Wealth Juice | Real Estate, Personal Finance, Investing

Most people think development is only for the big dogs with deep pockets. It is not. In this episode, we sit down with Dustin Baldwin to break down the Build to Rent blueprint and how everyday investors can manufacture equity instead of waiting for appreciation. Dustin walks through his development take on the BRRRR method (build, rent, refinance, repeat) and explains how he takes a simple infill lot and turns it into a cash flowing asset that can pay you back and keep paying you. We talk through how the numbers actually work, why new construction can be a smarter rental play in today’s market, and how building the asset from the ground up changes your risk, your insurance, and your long term upside. We also get into how Dustin thinks about exit options, why having multiple ways to win matters, and what has changed in this market now that land prices and rates are higher. If you have ever wanted to scale rentals but felt boxed in by tight deals, high maintenance, or thin margins, this conversation will show you a different path.This is the episode for anyone who wants to stop hunting for perfect deals and start building their own. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

What happens when you stop trying to do everything yourself, and instead find the right partner? In this episode, we sit down with Jake Culleny and Rob Fink, two real estate investors who met at a networking event and turned a simple conversation into a powerhouse partnership. Jake got his start in property management before becoming a real estate agent in New Jersey. Rob was already deep in the world of house flipping. Together, they realized they filled each other’s gaps - and Community Developers was born. Since teaming up, they’ve completed 50+ flips, 10+ new builds, and built a thriving investing and development business across South Jersey - with 10+ deals in their very first year alone. This conversation breaks down the real power of networking, how to identify the role you should play in a partnership, and why putting yourself in the right rooms can completely change the trajectory of your business. If you’re looking to scale faster, stop doing it alone, and build something bigger than yourself - turn up the volume on this one. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

If you’ve ever felt torn between being fully present and fully committed, this episode is for you. When you’re building something meaningful, the idea of work life balance sounds nice, but it rarely reflects reality. The business doesn’t shut off. The responsibilities don’t pause. And trying to perfectly separate the two often creates more tension than peace. In this episode, we talk about why integration matters more than balance. Why entrepreneurs don’t need a clean line between work and life, but a better way to weave the people they care about into the journey. We share how communication, expectations, and alignment have played a bigger role than any schedule or system ever could. We get honest about what it looks like to build while people are depending on you. How resentment builds when the vision isn’t shared. Why different seasons demand different levels of focus. And how being present isn’t about doing less, but about being intentional with what you’re doing and why. This conversation is for anyone trying to grow without losing themselves or the people they’re building for. Not perfect answers. Just real perspective from the middle of it. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

The fastest way to kill momentum in business is scaling before you are ready. We learned that the hard way. For a long time, we thought growth meant doing more. Hiring faster. Adding systems. Spending money to buy speed. What we didn’t realize was that piling more on top of a shaky foundation doesn’t create momentum. It quietly bleeds it. This episode is a candid look back at what the past year actually taught us. Not the highlight reel, but the moments where things felt like they were moving forward until the numbers told a different story. We talk about where we scaled too early, the investments that didn’t pay off, and how chasing growth almost cost us focus, profit, and clarity. We also break down what changed everything. Slowing down. Cutting complexity. Doubling down on what was already working instead of chasing the next shiny tactic. The real unlock wasn’t more effort. It was better decisions. You’ll hear how we’re thinking about money, time, and energy heading into 2026, the filters we’re using before making new investments, and how simplifying the business has created more leverage than any new system ever did. If you’re building a business, investing in real estate, or trying to scale anything while juggling real life, this episode will help you spot where momentum leaks actually come from and how to fix them before they get expensive. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

Most investors assume the only way to buy rental properties is through a traditional bank. Perfect W2 income. Clean tax returns. Endless paperwork. For anyone who is self employed, owns a business, or already investing, that system is broken. And it stops people from ever getting started. In this episode, Cory sits down with Jonathan Yoo and Dustin Rosenberg, co founders of Convoy Home Loans, to break down how everyday investors are buying and scaling rental properties without relying on traditional banks. They explain the lending tools most people never hear about, including DSCR loans and non bank financing options that focus on the property’s income instead of your personal tax returns. We walk through how these loans actually work in plain English, who they are best for, and when they make sense for beginners versus experienced investors. Jonathan and Dustin also share what they are seeing across markets nationwide, why waiting for perfect interest rates can cost you years of progress, and how investors are using today’s quieter market to buy smarter while others sit on the sidelines. This conversation also dives into partnership, building a business alongside investing, and why understanding financing early gives you a massive advantage long term. If you are trying to buy your first rental, scale past a few properties, or feel stuck because banks keep saying no, this episode will show you a simpler path forward and help you rethink what is actually possible.This is not about gaming the system. It is about learning how the system really works so you can use it with confidence. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

Freedom does not come from one big win. It comes from knowing your bills are paid whether you show up or not. Brian Tran learned that lesson early. Raised in an immigrant family that came to this country with nothing, he watched his parents work nonstop just to survive. Hard work was never the issue. Stability was. That experience shaped how Brian thought about money, risk, and what real security actually means. Instead of chasing fast wins, Brian focused on building cash flowing rental properties first. Not to get rich overnight, but to create breathing room. Monthly income that showed up consistently became the foundation that allowed him to take bigger swings later without putting his family or future at risk. In this episode, Brian breaks down how rental properties became the engine behind everything he built. From flipping homes to scaling multiple businesses, those steady checks gave him confidence, leverage, and optionality most people never experience. When things worked, he scaled. When things did not, his life did not collapse. We also unpack how he invested out of state from high cost markets, why cash flow matters more than hype, and how stable income completely changes how you approach risk, growth, and opportunity. This episode is not about shortcuts. It is about building a base so strong that you can bet on yourself without fear. If you want wealth that supports your life instead of controlling it, this conversation will change how you think about money and real estate. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

For years, Mark Rampolla believed the same thing most driven entrepreneurs believe. Work harder. Scale bigger. Make more money. Then freedom will come. He followed that formula perfectly. Mark founded ZICO Coconut Water, scaled it over nine years, and sold the company to Coca-Cola for over two hundred million dollars. From the outside, it looked like the ultimate win. But instead of feeling free, Mark felt more trapped than ever. Overcommitted. Stressed. Disconnected from his health, his relationships, and the life he thought success was supposed to buy him. That moment forced a realization that reshaped everything. Freedom is not the reward at the end of the journey. It is the foundation that makes real success possible. In this conversation, Mark breaks down how chasing future freedom keeps entrepreneurs stuck in perpetual pressure and why so many high performers feel empty even after “winning.” He shares how redefining freedom changed the way he builds companies, leads teams, invests capital, and lives day to day. You will hear how presence, clarity, and alignment are not soft ideas but practical advantages that lead to better decisions, stronger businesses, and more sustainable growth. Today, as Co Founder and Managing Partner of GroundForce Capital, Mark helps founders scale without burning themselves out and build companies that support their lives instead of consuming them. This episode is a powerful reset for anyone who feels like success keeps moving the finish line. If you are building something big and don’t want to lose yourself in the process, this conversation will change how you think about ambition, freedom, and what winning actually looks like. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

In this episode, we break down how two friends, a real estate agent and an insurance agent, started a podcast and unintentionally built powerful personal brands that directly impacted their businesses. What began as simple conversations turned into a virtual resume that positioned them as trusted experts long before prospects ever reached out. We explore why podcasting works especially well for relationship driven industries like real estate and insurance, where trust and familiarity matter. The goal of their content was to build name, image, and likeness and create know, like, and trust at scale. By letting people get familiar with them through long form content, their podcast worked around the clock, allowing listeners to connect on their own time without the need for constant in person networking. This conversation breaks down how a podcast helps real estate agents establish authority, stay top of mind, and shorten the sales cycle, while insurance professionals can use content to educate prospects and generate warmer inbound leads. If you are a service based entrepreneur looking to grow through personal branding, this episode shows how podcasting becomes a long term marketing asset that compounds over time, even while you are sleeping. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

Most people think wealth is built by picking the right stock, the right deal, or the right time. In reality, wealth is built by understanding the rules of the game before everyone else does. And those rules are changing fast. In this episode, we sit down with Bridger Pennington to break down the new framework for building wealth in a world being reshaped by funds, blockchain, and artificial intelligence. This conversation is about zooming out and seeing what most people miss. How capital actually moves. Why institutions play a different game than individuals. And how everyday investors and entrepreneurs can position themselves on the right side of the biggest financial shift of our lifetime. We unpack how investment funds really work and why they are the preferred vehicle of the ultra-wealthy. Bridger explains how hedge funds, private equity, and real estate funds are far more accessible than people think, and why learning to think like an allocator instead of a lone investor changes everything. We also dive deep into blockchain and crypto beyond the headlines, breaking down real-world use cases, institutional adoption, and why volatility shakes out retail while long-term conviction creates generational upside. This episode also explores how artificial intelligence is accelerating every part of the economy, why multiple technological waves are colliding at once, and what that means for growth, opportunity, and inequality over the next decade. We talk about how to build a portfolio that is resilient through uncertainty, why chasing fast money destroys compounding, and how to approach stocks, crypto, real estate, and alternative investments as one cohesive strategy instead of disconnected bets. This is not about hype or predictions. It is about understanding the systems behind wealth so you can make better decisions with your time, money, and energy. If you want clarity in a noisy world, a higher-level way to think about investing, and a framework that actually holds up as the future unfolds, this episode will stretch how you see money forever.Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

Most people talk about wanting an extraordinary life. However, very few are willing to live extraordinarily different to earn it. That gap is what this episode is about. Austin Zaback built what most people chase for decades before the age of 30. Over $3 billion in real estate sold. Twelve companies founded. Hundreds of employees. A national real estate team spanning multiple states. None of it came from luck. It came from obsession. In this conversation, we unpack what it actually means to be obsessed in your 20s and why that season of life is the greatest window most people waste. Austin shares the sacrifices, intensity, and relentless standards that allowed him to build trust, authority, and momentum while most people his age were still figuring things out. We talk about how he earned credibility as “the young guy” in rooms full of older, more experienced players, why mastery and work ethic still beat shortcuts, and how becoming impossible to ignore in your market changes everything. Austin breaks down why obsession is not about burnout or hype, but about commitment, clarity, and eliminating distractions long enough to build something real. This episode also challenges the idea of balance. We explore the difference between grinding aimlessly and building with intention, how Austin thinks about family, business, and long-term fulfillment, and why efficiency in your 30s is earned through intensity in your 20s. If you are early in your journey, this episode shows you the standard required to separate from the pack. If you are further along, it will force you to ask whether you are still playing at the level your goals demand. This is not motivation. It is a reality check. We hope you enjoy it! Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES🏢 LLCs, Business Credit & Tax Optimization – Set up your business the right way! Click HERE to schedule a call with Prime Corporate Services for expert guidance on entity formation, credit building, estate planning, and tax strategies. 📩 Stay Connected – Follow us on Instagram @wealthjuiceofficial and subscribe on YouTube @wealthjuiceofficial for more real estate insights!**If you enjoy the show, please leave us a 5-Star review on Apple Podcasts or Spotify! It takes less than a minute and great reviews make a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El Moussa, Henry Washington, Rich Somers, Mikey Taylor, Tom Wheelright, David Greene, Tony J. Robinson, Robert Croak, Chad “Coach” Carson, Brett Hundley, Devon Kennard and Marques Colston.**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.