. The runner is saying he went to the houses and we're paying this contractor. And it turns out one of the contractors had not done anything. The pictures that they were submitting to us was from another property they were rehabbing, so it looked like he was doing the work.   Speaker 4 (00:33:12) - The runner? Yep. The runner was relying on those pictures as his proof instead of actually going to the property and physically seeing the work being done. And we were paying them as a result of this hierarchy of process that we had. So we ended up having a property where none of it got rehabbed, and we paid the full amount of rehab to that contractor. So we had to pay for the rehab twice. So in this situation, we lost over $50,000. Our investor didn't even know what happened. And I say that not because we weren't being transparent, it's because we were going to do exactly what we said we were going to do. They were going to get all of their capital back, and they were going to get every single penny of interest owed. We ended up asking them at the end of 12 months, do you mind extending on this loan? We're still working on it. It's okay if you don't want to. We will still get you paid back, plus all interest, and we'll replace your loan with another private money lender.   Speaker 4 (00:34:06) - They said no, it's no problem. Absolutely. You can extend. So by the time it was all done we actually had the house fully rehabbed. We had lost a lot of capital. The reason that we can cover situations like that and make sure that we're honoring our word to our investors is because we do volume. When you do volume, I tell people, this is what I say. If you've been in real estate long enough, you understand you're going to lose money. You're understand that you're going to pull back walls and find things that you did not anticipate. So doing volume was our way of mitigating that risk. If we're doing ten deals a month and two of them go bad, well, we've got eight others that are covering the two that went bad. And so it's a numbers game for us knowing that we're going to find some duds, we're going to make some mistakes. And that's okay because we're playing the volume game.   Speaker 1 (00:34:53) - Ah, that harrowing story about the contractor and the rudder that comes back to the old Ronald Reagan trust, but verify they're right.   Speaker 1 (00:35:01) - So. Right. Well, thanks for sharing a more difficult story with us like that. Well, Danny, as we're winding down here, you do a lot of things there at Freedom Family Investments because you have this big holistic picture. Since you are vertically integrated company, and that's given you the experience and the wisdom. Do a lot of things. I know you have a book published and you're speaking at events around the theme get real. I own your book. Get Real. Can you quickly tell us more about it?   Speaker 4 (00:35:28) - So our very first book was Get Real, understand Real Estate Investing before it's too late. And it was just our first book. And it's going to be a series of Get Real Books was our first book to really introduce people that were new to real estate. What is it? Why do we love it? Why do we have such a passion for building real estate businesses and love that we can not only grow wealth for ourselves, but we can help other investors do the same? And then the get real part of it.   Speaker 4 (00:35:52) - The reason that we love this is actually one of my marketing team members, actually, you know him, Matthew. He's the one that came up with a Get Real brand. And it's really become something that people say, hey, Flip and Dani, you guys are so down to earth, like, I feel like I can talk to you about anything and you're so transparent. You tell us the ups and the downs and the crazy roller coaster rides, and there's so many people that are on social media or on podcast that will just tell you the rosy rainbows and sunshine stories, you know, as if nothing goes wrong. And I think reality is, is people want to work with people that are just more authentic, that are willing to share, hey, I'm human, I'm not perfect. We're going to make mistakes, but watch how we correct those mistakes, watch how we act during those situations. I think if you can do that, you actually gain more trust. And that's something that surprises a lot of the masterminds that I'm in.   Speaker 4 (00:36:43) - When I say they say, how do you have so many investors? How do you raise so much capital? I'm just like, I'm just authentic and transparent about everything that we do. And that garners a lot of trust in the people, because not a lot of people are willing to talk about their failures. That $50,000 loss on a duplex. And I don't know why, but it builds trust instead of loses it. And their jaw drops to the ground going, oh my goodness, I can talk about my failures. And I'm like, yes, start. People want to know that you're real. So I think that that get real concept is important. So we're going to keep on building creating some more books. We have investors that are giving us ideas of, hey, write a book about this. So we're going to keep on releasing them. And we're also speaking in events nationwide and just really just getting down to earth for people and letting them know, hey, stop telling yourself your can't. Anybody can build wealth.   Speaker 4 (00:37:32) - If you run a great podcast, you have so many loyal listeners and we love talking to them, and you have helped educate people for years and years and years, and we just need more people out there doing that.   Speaker 1 (00:37:45) - Well, thanks. The name of the platform and book is Get Real, Danny. Dannielynn, in closing, why don't you let our audience know about the best way to reach out to you and learn more about your private lending programs, including your Master Note program? Because for you, the listener, if this sounds interesting, here you go. Mean this is where I tie up a lot of my liquid funds for a high return. Let our audience know how they can learn more.   Speaker 4 (00:38:11) - All you have to do is text family to 6686, six.   Speaker 1 (00:38:17) - Dani Lynn, it's been valuable. As always. Thanks so much for coming back onto the show.   Speaker 4 (00:38:21) - Thank you so much, Keith. It's an honor.   Speaker 1 (00:38:29) - Yeah, good stuff from Dani Lynn Robison of Freedom Family Investments. Today, let's review what we've learned.   Speaker 1 (00:38:36) - Demand deposit accounts, which include things like checking accounts, savings accounts and money market accounts. They allow you to withdraw money from the account whenever you want, whereas time deposit accounts like CDs require you to deposit your money for a specific length of time. Vertical integration that's a term for a business strategy, where a company takes ownership of multiple stages of its supply chain and the term financial runway. That is, the amount of time you can maintain your lifestyle without the need for a paycheck. As you know, I often like to leave you with something actionable. Their Master Note program offers 10 to 12% returns, some liquidity, and just a 25 K minimum. And another way to think about it is that, in fact, then that is a 10 to 12% cash on cash return. And if you're interested in being more nimble than that, there are other lending programs where you can get a strong return with just 90 day liquidity. And to get started on any of them, or simply learn more. Text family to 66866.   Speaker 1 (00:39:45) - Until next week where we've got a great show for you. I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:39:55) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:40:23) - The preceding program was brought to you by your home for wealth building. Get Rich Education.com.