The Real Estate Crash No One Saw Coming with Neal Bawa

What caused the multifamily market crash that blindsided most investors? In this episode, Russ and Joey sit down with Neal Bawa, a data-driven real estate expert, to discuss the multifamily market crash that caught many investors off guard. Neal shares insights on how the combination of rising interest rates, oversupply, and assumptions about cash flow has caused property values to drop 20–30% across the U.S., creating both challenges and opportunities for investors.

The real cause of the multifamily market crash

How investors and operators can respond strategically

How to identify future opportunities in a lagging market

Neal Bawa

Neal Bawa is CEO and Founder at Grocapitus, a commercial real estate investment company. He is known as the Mad Scientist of Multifamily and one of the most in-demand speakers in commercial real estate. He is a data-driven guru, a process freak, and an outsourcing expert. He treats his multifamily portfolio as an ongoing experiment in efficiency and optimization.

How to Use AI to Make Money, Save Time, and Be More Productive with Mike Koenigs

What if AI could handle 85% of your daily work and free you to focus on the tasks that truly matter? In this episode, Mike Koenigs joins Russ and Joey to discuss strategies for leveraging AI to save time, increase productivity, and grow your business. Mike shares practical ways to integrate AI into daily workflows, mentioning tools like Wispr Flow, NotebookLM for centralized knowledge, and Claude/Codex for automating processes. Beyond tools, Mike talks about the mindset shift required to trust AI with repetitive tasks, give it access to relevant data, and learn to relinquish control but maintain oversight. He also shares real-world examples from NASA and private equity that show how AI can accelerate problem-solving and content creation.

How to use AI to automate repetitive tasks

The best AI tools and workflows for business communication, content, and operations

The mindset shifts necessary to optimize productivity and scale efficiently with AI

Mike Koenigs

Mike Koenigs is a Minnesota kid from a town of 763 who barely passed high school but taught himself to code at 14. He's also a stage 3a colorectal cancer survivor and is now 14 years cancer-free. That experience changed everything. Mike believes that when you face your mortality, you can't play small anymore.

The Active Income Bridge: How to Build a Coaching Business That Funds Your Financial Freedom with Zander Fryer

Do you want to turn your skills into a business that funds your freedom? In this episode, Zander Fryer joins Russ and Joey to discuss the blueprint for creating a coaching business that generates sustainable income while supporting financial freedom. He shares practical steps for turning expertise into a scalable business, balancing active income with long-term wealth creation. Zander explains how to structure services, identify ideal clients, and leverage time effectively to maximize revenue. He also discusses the mindset shifts required to transition from trading time for money to building a system that supports autonomy. He mentions proven strategies for coaches at all levels.

How to structure a coaching business to generate reliable active income that can fund financial freedom

Strategies for scaling a coaching business while maintaining client acquisition and retention

Practical methods to bridge the gap between active income and passive income

Zander Fryer

Zander Fryer is a best-selling author, internationally renowned speaker, and host of the iTunes top podcast Sh*t You Don’t Learn In College. After quitting his high-paying job as a Cisco engineer, he launched High Impact Coaching to inspire and empower entrepreneurs to build successful businesses while adding value to the world.

How Smart Investors Legally Reduce Taxes Using Entities and Income Shifts with Tom Wheelwright

Do you want to learn strategies that can save you thousands, protect your wealth, and maximize the return on your investments? In this episode, Russ and Joey sit down with Tom Wheelwright, CPA, author, and expert in tax strategy for investors and business owners, to talk about the different ways smart investors legally reduce their tax burden by leveraging entities, income shifts, and the Internal Revenue Code’s incentives. Tom breaks down the difference between tax strategy and tactics, exploring how business structures can protect income and reduce taxes. He explains why proper entity setup can turn passive and active income into deductions and tax advantages, and why reinvesting in your business may be one of the most powerful tax strategies available.

Understanding the right business structure to maximize your tax incentives

The difference between tax strategy and tactics

How to organize investments to legally minimize taxes while growing wealth

Tom Wheelwright

Tom Wheelwright, CPA, is the visionary and best-selling author behind multiple companies that specialize in wealth and tax strategy. He is best known for making taxes fun, easy, and understandable, and specializes in helping entrepreneurs and investors build wealth through practical and strategic ways that permanently reduce taxes.

What $30 Billion in Investor Data Reveals About Bad Investment Decisions with Litan Yahav

Most investors don’t lose money because of bad opportunities. They lose money because emotions drive their decisions. In this episode, Litan Yahav returns to break down the fascinating trends his platform, Vyzer, is uncovering across thousands of investors and billions in tracked assets. Russ and Joey explore why investors have recently shifted from private investments back into public markets, how emotions are influencing decisions, and why people often struggle to stay disciplined during uncertain market cycles. Litan also explains how private investing has evolved over the last few years and how investors can avoid repeating costly mistakes of the 2021–2022 investment boom.

Why emotions lead investors to make poor financial decisions

How private market investing is shifting and where smart money is moving next

How data, due diligence, and objective analysis can help investors make better long-term investment decisions

Litan Yahav

Litan Yahav is the co-founder and CEO of Vyzer, a solution for investors with multiple streams of income who find themselves spending too much time managing, tracking, and monitoring their portfolios. He specializes in private market investing, portfolio analytics, and using technology and AI to simplify wealth management for investors.

The Communication Skill That Can Increase Your Income by 50% with Joel Weldon

What if one skill could boost your income by 50% without changing your job, title, or hours? In this episode, Russ and Joey sit down with legendary speaker Joel Weldon, who has been paid over 3,000 times to speak and coach more than 10,000 entrepreneurs, executives, and business leaders. He breaks down why communication is one of the highest-paid skills in business, investing, leadership, and even family life.

How to include everyone in your message

How to get meaningful feedback

How to connect authentically to influence decisions

Joel Weldon

Joel Weldon is a renowned speaker and speaking skills coach. But he wasn't always an amazing speaker. His expertise came as a result of learning how to speak effectively after hearing an audience member say, "You are the worst speaker I have ever heard in my entire life." That feedback fueled his desire to develop his skill and become the ultimate speaker.

The Problem With Chasing the “Perfect” IBC Policy (Part 2)

Do you want to know more about the complexities of the Infinite Banking Concept (IBC) and the myths surrounding the so-called "perfect" whole life insurance policy? Today, Russ and Joey continue their series answering questions about IBC. They go over the truth behind the myths, reveal the risks you’re not being told about, and show you how to design a policy that works for your unique financial goals. The discussion covers the risks of overfunding policies, the truth about dividends, and the human behavior side of investing. Russ and Joey also present real-world examples to illustrate how understanding your financial goals and behavior is essential for using IBC effectively.

There is no "perfect" IBC policy, only the right one for you

Risk management is key in policy design

What you do with the policy matters more than the policy itself

Is Fractional Real Estate Investing Smarter Than Owning Rentals Yourself? with Alex Blackwood

Is fractional real estate investing the wealth builder you've been looking for, or does owning rentals still reign supreme? In this episode, Alex Blackwood joins Russ and Joey to talk about fractional real estate investing and compares it with the traditional model of owning rental properties. Alex, co-founder of a successful investment platform, reveals how fractional ownership provides an opportunity to invest in lucrative properties without the full responsibility of property management. He explains how fractional real estate investing works, why it’s gaining popularity among investors, and how it can help you diversify your portfolio and scale your wealth.

The advantages of fractional real estate investing over traditional rental property ownership

How to invest in high-quality properties without the time and hassle of direct ownership

The key strategies for selecting profitable properties in top markets and scaling passive income

Alex Blackwood

Alex Blackwood is the 29-year-old co-founder and CEO of mogul, a real estate investment startup. He previously worked at Goldman Sachs, making $250,000 a year. Alex says it is more rewarding to be a startup founder compared to working 100-hour weeks as a real estate investing associate for another company. Alex started his company after buying a property for the first time and realizing how capital and time-intensive it was.

The Problem With Chasing the “Perfect” IBC Policy, Part 1

Is there really a perfect infinite banking policy design? In this episode, Russ and Joey break down one of the biggest misconceptions in the IBC world. They explain why policy design should never be cookie-cutter and unpack the growing obsession around 10/90 policy design. They also reveal why maximizing paid-up additions (PUAs) doesn’t automatically create better outcomes. Using real examples and math, they compare different whole life policy structures to demonstrate that the long-term differences are often not what people expect. More importantly, they emphasize that financial freedom does not come from chasing the perfect product. It comes from becoming a better investor and using the system strategically.

The truth about the perfect Infinite Banking policy

The difference between base premium and paid-up additions (PUAs)

Why financial freedom depends more on strategy and investing than on maximizing policy design

The 3 Things That Let Him Buy a $700K Business With No Money Down with Jason Wright

This guy didn’t have money, experience, or connections, yet he bought a $700K business and walked away with $90K in cash at closing. How did he do it? In this episode, Russ and Joey sit down with Jason Wright to unpack one of the most unconventional deals you’ll hear. Jason shares how he used a combination of seller financing, bank financing, and creative structuring to make the deal possible despite having no capital, no industry experience, and no clear path forward at the start.

The 3 key elements that make no-money-down deals possible

How to structure deals using seller + bank financing

Why trust and timing matter more than capital in business acquisitions

Jason Wright

Jason Wright is a serial entrepreneur, self-improvement enthusiast, and small business acquisition expert. He escaped corporate America to become his own boss and is now in the business of helping others love life and accomplish their dreams and goals.

Crisis Playbook: How to Protect Your Money During a Market Crash or War

Are you looking for ways to secure your financial future, no matter what the market situation is? In this episode, Russ and Joey share their personal crisis playbook, going over how you can protect your money during times of market instability, wars, or economic crashes. They discuss the three key elements needed to safeguard your wealth during these uncertain times. Russ recounts his experience during the 2008 financial crisis, when he realized that it wasn't better investments that were needed to weather the storm but a comprehensive system for cash flow, asset protection, and liquidity. Joey adds his experience, explaining how even when making a high income, he found that having money tied up in assets and retirement plans made him unable to seize opportunities. The hosts dive deep into their Passive Income Operating System, a system they built to ensure money continues to flow, even during crises. They share how this system moves income into predictable streams and maintains accessibility to capital. They also highlight how real estate, cash-flowing assets, and infinite banking provide stability and financial independence, even in uncertain times. If you're looking for a way to secure your financial future no matter what the market does, this episode provides proven strategies. Top three things you will learn: The three essential elements needed to protect your money during market instability How to create a system that generates predictable income and ensures access to capital Why leveraging real estate, cash-flowing assets, and infinite banking can secure your financial future March 2026 Income At-A-Glance: Gross Income for March: $80,423.00 Total Expenses for March: $31,368.00 Total Net Profit for March: $49,055.00 Difference b/t February & March: ($1,664.00) % of net profit to overall gross revenue: 61%

LLC Asset Protection Is Broken (Unless You Do This) with Aaron Scott Young

Many business owners and investors believe that forming an LLC automatically protects their assets. But today's guest warns that many LLCs fail under pressure because owners overlook critical protections, which could cost them everything in lawsuits or audits. In this episode, Aaron Scott Young joins Russ and Joey to discuss why most LLCs fail under pressure. Aaron explains that simply filing paperwork with the state isn’t enough. Without proper structure, documentation, and ongoing compliance, the courts can treat your LLC as your “alter ego,” meaning your personal assets are fully exposed.

Why most LLCs fail to protect owners during lawsuits or audits

The steps required to maintain real legal separation and protection

How small mistakes (like mixing finances) can instantly destroy your asset protection

Aaron Scott Young

Aaron Scott Young is the CEO of Laughlin Associates. For over 20 years, He has been empowering business owners to build strong companies and proactively protect their dreams. An entrepreneur with several multimillion-dollar companies under his own belt, Aaron has made it his life’s work to arm other business owners with success formulas that immediately provide exponential growth and protection.

The Perfect IBC Policy Designed (Exact Math Revealed)

Most people think there’s a “perfect” Infinite Banking policy, but what if that belief is exactly what’s setting them up to fail? In this episode, Russ and Joey break down one of the most misunderstood questions in Infinite Banking: Is there such a thing as the perfect policy design? Instead of giving a one-size-fits-all answer, they reveal why the right design depends entirely on your goals, timeline, and financial situation. They walk through the two key levers that shape every policy—base premium and paid-up additions (PUA)—and explain how each impacts cash value growth, death benefit, and long-term performance.

The reason there is no “perfect” IBC policy

The difference between base premium and PUA (and when to use each)

How to design a policy that aligns with your goals, cash flow, and timeline

What Actually Happens When You Lend Money on House Flips with Matt Strong

Have you ever wondered what actually happens when you lend money for real estate flips? In this episode, Russ and Joey sit down with Matt Strong from Sierra West Funding to talk about the ins and outs of lending money on house flips. Matt shares his approach to mitigating risk and ensuring that his investors’ money is safe. He explores the three factors to successful private lending and the consequences of chasing higher returns. Matt also highlights how experience in flipping properties helps him evaluate the true value of a deal and the borrower’s ability to execute.

How to minimize risk and protect your investment when lending money on house flips

How to evaluate a good deal

What to do when things go wrong

Matt Strong

Matt Strong is the owner of Sierra West Funding, which provides quick funding for short-term real estate projects, typically fix-and-flip or other single-family investments. He got his start in real estate in 2004 by actively buying and selling his own properties and has purchased and resold over 425 single-family homes in Utah. Matt is also an active buy-and-hold investor, real estate broker, and loan officer.

The Untold Story of Alex and Leila Hormozi

What does it really take to build a $100M empire? In this episode, Russ and Joey sit down with Alex and Leila Hormozi to dive into their untold story. Before they were household names, before they built a $100M empire, they were just like many of us– struggling, learning, and figuring things out. Alex shares how he pivoted from a successful consulting career to opening gyms, eventually leading to the launch of their multimillion-dollar business ventures. Leila, who started in fitness sales and personal training, reveals how she joined Alex in entrepreneurship and helped scale their ventures together.

The real struggles behind the success

The power of taking risks

The importance of mentorship and belief

The Exit Strategy Most $1M–$2M Business Owners Get Wrong with Tom Shipley

Many business owners making $1–$2 million annually feel financially secure, but when it comes time to sell, they realize their business isn't worth enough to retire on. In this episode, Tom Shipley joins Russ and Joey to talk about the exit strategy most $1–$2M business owners get wrong. He explains why two-thirds of businesses in this range fail to sell, and how to avoid the “valley of despair” where owners find themselves stuck in an endless cycle.

Why $1–$2M business owners struggle to retire on the sale of their business

How to prepare your business for a successful exit

The power of acquisitions in business growth and exit strategies

Tom Shipley

Tom Shipley is a serial entrepreneur and investor who focuses on building "optional exits" for $3M-$50M+ businesses, allowing owners to sell on their own terms or continue growing. Tom's emphasis is on leveraging acquisitions for growth and creating valuable, self-sustaining systems rather than just optimizing for a quick sale.

How Much Do You Need To Start The Infinite Banking Concept?

Today, Russ and Joey answer the question: How much do you need to start the Infinite Banking Concept? It’s a natural question after hearing about this powerful financial tool. But there’s a bigger picture here. The real question isn’t about the minimum you can contribute, because let’s be honest, when have you ever gotten maximum results by doing the bare minimum? The key is in understanding the long-term benefits of starting early and putting your money to work in a place that gives you access and control.

How the Infinite Banking Concept works

Why starting early is more important than the minimum amount

How to use Infinite Banking to secure passive income and financial freedom faster

Once You Sell, It’s Too Late: The 1031 Exchange Mistakes Investors Regret Most with Scott Saunders

If you're selling property without understanding the full benefits of a 1031 exchange, you might be setting a huge chunk of your investment on fire. In this episode, Scott Saunders joins Russ and Joey to discuss the critical mistakes investors make when selling properties and how they can affect your wealth. Scott, a 1031 exchange expert, shares his decades of experience in navigating this often-overlooked tax-saving strategy. He explains the real cost of not using a 1031 exchange, with taxes potentially eating up 30–50% of your property’s equity. But it’s not just about avoiding taxes. It’s about smart, strategic investing.

How to avoid tax losses when selling a property

The key mistakes investors make in 1031 exchanges

How to leverage 1031 exchanges for portfolio growth

Scott Saunders

Scott Saunders has an extensive background in IRC 1031 tax-deferred exchanges, having been involved in structuring thousands of 1031 exchanges during his 34 years in the exchange industry. He dedicates a significant portion of his time to presenting classes and podcasts on intermediate and advanced 1031 exchange strategies.

Why Use Whole Life Insurance for Infinite Banking vs IUL or VUL

Is whole life insurance the right choice for your financial future? In this episode, Russ and Joey break down why whole life insurance is the ideal choice for infinite banking compared to Indexed Universal Life (IUL) or Variable Universal Life (VUL), both of which have gained attention in recent years. Nelson Nash, the founder of IBC, believed that whole life insurance provides the most reliable and predictable returns, as opposed to the volatility and limitations of IUL and VUL policies.

Why whole life insurance is the best choice for infinite banking

The risks of using IUL and VUL for infinite banking

How to build long-term wealth with whole life insurance

5 Semi-Passive Income Opportunities That Don’t Require Full-Time Effort

Are you looking for ways to earn money without working full-time? In this episode, Russ and Joey are breaking down 5 semi-passive income opportunities that require minimal time commitment but can still provide consistent cash flow. They discuss each opportunity, outlining the startup costs, how much time is involved, and what you can realistically expect in terms of profits. While these businesses aren’t “get rich quick” schemes, they offer a smart way to start building passive income streams that can eventually replace your day job. Whether you’re new to passive income or an experienced investor, this episode will give you the tools to start earning with minimal hands-on effort. Learn how to start small and scale up your semi-passive income while maintaining your current lifestyle. Top three things you will learn: How to generate cash flow with minimal time commitment The costs and time commitment of semi-passive businesses How to scale and maintain semi-passive income streams February 2026 Income At-A-Glance: Gross Income for February: $98,420.00 Total Expenses for February: $47,701.00 Total Net Profit for February: $50,719.00 Difference b/t January & February: $9,626.00 % of net profit to overall gross revenue: 51%