Why Multifamily Isn’t Dead (and What’s Coming Next) with Sam Morris

Multifamily real estate isn’t dead; it’s evolving. In this episode, Sam Morris of Lone Star Capital joins Russ and Joey to break down why now is a prime time for investing in multifamily properties. Sam explains how operational excellence, strategic debt management, and market knowledge drive superior returns, even when interest rates and cap rates are beyond your control. From understanding market cycles to evaluating submarkets, Sam shares practical insights that can help investors make smarter decisions. He dives into the importance of structure, sponsor trust, and risk-adjusted strategies that separate successful deals from failures.

How to evaluate market cycles

Operational and financial strategies

The three critical questions to ask before committing to any deal

Sam Morris

Sam Morris is a Partner at Lone Star Capital, where he oversees acquisitions, asset management, and investor relations. With over 20 years of experience in real estate, Sam has led acquisition and disposition teams on over $550 million in multifamily transactions. Before joining Lone Star Capital, Sam was the CEO of Sunset Capital, where he built a strong track record of sourcing and executing high-performing investments.

Round Table | Why the Traditional Financial Plan is Failing the Modern Family CFO

Are you feeling overwhelmed by managing your finances? You're not alone. Money is the number one source of stress for many families, especially for the head of the family, also known as the modern family CFO. In this episode, the financial coaches dive into the importance of creating a comprehensive wealth strategy. They discuss the common challenges high-income earners face and how not having access to cash, a tax strategy, or a passive income system can leave you feeling exposed and without control.

How to take ownership of your financial future

Building a cohesive financial system

The importance of building passive income

How to Turn Condos, Hotels, and Apartments Into Cash Flow with Sayam Ibrahim

What would you do if your boss told you to reschedule your wedding? For today's guest, that was the push he needed to leave Wall Street and build a real estate empire. In this episode, Sayam Ibrahim reveals how one outrageous request from his boss pushed him to quit corporate life. From walking away from an 80–100-hour-a-week Wall Street job to closing over 1,400 real estate deals, Sayam’s journey is a masterclass in turning adversity into opportunity. He shares how a $60K profit on his very first flip gave him the confidence to dive into real estate full-time, the costly second deal that nearly derailed him, and the game-changing lessons that followed.

How to protect your real estate deals with multiple exit strategies

The step-by-step method for finding and approaching retiring landlords

Proven tactics to increase property value

Sayam Ibrahim

Sayam Ibrahim is a successful real estate investor who began his professional career on Wall Street, followed by a nine-year stretch in residential and commercial real estate, during which he and his team purchased over $50 million in properties across multiple markets. Sayam is one of the founders of Ecom Wealth Partners LLC and has been managing and building e-commerce businesses for friends, family, and colleagues.

Round Table | Warning Signs You’ve Outgrown Your Financial Advisor

Are you still relying on outdated financial advice? In this episode, the financial coaches discuss a common dilemma faced by high earners: outgrowing traditional financial advisors. They discuss why reactive financial planning is holding back your wealth, and how proactive, creative solutions can change the game. The financial coaches also share their experiences, stressing the importance of taking control of your financial journey and seeking advisors who understand your unique needs. If you’re tired of the status quo, tune in for expert insights on how to take charge of your financial future and break free from outdated systems.

Why CPAs and financial advisors often fail to provide strategic direction

The value of a proactive approach to financial planning

How building a Passive Income Operating System can unlock financial freedom

Why Most Investors Screw Up Subject-To Deals with Attorney Bishoy Habib

In the world of real estate, creative financing like "subject to" deals can be a game-changer. But are you aware of the risks and legal complexities that come with it? In this episode, Attorney Bishoy Habib joins Russ and Joey to explore the world of "subject to" real estate deals, a powerful strategy for investors looking to take over existing mortgages without paying the full price upfront. He breaks down the potential legal pitfalls, including the do-on-sale clause and the risks of lenders calling the loan due. You’ll also learn crucial tips to protect yourself, from due diligence periods to utilizing land trusts and the key documents needed for a successful transaction. Whether you’re an investor or a seller, understanding these aspects could make all the difference in your next deal.

The basics of subject-to transactions

The risks involved, and the importance of protecting yourself legally

The legal paperwork you need to prepare and how a land trust can provide protection

Bishoy M. Habib

Bishoy M. Habib, Esq. is a legal expert in real estate, business closings (i.e. buying and selling dental practices), financing (loans, refinancings, seller financing, etc.), corporate and entity formation, employment agreements, and general business transactions.

Round Table | Why Holding Cash Might Be Your Most Expensive Mistake

Are you sitting on idle cash, thinking it's a safe move for your wealth? Think again. In today's conversation, the financial coaches dive into how holding cash could actually be the biggest obstacle to your financial freedom, and how you can access real opportunities by leveraging a system that not only protects your cash but puts it to work for you. They explore why cash is considered one of the worst assets to hold, discussing the hidden costs of inflation and opportunity loss. They also share the concept of infinite banking as a powerful alternative to traditional cash storage, offering a tax-advantaged environment to help grow wealth while keeping liquidity.

Why access to cash is essential for taking advantage of investment opportunities

How holding idle cash in a savings account leads to opportunity and inflation costs

Practical steps to start using infinite banking to build wealth and ensure cash growth without interruption

Build Wealth and Keep It — Like the Rothschilds

Have you ever wondered how the Rothschild family built their immense fortune? In this episode, Russ and Joey reveal the financial strategies that can help you achieve true wealth, drawing inspiration from the Rothschilds. The duo emphasizes that the key to financial freedom isn't a huge bank balance–it's having passive income that exceeds your monthly expenses. To show you how it's done, they share their passive income report for June 2025, breaking down the numbers behind their success. Ready to build wealth the smart way? Tune in and discover how to make financial freedom a reality, starting today. Top three things you will learn: The importance of liquidity How the Rothschild family’s multi-generational wealth system led to their long-term success, and how you can apply similar principles The concept of Investor DNA June 2025 Income At-A-Glance: Gross Income for June: $72,580.44 Total Expenses for June: $13,414.02 Total Net Profit for June: $59,166.42 Difference b/t May & June: $9,802.02 % of net profit to overall gross revenue: 82%

Round Table | I Wouldn’t Do That Again: The Money Moves We Regret (and What We Built After)

Have you ever made a financial decision that you regret–one that left you questioning your choices and wondering how things could’ve turned out differently? In today's conversation, the financial coaches share the financial moves they regret the most and the valuable lessons they’ve learned from those experiences. From a costly dropshipping venture to real estate miscalculations, they take you through their mistakes and discuss how they bounced back stronger. If you've faced setbacks in your financial journey, you’re not alone. Tune in to find out how embracing mistakes can lead to smarter decisions and ultimately to financial freedom.

How to avoid the common traps that cause financial regret

How failure can lead to greater success in building passive income

The mindset shifts that can turn financial mistakes into long-term growth

What Billionaires Know About Investing That You Don’t with Bob Fraser

Most investors follow the same advice and end up with average results. The wealthiest investors play by a different set of rules. In this episode, you’ll learn exactly what they are. Today, Russ and Joey sit down with economist, investor, and author Bob Fraser to unpack the wealth-building strategies of the ultra-rich. Bob reveals why now is a critical time to rethink traditional investing advice and what accredited investors are missing out on. From generating true passive cash flow to identifying undervalued opportunities in sectors like energy, Bob shares insights straight from the billionaire playbook.

What billionaires do differently

How to generate more passive income

The type of investment opportunities to consider now

Bob Fraser

Bob Fraser is the co-founder of Aspen Funds, a fund management company focused on alternative investments. He is responsible for financial management, portfolio modeling, as well as systems and processes, designing and deploying Aspen’s scalable, state-of-the-art back-end platform.

Round Table | My Wealth Isn't Protected Like It Should Be

Building wealth is one thing, but protecting it is a whole other game. In today’s conversation, the financial coaches discuss asset protection and wealth management, revealing strategies that can safeguard your hard-earned money and shield your business from unexpected risks. Whether you’re a high-income earner or an entrepreneur looking to preserve your legacy or just want to make sure your wealth is truly secure, this episode is packed with actionable insights you won’t want to miss!

How the lack of proper asset protection can jeopardize your wealth

The advantages of infinite banking as a strategy for wealth preservation and access to liquidity

The common mistakes entrepreneurs make when it comes to taxes and retirement planning, and how to avoid them

The Hidden Cost of “Making It” as an Entrepreneur with Jay Reno

Have you ever wondered what happens after you sell your startup? In this episode, Jay Reno joins Russ and Joey to share his journey from building and selling his first company to exploring the world of startups and travel tech, and the lessons he learned along the way. He discusses his current venture, which helps people maximize their credit card points for free flights, providing travelers with incredible opportunities to fly for less.

The unexpected reality of exiting a company

The importance of passion and trying new things when building a business

How leveraging credit card points can provide incredible travel opportunities

Jay Reno

Jay Reno is the co-founder and CEO of Pointhound, which helps people find and book flights to fantastic destinations using credit card points and miles. He also leads Seed and Series A investments at 645 Ventures, where he serves as a Venture Partner. Investment areas include consumer, fintech, climate tech, and AI.

Round Table | How to Make an Extra $100K in 6 Months If Your Life Depended on It (with Less Than $5K and 10 Hours/Week)

Could you turn $5,000 into $100,000 in just six months, working less than 10 hours a week? In this episode, Russ and Joey invite Mark Podolsky and Sharran Srivatsaa to break down the exact strategies that can make this a reality. Russ shares how he leverages a lake house to create tax-free income through short-term rental events for entrepreneurs. Mark walks through how he would flip cheap land, using a strategic approach to buy and sell properties, while creating passive income. Joey introduces the Infinite Banking Strategy as a source of capital that generates returns without drawing on personal funds. Meanwhile, Sharran explains how to establish a scalable system for wealth creation in the form of a media company.

How to create tax-free income with short-term rentals

Land flipping for beginners

How to leverage IBC to fund your goals

How to Get Booked Solid at $800/Night Without Airbnb with Seth Bolt

Looking to level up in the short-term rental space? Seth Bolt shares the secrets behind his success with Bolt Farm Treehouse, a luxury treehouse retreat that boasts a 93% occupancy rate. In this episode, Seth joins Russ and Joey to discuss how his approach to providing value has led to impressive growth. He shares how creating unforgettable guest experiences and investing in quality design and hospitality have contributed to an exceptionally high occupancy rate.

The key to standing out in a competitive rental market

How to achieve exceptional occupancy rates

The business side of scaling a short-term rental business

Seth Bolt

Seth Bolt is a treehouse designer and builder. He built his first luxury, eco-friendly treehouse (The Majestic Treehouse) with his father, Larry Bolt. The two created this enchanting getaway by hand in 2015 for Seth and his wife’s honeymoon, and it became something much more than a honeymoon place.

Round Table | The Truth About Accredited Investor Status: What It Really Means—and Doesn’t

Have you ever wondered what it really means to be an accredited investor? Is it just a badge of the financial elite, or does it unlock a world of hidden opportunities? In this episode, the financial coaches dive into the truth about accredited investor status, revealing what it truly unlocks and the risks you may not be aware of.

What it takes to become an accredited investor

How accredited investor status unlocks private investment opportunities

The risks and misconceptions about accredited investing

Why Most Young Adults Are Building the Wrong Life with Daniel Espy

Do you want to build a life that aligns with your values and dreams? Today, Russ and Joey welcome Daniel Espy back to the show to discuss why many young adults are building the wrong life. Through his own life experiences and mentoring, Daniel challenges the common question, "What do you want to be when you grow up?" Instead, he encourages young people to consider what kind of life they truly want to build and how to approach life with purpose, autonomy, and a balanced approach to time and money.

The importance of asking, "What kind of life do you want to live?"

Why financial freedom, purpose, and time autonomy need to align for true happiness

How young adults can rethink career choices to prioritize a fulfilling, balanced life

Daniel Espy

Daniel Espy didn’t follow the traditional path to entrepreneurship. After years serving as a pastor and missionary, he transitioned into the world of e-commerce and built a thriving Amazon business rooted in faith, service, and financial freedom. Daniel founded Crown Rights Investing to help others design lives of purpose, margin, and Kingdom impact using business as the vehicle.

Round Table | Why Every Investor Needs Creative Financing in Their Toolkit

Are you tired of the traditional financing roadblocks? In today's conversation, the financial coaches delve into creative financing strategies for real estate investors, such as subject to, seller financing, and lease options, which can help you bypass the bank, unlock new opportunities, and generate passive income. With interest rates rising and prices still high, cash flow has become squeezed, making creative financing more essential than ever. If you want to learn how to unlock new opportunities and avoid the traditional financing bottleneck, don't miss this episode.

How creative financing can help investors bypass traditional financing hurdles

The benefits of deals where the investor takes over the seller's mortgage and potentially saves them from foreclosure

The power of seller financing and lease options

Inside the Industrial Goldmine Most Investors Overlook with Irwin Boris

Are you ready to discover why industrial real estate could be your next passive income goldmine? In this episode, Russ and Joey sit down with industrial real estate expert Irwin Boris, who shares this investment strategy for long-term success. Irwin explains why he prioritizes cash flow in industrial deals and how this move offers stability even in unpredictable markets. He highlights the advantages of investing in shallow-bay industrial properties, where tenants range from local craftsmen to larger businesses. Additionally, Irwin discusses the benefits of triple net leases, which shield investors from fluctuating operating expenses.

Why cash flow should be the primary focus for industrial investors

The benefits of shallow-bay industrial properties and multi-tenant spaces

How triple net leases work and shield investors from unexpected costs

Irwin Boris

Irwin Boris has over three decades of experience in real estate finance, investment, and asset management. He has worn various hats in the industry, including those of a direct lender, principal, investment banker, and advisor. Throughout his career, Irwin has been involved in more than $5.0 billion worth of real estate transactions.

Round Table | The Power of the Infinite Banking Concept: Dead or Alive

What if the way you’ve been planning for your family’s future isn’t as secure as you think? Traditional inheritance methods might leave your heirs with more headaches than wealth, so it's time to look into an alternative tool for building generational financial freedom. In this episode, the financial coaches delve into the Infinite Banking Concept (IBC) and explore how it can be leveraged for both living and post-death financial strategies. They discuss the limitations of traditional tools, such as 401(k)s, and how they often fail to provide sufficient flexibility for heirs, particularly due to the high taxes and complex rules surrounding inheritance.

How IBC provides a tax-free legacy for heirs

Why knowledge is more valuable than just money when it comes to wealth transfer

The steps families can take to start using IBC for multi-generational wealth planning

Our Real Passive Income Numbers + The Syndication Math You Can’t Ignore

Are you curious about syndications and how they can generate passive income for you? In this episode, Russ and Joey dive into the world of syndications, breaking down the different structures and how they can impact your passive income. They explore key differences between syndication payout models and why understanding them can make all the difference in your investment strategy. They also share real insights from their May 2025 passive income report. Understanding how these structures work can help you avoid common pitfalls and align your investments with your goals for financial freedom. Don’t miss this insightful episode that could change the way you approach passive income! Top three things you will learn: The two common syndication structures and how they affect returns How to assess syndication deals based on your financial goals The importance of asking the right questions before investing in syndications May 2025 Income At-A-Glance: Gross Income for May: $63,620.54 Total Expenses for May: $14,256.14 Total Net Profit for May: $49,364.40 Difference b/t April & May: $8,660.31 % of net profit to overall gross revenue: 78%

Round Table | Why Infinite Banking Wins Over 401(k)s and IRAs

Are you tired of traditional savings accounts that don’t seem to get you anywhere? Today, Russ and Joey welcome Chris Miles of Money Ripples to discuss the powerful synergy between infinite banking and passive income. Chris shares how his journey from traditional financial advising to alternative investments transformed his financial outlook, revealing the strategies that helped him retire early and build lasting wealth. The trio also discusses the pitfalls of relying solely on savings accounts and emphasizes the importance of using whole life insurance as a tool for wealth building.

How infinite banking can be used to create long-term wealth

Why traditional savings accounts fall short in building financial freedom

Insights on leveraging real estate and lending for passive income