Growing the Money with Rich Lennon

Rich Lennon
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Want to grow your money at 30% to 50% per year—without the stock market rollercoaster, soul-crushing 80-hour workweeks, or gambling on risky get-rich-quick schemes? Do you crave financial freedom but feel stuck in the outdated “work harder, save more, retire someday” model? Welcome to The Growing the Money Podcast, where host Rich Lennon pulls back the curtain on the wealth-building strategies the banks, billionaires, and ultra-wealthy use every day to grow their fortunes—strategies that YOU can start using today. If you’re ready to take control of your financial future, this podcast is your shortcut to creating sustainable, long-lasting wealth. Forget Wall Street’s 4% “safe” retirement model or risky investment fads. Instead, Rich will show you how to build wealth smarter, faster, and with less risk—all while keeping your time and sanity intact. Whether you’re a: Real estate investor looking to scale your portfolio without overleveraging...Private money lender searching for higher, more predictable returns...Entrepreneur ready to grow your income streams and outsmart traditional financial systems...Or a professional tired of working harder just to stay stuck in the rat race... This show is your blueprint to financial freedom. Every week, Rich shares his proven money frameworks—strategies designed to grow your wealth faster and more sustainably, all while protecting what you’ve worked so hard to build. You’ll learn how to: Achieve 30% to 50% annual returns without relying on the stock market or complex schemes.Put your money to work for you, so you’re not trading your time for dollars.Avoid the pitfalls that keep most people broke and stressed about money.Unlock the same wealth-building secrets banks and the rich use to grow their empires. But this is more than just a podcast—it’s a movement to help you flip the script on your financial life. If you love podcasts like The Suze Orman Show, The Dave Ramsey Show, or BiggerPockets Money Podcast, or if you’re inspired by money minds like Grant Cardone, Robert Kiyosaki, or Tony Robbins, you’ll feel right at home here. No fluff. No gimmicks. Just real-world strategies to grow your money smarter, faster, and without the stress. It’s time to stop following the same tired advice that keeps you stuck in the grind. It’s time to grow YOUR money. Let’s reclaim your financial freedom together.

  1. 3D AGO

    Episode 114: Zero Foreclosures. 30-50% Returns. No Marketing. Here's the Lending Model Nobody Talks About - Part 2 - Preston Zeller.

    What if you could earn 30–50% returns in real estate, without flipping houses, managing tenants, or spending money on marketing? Most investors are taught the same path: buy rentals, build a portfolio, and keep stacking doors. But what happens when you’ve already done that, and the returns stop growing? In this episode, Rich Lennon shares the shift that completely changed how he thinks about building wealth. After years of owning a large rental portfolio, Rich realized something surprising: the equity in his properties looked impressive on paper, but the actual returns were shrinking. So he made a bold move. He started selling rentals and moving that capital into private lending, a model that now generates significantly higher returns while requiring far less time and effort. Rich breaks down how this strategy works, why he keeps his lending local, and how he built a deal flow pipeline without running ads or chasing borrowers. If you’ve ever wondered what comes after building a rental portfolio, this episode will open your eyes. You’ll Learn How To: Understand why large rental portfolios can quietly produce low returnsTurn equity from properties into higher-yield opportunitiesUse private lending to generate strong returns without owning more real estateStructured deals that can reach 30–50% returns through fractionalized lendingBuild deal flow through relationships instead of marketingWho This Episode Is For: Real estate investors with growing equity but modest cash returnsLandlords are tired of managing tenants and maintenanceInvestors curious about private lending or note investingAnyone who wants their money to work harder with less effortWhy You Should Listen: Many investors spend years building portfolios, only to realize their wealth is locked inside assets that don’t produce strong returns anymore. Rich explains how he recognized that moment, and why shifting from owning properties to owning the paper completely changed his financial strategy. His approach is simple, relationship-driven, and built around a principle most investors overlook: your money should work harder as your wealth grows, not slower. What You’ll Learn in This Episode: [00:00] Why Rich began shutting down his rehab business[05:30] The surprising truth about rental portfolio returns[10:00] Why expanding into new markets caused major losses[14:00] The shift from owning properties to owning the note[18:30] How private lending can generate much higher returns[21:45] The difference between private money and hard money[24:00] How Rich gets deals without running marketing[26:30] Why financial education is missing for most investorsFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/ Follow Preston Zeller here: Website: http://theartofgrievingfilm.com/ Instagram: https://www.instagram.com/prestonzeller/?hl=en YouTube: https://www.youtube.com/@ZellerhausArt

    29 min

  2. 6D AGO

    Episode 113: Zero Foreclosures. 30–50% Returns. No Marketing. The Lending Model Nobody Talks About – Part 1

    What if one of the most profitable real estate strategies didn’t require owning dozens of rentals, flipping houses, or spending thousands every month on marketing? In this episode, Rich Lennon sits down with Preston Zeller to break down a lending model that many investors never hear about, but the ones who discover it often wonder why they didn’t start sooner. Instead of chasing deals, managing tenants, or constantly hunting for the next property, this strategy focuses on something far simpler: becoming the lender. Rich Lennon joins the show to share how he transitioned from building a traditional real estate portfolio into a private lending model that has produced consistent returns, strong relationships, and zero foreclosures. He explains why lending can be one of the most overlooked opportunities in real estate and how it allows investors to grow wealth while avoiding many of the headaches that come with owning properties. You’ll Learn How To: Understand the difference between owning real estate and lending on itBuild strong returns without running a full real estate operationUse private lending as a wealth-building strategyReduce risk while still participating in profitable dealsBuild relationships with borrowers who consistently bring opportunitiesWho This Episode Is For: Real estate investors are tired of managing rentals and renovationsInvestors who want strong returns without running a full businessPeople are curious about private lending as a wealth-building strategyAnyone looking for alternative ways to grow capital through real estateWhy You Should Listen: Most investors think the only way to win in real estate is to own more properties. But sometimes the smarter move is stepping into a different role entirely. This episode introduces a lending model that allows investors to stay involved in real estate while avoiding many of the traditional headaches. If you’ve ever wondered how lenders generate strong returns without managing properties, this conversation will open your eyes to a strategy few people talk about. What You’ll Learn in This Episode: [00:00] Why many investors overlook lending as a real estate strategy[04:00] Rich’s journey from traditional investing into private lending[08:00] The problem with constantly chasing deals[12:00] Why lenders often face fewer headaches than property owners[17:00] The role relationships play in building a strong lending network[22:00] How this model creates consistent opportunities without marketing[27:00] Why some lenders achieve strong returns while avoiding foreclosuresFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/ Follow Preston Zeller here: Website: http://theartofgrievingfilm.com/ Instagram: https://www.instagram.com/prestonzeller/?hl=en YouTube: https://www.youtube.com/@ZellerhausArt

    29 min

  3. MAR 5

    Episode 112: How Taxes Are Silently Destroying Your Wealth (And the Strategy That Stops It)

    What if the biggest thing holding you back financially isn’t your income, your investments, or even your spending, but your taxes? Most people focus on making more money. Very few focus on keeping more of what they earn. And over time, that quiet leak adds up to hundreds of thousands, even millions, of dollars lost. In this episode, Rich Lennon joins the show to break down why income taxes are the single biggest obstacle to building real wealth, and what you can legally do about it. From the power of tracking your net worth to the strategy behind buy-and-hold real estate, Rich shares the mindset and moves that helped him shift from operator to lender, and dramatically accelerate his wealth. You’ll Learn How To: Track your wealth so you can actually grow itUnderstand why income taxes slow your progress more than you thinkUse buy-and-hold real estate to create powerful tax advantagesApply the BRRRR strategy the right wayMinimize risk while still earning higher returnsWho This Episode Is For: Real estate investors are trying to keep more of what they earnEntrepreneurs frustrated by large tax billsAnyone building wealth who feels stuck or behindInvestors are ready to think long-term instead of year-to-yearWhy You Should Listen: Most people never question how much taxes cost them over a lifetime. This episode opens your eyes to the compounding effect of taxation and the strategies available to offset it legally. If you want to grow your net worth faster and more securely, this conversation gives you practical tools you can actually use. What You’ll Learn in This Episode: [00:00] Rich’s background and why tracking wealth matters[03:00] The compounding example that changes how you see taxes[06:00] Why income taxes are the biggest wealth killer[08:30] How the government uses the tax code to incentivize investors[10:30] The basics of buy, rehab, rent, refinance, repeat (BRRRR)[13:00] Using private money and refinancing to recycle capital[15:00] Understanding risk, returns, and playing the long gameFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    17 min

  4. MAR 2

    Episode 111: One Florida Investor Just Lost 30 Deals (And Every Private Lender With Him)

    What happens when 30 real estate deals fall apart at the same time, and the private lenders lose everything? It’s happening right now. Rich actually likes subject-to deals. They can be powerful tools when used correctly. But when you ignore basic rules, equity, underwriting, legal structure, and skin in the game, things can go bad fast. And when they do, the private lender is usually the one left holding the bag. In this episode, Rich breaks down what went wrong in a major Florida subject matter situation and why so many private money lenders are suddenly stuck with no exit and no protection. This isn’t about fear. It’s about facts. You’ll Learn How To: Spot red flags before wiring your moneyProtect yourself in subject-to dealsAvoid greed-driven decisionsStructure private lending the right wayMake sure you’re truly secured before fundingWho This Episode Is For: Private money lendersPassive investors chasing high returnsAnyone involved in subject-to dealsInvestors in masterminds or paid groupsReal estate professionals who want to protect their capitalWhy You Should Listen: Many lenders were promised 30%, 40%, or even 50% returns. That should’ve been the first warning sign. Rich walks through the six biggest mistakes private lenders are making right now, from lending outside their local market to skipping attorneys, ignoring equity, and trusting operators with zero skin in the game. What You’ll Learn in This Episode: [00:00] What’s happening with subject-to deals around the country[02:00] Why lending outside your local market adds massive risk[04:00] The greed gland problem and unrealistic returns[05:30] Why operators need real skin in the game[07:00] The danger of skipping legal representation[08:30] Why equity is non-negotiable in lending[10:30] The problem with mastermind groupthink[12:00] How to protect yourself before the deal goes badFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    15 min

  5. FEB 26

    Episode 110: Investor vs. Business Owner – Why One Goes Home and One Goes Back to Work

    What if the biggest difference in real estate isn’t how much money you make, but whether you have to keep showing up to make it? There’s a massive mindset gap between being a business owner and being an investor. One has to go back to work after the meeting. The other doesn’t. In this episode, Rich shares two stories that hit him hard. Both involved walking into rooms full of high-level builders and commercial real estate professionals, and realizing he was completely underdressed. This episode isn’t about clothes. It’s about confidence. It’s about understanding the difference between owning a job in real estate and owning assets that pay you whether you show up or not. You’ll Learn How To: Understand the real difference between a real estate business and real estate investingBuild confidence in your investor identityStop chasing activity and start building passive incomeThink long-term instead of living deal by dealSeparate the image from the actual wealthWho This Episode Is For: Wholesalers, flippers, and builders who feel stuck in the grindLandlords who want to transition into true passive incomeEntrepreneurs are questioning whether they built a business or just another jobAnyone who wants financial freedom, not just financial successWhy You Should Listen: It’s easy to confuse being busy with being wealthy. This episode challenges you to ask a better question: when the meeting ends, do you go home or go back to work? Rich shares a simple but powerful mindset shift that changed how he saw himself and his business. Real wealth isn’t about looking successful in the room. It’s about owning assets that work whether you’re there or not. What You’ll Learn in This Episode: [00:00] The mindset difference between investors and business owners[02:00] The builders' association meeting that sparked the shift[04:00] How perception and appearance can mislead you[06:00] The commercial real estate conference wake-up moment[08:00] The confidence shift halfway down the aisle[10:00] Why passive income changes how you see yourself[11:00] The real question to ask about your real estate careerFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    12 min

  6. FEB 23

    Episode 109: How I Bought 30 Rentals Without Using a Single Dollar of My Own Money

    What if the reason you’re stuck at one or two rentals is that you keep using your own cash? Most investors think they need to save more money before they can scale. Bigger down payments. Bigger reserves. Bigger bank account. But what if that mindset is actually the thing slowing you down? In this episode, Rich breaks down the exact strategy he used to buy his first 30 rental properties, without using a single dollar of his own money. No gimmicks. No hype. Just borrowing money the right way, renovating smart, refinancing out, and keeping your capital safe. He walks through the numbers, the real cost of interest, and why worrying about rate differences can keep you stuck on the sidelines. You’ll Learn How To: Buy rental properties with none of your own cashUse private money and hard money the right wayStop obsessing over interest rates that barely matterReverse engineer deals based on refinance requirementsProtect your cash so you never run out of capitalWho This Episode Is For: New investors who think they need big savings to startLandlords who feel capped because they keep putting 20% downEntrepreneurs who want to scale without draining their reservesAnyone serious about building a rental portfolio the smart wayWhy You Should Listen: The worst thing that can happen to a real estate investor isn’t paying 2% more in interest. It’s running out of cash. Rich shares why keeping access to capital is more important than shaving a few thousand dollars off an interest payment. He explains the real difference between 12% and 18% money, how to use local banks to refinance, and why borrowing, even when you have cash, is often the safer move. This episode isn’t about being flashy. It’s about being strategic. What You’ll Learn in This Episode: [00:00] The simple mindset shift that unlocked 30 rentals[01:30] The buy, renovate, rent, refinance model explained[03:00] Private money vs. hard money, what really matters[05:00] Why the interest rate difference is smaller than you think[07:00] How local banks evaluate refinance deals[09:00] Reverse engineering your purchase price for zero cash in[10:00] Why you should avoid using your own money, even if you have it[11:30] The real danger of running out of capitalFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    13 min

  7. FEB 19

    Episode 108: How to Turn Your $8 Hour VA Into a Manager Who Actually Runs Your Business.

    What if your $8/hour virtual assistant could eventually run your entire company? Most entrepreneurs hire VAs to handle small tasks. Answer emails. Pull lists. Follow up on leads. And that’s where it stops. But what if you could turn that same person into a true manager, or even a COO? In this episode, Rich breaks down exactly how he’s done it inside his own real estate business. He explains the difference between a task-based assistant, a true manager who owns 90-day goals, and a COO who makes real business decisions based on the P&L. This isn't a theory. It’s how his company actually runs day to day. You’ll Learn How To: Understand the difference between an assistant, a manager, and a COODelegate outcomes instead of just tasksUse 90-day goals rocks to create accountabilityBuild a leadership structure with virtual team membersStep out of daily decisions and let your business runWho This Episode Is For: Real estate investors building a rental or acquisition teamEntrepreneurs are tired of being the bottleneckBusiness owners who want real leverage, not just cheap laborAnyone curious how far a virtual assistant can actually growWhy You Should Listen: Most people see virtual assistants as low-level help. Rich sees them as future executives. In this episode, he shares how he promotes from within, trains VAs to think like owners, and gives them real responsibility over revenue, expenses, and company goals. If you want a business that runs without you approving every little thing, this conversation will change how you think about hiring. What You’ll Learn in This Episode: [00:00] Why most entrepreneurs underuse their virtual assistants[01:00] The difference between task-based VAs and managers[02:00] What 90-day rocks are and how managers own them[03:00] How a virtual COO can run your P&L[04:00] Why process and the right hire matter more than location[05:00] How to remove yourself as the daily decision-makerFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    7 min

  8. FEB 16

    Episode 107: The $75K Credit Card Loan That Vanished - 3 Mistakes That Destroyed a Private Lender.

    What if trying to make a safe 12% return ended up costing you $75,000, plus 25% interest? This episode is different. Rich shares a real call he received from a private lender who wired $75,000 to a local flipper, using a 0% credit card. No mortgage. No deed of trust. No security. And now the borrower has disappeared, while the credit card company wants its money back. It’s a tough story. But it’s also a powerful lesson. In this short but important episode, Rich breaks down the three critical mistakes that destroyed this deal and how you can make sure you never end up in the same position. You’ll Learn How To: Avoid lending institutional money, such as credit cards or lines of creditProtect every loan with the right security instrumentRecognize red flags like gap funding and bridge loansSeparate community reputation from real due diligenceThink like a lender, not like a people-pleaserWho This Episode Is For: New private lenders who want to avoid painful mistakesReal estate investors approached for quick bridge loansAnyone considering using credit cards to fund investmentsInvestors who want to grow wealth without blowing it upWhy You Should Listen: Private lending can be one of the best wealth-building tools in real estate. But only if you do it right. This episode is a wake-up call. Rich walks through exactly what went wrong, from lending borrowed money to wiring funds without security, to ignoring the warning signs behind gap funding requests. It’s not about fear. It’s about being smart, protected, and prepared. Because if you won’t protect your money, no one else will. What You’ll Learn in This Episode: [00:00] The call that sparked this episode[01:30] Why lending credit card money is a dangerous move[03:00] The massive mistake of not securing the loan[04:30] Why reputation is not collateral[05:00] The red flags behind gap funding and bridge loans[06:30] What happens when a borrower disappears[07:30] The hard truth about trying to recover your moneyFollow Rich Lennon here: Website: https://richlennon.com/ Facebook: https://www.facebook.com/rich.lennon.121 Instagram: https://www.instagram.com/richlennon92/

    10 min
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About

Want to grow your money at 30% to 50% per year—without the stock market rollercoaster, soul-crushing 80-hour workweeks, or gambling on risky get-rich-quick schemes? Do you crave financial freedom but feel stuck in the outdated “work harder, save more, retire someday” model? Welcome to The Growing the Money Podcast, where host Rich Lennon pulls back the curtain on the wealth-building strategies the banks, billionaires, and ultra-wealthy use every day to grow their fortunes—strategies that YOU can start using today. If you’re ready to take control of your financial future, this podcast is your shortcut to creating sustainable, long-lasting wealth. Forget Wall Street’s 4% “safe” retirement model or risky investment fads. Instead, Rich will show you how to build wealth smarter, faster, and with less risk—all while keeping your time and sanity intact. Whether you’re a: Real estate investor looking to scale your portfolio without overleveraging...Private money lender searching for higher, more predictable returns...Entrepreneur ready to grow your income streams and outsmart traditional financial systems...Or a professional tired of working harder just to stay stuck in the rat race... This show is your blueprint to financial freedom. Every week, Rich shares his proven money frameworks—strategies designed to grow your wealth faster and more sustainably, all while protecting what you’ve worked so hard to build. You’ll learn how to: Achieve 30% to 50% annual returns without relying on the stock market or complex schemes.Put your money to work for you, so you’re not trading your time for dollars.Avoid the pitfalls that keep most people broke and stressed about money.Unlock the same wealth-building secrets banks and the rich use to grow their empires. But this is more than just a podcast—it’s a movement to help you flip the script on your financial life. If you love podcasts like The Suze Orman Show, The Dave Ramsey Show, or BiggerPockets Money Podcast, or if you’re inspired by money minds like Grant Cardone, Robert Kiyosaki, or Tony Robbins, you’ll feel right at home here. No fluff. No gimmicks. Just real-world strategies to grow your money smarter, faster, and without the stress. It’s time to stop following the same tired advice that keeps you stuck in the grind. It’s time to grow YOUR money. Let’s reclaim your financial freedom together.

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