

Rich Habits Podcast
Austin Hankwitz and Robert Croak
Introducing the Rich Habits Podcast — a financial literacy podcast for anyone ready to take back control of their money by implementing new habits.
Join Robert Croak and Austin Hankwitz every Monday, Thursday, and Friday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money.
Robert is a decamillionaire with 30+ years of business experience and $200M+ of company exits under his belt, while Austin is an entrepreneur in his 20s eager to learn.
Join Robert Croak and Austin Hankwitz every Monday, Thursday, and Friday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money.
Robert is a decamillionaire with 30+ years of business experience and $200M+ of company exits under his belt, while Austin is an entrepreneur in his 20s eager to learn.
Episodes
Mentioned books

Feb 29, 2024 • 32min
Q&A: Living in a Tiny Home, Berkshire Hathaway, and Bitcoin ETFs
Exploring topics such as options trading transparency, Bitcoin ETF recommendations, financial planning, dividend stocks, affordable housing, and investment analysis of Berkshire Hathaway stock. The podcast also warns against cryptocurrency scams and introduces a new options trading feature on public.com with revenue sharing.

Feb 26, 2024 • 32min
53: It's Our Birthday! Rich Habits Year in Review
The hosts reflect on the first year of the podcast, sharing milestones and viral video success. Topics include building wealth through strategic financial strategies, navigating portfolio diversification, and maximizing returns with index funds. Insights on AI and cryptocurrency investments, starting with tech ETFs, and wise investments for tax planning are also discussed.

Feb 22, 2024 • 15min
Q&A: Retiring in Your 40s, Keeping $30K in Cash, and Late Roth IRA Contributions
In this podcast, the hosts answer questions about retiring in your 40s, the importance of Roth IRA, and keeping $30k in cash. They discuss strategies for investments, balancing retirement savings with real estate, and making informed investment decisions for future financial stability.

Feb 19, 2024 • 33min
52: The 3 Most Important Mindset Shifts Everyone Needs to Make
Explore the key mindset shifts needed for financial well-being, overcoming mental challenges, art investment opportunities, tax filing advice, multiple income sources, and embracing challenges for success.

Feb 15, 2024 • 35min
Q&A: LLC vs. Sole Prop, Consolidating Investments, and the Avalanche Method
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
Public has finally released options trading on their platform! To learn more about all of the product features Public offers, click here!
---
Watch the replay of our Covered Call webinar, click here!
Check out our Credit Card Benefit Matrix, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Options are not suitable for all investors and carry significant risk. Certain complex options strategies carry additional risk. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more.
For each options transaction, Public Investing shares 50% of their order flow revenue as a rebate to help reduce your trading costs. This rebate will be displayed as a negative number in the “Additional Fees” column of your Trade Confirmation Statement and will be immediately reflected in the total dollars paid or received for the transaction. Order flow rebates are only issued for options trades and not for transactions involving other assets, including equities. For more information, refer to the Fee Schedule.
All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information.

Feb 12, 2024 • 31min
51: The 3 Mistakes That Keep High-Earners Living Paycheck to Paycheck
In this episode of the Rich Habits podcast, Robert Croak and Austin Hankwitz share the three mistakes they see high-earners commonly make that cause them to live paycheck-to-paycheck.
---
Watch the covered call webinar replay, click here!
Check out our Credit Card Benefit Matrix, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc

Feb 8, 2024 • 29min
Q&A: Our New Credit Card Benefit Matrix, Investing a Windfall, and Margin Loans
The hosts discuss a new credit card benefit matrix, options trading, and a sponsor who offers a revenue share with customers. They also discuss the importance of zooming out when making investment decisions and address a question about municipal bonds. Additionally, they introduce a new tool that optimizes credit card spending based on individual benefits and preferences.

Feb 5, 2024 • 35min
50: Real Estate is Not the Best Way to Get Rich in 2024
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz delve deep into their theory -- real estate is not the best way to get rich in 2024.
Products, brand building, and services will allow you to generate cash flow quicker (and without as much debt) than real estate. Let's dive in!
---
Public has finally released options trading on their platform! To learn more about all of the product features Public offers, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Watch the replay of our covered call webinar – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc

Feb 1, 2024 • 25min
Q&A: NACA Loans, Co-Signing Student Loans, and Depreciating Real Estate
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
Public has finally released options trading on their platform! To learn more about all of the product features Public offers, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Watch the replay of our covered call webinar – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Options are not suitable for all investors and carry significant risk. Certain complex options strategies carry additional risk. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more.
For each options transaction, Public Investing shares 50% of their order flow revenue as a rebate to help reduce your trading costs. This rebate will be displayed as a negative number in the “Additional Fees” column of your Trade Confirmation Statement and will be immediately reflected in the total dollars paid or received for the transaction. Order flow rebates are only issued for options trades and not for transactions involving other assets, including equities. For more information, refer to the Fee Schedule.
All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information.

Jan 29, 2024 • 38min
49: Scaling a Small Business to Millions w/ Candace Nelson
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Candace Nelson.
Candace co-founded Sprinkles Cupcakes with her husband, Charles, in 2005. In 2012, they sold the business for 10s of millions to a private equity firm.
In this conversation, we discuss scaling a business from scratch, essential mindset shifts entrepreneurs need to make, as well as the compounding effects of small efficiencies.
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You can follow Candace on TikTok, Instagram, and Substack! You can also find her book, Sweet Success, on Amazon.
---
Public has finally released options trading on their platform! To learn more about all of the product features Public offers, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc