Shows
Growing the Money with Rich LennonEpisode 111: One Florida Investor Just Lost 30 Deals (And Every Private Lender With Him)What happens when 30 real estate deals fall apart at the same time, and the private lenders lose everything? It’s happening right now. Rich actually likes subject-to deals. They can be powerful tools when used correctly. But when you ignore basic rules, equity, underwriting, legal structure, and skin in the game, things can go bad fast. And when they do, the private lender is usually the one left holding the bag.In this episode, Rich breaks down what went wrong in a major Florida subject matter situation and why so many private money lenders are suddenly stuck wi...
2026-03-0214 minGrowing the Money with Rich LennonEpisode 107: The $75K Credit Card Loan That Vanished - 3 Mistakes That Destroyed a Private Lender.What if trying to make a safe 12% return ended up costing you $75,000, plus 25% interest? This episode is different. Rich shares a real call he received from a private lender who wired $75,000 to a local flipper, using a 0% credit card. No mortgage. No deed of trust. No security. And now the borrower has disappeared, while the credit card company wants its money back.It’s a tough story. But it’s also a powerful lesson. In this short but important episode, Rich breaks down the three critical mistakes that destroyed this deal and how you can make sure you...
2026-02-1609 minGrowing the Money with Rich LennonEpisode 106: Why I Changed My Mind on Debt Three Times (The Wealth Curve That Explains Everything)Is debt the key to building wealth, or the thing that quietly puts you at risk? The honest answer? It depends on where you are in your journey.In this short yet powerful episode, Rich Lennon breaks down how his opinion on debt has changed three times as his net worth, confidence, and priorities have evolved. From wanting everything paid off, to leveraging hard to grow, to shifting back toward security, this episode walks through the real-life thought process behind each move.You’ll Learn How To:Know when debt helps you gr...
2026-02-1210 minGrowing the Money with Rich LennonEpisode 105: 140+ Loans, Zero Losses -The Private Money Lending System Every Investor Needs - Part 2What if the real secret to safe, consistent lending isn’t finding better borrowers, but writing better loans?In Part 2 of this series, Rich Lennon goes deep into the actual mechanics that protect private lenders when things go wrong. This isn’t theory or hype. It’s the real-world structure Rich has used across 140+ loans without a single loss.He breaks down exactly how notes, deeds of trust, defaults, penalties, insurance, and personal guarantees work together to give lenders control, not hope. If you’ve ever wondered how experienced lenders protect themselves before money goes out the...
2026-02-0934 minGrowing the Money with Rich LennonEpisode 104: 140+ Loans, Zero Losses - The Private Money Lending System Every Investor Needs -Part 1What if lending money felt safer than flipping houses? No rehabs. No tenants. No late-night phone calls. Just steady returns and real control. This isn’t theory or hype. It’s a practical, asset-based approach built from years of experience, including what to do when deals go sideways and how to protect yourself before they ever doIn this episode, Rich Lennon breaks down the private money lending system he’s used to fund over 140 loans without a single loss. He shares the real rules he follows, the mistakes he sees new lenders make, and why lending became...
2026-02-0535 minGrowing the Money with Rich LennonEpisode 103: Why I Pay My Taxes With Credit Cards (The Unpopular Airline Miles Strategy)What if paying taxes didn’t have to feel like pure pain? What if it could actually work in your favor? Most people dread tax day. Some would literally rather swim with sharks than deal with it. But in this episode, Rich Lennon shares an unconventional strategy he personally uses to turn one of life’s biggest expenses into something useful: airline miles.Rich walks through why paying taxes with credit cards can make sense if you do it the right way, how extensions really work and where people mess this up, and why overpaying slightly can be s...
2026-02-0209 minGrowing the Money with Rich LennonEpisode 102: How Fractional Lending Works - The $100K Loan That Returns 30% (Explained)Most real estate investors obsess over acquiring more deals, more units, and more flips. But very few ever question what happens after they’ve already built wealth. What do you actually do with the money you make? How do you grow it without adding more employees, stress, or operational complexity?In this episode, Rich Lennon breaks down a strategy most operators never consider until they hit the ceiling on flipping and rentals: fractional lending. Rich explains how he pivoted from a 14-employee operation doing 4–5 flips a month to lending out millions of dollars at 30–50% returns while working less t...
2026-01-2944 minGrowing the Money with Rich LennonEpisode 101: The BRRRR Method Is Dying - Here’s What Smart Investors Are Doing Instead -Part 2What if the strategy that helped you build your portfolio is now quietly working against you?BRRRR used to be the go-to play. But in today’s market, higher prices and interest rates have changed the math, and many investors are feeling it.In this episode, Rich Lennon breaks down why BRRRR doesn’t work the way it used to and why the refinance step has become the biggest problem. Using real numbers from his own portfolio, Rich walks through how deals that once cash flowed now lose money, and how assuming low-interest loans and shifting towa...
2026-01-2629 minGrowing the Money with Rich LennonEpisode 100: The BRRRR Method Died – Here’s What Smart Private Lenders Are Doing Instead -Part 1What if the strategy that helped you build wealth is now the thing quietly holding you back? For years, the BRRRR method was the go-to playbook. Buy, rehab, rent, refinance, repeat. It worked. However, today’s market appears quite different. Higher rates, tighter deals, and thinner margins have changed the math, even for experienced investors.In this episode, Rich Lennon joins the show to talk honestly about why BRRRR doesn’t work the way it used to, and what smart investors are doing instead. Rich shares his personal shift away from owning and managing rentals and into priv...
2026-01-2228 minGrowing the Money with Rich LennonEpisode 99: How to Write Checks From Your IRA Without Waiting on Your CustodianWhat if your retirement money could move as fast as you do? No waiting. No paperwork bottlenecks. No missed deals because a custodian took days to respond.In this episode of Growing the Money, Rich Lennon breaks down one of the most misunderstood and powerful tools in self-directed investing: checkbook control. Rich explains how investors use trusts or LLCs to gain direct access to their IRA funds, why speed matters in real estate, and the exact process to do it the right way, without triggering penalties or breaking the rules.You’ll Learn How To...
2026-01-1913 minGrowing the Money with Rich LennonEpisode 98: The Fractionalized Note Strategy That Turns 20% Loans Into 50%+ Returns – Part 2What if the real secret to higher returns isn’t chasing riskier deals, but structuring smarter loans? Most investors think 20% is the ceiling in private lending, until they learn how to fractionalize notes the right way.In this episode, Rich Lennon continues the deep dive into his fractionalized note strategy and shows how breaking a single loan into multiple pieces can dramatically increase your yield, without swinging for the fences. Rich explains how he underwrites deals, protects downside risk, and structures notes so that the lender gets paid first, even when things don’t go as planned.
2026-01-1524 minGrowing the Money with Rich LennonEpisode 97: The Fractionalized Note Strategy That Turns 20% Loans Into 50% Returns -Part 1What if a 20% loan could quietly turn into a 40–50% return, without incurring more risk and without requiring additional hours? Most people think you need bigger deals, more properties, or complicated funds to boost returns, but that’s not actually where the leverage is.In this episode, Rich Lennon breaks down the fractionalized note strategy he uses to turn simple private loans into outsized returns. He explains how he structures deals, why lazy money is the key ingredient, and how he protects downside while still earning lender-level profits. No hedge fund tricks. No Wall Street games. Just smart math...
2026-01-1224 minGrowing the Money with Rich LennonEpisode 96: From 60-Hour Weeks Flipping Houses to 5 Hours a Week Lending -Part 2What if the real goal wasn’t owning more properties, but getting your time back? In part two of this conversation, Rich Lennon gets real about what happens after you build a big rental and flipping business. The long hours. The stress. The moment you realize you’re asset-rich… but tired. Rich walks through how he went from grinding 60-hour workweeks flipping and managing rentals to spending just a few hours a week as a lender, and why that shift completely changed his life.This isn’t a hype-filled quick rental tomorrow episode. It’s an honest look at th...
2026-01-0830 minGrowing the Money with Rich LennonEpisode 95: From 60-Hour Weeks Flipping Houses to 5 Hours a Week Lending - Part 1What if working harder isn’t the answer, and the real win is working less while your money does the heavy lifting? In this episode of the Proximity Podcast, Clayton and Stephanie sit down with real estate veteran Rich Lennon to unpack how he went from grinding through 60-hour weeks flipping houses to spending just a few hours a week as a private lender. No hype. No shortcuts. Just real experience, real lessons, and honest talk about what actually works over the long run.Rich shares his journey from engineer to investor, the mistakes he made early on...
2026-01-0532 minGrowing the Money with Rich LennonEpisode 94: Why BRRRRs Create Wealth But Don't Grow It (The ROE Problem)What if the strategy everyone praises for building wealth is quietly slowing you down once you already have it? BRRRRs are powerful. They help you buy properties, recycle capital, and build serious equity. But here’s the uncomfortable truth most investors don’t talk about: once that equity stacks up, your money can actually start working against you.In this episode, Rich Lennon joins the show to break down why BRRRRs are great at creating wealth, but terrible at growing it long term. Rich shares his personal journey from owning a large rental portfolio to stepping away from...
2026-01-0132 minGrowing the Money with Rich LennonEpisode 93: I Don't Flip Houses - I Move Other People's Money (Here's How I Do It) - Andrew Lucas.Most investors approach private capital from a position of need, believing money holds the power. In reality, the investor who can responsibly deploy capital is the most valuable person in the equation.In this episode, Andrew sits down with seasoned real estate investor and private money lender Rich Lennon to break down the mindset, mechanics, and real-world strategies behind raising and using private capital. From finding your first lender to structuring terms responsibly, Rich shares over a decade of experience on both sides of the table, borrower and lender, and explains why the operator, not the money...
2025-12-2930 minGrowing the Money with Rich LennonEpisode 92: How I Quit Flipping Houses in 2020 and Now Travel While My Money Works For Me.What if working harder isn’t the answer anymore? In 2020, Rich Lennon walked away from flipping houses, managing teams, and grinding every day, and didn’t look back. Instead of chasing deals, he chose a different seat at the table. The one where the money works, and life gets a lot simpler.In this episode, Cody Hofhine sits down with Rich to talk about the exact shift that allowed him to stop flipping, start lending, and design a life around freedom, travel, and consistency. Rich breaks down how he moved from active investing to private lending, why bein...
2025-12-2530 minGrowing the Money with Rich LennonEpisode 91: Why Your W-2 Job Won’t Be There When You Need It MostThink your job is secure just because you’ve been there a long time? Think again. What’s happening across corporate America right now is a wake-up call for anyone still relying on a paycheck to fund their future. Loyalty doesn’t protect you. Tenure doesn’t protect you. And benefits disappear faster than most people expect.In this episode, Rich Lennon breaks down why the traditional W-2 path is far more fragile than people realize, and what you can do before it’s too late. Using real-world examples, Rich explains why counting on a job for long-term...
2025-12-2209 minGrowing the Money with Rich LennonEpisode 90: How Rich Arbitrages ‘Lazy Money’ to Earn 30–50% Returns (with Jay Conner)What if your money could work harder than you do, and you only had to put in a few hours a week? Sounds unrealistic, right? That’s exactly why most people miss this strategy.In this episode, Rich Lennon joins Jay Conner on Raising Private Money to break down how Rich consistently earns 30–50% returns by arbitraging what he calls ‘lazy money’ no hype. No complicated systems. Just a simple, asset-backed approach that puts real estate and private lending together in a smart way.Rich shares how he went from flipping hundreds of homes to lending millions...
2025-12-1827 minGrowing the Money with Rich LennonEpisode 89: Why I’m Hosting a Mastermind in Mexico (And Why You Should Come)What if one trip could change the way you think, the way you invest, and the people you surround yourself with? Not through long lectures or packed conference rooms, but through real conversations, real relationships, and real breakthroughs.In this episode, Rich Lennon shares why he’s taking entrepreneurs, investors, and go-getters to Mexico for a four-day mastermind that feels nothing like a seminar, and everything like the experience that actually moves your business forward. From late-night strategy talks in swim-up suites to early-morning coffee with industry veterans, Rich breaks down exactly what makes this trip so val...
2025-12-1509 minGrowing the Money with Rich LennonEpisode 88: Why Signing Away Liability is the New Tipping Culture (And How to Protect Yourself)Signing away liability has become the new tipping culture. Professionals often want your signature for their protection, not yours. Attorneys, vendors, and service providers push paperwork that shifts responsibility onto you. What happens when the people you pay refuse to be accountable?In this episode, Rich shares a frustrating real estate closing that shows how common forced liability waivers have become. He explains how attorneys delayed funds, demanded unnecessary documents, and created extra hurdles even after the deed was recorded. Rich breaks down why these signatures matter, how they can strip your rights, and the red flags...
2025-12-1115 minGrowing the Money with Rich LennonEpisode 87: The Housing Affordability Changes Coming in 2026 (And How to Profit From Them)Think housing is already unaffordable? What if the changes coming next actually make things worse for the average buyer, but better for smart investors?In this episode, Rich Lennon breaks down the biggest housing affordability shifts being discussed for 2026, including 50-year mortgages, portable loans, and even no-credit financing. He explains what these changes really mean for everyday buyers, why some of them are dangerous, and how investors can position themselves to win as the market reshapes. If you want to stay ahead instead of getting blindsided, this one’s a must.You’ll Learn How...
2025-12-0815 minGrowing the Money with Rich LennonEpisode 86: Why I Liquidated 100+ Rentals After Building a Real Estate Empire - Part 2What do you do when the very thing you spent years building stops giving you the life you actually want? Most investors assume more doors equals more freedom, but sometimes it equals more stress, more risk, and more time away from the things that matter most.In this episode, Rich continues the raw and honest breakdown of why he walked away from a massive rental portfolio he spent years building. From the hidden stress of managing dozens of doors to the financial traps investors overlook, this conversation digs into the real reasons he chose freedom, simplicity, and...
2025-12-0447 minGrowing the Money with Rich LennonEpisode 85: Why I Liquidated 100+ Rentals After Building a Real Estate Empire - Part 1Real estate success often appears chaotic, involving flipping houses, managing contractors, and juggling staff. What if there was a smarter way to scale without burning out? Rich did it with innovative systems, a remote team, and relentless problem-solving. Could his approach change how you build wealth?In this episode, the hosts talk with Rich about his path from nuclear engineering to real estate investing. He shares his early ventures, building a rental portfolio, flipping homes, and managing a team of virtual assistants from the Philippines. Rich explains how he scaled his business through direct mail marketing, targeting...
2025-12-0143 minGrowing the Money with Rich LennonEpisode 83: Why I Quit Flipping Houses and Started Lending Money Instead - Mike HambrightFlipping houses can be exciting, but it’s also exhausting, time-consuming, and sometimes unpredictable. What if there were a way to keep building wealth in real estate without living in a constant hustle? Private lending offers that opportunity, allowing experienced investors to put their money to work, earn strong returns, and maintain control without managing every renovation or tenant.In this episode, Mike Hambright sits down with Rich Lennon to talk through why he transitioned from flipping houses to lending money, how he structures self-directed IRAs and 401ks for maximum efficiency, and why private money can be a...
2025-11-2429 minGrowing the Money with Rich LennonEpisode 82: Five Red Flags That Saved My Client $200,000 (Before It Went to Zero)Think a high-return deal is always a golden opportunity? Sometimes the numbers are so tempting that you want to jump in fast, especially when everyone around you seems excited. But underneath those promises and pressure, some clues reveal whether an investment is solid or headed for disaster.In this episode, Rich Lennon shares the five warning signs that helped his client avoid losing $200,000 in a deal that went completely to zero in just two months. He walks through how unrealistic returns, fuzzy math, group pressure, lack of security, and inexperience can quietly lead investors into terrible...
2025-11-2010 minGrowing the Money with Rich LennonEpisode 81: The Hidden Math That Makes a 12% Loan Actually Cost 17.5%Think a 12 percent loan really costs 12 percent? Think again. On paper, the numbers might look simple, but the way money moves tells a different story. The timing of payments, upfront points, and how interest is collected can quietly change your true rate of return or cost of borrowing. What happens when the math behind a 12 percent loan adds up to something much higher?In this episode, Rich Lennon breaks down the hidden rate loan structures and how timing, points, and payment collection can dramatically affect yield. He walks through how to understand your true rate of return...
2025-11-1709 minGrowing the Money with Rich LennonEpisode 80: Why 95% of Wealth Is Gone by the Third Generation (And How to Stop It)Ever heard the saying, shirtsleeves to shirtsleeves in three generations? Sadly, it’s true, 95% of all wealth disappears by the third generation. The real reason? Most people spend their lives chasing wealth but never teach their kids how to build it, manage it, or respect it.In this episode, Rich Lennon shares the personal story behind The Lennon Bank, a simple system he created to teach his kids about earning, saving, investing, and responsibility. From peanut butter sandwiches to horse races, Rich breaks down how small, consistent lessons at home can change your family’s financial future for...
2025-11-1312 minGrowing the Money with Rich LennonEpisode 78: Why Private Lenders Who Don't Understand Rehabs Lose Money - Brandon Lindsey.Think you can fund a flip without understanding construction? Think again. Most private lenders lose money not because they picked the wrong borrower, but because they underestimated the rehab. When you don’t understand what goes into a renovation, it’s easy to get blindsided by blown budgets, bad contractors, and projects that drag on for months.In this episode, Rich Lennon sits down with Brandon Lindsey, founder of The Rehab Playbook, to break down what every private lender needs to know about construction. From how to spot red flags in a deal to understanding what $40 per squa...
2025-11-0631 minGrowing the Money with Rich LennonEpisode 77: Why I Quit Flipping After Hundreds of Deals (And Switched to Private Lending).Ever wondered how to grow your wealth without buying and selling another house? In this episode of Growing The Money, host Jack sits down with seasoned real estate investor and private money lender Rich Lennon to talk about how he transitioned from flipping hundreds of homes to earning consistent, high returns through lending. Rich opens up about the biggest lessons he has learned, the lifestyle decisions behind his business pivot, and how you can safely create passive income by being the bank.You’ll Learn How To:Transition from active investing to lending without sac...
2025-11-0326 minGrowing the Money with Rich LennonEpisode 76: The IRA Setup That Lets You Lend at 30-50% Returns (No Custodian Delays)What if you could grow your retirement money completely tax-free, and still move fast enough to jump on real estate deals as they come? Most investors don’t realize that their IRA can actually slow them down, especially when custodians take days to release funds. But there’s a smarter, faster way to take control, without breaking any rules. In this episode, Rich Lennon breaks down the exact setup he uses to lend through his IRA without the frustrating custodian delays. You’ll learn how to structure your account, stay compliant, and unlock the freedom to move at the...
2025-10-3008 minGrowing the Money with Rich LennonTitle: Episode 75: The Title Policy That Just Saved One of My Client's Loans (Critical Lesson)Ever wonder how a small, overlooked lien could derail a real estate deal you thought was smooth sailing? Most investors and lenders assume that title insurance will catch everything, but mistakes happen, and the wrong policy could cost you thousands. In this episode, Rich Lennon breaks down how a lender’s title policy can protect you when homeowners’ policies fall short. He shares a true story where a 15-year-old lien threatened a property sale, but thanks to the lender’s policy, the borrower was saved from unnecessary costs. If you’re a lender or investor, this episode s...
2025-10-2708 minGrowing the Money with Rich LennonEpisode 74: The Secret Fees Closing Companies Are Quietly Charging You (And Getting Away With It)Ever wonder why your payoff amount is higher than you expected, even when you close on time? The truth is, most borrowers and lenders are getting hit with hidden fees they don’t even know exist. Closing companies are quietly padding the bill, and it’s costing investors thousands in unnecessary interest.In this episode, Rich Lennon exposes how closing companies’ internal mistakes and slow processes end up costing you real money, and what you can do to stop it. If you’re a lender, flipper, or real estate investor, this conversation could easily save you $1,500 or more on...
2025-10-2311 minGrowing the Money with Rich LennonEpisode 73: The 5 Things You Need to Make Your First Private Money LoanEver feel like you’re almost ready to make your first private money loan, but something keeps holding you back? You’re not alone. Most investors never take that first step because they don’t have the right systems, people, and mindset in place.In this episode, Rich Lennon breaks down the five essential things every new private lender needs before funding their first deal. These aren’t just theories; they’re the same steps his students use to confidently lend, protect their money, and earn 30%+ returns without sleepless nights. You’ll Learn How To:Un...
2025-10-2008 minGrowing the Money with Rich LennonEpisode 72: Why You Can’t Grow Your Wealth Without Embracing AI (The Truth)What if the biggest opportunity of your lifetime is sitting right in front of you, and you’re too afraid to use it? Whether we like it or not, AI is changing how business, investing, and wealth-building work. Ignore it, and you risk getting left behind.In this episode, Rich Lennon breaks down why embracing AI isn’t optional if you want to stay relevant and grow your money in the years ahead. From a wild story about recruiters secretly using AI to hire candidates to the eerie moment an AI model tried to reproduce itself, Rich reve...
2025-10-1610 minGrowing the Money with Rich LennonEpisode 71: The 2 Strategies That Make Private Lenders Fight to Work With You.Competition among private money lenders is heating up. Borrowers have more options, and if all you’re doing is competing on interest rates, you’ll eventually lose. The truth is, smart lenders don’t just lower rates; they employ strategies that make them more attractive to borrowers while still maintaining high returns.In this episode of Growing the Money, Rich Lennon shares two proven strategies that let you stay competitive in today’s lending market without sacrificing your profits. You’ll learn how to structure fractionalized notes to attract more borrowers, lower their costs, and actually increase your inter...
2025-10-1310 minGrowing the Money with Rich LennonEpisode 70: When Smart Lenders Get Nervous (The Warning Signs You Can’t Ignore)Private lending can be a safe and profitable way to build wealth if you know how to judge the risks. But even experienced lenders sometimes get uneasy when a deal doesn’t feel right. Knowing when that feeling is valid can help protect your money and keep your lending decisions smart.In this episode of Growing The Money, Rich Lennon shares the key questions private lenders should ask before funding a deal, especially when the money isn’t going directly into the property. He explains how to evaluate the borrower, why free-and-clear assets matter, and the number one...
2025-10-0910 minGrowing the Money with Rich LennonEpisode 69: Front Pocket Money vs Back Pocket Money - The IRA Secret Banks Don't Want You to Know. Most people believe saving for retirement means sacrificing their lifestyle today. But what if you could build long-term wealth and boost your cash flow right now? Rich Lennon challenges the common fear that growing your IRA means losing front pocket income and shows why the opposite can actually be true.In this episode of Growing the Money, Rich Lennon breaks down the difference between “front pocket money”, the cash you live on daily, and “back pocket money”, the wealth waiting to grow inside your IRA. He explains how to balance both without feeling like you’re giving something u...
2025-10-0611 minGrowing the Money with Rich LennonEpisode 68: What Charlie Kirk’s Death Taught Me About Human Nature (And Why We Need Each Other)Charlie Kirk’s sudden death shook the country and left many people struggling to process what it meant. For some, it was grief, for others confusion, but for all of us it was a reminder of how fragile life is and how divided we’ve become.In this episode of Growing the Money, Rich Lennon shares why he paused from business talk to reflect on what this moment reveals about echo chambers, human nature, and how we can choose to listen, forgive, and support one another even when we disagree.You’ll Learn How To:
2025-10-0211 minGrowing the Money with Rich LennonEpisode 67: 7 Things Other Private Lenders Do That Make Me SickPrivate lending can be a goldmine for real estate investors, but it’s also full of pitfalls. Some lenders have habits that can quietly drain your profits, create headaches, or even put your deals at risk. In this episode of Growing the Money, Rich Lennon highlights seven common practices from other private lenders that make him cringe and that every borrower should be aware of. If you’ve ever felt unsure about a lender’s motives or wondered whether you’re getting a fair shake, this episode is your roadmap to spotting red flags early and partnering with lend...
2025-09-2910 minGrowing the Money with Rich LennonEpisode 66: How Smart Lenders Use Default to Control Every DealMost private lenders believe that default is something to be avoided at all costs. The truth? Smart lenders actually use default as a built-in safeguard to stay in control of their money, their deals, and their outcomes.In this episode of Growing the Money, Rich Lennon explains why default isn’t a worst-case scenario; it’s a protection tool. He walks through the exact terms, clauses, and penalties he builds into every loan so that if a borrower slips, he has the power to step in quickly and protect his capital. Want Rich’s complete playbook? Yo...
2025-09-2511 minGrowing the Money with Rich LennonEpisode 65: Is Now the WORST Time to Be a Private Money Lender?With the market shifting and money tightening, a lot of people are asking the same question: Is now really the right time to be a private money lender, or the worst?In this episode, Rich Lennon breaks down what today’s market means for private lenders and why uncertainty can actually create some of the best opportunities. He shares the exact principles and safeguards he uses to protect his money, avoid unnecessary risk, and still generate strong returns, even when the headlines say otherwise. You’ll Learn How To:Understand why real estat...
2025-09-2210 minGrowing the Money with Rich LennonEpisode 64: The 2 Types of Private Lending Clients (And Which Ones Make You Money)Not all borrowers are created equal. Some will make you consistent, predictable returns, and others could cost you everything. The difference often comes down to understanding exactly who you’re lending to.In this episode of Growing the Money, Rich Lennon breaks down the two main types of private lending clients you’ll encounter: real estate investors and lazy money clients. He dives deep into the subtypes of investors, from first-time flippers to experienced operators to those scaling aggressively, and reveals which ones can help you grow your wealth safely, and which ones carry red flags you can’...
2025-09-1810 minGrowing the Money with Rich LennonEpisode 63: The 2 Documents Every Private Lender Must Master (Before Your First Loan)If you don’t understand the paperwork, you shouldn’t be lending money. Period. Two key documents stand between you and losing your shirt on a bad deal, and most new lenders barely know what they say.In this episode, Rich Lennon breaks down the note and deed of trust or mortgage, depending on your state in plain English. You’ll learn what they do, what they protect, and what absolutely must be in them before you ever wire a single dollar. Whether you’re lending for the first time or tightening up your process, this episode will hel...
2025-09-1510 minGrowing the Money with Rich LennonEpisode 62: The Executive Order That Threatens Every Private Lender’s Financial FreedomYou can’t build wealth without freedom. And right now, a new executive order is threatening one of our most fundamental rights, the kind that keeps your wealth safe and protected.In this episode, Rich Lennon breaks his usual no politics rule to talk about a controversial executive order and why it should matter to every investor, lender, and entrepreneur. This isn’t about taking sides; it’s about understanding how government overreach can threaten the very freedom you rely on to grow and protect your money. If you’ve ever wondered how politics could actually impact your wea...
2025-09-1111 minGrowing the Money with Rich LennonEpisode 61: The Tax Bill Pivot That’s Making Private Lenders Rich (Here’s What I Changed)What if you could slash your tax bill, keep more of what you earn, and grow your wealth even faster, all without working harder?In this episode, Rich Lennon shares the big pivot he’s made in his own investing strategy over the last few months, and why it’s putting him in a position to win big while others sit on the sidelines. He breaks down how he’s combining private lending with strategic property buys to create cash flow and massive tax advantages. If you’re tired of feeling crushed every April, this episode could change t...
2025-09-0811 minGrowing the Money with Rich LennonEpisode 60: Why I’ll Never Go Back to Traditional Investing – 6 Reasons + 1 Reality CheckEver feel like traditional investing keeps you trapped waiting on the market, watching your account swing, and hoping for a good year? That's how Rich Lennon feels. That’s why he left it behind for good.In this episode, Rich Lennon shares six powerful reasons why private money lending has completely changed his life and one honest reality check he still wrestles with. If you’ve ever wondered what it’s really like to step off the Wall Street rollercoaster and take control of your money, this one’s for you. You’ll Learn How To:...
2025-09-0409 minGrowing the Money with Rich LennonEpisode 59: The Powell vs. Trump Battle That’s Creating a Lending Goldmine (While Others Wait)What happens when politics, the Fed, and real estate collide? Currently, Powell and Trump are at odds over interest rates, and while most investors are sitting on the sidelines, savvy private lenders see a significant opportunity.In this episode, Rich Lennon breaks down the noise around interest rates, the housing market, and why speculation can destroy your wealth. More importantly, he’ll show you how to think like a lender who wins by staying conservative, protecting your money, and capitalizing on opportunities that others overlook. You’ll Learn How To:Spot the diffe...
2025-09-0111 minGrowing the Money with Rich LennonEpisode 58: 8 Reasons Why Private Money Lending is the Best, Fastest, and Safest Way to Make 30% Returns on Your MoneyWhat if you could grow your money safely, quickly, and with more control than the stock market will ever give you? Sounds bold, but private money lending makes it possible.In this episode, Rich Lennon breaks down the top 8 reasons he believes private money lending is the best investment vehicle out there. From real-life security to community impact to the returns you can actually count on, you’ll learn why this strategy beats traditional investing hands down. You’ll Learn How To:Protect your money with smart loan-to-value ratiosAvoid the rollercoaster of stock...
2025-08-2810 minGrowing the Money with Rich LennonEpisode 57: Who Really Borrows Private Money (Client Profile Revealed)What makes a good flipper? And how do we know if we're doing a good job and providing a good service?In this episode of Growing the Money, Rich Lennon breaks down the role of private money lenders and the value they bring to real estate investors. From understanding how flippers make their profits to exploring the borrower strategy of buying, renovating, and refinancing, Rich explains how lending creates a true win-win for everyone involved.You’ll Learn How To:• Aim for a 70% loan-to-after-repair value (ARV) when buying properties.• Breakdown expens...
2025-08-2510 minGrowing the Money with Rich LennonEpisode 56: How Lenders Are Draining Borrowers Dry (And What You Can Do About It)Why do so many lenders squeeze every last dollar from borrowers, even when they’re already making great returns? Hidden fees, surprise penalties, and fine print can turn a fair loan into a financial trap, leaving borrowers drained and frustrated.In this episode, Rich Lennon breaks down the practices he sees in the lending world that cross the line from fair business into taking advantage. You’ll hear real examples of why he chose to do things differently, and what both borrowers and lenders can do to create better, more transparent deals. You’ll Learn H...
2025-08-2109 minGrowing the Money with Rich LennonEpisode 55: What Trump’s 401(k) Executive Order Means for Real Estate Investors and Money LendersWhat if the government just opened the door for your retirement savings to fund private companies, crypto, and real estate? Sounds exciting, but also risky. Trump’s recent 401(k) executive order could reshape where trillions of retirement dollars are invested and not always in ways that benefit you.In this episode, Rich Lennon breaks down exactly what this order means, the opportunities it creates, and the potential traps Wall Street hopes you’ll overlook. By the end, you’ll know how to protect your money, make more brilliant moves, and avoid being swept up in the hype.
2025-08-1809 minGrowing the Money with Rich LennonEpisode 54: Days on Market Are Skyrocketing – Here’s How Private Lenders Can WinHomes are sitting longer. Borrowers are holding out for higher prices. And if you’re a private lender, your risk is quietly climbing. The question is, how do you protect your money and your borrowers when the market turns sluggish?In this episode, Rich Lennon breaks down the real impact of rising “days on market” on your lending business. You’ll hear real numbers, real examples, and the one strategic change Rich is considering to safeguard his portfolio in uncertain times. By the end, you’ll know exactly how to keep your deals moving and your capital protected...
2025-08-1409 minGrowing the Money with Rich LennonEpisode 53: How Lending Pays Me $6,000 an Hour (And Gave Me My Time Back)What’s the point of building wealth if you never get your time back? For years, Rich Lennon chased passive income through rentals and flipping, only to find himself with no time, more stress, and yet another job. That all changed when he discovered private lending. Now? He earns $30,000 per deal, spends just 5 hours on each one, and gets to take random Tuesday mornings off to go fishing with his son.In this episode, Rich Lennon breaks down exactly how lending works, where the time goes, and why this strategy finally gave him what he was really af...
2025-08-1107 minGrowing the Money with Rich LennonEpisode 52: The Hidden Risk of Not Collecting Interest Payments - What Every Lender Should KnowWhat if one small decision in your lending process may jeopardise the entire transaction, and you were completely unaware of it? Although it may seem cost-effective, skipping monthly payments can lead to significant issues down the road, particularly when it comes time to refinance.Rich Lennon discusses in this episode why he decides not to collect monthly payments, how it impacts loan security, and what lenders frequently forget when attempting to keep things straightforward. You'll discover how this one choice can cause unforeseen hold-ups, damaged borrower relations, and conflict with mortgage lenders. This episode will help you...
2025-08-0711 minGrowing the Money with Rich LennonEpisode 51: How I Make 30% Returns Without Swinging a Hammer – The 7 Rules I Live ByWant to earn 30%+ returns without lifting a single tool or managing a flip? Rich Lennon does it. In this episode, he breaks down exactly how. If you’ve been curious about private lending but aren’t sure where to start or how to avoid getting burned, this one’s packed with straight-up, real-world advice you won’t hear from the gurus.In this episode, Rich Lennon shares the 7 key rules that protect his money, keep his deals clean, and help him sleep at night while earning returns most investors only dream about. Whether you’re new to lending or...
2025-08-0409 minGrowing the Money with Rich LennonEpisode 50: The Most Profitable Way to Handle a Big MistakeEver totally dropped the ball and had to face it head-on? Rich Lennon forgot his breakfast meetup. Yup, the one he organized and promoted. But instead of hiding from the embarrassment, he turned it into a masterclass on how to handle mistakes in business and life in a way that builds more trust, not less.In this episode, Rich Lennon shares a real-life failure and walks through the 4 simple but powerful steps that can turn a mess-up into momentum. If you’re an entrepreneur, investor, or just a human being who makes mistakes (so… all of us), this...
2025-07-3108 minGrowing the Money with Rich LennonEpisode 49: ROW - The Wealth Calculation You’ve Never Heard Of (But Need to Know)Think you’re making smart money moves just because your portfolio looks good on paper? What if the real number that matters is one you’ve never even considered?In this episode, Rich Lennon introduces a powerful yet overlooked concept: Return on Wealth. He walks you through how he discovered this calculation during the pandemic, why it changed his entire investment strategy, and how just one shift helped him grow his wealth more effectively and efficiently. Whether you're sitting on equity or stuck in low-performing assets, this episode gives you a new lens to evaluate your money.
2025-07-2809 minGrowing the Money with Rich LennonEpisode 48: The #1 Mistake People Make with Banks (This One Cost Me Big Time)Ever trusted the bank to handle your money, only to find out they completely messed it up? That’s precisely what happened to Rich Lennon.In this episode, Rich shares the #1 mistake people make with banks: assuming they’ll get it right. He walks through a real story where a simple wire transfer turned into a mess because no one followed through and no one cared. From fat-fingered account numbers to days of silence, this is a wake-up call to take full responsibility for your money, no matter who you hire to help. If you’ve ever felt l...
2025-07-2411 minGrowing the Money with Rich LennonEpisode 47: How to Protect Yourself From Lender Mistakes (or Manipulation)What if I told you that some lenders are quietly stacking hidden costs into your loan payoff, and it’s happening more than you think?In this episode, Rich Lennon uncovers what most borrowers miss when signing loan agreements. He shares real stories, clear explanations, and practical ways to protect yourself from shady (or just sloppy) lending practices. Rich also breaks down how cash flows during a deal, why some lenders send you less money than promised, and how a simple misunderstanding could cost you thousands. If you’ve ever borrowed money, are in the middle of a lo...
2025-07-2109 minGrowing the Money with Rich LennonEpisode 46: I Asked for $500K on Facebook - You Won’t Believe What Happened NextEver posted something online and thought, “This is wild, but let’s see what happens?" That’s exactly what Rich Lennon did when he casually asked for $500,000 on Facebook. What followed wasn’t just surprising, it revealed some powerful truths about trust, money, and how this business works behind the scenes.In this episode, Rich Lennon unpacks the story behind the post, the unexpected reactions he got, and the lessons every lender or investor needs to hear. Whether you’ve got money on the streets or you’re just starting, this one’s packed with real talk and sharp take...
2025-07-1710 minGrowing the Money with Rich LennonEpisode 45: Why Lenders Need to Take Control in Tight MarketsWhat do you do when your borrower won’t sell the house, won’t pay you back, and still thinks the market is on their side? Sometimes, being a good lender means being the adult in the room. In a market that's slowing down and stretching timelines, waiting things out could cost you big.In this episode, Rich Lennon shares real stories from his lending portfolio situations where he had to step in, speak up, and protect his capital. If you’re a lender watching projects stall, this episode will show you how to take control.Y...
2025-07-1412 minGrowing the Money with Rich LennonEpisode 44: Protect Your Family’s Future with This One Simple DocumentWhat happens to everything you’ve worked so hard for when you’re gone? It’s not the happiest thing to think about, but if you’ve built even a modest amount of wealth, the truth is: ignoring this could cause your family more pain, stress, and conflict than you realize.In this episode, Rich Lennon shares the *real* reason every investor (or future investor) needs a revocable living trust. It’s not about being rich, it’s about being responsible. He breaks down what a trust is, how it works, and why it’s one of the most power...
2025-07-1010 minGrowing the Money with Rich LennonEpisode 43: The Fastest Way to Build Wealth (And Avoid Getting Taken Advantage Of)Think lending money is the fastest path to building wealth? It can be, but only if you do it the right way. Every week, people lose tens of thousands of dollars simply because they lack the necessary paperwork, structure, or support. And after hearing from two more people who were taken advantage of, Rich Lennon knew it was time to speak up.In this episode, wealth strategist and private lending expert Rich Lennon reveals why lending can be one of the fastest and safest ways to build long-term wealth, provided it is done properly. He breaks down...
2025-07-0709 minGrowing the Money with Rich LennonEpisode 42: The Dangers of Lending with a Partner and How to Protect YourselfWhat happens when your lending partner takes everything and leaves you with nothing? In this episode, Rich Lennon breaks down a real deal gone wrong involving a private lender who brought in a partner for a $20,000 second-position loan and ultimately wiped them out during foreclosure. The borrower never worked on the property, and the first-position lender foreclosed, recouping their full amount while leaving their partner with nothing. Rich emphasizes the moral responsibility of those who structure deals, especially when using other people's money (OPM), and highlights how mistakes in loan structure, foreclosure sequence, and partner communication can p...
2025-07-0311 minGrowing the Money with Rich LennonEpisode 41: How Much Money Do You Really Need to Start Making 30-50% ReturnsIs $10K enough to earn 30–50% returns in private lending? Many new investors hope so, but Rich Lennon reveals why starting with too little could backfire ethically and financially. In this episode, he breaks down the real cost to lend responsibly, the two rules that matter most, and how to structure deals that protect your partners. If you're serious about private lending, this nine-minute masterclass will sharpen your thinking and strategy.You’ll Learn How To:Evaluate first-position vs second-position loansUnderstand the true capital required to protect your partner and returnsAvoid risky structures with imbalanced moral positioningUse frac...
2025-06-3009 minGrowing the Money with Rich LennonEpisode 40: Why Passing Down Rentals Could Ruin Your FamilyIs passing down your rental properties the best way to build generational wealth? Most real estate investors assume their legacy will live on through their properties, but what if that decision does more harm than good?In this episode, wealth strategist and real estate expert Rich Lennon reveals why leaving rental properties to your kids or spouse can actually create chaos, conflict, and lost equity. He breaks down what often goes wrong and shares more innovative legacy strategies that protect your wealth and your family. If you want to pass on value, not problems—this on...
2025-06-2610 minGrowing the Money with Rich LennonEpisode 39: The Secret to Doubling Your Money Every 3 YearsWhat if you could double your retirement savings every three years without working overtime or taking big risks? It’s not a gimmick. It’s a real strategy used by real investors, and it all starts with understanding how to make your IRA work smarter for you.In this episode of Growing the Money, Rich Lenon breaks down how to grow your retirement savings using self-directed IRAs, money lending, and the Rule of 72. He shares why reaching your first $100K is such a key milestone and how it can open the door to long-term, tax-free wealth. Stick arou...
2025-06-2308 minGrowing the Money with Rich LennonEpisode 38: How to Double Your IRA Every Year (Yes, It’s Possible)Is it really possible to double your IRA every year, even if you’re starting small? According to real estate investor and wealth strategist Rich Lenon, it is. And no, it’s not through gambling or risky investing. It’s through smart strategy, the right structure, and a little-known retirement account called a self-directed IRA (SDIRA).In this episode of Growing the Money, Rich walks you through the foundational tools you need to grow your IRA with confidence, especially when investing in real estate. From land trusts to joint venture agreements, he breaks down what you need, why it...
2025-06-1911 minGrowing the Money with Rich LennonEpisode 37: Why ROI Is Killing Your Wealth (Focus on This Instead)Ever feel like you’re chasing great returns, making smart moves, but your wealth just isn’t growing fast enough? You’re not alone, and the problem might be your focus on ROI.In this episode, Rich Lennon reveals why Return on Investment (ROI) is actually the least important of the “big three” financial measures nd what you should be focusing on instead. He makes a strong case for shifting your attention to yield (your accurate annual return) and, more importantly, return on wealth, a metric that drives long-term financial growth.Through real-life examples and personal i...
2025-06-1610 minGrowing the Money with Rich LennonEpisode 36: Dave Ramsey vs Robert Kiyosaki - Which Path Will Make You RichWhich money path leads to wealth, playing it safe like Dave Ramsey, or using leverage like Robert Kiyosaki? In this eye-opening episode, Rich Lennon breaks down the key differences between these two financial powerhouses. More than just a comparison, this episode helps you discover where you are in your wealth-building journey and what strategy fits best right now.Rich shares his reflections, explains the confusion many feel when choosing a financial strategy, and introduces his wealth-building cycle. This practical framework shows when to focus on stability versus when to leverage debt to grow. You’ll walk away wi...
2025-06-1209 minGrowing the Money with Rich LennonEpisode 35: The Mindset Shift You Need to Succeed with Fractionalized LendingWhat’s really stopping you from thriving in fractionalized lending? In this transformative episode, Rich Lennon unpacks how fear, not lack of knowledge, is the true barrier to building wealth. Plus, special guest David Richter, author of Profit First for Real Estate Investors, joins to share tactical advice on turning income into real profit. If you're struggling with confidence, cash flow, or clarity, this episode offers both mindset and money breakthroughs.You’ll Learn How To:Recognize fear as the #1 barrier to entrepreneurial successReframe failure as a stepping stone, not a setbackIdentify “lazy money” and put...
2025-06-0910 minGrowing the Money with Rich LennonEpisode 34: The Real Reason Debt Is Running Your Life (and How to Stop It)Are you living like a successful entrepreneur—or just looking like one? In this episode of Coaching Inc., Rich Lennon delivers one of the most dangerous habits entrepreneurs fall into: pretending they’re rich while sinking in debt. From luxury trucks to missed tax bills, Rich unpacks how appearances can deceive—and how debt can quietly strangle your business. It’s a candid, unfiltered look at the toxic financial patterns many business owners justify, and a wake-up call to flip the script. If you’ve ever felt the pressure to keep up, this episode is a dose of clarity.Yo...
2025-06-0508 minGrowing the Money with Rich LennonEpisode 32: Depreciation Recapture Explained (And How to Minimize It)Are you prepared for the tax impact when selling your rental property? Depreciation recapture can significantly affect your returns, but what exactly is it, and how can you minimize or manage it? In this episode, Rich Lennon breaks down depreciation recapture, tax implications, and strategic options like 1031 exchanges and opportunity zones. You’ll Learn How To:Understand what depreciation recapture means and why it mattersExplore strategies to defer or minimize depreciation recapture taxesEvaluate the pros and cons of 1031 exchanges and opportunity zonesDiscover why sometimes paying the tax can be the most brilliant moveW...
2025-05-2911 minGrowing the Money with Rich LennonEpisode 31: Ready to Lend But Don't Know Where to Find Borrowers - Here’s Where to Find Borrowers Fast!Are you sitting on capital but struggling to find borrowers? In this episode of Growing The Money, Rich Lennon reveals why simply having capital puts you in a powerful position and how to leverage that to attract the right borrowers. From navigating local real estate meetups to identifying ideal clients like wholesalers, this episode is packed with practical insights to help you confidently step into the role of a lender.You’ll Learn How To :Identify real estate meetups that attract serious borrowersApproach and interact confidently at local RIAsUse a one-liner that gets bo...
2025-05-2609 minGrowing the Money with Rich LennonEpisode 30: How to Turn a Dead Deal into a Win-Win ScenarioStruggling to salvage a deal that looks like a dead end? Rich Lennon explores how private money lenders can creatively manage complex loan requests to develop solutions that work for all parties involved. Using a real example of a $500,000 apartment building refinance, Rich breaks down the importance of “skin in the game,” the role of seller financing, and strategic loan positioning.You’ll learn how to:Evaluate and restructure tricky loan requests for better outcomesUtilize seller financing and second-position notes effectivelyProtect your investment by securing first-position loans and requiring borrower commitmentWho...
2025-05-2208 minGrowing the Money with Rich LennonEpisode 29: The Truth About Rentals - They’re Not the Wealth Builders You Think They AreAre rentals really the wealth-building tools people claim they are? In this episode, Rich breaks down why relying solely on rentals might limit your financial growth. He explores equity, returns, and more innovative investing alternatives, helping real estate investors rethink how to scale wealth with intention and efficiency.You’ll Learn How To:Measure true return on wealth versus cash flow.Identify when rentals stop being efficient investments.Understand how equity isn't always liquid or useful.Discover higher-leverage paths like private lending.What You’ll Learn in This Episode(00:12) – (01:25) Rental...
2025-05-1910 minGrowing the Money with Rich LennonEpisode 28: Fractionalized Notes Made Simple: How the Math Actually WorksCan a $50K investment earn you a 50% return with minimal risk? In this episode, Rich Lennon breaks down the math behind fractionalized notes, a powerful lending strategy savvy real estate investors use to maximize returns while protecting capital. This episode is a must-listen for anyone intrigued by passive income, private lending, and wealth building through real estate notes.You’ll Learn How To (Top 4):Set up a fractionalized note that returns 20%, 30%, or even 50%Use other people’s capital to earn more with lessUnderstand the role of lazy money and its returnsProtect both your investment and your part...
2025-05-1511 minGrowing the Money with Rich LennonEpisode 27: Are Your Loans Safe - The $100K Mistake You Can’t Afford to MakeWhat would you do if your investment was tied up due to a simple title mistake? This episode explores the critical importance of securing a lender's title policy when lending money. Rich Lennon shares a story about a $100K mistake that could have been easily avoided.. If you're lending money for real estate or working with private money lenders, this episode is a must-listen to avoid devastating financial consequences.You’ll learn how to:Protect yourself with the right lender’s title policy.Avoid losing large sums of money due to title mistakes.Understand the...
2025-05-1212 minGrowing the Money with Rich LennonEpisode 26: How to Maximize IRA Profits (And Avoid Costly Mistakes)Do you know the difference between IRA contribution limits and your potential earning limits? In this episode of Growing The Money, host Rich Lennon demystifies how to use self-directed IRAs for real estate and private lending profits while staying compliant with IRS rules. He explains why points are more powerful than interest, what most people misunderstand about IRA rules, and how Peter Thiel turned a Roth IRA into billions. If you're confused about contribution caps, earnings, or fee structures, this is your guide to smarter, tax-advantaged investing.You’ll Learn How To:Leg...
2025-05-0810 minGrowing the Money with Rich LennonEpisode 24: What Experienced Lenders Know About Title Policies That You Don’tAre you sure your lender’s title policy covers everything it should? In this episode, Rich Lennon shares valuable insights into what experienced lenders know about title policies that many people overlook. Title insurance is a crucial aspect of real estate transactions, but understanding its limits and how title companies operate can save you from costly mistakes. This episode will provide you with the tools to make informed decisions and ensure your investments are well-protected.You’ll Learn How To:Understand the importance of title insurance in real estate transactions.Avoid common issues that aris...
2025-05-0111 minGrowing the Money with Rich LennonEpisode 23: Why Working Harder Is Keeping You Broke (Do This Instead)Are you trapped in the hustle, thinking that working harder will lead to wealth? In this episode, Rich Lennon challenges the widely held notion that working harder is the key to financial freedom. Instead, he reveals why working smarter is the true key to building lasting wealth. With insights into return rates, he explains how to leverage more innovative financial strategies to grow your wealth while maintaining time freedom. If you’re tired of burnout and struggling to break through your financial ceiling, this episode will show you a more efficient, profitable way to build wealth.Yo...
2025-04-2820 minGrowing the Money with Rich LennonEpisode 22: Banks Suck! Why They’re Failing You and How You Can Beat Them at Their Own GameWhy do banks seem to always be one step ahead while consumers get left behind? In this episode, Rich discusses the broken banking system, exploring how it impacts your finances and what you can do about it. He shares real-life stories of how banks prioritize their interests over those of their clients and discusses an alternative approach to lending that empowers individuals.You’ll learn how to:Understand fractionalized banking and how it benefits banksUse fractional lending to your advantageNavigate bank limitations and find better alternativesProtect yourself from poor banking practicesBuild a reliable, community-driven le...
2025-04-2417 minGrowing the Money with Rich LennonEpisode 21: The Hidden Risks of Self-Directed IRAs No One Talks AboutThinking about using your Self-Directed IRA to lend money? In this episode, Rich Lennon opens up about the lesser-known risks that could put your retirement funds at risk—and how to protect yourself, from forming an LLC to finding your financial “ride or die.” Rich shares real stories and practical insights to help you navigate this misunderstood investment vehicle.Whether you're a seasoned investor or just curious about SDIRAs, this solo episode will help you make smarter, safer moves!You’ll Learn How To:Evaluate the true risks of lending with your Sel...
2025-04-2110 minGrowing the Money with Rich LennonEpisode 20: The Secrets to Smarter Loans and Better PartnershipsIn this episode of Growing the Money, Rich Lennon answers a critical question many private lenders have: “When should I be concerned about taking my money back?” He shares personal insights and real-world examples like lending on expensive river homes to explain why time isn’t the main factor; the security of the asset and communication with the borrower are what matter. Rich also dives into the tricky situation of dealing with impatient or “lazy” money partners who want out before a deal concludes, offering strategies for handling these challenges gracefully. You'll Learn how to: Time doesn...
2025-04-1709 minGrowing the Money with Rich LennonEpisode 19: How to Work with Title Companies as a Money LenderTired of dealing with delays and confusion from title companies? In this episode, Rich Lennon shares key strategies to ensure smooth interactions. He provides expert tips on handling paperwork, insurance, and communication with title companies. These insights will save you time, avoid costly setbacks, and ensure your deals close efficiently. If you're a money lender, this episode is essential for improving your process and protecting your investments.You’ll learn how to:Streamline communication with title companies for quicker closings.Manage insurance and title company paperwork more efficiently.Avoid delays by understanding the ti...
2025-04-1410 minGrowing the Money with Rich LennonEpisode 18: How Lenders Can Protect Themselves in a Distressed MarketIs your money truly protected in today’s distressed real estate market? In this episode, Rich Lennon delivers a timely solo episode unpacking real-time signs of market distress and how lenders can adapt. From tightening underwriting to issuing smaller construction draws, Rich shares boots-on-the-ground experiences and cash-flow strategies to help lenders mitigate risk and protect their capital. You’ll Learn How ToIdentify early warning signs of market distress.Adjust draw schedules to protect construction capital.Spot risky loan-to-value ratios before it’s too late.Navigate borrower cash flow challenges with smarter disbursements.Avoid lending...
2025-04-1010 minGrowing the Money with Rich LennonEpisode 17: The 4-Step Blueprint to Make 30% on Your MoneyWhat if you could double your money every 3 years? In this episode, Rich Lennon shares the blueprint to make 30% returns on your investments, providing you with the financial freedom and growth you’ve always desired. If you're tired of the traditional investment methods, Rich reveals a powerful alternative in private money lending that could transform your wealth strategy. You’ll Learn How To:Use private lending to earn 30% returns on your moneyApply the 4-step blueprint to increase your financial independenceUnderstand the importance of scalability in wealth-building strategiesAssess risk factors and leverage properties for safe, high...
2025-04-0720 minGrowing the Money with Rich LennonEpisode 15: The Wealth Acceleration Formula - What Millionaires Know About Money That You Don’t What do millionaires know about money that the average person doesn’t? In this episode, Rich Lennon reveals the wealth acceleration formula that drives financial success for the wealthy. By focusing on leverage, control, and efficiency, Rich explains how the rich think about and manage their money differently. This episode explores unconventional wealth-building strategies, including fractionalized lending, which can help you break free from the traditional systems that often leave people financially stuck.You’ll learn how to:Leverage other people's money to grow your wealthTake control of your financial futureIncrease returns by using more...
2025-03-3116 minGrowing the Money with Rich LennonEpisode 12: The Self-Directed IRA Mistake That Could Cost You Half Your RetirementImagine making a single mistake with your self-directed IRA that could cost you 50% or more of your retirement savings. The risk is real, and understanding the rules surrounding prohibited transactions is crucial to protecting your wealth. In today's episode, Rich Slenon explores the important issue of prohibited transactions in self-directed IRAs, sharing valuable insights on how to avoid these costly errors. Learn the rules, understand key risks, and ensure your IRA investments stay compliant with the IRS.You’ll learn how to:Avoid self-dealing and conflicts of interest.Identify disqualified individuals and prohibited transactions.Un...
2025-03-2022 minGrowing the Money with Rich LennonEpisode 11: How to Use a Self-Directed IRA to Achieve 30%-50% ReturnsAre you frustrated watching others grow their retirement money by 30% to 50% tax-free while your savings barely keep up with inflation? In this episode of Growing The Money, Rich Lennon breaks down the powerful strategy of using Self-Directed IRAs to take full control of your retirement funds and grow them legally and efficiently. Rich shares why Self-Directed IRAs are critical for serious wealth building, how to avoid costly mistakes with disqualified individuals, and the importance of following IRS rules. You’ll Learn How to:Use Self-Directed IRAs to earn 30% to 50% tax-free returns.Avoid prohibited transactions and...
2025-03-1721 minGrowing the Money with Rich LennonEpisode 10: What Is a Deed of Trust (And Why Not Knowing Could Cost You a Fortune)What happens if you lend money on real estate without getting paid back? In this episode of Growing The Money, Rich Lennon explains why understanding a Deed of Trust is critical to protecting your investment. He breaks down how a deed of trust works, who the key parties are, and what legal language must be included to secure your money properly. Rich also highlights the difference between a mortgage and a deed of trust, and why failing to know these details could cost lenders thousands of dollars.What You’ll Learn in This Episode:...
2025-03-1316 minGrowing the Money with Rich LennonEpisode 009: What Is a Note and Why It’s the Most Important Thing in LendingWhat makes a real estate loan secure? It’s not just the property—it’s the paperwork behind it, especially the note, which holds the true power in any lending deal. In this episode, Rich Lennon dives deep into how to structure a note, what to include, and why small mistakes in documentation can lead to huge financial losses. Rich breaks down everything from loan terms to default conditions, personal guarantees, and the hidden risks if your paperwork isn’t airtight. You’ll Learn How To:Write notes that protect you in every lending sit...
2025-03-1019 minGrowing the Money with Rich LennonEpisode 008: How Private Money Lending Made Me Wealthier Than Real Estate Ever Could With Mary HartWhat happens when an attorney, a single mom, and a real estate investor walk into the world of private lending by accident? She builds a multi-million-dollar lending business! In this episode of Growing the Money, Host Rich Lennon sits down with Mary Hart, a retired attorney turned powerhouse private lender. Mary shares how she went from making her first loan (which quickly went into default) to successfully managing over $7.5 million in loans today—all while ensuring she’s never lost a dime. You’ll Learn How To: Thoroughly check the experience, financials, and track...
2025-03-0644 minGrowing the Money with Rich LennonEpisode 007: How a Simple Bike Purchase Reveals the Easiest Way to Grow WealthHave you ever thought about how a simple everyday transaction could teach you the easiest way to build wealth? In this episode, Rich Lennon shares an incredible real-life example involving his son’s bike purchase that perfectly illustrates the power of fractionalized notes and strategic investing. Get ready for a step-by-step breakdown of how small, smart financial moves can lead to impressive returns and a wealth-building mindset.You’ll Learn How To:Apply the concept of fractionalized notes to real-world investingStructure deals to minimize risk and maximize returnsIdentify win-win opportunities that create value for ever...
2025-03-0314 minGrowing the Money with Rich LennonEpisode 006: Who Are Your Customers - The Clients Who Make You Money in Your SleepAre you tired of slow returns, high risks, and feeling like you have no control over your money? Imagine earning consistent, impressive returns, retiring sooner, and building a lasting legacy—all with a proven, simple system. In this episode, Rich Lennon shares how to identify the ideal clients who will grow your wealth while you sleep. If you’re serious about making money work for you, this is the episode you can’t afford to miss!You’ll Learn How To:Identify the ideal clients who will grow your money effortlesslyUnderstand the key characteristics of real...
2025-02-2725 minGrowing the Money with Rich LennonEpisode 001: Taxes 101: What They Don’t Teach You (And How to Win the Game)Did you know that most Americans work over half the year just to pay their tax bill? In this eye-opening episode of Growing The Money, host Rich Lennon exposes the hidden tax burdens that keep people from building wealth and reveals strategies the wealthy use to win the financial game.You'll Learn How To:Understand why financial education is missing from schoolsSee how taxes dramatically impact wealth-building potentialIdentify different types of taxes that eat away at your incomeLeverage strategies the wealthy use to minimize tax liabilityUse the Rule of 72 to accelerate financial growthRecognize why...
2025-02-1710 minGrowing the Money with Rich LennonEpisode 002: How I Earn 30-50% Returns with the Lazy Money MethodTired of slow returns and high-risk investments? Imagine earning 30-50% returns without the stress of market fluctuations. In this episode, host Rich Lennon shares the Lazy Money Method, a strategy that leverages real estate lending to create impressive passive income. Learn how to grow your wealth without working harder—just smarter.You'll Learn How To:Use the Lazy Money Method to earn consistent, high returnsLeverage other people’s money to maximize investmentsTransition from active real estate investing to passive lendingIdentify the best opportunities for private lendingStructure loans to protect capital and optimize profitsAvoid common fina...
2025-02-1718 minGrowing the Money with Rich LennonEpisode 004: 5 Foolproof Ways to Ensure You Never Lose Money as a Real Estate LenderAre you tired of losing money in risky investments and feeling like you lack control over your financial future? Imagine earning consistent, impressive returns, retiring sooner, and building a legacy, all with a proven, simple system. In this episode, Rich Lennon shares five foolproof strategies that guarantee you never lose money as a real estate lender.You'll Learn How To:Secure your investment in the first position and protect your capital.Use effective underwriting to avoid bad deals.Implement a reversed draw strategy for construction loans.Ensure borrowers have “skin in the game” to miti...
2025-02-1712 minGrowing the Money with Rich LennonBreaking Free: The Smarter Way to Grow Your Money with Rich LennonMost people spend their entire lives working hard, only to find themselves trapped in the same financial cycle—saving small, earning little interest, and paying excessive fees. But what if there was a smarter way?In this episode of Growing The Money Podcast, Rich Lennon breaks down arbitrage lending, a wealth-building strategy the ultra-rich use to earn 30% returns or more—without working harder. He explains why traditional investing models are flawed, how to break free from the 4% Wall Street rule, and how you can become your own bank to build wealth effortlessly. Get ready to shift your mind...
2025-02-1702 min