My next guest has owned 23 businesses including one business where a customer chucked a burrito at his head. Moments like that made him say “You know what, maybe this business isn’t for me.” He’s been through the good, the bad, and the ugly and now has a ton of experience to help other business owners avoid mistakes and achieve their dreams. In this episode, we break down some of his major lessons learned as well as some of his biggest wins. As we talk through what works and what doesn’t work in business, we lead up to the company he’s building today which is a membership business model. He’s big on building businesses with recurring revenue and high retention. Please welcome David Alexander.  Key Timecodes  (00:57) - Show intro and background history (05:27) - Deeper into his background history, failures, and successes (09:04) - Lessons learned from the failures (16:18) - A bit about a franchising business that he sold (23:43) - Understanding his Trustegrity business model (29:39) - A bit about the numbers of his business model (32:31) - The importance of networking (36:40) - How investing in stocks can help entrepreneurs (47:24) - What is the worst advice he ever received (48:28) - What is the best advice he ever received (49:39) - Time machine question (51:50) - Guest contacts   Payback Time Podcast  A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest has owned 23 businesses including one business where a customer chucked a burrito at his head. Moments like that made him say “You know what, maybe this business isn’t for me.” He’s been through the good, the bad, and the ugly and now has a ton of experience to help other business owners avoid mistakes and achieve their dreams. In this episode, we break down some of his major lessons learned as well as some of his biggest wins. As we talk through what works and what doesn’t work in business, we lead up to the company he’s building today which is a membership business model. He’s big on building businesses with recurring revenue and high retention. Please welcome David Alexander. Key Timecodes <ul> <li>(00:57) - Show intro and background history</li> <li>(05:27) - Deeper into his background history, failures, and successes</li> <li>(09:04) - Lessons learned from the failures</li> <li>(16:18) - A bit about a franchising business that he sold</li> <li>(23:43) - Understanding his Trustegrity business model</li> <li>(29:39) - A bit about the numbers of his business model</li> <li>(32:31) - The importance of networking</li> <li>(36:40) - How investing in stocks can help entrepreneurs</li> <li>(47:24) - What is the worst advice he ever received</li> <li>(48:28) - What is the best advice he ever received</li> <li>(49:39) - Time machine question</li> <li>(51:50) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E42 - David Alexander - From having food thrown at him to owning 23 businesses

MICHAEL MEADE

My next guest was a public accountant, who eventually moved over to a controller role, and then eventually worked his way up to CFO. However, he wasn’t totally satisfied with trading his time for money which is why he started investing in real estate at early as he could. In this episode, we talk about his 10-year timeline to achieving FIRE and we also talk about his company and what types of asset classes they invest in today. Please welcome Michael Meade.  Key Timecodes  (00:47) - Show intro and background history (02:45) - Deeper into his background history (03:35) - Understanding his real estate strategies (06:28) - Where are his properties located? (09:18) - Some numbers and revenue of his business model (11:34) - His thoughts about the real estate market today (19:43) - What opportunities is he looking for in the real estate market (21:00) - How someone can join and invest in his business model (21:47) - What are the return expectations (23:52) - Deeper into the real estate investment fund model (29:56) - Rapid fire round (personal questions) (31:30) - What is the worst and best advice he ever received (33:15) - Guest contacts   Payback Time Podcast  A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was a public accountant, who eventually moved over to a controller role, and then eventually worked his way up to CFO. However, he wasn’t totally satisfied with trading his time for money which is why he started investing in real estate at early as he could. In this episode, we talk about his 10-year timeline to achieving FIRE and we also talk about his company and what types of asset classes they invest in today. Please welcome Michael Meade. Key Timecodes <ul> <li>(00:47) - Show intro and background history</li> <li>(02:45) - Deeper into his background history</li> <li>(03:35) - Understanding his real estate strategies</li> <li>(06:28) - Where are his properties located?</li> <li>(09:18) - Some numbers and revenue of his business model</li> <li>(11:34) - His thoughts about the real estate market today</li> <li>(19:43) - What opportunities is he looking for in the real estate market</li> <li>(21:00) - How someone can join and invest in his business model</li> <li>(21:47) - What are the return expectations</li> <li>(23:52) - Deeper into the real estate investment fund model</li> <li>(29:56) - Rapid fire round (personal questions)</li> <li>(31:30) - What is the worst and best advice he ever received</li> <li>(33:15) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E41 - Michael Meade - 10 years to FIRE with real estate

Bob Lachance

My next guest was a professional hockey player who talks about his transition to real estate investing, to real estate education, and finally on to starting and growing a virtual assistant company. In this episode, we talk about the pros and cons of hiring virtual assistants, how to get them up to speed fast, and how to leverage their skills to help scale your company. Please welcome Bob Lachance.Key Timecodes  (00:42) - Show intro and background history (05:11) - His background as a hockey player (06:25) - His VA and real estate business models (07:24) - Deeper into his real estate background and strategies (11:11) - How to start investing in real estate and buy the first property (12:38) - Deeper into his VA business model (14:05) - Understanding his team overseas (14:32) - Deeper into his VA business model and strategies (17:02) - How his virtual assistants' team training works (21:36) - The pros and cons of using the VA workforce (24:40) - How he scale his VA business (27:16) - Finding great talent around the globe (31:03) - What is the worst advice he ever received (31:37) - What is the best advice he ever received (32:50) - Guest contacts  Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was a professional hockey player who talks about his transition to real estate investing, to real estate education, and finally on to starting and growing a virtual assistant company. In this episode, we talk about the pros and cons of hiring virtual assistants, how to get them up to speed fast, and how to leverage their skills to help scale your company. Please welcome Bob Lachance. Key Timecodes <ul> <li>(00:42) - Show intro and background history</li> <li>(05:11) - His background as a hockey player</li> <li>(06:25) - His VA and real estate business models</li> <li>(07:24) - Deeper into his real estate background and strategies</li> <li>(11:11) - How to start investing in real estate and buy the first property</li> <li>(12:38) - Deeper into his VA business model</li> <li>(14:05) - Understanding his team overseas</li> <li>(14:32) - Deeper into his VA business model and strategies</li> <li>(17:02) - How his virtual assistants' team training works</li> <li>(21:36) - The pros and cons of using the VA workforce</li> <li>(24:40) - How he scale his VA business</li> <li>(27:16) - Finding great talent around the globe</li> <li>(31:03) - What is the worst advice he ever received</li> <li>(31:37) - What is the best advice he ever received</li> <li>(32:50) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E40 - Bob Lachance - From Pro Hockey to Entrepreneur

My next guest was a software engineer that originally tried day trading, then moved on to value investing, and then eventually moved on to trend following by using TA (technical analysis). In this episode, we talk about his company, his strategy, and even dive into 3 stocks that have generated impressive returns over the last 5 years. Please welcome Zaheer Anwari.  Key Timecodes  (00:42) - Show intro and background history (01:37) - Deeper into his background history and business model (03:38) - His transition from day trading to value investing (07:32) - Deeper into his investing strategies (13:48) - Understanding his courses business model (17:56) - How he charge for that educational models (18:21) - A bit about his numbers (18:53) - Deeper into his business model and strategies (23:50) - How the company is structured (25:22) - In what companies are his investments focused (26:46) - What type of certifications does his company have (27:34) - Deeper into his returns and some stocks he holds (40:04) - What is the worst advice he ever received (41:26) - What is the best advice he ever received (43:33) - Guest contacts   Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was a software engineer that originally tried day trading, then moved on to value investing, and then eventually moved on to trend following by using TA (technical analysis). In this episode, we talk about his company, his strategy, and even dive into 3 stocks that have generated impressive returns over the last 5 years. Please welcome Zaheer Anwari. Key Timecodes <ul> <li>(00:42) - Show intro and background history</li> <li>(01:37) - Deeper into his background history and business model</li> <li>(03:38) - His transition from day trading to value investing</li> <li>(07:32) - Deeper into his investing strategies</li> <li>(13:48) - Understanding his courses business model</li> <li>(17:56) - How he charge for that educational models</li> <li>(18:21) - A bit about his numbers</li> <li>(18:53) - Deeper into his business model and strategies</li> <li>(23:50) - How the company is structured</li> <li>(25:22) - In what companies are his investments focused</li> <li>(26:46) - What type of certifications does his company have</li> <li>(27:34) - Deeper into his returns and some stocks he holds</li> <li>(40:04) - What is the worst advice he ever received</li> <li>(41:26) - What is the best advice he ever received</li> <li>(43:33) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E39 - Zaheer Anwari - Earning 30% per year with TA

Stephen Courson

My next guest has over 10 years of experience working in sales for large corporations including Gartner and Salesforce. In parallel to his corporate track, he invested in a service business and then sold his shares after 5 years. In this episode, we talk about the specific company he invested in, how much he invested, how much he sold his shares for, and what he works on today. Please welcome Stephen Courson.Key Timecodes  (00:42) - Show intro and background history (03:38) - Deeper into his background history and business model (06:03) - How much did he invest originally (07:51) - How about the revenues of this business model (10:28) - Who does his business serve (11:21) - How he structured his new business model (15:48) - Deeper into his B2B business strategies (18:14) - How does the company host the courses (21:34) - Deeper into his courses strategies as a business (26:15) - Deeper into his philosophy (29:59) - A new educational perspective (32:19) - How his philosophy aligns with the TYKR strategies (34:03) - A key takeaway from the guest (41:36) - What is the worst advice he ever received (42:32) - What is the best advice he ever received (44:18) - Guest contacts  Payback Time PodcastA Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest has over 10 years of experience working in sales for large corporations including Gartner and Salesforce. In parallel to his corporate track, he invested in a service business and then sold his shares after 5 years. In this episode, we talk about the specific company he invested in, how much he invested, how much he sold his shares for, and what he works on today. Please welcome Stephen Courson. Key Timecodes <ul> <li>(00:42) - Show intro and background history</li> <li>(03:38) - Deeper into his background history and business model</li> <li>(06:03) - How much did he invest originally</li> <li>(07:51) - How about the revenues of this business model</li> <li>(10:28) - Who does his business serve</li> <li>(11:21) - How he structured his new business model</li> <li>(15:48) - Deeper into his B2B business strategies</li> <li>(18:14) - How does the company host the courses</li> <li>(21:34) - Deeper into his courses strategies as a business</li> <li>(26:15) - Deeper into his philosophy</li> <li>(29:59) - A new educational perspective</li> <li>(32:19) - How his philosophy aligns with the TYKR strategies</li> <li>(34:03) - A key takeaway from the guest</li> <li>(41:36) - What is the worst advice he ever received</li> <li>(42:32) - What is the best advice he ever received</li> <li>(44:18) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E38 - Stephen Courson - Achieved FIRE at age 34 with a service business

Sam Ramadori

My next guest was an attorney who also worked in management consulting as well as private equity. He eventually stumbled upon a unique opportunity in the energy industry. He joined a startup that helps companies save as much as 25% per month on energy costs. In this episode, we talk about how energy is saved, how they sell B2B, and how he helped grow this company from 15 employees to over 150 employees in 4 years. Please welcome Sam Ramadori.  Key Timecodes  (00:46) - Show intro and background history (01:53) - Deeper into his background history and philosophy (05:03) - Understanding his business model and AI technology (10:05) - How his AI technology can help clients to save energy (14:34) - How his technology can integrate with other systems (16:50) - What kind of average energy savings his product can bring to clients (20:49) - Deeper into his business model (23:46) - How about his company size (25:18) - What are his sales process and strategies (27:58) - How the company raise capital (30:19) - May the company go public soon? (33:21) - What is the worst advice he ever received (33:55) - What is the best advice he ever received (36:10) - Guest contacts   Payback Time Podcast  A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was an attorney who also worked in management consulting as well as private equity. He eventually stumbled upon a unique opportunity in the energy industry. He joined a startup that helps companies save as much as 25% per month on energy costs. In this episode, we talk about how energy is saved, how they sell B2B, and how he helped grow this company from 15 employees to over 150 employees in 4 years. Please welcome Sam Ramadori. Key Timecodes <ul> <li>(00:46) - Show intro and background history</li> <li>(01:53) - Deeper into his background history and philosophy</li> <li>(05:03) - Understanding his business model and AI technology</li> <li>(10:05) - How his AI technology can help clients to save energy</li> <li>(14:34) - How his technology can integrate with other systems</li> <li>(16:50) - What kind of average energy savings his product can bring to clients</li> <li>(20:49) - Deeper into his business model</li> <li>(23:46) - How about his company size</li> <li>(25:18) - What are his sales process and strategies</li> <li>(27:58) - How the company raise capital</li> <li>(30:19) - May the company go public soon?</li> <li>(33:21) - What is the worst advice he ever received</li> <li>(33:55) - What is the best advice he ever received</li> <li>(36:10) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E37 - Sam Ramadori - Scaling a B2B SaaS (AI + Energy)

Kim Daly

My next guest was a 4.0 medical student who decided she truly wanted to enjoy more freedom in life which motivated her to get into entrepreneurship, specifically franchise opportunities. Today she’s a franchise coach who helps people escape the rat race and find opportunities that generate recurring revenue and at the same time build equity, so you can sell a business for a significant profit. In this episode, we talk about the types of franchise businesses she works with (hint, these are not food franchises), how big of an investment is required, how long of a timeline you can expect from approval to revenue, and the mindset you need to even get approved. Please welcome Kim Daly.  Key Timecodes  (01:00) - Show intro and background history (01:25) - Deeper into her background history (08:23) - Understanding her franchise consultancy business model (09:56) - What types of businesses does she focus in (18:54) - Another example of a franchise business to invest (23:06) - What kind of investment is needed to start a franchise business (26:57) - How the owner can operate that type of business (35:51) - What are the revenue expectations (35:55) - Is keeping the full-time job parallel when opening a franchise business possible? (39:55) - How about the sales, marketing, and advertising in her business model (49:23) - Deeper into her philosophy (54:46) - What is the worst advice he ever received (55:05) - What is the best advice he ever received (56:51) - Guest contacts  Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was a 4.0 medical student who decided she truly wanted to enjoy more freedom in life which motivated her to get into entrepreneurship, specifically franchise opportunities. Today she’s a franchise coach who helps people escape the rat race and find opportunities that generate recurring revenue and at the same time build equity, so you can sell a business for a significant profit. In this episode, we talk about the types of franchise businesses she works with (hint, these are not food franchises), how big of an investment is required, how long of a timeline you can expect from approval to revenue, and the mindset you need to even get approved. Please welcome Kim Daly. Key Timecodes <ul> <li>(01:00) - Show intro and background history</li> <li>(01:25) - Deeper into her background history</li> <li>(08:23) - Understanding her franchise consultancy business model</li> <li>(09:56) - What types of businesses does she focus in</li> <li>(18:54) - Another example of a franchise business to invest</li> <li>(23:06) - What kind of investment is needed to start a franchise business</li> <li>(26:57) - How the owner can operate that type of business</li> <li>(35:51) - What are the revenue expectations</li> <li>(35:55) - Is keeping the full-time job parallel when opening a franchise business possible?</li> <li>(39:55) - How about the sales, marketing, and advertising in her business model</li> <li>(49:23) - Deeper into her philosophy</li> <li>(54:46) - What is the worst advice he ever received</li> <li>(55:05) - What is the best advice he ever received</li> <li>(56:51) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E36 - Kim Daly - How to find financial freedom with franchises (non-food industry)

My next guest is an entrepreneur that has built several businesses and moved on to writing a book that helps structure the family like a business. Don’t worry, he doesn’t talk about corporate meetings, quarterly statements, and PowerPoints. What he does talk about is the importance of communication and helping the family become transparent with goal setting and how they can achieve those goals. Inspired by the book, Good to Great, written by Jim Collins, this book is titled The Family Flywheel. Please welcome Aaron Shelley.  Key Timecodes  (00:47) - Show intro and background history (02:35) - A bit about his book (04:56) - Understanding his philosophy (08:56) - Why money may not be a taboo subject in families (11:27) - How to educate kids about money and investments (14:52) - A little about Sean's family background (22:20) - The importance of networking as a social resource (29:02) - Building a healthy career is not just about having a degree (32:30) - Balance as a key between career and personal life (35:36) - The concept of emergency social resources (37:23) - The importance of the family and mental health (40:29) - Deeper into his philosophy (44:16) - A key takeaway from the guest (47:05) - What is the worst advice he ever received (47:27) - What is the best advice he ever receives (48:18) - Guest contacts  Payback Time PodcastA Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest is an entrepreneur that has built several businesses and moved on to writing a book that helps structure the family like a business. Don’t worry, he doesn’t talk about corporate meetings, quarterly statements, and PowerPoints. What he does talk about is the importance of communication and helping the family become transparent with goal setting and how they can achieve those goals. Inspired by the book, Good to Great, written by Jim Collins, this book is titled The Family Flywheel. Please welcome Aaron Shelley.  Key Timecodes <ul> <li>(00:47) - Show intro and background history</li> <li>(02:35) - A bit about his book</li> <li>(04:56) - Understanding his philosophy</li> <li>(08:56) - Why money may not be a taboo subject in families</li> <li>(11:27) - How to educate kids about money and investments</li> <li>(14:52) - A little about Sean's family background</li> <li>(22:20) - The importance of networking as a social resource</li> <li>(29:02) - Building a healthy career is not just about having a degree</li> <li>(32:30) - Balance as a key between career and personal life</li> <li>(35:36) - The concept of emergency social resources</li> <li>(37:23) - The importance of the family and mental health</li> <li>(40:29) - Deeper into his philosophy</li> <li>(44:16) - A key takeaway from the guest</li> <li>(47:05) - What is the worst advice he ever received</li> <li>(47:27) - What is the best advice he ever receives</li> <li>(48:18) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E35 - Aaron Shelley - How to create wealth and happiness with your family

My next guest was an actuary in the early part of his career until 2019 when he and his wife achieved FIRE (Financial Independence, Retire Early). At that point, he started a blog and wrote a book that helps children save and invest. In this episode, we break down some of the key takeaways such as rich vs wealthy, why an allowance can teach kids to save early, and why patience is the #1 strategy you need to become wealthy. Please welcome Will Rainey. Key Timecodes  (00:48) - Show intro and background history (03:14) - Deeper into his business model (05:51) - A bit about his book (07:15) - Understanding his corporate experience (08:08) - What are the key takeaways from his book (11:18) - The difference between being wealthy and rich (13:02) - What parents can do to help their children learn about money (18:21) - Stocks as businesses that we are investing in (19:51) - A bit about joint and custody accounts (22:16) - The foundations of teaching young people about money and investing (23:20) - Deeper into his book and philosophy (25:22) - Does he provide educational webinars or school seminars? (26:19) - A key takeaway from the guest (28:55) - What is the worst advice he ever received (29:20) - What is the best advice he ever receives (30:11) - Guest contacts   Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest was an actuary in the early part of his career until 2019 when he and his wife achieved FIRE (Financial Independence, Retire Early). At that point, he started a blog and wrote a book that helps children save and invest. In this episode, we break down some of the key takeaways such as rich vs wealthy, why an allowance can teach kids to save early, and why patience is the #1 strategy you need to become wealthy. Please welcome Will Rainey. Key Timecodes <ul> <li>(00:48) - Show intro and background history</li> <li>(03:14) - Deeper into his business model</li> <li>(05:51) - A bit about his book</li> <li>(07:15) - Understanding his corporate experience</li> <li>(08:08) - What are the key takeaways from his book</li> <li>(11:18) - The difference between being wealthy and rich</li> <li>(13:02) - What parents can do to help their children learn about money</li> <li>(18:21) - Stocks as businesses that we are investing in</li> <li>(19:51) - A bit about joint and custody accounts</li> <li>(22:16) - The foundations of teaching young people about money and investing</li> <li>(23:20) - Deeper into his book and philosophy</li> <li>(25:22) - Does he provide educational webinars or school seminars?</li> <li>(26:19) - A key takeaway from the guest</li> <li>(28:55) - What is the worst advice he ever received</li> <li>(29:20) - What is the best advice he ever receives</li> <li>(30:11) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E34 - Will Rainey - Unlock your child’s financial future

John Duffy

My next guest served in the US Navy then went on to work for IBM, and thereafter climbed the ranks in multiple large corporations until he retired as SVP at Cigna Insurance. He talks about the pain of going through the dotcom bubble between 2000 and 2002 as well as the housing crash in 2008 and that he didn’t fully recover until 2014. Overall, his portfolio was down for 14 years. The question is, how does an investor protect against this? The answer is a system he put together that allows investors to protect against downside risk. In this episode, he talks about how his system and strategy work and what stocks he invests in today. Please welcome John Duffy.  Key Timecode  (01:03) - Show intro and background history (03:11) - Deeper into his business today (04:54) - Understanding his philosophy (09:20) - Understanding his investing strategies (11:16) - What type of indicators does he look for regarding trends (15:16) - What are his average returns (17:29) - What are the shortest term durations he used to hold stocks (17:54) - Is he concerned about tax events? (19:04) - How much time does his strategy require per week? (20:41) - The differences between his platform and TYKR philosophy (25:56) - Some examples of stocks he invests in today (32:03) - Deeper into his platform, how it works, and if it has a trial period (38:18) - What is the worst advice he ever received (38:52) - What is the best advice he ever receives (42:15) - Guest contacts   Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.  

My next guest served in the US Navy then went on to work for IBM, and thereafter climbed the ranks in multiple large corporations until he retired as SVP at Cigna Insurance. He talks about the pain of going through the dotcom bubble between 2000 and 2002 as well as the housing crash in 2008 and that he didn’t fully recover until 2014. Overall, his portfolio was down for 14 years. The question is, how does an investor protect against this? The answer is a system he put together that allows investors to protect against downside risk. In this episode, he talks about how his system and strategy work and what stocks he invests in today. Please welcome John Duffy. Key Timecode <ul> <li>(01:03) - Show intro and background history</li> <li>(03:11) - Deeper into his business today</li> <li>(04:54) - Understanding his philosophy</li> <li>(09:20) - Understanding his investing strategies</li> <li>(11:16) - What type of indicators does he look for regarding trends</li> <li>(15:16) - What are his average returns</li> <li>(17:29) - What are the shortest term durations he used to hold stocks</li> <li>(17:54) - Is he concerned about tax events?</li> <li>(19:04) - How much time does his strategy require per week?</li> <li>(20:41) - The differences between his platform and TYKR philosophy</li> <li>(25:56) - Some examples of stocks he invests in today</li> <li>(32:03) - Deeper into his platform, how it works, and if it has a trial period</li> <li>(38:18) - What is the worst advice he ever received</li> <li>(38:52) - What is the best advice he ever receives</li> <li>(42:15) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E33 - John Duffy - Using technical analysis to earn 14% per year

Payback Time is an approachable and transparent podcast on financial independence. I like to bring on guests to hear authentic stories while giving actionable takeaways you can use today.

My next guest is a young entrepreneur who shares his journey of building a marketplace SaaS that allows users to rent sports surfaces and arenas such as hockey rinks and basketball courts. He breaks down his transition from school, how long it took to validate the idea, how he markets the business, and how he and his team have built an audience with over 150,000 monthly active users and over 3,000 sports surfaces in 11 major cities. Please welcome Jonathan Azouri.  Key Timecodes  (00:49) - Show intro and background history (03:12) - Deeper into his blog (04:00) - How the blog is monetized (05:31) - Understanding his business model (10:32) - How about the prices of the user journey (12:39) - How his platform helps venues to get more exposure and revenue (14:43) - Deeper into his business model (16:46) - In which cities does the platform operate? (17:24) - A bit about his charging fees for the venues (20:00) - Deeper into the consumer side of the app (22:10) - How about the company funding (23:59) - A bit about his strategic partners (29:43) - Some company numbers (30:54) - How big is his team (33:22) - How many years of research did he have before launching the app? (34:40) - Listening to the customers as a strategic philosophy (36:43) - What is the worst advice he ever received (37:04) - What is the best advice he ever receives (38:04) - Guest contacts  Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest is a young entrepreneur who shares his journey of building a marketplace SaaS that allows users to rent sports surfaces and arenas such as hockey rinks and basketball courts. He breaks down his transition from school, how long it took to validate the idea, how he markets the business, and how he and his team have built an audience with over 150,000 monthly active users and over 3,000 sports surfaces in 11 major cities. Please welcome Jonathan Azouri.  Key Timecodes <ul> <li>(00:49) - Show intro and background history</li> <li>(03:12) - Deeper into his blog</li> <li>(04:00) - How the blog is monetized</li> <li>(05:31) - Understanding his business model</li> <li>(10:32) - How about the prices of the user journey</li> <li>(12:39) - How his platform helps venues to get more exposure and revenue</li> <li>(14:43) - Deeper into his business model</li> <li>(16:46) - In which cities does the platform operate?</li> <li>(17:24) - A bit about his charging fees for the venues</li> <li>(20:00) - Deeper into the consumer side of the app</li> <li>(22:10) - How about the company funding</li> <li>(23:59) - A bit about his strategic partners</li> <li>(29:43) - Some company numbers</li> <li>(30:54) - How big is his team</li> <li>(33:22) - How many years of research did he have before launching the app?</li> <li>(34:40) - Listening to the customers as a strategic philosophy</li> <li>(36:43) - What is the worst advice he ever received</li> <li>(37:04) - What is the best advice he ever receives</li> <li>(38:04) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E32 - Jonathan Azouri - Sports SaaS with over 150,000 monthly active users

Justin Renfro

My next guest has worked in the startup funding industry for over 12 years. In this episode, we talk about the challenges of raising venture capital including the time and the unfortunate number of “no’s” you get before you maybe get one “yes”. If you can’t raise funds from a bank, venture capital, or private equity, then what options remain? We answer that question in this episode. Please welcome Justin Renfro.  Key Timecodes  (00:43) - Show intro and background history (02:45) - Deeper into his business model (08:12) - Understanding the Wefunder platform (11:50) - Few comments about startup funders' options (14:47) - How to facilitate access to funding and investing in potential business (16:19) - How does the platform make money? (18:36) - Deeper into the platform model (20:24) - How founders can raise capital from the investors in the platform (23:44) - Does the platform actively promote the businesses' campaign pages? (24:45) - What kind of risks do the investors face (25:58) - How the platform brings founders and investors together (29:03) - A key takeaway from the guest (34:07) - What is the worst advice he ever received (35:52) - What is the best advice he ever received (38:56) - Guest contacts   Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

My next guest has worked in the startup funding industry for over 12 years. In this episode, we talk about the challenges of raising venture capital including the time and the unfortunate number of “no’s” you get before you maybe get one “yes”. If you can’t raise funds from a bank, venture capital, or private equity, then what options remain? We answer that question in this episode. Please welcome Justin Renfro. Key Timecodes <ul> <li>(00:43) - Show intro and background history</li> <li>(02:45) - Deeper into his business model</li> <li>(08:12) - Understanding the Wefunder platform</li> <li>(11:50) - Few comments about startup funders' options</li> <li>(14:47) - How to facilitate access to funding and investing in potential business</li> <li>(16:19) - How does the platform make money?</li> <li>(18:36) - Deeper into the platform model</li> <li>(20:24) - How founders can raise capital from the investors in the platform</li> <li>(23:44) - Does the platform actively promote the businesses' campaign pages?</li> <li>(24:45) - What kind of risks do the investors face</li> <li>(25:58) - How the platform brings founders and investors together</li> <li>(29:03) - A key takeaway from the guest</li> <li>(34:07) - What is the worst advice he ever received</li> <li>(35:52) - What is the best advice he ever received</li> <li>(38:56) - Guest contacts</li> </ul> Payback Time Podcast A Podcast on Financial Independence. Hosted by Sean Tepper. If you want to learn how to escape the rat race, create passive income, or achieve financial freedom, you came to the right place.

S3E31 - Justin Renfro - A better option than Venture Capital

Jerry Fetta

My next guest is a financial advisor turned financial coach who helps people get on the fast track to financial freedom. In this episode, we talk about various strategies you may use to achieve financial freedom including starting a business and real estate. We specifically deep dive into a real estate strategy known as “seller financing” which can generate an estimated monthly income of $500 per property. Please welcome Jerry Fetta.  Key Timecodes  (00:44) - Show intro and background history (02:42) - Deeper into his business model (06:02) - His thoughts about education and business education (08:09) - Few comments about diversification (09:57) - Did he coach his customers about creating recurring revenue? (12:30) - What kind of real estate he recommends to his customers? (16:35) - Deeper into the seller financing real estate model (17:35) - Does she have any other hot sales she can tell us about? (18:56) - Deeper into this business model (21:24) - What are his strategies to leave the corporate job and have financial independence (24:37) - A bit about his book (30:15) - How to get the clients educated and working at a serious level (32:00) - What is the worst advice he ever received (32:23) - What is the best advice he ever received (33:42) - Guest contacts   Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.  

My next guest is a financial advisor turned financial coach who helps people get on the fast track to financial freedom. In this episode, we talk about various strategies you may use to achieve financial freedom including starting a business and real estate. We specifically deep dive into a real estate strategy known as “seller financing” which can generate an estimated monthly income of $500 per property. Please welcome Jerry Fetta. Key Timecodes <ul> <li>(00:44) - Show intro and background history</li> <li>(02:42) - Deeper into his business model</li> <li>(06:02) - His thoughts about education and business education</li> <li>(08:09) - Few comments about diversification</li> <li>(09:57) - Did he coach his customers about creating recurring revenue?</li> <li>(12:30) - What kind of real estate he recommends to his customers?</li> <li>(16:35) - Deeper into the seller financing real estate model</li> <li>(17:35) - Does she have any other hot sales she can tell us about?</li> <li>(18:56) - Deeper into this business model</li> <li>(21:24) - What are his strategies to leave the corporate job and have financial independence</li> <li>(24:37) - A bit about his book</li> <li>(30:15) - How to get the clients educated and working at a serious level</li> <li>(32:00) - What is the worst advice he ever received</li> <li>(32:23) - What is the best advice he ever received</li> <li>(33:42) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S3E30 - Jerry Fetta - Never work for the same dollar twice

Christine McDannell

Christine McDannell is back and this time we’re breaking down 3 case studies on selling businesses. One sold for $3.5M and the other two sold for multiple six futures. Let’s dive in! Key Timecodes  (00:30) - Show intro and background history (05:33) - Deeper into her business model (08:28) - How many employees does she have in that business (09:15) - A bit about the numbers (12:25) - Did this business have any recurring revenue? (14:19) - A key takeaway from the guest (17:35) - Does she have any other hot sales she can tell us about? (18:56) - Deeper into this business model (21:00) - How does she charge for her services? (23:30) - How many different deals can she manage at once? (26:44) - Why not skip college and start making money early? (29:10) - Another case study from her businesses (35:00) - Deeper into that business model (42:36) - Guest contacts

Christine McDannell is back and this time we’re breaking down 3 case studies on selling businesses. One sold for $3.5M and the other two sold for multiple six futures. Let’s dive in! Key Timecodes <ul> <li>(00:30) - Show intro and background history</li> <li>(05:33) - Deeper into her business model</li> <li>(08:28) - How many employees does she have in that business</li> <li>(09:15) - A bit about the numbers</li> <li>(12:25) - Did this business have any recurring revenue?</li> <li>(14:19) - A key takeaway from the guest</li> <li>(17:35) - Does she have any other hot sales she can tell us about?</li> <li>(18:56) - Deeper into this business model</li> <li>(21:00) - How does she charge for her services?</li> <li>(23:30) - How many different deals can she manage at once?</li> <li>(26:44) - Why not skip college and start making money early?</li> <li>(29:10) - Another case study from her businesses</li> <li>(35:00) - Deeper into that business model</li> <li>(42:36) - Guest contacts</li></ul>

S3E29 - Christine McDannell - 3 case studies on selling businesses

Joe Tolzmann

Joe Tolzmann - How to scale a B2B SaaS for Construction. My next guest originally worked in the property restoration industry and faced a lot of repeated steps and time-consuming activities. He decided to solve those problems by creating a SaaS platform that saves time and helps property restoration companies run more efficiently and now today that platform has cut admin labor down by 50%. In this episode, we talk about how he created the company, what he does for marketing and sales, what challenges he faces today, and his exit strategy. Please welcome Joe Tolzmann.  Key Timecodes  (00:49) - Show intro and background history (01:17) - Deeper into his history before creating the SaaS business (04:10) - When he started to develop the SaaS model (04:54) - Does he still run the property restoration management company? (05:41) - Deeper into his business model (06:11) - How about his pricing model (06:53) - Deeper into the human labor reduction strategies (07:45) - How big is his team (08:14) - How many engineers does he have on his team (10:13) - does he offer some trial period of the product? (12:51) - What are the marketing channels he uses to get exposure (13:32) - Is he doing some paid advertising? (14:26) - What is the biggest challenge he faces growing the business? (15:03) - Is his team remote or working at the same location? (15:34) - Deeper into the business funding (15:49) - How many customers does he have? (17:31) - A key takeaway from the guest (19:29) - What is the worst advice he ever received (19:58) - What is the best advice he ever received (21:05) - Guest contacts   Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

Joe Tolzmann - How to scale a B2B SaaS for Construction. My next guest originally worked in the property restoration industry and faced a lot of repeated steps and time-consuming activities. He decided to solve those problems by creating a SaaS platform that saves time and helps property restoration companies run more efficiently and now today that platform has cut admin labor down by 50%. In this episode, we talk about how he created the company, what he does for marketing and sales, what challenges he faces today, and his exit strategy. Please welcome Joe Tolzmann. Key Timecodes <ul> <li>(00:49) - Show intro and background history</li> <li>(01:17) - Deeper into his history before creating the SaaS business</li> <li>(04:10) - When he started to develop the SaaS model</li> <li>(04:54) - Does he still run the property restoration management company?</li> <li>(05:41) - Deeper into his business model</li> <li>(06:11) - How about his pricing model</li> <li>(06:53) - Deeper into the human labor reduction strategies</li> <li>(07:45) - How big is his team</li> <li>(08:14) - How many engineers does he have on his team</li> <li>(10:13) - does he offer some trial period of the product?</li> <li>(12:51) - What are the marketing channels he uses to get exposure</li> <li>(13:32) - Is he doing some paid advertising?</li> <li>(14:26) - What is the biggest challenge he faces growing the business?</li> <li>(15:03) - Is his team remote or working at the same location?</li> <li>(15:34) - Deeper into the business funding</li> <li>(15:49) - How many customers does he have?</li> <li>(17:31) - A key takeaway from the guest</li> <li>(19:29) - What is the worst advice he ever received</li> <li>(19:58) - What is the best advice he ever received</li> <li>(21:05) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S3E28 - Joe Tolzmann - How to scale a B2B SaaS for Construction

My next guest has over 15 years of marketing experience with an emphasis on building marketplace businesses. A marketplace is an application with two audiences on one platform. Some examples you may be familiar with include Zillow, Airbnb, Etsy, Groupon, and Ebay. This is not an easy business to start because you have to figure out what type of marketing and sales strategies attract each audience. In this episode, we talk about how to start a marketplace, how to bootstrap marketing, and how to balance growth between the two audiences. Please welcome Branden Cobb.  Key Timecodes  (00:53) - Show intro and background history (01:38) - His definition of marketplace (02:38) - Why he decided to focus on this business model (03:33) - How he started with this business model (06:13) - Deeper into his business model and lessons learned (13:32) - Is he running ads to monetize or focusing on consumers? (14:51) - Deeper into his takeaways and strategies (16:42) - What are his strategies to get a viral effect (21:02) - Is he working with venture capital or bootstrapped investors? (23:12) - A bit about the scalability of that model (24:47) - A key takeaway from the guest (27:37) - What is the worst advice he ever received (28:16) - What is the best advice he ever received (29:44) - Guest contacts   Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

My next guest has over 15 years of marketing experience with an emphasis on building marketplace businesses. A marketplace is an application with two audiences on one platform. Some examples you may be familiar with include Zillow, Airbnb, Etsy, Groupon, and Ebay. This is not an easy business to start because you have to figure out what type of marketing and sales strategies attract each audience. In this episode, we talk about how to start a marketplace, how to bootstrap marketing, and how to balance growth between the two audiences. Please welcome Branden Cobb. Key Timecodes <ul> <li>(00:53) - Show intro and background history</li> <li>(01:38) - His definition of marketplace</li> <li>(02:38) - Why he decided to focus on this business model</li> <li>(03:33) - How he started with this business model</li> <li>(06:13) - Deeper into his business model and lessons learned</li> <li>(13:32) - Is he running ads to monetize or focusing on consumers?</li> <li>(14:51) - Deeper into his takeaways and strategies</li> <li>(16:42) - What are his strategies to get a viral effect</li> <li>(21:02) - Is he working with venture capital or bootstrapped investors?</li> <li>(23:12) - A bit about the scalability of that model</li> <li>(24:47) - A key takeaway from the guest</li> <li>(27:37) - What is the worst advice he ever received</li> <li>(28:16) - What is the best advice he ever received</li> <li>(29:44) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S1E27 - Branden Cobb - How to build a marketplace 

My next guest is a mathematics and data specialist who has been working on a platform that helps large institutions save money and increase profits with commodities. In this episode, we talk about his company, some of the specific problems it solves, and a little bit about the commodities market. Please welcome Noah Healy. Key Timecodes  (00:37) - Show intro and background history (01:24) - Deeper into his background and career path (03:27) - How he monetized this business (05:36) - What is his SaaS core idea (06:24) - What are the benefits for the institutions using his services (09:58) - Is he collecting data with his platform? (11:51) - Deeper into his SaaS business model (12:58) - The importance of commodities business in the world economy (14:21) - What is the major milestone he is focused on (16:07) - A key takeaway about commodities for retail investors (20:50) - What amount of returns can be expected for retail investors investing in commodities (21:48) - A bit about the risks in the commodities market (23:42) - His recommended resources for those who want to know more about the commodities market (27:37) - What is the worst advice he ever received (28:04) - What is the best advice he ever received (36:40) - Guest contacts  Payback Time PodcastPayback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

My next guest is a mathematics and data specialist who has been working on a platform that helps large institutions save money and increase profits with commodities. In this episode, we talk about his company, some of the specific problems it solves, and a little bit about the commodities market. Please welcome Noah Healy. Key Timecodes <ul> <li>(00:37) - Show intro and background history</li> <li>(01:24) - Deeper into his background and career path</li> <li>(03:27) - How he monetized this business</li> <li>(05:36) - What is his SaaS core idea</li> <li>(06:24) - What are the benefits for the institutions using his services</li> <li>(09:58) - Is he collecting data with his platform?</li> <li>(11:51) - Deeper into his SaaS business model</li> <li>(12:58) - The importance of commodities business in the world economy</li> <li>(14:21) - What is the major milestone he is focused on</li> <li>(16:07) - A key takeaway about commodities for retail investors</li> <li>(20:50) - What amount of returns can be expected for retail investors investing in commodities</li> <li>(21:48) - A bit about the risks in the commodities market</li> <li>(23:42) - His recommended resources for those who want to know more about the commodities market</li> <li>(27:37) - What is the worst advice he ever received</li> <li>(28:04) - What is the best advice he ever received</li> <li>(36:40) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S3E26 - Noah Healy - Data Science Applied to Commodities

Russ Morgan

My next guest left his career as a financial planner and created a company that helps others achieve financial independence. In this episode we talk about the top ways to create passive income, why debt freedom does not equal financial freedom, why a 401K is holding you back, what infinite banking is, and the #1 biggest obstacle to achieving financial independence. Please welcome Russ Morgan. Key Timecodes  (00:44) - Show intro and background history (01:48) - Deeper into his background and career path (03:22) - What is the "investor DNA." (05:53) - What types of investments does he focus on (08:10) - How to achieve financial independence (09:58) - Understanding his business model in deep (11:15) - One of his home run investments over the last ten years (12:21) - Debt freedom is not financial freedom (15:16) - What is infinite banking (21:02) - Why 401k is the worst vehicle for financial freedom (26:03) - Why a 401k is a money jail (27:41) - Cash is king, but it needs a new throne (30:45) - Is it worth paying off your home or investing the money? (34:46) - What is the biggest obstacle to achieving financial freedom (36:59) - A key takeaway from the guest (38:52) - What is the worst advice he ever received (39:19) - What is the best advice he ever received (40:10) - Guest contacts  Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

My next guest left his career as a financial planner and created a company that helps others achieve financial independence. In this episode we talk about the top ways to create passive income, why debt freedom does not equal financial freedom, why a 401K is holding you back, what infinite banking is, and the #1 biggest obstacle to achieving financial independence. Please welcome Russ Morgan. Key Timecodes <ul> <li>(00:44) - Show intro and background history</li> <li>(01:48) - Deeper into his background and career path</li> <li>(03:22) - What is the "investor DNA."</li> <li>(05:53) - What types of investments does he focus on</li> <li>(08:10) - How to achieve financial independence</li> <li>(09:58) - Understanding his business model in deep</li> <li>(11:15) - One of his home run investments over the last ten years</li> <li>(12:21) - Debt freedom is not financial freedom</li> <li>(15:16) - What is infinite banking</li> <li>(21:02) - Why 401k is the worst vehicle for financial freedom</li> <li>(26:03) - Why a 401k is a money jail</li> <li>(27:41) - Cash is king, but it needs a new throne</li> <li>(30:45) - Is it worth paying off your home or investing the money?</li> <li>(34:46) - What is the biggest obstacle to achieving financial freedom</li> <li>(36:59) - A key takeaway from the guest</li> <li>(38:52) - What is the worst advice he ever received</li> <li>(39:19) - What is the best advice he ever received</li> <li>(40:10) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S3E25 - Russ Morgan - Top 3 Ways to Create Passive Income

Josh Dudick - How to consistently beat the market by over 6% per year. My next guest has over 15 years of experience as an investor and trader. We worked at companies including Citibank, Chicago Trading Company, and Flow Traders. He eventually went on to start his own investment fund that has outperformed the market by 6% since its inception in 2019. Today, while he continues to build his fund, he also started a money blog, topdollarinvestor.com, which helps beginner investors become more educated on money, investing, passive income, credit cards, real estate, and more. In this episode we talk about his journey, what he invests in, and what we can expect to happen in the stock market over the next 12 months. Please welcome Josh Dudick. Key Timecodes  (01:01) - Show intro and background history (01:49) - Deeper into his background and career path (02:25) - Understanding his investment strategy (04:23) - His trading strategies (07:23) - Understanding his personal investing strategy (10:54) - His real estate strategy (14:18) - Understanding his business model and the Top Dollar Company (19:29) - His thoughts and perspectives about the market (23:32) - One key takeaway from the guest (27:47) - What is the worst advice he ever received (28:02) - What is the best advice he ever received (30:22) - Guest contacts  Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

Josh Dudick - How to consistently beat the market by over 6% per year. My next guest has over 15 years of experience as an investor and trader. We worked at companies including Citibank, Chicago Trading Company, and Flow Traders. He eventually went on to start his own investment fund that has outperformed the market by 6% since its inception in 2019. Today, while he continues to build his fund, he also started a money blog, <a href="http://topdollarinvestor.com" rel="nofollow" target="_blank">topdollarinvestor.com</a>, which helps beginner investors become more educated on money, investing, passive income, credit cards, real estate, and more. In this episode we talk about his journey, what he invests in, and what we can expect to happen in the stock market over the next 12 months. Please welcome Josh Dudick. Key Timecodes <ul> <li>(01:01) - Show intro and background history</li> <li>(01:49) - Deeper into his background and career path</li> <li>(02:25) - Understanding his investment strategy</li> <li>(04:23) - His trading strategies</li> <li>(07:23) - Understanding his personal investing strategy</li> <li>(10:54) - His real estate strategy</li> <li>(14:18) - Understanding his business model and the Top Dollar Company</li> <li>(19:29) - His thoughts and perspectives about the market</li> <li>(23:32) - One key takeaway from the guest</li> <li>(27:47) - What is the worst advice he ever received</li> <li>(28:02) - What is the best advice he ever received</li> <li>(30:22) - Guest contacts</li> </ul> Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

S3E24 - Josh Dudick - How to consistently beat the market by over 6% per year

Bob Elliott

Bob Elliott - Earn the returns of a hedge fund without the red tape. My next guest comes from an unorthodox background with an interesting transition. He’s a botanist, which is an expert in plant science and biology but early on in his career, he got into finance. This emphasizes the fact that you most certainly don’t need a degree in finance to be good at investing. He has nearly 20 years of experience in finance including 13 years at Bridgewater, the largest hedge fund in the world where he served as Head of Ray Dalio’s Research Team. Thereafter he went into venture capital and then he started his own ETF which is designed to match the returns of hedge funds. In this episode, we talk about the pros and cons of hedge funds, what kind of assets are within the ETF, the returns an investor can expect, and how retail investors can buy this product. Please welcome Bob Elliott.  Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.  Key Timecodes  (01:08) - Show intro and background history (04:15) - Deeper into her background and career path (06:22) - You don't need a degree to be successful in a finance market (07:42) - His transition and philosophy as a VC investor (12:20) - Understanding his business model today (15:01) - Deeper into his business model and strategies (18:52) - Deeper into his ETF business strategy (18:32) - How many partners and employees did he have (24:33) - Who does he sell his products to? (28:57) - Deeper into his numbers and returns (30:06) - How his fund performed in 2021 (33:45) - His strategy to build bundles of ETFs (35:30) - One key takeaway from the guest (41:28) - What is the worst advice he ever received (42:43) - What is the best advice he ever received (45:09) - Guest contacts

Bob Elliott - Earn the returns of a hedge fund without the red tape. My next guest comes from an unorthodox background with an interesting transition. He’s a botanist, which is an expert in plant science and biology but early on in his career, he got into finance. This emphasizes the fact that you most certainly don’t need a degree in finance to be good at investing. He has nearly 20 years of experience in finance including 13 years at Bridgewater, the largest hedge fund in the world where he served as Head of Ray Dalio’s Research Team. Thereafter he went into venture capital and then he started his own ETF which is designed to match the returns of hedge funds. In this episode, we talk about the pros and cons of hedge funds, what kind of assets are within the ETF, the returns an investor can expect, and how retail investors can buy this product. Please welcome Bob Elliott. Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor. Key Timecodes <ul> <li>(01:08) - Show intro and background history</li> <li>(04:15) - Deeper into her background and career path</li> <li>(06:22) - You don't need a degree to be successful in a finance market</li> <li>(07:42) - His transition and philosophy as a VC investor</li> <li>(12:20) - Understanding his business model today</li> <li>(15:01) - Deeper into his business model and strategies</li> <li>(18:52) - Deeper into his ETF business strategy</li> <li>(18:32) - How many partners and employees did he have</li> <li>(24:33) - Who does he sell his products to?</li> <li>(28:57) - Deeper into his numbers and returns</li> <li>(30:06) - How his fund performed in 2021</li> <li>(33:45) - His strategy to build bundles of ETFs</li> <li>(35:30) - One key takeaway from the guest</li> <li>(41:28) - What is the worst advice he ever received</li> <li>(42:43) - What is the best advice he ever received</li> <li>(45:09) - Guest contacts</li></ul>

S3E23 - Bob Elliott - Earn the returns of a hedge fund without the red tape

Payback Time

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