Money School Podcast Chris Naugle

When it comes to preparing for retirement, people pin their hopes on their 401k, but the truth is, it’s not enough to retire comfortably. That’s where real estate investing comes in. It’s a way to get predictable, stable and consistent income and undoubtedly the best path to wealth.
 
The problem is, most people don’t have the time, energy and know-how to invest at a high level. You don’t have the time to go out there, acquire the property and the land - that’s as good as taking on another stressful full-time job.
 
That’s why it’s critical to partner with specialists who know what they are doing and eliminate the headaches so you can just enjoy the returns.
 
What is Rent to Retirement and how does it remove the stress of real estate investing? Why is real estate critical to a comfortable retirement? In this episode, I’m joined by  founder and CEO of Rent To Retirement, Zach Lemaster. He shares his story and how he’s helping more people turn a shaky retirement into solid wealth.
 
True wealth is created by owning real estate in good locations with good teams and letting time do what it does. -Zach Lemaster
 
Three Things You’ll Learn In This Episode 
 
-Scale your portfolio strategically
One of the biggest barriers to growing your portfolio is a lack of capital. How can you get access to more money when your own savings are tapped out?
 
-Do real estate anywhere you want
Investing out of state is one of the best ways to access great deals and returns, but it’s hard to build a team from the ground up in a new location. How does Zach’s team solve this problem?
 
-Good location, good teams, good tenants
The formula for a great real estate investment is really simple. How do you set yourself up for success and wealth? 
 
Guest Bio:
Zach Lemaster is the founder & CEO of Rent To Retirement, the nation's leading turnkey investment company. Zach is a seasoned real estate investor and licensed broker that has accumulated a large portfolio of rental properties across multiple markets including single family, multifamily, commercial and new construction. Zach is a licensed Optometrist who practices on a volunteer basis. Zach started investing in real estate while working as an Optometrist & Captain for the US Air Force. This eventually allowed him to retire early from his career in medicine to be a professional investor by strategically investing in markets that maximize cash flow, appreciation & equity. Zach went on to build a successful wholesaling, flipping & management business working across multiple markets which led to the foundation for Rent to Retirement. He is considered an industry expert in real estate market analytics. Zach has been published across many exceptional national platforms including: Forbes, USA Today, Fox News, NBC, CBS, Veterans' Affairs, Think Reality, and Inc. 5000. He is passionate about educating others on the numerous benefits of real estate investing, and how to use real estate as means to create the lifestyle each person desires for their family! For more information, head to renttoretirement.com and follow @renttoretirementinvest on Instagram. 

In the world of hobbies and interests, boating happens to be one with the most wealth inside it. Whether it’s lake boating or yachting in Monaco, no other network attracts high net worth individuals. What if you could turn your own lifelong passion for boating into the ultimate business opportunity so you can earn while you play?
 
That’s what Ryan Garland did, and today he gets to rub shoulders and do business with the wealthy. He even uncovered a unique investing opportunity through this association. How did Ryan find his way into one of the wealthiest markets on earth? What business opportunity came out of this?
 
What are the big financial waves the wealthy are flocking to? In this episode, the founder of Paradyme Investments, talks about what the wealthy do differently and how you can align with it in your own business.
 
The boating world has a lot of wealth in it. My passion for boating helped me tap the wealth inside that market. -Ryan Garland

Three Things You’ll Learn In This Episode 
 
-Why family offices exist
Financial advisory firms and family offices are completely different machines in the investing world. What are family offices built for, how do they operate and why do they operate differently by design? 
 
-The ultimate hedge against a volatile economy
The people who hold the most wealth are looking for something more stable than the stock market and banking system to preserve it. How does private money lending play into this?
 
-How to turn a passion into profit
How did Ryan turn his passion for boating into the ultimate networking opportunity and an exciting business venture? 
 
Guest Bio:

Ryan Garland is an investor, entrepreneur, author and founder of Paradyme Investments. His unparalleled ability to understand the real estate market, and to consequently shift his strategic thinking is the very foundation on which he has built his stellar career. Ryan started his lending career in the traditional SFR (Single Family Residence) space. Due to Ryan's ability to establish relationships with HNW clientele (High-Net-Worth) and his passion for distressed assets, he began the Paradyme brand. Ryan successfully facilitated and closed an average of 150 short sales and REO transactions a month during the 2008 recession period. Strictly focused on “workout turnarounds" also known as flips - both in the SFR and Commercial sectors. Operating as an LP, Ryan was voted #1 Top Originator in California for four years in a row. Ryan also made Top Producer Magazine, a nationwide publication. Ryan has facilitated over $1.5 Billion in distressed real estate transactions. Paradyme's objectives and core passion are aligned with "impact" investing designed to create generational wealth. Ryan created the Paradyme platform as a tool to help his clients build enduring wealth using real estate as the bedrock of their investment portfolios. With multiple projects in the pipeline at any given time, Paradyme's diversified offerings are designed for today's alternative investors looking to find non-correlated, low volatility and high return strategies in an increasingly unsettled investment environment. Paradyme's fundamental principles of integrity, transparency and exceptional client relations are the foundation upon which Ryan has built the company. For more information, go to https://paradymeinvestments.com/ and follow @ryangarland_paradyme on Instagram.

As a property investor, you might think you’re in the real estate business. You would be mistaken. You’re actually running a finance company, powered by real estate. The problem is: many investors don’t realize this and neglect their finances until it’s too late.
 
Financials are the most important aspect of the business. Not paying attention to your numbers is like driving with a blindfold on - you will crash. This understanding of numbers is what makes CPAs such great business owners, when they choose to escape the cocoon of the corporate job. That’s what today’s guest did, and in 5 years, he was able to scale to 900 deals without syndication.
 
How did he find his way into real estate? Why is it mission critical to understand our numbers? In this episode, CPA turned entrepreneur and co-founder of CityLife Residential, Casey Ryan Quinn talks about why we need to think like accountants and how to set up a strong back office in your business.
 
We’re not a real estate company - that’s just the vehicle. We’re really a finance company. -Casey Ryan Quinn

Three Things You’ll Learn In This Episode 
 
-Control every piece of the puzzle
Casey and his team were able to scale to 900 BRRR deals and over $100 million. What’s the secret to scaling fast?
 
-A case for overpaying
Many flippers chase cheap goods and services thinking it will save money. All it does is slow down the process and make capital more expensive. What should we do instead?
 
-The most important resource
There are many tasks we do in our lives and businesses we could delegate to someone else. How do we overcome the mindset blocks that stop us from taking them off our plates? 
 
Guest Bio:

Casey Ryan Quinn is a Pittsburgh-based CPA turned entrepreneur. In 2019, he co-founded CityLife Residential, steering the company as CEO to a staggering portfolio of over 850 residential units valued at over $100 million in under five years. This phenomenal expansion has placed CityLife Residential as Pittsburgh's third fastest-growing company between 2021 and 2023, and notably the fastest in the real estate sector. Beyond CityLife, Casey has co-founded Accruity, offering specialized accounting services to the real estate industry, where he remains an active board member. His entrepreneurial spirit also led him to co-found and partner in a REMAX franchised brokerage, further diversifying his real estate ventures. CityLife Residential stands out as a comprehensive residential real estate investment firm, boasting an impressive track record of over 500 real estate investment transactions. The company offers an array of services including construction, property management, title and settlement, and real estate sales. Casey's leadership extends to managing a vibrant team comprising more than 50 staff members and over ten virtual professionals, with a focus on fostering a strong company culture, strategic leadership, and efficient capital management. For more information, go to caseyryanquinn.com and follow @‌caseyryanquinn.

Syndication has always been an attractive vehicle for investors. You benefit from economies of scale without giving up a ton of money and get access to deals you couldn’t if you did it alone.
 
The only problem is: the economy we’re in has put massive stress on the model. Syndication relies on a solid exit, but it can be hard to achieve in an unpredictable market.
 
Banks are having a hard time pricing deals in this environment. Investors run the risk of being locked into a bad rate, with a pricey exit. The vehicle is also prone to fear and greed which can tank the value of an investment.
 
Is there a way to build flexibility into the deal so you’re not stuck in the market? Will syndication survive investors pulling their liquidity out? In this episode, Private Fund Manager, Jason Yarusi shares how he’s accumulated 2700+ apartments in 7 years, his incredible backstory, and why he wakes up at 4:32 am every single day. We also discuss the weaknesses of syndication and the strategies Jason put in place to mitigate them in advance.
 
In order to safeguard our syndications, we take flexibility into account with the deals we’re doing. It gives us an opportunity to react to the market instead of being stuck in it. -Jason Yarusi 
 

Things You’ll Learn In This Episode 
 
- 4-3-2-1 Go
After constantly repeating chaotic cycles and getting burned out on transactional jobs, how did Jason change his life? Why does he wake up at 4:32 am every single day? 
 
-Succeed, amplify then build momentum 
So many people are doing syndications, but they aren’t all built the same. How did Jason get the process dialed in before he expanded? 
 
-Protect against fear and greed
Life happens and people will need liquidity. This typically leads to solid investments losing their value. Is there a way to set-up a syndication so people can’t prematurely pull money out? 
 
-How to safeguard syndication 
With everything happening in the economy, it’s easy for an investor to get locked into a  bad deal. Can we build in flexibility even if it’s more pricey on the front end? 
 
Guest Bio
Jason Yarusi is a Private Fund Manager overseeing a $285 million Multifamily Real Estate portfolio at Yarusi Holdings. Since 2017, we've acquired 2,700+ apartment units. Beyond work, I'm an ultra runner and fitness enthusiast, hosting The Multifamily Live Podcast and leading the 7 Figure Multifamily Mastermind. Each day, I rise at 4:32 am, and I'm a proud father of three with a loving spouse. For more information, go to https://www.yarusiholdings.com/ and follow 
@JasonYarusi on Instagram.

The frustration of not seeing savings grow consistently can be a real struggle. Imagine the possibilities if our money could work harder for us, not just in the long run, but also with benefits we can tap into right now.
 
This isn't just about setting money aside—it's about making our money work smarter and more effectively, whether it’s planning for the future or needing liquidity today.
 
Consider this: what if we could harness the magic of compound interest that builds wealth steadily over time, while still having the flexibility to access funds efficiently in the short term?
 
In this episode, I am joined by the Director of The Money School, Shawna Decker and Money Mentor Stephen Nagy, to talk about the benefits of uninterrupted compound interest and how to cash-build for the long run.
 
Infinite banking is not about the numbers and it’s not about the math, it’s about the concept.- Chris Naugle


Three Things You’ll Learn In This Episode 
 
-Don’t get hung up on the numbers
Infinite banking isn’t just about money. How do we avoid getting absorbed in the numbers?
 
-Debt or decisions
How do we figure out what to put on credit and what we should pay for in cash?
 
-Think about the 95%
Why are we taught to focus on the 5% interest rate that we have to pay back?
 
Guest Bio:
Shawna Decker oversees all operations within The Money School, and has been on board since its creation. Shawna’s north star is Balance. And balance is never static- it is made of constant adjustments and active listening. She gives a damn, and she gives a damn about your path to betterment. Shawna assists in ensuring the overall experience of products, workshops, and training are better and brighter, by regularly checking in on what’s working, and helping adjust what isn’t.
Find Shawna on LinkedIn @ShawnaDecker 
 
Stephen Nagy left his career as a Personal Financial Advisor in 2007 to pursue his dream of being an entrepreneur and Real Estate Investor. Many years later, he has never looked back, becoming a lifelong student of business & investing, implementing strategies learned, gaining valuable personal experience, and following his passion of working with and sharing with others.
Stephen has spoken on hundreds of stages across the United States and worked with thousands of students, helping them realize and achieve their financial goals. Over those travels, and through attending several Masterminds each year, Stephen has built an extensive network of other like-minded individuals, creating a community that we call the “Campfire”.
 
Living in south Florida with his wife and son, Stephen not only talks the talk, but walks the walk every single day, growing his Real Estate & Consulting businesses and practicing financial strategies like self directing retirement dollars, the Infinite Banking Concept, Becoming The Bank, and eliminating the “3 Wealth Killers” from his life.
Stephen Nagy is dedicated to helping his students & clients learn financial education, how to take back control of their money, and helping them achieve their dreams by solving their money problem. Stephen now shares his experience, education, and strategies through weekly webinar trainings, Live events, and working with clients one on one.

Join the MSTV coaching here https://www.moneyschooltraining.com/mstv/

It may be hard to believe, but a penny doubled over time can make you more money than a pile of $500,000 right now. What makes this possible is one simple yet powerful thing called compound interest.
 
It gives you the ability to multiply your money overtime, and turn one small investment into a whole lot of money. No wonder Einstein called it the 8th wonder of the world!
 
For all the power that compound interest has, it’s still misunderstood and totally underutilized. How does this powerful financial force actually work? What financial vehicle gives us both compound interest and access to capital for investments?
 
In this episode, I show you how compound interest can allow you to turn $500 into $500,000.
 
We’re the only ones who have been taught to give up control of our money, put it somewhere and let it sit and lose the opportunity to take advantage of new investments. -Chris Naugle  
 

Three Things You’ll Learn In This Episode 
 
-The smartest way to build wealth
Compound interest is one of the most underestimated phenomena in the world. How can you multiply your money by doing one simple thing? 
 
-Get the best of both worlds
The problem with popular investment vehicles is the flow of compound interest gets interrupted every time you take money out. Is there a way we can take money out to invest and keep building interest at the same time?
 
-Average vs. actual rate of return
A lot of the financial vehicles people flock to promise a high return, but when you take a closer look, do you actually end up with a lot less?