Conversations with business leaders and changemakers on how they built their business and what keeps them going.
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The legal services landscape is changing. Virtual, Fractional and outsourced solutions are becoming real legal options for companies. Attorney Brian A. Hall, is the Founder of TraverseGC.com, a fixed fee subscription service offering from the national law firm Traverse Legal, PLC. Brian is a thought leader and trailblazer hoping to inspire law firms and attorneys to modernize and elevate the practice of law while exploring issues facing companies and their legal departments.
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Welcome to the AJ Osborne Podcast. Twice a month, I’ll sit down with guests or fly solo to share incredible stories, give my take on today’s economy, and show you how to build wealth the right way. We bring high-value guests - solely for the purpose of long-form, high-impact discussions. By working together, we can build a better future for ourselves and our families. Find our video podcast on YouTube: https://www.youtube.com/playlist?list=PLoaCszL7eN9T7EixaJgL49WTLsT-CWLD1
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22. The Success “Recipe” Top 1% Families Teach Their Kids w/Scott Donnell
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47:31The wealthiest, happiest families in the world use a success “recipe” to raise their children. This leads to happier, healthier, more successful families, while most average Americans struggle to figure out how to teach kids about money. You may be used to fights and tantrums, children refusing to do their chores, and feeling forced to bribe them w…
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From Probate to Protection: Why Estate Planning Starts Now
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35:46In this episode of Letters of Intent, hosts Pankaj Raval and Sahil Chaudry welcome Justin Gordon, a trusts and estates attorney who practices with his father at Gordon and Gordon. Justin shares insights on estate planning, including the differences between wills and trusts, common misconceptions, and why everyone should consider getting their affai…
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21. How I Built My $400,000,000 Business from a Wheelchair
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44:24I grew a $400 million business from scratch, in a wheelchair, and starting around the Great Recession. Almost everything was against me from the beginning. People told me my business would fail and my assets were worthless; banks laughed us out the door when we asked for funding. Then, suddenly, one day, my business needed to run on its own when I …
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From Law Firm to Credit Repair: Shiva Bhaskar's Journey as an Attorney Entrepreneur
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39:54In this episode, Pankaj and Sahil interview Shiva Bhaskar, an attorney-turned-entrepreneur who founded Tier One Credit. Shiva shares his unique journey from working at law firms to becoming a real estate broker in New York before establishing his current business. He discusses common credit report myths, how his company helps consumers legally chal…
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20. Trauma & Money: Choosing Growth Over Giving Up
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39:56Today, we’re talking about the “T-word”… trauma. Before you click away, this is not a downer episode. If you’ve been through trauma, big or small, you know how hard it is to bounce back. For me, without trauma, I wouldn’t have this podcast, my businesses, my wealth, my financial freedom, or much of the gratitude for life I take with me every single…
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If It Don’t Make Dollars, It Don’t Make Sense: Merging Wisdom, Spirituality, and Legal Insights with Robby Pinnamaneni
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36:10Los Angeles attorneys and Carbon Law partners Pankaj Raval and Sahil Chaudry sit down with attorney Robby Pinnamaneni, who shares his unconventional career path from prestigious law firms to working as a $13/hour bud tender in the cannabis industry before raising $50M for a vertically integrated cannabis company. Robby discusses how his spiritual p…
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Trump Trade War (The Art of the Deal Gets Dealt a Blow)
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23:35In this episode, Pankaj Raval and Sahil Chaudry discuss the escalating US-China Tariff War, focusing on the implications for international law, intellectual property, and global commerce. They explore the recent tariff increases, China's retaliatory measures, and the new regulations affecting foreign intellectual property disputes. The conversation…
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Uplift and Align: The Secret Sauce to Wooing Your Ideal Clients
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42:23
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42:23In this episode of Letters of Intent, host Pankaj Raval welcomes messaging expert Michael Liebowitz who shares powerful insights on how business owners can transform their messaging to connect with their ideal clients. Michael explains the neuroscience behind effective messaging, demonstrating how beliefs—not features or benefits—drive client decis…
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Special Edition: Trump Tarrifying the World (Legal Implications and Ways to Address the Upcoming Tariffs)
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13:55summary In this episode of Letters of Intent, Pankaj Raval and Sahil Chaudhry discuss the significant implications of the new tariffs introduced by the Trump administration. They explore how these tariffs affect businesses, particularly small to mid-sized enterprises, and provide insights into navigating the regulatory landscape. The conversation c…
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19. The Billionaire Problem: Why the Rich Thrive While Americans Barely Survive
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30:09The billionaire problem: ultra-wealthy business owners and investors aren’t paying into the tax system. The Warren Buffetts of the world are getting wealthier while average Americans struggle to buy necessities like groceries. So, how do the ultra-rich avoid paying taxes? Would a “billionaire tax” work and finally force the ultra-wealthy to fork ov…
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Letters of Intent: Musk Goes Crazy Ex-Boyfriend and Sues OpenAI
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33:14Hosts Pankaj Raval and Sahil Chaudry examine Elon Musk's lawsuit against OpenAI, unpacking how its transition from nonprofit to "capped profit" model led to legal challenges. They analyze the core issues: breach of contract claims, fiduciary duties, and Microsoft's $10 billion investment raising antitrust concerns. As experienced attorneys who prov…
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18. Fractional General Counsel: How Small Businesses Can Fight Like the Big Guys w/Jeff Holman
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39:45What is “fractional general counsel,” and why was not having it one of the biggest business mistakes I ever made? Whether you’re a startup, a self storage operator, or a growing small business, you rarely think about “legal.” You know that big companies will happily pay hundreds of thousands, if not millions, of dollars a year to protect their prod…
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17. 2025 Worst Case Scenario: The Downfall of the United States
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44:142025 could mark the beginning of the downfall of the United States—and this isn't just clickbait or a catchy intro. The impending economic crisis facing the US economy isn't straightforward; it involves complex factors that could escalate rapidly into a full-blown economic crash with long-lasting implications for you, your money, your business, and…
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16. 3 Money “Truths” the Rich Know (But the Poor Don’t)
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25:58
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25:58What if everything you thought about money and making money was wrong? For centuries, most people have been fed a series of money lies, preventing them from building wealth or escaping poverty. When recessions and economic depressions happen, those believing these lies get wiped out, forcing them to restart while the rich take advantage. To break f…
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15. 4 Stages to Building a Billion-Dollar Business
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34:27How do you build a billion-dollar company? Knowing the “four stages” of business growth will help you not only get to your first million or hundred million but also a billion-dollar business valuation. Maybe you don’t want to build a massive, billion-dollar business. That’s fine! You can use the initial stages to build multimillion-dollar wealth, j…
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14. America’s Unfixable Economy: Are We Headed for Another Great Depression? w/Economist Lauren Saidel-Baker
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41:03The next great depression is coming faster than many of us realize, but this time, it won’t be because of the stock market, the real estate market, bad banking practices, or anything we’ve seen before. Instead, the government will be the one to drive us into a depression, and only those who are watching the economic signs will see it coming. If you…
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13. The Small Business Blueprint: How to Start WITHOUT a Ton of Money w/Brian Hamilton
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56:25Most people have the wrong idea about entrepreneurship and how to grow a small business. The average Shark Tank viewer thinks you need the next innovative idea and a boatload of venture capital to become a successful small business owner, but that couldn’t be further from the truth. Looking to start your own business in 2025? You won’t want to miss…
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12. How to Build Wealth from Nothing in 2025 (The 3 Wealth Stages)
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44:09
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44:09This is precisely how to build wealth in 2025. Most people (mistakenly) believe that they just need to work “hard” enough to become wealthy—this isn’t the truth. In fact, this will prolong your journey to financial freedom and millionaire status. After going from digging ditches for extra money to becoming the leader of multiple seven-, eight-, and…
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11. “Don't Believe Them!” Trump’s Top Economist on the Fed, Interest Rates, & DOGE w/Andrew Busch
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49:03Are interest rates really going to fall in 2025? Could DOGE (Department of Government Efficiency) actually clean up the federal government? Will tariffs cause more harm to the US than we think? One of the most qualified people to address these issues is former US Chief Market Intelligence Officer Andrew Busch. And he’s got a lot to share about the …
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10. Why “Smart Money” is Hoarding Cash and Preparing for 2025 w/M.C. Laubscher
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51:23How does “smart money” always seem to be ahead of the curve? The world’s most prominent investors, like Warren Buffett, are slowly selling off their assets and moving their positions into cash. Do they know something that we don’t? What are they preparing for in 2025? And is this next economic cycle going to help or hurt average investors? Instead …
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10. Want Health & Wealth? What 9-Figure Serial Entrepreneurs Say You MUST Do w/Mike & Bo
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58:03Do you have the makeup of a serial entrepreneur or successful real estate investor? If you’re looking to time the market and make a quick buck, probably not. But if you’re willing to sacrifice, help others, and play the long game, you might just have what it takes, in which case this episode is for you! Mike and Bo are business partners who have bo…
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9. Election Aftermath: What Investors Need to Know About the Red Wave's Impact
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55:21In today’s episode, I’m breaking down the massive red wave from last night’s election and what it means for investors, business owners, and anyone paying attention to the economy. We’ve got one party in control of the House, Senate, and White House, and this shift is going to impact everything from inflation and interest rates to government spendin…
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8. I’m Finally Sharing My Political Views – The Impact of U.S. Policy on Your Wealth and Investments
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1:00:12In this episode, I’m opening up about my political views for the first time and discussing how U.S. policies shape wealth building, personal finance, and investment strategy. I’ll cover everything from the effects of inflation on generational wealth to the economic divides between states like California and Texas. My goal is to give you a clear loo…
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7. How I Acquired a Failing Business and Tripled Sales in Weeks
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28:01Disclaimer: This video contains discussions about hunting and the hunting industry, we understand this may not be suitable for all viewers. In this episode, I dive into how I acquired a struggling business in the hunting industry and managed to triple its sales within weeks. With decades of entrepreneurial experience, I share why I believed this ac…
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6. The Data-Driven Decisions That Will Make You Wealthier w/Sharad Mehta
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41:00Real estate investors and entrepreneurs: if you pay attention to what today’s guest explains, your wealth, revenue, and successful decision-making will explode. This is something I’ve personally found evidence of while running multiple businesses, and even though it seems simple, it can have profound effects on everything you do. If you get this ri…
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5. The Twitter “War” on Investors and Why Most Americans Shouldn’t Invest
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44:46
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44:46For years, I thought every American should be investing. After all, it’s the American dream to work hard, build wealth, own property, and lead your family to financial prosperity. But I’ve changed my tune after recent events, probably for good. I no longer think most Americans can handle the pressure of owning businesses, real estate, or an extensi…
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4. 80-Hour Workweeks to Ultimate Passive Income and Time Freedom
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51:49After another 80-hour workweek and realizing his kids’ lives were passing him by, Spencer Hilligoss knew he needed to start making passive income. The problem? His time was chained to his tech job’s high pay and long hours. Spencer loved what he did, but the job took away more than he was comfortable with. He hadn’t seen his young son in weeks, and…
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3. Is the Dollar Going Away? Whether BRICs Have a Shot at Dethroning the Dollar with Emmanuel Daniel
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51:59Will the US dollar be replaced? Could we be on the cusp of de-dollarization as more and more countries search for reserve currency alternatives? Is America’s spot as the number one economy in the world up for grabs? Emmanuel Daniel, entrepreneur, advisor, founder of The Asian Banker, and author of The Great Transition, is on the show to discuss the…
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2. Losing His Leg and Rebuilding His Identity After Surprise Attack in the Middle East w/Green Beret Nick Lavery
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53:39Nick Lavery, Green Beret and Army Special Forces member, has been shot, blown up, and beaten down. After an insider attack in Afghanistan left him without a leg, Nick wasn’t supposed to return to the Army. He’s had over thirty surgeries, lived with excruciating pain, and had his physical power taken from him. But now, he’s back, and he’s had to ada…
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1. The Biggest Opportunity Since the 2008 Crash is Coming…Are You Ready?
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46:23We’re on the cusp of the biggest investment opportunity since the 2008 crash. Investors are fleeing from real estate, scared of its apparent risk, but in a couple of years, they’ll be the same investors wishing they had bought NOW. And this isn’t just theory. We’ve been buying deals at MASSIVE discounts that could make us unprecedented returns over…
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33. Steve Trang: Why Real Estate is NOT the ONLY PATH to Financial Freedom
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34:20Real estate is a touchy subject: tenants and landlords don't like each other. Tenants believe they are subservient to them, and landlords believe they SHOULD be. Or are the perceptions of each side drastically different than the reality? In addition, why is our school system so flawed, that most people aren't taught about the best way to make a liv…
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32. Cybersecurity expert on role of AI in modern business w/ Darren Gallop
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48:24Cybersecurity is highly technical. You and I probably would not be able to understand a lot of the terms or systems or coding behind it. But revolutionary improvements come from the practical application of technology. So, how do we leverage the tech available to us in our own personal and professional lives? Is it truly the next step for modern bu…
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31. What's happening to AirBNBs? - Short-Term Rentals w/ Avery Carl
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32:49Avery and her husband had a great idea one day to purchase a home and to rent it out, in hopes that one day, they will be able to help fund their kids' education with the income. They didn't even know this was known as "Real Estate Investing." At the time, there was no such thing as podcasts or courses to talk about this. This idea then morphed int…
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30. Buying Real Estate in 2024 with...Letters? Direct Mail Marketing w/ John Klingelhoets
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37:05Real estate investing has two forms: active and passive. Passive is what most people think of when you say real estate investing, where you buy an asset, and it generates some sort of cashflow for you. Active investing takes this and applies the principles of business, including scale, value-add, management, and more. Today's guest, John Klingelhoe…
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29. Can you CREATE LUCK in your Life & Business?
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32:52Can luck dictate one's success in business? Absolutely. But looking at another's success or luck does not mean that you lose something in exchange. Luck is something I fully believe can be CREATED. For example, when I was paralyzed and stuck in a hospital bed, many may say - how is that lucky? That seems like terrible luck. But looking back today, …
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28. SIGNAL vs NOISE - Why the News Media's Reality isn't Yours
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35:052024 is yet another pivotal election year for the United States. But if we've learned anything from the last few elections, there is a tremendous amount of fearmongering, noise, and propaganda that can result from a journalistic system incentivized by money and clicks. This is why I'm HYPER-aware of anything that intends to change or influence my p…
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27. How 18% Interest Rates changed the Housing Market - Will we ever go back?
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47:05My dad, Ron, lived in a time where mortgage interest rates were 18% - the highest in US history. He assumed he would never be able to own a home, and he would be renting forever. He had friends going down to the bank to get 12% interest on a Certificate of Deposit (CD). It was absolutely bonkers. He was just trying to get started, as a young man. T…
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26. How the US Saved the World - and Why It's Stopping
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55:46The US had a huge role in shaping the world the way we know it today. It's role in international wars, politics, and economics has been astounding, particularly for a country so young. It's done a lot of bad, it's done a lot of good. But with the way the world is today...is the era of "good" over? Let's talk about the assumption that the way we per…
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25. Consumerism & Capitalism: Understanding the Money Cycle
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41:02Capitalism is a function of money - the economy. It’s all about serving other people. What you can trade, what you can offer or sell, what problem you can solve for a certain price. As a society, we put a lot of focus on the consumer side - or “consumerism” - of capitalism. The never ending cycle of making money and spending money. And it impacts u…
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24. Waking up to Problems: Lessons from the Hospital Bed w/ Mauricio Rauld
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43:37After multiple, back-to-back surgeries, Mauricio was in the hospital for 5 weeks. But he had a law firm to run, and was working out of his laptop in his hospital bed. This proved to be unsustainable and unhealthy. But far too often, entrepreneurs think of their own abilities as the only way to get something done. When it comes to business, that's a…
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23. What the Fed Lowering Interest Rates means for the Economy
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31:34The Fed announced several rate drops that could possibly happen in 2024, quite the surprise since they hiked rates dramatically to fight inflation not so long ago. What does this mean for the American Economy? In this episode, we will discuss the ramifications of these interest rate changes, updates to the monetary policy, the aftermath of the year…
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22. How (almost) losing everything changed my outlook on business
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33:17Selling health insurance is not glamourous by any means. But that' what my dad and I did for years and years. It felt great for a while. My success and income was based on how much I sold. It felt like I was my own boss. But I got stuck on this treadmill. Eventually, I wanted to grow faster, and faster. I got greedy and prideful. Wanting more isn't…
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21. How bad is the American Economy, Really?
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46:00Housing prices are up. Food prices are up. Everything is up, and life can seem bleak. But just how bad is the American economy doing, really? As we know, news headlines about recessions and high interest rates can cause a lot of stress and worry. But the mainstream news reports don't always reflect reality. In today's episode, we cover the hard tru…
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Companies are hurting right now. The market is TERRIBLE for investors and business sharks alike. But the truth is, "you don't know who's swimming naked until the tide goes out" - Warren Buffett. But the United States remains a top choice for investors even during tumultuous times. It's legal structures and consumer laws still are lucrative for many…
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Financial freedom is a matter of creating an income that can support your lifestyle without consuming all of your time. For most people, financial freedom seems unattainable because of how jobs are set up. The 9 to 5. Research suggests that over 85% of all entrepreneurs (the successful ones) would be paid MORE if they took a 9 to 5 job versus doing…
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18. The Harsh Truth about Financial Independence
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40:20News flash: you won't get financial freedom by buying a house. There, I said it. It's the harsh truth. You might be able to with 20 or 30 properties, but then who's going to manage it for you? Are you making enough to hire a property manager? Can you keep up if you don't? I learned this truth the hard way. The job I wanted to quit, the business I w…
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17. The Real Estate Affordability Crisis - Should you be worried?
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29:31Real estate is more expensive than ever, and the Fed's efforts to bring down inflation are hurting the very people they said they would help: the middle class. Your average home sale price has been astronomical for the past few years, with the new interest rate hikes creating even more of an affordability crisis. It's only a matter of time before i…
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16. Why I have 70 LLCs - Company Breakdown
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39:42Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest In this episode, we're discussing the myth of being "self-made." Are there any successful people that got there completely on their own? We're diving into the behind-the-scenes of the business world, using my portfolio and co…
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15. What's your best chance at success? | Lessons from FBI Negotiator Chris Voss
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48:45Chris Voss is a former Lead FBI Negotiator and dynamic speaker who debunks the biggest myths of negotiation. And he has been seen on Forbes, Time, CNN, Fox News, and more, and is author of Never Split The Difference©. One of his golden rules for negotiation is: "Thou shalt not envision only one outcome." This is true for your personal life, career,…
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14. How to Effectively Lead others in your Life | Organizational Leadership
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40:00Within any organization, leadership is essential to a functioning team. Sometimes, changing how a leader leads their team is required to achieve success. But change hurts. Change is uncomfortable. Change is subjective. Politicians are a prime example of what NOT to do. They make promises that they don't follow through with. They enact policies that…
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