Rich Habits Podcast

They list three green flags to adopt and three red flags to drop for long-term wealth. They push monthly net worth tracking and explain what to include. They argue for automating investments before paying bills and starting now, even with small amounts. They warn against buying discounts instead of value and highlight recurring “emergencies” as planning failures.

David Dziekanski, CEO and CIO of Quantify Funds, builds institutional hedge-fund-like strategies for retail investors. He contrasts advisor-focused products with flashy retail offerings. The conversation covers leveraged ETFs, return stacking and embedded rebalancing. They also talk about retail investors getting savvier and potential impacts of a SpaceX IPO and small-cap performance.

This discussion dives into navigating unemployment by prioritizing short-term gigs to maintain cash flow. It highlights using AI tools to enhance job searches and craft standout applications. The hosts evaluate a robust ETF portfolio while emphasizing correct fund weightings. They also tackle the question of whether college is worthwhile in today's AI-driven landscape, suggesting alternative paths like trades or entrepreneurship. Lastly, tax-saving strategies through LLCs and expense tracking are explored for aspiring entrepreneurs.

Max Levchin, the Co-founder and CEO of Affirm and a former PayPal CTO, shares insights on the transformative power of credit in modern finance. He contrasts traditional revolving credit with Affirm's fixed-term installment loans, emphasizing transparency and their role in financial responsibility. Levchin also highlights how data-driven underwriting enhances fairness and reduces defaults. Personal stories fuel his motivation to fight credit inequity, and he discusses the potential of AI in revolutionizing financial products.

Experts delve into 2026 market predictions, highlighting how AI will distinguish successful firms from those making empty claims. They discuss political influences on the economy, projecting policies aimed at keeping markets vibrant. Commodities like copper and potash are spotlighted for their growth potential, alongside an intriguing look at AI chip demand and its impact. The hosts also touch on the regulatory landscape around crypto and how it affects investment strategies. Tune in for insights that could shape your financial future.

In this engaging discussion, the hosts tackle the nuances of managing multifamily properties, recommending essential tools like Buildium and Google Drive. They debate the merits of Series LLCs versus separate LLCs for legal protection. The conversation shifts to retirement strategies, emphasizing the importance of emergency funds and the benefits of bridge accounts. They also share insights on international ETFs, with a caution on their potential underperformance compared to U.S. indices. Finally, they provide strategies for reinvesting gains from stocks like Broadcom.

Dive into the exploration of three mindset traps that keep many people financially stuck. Learn how to shift from thinking 'I'm just bad with money' to embracing the concept of learning. Discover why a high salary doesn’t automatically lead to wealth and how to use it as seed money for investments. Uncover the difference between looking successful and actually being successful, and grasp the importance of frugality and long-term strategies. Plus, try out a transformative 30-day mindset exercise to break old patterns!

Trump's plan to ban institutional purchases of single-family homes sparks a debate on affordability and investor sentiment. NVIDIA's exciting announcements at CES, including innovations in AI and robotics, could reshape the investment landscape. The transition of the Apple Card from Goldman to JPMorgan raises questions about credit risk and customer relations. The hosts also highlight top-performing ETF sectors and optimistic projections for real estate, while reflecting on the implications of Alphabet's rise in value.

In this engaging discussion, the hosts tackle the complexities of buying homes in disaster-prone areas, weighing insurance and lifestyle impacts. They reveal overlaps in ETFs and recommend consolidating for better diversification. Concerns about passive investing creating a bubble are addressed, with insights on personal investment strategies. Tips for flipping small homes and house hacking encourage practical financial moves. Finally, they suggest alternative investments outside stocks like real estate and commodities to diversify a $200K portfolio.

Explore the financial roadmap for 2026, focusing on monthly tasks to enhance your money management. Learn how to calculate your net worth in January and tackle credit and debt in February. March encourages insurance audits, while April focuses on tax strategies and retirement boosting. As the year progresses, optimize income and explore side hustles in August. Finalize the year by assessing your financial growth and prioritizing your goals for 2027. The hosts also dive into investment strategies and student loan management tips.