The Shawn Ryan Show #267 Rob Luna - 50-Year Mortgages, Government Band-Aids, AI Job Cuts and the Middle Class
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Jan 1, 2026 
Rob Luna, a wealth strategist and CEO of Valtrion, discusses the intricacies of long-term financial planning. He highlights the dangers of reactive tax strategies and emphasizes the need for proactive planning to preserve wealth. Luna warns that AI will disrupt the job market, favoring specialized workers over the average middle class. He critiques temporary policies like 50-year mortgages, arguing they undermine long-term responsibility. Luna also shares insights on investing in precious metals and the importance of early child savings for financial growth.
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Proactive Year-Round Tax Planning
- Start tax planning at the beginning of the year and coordinate CPAs, bookkeepers, and advisors under one roof.
- Use legal strategies to minimize taxes and reinvest savings into your business and family.
AI Compresses A Decade Into A Year
- AI accelerates change so rapidly that every year feels like a decade for business and personal life.
- People and companies that adapt quickly will capture outsized opportunity while others face unemployment risk.
From Day Laborer To Proud Small-Business Owner
- Shawn describes hiring an immigrant carpenter who built his studio and then scaled into his own crew and business.
- The story illustrates trades work, pride, and the modern route to the American dream.