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In this episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell break down how wealthy agents actually think about money—and why most people struggle to build lasting wealth despite high incomes. Together, they walk through practical financial models the wealthy use to make better decisions around spending, saving, housing, investing, and retirement. Brett and Katelyn explain how to calculate the net worth and passive income you truly need to live your ideal life, why burn rate matters more than you think, and how expectations play a major role in happiness. This conversation is a step-by-step guide for agents and entrepreneurs who want clarity, structure, and confidence in their financial decisions—so money supports freedom, not stress. 🔑 TOP TAKEAWAYSWealth starts with better decision-making models. High earners still struggle without clear financial frameworks.Burn rate is the foundation of every financial plan. You can’t build wealth if you don’t know what you actually spend.Net worth and passive income must grow together. Tracking both gives a clearer picture of long-term freedom.Housing decisions shape your entire financial future. Being “house rich and cash poor” delays freedom.Saving 20% is the minimum standard. Consistency matters more than perfection.Growing income beats extreme expense cutting. There’s a limit to what you can cut—but income growth is scalable.Wealth is a long-term game. Gamifying progress helps maintain discipline and momentum. ⏱️ TIMESTAMPS00:00 – Welcome and episode overview 01:00 – Why wealthy people use financial models 05:00 – Business models vs personal money decisions 10:30 – Expectations, happiness, and net worth 15:00 – Why burn rate matters 19:00 – Housing decisions and the 30% rule 24:30 – Net worth targets and retirement math 30:00 – Tracking passive income vs net worth 35:30 – Expense discipline and lifestyle inflation 41:00 – Saving 20% and eliminating waste 47:00 – Gamifying wealth and long-term planning 52:00 – Three-step framework to build wealth 56:00 – Final action steps and closing thoughts RESOURCES & MENTIONS📚 Books & Thought Leaders MentionedBuy This, Not That – Sam DogenThe Seven Day Weekend – Ricardo Semler 🧮 Tools & Resources Mentioned (Explicitly Referenced)Be Wealthy Calculator👉 https://bewealthycalculator.com(Referenced for modeling retirement and children’s Roth planning)Be Wealthy Spreadsheets & Exercises(Brett and Katelyn explicitly state these will be included in the show notes) 🧠 Key Concepts DiscussedBurn Rate Tracking20% Savings RuleNet Worth vs Passive IncomeHousing Expense Ratios (30% Rule)Financial Models for Life DecisionsGamifying WealthIncome OptimizationLong-Term Financial Planning 🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:a...

In this episode of the Be Wealthy Podcast, host Brett Tanner sits down with financial educator and infinite banking expert Kyle Fuller to unpack how wealthy individuals think differently about money, liquidity, and control. Kyle shares his personal journey growing up in a large family, witnessing financial hardship during the 2008 crisis, and how those experiences shaped his philosophy around cash flow, reserves, and long-term wealth planning. Together, Brett and Kyle break down why education must come before investing, how poor liquidity destroys otherwise good strategies, and why following the crowd is one of the fastest ways to lose money. This conversation dives deep into infinite banking, wealth foundations, cash flow over net worth, and how to build a financial system that creates freedom — not stress. 🔑 TOP TAKEAWAYSEducation comes before investing. You must understand the game before you play it.Liquidity is survival. Without reserves, even “good” investments can fail.Cash flow beats net worth. Income today creates freedom; paper wealth does not.Don’t follow the crowd. Investing without a personal strategy leads to losses.Wealth requires control, not complexity. Simple systems outperform scattered strategies.Banks play a different game — and so should you. Learning how banks think changes how you manage money. ⏱️ TIMESTAMPS00:00 – Welcome and episode overview 00:45 – Kyle Fuller introduction and infinite banking focus 02:00 – Childhood money environment and family background 04:45 – The impact of the 2008 financial crisis 06:15 – Learning the importance of liquidity 08:00 – Why most people invest without a clear plan 10:00 – Defining investing criteria and risk tolerance 13:45 – Cash flow vs net worth and lifestyle design 16:45 – Money, time, and talent as limited resources 20:30 – Discovering infinite banking and whole life insurance 29:15 – How infinite banking actually works 35:00 – Using policies to finance major purchases 43:00 – Redirecting cash flow and controlling money 51:00 – Car financing example and long-term impact 59:30 – What wealth really means today 01:04:30 – Books, advice to his younger self, and final thoughts RESOURCES & MENTIONSBooks & Concepts Mentioned Becoming Your Own Banker – Nelson NashInfinite Banking ConceptCash Flow vs. Net WorthLiquidity & Financial ReservesRisk / Return / Noise Framework Organizations & Education FACT FinancialBe Wealthy Mastermind ⚠️ GUEST LINKS (KYLE FULLER) Factum Financial Educational ResourcesKyle Fuller & Factum Financial Facebook LinkKyle Fuller & Factum Financial InstagramKyle Fuller & Factum Financial LinkedIn a href="https://www.youtube.com/channel/UCejEL69E5as-505-UjQrveQ" rel="noopener noreferrer"...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with his longtime CPA, tax strategist, and trusted advisor Brian Muia for a deep dive into entrepreneurship, wealth-building, and advanced tax strategy. Brian shares his journey from growing up with limited resources to building and exiting multiple businesses, including companies in software, steel recycling, and accounting. He breaks down how early lessons around hard work, leverage, and replaceability shaped his entrepreneurial mindset — and why building a business that doesn’t rely on you is the key to true freedom. The conversation goes deep into passive income, leverage, exits, subscription-based businesses, and the latest tax strategies from the “Big Beautiful Bill.” Brian explains how smart planning around depreciation, Section 179, QSBS, and opportunity zones can dramatically accelerate wealth creation for entrepreneurs and real estate investors. This episode blends real-world business lessons, mindset, and highly tactical tax insights every serious entrepreneur should understand. 🔑 TOP TAKEAWAYSHard work is the foundation — leverage creates freedom. Entrepreneurs must learn to replace themselves to build sellable businesses.Wealth is the ability to choose what you work on. True wealth isn’t money — it’s control over your time and focus.Leverage people, systems, and capital early. Businesses grow when you stop doing everything yourself.Passive income takes time — not shortcuts. It can take 10+ years to truly remove yourself from operations.Subscription businesses attract buyers. Recurring revenue models are highly attractive to private equity.Tax strategy accelerates wealth. Smart planning can preserve millions in capital for reinvestment.Replaceability increases business value. If the business can’t run without you, it’s not sellable. ⏱️ TIMESTAMPS00:00 – Welcome and introduction to Brian Muia 02:30 – Brian’s upbringing and early money lessons 05:15 – How wealth and freedom are defined 08:00 – First entrepreneurial business and learning leverage 13:00 – Work ethic, discipline, and John Wooden lessons 17:00 – Building a business that doesn’t rely on you 21:00 – Systems, leadership, and becoming replaceable 26:00 – Pivoting, iteration, and entrepreneurship reality 30:30 – Major business exits and scalable thinking 35:00 – Opportunities in trades and subscription businesses 40:00 – Why tax strategy matters for...

In this episode of the Be Wealthy Podcast, Brett Tanner and Katelyn Mitchell break down the real reasons why most real estate professionals never become millionaires — even when they earn great income. Using Warren Buffett’s wealth philosophy as a foundation, Brett explains how long-term thinking, compounding, and disciplined decision-making create real wealth over decades — not overnight. Together, Brett and Katelyn unpack common financial traps like overleveraging, emotional decision-making, lifestyle inflation, and constantly “visiting” your capital. This episode dives deep into wealth models, cash flow strategy, debt discipline, and how small financial choices compound into massive outcomes over time. If you’ve ever felt “behind” financially or confused about why hard work hasn’t translated into wealth yet, this conversation brings clarity, structure, and a proven path forward. 🔑 TOP TAKEAWAYS• Wealth is built over decades, not years. Compounding rewards patience and consistency. • Emotional decisions destroy wealth faster than bad math. Models remove emotion. • Your primary residence can either support your wealth plan — or sabotage it. • Cash flow creates freedom; paper wealth creates stress. • Overleveraging and chasing zero-money-down deals increase risk, not returns. • The wealthy buy income-producing assets before upgrading lifestyle. • Liquidity feels safe, but excess cash loses to inflation. • Debt is a tool — but only when tied to cash-flowing assets. • Small decisions, repeated consistently, create massive long-term outcomes. • Feeling “behind” is normal — even Warren Buffett felt it. ⏱️ TIMESTAMPS00:00 – Welcome to the Be Wealthy Podcast 01:15 – What Really Stops People From Becoming Millionaires 03:45 – The Rattlesnake Story & Why You Need a Financial Plan 06:15 – Studying Warren Buffett’s Wealth Philosophy 08:30 – Why Being “Weird” Is Often the Path to Wealth 11:45 – Buffett’s Home Purchase & Radical Financial Discipline 14:00 – Emotional Decisions vs. Financial Models 17:00 – The 30/30/3 Rule for Buying a Primary Residence 20:00 – Why Most People Overbuy Their Homes 23:00 – The Cost of Lifestyle Inflation 27:00 – Cash Flow vs. Paper Wealth 30:00 – Why Compounding Feels Slow… Until It Doesn’t 34:00 – Why Buffett Felt “Behind” at Age 43 37:00 – Inflation, Opportunity, and Cash Reserves 42:00 – The Danger of Constantly “Visiting” Your Capital 47:00 – Debt Discipline & Overleveraging Mistakes 52:00 – Why Zero-Money-Down Isn’t Something to Brag About 57:00 – Creating Cash Flow Before Upgrading Lifestyle 1:01:00 – Final Thoughts on Long-Term Wealth Thinking RESOURCES & MENTIONSPeople & Concepts Mentioned Warren Buffett & Charlie MungerBerkshire Hathaway Cash StrategyAlbert Einstein on Compound Interest Books Mentioned The Compound Effect – Darren Hardya...

In this powerful episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell break down one of the most important — yet most overlooked — components of building a wealthy life: time. This episode isn’t about money tactics, investing, or business strategy. It’s about designing a future you’re truly excited to live. Brett shares the life-changing exercise that transformed the way he approaches each year, each season, and each relationship — an exercise built around understanding the finite nature of time and intentionally planning a life by design, not by default. Together, Brett and Katelyn explore the emotional weight of realizing how much time remains with loved ones, how to build meaningful rituals that last, why wealthy people think in longer time horizons, and how to architect a year that aligns with your highest priorities. This episode will shift the way you plan your life, measure success, and invest your most valuable resource: time. 🔑 TOP TAKEAWAYSTime is your most valuable asset. Money is replaceable — time isn’t. Wealthy people plan far ahead to maximize meaningful experiences.Your future should guide your present. Big decisions today should be influenced by the life you want 10, 20, or 30 years from now.You have fewer moments left than you think. Whether with friends, kids, or aging parents, the math of time creates urgency and clarity.Rituals create lasting connection. Build traditions that survive changing seasons of life — especially with family.Not all time is equal. An hour of intentional connection is far more valuable than an hour of proximity.Freedom comes from discipline. Planning your year doesn’t restrict you — it unlocks the ability to live a purposeful life.Your life is the sum of your choices — nothing more, nothing less. When you choose with intention, you create a life without regret. ⏱️ TIMESTAMPS00:00 – Intro: Designing a wealthy life through time 01:00 – Why wealthy people think further into the future 02:15 – Time as your most important resource 03:00 – The truth: Money can’t buy time 04:00 – The three resources: Time, Money, Talent 05:00 – The mindset shift most people never make 06:15 – The “weeks of your life” exercise 07:30 – How projecting into the future changes the present 09:00 – The number of days you have left — and why it matters 10:15 – Seasons of life: Why timing determines opportunity 12:00 – Why certain experiences lose value later in life 13:30 – Life design through intentional rituals 16:00 – The ocean swim metric: Designing your own “success measures” 17:30 – The Super Bowl example — only so many left 19:00 – Katelyn’s story: Cheating the system to gain time with her father 24:00 – What people regret at the end of life 25:30 – Spending 90% of your time with kids before they move out 27:30 – Why meaningful rituals outlast proximity 29:30 – “Two lives — the second begins when you realize you have only one” 31:00 – Your life = the sum of your choices 32:00 – Warren Buffett’s 5/25 rule for...

In this Best Of episode of the Be Wealthy Podcast, Brett Tanner brings together the most impactful lessons, insights, and mindset shifts from recent episodes — all focused on what actually creates real wealth. This compilation covers defining wealth beyond money, long-term investing principles, pricing risk, creating freedom through intentional decisions, and building a life centered around experiences, ownership, and clarity. Brett shares powerful frameworks around investing, income growth, leverage, time, and personal responsibility — without hype or shortcuts. If you’re serious about building wealth the right way, this episode delivers the core ideas that matter most — fast, practical, and timeless. 🔑 TOP TAKEAWAYSWealth is freedom, not money. True wealth comes from choice, flexibility, and control over your time.Define your own version of success. Chasing someone else’s goals leads to regret.Experiences matter more than accumulation. Money is a tool to create meaningful moments.Risk must be priced correctly. Higher returns always come with higher exposure.Most opportunities look like work at first. The best deals rarely arrive polished.Momentum beats talent. Consistent action compounds faster than perfection.Income creates opportunity, but capital creates freedom. You must move beyond human capital.Over-leverage creates stress. Stress leads to bad financial decisions.Long-term thinking always wins. Compounding rewards patience and discipline.The goal is clarity and peace. Wealth should simplify life, not complicate it. ⏱️ TIMESTAMPS00:00 – Introduction: Best Of Be Wealthy Podcast 01:10 – What Real Wealth Actually Means 03:00 – Why Wealth Is More Than Money 05:00 – Defining Freedom on Your Own Terms 07:15 – Experiences vs. Accumulation 09:30 – Why Most People Chase the Wrong Goals 12:00 – Human Capital vs. Financial Capital 14:30 – Turning Income Into Long-Term Wealth 17:00 – Risk, Return, and Pricing Investments Correctly 19:45 – The 40/40/20 Investment Framework 22:30 – Why Internet Math Gets Investing Wrong 25:15 – Opportunities That Look Like Work 28:00 – Creating Unfair Advantage in Business 30:45 – Momentum, Consistency, and Taking Action 33:30 – Ownership Thinking vs. Employee Thinking 36:00 – Vertical Integration and Multiple Income Streams 38:45 – Why Your Primary Home Is Not an Investment 41:30 – Lifestyle Creep and Silent Wealth Killers 44:15 – Debt, Stress, and Clear Decision-Making 47:00 – Using Leverage the Right Way 49:30 – Long-Term Thinking and Compounding 52:15 – Why Patience Always Wins 55:00 – Designing a Life You’re Excited About 57:45 – Money as a Tool, Not the Goal 1:00:30 – Creating Meaningful Experiences With Wealth 1:03:30 – Lessons From Past Guests and Episodes 1:06:00 – Common Themes Across the Best Of Episodes 1:08:30 – Final Reflections on Wealth and...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with Michael Velasco, founder of Exchangeable, for a deep dive into the powerful world of 1031 Exchanges and how savvy investors use them to grow wealth while legally minimizing taxes. Michael shares his 20+ year journey through real estate, accounting, and tax strategy, showing how every step of his career prepared him to become a leading expert in 1031 exchanges. Together, Brett and Michael break down the fundamentals of exchanges, common mistakes investors make, and the advanced strategies high-net-worth individuals use to protect and multiply their portfolios. This episode blends real-world investing strategy, tax education, mentorship, and long-term wealth thinking—making it essential listening for any serious real estate investor. 🔑 TOP TAKEAWAYSTaxes don’t destroy wealth—poor strategy does. With the right tools, investors can defer taxes and keep more capital compounding. Timing is everything in a 1031 exchange. Miss the 45-day or 180-day deadline and the entire exchange can fail. Reverse exchanges create opportunity in competitive markets. Buying first gives investors the upper hand when inventory is tight. You must reinvest all proceeds to fully defer taxes. Any leftover cash becomes taxable “boot.” Any investment property can be exchanged for another. Residential, commercial, or land can all qualify when structured correctly. Execution matters more than intention. Even great investment plans fail without proper structure and guidance. Mentorship shortens the learning curve. Learning from experts helps investors avoid costly mistakes. Education is a wealth multiplier. The more you understand tax strategy and investing, the faster you grow. Wealth is built through reinvestment, not consumption. Capital must keep moving into productive assets to grow. Long-term thinking always wins. The biggest rewards go to those who play the long game, not the quick win. ⏱️ TIMESTAMPS00:00 – Welcome to the Be Wealthy Podcast & Introduction to 1031 Exchanges 01:15 – Meet Michael Velasco: 20+ Years in Real Estate 03:00 – The REO and Short Sale Market During the Crash 05:30 – Why Michael Left Traditional Real Estate for Tax Strategy 07:15 – Discovering the Power of 1031 Exchanges 09:30 – What a 1031 Exchange Really Is (Simple Breakdown) 12:00 – The 45-Day Identification Rule Explained 14:45 – The Biggest Risk in a Forward Exchange 17:00 – Why High-Level Investors Prefer Reverse Exchanges 20:00 – Buying First, Selling Later: How Reverse Exchanges Work 23:00 –...

In this episode, Brett Tanner and co-host Katelyn Mitchell walk through the exact end-of-year and start-of-year wealth checklist they personally use to manage their businesses, reduce taxes, and grow long-term wealth. This episode is highly tactical — Brett covers how to update entity structures, evaluate your investments, adjust your wealth plan, review rental performance, optimize retirement accounts, and create a simple 12-month business and financial roadmap. If you're building wealth, this episode shows you precisely what to review, update, and execute every December and January to stay on track for long-term financial freedom. 🔑 TOP TAKEAWAYSClean up your entity structure yearly. A simple, accurate flowchart helps your CPA and improves tax strategy. Track your wealth consistently. Monthly net worth and annual plan updates keep you on course. Review every rental property annually. Update values, cash flow, and return metrics to spot underperformers. Fix or reposition bad assets. Refinance, improve, raise rents, or sell—don’t hold dead weight. Max out your retirement accounts. HSA, Roth, Backdoor Roth, and self-directed accounts accelerate long-term wealth. Build a simple 1–3–5 wealth plan. One goal, three priorities, five actions—clarity drives results. Wealth is a system, not luck. Small yearly adjustments compound into financial freedom. ⏱️ TIMESTAMPS00:00 — Intro 01:30 — Why Your Wealth Plan Must Be a Checklist 02:45 — End-of-Year Framework Overview 05:00 — Update Your Entity Flowchart 09:50 — How to Review Your Entities Properly 14:00 — Update Your Wealth Plan & Personal Balance Sheet 19:00 — Understanding Net Worth Tracking 25:00 — Your 30-Year Plan & Annual Review 28:30 — Update Rental Property Fair Market Values 33:00 — Expense Ratio: The #1 Driver of Rental Success 39:00 — What To Do With Underperforming Assets 43:00 — Retirement Accounts You Should Optimize 49:00 — Building Your 1-3-5 Wealth Plan 55:00 — Final Steps: Calendar, tax strategy, and business financial review RESOURCES & MENTIONSBE WEALTHY TOOLSEntity Structure Template (LLC + Trust Flowchart)Personal Balance Sheet Template30-Year Wealth Plan TemplateRental Tracker Spreadsheet1-3-5 Wealth Planning TemplateFlash Report (Business KPIs)Be Wealthy Retirement Account Guide ⚡ CONNECT & SUBSCRIBE🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:  / brettbewealthy   Instagram:a...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with real estate powerhouse and team leader Dan Beer, whose organization has produced over $900M in sales and now spans more than 150 agents across multiple states. Dan opens up about his early money beliefs growing up in Mexico City, how childhood programming can shape (and limit) our financial destiny, and the deep inner work required to break through those mental ceilings. He and Brett dive into mindset, wealth identity, personal evolution, and why self-awareness—not strategy—is the true unlock toward long-term success. Dan also shares his journey of merging his business with another top team, navigating leadership at scale, and building a life centered around peace, purpose, and continuous growth. This episode blends high-level strategy with emotional intelligence, inner work, and the psychology behind wealth creation. 🔑 TOP TAKEAWAYSYour 10-year-old self still runs your financial life—until you consciously rewrite the script. Childhood beliefs often shape how big you allow yourself to play.Inner work unlocks outer wealth. You cannot out-earn your lack of awareness. Self-development is the secret to breaking income ceilings.Business is a spiritual journey. Entrepreneurship forces you to confront your patterns, triggers, and identity.Wealth = peace, not money. Real wealth is freedom from anxiety, clarity in thought, and alignment in life.Your team must evolve as you evolve. Your CPA, advisors, and inner circle must match your current level—not your past one.Goals are an orientation, not a finish line. When you enjoy the journey instead of living in the gap, momentum comes naturally. ⏱️ TIMESTAMPS00:00 – Introduction: Meet Dan Beer 01:00 – Dan’s Roots: Growing Up in Mexico City & Early Money Beliefs 05:00 – Watching His Parents Rise, Fall, and Rise Again 07:00 – “That’s Not For Us”: Limiting Money Scripts from Childhood 09:00 – Investing From Your Former Self vs. Your Present Self 12:00 – Why Inner Work Matters More Than Business Tactics 15:00 – Business as a Spiritual Journey 18:00 – Dan’s Daily Mindfulness & Deep Work Practices 20:00 – Hard-Charging Dan vs. Evolved Dan: How Success Changes You 23:00 – The IRS Lesson & Losing Seven Figures to Taxes 27:00 – Rethinking Goals: Orientation Over Outcome 30:00 – The Power of Measuring Backward (Gap vs. Gain) 33:00 – The Million-Dollar Savings Breakthrough 36:00 – Creating Tax, Wealth & Personal Spending Accounts 40:00 – Lifestyle Creep & Fixing Money Systems at Home 43:00 – Why Your CPA Must Evolve With You 46:00 – Inside Dan’s 150-Agent, 900M+ Organization 50:00 – Leadership, Marriage, and the Whole-Person Approach 55:00 – The Real Ceiling: Your Unresolved Personal Patterns 57:00 – Dan’s Most Impactful Books & Final Lessons on Wealth 🧭 RESOURCES & MENTIONSBooks Mentioned: – The Richest Man in Babylon – The Untethered Soul by Michael A. Singer – Letting Go by David Hawkins – The Surrender Experiment by Michael A. SingerWealth & Mindset Concepts: – Gap vs. Gain Concept (Dan Sullivan) – Passive Income vs. Lifestyle Creep – The Power of Automating Tax & Savings – Deep Work / Inner Work Routines 🚨 BE WEALTHY...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with real estate investor and mortgage expert Josh Mettle to unpack the real truth about building wealth in today’s economic environment. Josh shares his journey from buying single-family rentals with little cash flow, to scaling into large multifamily assets, and ultimately becoming a sophisticated investor who understands inflation, risk, and long-term wealth creation. This powerful conversation dives deep into the realities of today’s housing market, what actually creates financial freedom, and why many investors get stuck chasing low-return, high-friction strategies. Josh also reveals how he shifted from hustling “for cash flow” to building a portfolio that compounds safely, sustainably, and with far less stress. 🔑 TOP TAKEAWAYS- Hard assets win long-term. Real wealth is created through assets that appreciate, hedge inflation, and give you optionality. - Cash flow isn’t always in the first phase. Early investing gives you equity; the cash flow often comes in the later stages through refinancing or trading up. - Single-family rentals are harder today. Higher repairs, taxes, insurance, and tenant behavior make cash flow challenging without the ability to bill back costs. - Know your return on equity. Investors should measure actual dollars distributed vs. the total equity tied up — many would be better off reallocating. - Mindset matters. Wealth comes from disciplined thinking, resiliency, and moving from “hustle energy” to strategic, sustainable growth. ⏱️ TIMESTAMPS00:00 – Introduction: Meet Josh Mettle 02:00 – Early Investing: How Josh Started in Single-Family Rentals 05:00 – Understanding Today’s Housing Market vs. the 1990s 12:45 – The Challenge of Cash Flow in 2024–2025 17:15 – Stage 2: Discovering Return on Equity & Rethinking Cash Flow 19:00 – Why Some Properties Are “High Friction, Low Payoff” 23:00 – From Rentals to Larger Assets: Scaling with Intention 27:00 – Inflation, Rates, and the Hidden Forces Affecting Investors 32:00 – Why Many Investors Overestimate Their Returns 36:00 – Hard Assets vs. The Dollar: Protecting Yourself from Inflation 40:00 – Silver, Gold, Bitcoin — and Why They Matter Today 45:00 – AI, Silver Demand, and Global Economic Shifts 52:00 – The True Cost of Being a Landlord in the Modern Market 57:00 – What Josh Wishes Investors Understood About Wealth 1:03:00 – Final Insights: Building Long-Term Financial Freedom 🧭 RESOURCES & MENTIONSFrom the EpisodeJosh’s Article: WTF Happened to the American Dream: https://www.linkedin.com/pulse/wtf-happened-american-dream-joshua-mettle-zoh1c/?trackingId=AIL36sgKQKiAfbWux2UVJg%3D%3DJosh on The Jason Hartman Podcast: https://youtu.be/zlE23yF95DI?si=TfcDMCEKVPOmfE__ Blogs Josh Followshttps://www.jameslavish.com/https://www.youtube.com/@allinhttps://www.youtube.com/@JasonHartmanEmpoweredInvestorhttps://www.zerohedge.coma...

In this episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell break down one of the most important concepts in wealth building: The Path of Money. Brett walks through how wealthy people think about income, cashflow, reserves, investing, and the compounding machine that ultimately builds long-term freedom. Using real examples — including short-term lending deals, mid-term investments, and legacy real estate — Brett shows how anyone can move from human-capital income to capital-asset income. This episode goes deep into cashflow systems, passive vs. active investments, creating a wealth plan, managing reserves, and understanding the psychology behind spending, saving, and investing. It’s a complete roadmap for anyone serious about achieving financial independence. 🔑 TOP TAKEAWAYSEvery dollar needs a job - The foundation of wealth is assigning purpose to every dollar — spend, donate, hold (reserves), or invest.You cannot build wealth without paying attention - Most people lose money because they don’t track their burn rate, rates of return, or monthly net worth. Pay attention.Human capital → Capital assets → Cashflow - The wealthy move from earning money with time (job/business) to earning money with money (assets).Reserves = Freedom + Peace - Everyone needs 12 months of burn rate saved before heavily investing — your “Don’t Get Hurt Plan.”Cashflow is more important than net worth - Two people can have identical wealth but completely different lives depending on what produces their income. Cashflow wins.The wealth machine must be passive + uninterrupted + compounding - Uninterrupted returns, passive investments, and compounding velocity accelerate financial independence.Learn your forever assets early - Start studying commercial or legacy assets today — opportunities go “on sale” during market cycles. ⏱️ TIMESTAMPS00:00 – Introduction & Brett’s fishing story 03:00 – What “The Path of Money” actually means 05:00 – Human Capital vs. Capital Assets explained 10:00 – Velocity of Money: Using cashflow to grow faster 14:00 – Compound interest: Working for vs. against you 16:00 – Moving from surviving → thriving → investing 20:00 – The Four Decisions: Spend, Donate, Hold, Invest 23:00 – The 12-Month Reserve Rule (Don’t Get Hurt Plan) 26:00 – Using high-yield savings for short-term money 28:00 – The difference between lending vs. owning assets 33:00 – How to properly calculate returns & avoid “lazy” investing 40:00 – Cashflow vs. Net Worth — The real difference in lifestyle 47:00 – Brett’s real Starbucks deal case study (Mailbox Money) 53:00 – Why your wealth plan must use 10-, 20-, and 30-year timelines 57:00 – Passive vs. Active: Why passive wins long-term 1:03:00 – Studying forever assets (commercial real estate) 1:20:00 – Building the snowball that leads to financial freedom  1:23:00 – Final lesson: Pay attention to your money or lose wealth 🧭 RESOURCES & MENTIONSConcepts & Frameworks– Path of Money (from Gary Keller) – Velocity of Money – Human Capital → Capital Assets – Cashflow vs. Net Worth – Forever Assets Tools & Practices– High-yield savings accounts – Sweep accounts for automatic 3–4% returns – Private lending and short-term notes – Long-term real estate and commercial properties Referenced Books / Ideas– Average Sucks – Michael Bernoff (micro-transfers strategy) – Compounding &...

In this episode of the Be Wealthy Podcast, Brett Tanner talks with powerhouse mortgage leader Shayla Gifford, who shares her journey from humble beginnings and family challenges to building a billion-dollar business and a life of balance. Shayla opens up about growing up in a hardworking, disciplined family, developing resilience early, and turning those lessons into entrepreneurial drive. She reveals how hitting her financial goals didn’t bring fulfillment — and how redefining success through purpose, balance, and freedom transformed her life. This episode dives deep into high performance, leadership, burnout recovery, and building wealth without losing yourself along the way. 🔑 TOP TAKEAWAYS Winning is a mindset. True success starts from self-belief and consistent habits.Reinvention is key. Each stage of life requires new focus, systems, and identity.Burnout is a teacher. Slowing down can unlock clarity, freedom, and better leadership.Structure creates space. Systems and routines empower balance — not restrict it.Legacy over hustle. Real wealth is the ability to design a life you truly love. ⏱️ TIMESTAMPS 00:00 – Introduction: Meet Shayla Gifford 01:00 – Growing Up in a Driven, Working-Class Family 04:00 – Early Lessons: Strength, Discipline, and “Changing the Channel” 08:00 – Building Resilience and the Desire to Be Exceptional 12:00 – From Network Marketing to Real Estate and Mortgages 16:00 – Learning the Value of Money and Security 19:00 – 2008 Market Crash: Adapting and Door-Knocking for Refis 23:00 – Discovering Coaching and the Power of Systems 27:00 – Building a Sustainable, Scalable Business 30:00 – Hitting the $4 Million Goal – and Realizing “Nothing Changed” 34:00 – The Journey from Success to Significance 37:00 – Scaling, Leadership, and Building Teams 42:00 – Burnout and the Shift Toward Work-Life Balance 45:00 – Living Abroad in Spain: The Reset that Changed Everything 50:00 – Reinvention, Time Freedom, and Working 3 Days a Week 54:00 – Building Systems for Freedom and Long-Term Success 58:00 – Redefining “On Fire”: The 4 Domains of Fulfillment 1:00:00 – Final Thoughts: Getting Better Every Year 🧭 RESOURCES & MENTIONS Guild Mortgage – Shayla’s leadership and growth journeyCatalyst Coaching Program – Shayla’s framework for high-performing loan officersEOS (Entrepreneurial Operating System) – for leadership and team structureWin By Noon Planner by Todd BookspanThe 7-Day Weekend by Ricardo SemlerThe Be Wealthy Mastermind – Brett Tanner’s coaching community ⚡ CONNECT & SUBSCRIBE🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:  / brettbewealthy   Instagram:a...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with real estate leader Dustin Runyon, who shares his powerful journey from being broke and deep in debt to developing over 1,200 acres and leading one of the top real estate teams in the country. Dustin opens up about his early struggles with money, lessons from failure, and how he transformed his mindset from scarcity to abundance. Together, Brett and Dustin unpack how discipline, self-awareness, and clear money rules can create real freedom and peace of mind. This episode dives deep into rebuilding after failure, mastering your relationship with money, and creating a life built on focus, alignment, and long-term wealth. 🔑 TOP TAKEAWAYS Financial discipline creates freedom. Lasting wealth comes from structure and habits, not quick wins.Active income is your foundation. Keep building before chasing “passive” opportunities.Debt is a teacher. Learning from mistakes is the most powerful investment you can make.Know your “floor.” Build a savings base that covers your lifestyle for 12–24 months before investing.Invest only in what you understand. Simplicity and patience outperform risky, shiny strategies. ⏱️ TIMESTAMPS 00:00 – Welcome & Introduction of Dustin Runyon 01:15 – Growing Up With a Scarcity Money Mindset 05:15 – Starting in Real Estate During the 2008 Crash 07:30 – Chasing Image, Validation & Lifestyle 09:30 – Avoiding Financial Reality & Taxes 13:00 – Discovering $1M in Tax Debt 15:00 – 16 Months of Extreme Financial Discipline 18:30 – Paying Off Debt & Regaining Control 20:00 – First $1M in the Bank After Debt 24:00 – Creating a Financial “Floor” for Freedom 30:00 – Living Below Your Means & Smart Investing 36:00 – Active vs. Passive Income Truth 42:30 – Dustin’s Rules on Debt 48:30 – Leading From Abundance, Not Scarcity 57:15 – Final Thoughts on Wealth, Discipline & Freedom 🧭 RESOURCES & MENTIONS The Be Wealthy Mastermind – Brett Tanner’s coaching communityThe 4-Hour Workweek by Tim Ferriss – on freedom and leverageThe Almanack of Naval Ravikant – principles on wealth and peace of mindRich Dad, Poor Dad by Robert Kiyosaki – rethinking money and mindsetGary Keller – teachings on discipline and wealth building 🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:  / brettbewealthy   Instagram:a...

In this episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell unpack how the wealthy think differently about time and relationships — and why mastering both is the foundation for long-term freedom. They discuss how successful entrepreneurs leverage delegation, guard their calendars, and build powerful connections that multiply opportunity. This conversation goes deep into creating leverage in life, scaling impact through people, and protecting your most valuable resource — your time. 🔑 TOP TAKEAWAYSTime is the ultimate currency. How you invest it determines your wealth trajectory.Wealthy people buy back their time through delegation, systems, and automation.Relationships are your greatest ROI. Surround yourself with growth-oriented people who elevate your vision.Learning to say “no” is a superpower that protects your focus and energy.Freedom isn’t about working less — it’s about working intentionally on what moves the needle most. ⏱️Timestamps 00:00 – Introduction: Welcome to the Be Wealthy Podcast 05:00 – Entering the Resort Business 10:00 – The Circles of Relationships Explained 15:00 – Understanding Time and Relationship Priorities 20:00 – Defining Lifetime Relationships 25:00 – Building Long-Term Connections 30:00 – Identifying Your Inner and Outer Circles 35:00 – Turning Acquaintances into Real Connections 40:00 – Managing Draining Relationships 45:00 – The “Average of Five People” Principle 50:00 – Mentorship, Role Models, and Influence 55:00 – Defining What True Wealth Really Means 1:00:00 – Closing Thoughts: Building a Life of Purpose and Freedom 🧭 RESOURCES & MENTIONSTim Ferriss – “The 4-Hour Workweek” (on buying back time and creating leverage)Naval Ravikant – “Leverage, Time, and Wealth” Podcast ClipBrett Tanner – Be Wealthy Mastermind (coaching and mentorship program)*Tony Robbins – Time Management & Energy Focus FrameworkThe Pareto Principle (80/20 Rule) (on focusing on high-impact work)Be Wealthy Podcast Website: www.BeWealthyBrett.com 🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:  / brettbewealthy   Instagram:  / bewealthybrett   Twitter (X):a...

Want more BeWealthy? Subscribe to The Be Wealthy Weekly: #GetFree Playbook💡 EPISODE SUMMARYThe Be Wealthy Podcast is back! Brett Tanner and Katelyn Mitchell kick off Season 2 with a powerful breakdown of Sam Altman’s viral post “What I Wish I’d Known” — reframed as a blueprint for entrepreneurs chasing freedom and wealth. From failure, obsession, and raw horsepower to building teams and aligning incentives, Brett shares how the world’s most successful founders think. Plus, Katelyn reveals her journey from golf courses to real estate and how she joined Brett’s mission to #GetFree. “You don’t learn by reading — you learn by doing. Sometimes you’ve got to throw your wallet over the fence.” – Brett Tanner 🔑 TOP TAKEAWAYSFailure = Feedback: Every misstep is tuition for what comes next.Throw Your Wallet Over the Fence: Courage beats inaction every time.Raw Horsepower & Obsession: Why energy and urgency create momentum.Hustle Doesn’t Scale: Systems and data do.Incentives as Superpowers: Align motivation with profit.Recruit High-Impact People: Find those with “high horsepower.”Think in Decades, Execute in Weeks: Long-term vision, short-term speed. ⏱️ TIMESTAMPS00:00 – Welcome to Season 2 of Be Wealthy 01:15 – Meet Katelyn Mitchell & her journey into real estate 07:30 – How Brett crashed a KW event (and met Katelyn) 12:30 – Sam Altman’s 13 Lessons → “How to Become a Billionaire” 15:00 – Failure vs Feedback – seeing loss as learning 16:15 – “Throw Your Wallet Over the Fence” analogy 20:30 – Why soft launches kill momentum 24:00 – Cryotherapy startup story + the power of speed 33:00 – Incentives and ownership mindsets 44:00 – Focus & high-conviction bets 50:00 – Clear communication and fighting bureaucracy 54:00 – Recruiting high-horsepower people 58:30 – Think in decades, execute in weeks · #GetFree 🧭 RESOURCES & MENTIONSSam Altman – “13 Things I Wish I’d Known”Fire Ready Aim by Michael MastersonThe Internship (blender scene reference)Be Wealthy Podcast Website ⚡ CONNECT & SUBSCRIBE🚨 BE WEALTHY WEBSITE 🚨 👉 www.BeWealthy.com 📱 Follow Be Wealthy: Facebook:  / brettbewealthy   Instagram:/ bewealthybrett   Twitter (X): / bewealthybrett   TikTok:  / bewealthybrett  🧱 ABOUT THE SHOWThe Be Wealthy Podcast brings entrepreneurs the strategies to grow their business — then teaches them how to think about their money. Because wealth is far more than money — it’s freedom. Hosted by Brett Tanner & co-pilot Katelyn Mitchell. Mission: #GetFree. 📚 Free Resources: https://www.bewealthybrett.com/resources 🏦 Infinite Banking Education: SaveLikeaBank.com ⚡️ Cost Segregation Studies and 45L Tax Credit: a href="https://SingleFamilyCostSeg.com"...