Troy Talks Money

Troy Holt | The Financial GPS

Troy Talks Money is for homeowners tired of making payments and having nothing to show for it. Hosted by Troy Holt, Certified Financial Education Instructor and Navy veteran, this show breaks down the truth about mortgages, interest, debt elimination, and wealth building in plain language. The mission is simple: helping families pay off their home in 5 to 7 years using the income they already have, without refinancing. Real interviews. Real strategy. Real freedom. Subscribe and never miss an episode.

  1. Jun 3

    She Brought Zero Dollars To Closing And Left With A Check | RaySean Reaves

    Black homeownership in America is down 45 percent. And most families who want to buy a home are being stopped by information that is simply not true. RaySean Reaves is a Nashville realtor and president of NAREB Nashville, also my cousin. He joined me on this week's episode of Troy Talks Money to have a real conversation about what is actually keeping Black families out of homeownership and what you can do about it right now. We covered why home prices are rising faster than wages. Why is credit being used as a barrier when it does not have to be? Why the two percent interest rates are never coming back, and why that should not stop you. And why the people on the internet telling you buying a home is a bad investment are the same people collecting your rent check every month. RaySean also shared a story from a deal he closed the same day we recorded. A young woman veteran. VA loan. Zero down. He negotiated forty thousand dollars in concessions on her behalf, and she walked away from the closing table with a check in her hand. This conversation is for every family that has been sitting on the sidelines waiting for the perfect moment. The perfect moment is not coming. The game plan is. Connect with RaySean Reaves:Phone: 615-586-0542Email: raysean.reaves@compass.comWebsite: raysean.comNAREB Nashville: narabnashville.comInstagram and Facebook: RaySean Grindhard Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist. He helps families pay off their mortgage and all debt in five to seven years without refinancing. Visit TroyHolt.com to book a free consultation.

    35 min

  2. May 20

    Before You Call a Loan Officer, Do This First | Rickeshia Odell

    Most buyers think having a pre-approval means they are ready to buy a home. Rickeshia Odell says not so fast. Rickeshia is a REALTOR with eXp Realty licensed in Minnesota and Wisconsin. She has been walking buyers and sellers through one of the biggest financial decisions of their lives for over 12 years. In this conversation she breaks down what most people get wrong before they ever make an offer, why you should call your realtor before your loan officer, what upfront costs most buyers never see coming, and how knowing your why makes the difference between someone who closes and someone who stalls. She also gets into what sellers misunderstand about their own home value, what really happens when a deal falls through, and why her approach has always been about walking with people hand in hand instead of just pushing papers across a table. If you are thinking about buying or selling a home, this conversation is for you. Connect with Rickeshia Odell:Phone: 612-839-9509Email: rickeshia.odell@exprealty.com Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist. He helps families pay off their mortgage and all debt in five to seven years without refinancing. Visit TroyHolt.com to book a free consultation.

    28 min

  3. May 6

    More Than a Rate: What a 20-Year Mortgage Banker Wants You to Know

    More Than a Rate: What a 20-Year Mortgage Banker Wants You to Know.  Most people think getting a mortgage is simple. Find the lowest rate, sign the papers, and move in. But there's a whole lot more going on behind the scenes, and today's guest has been navigating it for over two decades. Jennifer Ceballos has been a full-time loan officer since 2006. She works with all types of borrowers and specializes in self-employed borrowers, investors, and first-time homebuyers. She is solutions-oriented, well-versed in non-QM loan products, and customer service is at the top of everything she does. In this conversation, we get into why rate shopping can cost you more than you think, what AI actually can and cannot do in the lending world, and why some of the best loan officers out there are part therapist, part financial coach. We also break down loan types most people have never heard of. DSCR loans. Bank statement loans. Fix and flip financing. A 0% interest bridge loan. Asset-based loans. No FICO score loans. If you think you can't qualify, you need to hear this episode before you give up. And if you don't qualify today, Jennifer is going to tell you exactly what to do until you do. Connect with Jennifer:📞 646-210-5287 (call or text) Ready to eliminate your mortgage in 5 to 7 years without refinancing? Visit TroyHolt.com and book your free consultation. No pressure. No pitch. Just a real conversation about where you are and where you want to be. New episodes drop every other week. Subscribe so you never miss one. Timestamps: 00:04 -- Welcome and introduction 01:15 -- How Jennifer got into the mortgage industry 05:13 -- The biggest challenges as a loan officer 06:16 -- Rate shopping and what it really costs you 14:08 -- The 50-year mortgage conversation 18:09 -- Will AI replace loan officers? 21:07 -- How Jennifer serves clients nationwide 23:07 -- DSCR, bank statement, and no-doc loans explained 28:44 -- Fix and flip, bridge loans, and more 33:04 -- Final thoughts and how to reach Jennifer #MortgageTips #HomeLoans #DebtElimination #RealEstate #FinancialEducation #TroyTalksMoney #MortgageBanker #DSCRLoan #FirstTimeHomeBuyer #WealthBuilding

    29 min

  4. Apr 22

    Welcome to Troy Talks Money: The Rebrand Episode

    Something changed. And it was time to talk about it. In this episode of Troy Talks Money, I sit down solo and walk you through the story behind the rebrand, where the old show went, what shifted, and exactly where this podcast is going from here. I also break down the three things you can expect from this show going forward: real interviews with homeowners and financial professionals, solo teaching episodes on mortgage strategy and debt elimination, and vault episodes from conversations I recorded under the old brand that were too good to leave on a hard drive. What you will take away from this episode: Why The Financial GPS name means exactly what it saysWhat this show is and who it is built forHow to pay off your mortgage in 5 to 7 years without refinancingConnect with Troy:Website: thetroytalks.comNewsletter: The Financial GPS on SubstackBook a Free GPS Consultation: Book HereInstagram: @Troy_Talks_MoneyTikTok: @TroyHolt67

    8 min
  5. Kelani Blackwell: Empowering Women and Minorities in Commercial Real Estate

    07/07/2024

    Kelani Blackwell: Empowering Women and Minorities in Commercial Real Estate

    Welcome to the Troy Talks Podcast episode #75! In today's episode, we're thrilled to have Kelani Blackwell, a trailblazing consultant and advocate in the commercial real estate industry. Kelani has made significant strides from her start in residential real estate to becoming a strong voice for diversity, equity, and inclusion in commercial spaces at CBRE. Today, she will share her firsthand experiences of the challenges faced by minority brokers and the significant disparity in diversity within commercial real estate. We'll delve into how she transitioned her career, her motivational journey in establishing the "Women in Real Estate" club on Clubhouse, and how this platform has supported over 70,000 women by fostering a sisterhood of professional growth and empowerment. Kelani also highlights the potential for bringing commercial real estate opportunities to underserved communities and discusses her long-term vision, including the launch of an investment fund and the upcoming Wirecon conference in 2024. Join us as Kelani shares invaluable insights and her unique perspective on transforming the landscape of commercial real estate while creating impactful community connections Topics covered: - Kelani's background in real estate beginning with her mother's influence as a realtor and loan officer. - Transition from a corporate job to entering the real estate industry, starting in a small fix-and-flip operation, and evolving into a full-service boutique brokerage. - Moving to a significant role at CBRE focusing on multifamily investment property sales. **Challenges in Commercial Real Estate** - Discussion on the transition from residential to commercial real estate including the differences in emotional engagement and the complexities of commercial deals. - The broader scope of commercial real estate, including various asset classes and brokerage types. - The challenge of diversity in commercial real estate, particularly the lack of minority brokers in producer roles versus support roles. - The difficulties faced by minorities in building a sustainable income and book of business within commercial real estate. **Creation and Impact of Women in Real Estate Club on Clubhouse** Connect with Kelani Blackwell LinkedIn: https://www.linkedin.com/in/kelanib/ Instagram: https://www.instagram.com/kelanib?igsh=MWlrdHoyM3FpM3Jvdw== Like, share and review

    40 min
  6. Breaking Barriers: Afsha Butt's Journey as a Woman of Color in Finance

    02/10/2024

    Breaking Barriers: Afsha Butt's Journey as a Woman of Color in Finance

    Afsha Butt, a woman of color in the male-dominated finance industry, shares her incredible journey on the Troy Talks podcast. From overcoming prejudice to forming partnerships and educating young professionals, Afsha's story will leave you inspired and wanting to learn more. But just when everything seems to be going well, a shocking turn of events leaves Afsha in a difficult situation. What will she do next? Don't miss this gripping episode. My special guest is Afsha Butt Afsha Butt is a trailblazing CEO and founder of Wealthverse, a financial technology company. With a distinguished record in the financial services sector, she is an award-winning consultant and wealth strategist. Afsha is passionate about empowering established professionals to unlock their untapped financial potential through intelligent money management and mindset development. As a woman of color in the finance industry, Afsha has overcome numerous challenges and has become a shining example of success. Her expertise and unbiased approach to investing have earned her recognition and respect in the industry. With her wealth of knowledge and experience, Afsha is dedicated to helping women of color navigate the obstacles they may face and thrive in their finance careers. I realized, I'm not just doing this to learn what they did. I'm also doing this to learn what I don't want to do and what I'm going to do differently. - Afsha Butt In this episode, you will be able to: Gain insights from Afsha Butt's career journey and discover the steps she took to succeed in the finance industry. Learn about the specific challenges faced by women in finance and discover strategies to overcome them. Understand the importance of financial education for young professionals and learn how it can set you up for success in your career. Discover practical strategies for overcoming prejudice in the workplace and creating a more inclusive environment. Gain valuable tips and insights on building a successful financial planning company and take your career to the next level. Challenges Faced by Women in FinanceAs a woman and a minority, Afsha Butt had to navigate a largely male-dominated financial industry. Nevertheless, despite the challenges and occasional prejudice she faced, her determination allowed her to overachieve and establish herself as an eminent financial advisor. Butt's story highlights the struggles women in finance face, but also the immense potential and resilience that can lead to success against all odds. The resources mentioned in this episode are: Visit Wealthverse's website at www.wealthverse.ca to learn more about their financial technology solutions and services. Explore the range of intelligent money management tools offered by Wealthverse to optimize your financial potential and bridge the gap between your current possessions and desired lifestyle. Book a consultation with Afsha Butt to receive personalized guidance and expertise in wealth management, investing, and profile mindset development. Connect with Afsha Butt on LinkedIn to expand your professional network and stay connected with her latest updates and industry insights. Share this podcast episode and Afsha Butt's work with your friends, family, and colleagues to help spread awareness about the importance of financial literacy and wealth management. Connect with Afsha Butt:  Website: Wealthverse.ca Linked: https://www.linkedin.com/in/afsha-butt/ Instagram: ⁠https://www.instagram.com/afshaaofficial/?hl=en Connect with Troy Holt here:  Website: ⁠⁠⁠⁠⁠⁠⁠⁠https:///www.troyholt.com⁠⁠⁠⁠⁠⁠⁠⁠⁠  LinkedIn: ⁠https://www.linkedin.com/in/troydholt⁠⁠⁠⁠⁠⁠⁠⁠  Twitter: ⁠https://twitter.com/TroyTalksMoney⁠⁠⁠⁠⁠⁠⁠⁠  Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100063546310389⁠⁠⁠⁠⁠⁠ Like, subscribe, download, and give a review of the Troy Talks podcast.

    31 min
  7. Unlocking Career Resilience: Strategies for Success with Dr. Helen Ofosu

    10/29/2023

    Unlocking Career Resilience: Strategies for Success with Dr. Helen Ofosu

    If you're feeling the frustration of constantly putting in extra hours, sacrificing your personal life, and still not getting the promotions or recognition you deserve, then you are not alone! Many professionals find themselves stuck in this cycle, wondering why their hard work isn't paying off. In this episode, you will be able to: Enhance your career resilience by learning effective strategies to bounce back from setbacks and challenges in the workplace. Build a supportive environment at work by discovering practical tips to foster teamwork, collaboration, and positive communication. Cultivate a growth mindset to navigate career setbacks and embrace opportunities for personal and professional growth. Unlock the power of networking and building relationships to expand your professional network and create new opportunities for career advancement. Prioritize self-care and well-being in your careers with actionable strategies to maintain a healthy work-life balance and enhance overall job satisfaction. My special guest is Helen Ofosu Dr. Helen Ofosu is an expert in industrial and organizational psychology with over 20 years of experience in the field. As a career and executive coach, she specializes in assessing and developing leadership skills, as well as navigating workplace challenges such as bullying, harassment, equity, diversity, and inclusion. Dr. Helen Ofosu founded the I O Advisory Services in 2012, offering executive and career coaching, HR consulting, and speaking engagements. Her expertise in psychology and business allows her to provide practical insights and strategies for professionals seeking to enhance their career resilience and navigate workplace challenges. With her upcoming book, "How to Be Resilient in Your Career: Facing Up to Barriers at Work," Dr. Helen Ofosu continues to empower individuals to overcome obstacles and thrive in their professional lives. Connect with Dr. Helen here:  Website: https://theresilientcareer.com/ Linked: https://www.linkedin.com/in/helenofosu/ Facebook: https://www.facebook.com/IOAdvisoryServices/ YouTube: https://www.youtube.com/user/ioadvisory Instagram: https://www.instagram.com/drheleno_ca/ Connect with Troy Holt here:  Website: ⁠⁠⁠⁠⁠⁠⁠https:///www.troyholt.com⁠⁠⁠⁠⁠⁠⁠⁠  LinkedIn: https://www.linkedin.com/in/troydholt⁠⁠⁠⁠⁠⁠⁠  Twitter: https://twitter.com/TroyTalksMoney⁠⁠⁠⁠⁠⁠⁠  Facebook: ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100063546310389⁠⁠⁠⁠⁠ Like, subscribe, download, and give a review of the Troy Talks podcast.

    41 min
  8. Diversity in Business Ownership: Deb Curtis on SBA Loans for Women and Minorities

    09/17/2023

    Diversity in Business Ownership: Deb Curtis on SBA Loans for Women and Minorities

    Have you ever heard these myths about Small Business Administration (SBA) loans for established businesses? Myth 1: SBA loans are only for startups. Myth 2: SBA loans are too complicated and time-consuming to apply for. Myth 3: SBA loans are only for certain types of businesses. In this episode, our guest, Deb Curtis, will debunk these myths and share the truth about SBA loans for women and minority small business owners. In this episode, you will be able to: Uncover hidden aspects of gender bias in the finance industry. Appreciate the triumph of tenacity and hands-on experience over formal education. Gain insights into how SBA loans can foster the growth of established businesses. Learn the significant role of diversity and inclusion in successful business ownership. Discover the power of self-belief and the potential in exploring diverse opportunities. My special guest is Deb Curtis Rising from humble beginnings, Deb Curtis is a beacon of inspiration to any budding entrepreneur. She is the founder of Curtis Small Business Finance Solutions, where she provides specialized consultancy in business ownership bank finance transactions. As a woman in a male-dominated sector, Deb made a commendable stride, becoming a trailblazer for countless women in corporate settings. She wears her relentless grit alongside her professional acumen gracefully, indicating that professional success is not solely tied to academic degrees. Connect with Deb here:  Website: https://www.debcurtis.com Linked: https://www.linkedin.com/in/deb-curtis-190534b/ Facebook: https://www.facebook.com/debjojocurtis/ Connect with Troy Holt here:  Website: ⁠⁠⁠⁠⁠⁠⁠https:///www.troyholt.com⁠⁠⁠⁠⁠⁠⁠⁠  LinkedIn: https://www.linkedin.com/in/troydholt⁠⁠⁠⁠⁠⁠⁠  Twitter: https://twitter.com/TroyTalksMoney⁠⁠⁠⁠⁠⁠⁠  Facebook: ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100063546310389⁠⁠⁠⁠⁠ Like, subscribe, download, and give a review of the Troy Talks podcast.

    38 min
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About

Troy Talks Money is for homeowners tired of making payments and having nothing to show for it. Hosted by Troy Holt, Certified Financial Education Instructor and Navy veteran, this show breaks down the truth about mortgages, interest, debt elimination, and wealth building in plain language. The mission is simple: helping families pay off their home in 5 to 7 years using the income they already have, without refinancing. Real interviews. Real strategy. Real freedom. Subscribe and never miss an episode.

Information

  • Creator
    Troy Holt | The Financial GPS
  • Years Active
    2019 - 2026
  • Episodes
    79
  • Rating
    Clean
  • Copyright
    © Troy Holt | The Financial GPS
  • Show Website
    Troy Talks Money