On The Chair

Polo and Vince
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On The Chair is where real conversations about wealth building, financial independence, and success mindsets happen. Hosted by Polo Garza and Vince Gonzalez—cousins who went from zero to millionaires in just three years—this growth mindset podcast brings you unfiltered insights on real estate investing, money strategies, and the principles that actually create lasting wealth. We're not financial gurus selling courses. We're entrepreneurs sharing what worked (and what didn't) on our journey to financial success. Each episode features honest discussions about investing, business, generational wealth, faith, and the millionaire mindsets that separate dreamers from doers. Whether you're just starting out or already building your empire, you'll find practical wisdom you can apply immediately. Success isn't something you stumble upon. It's something you sit down with, put in the hours, and build from the ground up. Welcome to On The Chair.

Episodes

  1. 2 Apr

    Success Mindset, Passive Income, and the Private Credit Advantage with Bryan Pham

    What if your investment portfolio could generate income completely detached from stock market swings? Bryan Pham grew up watching his stepfather build and sell a semiconductor manufacturing business — and that early roadmap for success never left him. As Head of Institutional Sales at Percent.com, he's helped raise over $2.5 billion in private credit syndication, and his story is as much about the success mindset behind that climb as the financial mechanics. We sit down with Bryan to unpack his journey from a first-generation Vietnamese-American kid in New Jersey to JP Morgan and beyond — and the wealth building principles he's picked up from the ultra-high-net-worth clients he's served along the way. Key Takeaways Entrepreneurs almost always outwork their peers — Bryan's most successful clients are people who built businesses, not just earned salariesDollar cost averaging into passive ETFs is Bryan's personal go-to strategy for long-term financial success — set it and don't overthink itPrivate credit can serve as a powerful fixed income alternative, delivering 10–15% annualized returns uncorrelated to public market swingsPercent.com has democratized private credit — accredited investors can now access deals with as little as $500The 0% withdrawal rule: structuring investments to live off income without ever touching your principalUnderstanding collateralization and asset-based investing can dramatically reduce your downside riskOptions and high-risk trades should only ever represent a small percentage of your net worth — and you should mentally assume that money is already goneA co-op education (like Drexel or Northeastern) can give young people a massive head start through real, full-time work experienceAvoiding sectors with higher default rates — like venture debt — is just as important as picking winnersTransparency in investing matters: Percent publicly owns both wins and losses, which Bryan sees as a mark of trustworthy ethics Percent.com — Bryan's platform for private credit investing. Accredited investors can access deals starting at $500. Visit percent.com to explore current opportunities. Accredited Investor Definition — To invest through Percent, you must qualify as an accredited investor: $200K+ individual annual income (or $300K+ as a couple) for two consecutive years, OR a net worth of $1M+, OR a licensed financial services professional (Series 7, 65, 66, etc.). If you enjoyed On The Chair, please like and subscribe. If you loved it, share this episode with a friend! We want to hear from you! Send your questions to onthechairpodcast@gmail.com Follow us on Instagram: @onthechair_podcast (00:00) - Overrated/Underrated Intro Game (01:07) - Welcome to On The Chair (01:30) - Introducing Bryan Pham (02:04) - Bryan's Background & Growing Up (05:29) - What Drew Bryan to Finance (07:34) - Drexel Co-Op Internship Experience (09:20) - Is Co-Op Education Worth It? (10:34) - College, Networking & The Next Generation (11:09) - Mindsets of the Ultra-Wealthy (13:06) - Bryan's Personal Investment Strategy (15:00) - Private Credit as a Fixed Income Alternative (16:57) - Worst Investment Bryan Ever Made (19:16) - Options Trading: Thrill vs. Risk (21:14) - Trading on Headlines & Tweets (21:42) - Polo's Penny Stock & Margin Story (24:00) - Why Uncorrelated Assets Matter (24:47) - How to Get Started with Percent (26:02) - Regulation, Transparency & the SEC (27:38) - Accredited Investor Requirements Explained (28:11) - How Asset-Based Private Credit Works (30:04) - Defaults, Workouts & Risk Management (32:21) - Conservative vs. Aggressive Yield Strategies

    Success Mindset, Passive Income, and the Private Credit Advantage with Bryan Pham

  2. 26 Mar

    Climbing the Mountain: Start-up to the Top 100 Freight Brokerages with Shannon Breen

    He left a six-figure corporate job to build a $150M company — here's how. What does it take to walk away from security and bet everything on yourself? Shannon Breen, founder and CEO of FreightVana, did exactly that — launching a tech-enabled transportation company from zero to over $150 million in revenue across five years, during the worst trucking recession in decades. Shannon shares the three defining moments that pushed him to take the leap: a global pandemic, the reality of corporate culture, and watching his father battle cancer. His story is equal parts success mindset and raw honesty about the risks, sacrifices, and team-building required to build something from the ground up. Key Takeaways: The "Three C's" framework that pushed Shannon to leave corporate and start Freight Vana: COVID, corporate culture, and a personal family crisis.Why Shannon built Freight Vana on a non-commission structure — and how it creates better alignment between shippers, carriers, and the business.The "power only" and drop trailer model: how a differentiated service offering allowed Freight Vana to grow where standard brokerages couldn't.What Shannon learned from Kevin Knight — the discipline, entrepreneurial spirit, and competitive drive behind one of trucking's most profitable companies.Why he believes networking is the single most underused superpower for 18–25-year-olds entering business or transportation.Shannon's honest take on real estate — his biggest financial win and his biggest financial loss both came from the same asset class.The "building sandcastles too close to the ocean" analogy — and why working inside a large trucking company wasn't the path to lasting wealth building.His perspective on rate transparency legislation, broker liability, and where the trucking market is heading.Why Shannon believes in giving to your network before you ever need it — and how that philosophy has paid dividends over the last five years.College vs. real-world experience: Shannon's nuanced take on what actually prepares young people for entrepreneurship and financial success.If you enjoyed On The Chair, please like and subscribe. If you loved it, share this episode with a friend!  📩 Send your questions: onthechairpodcast@gmail.com  📸 Follow us on Instagram: @onthechair_podcast  🚛 Follow Freight Vana: @freightvana | freightvana.com

    Climbing the Mountain: Start-up to the Top 100 Freight Brokerages with Shannon Breen
  • 2 Episodes

About

On The Chair is where real conversations about wealth building, financial independence, and success mindsets happen. Hosted by Polo Garza and Vince Gonzalez—cousins who went from zero to millionaires in just three years—this growth mindset podcast brings you unfiltered insights on real estate investing, money strategies, and the principles that actually create lasting wealth. We're not financial gurus selling courses. We're entrepreneurs sharing what worked (and what didn't) on our journey to financial success. Each episode features honest discussions about investing, business, generational wealth, faith, and the millionaire mindsets that separate dreamers from doers. Whether you're just starting out or already building your empire, you'll find practical wisdom you can apply immediately. Success isn't something you stumble upon. It's something you sit down with, put in the hours, and build from the ground up. Welcome to On The Chair.

Information

  • Creator
    Polo and Vince
  • Years Active
    2026
  • Episodes
    2
  • Rating
    Clean
  • Copyright
    © 2026 On The Chair
  • Show Website
    On The Chair