Podcasts about wealth building

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

What if building wealth was exactly like building a house? In this episode of The How To Show, Gino Barbaro breaks down the five stages of building a financial house and explains why most people fail to create lasting wealth. Many people jump straight into investing, crypto, real estate, or business opportunities without first building a strong financial foundation. The result? Their financial house eventually crumbles. Using a simple yet powerful framework, Gino explains how true wealth is created through a step-by-step process that prioritizes stability, education, protection, cash flow, and legacy. Whether you're just beginning your financial journey or looking to strengthen your existing strategy, this episode provides a roadmap for building wealth that lasts. What You'll Learn • The difference between being rich and being wealthy • Why financial foundations matter more than investments • How to build financial stability before taking risks • The role of cash flow, investing, and asset protection • How to create long-term and generational wealth • The 5 stages of building a financial house Timestamps 00:00 Introduction: Rich vs Wealthy 01:30 Why Most People Build Wealth Wrong 04:20 Stage 1: Financial Foundation 10:05 Stage 2: Building Your Financial Framework 16:15 Stage 3: Protecting Your Wealth 19:20 Stage 4: Creating Cash Flow & Assets 26:50 The Maserati Mike Story 30:15 Stage 5: Legacy & Estate Planning 35:00 Financial House Assessment Exercise 39:15 Identify Your Weakest Wealth Stage 41:30 Wealth Building Action Steps 44:15 How to Build Generational Wealth 46:00 Final Takeaways & Closing Thoughts What to lear more about multifamily? Go to: https://wheelbarrowprofits.com/ We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy! Check out the full episode: https://greatness.lnk.to/1936DM A Goldman Sachs study found that 40% of people earning over $500,000 are living paycheck to paycheck. That's not an income problem. It's a mindset problem. George Kamel breaks it down as lifestyle creep. The bigger paycheck funds a bigger car payment, a bigger house, a bigger performance of wealth. If every dollar is spent to look rich, you'll never become wealthy. The root cause? Insecurity. The more secure you are, the better you build. The less secure, the more you flex. And if you're eyeing a "can't miss" investment right now, George says the motivation is almost always fear, greed, or pride. He calls them the Three Stooges of wealth building. They feel urgent. They feel smart. They will wipe you out. Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Topics personal finance, wealth building, paycheck to paycheck, lifestyle creep, delayed gratification, financial mindset, money psychology, get-rich-quick, George Kamel, financial freedom Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

An episode where I riff on: a question that might change the way you see your growth: what if you are already moving into your next level?  We assume we need to feel less fear, doubt, and no limiting beliefs before we can become the woman we know we're here to be. But what if that's not actually the truth?--Amy's Previous Podcast Interviews PlaylistBinge insightful conversations with lovely podcast hosts.Join the Insights email listReceive weekly updates & insights straight to your inbox.--RESOURCES & LINKS:Unapologetic Abundance: The Release ExperienceFREE 3-day private podcast to shift shame, alter timing and challenge the 'ideal state' when it comes to your experience with money in your life.BREAK UP WITH BROKE: amyvanmeijl.com/breakupwithbrokeThe audio journey designed to release worry, reframe debt and recalibrate your thinking to welcome in expansion and wealth into your life.--The Peri-Person's Guide To Manifestation: amyvanmeijl.com/theperiguideIf you're an ovary-bearing human about to (or already in) the menopause transition (hello perimenopause) & struggling with your go-to manifestation practices, this one's for you.  Grab the guide today.--WORK WITH ME 1:1:60 Mins 1:1: amyvanmeijl.com/coaching3 month Next Level Intensive Mentorship: amyvanmeijl.com/nextlevel> Want to book a quick chat to see if we'd be a fit?  Click the link on the Next Level booking page.Executive Leadership Mastermind: amyvanmeijl.com/executive--GO DEEPER:Freebies, coaching & money programs: amyvanmeijl.com -- SUBMIT A QUESTION: Submit a question to the podcast: amyvanmeijl.com/podcastquestions -- SOCIALS & SHARE A REVIEW: 

In this episode of Moolala: Money Made Simple, host Bruce Sellery tackles four pressing personal finance topics for Canadians. Certified financial planner Jason Heath breaks down the tax implications of cryptocurrency, including capital gains and losses, the risks of business income classification, and the importance of proper CRA reporting. Zainab Williams, founder of Fund Evolve, introduces her Influencer Safety Score, an AI-powered tool that helps Canadians evaluate the credibility and personal suitability of financial advice found on TikTok, Instagram, and beyond. Senior Desjardins economist Kari Norman explores the rise of the permanent renter in Canada, examining affordability data, wealth-building trade-offs, and why cities like Toronto and Vancouver are pushing more people to rent for the long term. Finally, Alex Mazer, co-founder and CEO of Commonwealth, makes the case for a Small Employer Retirement Plan Tax Credit which is a policy proposal designed to help the nearly 10 million Canadians who currently have no access to a workplace retirement plan. To find out more about the guests check out: Jason Heath: objectivefinancialpartners.com | X | Facebook | Instagram Zainab Williams: fundevolve.com | Instagram Kari Norman: LinkedIn (Kari) | LinkedIn | Instagram | Facebook | Economics Study | Economics Study Registration Alex Mazer: commonwealthretirement.com | LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Looking to escape the 9-to-5 grind and build true wealth? In this episode of the Jake & Gino Podcast, we sit down with Jens Nielsen, who immigrated from Denmark in 1996 and successfully transitioned from a 25+ year IT career to full-time real estate investing and high-performance coaching. Today, Jens is a direct owner or General Partner in over 2,000+ apartment units and 100,000+ square feet of industrial assets valued at over $250M. Discover how Jens started with a single $117,000 fourplex in Albuquerque, ran out of his own money, and used creative financing, joint ventures, and syndication to scale a massive commercial real estate portfolio. He also breaks down his recent pivot into industrial real estate, explaining the massive benefits of Triple Net (NNN) leases and small-bay flex spaces. As a Certified High Performance Coach, Jens also dives deep into the 5 pillars of success (Clarity, Energy, Courage, Productivity, and Influence) and shares how a near-fatal mountain bike crash completely shifted his perspective on taking immediate action in life. If you want to decouple your time from your income, master your entrepreneurial mindset, and learn how to navigate today's shifting real estate market, this episode is a must-watch!

What if financial success has less to do with math and more to do with psychology? In this episode of Everything Is Personal, Len May sits down with Doug Lynam, whose life journey is anything but conventional. After serving in the Marines, Doug spent years as a Benedictine monk before becoming a successful financial advisor and author. Along the way, he discovered that our relationship with money is often driven by emotions, beliefs, and experiences we rarely recognize. Doug explains why financial decisions are rarely logical, how childhood experiences shape our money habits, and why many people unknowingly sabotage their own financial success. He explores the connection between wealth, identity, fear, purpose, and personal growth, offering a fresh perspective on what it truly means to build financial security. Whether you're an entrepreneur, investor, business owner, or simply trying to make better financial decisions, this conversation will challenge what you think you know about money. In this episode:

We'd love to hear from you. What are your thoughts and questions?Bob Fraser, CFO and Chief Macro Strategist of Aspen Funds, a private fund sponsor with a 12 year track record, distributing over $85M to investors, and over $700M in AUM across private credit, commercial real estate, distressed debt, and energy, shares insights on how the ultra wealthy build and protect wealth through strategic structuring, private investments, and risk management, emphasizing the limitations of public markets and the advantages of private alternatives.Main Points: Volatility drag and its impact on long-term compoundingLimitations of diversification in public marketsAdvantages of private alternatives for risk reductionHow billionaires think differently about volatility and riskOperator due diligence and risk mitigation in private marketsThe democratization of private market investing post-2012Practical steps for high-income professionals to access private investmentsConnect with Bob Fraser:bob@aspenfunds.ushttps://www.linkedin.com/in/bobfraser10/https://www.instagram.com/ritteronrealestate/https://www.youtube.com/@investlikeabillionairepodcast

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3584: Jesse Cramer explores how small life decisions can radically shape our future, drawing a surprising connection between Robert Frost's The Road Not Taken and the pursuit of financial independence. Rather than glorifying the FIRE movement, he challenges listeners to consider whether they're building a life they truly enjoy today, or simply trying to escape one they don't. Read along with the original article(s) here: https://bestinterest.blog/two-roads-to-financial-independence/ Quotes to ponder: "FIRE is a road less traveled. But it's not always a better road." "Rather than running towards early retirement, I was using FIRE to run away from an unfulfilling job." "Small changes in input can cause massive shifts in output." Episode references: The Road Not Taken by Robert Frost: https://www.poetryfoundation.org/poems/44272/the-road-not-taken Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Loral Langemeier answers questions from business owners, investors, and entrepreneurs looking for a stronger wealth building strategy to lower taxes, increase cash flow, and build long-term financial freedom.She explains why entity structure, cost segregation, tax credits, and corporate planning are critical pieces of a successful wealth building strategy.So if you want a wealth building strategy focused on lower taxes, higher income, and bigger opportunities, this episode offers practical examples of how successful entrepreneurs think differently.Loral's Takeaways:Tax Liability Reduction Strategies (00:06)Mentoring and Business Growth (01:32)Entrepreneurial Advice for Physical Therapists (02:52)Wealth Building and Financial Strategy (05:26)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.Links and Resources:Ask Loral App: https://apple.co/3eIgGcXLoral on Facebook: https://www.facebook.com/askloral/Loral on YouTube: https://www.youtube.com/user/lorallive/videosLoral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/Money Rules: https://integratedwealthsystems.com/money-rules/Millionaire Maker Store: https://millionairemakerstore.com/Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/Integrated Wealth Systems: https://integratedwealthsystems.com/Affiliate Sign-Up: https://integratedwealthsystems.com/affiliatesThanks for listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have some feedback or questions about this episode? Leave a comment in the section below!Subscribe to the podcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on iTunes or Stitcher. You can also subscribe from the podcast app on your mobile device.Leave us an iTunes reviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on iTunes, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on iTunes.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3584: Jesse Cramer explores how small life decisions can radically shape our future, drawing a surprising connection between Robert Frost's The Road Not Taken and the pursuit of financial independence. Rather than glorifying the FIRE movement, he challenges listeners to consider whether they're building a life they truly enjoy today, or simply trying to escape one they don't. Read along with the original article(s) here: https://bestinterest.blog/two-roads-to-financial-independence/ Quotes to ponder: "FIRE is a road less traveled. But it's not always a better road." "Rather than running towards early retirement, I was using FIRE to run away from an unfulfilling job." "Small changes in input can cause massive shifts in output." Episode references: The Road Not Taken by Robert Frost: https://www.poetryfoundation.org/poems/44272/the-road-not-taken Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3584: Jesse Cramer explores how small life decisions can radically shape our future, drawing a surprising connection between Robert Frost's The Road Not Taken and the pursuit of financial independence. Rather than glorifying the FIRE movement, he challenges listeners to consider whether they're building a life they truly enjoy today, or simply trying to escape one they don't. Read along with the original article(s) here: https://bestinterest.blog/two-roads-to-financial-independence/ Quotes to ponder: "FIRE is a road less traveled. But it's not always a better road." "Rather than running towards early retirement, I was using FIRE to run away from an unfulfilling job." "Small changes in input can cause massive shifts in output." Episode references: The Road Not Taken by Robert Frost: https://www.poetryfoundation.org/poems/44272/the-road-not-taken Learn more about your ad choices. Visit megaphone.fm/adchoices

How will AI change the future of real estate investing? In this episode of Real Estate Breakthrough, Christina Suter sits down with Edward Rushing of White Feather AI and Joey Romero of The Norris Group to discuss how AI is transforming investing, lead generation, market analysis, and business operations.

Mathew Owens is a CPA, real estate investor, and founder of OCG Capital. He shares with us the strategies behind building a real estate empire that spans more than 1,500 units, over 1,000 home flips, and more than $500 million in loans to investors. Matt has also raised over $200 million in private capital, giving him a unique perspective on what separates successful investors from those who struggle to scale. We dive into his disciplined approach to investing, including the 200-point due diligence checklist he uses to evaluate opportunities and minimize risk before committing capital. Matt shares lessons learned from decades of experience as both an active operator and passive investor, offering practical insights on finding quality deals, raising private money, building passive income, and creating long-term wealth through real estate. This episode is packed with actionable advice from someone who has successfully navigated nearly every corner of the real estate investing world.SUBSCRIBE IF YOU'RE LOOKING TO BUILD WEALTH THROUGH OPPORTUNITIES IN THE REAL ESTATE INDUSTRY ✅ http://relfreedom.tv  GET STARTED INVESTING TODAY AND ACCESS OUR DEAL LIST! 

What if the blueprint for building wealth hasn't changed in over 5,000 years? In this episode, Gino Barbaro breaks down the timeless principles from one of the most influential personal finance books ever written: The Richest Man in Babylon. While most people believe wealth creation is complicated, involving stock picking, market timing, economic cycles, and advanced investing strategies, the truth is much simpler. The foundation of wealth starts with habits. In this episode, Gino walks through the famous "Seven Cures for a Lean Purse" and explains how they apply to modern investing, entrepreneurship, real estate, financial planning, retirement, and creating long-term generational wealth. Whether you're just beginning your financial journey or looking to strengthen your wealth-building foundation, this episode provides timeless principles that still work today. Timestamps 00:00 – The Wealth Blueprint That Has Worked for 5,000 Years 01:28 – The First Cure: Pay Yourself First 05:54 – The Second Cure: Control Your Spending 07:40 – The Third Cure: Make Your Money Multiply 10:33 – The Fourth Cure: Protect Your Wealth 12:23 – The Fifth Cure: Make Your Home a Profitable Investment 16:06 – The Sixth Cure: Ensure Future Income 17:40 – The Seventh Cure: Increase Your Ability to Earn 19:17 – Practical Wealth-Building Exercises 20:00 – Create a Budget and Track Your Spending 22:30 – Finding the Right Investment Vehicle 24:12 – Avoiding Lifestyle Inflation 26:10 – Open Your First Investment Account 28:00 – Why Financial Education Matters 29:05 – The Importance of Tracking Net Worth 30:05 – Final Thoughts on The Richest Man in Babylon This episode is brought to you by Wheelbarrow Profits. Want to learn how successful investors create passive income, build financial freedom, and scale their wealth through multifamily real estate? Visit Wheelbarrow Profits to access educational resources, training, coaching, and tools designed to help investors take control of their financial future. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Key Topics Covered: 1. Defining True Wealth Wealth is about creating predictable income and financial security. The goal is freedom, experiences, and a low-stress lifestyle. 2. From Corporate Career to Property Entrepreneur Transitioning from employment to financial independence through property. Recognising when a traditional career path no longer aligns with personal goals. 3. The Impact of Rich Dad Poor Dad How financial education can change perspectives on wealth building. The importance of developing an investor mindset. 4. Learning Through Failure Early mistakes in serviced accommodation created valuable lessons. Setbacks can become turning points for future success. 5. The Demand-Led Investment Approach Find the demand before choosing the property. Reverse-engineering investments around proven market needs. 6. Understanding Serviced Accommodation The opportunities and risks of short-term rental strategies. Why demand is critical for long-term profitability. 7. Building Multiple Income Streams Combining trading, investment, and coaching businesses. Creating diversified sources of recurring income. 8. Wealth, Family, and Lifestyle Using wealth as a tool to create time, experiences, and flexibility. Balancing financial success with family, health, and personal fulfilment. Actionable Takeaways Focus on building assets that generate predictable, recurring income rather than chasing quick wins. Identify genuine market demand before investing in a property or launching a new venture. Treat mistakes as learning opportunities and use them to improve future decision-making. Invest in your financial education to develop a stronger wealth-building mindset. Build multiple income streams to reduce risk and increase financial resilience. Align your wealth-building activities with your personal values, family goals, and desired lifestyle. Review your current investments and ask whether they are driven by demand or by assumptions. Prioritise long-term consistency over short-term excitement when creating wealth. Resources & Next Steps WealthBuilders Membership: Free access to guides, webinars, and community Download our FREE Pensions and Inheritance Tax Guide Devenir Plus - Become more in every area of your life Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Keith welcomes back Rich Dad author Robert Kiyosaki to discuss why debt, inflation, and financial education are critical in today's economy.  Robert challenges traditional advice like "save money and pay off your house," explaining how understanding good debt and owning real assets can accelerate wealth while inflation quietly punishes savers.  They explore how family background and early beliefs shape our money mindset, and why questioning conventional wisdom is essential.  The conversation ultimately stresses that financial education only matters if you take action and intentionally position yourself for turbulent times instead of fearing them. Episode Page: GetRichEducation.com/608 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. This week, the number one selling personal finance author of all time, Robert Kiyosaki of Rich Dad Poor Dad, returns to the show, revealing that he's in debt to the tune of $1.2 billion with a B. Why he believes a depression is coming, and he strongly espouses financial education today on Get Rich Education,    Keith Weinhold  0:29   you know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spots Fill    Keith Weinhold  1:41   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre That's F L O C K homes.com/gre   Corey Coates  2:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:30   Welcome to GRE from Williamsport, Pennsylvania, to Williams, Arizona, and across 188 nations worldwide. You're inside one of America's longest running and most listened to real estate shows, this is Get Rich Education. I'm your host, Keith Weinhold. And with Father's Day this month, it's apropos to talk about Rich Dad. It's been said that the objective of parenting is to turn a liability into an asset. The book Rich Dad Poor Dad has now sold over 40 million copies, and it's been translated into 51 languages. One strong thesis in the book: well, there are a few of them: the rich don't work for money, savers are losers, and your house is not an asset. I think any regular listener here to the GRE podcast is already initiated on this. Savers or losers, because inflation debases your prosperity, and your house is not an asset, because it takes money out of your pocket every month. An asset puts money in your pocket every month instead. And I can see Robert now as he's preparing to take the mic with me here, he's got a blown up visual of his cash flow board game behind him, and then in front of him he's got a few books, including two books that he co-authored with Donald Trump, but this is before Trump was ever a political candidate, so it was before all that, and we're certainly not here to talk politics today. A central theme of the Rich Dad world is that the path for your significant financial betterment is rather than cutting your expenses, increase your income. This is the root action behind the mantra: don't live below your means, grow your means, but see, living below your means is easier. That's the easy thing to do. It's even myopic, say move into a lesser housing situation, or cut out going on vacations. Growing your means takes some education, like how to start a business, or how to own real estate. See, when you deposit money into a bank, all of a sudden that bank has a problem, they owe you interest on it, it's an expense for them. So the bank's job is now to lend your money out to somebody else and make a higher interest rate on it than. Lower interest rate that they're paying you on your deposit. All right. Well, then one direction to focus your education is to start acting like a bank yourself. How do you practically do that? How do you be the bank? Well, just like the bank, you can borrow real estate at a 7% mortgage rate. Now you've got the problem, you've got a monthly mortgage payment you need to make, so you need to beat 7% How are you going to do that? You better get it right. Well, with tax deductions, you might really be paying five to 6% Meanwhile, the real estate that you've carefully identified and invested in with your borrowed capital can earn multiples more without taking high risk, and actually that five to 6% effective cost of capital that you've got is zero, because that monthly payment is all outsourced to your tenants anyway, and what made all this possible for you? Debt made it possible, and now you're acting like the bank, and banks often have the tallest skyscrapers in your city for a reason, because they make money on those spreads all over the place, and now you're doing the same thing. This is an example of growing your means. The bank will hand you 500k to buy a new home or rental property, not for stocks. They won't do that for crypto, not for your 401k not for a business idea that popped into your head at 3am Only real estate, the same institutions, banks that manage your savings and study every asset class, and are very conservative, and have armies and armies of analysts. They will only lend you a half million dollars for one thing: real estate. For a few years, I was a writer for the Rich Dad Advisors blog when that was a thing. Robert and I were most recently together publicly last year when we both served as faculty members on the Terrific Real Estate Guys Investor Summit at Sea in the Caribbean. Let's talk to Robert.    Keith Weinhold  7:18   I'd like to welcome back to the show for his fifth appearance here on the GRE podcast. Well, just the number one selling personal finance author of all time. He wrote Rich Dad Poor Dad in 1997 and has ruled the Rich Dad world ever since. It's a warm get worse education. Welcome back to Robert Kiyosaki.   Robert Kiyosaki  7:38   Thank you, Keith. You know, nobody's more surprised about the success of Rich Dad Poor Dad than me, because it was turned down by every publisher in New York. It was like Simon and Schuster and all these guys, and they said, Why are you turning it down? They said, You don't know what you're talking about. It was consensus about the five editors of different book companies was what you're saying doesn't make sense, that's how strange it was back 1997 and now it's the number one in the world.   Keith Weinhold  8:10   This is often how it is when something strikes someone differently, like the Star Wars movies had difficulty getting traction because it was so unusual, and fortunately, Robert, today the consensus among readers has seen that, oh my gosh, Rich Dad Poor Dad changed my thinking more than anything else. The contrarian thinker,   Robert Kiyosaki  8:34   you know, strike Rich Dad, Poor Dad. My poor dad was academic, you know, PhD, yeah. So he'd be the kind of guy that says your book makes no sense, whereas my rich dad never went to school because his father died when he was 13 and he had to take over the family business. So much of a young person's life is predicated upon their parents or where the family or the culture you come from, and I've been studying more of that, like let's say I was raised in Alabama, I'd have a southern accent but because of the environment it presents it upon you, as the same as money, if a child is born into a poor family, or in my case an academic family, the value systems are all different. My family, and it's still true today. Got to go to school, get a job, and get a pension with the government. That's their whole belief system, and they're so proud of this. Is my brothers and uncles, and all that. They're so proud when their child has what's called a GS, and a government service pension, that's the whole idea on finance, get that pension, job security,   Keith Weinhold  9:49   yeah,   Speaker 1  9:49   nothing wrong with it, nothing wrong with it, but a lot of times we can't hear something because of what's been compressed into us by our culture, our. Family, so my, you know, my poor dad was always, you have to get your PhD, or what? God got a PhD. So my brothers and sisters, their kids are all getting their PhDs. It's fascinating. It's fascinating.   Keith Weinhold  10:14   Yeah, when your poor dad tells you you need to get your PhD, and you're asking for what? Maybe the answer was for him. So our parents, yes, they're often our first teachers.   Speaker 2  10:25   It's just values, very different values. And the more I kind of study it, I don't think I'm a good student of it, but there's this thing called a paradigm matrix, and a paradigm matrix is what is like a cookie cutter, so like father, like son, you know, like mother, like daughter, so much of our lives are transferred by our parents and our schools and things like this, and so that's why Rich Dad Poor Dad, for some people it works, but when it first came out, 1997 as you said, it was strange. I said, you know, the savers were losers, and today everybody knows inflation is going to the roof. I said, your house is not an asset. I got hammered for that one.   Keith Weinhold  11:11   Right.   Speaker 1  11:11   Rich don't work for money. Those are my three rich dad rules. Rich don't work for money, savers are losers, and your house is not an asset. I built Rich Dad Poor Dad around those three rules. I didn't follow my poor dad, those were his guiding lights. You know, you have to have job security, and you have to have a government pension, and my house is my biggest asset. And so you can't hear the person because you already have that paradigm magic, or that cookie cutter inside of you. This is my value system in my family. If I didn't get my PhD, I was stupid. I never got one. But anyway, you know,   Keith Weinhold  11:50   just because you believe something for a long time doesn't make it true,   Speaker 1  11:55   correct? And what's happening? Because I wrote Rich Dad Poor Dad, because I could see this economic times coming, 1971 named Nixon took the dollar off the gold standard, and I knew at that time we're going to have hyperinflation, so that it hasn't hit us quite yet. 1971 was august 15. Nixon's taking the dollar off the gold standard, and you watch what's going to happen next few years. We're going to have hyperinflation that we've never seen before, and it's gonna make the poor and middle class poorer. The rich will get richer, but poor and middle class will get poorer. Tragically,   Keith Weinhold  12:30   that is such an appropriate time to bring this up, Robert, because a lot of people are drawing parallels between the 1970s two waves of inflation during that decade, and what's going on today. I mean, there is so much fuel now that could ignite higher inflation. You've got the cumulative effects of the Iran war and the energy shocks and bottled up supply chains. And Robert, I don't know if you've heard it yet, but you and I's mutual friend, Dr. Chris Martinson, yeah, peak prosperity, there, Chris Martinson, he recently said that he would not be surprised to see 18 to 20% annual inflation in the next two to three years. That's exactly what he said.   Speaker 2  13:12   Yeah, but it's good for those who have assets, right? You see what, when things inflate, you know, like chickens and eggs and milk go up, but so do assets go up, most of them, like gold and silver, will go up, but the purchasing of the dollar will come down. Inflation is a tax, that's all it is.   Keith Weinhold  13:33   So much potential for inflation there, and a lot of this really ties in with debt, about how debtors can be enriched inflation. I think about the cantillion effect, meaning that in inflationary times those closest to the money printer win, and that usually tends to be governments, large banks, corporations with easy credit scores, but a lot of people don't realize that we can benefit from that too is everyday investors that use leverage prudent debt,   Speaker 1  14:05   right, and tell you, in effect, is basically what interest rate can you get, and how easy is money for you, and I use debt, I'm 1,000,000,002 in debt, and that scares the crap out of most people, but I use debt to get rich, and most people use debt to get poor, and again, that's family, what your education says. So, a lot has to do with early childhood development, and all that stuff. The more I study it, it really goes back to before a child was like 15. The cookie cutter has been cut.   Keith Weinhold  14:36   Yes, it goes back to not always having to believe everything that you think.   Speaker 2  14:40   We all have access to education. I have my cash flow game here. I teach people how to use debt, and Dave Ramsey says don't use debt. Well, he's a smart man too, Dave. I like him a lot, and most people should listen to Dave Ramsey, but if you're going to use debt, you'd better take some education, so. To go 1,000,000,002 in debt, man, you better know something. People aren't living paycheck to paycheck, they're living credit card to credit card now, and getting wiped out. I hate to laugh, but it's so obvious. You go, because they have no financial education, and that's why my book was turned down by all those academics in New York City, the publishers say, you don't know what you're talking about. How can I say your house is not an asset? How can I say savers are losers? How can I say the rich don't work for money? And that's what Don't Rich Dad Poor Dad on. And now it's been an international best seller, number one in the world for like 25 years.    Keith Weinhold  15:39   Yeah, well, it's so interesting that you bring up Dave Ramsey here, Robert. He often gets his followers to make a debt-free scream when they're debt free, and you know what I think, Robert, for those that scream that they're debt free, what they're doing is they're postponing screaming that they're job free or job optional, they could have been prudently leveraging dollars for profit, instead, like you and I do.   Speaker 2  16:06    Well, let me just say, Dave Ramsey's advice is good for most people. I'm saying, if you're going to learn to use debt, you know, if all you want is a job and a pension, you don't have to study that much. The biggest mistake I think ever made was at 401 k. It's going to wipe out boomer generation. It's going to.. that's the memos. I wrote this book. Here's who stole my pension, and that's when it's going to nail the boomers. They're finished, because their pensions are going to get stolen. They're four 1k IRAs. They're finished, but they do.. they listen. No, they go, they send their kids to school to get their MBA and get a, get a 401 k.   Keith Weinhold  16:46   Well, I kind of think when you have education around debt, you sort of understand this difference between productive debt and what I'll call ego debt. So, can you talk to us more about what kinds of debt make people rich today and what kinds of debt can quietly destroy them.   Speaker 2  17:02   Well, they should read Rich Dad Poor Dad. Really, I'm serious. That's all it is about, really, is I use debt to get rich, and Dave Ramsey's advice is good for those who don't want to study. So, if you're a PhD in microbiology, and you're a doctor, Dave Ramsey's advice is good for you, because you have no financial education, it's not between your right ear and your left ear. So, I had to study debt, that's the difference. It's what we study.   Keith Weinhold  17:29   And for those that are uninitiated on this, what we're talking about here is, if you've got, say, 200k to invest in real estate, and real estate's going to go up 5% a year. Okay, if you pay all cash, you only have a 5% gain on your 200k but if you get an 800k loan and now you invest in a million dollars worth of real estate, you have that entire million dollars going up 5% not just 200k and you have the tenants servicing the 800k in debt for you. This is really the path to wealth through debt, which is counterintuitive.   Speaker 1  18:02   You don't just get into debt. I mean, you really got to understand debt, and real estate doesn't always go up. It's about to crash again, and I like crashes. Don't get me wrong, I love crashes, because a crash in a stock market, bond market, real estate market is something going on sale, so like if Walmart had a sale, every poor person would run in there, but when the real estate market has a sale, all the poor people run away. I like crashes, that's when you get rich, one's coming big time, big time.   Keith Weinhold  18:33   Well, I want to learn more about that, because residential real estate in our lifetimes has only fallen significantly one time, that was in 2008 and circumstances are so different today. Today, you have responsible lending, and you don't have this oversupply that you had in 2008 So, tell us more about a potential real estate crash that's going to interest a lot of people.   Speaker 1  18:53   Well, real estate crashes, because the currency crashes. It's really the problem with the world today, and this is the whole world, is America is now what, the biggest debtor nation in world history.   Keith Weinhold  19:05   Yeah,   Speaker 1  19:05   39 trillion or something like that. And Japan is a bunch of idiots on Japanese, I can say that they save money. Why would you save money when Japan was the biggest money printer of all times? That'd be like somebody you know, sticking water in your gas tank. Why would you go and fill up with water? But that's what the Japanese were doing. They're saving money. It makes no sense. I mean, I just.. I'm just a different person, you know. I just didn't go to school like my family did. I mean, I have a college education and all that, but I studied different things after school. I studied debt, I studied real estate, and that's the big difference. So, I'm 1,000,000,002 in debt. So, in 2008 when the market crashed, you know, I borrowed 30 million bucks and leveled it up with 1,000,000,002 in debt.   Keith Weinhold  19:52   Good timing   Speaker 1  19:53   should not do what I do, but I studied it since 1974 It's debt that's not. Right now today we have oil going up. My college degree is in oil. I'm an oil tanker driver. I drove oil tankers with Standard Oil. I'm making fortunes today as the price of oil goes up, so you know, more Netanyahu and Trump bomb Iran, terrible as it is. I'm getting richer, so you don't have to be poor, but you're poor because that gap between your left ear and your right ear is empty, you know. You've been taught inflation's bad. Well, inflation is good if you're holding oil or gold or silver or some real estate. Anyway, most people have no financial education. That's why I created the cash flow board game, so you can have fun learning how to be rich. If you don't want to learn to be rich, then go to school and get your PhD.   Keith Weinhold  20:47   Sometimes, when people don't understand how real estate debt benefits them, one way I've helped people understand Robert is that, say, you have a loan balance of 112k on a piece of real estate today, that feels really small. It almost feels like something that you can pay off with what you have in your savings account, but if you go back 30 years, when the median home price is 140k 80% debt on that would have been 112k So here, 30 years later, with your 30 year fixed rate loan, you still just have that 112k in debt, while the median home price is over 400k and that's even if you hadn't made a principal payment at all, so it's really a way to visualize how inflation starts shrinking the real weight of our debt over time.   Speaker 1  21:31   My advice is I would study debt, so I take real estate courses, I'm always studying, I'm studying constantly, because the markets are changing so quickly. The biggest problem today started in 1971 when Nixon took the dollar off the gold standard. So, we're the biggest detonation in world history. I think we're going into a depression right now. So, depression plus AI coming along is going to wipe out jobs. I'm going to get richer. What are you going to do? So, I'm already planning for the future, the people that get rich can see the future. So, when you say, well, you know, back in 2008 it only crashed for a little while. Then, okay, so what? And history has proven in 1971 Nixon took the dollar off the gold standard. Every nation has collapsed. Who did that? The Chinese did it, the Romans did it, the Greeks did it, Germans did it. They print money, and so that's the real issue. It's not debt, but it's also the economic macro problems that keep going into the world. The dollar is coming down, and I'm afraid that we're going into a global depression. I hope I'm wrong, like Grant Cardone, and I have fights all the time about it, you know, because he's a big proponent of that. Real estate always goes up, it doesn't always go up,   Keith Weinhold  22:47   right?   Speaker 1  22:47   It doesn't always go up. The stock market doesn't always go up. The bond market's crashing. Everybody says, "Oh, bonds are safe. The bond market's in the biggest bubble in world history. We're going into a depression. So, what are you going to do about it? I'm afraid America is going to crash because we've taken on Iran, and Iran's a powerful, powerful force out there. I'm not in favor of it, but everybody who's messed with Iran has got kicked. So just note that as this look at history, you can see the future, but you have to be careful in the issue you follow. So, 1971 I was on an aircraft carrier in Vietnam, and my rich dad wrote me a letter. I was a marine helicopter pilot, went down three times. Rich Dad wrote me lessons. Nixon took the dollar off the gold standard, watch out, and immediately I started buying gold. So, I started buying gold at $50 an ounce to today is what, four or 5000   Keith Weinhold  23:43   Yeah,   Speaker 1  23:44   the trouble with gold is you pay high taxes on it, constant taxes too. Good luck to learn, Keith. I study constantly.   Keith Weinhold  23:52   You're listening to Get Rich Education. Our guest is Rich Ed Poor Dad author Robert Kiyosaki. I'm your host, Keith Weinhold.    Keith Weinhold  23:58   What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge, while it's on your mind. Start at Ridge lendinggroup.com that's Ridge lendinggroup.com    Keith Weinhold  24:29   Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 that's family 266866 This   Jim Rickards  25:31   is Author Jim Rickards. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  25:47   Welcome back to Get Rich Education. I'm your host, Keith Weinholt. We're talking with the top-selling personal finance author of all time, Robert Kiyosaki.   Speaker 1  25:55   Just study history. History will see this, you'll see the future. So, this is my good friend here, McDonald. You know why he wants you to get rich, and it's this one man, one message.   Keith Weinhold  26:06   Robert's holding up a book now.   Speaker 1  26:08   You've got to get educated on money, but most people won't, so they got a 401 k, and they live debt free. Good advice. Will it protect them? No, it won't protect them from a, you know, if you lose your job, AI takes it away, or is a massive crash, but we've never been in this much debt before to you. Black generation is screwed, boomers and boomers are screwed, because we're the first generation with a four 1k that was 1974 1974 also Kissinger went to Saudi Arabia to sign the dollar up back by oil, and today my buddy here, Trump is bombing the crap out of Iran. I'm not saying it's good or bad, but the price of oil is going through the roof now. Everybody's complaining about it because of inflation, so chicken and eggs go up in price, you know. Diesel delivers chicken and eggs all over the world. I'm getting richer because I own oil wells, you see. You don't have to be poor, but you better question what they put between your left ear and your right ear. What did Mommy and Daddy tell you? Go to school, get a job, get a job with a government service. My daughter's a GS, she's got a master's from Washington State University losers,   Keith Weinhold  27:24   this untethering of the dollar from gold in 1971 that meant that there is no sovereign currency in the world today that's still tied to gold, allowing for more money printing and enriching over time debtors like you and I, but Robert, we think about how debtors are profiting, and you spoke earlier about how oftentimes your parents put all of these values inside you. How do you emotionally tolerate having a lot of debt yourself? You talked about having $1.2 billion in debt. How do you emotionally deal with that?   Speaker 1  28:00   I study, I take courses. I'm constantly in seminars studying debt. I don't study a 401 ks or bonds, that's for losers. But this is the biggest point, Keith. You got to find out. My rich had always said to me, says there's a billion ways to financial heaven. So, there's what, 8 billion people on planet earth, and 1 billion of the eight may make it to financial heaven, but there's 7 billion to financial hell, and the difference is what's between your left ear and your right ear, and that's why you may choose what you learn carefully, cash flow game, study it, have fun, practice, play, learn, but if you don't want to learn, then follow Dave Ramsey's advice. That's much better. It's better for you, really. I'm serious. And get your PhD and get a 401 k and get wiped out when you lose your job. It's up to you.   Keith Weinhold  28:54   Yeah, I mean, the debt-free mindset probably is better for most people, but I think you shouldn't aspire to want to be like most people. Most people are overweight, and they have a busted relationship, and they don't have enough money at the end of the month. So we're really not aspiring to be mediocre here, and that can mean taking on prudent debt. You wrote something in a book one time, I don't think it was Rich Dad Poor Dad, it was one of your later books. This is so simple, but I found it to be so profound and life-changing for me. And that is simply being wealthy is a choice   Speaker 1  29:28   that doesn't, what you want, it's your choice, but you better know what your choices are. What did Mommy and Daddy say to you? But also, were they doing in front of you?   Keith Weinhold  29:39   Right,   Speaker 1  29:40   were they cleaning for job security or were they buying coil wells? Like, I own Bitcoin, but they'll recommend it now. I study it. I don't really understand it that well. I have 5049 Bitcoin, not much, but as inflation goes up, my Bitcoin goes up. Also, have in theory. I'm old. I don't understand tech that well, but I buy it to learn it, to practice, to study it. Am I an expert at Bitcoin? No. So I just keep studying, that's all I'm saying. I have a choice how to put between this year and that year. That's your choice today.   Keith Weinhold  30:18   Well, that's really interesting, Robert, because some people say that you should only invest in something that you understand well, others say that you're only going to understand something well if you invest a little in it first and have a stake. Well, is there any last thought that you have, Robert, as we wind up, anything at all that a listener should know today?   Speaker 1  30:39   No, I mean, I just said it, that's it. Choose what you put between your left brain and right ear, and what do you do? What do you do in your spare time? Like studying, you can ask the people around me. I'm constantly studying, you know, because I like to win. I'm very concerned, Keith. We're going into the biggest depression in history. So, what happens when you lose your job and you can't put food on the table, that's gonna create another problem. So, I'm a big pessimist, but I'm ready for it. I have a lot of guns, so the, I call it the 5g's Okay, you have to have gold, food, I mean ground, gasoline, and guns, that's preparing for the future, the 5g will be gold, gas, ground, food, guns.   Keith Weinhold  31:27   Well, Robert, you gave us a lot to think about there, including some actionable things. It's been great having you back on the show.   Speaker 1  31:32   Okay. Well, thank you. Keep up the good work.   Keith Weinhold  31:40   I believe Robert feels that a calming economic depression would be linked to the longer term calamity about the dollar being de-pegged from gold for about 55 years now. His 1.2 billion in debt is largely, if not completely, good debt. You can learn more about Robert and the Rich Dad world@richdad.com and he and I talked more off air. As much as he stresses financial education, he emphasizes taking action after you've learned; otherwise, you really haven't gained much of anything. But the rat race is so busy that some people don't have time to care about this stuff. In fact, the difference between financial education and financial courage is action taking. That's the difference. Now, in my view, it seems that some feel like financial betterment means cutting your expenses so much that you reduce your standard of living even over the long term, and doing that for the long term, you might do some of that in the short term, earlier in your investing career, because you need some capital formation, but to me, before long, financial betterment should give you the ability to make your life better. I mean, really don't buy the boat or RV just because it's a depreciating asset. Well, you don't want to do that wastefully if you can't afford it, but if you can learn how to afford it, consider borrowing for it, investing it at a higher interest rate than the RV loan, and profiting while you enjoy the RV, some people don't even think something like that is possible. Well, that's the sort of thing financial education can do. Genuine financial betterment means that you can take the trip, it means that you can buy the boat, because what's worse, owning a depreciating asset or living a depreciating life. Big thanks to Robert Kiyosaki.    Keith Weinhold  33:47   Today, we've got a lot of great upcoming shows here on the Get Rich Education podcast. Next week, The Mad Scientist of Multifamily, Neil Bower, will be here. It's going to be a charged conversation on the state and the future of the residential real estate market. Also, I've been compiling my top 12 dirty dozen due diligence questions that are going to help you avoid mistakes when you buy a piece of income property, like for example, How do you be sure that a build to rent community isn't overbuilt with supply, and why you should always get a property inspection, even on a new construction property that's coming in future weeks, and if you're a new listener and still learning about how to prudently use debt to build wealth, you're in luck. Just eight weeks ago, on episode 600 it's an episode where it's just me talking to you, called Debt is the American dream. Be sure to check out that show until next week. I'm your host, Keith Weinhold. In In the Spirit of Rich Dad, don't quit your daydream.   Speaker 3  34:52   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.   Keith Weinhold  35:18   The preceding program was brought to you by Your Home for Wealth Building, Get Rich education.com  

BUILD A BETTER BUSINESS | Most real estate agents focus on just earning more, not thinking of the bigger picture. Dylan and Angela explore the shift from active earning to long-term wealth building. From the difference between being rich and being wealthy to a practical six-step framework for turning income into assets, they share a simple approach to creating financial freedom beyond commissions and transactions. Access the resource here.   In this episode:  00:00 — From Modest Beginnings 00:54 — A New World of Opportunity 02:02 — Beyond Selling Real Estate 03:56 — Rich vs. Wealthy 06:18 — Why People Resent Wealth 08:44 — The Default Money Script 09:58 — Beliefs for Long-Term Wealth 12:19 — Six-Step Overview 12:30 — Step 1: Get Your House in Order 14:47 — Step 2: Build the Goose 17:04 — Don't Eat the Goose 18:26 — Step 3: Invest Free Cash 20:03 — Asset Options Explained 21:32 — Take Money Off the Table 23:42 — Step 4: Protect & Optimize 26:09 — Passive Income & Timing 28:10 — Leverage & Tax Strategy 30:24 — Find Your Advisors 33:13 — Freedom & Purpose 35:11 — Closing Gratitude   Subscribe to the More Than More Podcast for new weekly episodes as we discuss building meaningful and impactful businesses, careers, and lives through real estate. Apple Podcasts Spotify YouTube   

In this episode, we break down the powerful difference between being stingy and being strategic with money. Using a clear $50,000 example, we explore how fear-based spending leads to short-term satisfaction, while disciplined positioning builds long-term wealth through assets, appreciation, and ownership. This conversation is about mindset, maturity, and making intentional financial decisions that create freedom. If you want to think bigger, build smarter, and move from impulse to impact, this episode is for you.Check us out -  Instagram and Twitter: JeroldJax Facebook:  Jerold Action Jackson and Zone Of ActionJeroldJackson.comHappiness starts with you. Not with your relationship, not with your job, not with your money, but with you in the Zone of Action.

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Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy! Check out the full episode: https://greatness.lnk.to/1415DM Dave Ramsey shares insights on how to attract wealth into your life. He emphasizes the importance of financial discipline, smart money management, and setting clear financial goals. Ramsey discusses practical strategies for budgeting, saving, and investing wisely to build wealth over time. His advice provides a roadmap for listeners looking to improve their financial well-being, make informed decisions, and take steps towards achieving financial security and prosperity. Sign up for the Greatness newsletter! Topics Dave Ramsey, financial discipline, wealth building, budgeting strategies, smart money management, saving and investing, financial goals, financial security, debt-free living, personal finance advice Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Making more money doesn't guarantee financial freedom. Today's guest explains what actually does.   If you've ever thought, “I make good money… so why do I still feel stressed about it?” — this episode is for you.   In this episode of Balanced, Beautiful & Abundant, Rebecca Whitman sits down with Andrew Giancola, host of The Personal Finance Podcast and founder of  Master Money .   Andrew teaches practical, proven strategies to help people build wealth, reduce financial anxiety, and create true financial freedom—not through hustle culture, but through intentional habits and smart systems.   Whether you're growing a business, building your next chapter, or simply want more peace around money, this conversation will help you create a stronger financial foundation.   ✨ In this episode, you'll learn:   • Why income is one of the biggest levers for creating wealth   • The exact order of operations for building financial freedom   • How to automate your finances and spend less time thinking about money   • Common mistakes even successful people make with wealth   • How to reduce financial stress and anxiety   • The difference between feeling wealthy and actually building wealth   • How to enjoy your life now while creating long-term security   • Small habits that create massive financial results over time   • What to focus on in the next 12 months to transform your finances   This episode is a reminder that abundance isn't just about earning more—it's about creating a life that feels aligned, peaceful, and financially empowered.  

What happens when a firefighter working 24-hour shifts decides to build a future through real estate? Thomas St. John, founder of North Corp Capital, who also worked part of his career as a mailman, shares hear how he went from serving his community to building a successful multifamily investment company with over 20 years of experience in the trenches of real estate. Starting with his first duplex back in 2006, Thomas steadily scaled his portfolio and eventually created a vertically integrated operation complete with in-house property management. Today, through North Corp Capital, Thomas specializes in multifamily investing, asset syndication, and helping investors grow wealth through strategic, risk-conscious real estate opportunities. We dive into the lessons he's learned about leverage, scaling responsibly, managing risk, and building strong investor relationships over the long haul. If you're interested in multifamily investing, creating financial freedom outside of a traditional career, or learning what it really takes to scale a real estate business sustainably, this episode is packed with practical insights and real-world experience.SUBSCRIBE IF YOU'RE LOOKING TO BUILD WEALTH THROUGH OPPORTUNITIES IN THE REAL ESTATE INDUSTRY ✅ http://relfreedom.tv  GET STARTED INVESTING TODAY AND ACCESS OUR DEAL LIST! 

Joe Jensen sits down with Jonathan Berryhill, a North Alabama broker, land investor, and author of Warrior to Wealth, to unpack a story built from pressure, discipline, and reinvention. Jonathan shares how he went from military and law enforcement into entrepreneurship, rebuilding his marriage, mindset, and identity brick by brick. The conversation centers on his "warrior" framework, not as hype, but as a practical approach to creating structure, vision, and balance across faith, family, health, and finances, and how those principles became the foundation for his upcoming book. On the investing side, Jonathan breaks down why he prefers land over houses: fewer headaches, no structures deteriorating while you wait, and strong upside when you buy larger tracts and subdivide into smaller lots buyers can actually afford. He explains the basics of getting started, why road frontage matters, how county restrictions affect parceling, and why partnering with a strong land-focused agent can accelerate deal flow. The episode closes with Jonathan's emphasis on financial freedom, intentional living, and his reminder that changing your life starts with changing your mindset and taking action. Book a free real estate investing strategy call! No experience necessary. Check out the Real Estate Investing School Youtube Real Estate Investing School Instagram Brody's Instagram Joe's Instagram Website: johnberryhill.com Facebook: Jonathan Berryhill Instagram: john.berryhill

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Send us Fan Mail Financial Budget/Wealth Management app (FREE): https://centsora.com/ Nearly one in three Americans don't track their spending—yet 76% say they're optimistic about improving their finances. That gap between intention and outcome is a thinking problem, not a math problem. In this episode, M.A. Aponte unpacks four cognitive biases that sabotage financial behavior — present bias, anchoring, loss aversion, and identity spending — and shows how building financial literacy improves decision-making across every domain of your life. Whether you're trying to budget better, build wealth, or simply make smarter choices under pressure, this episode gives you the Financial Thinking Stack and a 3-Question Decision Filter you can use immediately. Support the showJoin My Substack for more content: maaponte.substack.comConsulting/Advisory Services: MAAponte.comProfessional LinkedIn Page: www.linkedin.com/in/maaponteFinancial Budget/Wealth Management app (FREE): https://centsora.com/CHECK OUT OUR NEW CRITICAL THINKING GAME APP! Currently in BETA: Android: https://play.google.com/store/apps/details?id=com.base692af669b00f0dc8d8ad6653.appWeb: https://play.google.com/apps/testing/com.base692af669b00f0dc8d8ad6653.app*Coming soon to Apple Store

Send us Fan MailIn this exclusive clip from a high-level investor panel, This investor shares blunt insights on why many Reg D investment deals fail investors, the hidden risks most people ignore, and what smarter investors are looking at instead heading into 2026.He also reveals why due diligence is everything, the lack of investor control in many private deals, and where he sees opportunity in specialty finance and alternative assets with low correlation.Topics Covered:✅ Why Reg D deals can be risky for investors✅ The problem with illiquidity and manager control✅ Hidden fee structures explained✅ Best niche alternative assets for 2026✅ 300 due diligence questions every investor should askIf you invest in private equity, real estate, hedge funds, venture capital, or alternative assets, this is a must-watch.

Send us Fan MailDiscover how to transform your private practice into a financial powerhouse with expert Eric Miller of Econologics Financial Advisors. This episode dives deep into essential financial strategies often overlooked by healthcare entrepreneurs. From understanding the true role of a financial planner to treating your household as a "parent company" that invests in your practice, Eric and Brandon unravel the secrets to sustainable wealth building. Learn why profit prioritization is not just a business necessity but an ethical imperative that empowers you to help more people and expand your impact. This conversation is a must-listen for any practice owner ready to take control of their financial future and build a legacy of success.What You'll Learn:Why shifting your perception of financial planners can unlock significant growth.The importance of treating your household as an investor in your practice.How to identify and correct common financial mismanagement pitfalls.The three pillars of financial success: acquiring, controlling, and expanding money.Why embracing profit is crucial for ethical expansion and greater societal impact.Practical strategies for tax planning to legally avoid taxes and reallocate funds.How to empower yourself to make informed financial decisions for long-term wealth.Take the first step towards financial viability and create the impact you're truly capable of. #FinancialBeast #PracticeFinances #WealthBuilding #PrivatePractice #EconologicsEric S. Miller is a nationally recognized financial advisor, speaker, and co-owner of Econologics Financial Advisors. With over 20,000 conversations with healthcare practice owners, he's helped hundreds turn income into personal wealth. Eric is the bestselling author of How to Become a Financial Beast and host of The Financial Beast Podcast. His bold, no-nonsense financial strategies have made him a sought-after voice in the veterinary, physical therapy, optometry, and healthcare industries.http://www.econologicsfinancialadvisors.com http://www.instagram.com/econologicsfinancialadvisors http://www.econologicsfinancialadvisors.com http://www.youtube.com/@EconologisFinancialAdvisors Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide BookThis show is proudly produced at PS Studios — learn more https://www.psstudios.co

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo delves into the intriguing concept of time risk in the realm of wealth building. He emphasizes that financial decisions are, at their core, decisions about time. Throughout the discussion, Ryan explores strategies to optimize control over one's time, highlighting the importance of proactive rather than reactive decision-making. He provides insights into aligning financial choices with personal goals, ultimately guiding listeners toward building a life that reflects their true aspirations and values.   Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #BuiltForLifeNotJustWealth #wealth #timerisk #financialplanning #controlovertime #lifestyle #investmentstrategy #financialindependence   Key Topics Time risk in wealth building The true goal of money is control over time Common mistakes in financial decision-making The importance of flexibility and long-term thinking Building a life aligned with personal goals   Chapters 00:00 The Value of Time in Wealth Building 02:52 Understanding Time Risk and Financial Decisions 05:58 Building a Life of Freedom and Optionality

Dr. Willie Jolley brings you a recent conversation with Peabody Award winning broadcast journalist Carl Nelson, focused on wealth, mindset, and ownership. This episode highlights powerful perspectives that can reshape how you think about money and building a lasting financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode Summary In this episode of Wade Borth Podcast, Wade Borth and Beth Reich tackle one of the most common reactions people have when they first hear about Infinite Banking and whole life insurance strategies: "This sounds too good to be true." Wade breaks down why skepticism around alternative financial strategies is natural, while also challenging listeners to examine the traditional banking and retirement systems with the same level of scrutiny. The conversation explores the difference between guaranteed assets and speculative investments, the role of liquidity during economic downturns, and why education and intentionality are essential when making financial decisions. Throughout the episode, Wade emphasizes that Infinite Banking is not about chasing unrealistic returns—it's about building control, certainty, access to capital, and long-term financial flexibility. Beth provides the perspective of the everyday consumer, asking the questions many listeners are already thinking: What's the catch? What are the risks? Why doesn't everyone do this? The episode ultimately becomes a discussion about mindset, financial literacy, and the risks of inaction when it comes to personal wealth-building. Links & Resources sagewealthstrategy.com Keywords Infinite Banking, Whole Life Insurance, Family Bank, Financial Freedom, Cash Flow, Policy Loans, Wealth Building, Personal Finance, Guaranteed Assets, Financial Literacy, Retirement Planning, 401k Alternatives, Liquidity, Opportunity Cost, Financial Education, Wealth Strategy, Passive Wealth, Banking System, Financial Independence, Wade Borth Episode Highlights 00:00–01:12 – Wade introduces the concept that money tends to flow back to people who understand how to use it effectively. 01:12–02:15 – Discussion on the profitability and structure of the modern banking system. 02:15–03:14 – Recommended books for understanding both the banking system and personal financial control. 03:34–04:58 – Wade explains why more people use Infinite Banking than most realize—it's simply private. 05:01–05:47 – The vision behind creating a "family bank" and building generational financial control. 06:19–07:33 – Why fear often comes from not understanding financial products and outcomes. 07:33–08:29 – Wade contrasts guaranteed assets with speculative investment returns. 08:29–09:26 – How policy loans provided liquidity and opportunity during the 2008 financial crisis. 09:26–10:28 – The importance of long-term thinking versus short-term liquidity concerns. 10:28–11:17 – Wade critiques the passive "set it and forget it" mindset around 401(k)s. 11:18–12:35 – The difference between arguing and genuinely wanting to learn. 13:46–14:58 – Wade answers the question: "What's the biggest risk with whole life insurance?" 14:58–16:07 – The hidden cost of inaction and lost financial opportunity over time. 18:58–20:06 – Common financial results come from common financial behavior. 22:02–22:57 – "A confused mind takes no action" — Wade explains why education matters more than selling.

In this REI Only episode of The FasterFreedom Show, Sam breaks down the unique benefits real estate investing provides that no other investment vehicle can truly match. He explains why the flexibility and adaptability of real estate are incredibly underrated in today's market, and how investors can shift strategies based on market conditions to continue building wealth. Sam also dives into the pros and cons of flipping, wholesaling, and rental properties, helping listeners understand which approach may make the most sense depending on their goals, capital, and current market opportunities.Whether you're trying to choose your investing path or simply want to understand why real estate remains one of the most powerful wealth-building tools available, this episode gives you a practical framework for thinking strategically in any market.Join my PREMIUM real estate community on Skool: ⁠⁠⁠https://www.skool.com/fasterfreedomrelaunchproFasterFreedom Capital Connection: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fasterfreedomcapital.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Free Rental Investment Training: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freerentalwebinar.com⁠⁠⁠⁠⁠⁠⁠⁠

Tyler Osborne is a financial expert, mentor, and educator with over 15 years of experience, and the founder and host of the MONEY MASTER podcast. Driven by his own early financial struggles, he now helps individuals and families break free from debt, build wealth, and reshape their beliefs about money through practical, no-nonsense guidance. His expertise spans budgeting, investing, retirement planning, and income growth, with a strong focus on empowering underserved communities—especially women—to achieve financial independence. Beyond his work, he mentors future leaders, stays active in his community, and is committed to helping others take control of their financial futures.Connect with Tyler Osborne:Website: https://moneymasternation.com/ TikTok: https://www.tiktok.com/@moneymaster408 Instagram: https://www.instagram.com/moneymaster408/ LinkedIn: https://www.linkedin.com/in/tyler-osborne-854064a0/ Podcast: https://podcasts.apple.com/us/podcast/money-master-podcast/id1811767913 TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

In Episode 189 of The Investor Professor Podcast, we reflect on graduation season and celebrate the Class of 2026 while sharing lessons on mentorship, consistency, and personal growth. From heartfelt commencement moments to the lasting impact great teachers and mentors can have, this episode highlights the importance of investing not only in markets, but also in people. We discuss the emotions that come with watching students step into the next chapter of life and why long-term relationships and guidance matter far beyond the classroom.We also take a deep dive into today's market environment, where AI, semiconductor, and data center infrastructure stocks continue to surge higher despite growing macroeconomic concerns. We break down the momentum behind companies like NVIDIA, AMD, Micron, and Vertiv while discussing inflation pressures, rising oil prices, Treasury yields, Federal Reserve uncertainty, and the transition from Jerome Powell to Kevin Warsh. This episode focuses heavily on discipline, trimming oversized winners, trading around positions, and understanding the risks that come with parabolic market moves. If you're trying to navigate today's AI-driven market while avoiding the emotional mistakes investors often make late in rallies, this is an episode you do not want to miss.

Visit our webpage to join our growing communitywww.podpage.com/the-3-13-men-money-and-marriageSummaryIn this episode, Andrew Johnson explores the concept of ego tax and its impact on personal finances, focusing on how the desire to impress others through appearances can hinder wealth creation. He shares practical strategies for managing spending, avoiding lifestyle creep, and making data-driven financial decisions.Keywords Ego Tax, Wealth Building, Personal Finance, Lifestyle Creep, Financial Independence, Money Management, Impulse Spending, Investment StrategiesKey topicsEgo tax and its impact on wealth creationPractical strategies for managing spending and avoiding lifestyle creepThe importance of tracking expenses and making data-driven financial decisionsThe ego tax is a hidden financial drain that hampers wealth building.Managing spending on appearances can significantly improve financial health.Tracking your expenses helps prevent unnecessary spending on depreciating assets.The Hidden Cost of Appearances: How Ego Tax Drains Your WealthStop Paying the Ego Tax: Practical Tips for Financial Freedom"The ego tax is a hidden financial drain.""We buy cars based on the badge, not utility.""Investing $500 a month could buy a car outright."Chapters00:00 Introduction to Ego Tax and Appearance Costs 02:50 Understanding the Luxury Trap and Financial Decisions05:34 Strategies for Managing Raises and Overtime07:52 The Impact of Ego Tax on Wealth Creation10:46 The Cost of Paying for Appearances 13:35 Conducting an Ego Tax Audit16:59 Conclusion and Future Content

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Financial freedom, passive income, real estate investing, and wealth-building strategies are at the center of this powerful episode of Casa De Confidence with investor and entrepreneur Bronson Hill.Julie DeLucca-Collins sits down with Bronson to unpack the mindset, education, and investment strategies that help entrepreneurs create long-term financial freedom and time freedom.Bronson shares how he transitioned from a high-paying corporate medical sales career into alternative investing, passive income, and wealth-building through real estate, businesses, and oil and gas investments.If you've ever wondered:How do I start investing?What is passive income really?Can women entrepreneurs build wealth without working 24/7?How do I protect myself financially after divorce or starting over?…this episode is for you.

With nearly 40 years in tax and wealth management, Mark Miller helps business owners, executives, and high-net-worth individuals build, protect, and sustain their wealth. As a best-selling author, his book Hilton Wealth: How to Invest Like an American Dynasty reveals the investment and tax strategies used by Fortune 500 firms and the Hilton family. Featured in over 200 major publications, including Kiplinger's, The New York Times, and Money Magazine, Mark has also appeared as a financial expert on Fox News and national media. Recognized as a Presidential Businessman of the Year, he received a personal commendation from President George W. Bush. Miller is the Managing Director of the Hilton Family office and CEO of Hilton Tax and Wealth Advisors, partnered with J. Bradley Hilton, the grandson of the legendary Hotelier Conrad Hilton. Via their Hilton TruWealth Portfolios™, Mark empowers clients with Smart Money level wealth-building strategies, ensuring financial security and lasting legacies. Hilton's mission is to help clients invest and grow wealth like an American Dynasty.

► Ready to go deeper and work with Randy directly:https://randygage.com/breakthroughu/► Prefer audio? Get the podcast (and exclusive content):https://randygage.com/podcastWhat happens when you put two OG entrepreneurs with nearly 150 years of combined business and wealth-building experience in the same room?You get a conversation most people aren't ready for.In this episode, Randy sits down with Alan Weiss to unpack the real drivers behind wealth, success, entrepreneurship, and market gravity. They go far beyond surface-level business tactics and dive into the deeper mindset patterns that separate people who create lasting prosperity from those who stay stuck chasing shortcuts.They break down:• Why most people never build real wealth• The mindset traps that sabotage even smart entrepreneurs• What actually creates value in the marketplace• How market gravity works and why it matters more than marketing hacks• The hidden forces driving money, influence, and successThis isn't motivational fluff or recycled “guru” advice. It's a raw, honest conversation between two people who have spent decades building businesses, creating value, and learning what truly works in the real world.If your income has plateaued…If your business growth feels harder than it should…Or if you know you're capable of more but haven't broken through yet…This episode will challenge the way you think about money, prosperity, and success itself.Show Notes:► Wealth Without Apology:https://amzn.to/49zfm86► Breakthrough U Entrepreneur Accelerator Program:https://randygage.com/breakthroughu/► Randy's Website:https://randygage.com► Alan Weiss Website:https://alanweiss.com► Alan Weiss Podcast:https://alanweiss.com/podcast/Who is This Guy?Randy isn't some influencer who listened to a couple podcasts and started posting hot takes. He's the streetwise founder of Prosperity Factory, Inc., who has been building and scaling businesses for more than 40 years. Randy has authored 16 bestselling books, translated into 25+languages, including his latest—Wealth Without Apology—and spoken to more than 2 million people across 50 countries. He's been inducted into both the Speaker Hall of Fame and Direct Selling Hall of Fame.But none of that is why people follow him.They follow him because he calls BS…and says what most people are too afraid to admit. When he's not rocking the stage or building his next project, you'll probably find him coaching a softball team somewhere.Connect with Randy: Instagram: randy_gage Twitter: randy_gage Facebook: randygage

In this episode of The Real Wealth Show, Kathy Fettke sits down with Alex Felice for an honest conversation about what 14 years of real estate investing has taught him. Alex shares how he went from broke and living paycheck to paycheck to building rental properties, scaling into multifamily, making costly mistakes, and discovering one of the biggest lessons in investing: the difference between building cash flow today and wealth for tomorrow. If you're building a portfolio in today's market, this episode is packed with real-world insight.

Want your money to work for you? In this episode of the No Lazy Money Show on WJR, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join host Ryan Ermanni for a conversation on concentration risk, smart investing strategies, retirement planning, and building long term wealth. Special guest Scott Westgate, CEO of MBC Retirement Services, shares insight on 401(k) plans and why many small business owners may be leaving significant money on the table. The episode also covers Social Security strategies, including when to take benefits, plus practical financial planning tips to help investors make smarter money decisions in today's market. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Too many Christians have the wrong idea about money, and see the concept of wealth-building as automatically evil. But pursuing financial stability and prosperity isn't in itself an evil. Money only becomes problematic when its pursuit gets in the way of worship of God. John Coleman, author of "Good Money," tells how to build a life of financial purpose.

Chad Hyams and Bob Stewart explore wealth-building opportunities with Ben Kinney, who shares how his first real estate investment—a duplex purchase—sparked his career in property investment. Despite humble beginnings, Ben showcases how anyone can uncover hidden opportunities in real estate and build long-term wealth. The episode delves into the financial benefits of homeownership, the importance of strategic property management, and Ben's approach to leveraging real estate for personal and financial growth. A must-listen for those keen on transforming everyday challenges into rewarding financial ventures. ---------- Connect with the hosts: •    Ben Kinney: https://www.BenKinney.com/ •    Bob Stewart: https://www.linkedin.com/in/activebob •    Chad Hyams: https://ChadHyams.com/ •    Book one of our co-hosts for your next event: https://WinMakeGive.com/speakers/   More ways to connect: •    Join our Facebook group at www.facebook.com/groups/winmakegive •     Sign up for our weekly newsletter: https://WinMakeGive.com/sign-up •     Explore the Win Make Give Podcast Network: https://WinMakeGive.com/ Part of the Win Make Give Podcast Network ---------- 00:00 Finding Opportunity in Real Estate Investments 02:02 The Financial Benefits of Real Estate Investment 06:11 From Cable Guy to Homeowner: A Journey of Determination 12:44 Building Wealth Through Long-Term Real Estate Investment 18:08 Real Estate Leverage vs Stock Market Returns 20:37 The Importance of Homeownership for Wealth Building and Security 24:07 Creating Opportunities and Building Wealth Through Real Estate

Real estate moves in cycles — and understanding where we are in the market can completely change the way you invest. In this episode of How To from Jake & Gino show, Gino breaks down the four phases of the real estate cycle, how investors should think during each stage, and the biggest mistakes people make when they ignore market timing. Whether you're buying your first deal, scaling a portfolio, or trying to understand today's market conditions, this episode will help you recognize opportunities before everyone else does. 00:00 Introduction 00:42 Why understanding market cycles matters 02:15 The 4 phases of the real estate cycle 04:10 Expansion phase explained 07:02 Peak market behavior and warning signs 10:18 Contraction and shifting investor mindset 13:41 Recovery phase opportunities 16:05 Common mistakes investors make in each cycle 19:12 How experienced investors adapt their strategy 22:08 Long-term thinking vs. reacting emotionally 24:30 Final thoughts and key takeaways   This episode is sponsored by Wheelbarrow Profit. wheelbarrowprofits.com We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.