Episódios
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After another 80-hour workweek and realizing his kids’ lives were passing him by, Spencer Hilligoss knew he needed to start making passive income. The problem? His time was chained to his tech job’s high pay and long hours. Spencer loved what he did, but the job took away more than he was comfortable with. He hadn’t seen his young son in weeks, and it was eating away at him. He made a plan that wouldn’t be easy to accomplish: build an $8,000/month passive income stream. He gave himself over a decade to achieve it. Thankfully, it took less than half the time.
Now, Spencer is a full-time passive investor and real estate syndicator, helping others who want to regain their time freedom invest so their money can go further. In today’s episode, Spencer shares his story of leaving a thirteen-year career to venture out into the unknown, regaining his time and investing in truly passive income, and why you DON’T actually want to retire (you really want something else).
And if you’re interested in passive investing, stick around. Spencer and AJ talk through the CRUCIAL questions you MUST ask before investing in a real estate syndication and how to tell who you’re investing with will pull through on the returns they’re promising you.
Insights from today’s episode:
How to make enough passive income that you can replace your salary and live the way you wantCrucial questions to ask any syndicator BEFORE you invest a cent into their dealsWhy financial literacy is essential to building wealth, and why even most adults don’t have thisThe retirement lie you’re telling yourself and why you don’t really want to vacation foreverHow to start building your financial moat even if you’re a busy professionalDefining your why and how to know whether greed or purpose is driving you—
Invest with Spencer
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Will the US dollar be replaced? Could we be on the cusp of de-dollarization as more and more countries search for reserve currency alternatives? Is America’s spot as the number one economy in the world up for grabs? Emmanuel Daniel, entrepreneur, advisor, founder of The Asian Banker, and author of The Great Transition, is on the show to discuss the future of the US economy and the global currency battle.
The US has been the reigning economic world superpower for much of our lives. But slowly, other countries have begun to realize that reliance on the US dollar isn’t always a good thing. The question is: Can they find a viable replacement? Many look to China’s (mostly) strong economy as the answer, but will their pro-manufacturing stance put them in an economic trap? And with the US struggling with homelessness, political unrest, and more, what happens next?
We’ll get into it all in this episode, plus touch on an actual alternative to the US dollar, why the US’s current turmoil DOESN’T guarantee a decline, and why bringing manufacturing back to the States could create problems most Americans haven’t considered.
What you’ll learn in today’s show:
De-dollarization and whether or not the US dollar can be replaced as the world’s reserve currency China’s colossal manufacturing mistake that has trapped its economy The true value of digital currencies and whether the digital dollar will become the normOne often overlooked issue with bringing manufacturing back to the US The crisis of leadership in the US and what MUST change for our country to succeed—
The Great Transition
Emmanuel’s Website
Emmanuel’s YouTube
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Nick Lavery, Green Beret and Army Special Forces member, has been shot, blown up, and beaten down. After an insider attack in Afghanistan left him without a leg, Nick wasn’t supposed to return to the Army. He’s had over thirty surgeries, lived with excruciating pain, and had his physical power taken from him. But now, he’s back, and he’s had to adapt, swearing to make those who took from him “regret not killing me.”
You’re going through a challenge in your life, too, just like Nick. Business problems, personal problems, physical problems—no matter what you’re dealing with, Nick has advice to share. After pushing through pain that would kill most people and coming back stronger, Nick is now an expert in growing during the most demanding times. Whatever happens in your life, the skills and mindset Nick shares in today’s episode will prove priceless to you in the future.
Nick dives into how he motivates himself to accomplish the impossible, why choosing your “hard” will help you push through even the toughest walls, the “catalyst” that changed his entire mindset during recovery, and the moves every parent can make to develop a mentally tough, successful child.
Insights from today’s episode:
Nick’s unbelievable journey from bullied kid to a US Army Green Beret Turning your anger into motivation to accomplish what most think is impossibleKnowing your “why” and why not having one causes so many people to failChoosing the “hard” in your life and why you CANNOT escape pain, but you can become stronger The power of humility and why putting others before yourself leads to greatness Running towards failure, and why those too scared to try will always failWork with Nick
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We’re on the cusp of the biggest investment opportunity since the 2008 crash. Investors are fleeing from real estate, scared of its apparent risk, but in a couple of years, they’ll be the same investors wishing they had bought NOW. And this isn’t just theory. We’ve been buying deals at MASSIVE discounts that could make us unprecedented returns over the next few years. The question is, will you take advantage of this opportunity, or will you stay on the sidelines and wish you had made moves?
Welcome to the AJ Osborne Podcast. Twice a month, I’ll sit down with guests or fly solo to share incredible stories, give my take on today’s economy, and show you how to build wealth the right way. Today, I’m uncovering my real estate portfolio, walking through each investment, and sharing how it’s doing and what has the most opportunity.
I’ll also give you my exact 2024 plan that I’m using to make SERIOUS wealth-building moves while most investors are stuck in analysis paralysis. Whether you’re a self storage investor, a business owner, or starting from ZERO, today’s episode could help slingshot your wealth to levels you’ve never even imagined. But you need to act fast; we only have a limited window of opportunity before the masses realize what’s happening.
What you’ll learn in today’s show:
The 2008-level investment opportunity that I’m taking FULL advantage of this yearMy 2024 investment plan and everything I’m doing in my business to catapult my wealth Why so many real estate investors are too scared to invest and why this is a huge mistakeWalking through my entire investment portfolio, from self storage to businesses and moreWhy you should NOT wait until interest rates fall to invest (it will cost you)When is the time to save and when is the time to spend (and which cycle we’re in now)—
Growing Wealth in Self-Storage 2.0
Hear Our Interview with Tenant Inc. CEO, Lance Watkins
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Real estate is a touchy subject: tenants and landlords don't like each other. Tenants believe they are subservient to them, and landlords believe they SHOULD be. Or are the perceptions of each side drastically different than the reality?
In addition, why is our school system so flawed, that most people aren't taught about the best way to make a living? Not everyone is made for the 9-5 lifestyle. And this is a narrative Steve Trang is passionate about changing it.
What if you don't want to be a landlord, and still want financial freedom?
Check out Steve's podcast: https://realestatedisruptors.com/
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Cybersecurity is highly technical. You and I probably would not be able to understand a lot of the terms or systems or coding behind it. But revolutionary improvements come from the practical application of technology. So, how do we leverage the tech available to us in our own personal and professional lives? Is it truly the next step for modern businesses?
In this episode, we bring on Darren Gallop, CEO & co-founder of Carbide, a company specializing in Information Security. His insight into the new communication age - particularly with the advent of AI - addresses how everyday security and privacy best practices are often difficult for the average human to make sense of.
Security & privacy are simple ideas, but in practice, they are intensely complex. And businesses today can have very stubborn or "set in their ways" type of leadership. "No, it's my way, or the highway." But that often alienates the employees involved.
0:00 The Cybersecurity Business
26:34 AI & Cybersecurity
Check out Dareen & his company Carbide: https://carbidesecure.com/
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Avery and her husband had a great idea one day to purchase a home and to rent it out, in hopes that one day, they will be able to help fund their kids' education with the income. They didn't even know this was known as "Real Estate Investing." At the time, there was no such thing as podcasts or courses to talk about this.
This idea then morphed into AirBNBs and short-term rentals, and she has been doing it for over a decade. But this asset class has changed dramatically over that time. States are changing laws and imposing regulations, all while the competition is increasing. With all the noise about short-term rentals lately, is it still worth investing in?
Stay tuned!
Follow Avery on Instagram: https://www.instagram.com/theshorttermshop/?hl=en
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Real estate investing has two forms: active and passive. Passive is what most people think of when you say real estate investing, where you buy an asset, and it generates some sort of cashflow for you. Active investing takes this and applies the principles of business, including scale, value-add, management, and more.
Today's guest, John Klingelhoets, began investing in real estate a decade ago. But during this process, he found it very beneficial to send letters - direct mail - to help him find more deals. Eventually, the deals started coming in, his friends wanted letters just like his, and it became a direct mail business.
If you think of real estate as not just an asset, but also a business, you can take advantage of a powerful aspect of capitalism: Business-to-Business sales, or known as B2B. But of course, if the businesses provided services to each other are YOUR businesses, there's much more opportunity to expand into multiple niches at once.
So, how can you leverage the power of B2B to grow your real estate portfolio? And can direct mail play a role into it? Find out in this week's episode!
Learn more about John and Robot Ink here: https://www.robotinkmarketing.com/Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Can luck dictate one's success in business? Absolutely. But looking at another's success or luck does not mean that you lose something in exchange. Luck is something I fully believe can be CREATED.
For example, when I was paralyzed and stuck in a hospital bed, many may say - how is that lucky? That seems like terrible luck. But looking back today, I feel grateful for this experience. It's shaped my new life, my mission, and my day to day. I was stripped away of any self-pride or self-consciousness. This enabled me to take to new heights in my life and business. This podcast is just one of the new beginnings.
I would never trade this experience. It was SO valuable...in hindsight. Looking back, I had a choice: I could give up, or I could use it to my advantage.
When you are faced with overwhelming odds or extremely bad luck, what choice will YOU make?
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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2024 is yet another pivotal election year for the United States. But if we've learned anything from the last few elections, there is a tremendous amount of fearmongering, noise, and propaganda that can result from a journalistic system incentivized by money and clicks.
This is why I'm HYPER-aware of anything that intends to change or influence my perceived reality. We all perceive the world differently, right? Is there a right or wrong way to perceive it?
When I experienced ICU Delirium, it changed how I looked at the world. Literally. My nerves told me I was standing up, while I was laying down. But my mind created a reality where I was. Ever since, I've been very wary of what the "news" tells me.
Are you?
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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My dad, Ron, lived in a time where mortgage interest rates were 18% - the highest in US history. He assumed he would never be able to own a home, and he would be renting forever. He had friends going down to the bank to get 12% interest on a Certificate of Deposit (CD). It was absolutely bonkers.
He was just trying to get started, as a young man. The policies enacted to get things under control was so aggressive that it had lasting consequences for the American economy.
But somehow, he survived, and came out on top. And he has seen the lingering effects of various monetary policies: it's not just that one quarter or one year that's affected. Why did this happen, and what did it mean for housing, cost of living, and consumer sentiment?
Do we REALLY have to choose between high interest rates and high home prices?
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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The US had a huge role in shaping the world the way we know it today. It's role in international wars, politics, and economics has been astounding, particularly for a country so young. It's done a lot of bad, it's done a lot of good. But with the way the world is today...is the era of "good" over?
Let's talk about the assumption that the way we perceive the world today is how it always was. Generations today don't share the same experiences as the ones prior - this is known throughout all of human history.
What are these trends that are going on today? This is especially important to me because I have kids. This is their future. How can we best understand this tremendous cycle of change that's occurred in the past few decades, what did it produce, and why it's changed.
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Capitalism is a function of money - the economy. It’s all about serving other people. What you can trade, what you can offer or sell, what problem you can solve for a certain price.
As a society, we put a lot of focus on the consumer side - or “consumerism” - of capitalism. The never ending cycle of making money and spending money. And it impacts us direct in one way or another, whether you are buying goods with your paycheck, or trying to start your own business selling/offering something on the market.
But you can’t just sell 1 pen and make a ton of money. Certain business are structured in certain ways because they have to in order to scale and make any money.
So what do we need to understand to actually be benefited by capitalism and not be crushed by it? In this episode, we talk about the dichotomy of capitalism and consumerism, as well as how capitalism enables different levels of businesses.
Take advantage of today's market conditions with our investing firm: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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After multiple, back-to-back surgeries, Mauricio was in the hospital for 5 weeks. But he had a law firm to run, and was working out of his laptop in his hospital bed. This proved to be unsustainable and unhealthy.
But far too often, entrepreneurs think of their own abilities as the only way to get something done. When it comes to business, that's a fast-track to burnout and declining mental (and physical) health. There's too much to do.
My story is similar, with being paralyzed over night and losing my job in the hospital. Both Mauricio and I had to get humble - we had no choice. We needed help. And we learned from that and apply it to our businesses every day.
We're sharing the lessons we learned in this episode of Saving Capitalism.
Mauricio's legal practice: https://www.premierlawgroup.net/
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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The Fed announced several rate drops that could possibly happen in 2024, quite the surprise since they hiked rates dramatically to fight inflation not so long ago. What does this mean for the American Economy?
In this episode, we will discuss the ramifications of these interest rate changes, updates to the monetary policy, the aftermath of the years of high inflation (things aren't getting cheaper!), and the effect of debt as the market changes.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Selling health insurance is not glamourous by any means. But that' what my dad and I did for years and years. It felt great for a while. My success and income was based on how much I sold. It felt like I was my own boss.
But I got stuck on this treadmill. Eventually, I wanted to grow faster, and faster. I got greedy and prideful. Wanting more isn't inherently bad, but when it surpasses logic and sound decisions, that's when it gets dangerous.
And so I bought a business in an attempt to rapidly grow for millions of dollars, and it turned out to be one of the biggest mistakes I've ever made. I almost lost everything I built - everything my dad built too - in one fell swoop.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Housing prices are up. Food prices are up. Everything is up, and life can seem bleak. But just how bad is the American economy doing, really?
As we know, news headlines about recessions and high interest rates can cause a lot of stress and worry. But the mainstream news reports don't always reflect reality. In today's episode, we cover the hard truth about the housing market, the economy as a whole, and why sometimes, the bad is actually good.
It's all about mindset, in business AND in life. When we can shift our narrative, many more possibilities are opened to us.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Companies are hurting right now. The market is TERRIBLE for investors and business sharks alike. But the truth is, "you don't know who's swimming naked until the tide goes out" - Warren Buffett.
But the United States remains a top choice for investors even during tumultuous times. It's legal structures and consumer laws still are lucrative for many.
Let's talk about why bad markets are actually the BEST to invest in. We talk about deal structure, technology's role in wealth creation, and how this can affect your business/lifestyle just as it has affected mine.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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Financial freedom is a matter of creating an income that can support your lifestyle without consuming all of your time. For most people, financial freedom seems unattainable because of how jobs are set up. The 9 to 5.
Research suggests that over 85% of all entrepreneurs (the successful ones) would be paid MORE if they took a 9 to 5 job versus doing it on their own. This is why jobs still exist despite the trend of being an entrepreneur.
This is where the line gets fuzzy. Financial freedom is a necessity. At a certain point, you won't be able to keep working a 9 to 5 job. What if you want to switch careers? That takes years of study and commitment. It'd be a lot easier if you already had the cashflow to support your dreams.
Does entrepreneurship truly equal financial freedom? Or is it just a myth? Let's talk about it.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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News flash: you won't get financial freedom by buying a house. There, I said it. It's the harsh truth.
You might be able to with 20 or 30 properties, but then who's going to manage it for you? Are you making enough to hire a property manager? Can you keep up if you don't?
I learned this truth the hard way. The job I wanted to quit, the business I wanted to start, the real estate I wanted to buy - doing any of these things were not going to create the future I wanted.
So what will? Let's break it down in this episode of Saving Capitalism.
Want to take advantage of todays market conditions with us? Invest in our opportunistic Fund 2 Here: https://cedar.cc/invest
Find this podcast on YouTube: https://www.youtube.com/@SavingCapitalism
Get more free resources here: https://ajosborne.com/
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