Everyone teaches you to save. The wealthy teach you to think.

In this episode of MyFinJourney, host Mustafa Ladha is joined by Ryan Zabrowski, senior Portfolio Manager at Cryology, Marine veteran, and author. Ryan shares insights from reading over a thousand books on investing and decades of managing millions in assets.

They discuss what truly separates average investors from the wealthy, how the wealthy invest wisely in uncertain times, and the lessons we can learn from Warren Buffett.The conversation covers behavioral finance, the psychology of investing, strategies for handling bear and bull markets, and advice for young investors on building wealth. Ryan emphasizes the importance of investing in cash-flowing assets, understanding leverage, and the value of patience and discipline. This episode is ideal for anyone looking to deepen their understanding of investing and build a solid financial future.

You’ll Learn:

• The 5 Percent Rule — how the rich remove fear from investing

• Behavioral finance secrets Wall Street won’t tell you

• Why risk is never static (and how to measure it like a pro)

• Buffett’s real rule — “be greedy when others fearful” decoded

• Tactical allocation that wins in bull & bear markets

• The path from $0 to $5M using discipline + real estate leverage

• How to build wealth with math

Episode Chapters:

(00:00) Introduction and Guest Welcome

(00:44) Ryan Zaki's Background and Early Career

(01:25) Behavioral Finance and Investment Psychology

(08:10) The Importance of Tactical Allocation

(10:42) Investment Strategies in Bull and Bear Markets

(16:27) Common Mistakes in Wealth Building

(21:18) Active vs. Passive Investment Debate

(26:42) The Importance of Being Comfortable with Booing

(27:46) Can the Average Person Become Wealthy Through Investing?

(29:05) Steps to Building Wealth from Scratch

(32:18) The Role of Education and Mentorship in Financial Success

(34:11) Learning from Warren Buffet's Shareholder Letters

(37:31) The Reality of Passive Income

(42:26) Teaching Financial Principles to the Next Generation

(47:20) Conclusion and How to Connect with Ryan

🔗 CONNECT WITH RYAN ZABROWSKI

LinkedIn: https://www.linkedin.com/in/ryan-zabrowski-cfp%C2%AE-msf-08830b325/

Email: [email protected]

🔗 CONNECT WITH MUSTAFA LADHA (HOST)

LinkedIn: https://www.linkedin.com/in/mustafa-ladha/

YouTube: https://www.youtube.com/@my.finjourney

Spotify: https://open.spotify.com/show/5UmpEcnU2Z0UxxDuvenmNx

Apple Podcasts: https://podcasts.apple.com/us/podcast/myfinjourney/id1815511353

If you’ve ever feared running out of money in retirement, or wondered why hard work isn’t translating into wealth — this episode will change how you think about money forever.

⚡ Don’t wait until it’s too late. Invest in yourself NOW.

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💬 Comment: What’s the smartest investing lesson you’ll apply this year?

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